Privacy Notice

Last modified: May 28, 2025

Welcome to LifeCellCream.com ("Website")! This Website is owned and operated by South Beach Skin Care, Inc. We appreciate the value and trust you have placed with us. This notice is designed to provide you with transparency as to how we collect, use, and share your personal information. This Privacy Notice ("Notice") describes how South Beach Skin Care, Inc. ("South Beach," "we," "us," or "our") collects, uses, discloses, and otherwise processes personal information in connection with our websites, mobile applications, and other online services which link to or display this Privacy Notice; our in-person interactions with you (e.g., at an in-person event, etc.); and our other interactions with you (collectively, "Services"). This Notice incorporates our posted Terms of Service, please review those Terms in addition to this notice.

PERSONAL INFORMATION WE MAY COLLECT.

When we use the term "personal information" in this Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you or your household. It does not include aggregated or de-identified information that is not reasonably capable of being associated with or linked to you.

Depending on how you interact with us, we may collect a variety of information, including:

• Contact Information, including your name, mailing address/shipping, zip code, telephone number(s), and email address.
• Payment Information, including your credit/debit card information and billing address.
• Shopping History, including information about the items you viewed, added to your cart, purchased, or returned.
• Social Media Information, including information that you post on our social media pages, your social media profile information, and information posted on your social media page(s). You may be giving the social media platform and other third-parties permission to send us certain information from your social media profile, which may include Personal Information described herein. What information they send us depends on your privacy settings with those third-parties and their respective privacy policies. Once the accounts are associated, they may send us additional information from your profile over time. We will use the information they share with us in accordance with this Privacy Policy.
• Information You Submit, including photos, videos, and other user-generated content that you choose to provide when you contact us through email or by phone, any chatbot, or on your social media platform. It may also include information that we collect when you enter a promotion or other information that you choose to provide during your interaction(s) with us.
• Customer Service Contact, this includes when you contact us for any reason including scheduled delivery or product changes, cancellation, and the like. Your calls to us are recorded for compliance and quality assurance purposes.
• Demographic Information, including age, gender, and zip code as well as information relating to your lifestyle, routine, interests, and shopping behavior.
• Device and Browser Information, including your device type, browser type, operating system name and version, device identifier(s), and IP address.
• Location Information, including your approximate location derived from your device’s IP address and your precise address when you register the same for payment or product delivery.
• Log and Usage Information, including the date and time you access our Website, the site or advertisement you came from, and/or the site you visit when you leave our Website, the frequency with which you access and use our Website, the pages that you navigate to, the links that you click, and other information about your interactions with the Website.
• Commercial information, which includes records of your purchases of products or services from us or third-parties; as well as profile information relating to your interests, feedback information, communication preferences, customer service and communication history, or information related to your interests, history, or tendency toward products and services, articles, and the like.
• No Collection From Individuals Under the Age of Sixteen (16). We do not knowingly collect, use, or disclose Personal Information from children under the age of sixteen (16). By using our Website, you represent that you are at least 16 years of age.

HOW WE MAY COLLECT PERSONAL INFORMATION.

We collect your personal information in the following ways:

