By accessing, utilizing, and/or providing information to www.effiwallet.com (“the Site”), you consent to the practices outlined in this Privacy Policy.
EOSSEO is committed to your privacy and has developed this Privacy Policy to detail how EOSSEO handles all information you might provide on www.effiwallet.com.
Information Collection and Usage
We gather and utilize your personal information to fulfill your requests for products and services available through this site. We also collect information to inform you about products, services, and opportunities we believe you will find valuable.
Information Gathering Methods
Information you provide: EOSSEO acquires personal information from you under the following circumstances:
Newsletter Registration: EOSSEO collects your personal information when you sign up for its newsletters online. Subscribing to the newsletter means your email address is captured. We also track whether you open the newsletters and engage with any links contained within them. If you opt out of the newsletter subscription, your email address is placed in our suppression file to adhere to CAN-SPAM regulations. EOSSEO may request personal details like your first name, last name, and email address when you register online.
Correspondence: Should you contact EOSSEO via the Site, or send personal messages such as emails or letters, or if others send us information about your actions on www.effiwallet.com or its social media, we compile this information into a personal file.
Social Media: Engaging with our social media profiles through likes or follows may lead us to associate such actions and any personal information with the data we have collected from you.
Information via cookies and tracking technologies: We utilize standard web protocols, cookies, beacons, and similar technologies to track your preferences, our site usage, and gather information. This data may include your IP address, browser type, ISP, navigation paths, operating system, timestamps, and/or clickstream data. We might merge this collected log data with other information we have about you. You can configure your browser to block cookies or alert you about them, though some parts of our Site might not work as intended in that case.
Information from third-party providers: We collect information from third-party services regarding geographic demographics like median household income or age. Third-party ad firms may serve ads on our behalf, employing cookies and action tags to assess ad performance. We may also get data on your interactions with EOSSEO.com advertising partners, through advertising networks, data analytics providers, and operating systems and platforms.
Usage of Information
The information we collect is used to operate our services offered through the Site, communicate with you, and conduct research and development to enhance our services and customer experiences. Here are some examples:
To refine our recommendations and insights. The collected data aids us in customizing our content and improving how we match you with suggested offers or insights. We continually strive to better identify and present the most relevant information to you.
For communication purposes. We use the collected information to send you our newsletter, provide requested support, or personalize offer recommendations. You can opt out of these offers and remove yourself from email promotion lists at any time by emailing info [at] EOSSEO.com.
To research, improve, and promote our Services. We utilize collected information for research and to enhance, as well as promote our Services.
For legal reasons. We may share your personal information to comply with the law, enforce our Terms of Use, or protect the rights, property, or safety of EOSSEO.com, our employees, partners, and users, as permitted by law. We reserve the right to disclose information externally if legally required or ordered by a court.
Who Has Access to Your Information
EOSSEO does not sell your personal data. Below are some instances where your personal information might be shared during normal business operations:
Advertisers: EOSSEO may compile personal data and disclose it to advertisers and other third parties for marketing and promotional purposes. For instance, we might aggregate and share location data with advertisers to show where their ads are most effective.
External Service Providers: EOSSEO may refer you to third-party services, including those of affiliates, that complement your use of www.effiwallet.com, such as real estate agents, mortgage brokers, lenders, financial institutions, credit card issuers, and information aggregators. If you opt to use these services and share your data with them, or allow them to collect your information, their privacy policies will govern their use of your data. With your permission, we may share some of your personal information with these providers to facilitate your use of their services. You can prevent this by not consenting to share your information or by not using their services. We recommend reviewing the privacy practices of these external service providers before engaging with them.
Internal Service Providers: EOSSEO might use third-party services to manage certain aspects of its business, services, and operations (e.g., technology, newsletters, analytics, advertising management). Consequently, we may share your personal information with these internal service providers under confidentiality agreements or other legal restrictions that limit their use of the information to the specific services they provide for EOSSEO. In some cases, these providers may directly collect information from you, and if so, they will inform you of their involvement, and any additional data you provide will be governed by their privacy policies.
In the Event of a Sale: Your personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization, other transfer, or bankruptcy involving EOSSEO and/or its affiliates. EOSSEO expressly reserves the right to transfer the information collected from www.effiwallet.com to a third party in connection with such a Transfer, and nothing in this Privacy Policy is intended to restrict EOSSEO’ ability to transfer its business or assets to an affiliate or independent third party at any time, for any purpose, without limitation.
Network Advertising: EOSSEO may collaborate with third-party advertising companies for marketing, advertising, and promotional purposes, as well as to serve advertisements. These companies help us and advertisers determine which ads or content to show you. For example, advertisers may use information about your visits to www.effiwallet.com and other websites to provide ads about products and services of interest to you.
Types of information collected by third-party advertising companies may include:
-Browser type and operating system;
-Visited domain names and webpage viewing information when ads are shown;
-Your IP address and Internet service provider location;
-Date and time of website visits;
-Search keywords from another server;
-Frequency of ad clicks and site interactions.
