Privacy Policy

Effective date: June 2, 2020

Consumer Privacy Notice

Important Notice Regarding Your Personal Information

What does The Consumer Collective do with your personal information?

Who is providing this notice?

This notice is being made on behalf of The Downtown Business Collective . ("The Consumer Collective " or "we" or "us")

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the products or services you have with us. This information can include:

Social Security number and other identification information
Account balances
Payment and transaction history
Credit history and credit score
Income, assets and liabilities
Loss and claim history

When you are no longer a customer, we continue to share your information as described in this notice.

How?

All financial companies need to share their customers’ personal information to run their everyday business. In the section below, we list many of the reasons financial companies can share their customers’ personal information.

Reasons we may share your personal information

For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes to offer our products and services to you
For joint marketing with other financial companies
For our affiliates' everyday business purposes -- information about your transactions and experiences
For our affiliates' everyday business purposes -- information about your creditworthiness
For our affiliates to market to you
For non-affiliates to market to you

Questions?

What we do

How does The Consumer Collective protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We use physical, electronic and procedural safeguards to help prevent unauthorized access to customer information, and periodically test and update our safeguards. We train and regularly educate our employees about the importance of maintaining the confidentiality of customer information and the proper handling of customer information.

How does The Consumer Collective collect my personal information?

We collect your personal information, for example, when you:

Apply for products or services

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

Sharing for affiliates’ everyday business purposes - information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

We reserve the right to share your personal information with our affiliates

Non-Affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

We reserve the right to sell your information to outside marketers to allow them to independently solicit you for a product. You may see offers from third-parties on our site, but this does not require sharing your personal information with them to provide these offers.
We may disclose customer information about you to credit reporting agencies, in response to a subpoena or court order, as required by certain federal and state laws, and pursuant to your request or authorization.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

We reserve the right to share your personal information in connection with joint marketing activities.

Online Privacy Policy

This Online Privacy Policy ("Policy") applies to your interaction with The Downtown Business Collective ("The Consumer Collective ," "we," "us," "our") at any online site, mobile application, or similar technology that we own and control (each a "Site"), unless a different online and/or mobile policy is posted at a particular Site, or is made available to you and by its terms supersedes this Policy. Other privacy policies may also apply in addition to the terms of this Policy. You may also receive an additional privacy notice in connection with your use of a particular product or relationship with a specific business. Please note that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party’s privacy policy and terms of use, rather than this Policy, will govern, unless specifically stated otherwise. This Policy is not a contract and does not create any legal rights or obligations.

What information does the Site obtain and how is it used?

Types of Information

You may interact with us in a variety of ways online, including through a PC, tablet, or mobile device. We may offer Sites that permit browsing and do not require registration. We may also offer the ability to access your account online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, e-mail address, other contact information; data resulting from your activity; and location information. We may also gather additional information such as the type of device and browser you are using, the Internet protocol (IP) address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies, as described further below.

Location Information

The Site may collect information about your location when you choose to use location-based services. For example, the Site will collect the address, city, and/or zip code that you provide when submitting an online account application. The Site may also access information about the location of your device automatically when needed to perform location-based services that you request. Location information may be obtained based on your device’s IP address and through other technologies, like GPS. We may use your location information to provide requested location-based services.

Depending on the type of device and browser you are using, you may be able to prevent access to certain location information in your device and/or browser settings; however, doing so may limit the functionality we can provide when you visit our Site. We recommend that you refer to information supplied by your device and browser providers for specific information about how to use location settings.

About "Cookies"

In order to provide better service, our Site may use a software "cookie". A cookie is a small piece of information which a website or application stores in the web browser or mobile application on your device and can later retrieve. A cookie cannot be read by a website or application other than the one that set the cookie. Many cookies only last through a single session or visit.

We may use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information. We may also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our Site; monitoring online promotions; and anti-fraud and information security purposes.

Cookies used to facilitate online activity. These types of cookies are called session cookies and may be necessary in order to access certain services within our Site. These cookies may also prevent you from having to enter information twice. These cookies are not active after you log off of the services and are deleted when you completely close your web browser windows or mobile application after a session. When you use our Site, we also may use the information in the cookie or similar file to match the web browser and device you use with your account for security purposes.

Cookies used for personalizing your visit. We may create some cookies that allow us to present information that is useful to you when you later return to our Site. These cookies remember your preferences from an earlier visit in order to customize our Site pages when you return. These cookies stay on your device unless you delete them.

Cookies used to evaluate our Site. We may use these cookies to track how visitors use our Site, including the pathways to certain pages, the time spent on a page, and the number of visitors to a page. This allows us to improve navigability of our Site and to decide to delete or improve pages. These cookies stay on your device unless you delete them.