• Directly from You. When you visit and use our Website, webpages, advertisements, or otherwise interact with us including through our advertisements, we collect Personal Information that you share with us in the following ways:
  • Information provided in response to prompts for registration for a product order or account on the Website.
  • Information provided in response to products or services purchased through our Website or webpages.
  • Information provided when you sign up to receive marketing and promotional communications from us.
  • Information provided when you register for our continuing service plans, which allow you to receive future products on an automated basis.
  • Information you provide when participating in our promotional contests, surveys, or other promotional advertisements.
  • Information you provide us when you contact our Customer Service or generally provide feedback to us or through your social media account.
  • Information provided when you interact with our social media pages.
• Through Automated Means. When you visit or interact with our Website, we may use a variety of technologies such as cookies, clear GIFs, pixel tags, log files, JavaScript, web beacons, and other technologies we license or we receive from third-party services to collect both Personal and Non-Personal Information automatically or passively about you, your viewing device, and your interactions with our and other party's websites. We may also automatically collect the following information about you:
  • Computer or Device Information. We automatically collect your Internet Protocol ("IP") address or other unique identifier or information from the computer, mobile device, or tablet you use to access the Website, including but not limited to, your browser type, device type, system type, and the domain name from which you accessed the Website.
  • Usage Information. We may collect information about your use of our Website, including the date and time you visit the Website, the content, areas or pages of our Website that you visit, the Website from which you navigated to the Website, the page you visit after leaving our Website, the amount of time you spend viewing or using the Website, the number of times you return to our Website, as well as other click-stream or usage data, and whether you open, forward, or click-through an email or display ad to the Website. For legal compliance purposes, we may also capture or record your interactions with the Website to confirm that your information was submitted to us.
• Third-Party Service Providers. We may use third-party service providers to support our Website. Some of these service providers may use technology such as cookies, web beacons, pixel tags, log files, Flash cookies, or HTML5 cookies to receive, collect, and store information on your computer for later access and usage.
• Use of Third-Party Analytics and Technologies. We use third-parties' analytics and tracking tools, such as Google Analytics or Google Tag Manager for display marketing, to better understand our audience, how they are using the Website, and how to improve the effectiveness of our Website, and its content as well as our marketing. We may use this technology and third-parties to target advertising to you through the internet. These technologies may use cookies, web beacons, pixel tags, log files, Flash cookies, or other technologies to collect and store information about you. They may also combine information they collect from your interaction with the Website with information they collect from other sources. We do not have access to or control over these third-parties' use of cookies or other tracking technologies. These technologies will track your website page view, button clicks, external links/outbound clicks, conversions, how you scroll and behave on a page, as well as your geolocation, device type, and at times your screen width.
• Information from Third-Party Websites or Services. If you link to us through a third-party website, email, or service, such as a social media account, we may automatically receive certain information about you based on your registration and privacy settings on those third-party websites or services. This may include, but may not be limited to, your name, username, demographic information, updated address or contact information, location, interests, and online activity.
• When you access or engage with the Platform, we automatically collect information about your browser, device, and activity, including when you:
  • Visit and/or navigate on our Website or any of our webpages.
  • Click on links, social media advertisements, or third-party advertisements to direct you to us.
• From Third-Parties. We may receive your personal information from other sources. Our third-party sources may include:
  • Our business associates, including companies that co-sponsor our promotions.
  • Our analytics and advertising vendors and business associates, including online advertising networks and analytics providers.
  • Social media platforms, including Facebook, Twitter, YouTube, Pinterest, Snapchat, and Instagram. The information we receive from any social media platform is dependent upon its policies and your settings on that platform.
  • Third-party sites, including those that allow you to integrate your third-party account with your account with us.
  • Other individuals (e.g., your family, friends, or other personal contacts) who provide your personal information to us because they think you may be interested in our products and services, or they want to share a product or service with you.
  • Other companies that provide personal information to supplement what we already know about you, including data aggregators. Certain third-parties might link your name or email address to other information they have collected, such as your past online/offline purchases and your online usage information.
  • Please note that we may combine personal information that we receive from various sources. For example, we may combine:
    • Personal information that we collect from you offline with personal information we collect from you through the Platform.
    • Personal information that we collect from the different devices you use to access the Platform.
    • Personal information that we collect from the different devices you use to access the Platform.

COOKIE NOTICE.

We, our Service Providers, and vendors may also use cookies and other similar tracking technologies (e.g., pixel tags (or web beacons) and software development kits (“SDKs”)) to collect information automatically when you visit or use our Website. The information collected may include details about your behavior on our Website, including how you move and scroll through the Platform, your keystrokes, the links you choose to click, and how you interact with forms. These technologies may also be used to collect information about you over time and across different websites, mobile apps, and devices. You can modify or disable cookies, but our Website may not function properly for you. You may read more about cookies at http://cookiecentral.com/faq/

COOKIE POLICY.

When you visit our Website, we, and third-parties may store cookies on your browser to collect information. The information collected might relate to you, your preferences, or your device, and is mostly used to make the site work as you expect it to and to provide a more personalized web experience. However, you can choose not to allow certain types of cookies, which may impact your experience of the site and the services we are able to offer. Click on the different category headings to find out more and change our default settings according to your preference. You cannot opt-out of our First Party Strictly Necessary Cookies as they are deployed in order to ensure the proper functioning of our Website (such as prompting the cookie banner and remembering your settings, to log into your account, to redirect you when you log out, etc.).