-Controlling Your Personal Information
You can limit the collection or use of your personal information in these ways:
Avoid completing forms: Submitting forms is voluntary and necessary only for sign-ups or additional information such as newsletters.
If you previously consented to our use of your personal information for direct marketing or newsletters, you can retract this consent anytime by contacting us at info [at] EOSSEO.com.
Disable cookies: You can set your browser to block or alert you about cookies. Default browser settings typically accept cookies, but you can modify this to decline cookies, which may impact your site experience.
Except as specified in this Privacy Policy, we will not sell, distribute, or lease your personal information to third parties without your permission or unless legally required.
Newsletters and CAN-SPAM Compliance
EOSSEO.com may send newsletters to subscribers, verifying subscriptions via email. We comply fully with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003. You can unsubscribe from newsletters at any time through the provided unsubscribe link.
Cookie Technology
Cookies are small files requesting permission to be placed on your computer’s hard drive. Once approved, they help analyze web traffic or notify you when visiting specific sites. Cookies allow web applications to cater to your individual preferences by collecting and remembering your likes and dislikes.
Cookies enable us to provide a better website by monitoring which pages you find useful. Cookies may collect data including your IP address, browser type, ISP, referring/exit pages, operating system, date/time stamp, and clickstream data. EOSSEO, along with its external and internal service providers and third-party advertisers, may use cookies to track and store your preferences. Note that you can adjust your browser settings to decline cookies.
Security
Your personal information on EOSSEO is secured with password protection and SSL encryption. In the unlikely event of a security breach by an unauthorized third party, EOSSEO is not liable for direct or indirect damages caused by such exposure of information.
Links to Other Websites
www.effiwallet.com may feature links to external websites. These links do not imply EOSSEO’ endorsement of these sites or their products and services. External sites have their own privacy policies, and EOSSEO is not accountable for their privacy practices. If you follow a link to an external website, it’s recommended to review that site’s privacy policy, which may significantly differ from EOSSEO’ Privacy Policy.
California Consumers’ Privacy Rights
This part of the Privacy Policy augments the details provided in the rest of our Privacy Policy and is specifically for visitors, users, and others residing in California, as defined by Section 17014 of Title 18 of the Cal. Code of Regulations (“Consumers”). This section aims to comply with the California Consumer Privacy Act of 2018 (“CCPA”). Terms defined by the CCPA retain their meaning in this context.
Personal Information Collection
EOSSEO gathers Personal Information from Consumers via the Site. In the last 12 months, EOSSEO has compiled the following details from Consumers:
– **Identifiers:** This includes a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. **Purpose:** To fulfill site requests including newsletter subscriptions, track site usage, personalize and enhance the site experience, for advertising/marketing, updating internal databases, analytics, detecting security incidents, and ensuring legal compliance.
– **Categories of Personal Information in Section 1798.80(e):** Information such as name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, financial details, medical information, or health insurance information is not collected.
– **Protected Classification Characteristics:** Information related to age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex, sexual orientation, veteran status, or genetic information is not collected.
– **Commercial Information:** Records of personal property, products or services purchased, or other purchasing histories are collected. **Purpose:** For tracking and interacting with the site, personalization, advertising/marketing, internal database updates, analytics, tracking consumer interactions, and ensuring legal compliance.
– **Biometric Information:** Data like physiological, biological, or behavioral characteristics that can establish individual identity are not collected.
– **Internet or Other Electronic Network Activity Information:** This includes browsing history, search history, and interaction with websites, applications, or advertisements. **Purpose:** For providing access to and interaction with the site, personalization, advertising/marketing, internal database updates, analytics, detecting security incidents, and legal compliance.
– **Geolocation Data:** Physical location or movement data is not collected.
– **Sensory Information:** Audio, visual, or other sensory data is not collected.
– **Professional or Employment-Related Information:** Data regarding current or past employment is not collected.
– **Education Information:** Records maintained by educational institutions or their third parties are not collected.
– **Inferences Drawn from Other Information:** Data reflecting a consumer’s preferences, characteristics, habits, or attitudes is not collected.
This summary outlines the types of personal information EOSSEO collects, including the specific purposes for each type of data collection, highlighting the company’s commitment to privacy and compliance with the California Consumer Privacy Act of 2018 (CCPA).
Sources of Personal Information
EOSSEO acquires Personal Information from various sources:
– Directly from Consumers or their representatives through responses to forms on the Site.
– Directly and indirectly from activity on the Site, such as through Consumers’ interactions.
– Additionally, personal information may be collected through advertising networks, advertising partners, data analytics providers, and operating systems and platforms. EOSSEO will not collect additional categories of Personal Information or use Personal Information for materially different, unrelated, or incompatible purposes without providing you notice.
Uses of Personal Information
The collected information is utilized as previously mentioned and for the following purposes:
– To fulfill the specific purpose for which the information was provided by the Consumer.
– To perform activities described to you when collecting your Personal Information or as outlined in the CCPA.
– To provide Consumers with requested information, products, or services.
– For internal and external marketing purposes.
– To fulfill obligations and enforce contractual rights.
– To improve services provided through the Site, including testing, research, analysis, and development.