Cookies used to evaluate the effectiveness of advertising placed elsewhere on the Internet. We may use these types of cookies and other related technology to track responses to our online advertisements and the ranking of our internet address in search engines. These cookies are placed on your device when you view our ad at another web site or on our own Site. These cookies identify the ads which led to your visit to our Site. These cookies stay on your device unless you delete them. We may use third-party advertising companies to serve ads and/or collect information when you visit our Site and sites upon which we advertise. This third-party advertising technology uses information about your visits to our Site and the sites upon which we advertise to serve our ads to you. In the course of serving our advertisements to you, a unique third-party cookie may be placed or recognized on your browser or application. In addition, we may use web beacons, provided by third-party advertising companies, to help manage our online advertising. These web beacons enable us to recognize a browser’s cookie when a browser visits our Site and to learn which banner ads bring users to our Site. To learn more about our third-party advertising companies and cookies, please contact help@diyhelpdesk.com.

Data collected from a particular browser, application, or device may be used to provide online advertising on another computer, application, or device that is associated with the browser, application, or device on which such data was collected. We do not store any information on cookies that would enable anyone to contact you via telephone, e-mail, or U.S. mail.

We may also provide certain widgets or tools on our Sites, such as tools that allow you to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our Site, such as a map or information streaming from another site, including communications streaming from a third party social media platform. These widgets, tools, and informational items often function through the use of third party cookies utilized by the third party site, such as the social media platform. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

Do You Have to Accept Cookies?

You may be able to set your browser to reject cookies. However, if you choose to reject cookies, you may limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by your browser provider for specific information about how to use these tools.

Do Not Track

Do Not Track ("DNT") is a privacy preference that users can set in recent versions of most major web browsers, including Firefox 5+, Internet Explorer 9+, Safari 5.1+, and Chrome. DNT allows users to inform web services that they do not want certain information about their webpage visits collected across websites.

In accordance with this Policy, we and our service providers and/or third party analytics companies may collect certain personally identifiable information ("PII") about your online activities over time and across third-party websites or online services. Such information may be collected for marketing purposes, including the delivery of ads that are tailored to you based on your visits to other websites. We may also use such information for our internal product development or research purposes. While our Website does not respond to DNT signals, you may be able to set your browser to block cookies and collection of certain information as described above.

Additional Cookies

Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe® folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash® objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.

Additional Technologies

We may also use additional technologies such as ad tags, web beacons, tagged URLs, scripts, and clear GIFs, and may permit our third party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites.

Using Information

In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our Sites.

Sharing

We may share information with our trusted services providers who work on our behalf, do not have an independent use of the information we disclose to them, and have agreed to adhere to the rules set forth in this Policy; such as data processors and companies that help us market products and services to you and evaluate online advertising and the use of our Site. When permitted or required by law, we may share information with additional third parties for other purposes, including response to legal process.

Off-Site Links

For your reference and convenience, our Site may provide links to other websites on the Internet. Unless otherwise noted, these links are provided for your convenience and do not constitute an endorsement. These third party sites are not within our control and may not have the same privacy, security or accessibility standards. Third parties are solely responsible for the content and availability of their sites. You should also refer to the third party site’s privacy and security policies when accessing that site. Additionally, from time to time, we may make available to you and you may agree to purchase services in connection with your account that are provided by a third party. You acknowledge and agree that the terms of those services are between you and the third party. We expressly disclaim any warranties associated with those services and you agree to hold us harmless from any loss or damage you may incur in connection with those services.

Children

We do not use our Site to knowingly collect data from or market to children under the age of 18. If a child under 18 has provided us with personal information without parental or guardian consent, the parent or guardian may contact us at help@diyhelpdesk.com. We will delete such information from our files within a reasonable time and unsubscribe the child from any promotional contact opportunities.

Security

Protecting the confidentiality of your information is very important to us. We have established appropriate physical, electronic, and procedural safeguards to protect information we collect from or about our users. For example, we limit access to this information to authorized employees and contractors who need to know that information in order to operate, develop or improve our Site and services. These safeguards are regularly reviewed to protect against unauthorized access, disclosure and improper use of your information and to maintain the accuracy and integrity of that information.

Policy Updates and Effective Date

We reserve the right to modify this Policy at any time and without prior notice. If we make updates to this Policy, we will update the Policy with the changes and revise the “Effective Date“ posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. You may also revisit this page to view the current copy of this Policy. Your use of the Site following an update to this Policy means that you accept the updated Policy.

Your Consent

By using our Site or interacting with an The Consumer Collective advertisement or page or account on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Contact us

If you have any questions regarding privacy while using the Site, please contact us at help@diyhelpdesk.com