Cookie Definition. A cookie is a small piece of data (text file) that a website requests your browser to store on your device in order to remember information about you, such as your language preference or login information. Those cookies may be set by us and called first-party cookies. We also use third-party cookies which are cookies from a domain different than the domain of the Website you are visiting and those are used for our advertising and marketing efforts. We do not set those cookies. More specifically, we use the following types of cookies for the following purposes:

• Strictly Necessary Cookies. These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you, which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.
• Functional Cookies. These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, then some or all of these services may not function properly. These cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.
• Performance Cookies. These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our website. They help us to know which pages are the most and least popular and see how visitors move around the website. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited and will not be able to monitor our performance.
• Social Media Cookies. These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies, you may not be able to use or see these sharing tools.
• Google Analytic Cookies. We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see, https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google’s Analytics Advertising. This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see, https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-on here, https://tools.google.com/dlpage/gaoptout/.
• Meta Cookies. We use Meta cookies, if you have a Facebook or Instagram account, on our Website, or if you visit other websites and apps that use the Meta Products (including the Like button). These Meta Cookies enable Meta to offer the Meta Products to you and to understand the information that we receive about you, including information about your use of our and other websites and apps, whether or not you are registered or logged in. You may review Meta’s cookie policy and how you may limit collection and use of your information through its cookie policy at, https://www.facebook.com/privacy/policies/cookies/.

TRACKING TECHNOLOGIES, INTEREST-BASED ADVERTISING, AND ANALYTICS.

Tracking and Analytic Technologies. We, our vendors, and Service Providers may also use cookies (i.e., small text files sent from a website and stored on your device), pixel tags (or web beacons), and other similar tracking technologies to collect information. These tracking technologies may collect information about your browser, device, and browsing activity, such as your IP address, browser type, device type, unique IDs assigned to your device, the date and time of your visit to our Website, the site from which you came and the site that you visit after leaving our Website. This includes information about the manner in which you engaged with the Website and our posted content. It may also include how long you spent on a page or content and how frequently you visited our Website. It may also include information related to our marketing vendors, such as when you opened and clicked on an email, clicked on our ad from a vendor's website, and the like.

Business Purpose of use of such Technology includes:

• To enable certain functionality.
• To provide you with personalized content and information, including targeted content and advertising.
• To recognize you across multiple devices or monitor aggregate usage metrics relating to our Website. For example, our analytic providers will tell us total number of visitors, the dates/times visitors accessed the Website, the pages visitors viewed, and demographic patterns of our visitors.
• To otherwise enhance the performance of our Website and your user experience.
• Your browser gives you the ability to reject or control cookies or other tracking technologies. It is important to remember that the options you select are browser and device specific, you must exercise your choices on each browser and device you use. For more information about cookies, including how they work and how to manage them, please visit, www.allaboutcookies.org.

Interest-Based Advertising. We engage in interest-based advertising to create and deliver online, relevant advertising to you. We also permit third-party online advertising networks, social media companies, and other third-party services to collect information about your use of the Platform over time so that they may display advertisements tailored to you across the devices you may use.

The information used for interest-based advertising is collected through cookies or other similar tracking technologies. Our third-party vendors may use personal information to deliver certain advertising-related services, such as reporting, attribution, analytics, and market research.

You may exercise certain choices with respect to interest-based advertising, as described below.