– To respond to law enforcement and governmental requests as mandated by law, court orders, or regulations.
– To assess or conduct a merger, divestiture, restructuring, reorganization, dissolution, or sale of assets as part of ongoing business or in discrete transactions, including where Personal Information is among the transferred assets.
Sharing and Sale of Personal Information
In the past 12 months, EOSSEO has shared personal information within the “identifiers” category with email service providers for business purposes, such as to manage newsletter subscriptions or comply with unsubscribe requests. Additionally, personal information may be disclosed if legally required, or in good faith believed necessary for legal compliance, protecting rights or property, preventing crime, protecting national security, or ensuring personal safety. In the event of a sale, merger, or bankruptcy, personal information may be transferred as part of the assets.
EOSSEO does not sell Personal Information as defined under the CCPA. In case of substantial asset transfers, insolvency proceedings, or approved court transactions, personal information may be included or disposed of.
Minors’ Information
EOSSEO does not knowingly collect, disclose, or sell personal information of minors under 16 years of age.
Consumer Rights under CCPA
Consumers have several rights regarding their personal information under the CCPA:
– The right to know about the collection, disclosure, or sale of their personal information.
– The right to request deletion of personal information held by EOSSEO.
– The right to opt-out of the sale of their personal information.
– The right against discrimination for exercising CCPA rights.
Requesting to Know Your Personal Information
Consumers can request to know specific pieces or categories of personal information collected about them, including the sources, purposes, and third parties involved. CCPA allows up to two requests within a 12-month period.
Requests can be made via email to privacy[at]EOSSEO.com. Verification may require first and last name, California address, phone number, and email address. If using an authorized agent, written permission, identity verification, and confirmation of agent authorization are required.
EOSSEO primarily collects email addresses for newsletter subscriptions, with IP addresses being the primary information for non-subscribers. Due to the nature of this data, it may not always be possible to fulfill requests to know or delete personal information, as public availability and the level of certainty in verifying identities may vary.
Your Right to Request Deletion
You possess the right to request the deletion of any personal information that EOSSEO has collected from you and retained, barring certain exceptions. To initiate a deletion request, you can contact us via email at privacy[at]EOSSEO.com, or send a physical request to: ConsumerTrack, Inc., 1700 E. Walnut Avenue 2nd Floor, El Segundo, CA 90245. To process your request, we may need your first name, last name, California address, phone number, and email address. This information is utilized to verify your identity and locate your data within our records. If you opt to use an authorized agent for this request, we will need written and signed permission from you, verification of your identity, and confirmation that you have authorized the agent to act on your behalf. The information provided for the deletion request will solely be used for verification and to fulfill your request.
Upon receiving and verifying your consumer request, we will proceed to delete your personal information from our records and instruct our service providers to do the same, unless an exception applies. EOSSEO mainly stores email addresses for newsletter subscribers. For non-subscribers, the primary piece of Personal Information collected is IP addresses. Due to the public availability of email addresses and IP addresses, verifying identities to a sufficiently high degree of certainty to fulfill deletion requests may not always be possible.
Exceptions to Deletion Requests
We may deny your deletion request under certain circumstances, such as when retaining the information is necessary for us or our service providers to:
1. Complete transactions, provide a good or service requested by you, perform actions reasonably anticipated within our ongoing business relationship, or otherwise fulfill our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activities, or prosecute those responsible for such activities.
3. Debug products to identify and repair functionality errors.
4. Exercise free speech, ensure another consumer’s free speech rights, or exercise another right provided by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
7. Enable solely internal uses reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with legal obligations.
9. Make other internal and lawful uses of the information compatible with the context in which you provided it.
Your Right to Non-Discrimination for Exercising Your Privacy Rights
California ensures that consumers will not receive discriminatory treatment by businesses for exercising their privacy rights under the CCPA. This means you cannot be denied goods or services, charged different prices or rates, provided a different level or quality of goods or services, or suggested that you may receive a different price, rate, or level or quality of goods or services. However, businesses may offer financial incentives or price or service differences if they are reasonably related to the value of your data.
Changes to This Privacy Policy
EOSSEO reserves the right to modify this Privacy Policy at any time. Changes will be posted on this page, and your continued use of www.effiwallet.com after changes are posted will constitute your acceptance of those changes.
Advertisers
This site features offers from advertisers from which we receive compensation. This may influence how and where products appear on the site, including the order of appearance. The site presents all products and services without warranty, and it may receive compensation through third party advertisers, featuring sponsored content and links.
Questions or Concerns
For any questions or concerns regarding this Privacy Policy, you can contact us via email at info[at]EOSSEO.com.
Governing Law; Arbitration
This Privacy Policy is governed by the laws of California, and any disputes related to this policy will be subject to arbitration in Los Angeles County, California, under the rules of the American Arbitration Association. Both parties waive the right to bring or participate in class actions or arbitrations.
Miscellaneous
This Privacy Policy’s enforceability is not contingent upon the legality of any specific provision. Headings are for convenience only and do not influence the interpretation of this policy. This policy’s provisions will survive acceptance of the policy, and any amendments will be effective upon acceptance by users.