• Web browser opt-out. You may be able to opt-out of receiving interest-based advertisements using the browser opt-out tools and consumer choice mechanisms provided by interest-based advertising self-regulatory groups by following the links below:
  • Network Advertising Alliance ("NAI"): www.networkadvertising.org/choices
  • Digital Advertising Alliance ("DAA"): https://optout.aboutads.info/?c=2&lang=EN
  • Mobile application opt-out: You have the ability to control whether you see interest-based advertisements on your mobile device in the following ways:
    • Your operating system may provide mechanisms that allow you to opt-in or opt-out of the use of data about your usage of mobile apps to deliver interest-based advertising to your mobile device. Please review your device settings.
    • The DAA offers a tool for opting out of the collection of cross-app data on a mobile device for interest-based advertising. To exercise your choices with respect to participating companies, please download the AppChoices tool at, www.aboutads.info/appchoices.
    • Certain social media platforms allow you to control your advertising preferences directly through their services. Please review the privacy notices of the third-party services you use for more information.
• Please note that you will need to opt-out separately on all of your browsers and devices, as each opt-out will apply only to the specific browser or device from which you opt-out. If you delete or reset your cookies or mobile identifiers, change browsers, or use a different device, any opt-out cookie or tool may no longer work, and you will have to opt-out again. Even if you choose to opt-out of receiving interest-based advertising, you may still receive advertising, but the advertisements may be less relevant.

HOW WE USE PERSONAL INFORMATION.

We may use your personal information in the following ways:

To Provide and Manage our Product Sales and Services. We use your personal information to provide, administer, and manage our product sales and services and as otherwise necessary to operate our business.

To Process and Fulfill Your Order(s). Where applicable, we use your personal information to process and fulfill your orders and requests for our products or services. We may also use your personal information to process your returns or inform you of any product recall.

To Identify Usage Trends and Make Improvements. We use your personal information to understand how you use our Website and identify usage trends. We also use your personal information to identify issues, test new features or changes in our features, and improve our Website, the services, and products.

To Understand Your Interests and Personalize Your Experience. We use your personal information to help us understand which parts of our Website, which of our products and services are of interest to you. We also use your personal information to customize or personalize your experience with us.

To Communicate with You. We use your personal information to communicate with you about your account or our relationship; respond to your submissions, requests, and inquiries; and to request information or feedback from you. We may also use your personal information to invite you to participate, and communicate with you about your participation in sweepstakes, contests, surveys, or focus groups administered by us or on our behalf. Additionally, from time to time, we may use your personal information to send you important updates and communications.

To Determine Your Eligibility. We may use your personal information to verify your identity or determine your eligibility for some of our products, services, and promotions. For example, this may include verifying information, which was registered on or through our website, including your state of residence.

To Send You Marketing and Promotional Communications. We use your personal information to send you communications (which may include email, text message, or push notification) and other materials with information about new products and features and special offers.

To Conduct Research and Analytics. We use your personal information to help us conduct research and analytics and to otherwise measure the effectiveness of our marketing and advertising efforts.

To Engage in Interest-Based Advertising. We and our third-party service providers and vendors use personal information gathered across multiple websites, devices, or other platforms to serve you relevant advertising.

Security and Fraud Prevention. We use your personal information to help monitor and maintain the security and integrity of our Website as well as our systems and networks. Additionally, we use your personal information to detect, prevent, investigate, and protect you, our business, and others from fraud, unauthorized transactions, and other unlawful or unsafe activity.

To Satisfy Our Legal Obligations. We use your personal information to comply with applicable law and respond to lawful requests and communications from law enforcement authorities and other government officials.

To Conduct Sales and Business Transactions. We may use your personal information in connection with the evaluation, negotiation, and/or completion of a business transaction (e.g., a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets), whether as a going concern or as part of any bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred or is otherwise relevant to the evaluation, negotiation, or completion of the transaction.

As Otherwise Permitted, Necessary, or Appropriate. We use your personal information as otherwise described in this Policy or as explained to you at the point of information collection. We will also use your personal information at your direction or with your consent. Finally, we will use your personal information as we believe necessary or appropriate to protect our rights, privacy, safety, property, and/or those of others.

HOW WE DISCLOSE AND SHARE YOUR PERSONAL INFORMATION.

In connection with one or more of the purposes outlined above, we may disclose personal information from each of the categories of information described in the “Collection of Personal Information” section above to the following categories of third-parties:

• Our Affiliates. We may disclose your personal information to affiliated companies for purposes consistent with this Notice and other business and operational purposes.
• Our Service Providers. We disclose your personal information to Service Providers who perform services on our behalf. For example, this may include merchandise vendors and payment processors. It may also include companies that send emails on our behalf or help us operate the Platform or provide the Services. Our Service Providers are restricted in their use of personal information that we disclose to them.
• Our Business Associates. We disclose your personal information to other companies with whom we partner to offer products and services and conduct other related activities. For example, we may disclose your personal information to a third-party that co-sponsors a contest or promotion. We may also disclose your personal information to third-parties whose products or services may be of interest to you.
• Our Research Vendors. We disclose your personal information to our research vendors, including those that perform surveys or research projects in partnership with us or on our behalf.
• Our Analytics Vendors. We disclose your personal information to our vendors that assist us in performing analytics and help us measure the effectiveness of the Platform's content and our online and offline marketing and advertising efforts.
• Our Advertising Associates. We disclose your personal information to third-parties for advertising purposes, including social media platforms, third-party advertising networks, and other parties that assist us in serving and optimizing our advertisements.
• Relevant Third-Parties in Connection with Business Transactions or Reorganizations. In the even We are involved with a corporate business transaction, such as a merger, acquisition, joint venture, financing, or sale of all or a portion of our company assets, your Personal Information may be disclosed. If another entity acquires us or any of our assets, personal information that we have collected may be transferred to such entity and its advisors leading up to and/or following the transaction. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, personal information that we hold may be considered an asset of ours and may be sold or transferred to third-parties.
• Competent Governmental and Public Authorities. We disclose your personal information as necessary pursuant to a court order or subpoena or to cooperate with a government agency or investigatory body request.
• Other Parties. We disclose your personal information to other parties at your direction or with your consent. If you are the winner of a sweepstakes or other contest, we may also disclose your personal information to anyone who requests a winner’s list. Finally, we disclose your personal information to other parties as we believe necessary or appropriate either to: (i) comply with applicable law; (ii) protect our operations and those of any of our affiliates; (iii) investigate and prevent against fraud; (iv) protect our rights, privacy, safety, or property and/or those of others; or (v) allow us to pursue available remedies or limit damages that we may sustain.

Please note that we may de-identify or aggregate personal information so that it will no longer be considered “personal information” and disclose such information to other parties for purposes consistent with those described in this Notice.

RETENTION POLICY.

We will retain your personal information as long as necessary to fulfill the purposes outlined in this Notice unless a longer retention period is required or allowed under law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information; the potential risk of harm from unauthorized use or disclosure of the personal information; the purposes for which we use the personal information; whether we can achieve the purposes through other means; and the applicable legal requirements.

If we de-identify information, we will maintain and use the information in de-identified form and not attempt to re-identify the information except as required or permitted by law.

If you no longer wish for us to use your information to provide services and products to you, you may close your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. If your account is canceled because you have not used it in a long time, we may delete this information at any time. There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance, or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your Personal Information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

INFORMATION SECURITY.

We employ and maintain reasonable administrative, physical, and technical measures designed to safeguard and protect the personal information under our control from loss, misuse, unauthorized access, disclosure, alteration, and destruction. However, the Internet is not 100% secure. As a result, like all businesses, we cannot guarantee the security of the Personal Information you provide to us. We encourage you to use caution when using the Internet.

CHANGES AND UPDATES TO THIS PRIVACY POLICY.

We reserve the right to amend this Privacy Policy at any time. Any changes will be effective immediately upon the posting of the updated Privacy Policy, or such later date as may be specified in the updated Privacy Policy. Please revisit this page periodically to stay aware of any changes to this Privacy Policy. Your continued use of our Website or Services after such change or update, will be deemed your acknowledgement of these changes to the Privacy Policy. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the Privacy Policy in effect at the time the dispute arose.

STATE PRIVACY DISCLOSURES.

This section provides state specific disclosures which apply solely to consumers who reside in the states listed. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws. To make a state rights request, please email us at [email protected]

• Notice to California Residents. As a California resident, you have the following rights regarding your personal information:
  1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this Privacy Policy.
  2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under California law.
  3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions provided under California law.
  4. Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt-out of the selling or sharing of your data. The CCPA requires us to describe the categories of personal information our company sells or shares to third-parties and how to opt-out of future sales or sharing of said information. The CCPA defines a “Sale” broadly to include the mere making of your personal information available to third-parties in some cases. Under the CCPA, the term “Share” is defined as providing personal information to a third-party to target advertising to a consumer based on information about their activity on multiple websites across the internet.
  5. Disclosure Request. You have the right to request that we provide you with: (i) a list of certain categories of personal information we have disclosed to third-parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third-parties.
  6. Appeal. You have the right to appeal Company's decision to refuse to act on a CCPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
  7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, your email, and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; or (iii) where otherwise permitted by applicable law.
  8. Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
  9. Notice of Financial Incentives. Company may offer discounts, rewards, or prizes for participation in certain activities that may be considered a “financial incentive” under California law. These activities may involve the collection of personal information. The categories of personal information we collect is limited to what information you provide us, but may include: identifiers, protected class/demographic information, commercial information, online activities, geolocation information (general and precise), sensory information, employment information, and inferences. Activities we engage in that may be considered a financial incentive include surveys where we may provide compensation such as a gift card or bonus in exchange for your time and responses, or a prize through your participation in promotions and sweepstakes. Participation in these programs may be subject to separate terms and conditions. Your participation in these programs is voluntary and you can terminate at any time as explained in any applicable terms. If we offer gift cards in exchange for your participation in a survey or when we engage in promotions or sweepstakes, the amount provided is reasonably related to the value of the data you provide, which takes into account a number of factors, including, the anticipated benefit we receive such as product improvement, better understanding how you use our products, to enhance our understanding of consumer and market trends, increased consumer engagement, and the anticipated expenses we incur in relation to the collection, storage, and use of the information we receive. The value may vary across surveys, promotions, and sweepstakes.
  10. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law, if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
  11. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
• Notice to Nevada Residents. Nevada law requires that we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].
• Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:
  1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this Privacy Policy.
  2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under Colorado law.
  3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions provided under Colorado law.
  4. Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt-out of the selling or sharing of your data. The Colorado law requires us to describe the categories of personal information our company sells or shares to third-parties and how to opt-out of future sales or sharing of said information. The Colorado law defines a “Sale” broadly to include the mere making of your personal information available to third-parties in some cases. Under the Colorado law, the term "Share" is defined as providing personal information to a third-party to target advertising to a consumer based on information about their activity on multiple websites across the internet.
  5. Disclosure Request. You have the right to request that we provide you with: (i) a list of certain categories of personal information we have disclosed to third-parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third-parties.
  6. Appeal. You have the right to appeal Company's decision to refuse to act on a Colorado law data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
  7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, your email, and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; or (iii) where otherwise permitted by applicable law.
  8. Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
  9. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law, if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
  10. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
• Notice for Vermont Residents. As a Vermont resident, you have the right to opt-out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers.
• Notice for Connecticut Residents. As a Connecticut resident, you have the following rights regarding your personal information:
  1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this Privacy Policy.
  2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under CTDPA.
  3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions provided under CTDPA.
  4. Opt-Out of Targeted Advertising. You have the right to opt-out of targeted advertising and the sale of personal data.
  5. Appeal. You have the right to appeal Company's decision to refuse to act on a CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to contact or file a complaint with the Connecticut Attorney General.
  6. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, your email, and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; or (iii) where otherwise permitted by applicable law.
  7. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law, if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
  8. Non-Discrimination For Exercising Your Rights. You have the right to not be discriminated against for exercising any of your privacy rights.
• Notice to Utah Residents. As a Utah resident, you have the following rights regarding your personal information:
  1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this Privacy Policy.
  2. Obtaining a Portable Copy of Your Personal Data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
  3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions provided under Utah law.
  4. Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data.
  5. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, your email, and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; or (iii) here otherwise permitted by applicable law.
  6. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law, if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
  7. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.
• Notice to Virginia Residents. As a Virginia resident, you have the following rights regarding your personal information:
  1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this Privacy Policy.
  2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under Virginia law.
  3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions provided under Virginia law.
  4. Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data.
  5. Obtaining a Portable Copy of Your Personal Data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
  6. Appeal. You have the right to appeal Company's decision to refuse to act on a VCDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to file a complaint with the Virginia Attorney General.
  7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, your email, and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; or (iii) where otherwise permitted by applicable law.
  8. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law, if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
  9. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.

Notice to Users Outside of the United States. This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States only. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located, and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

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