Last modified: December 5, 2019
Children Under the Age of 16
Our Website is intended for adults over 18 years of age. Our Website is not intended for children under 16 years of age. No one under age 16 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, sign up for news and program updates, submit any applications or make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at firstname.lastname@example.org.California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including information you provide us in connection with application for one of our income sharing programs, including information by which you may be personally identified, such as your name, mailing address, e-mail address, telephone number, date of birth, education level, proof of identification (like a driver’s license or school ID), social security number, credit history, credit score, debt and other liabilities, assets, work experience, salary history, tax returns and pay stubs (collectively, "personal information").We may also collection information that is about you but individually does not identify you, such as information about your internet connection, the equipment you use to access our Website, and usage details. We collect this information:-Directly from you when you provide it to us.-Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.-From third parties, for example, our business partners.
Information You Provide to Us
The information we collect on or through our Website may include:-Information that you provide by filling in forms on our Website or uploading documents through our Website. This includes information provided at the time of registering on our Website, applying for one of our programs, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.-Records and copies of your correspondence (including email addresses), if you contact us.-Your responses to surveys that we might ask you to complete for research purposes.-Details of actions you carry out through our Website and of the fulfillment of your requests. -Your search queries on the Website.
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
-Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
-Information about your computer or device used to access our Website and your internet connection, including your IP address, operating system, and browser type.
-Metadata and other information associated with other files stored on your device. We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).
Email us at email@example.com for information on how you can opt out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.
The information we collect automatically may include personal information or is only statistical data but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
-Estimate our audience size and usage patterns.
-Store information about your preferences, allowing us to customize our Website according to your individual interests.
-Speed up your searches.
-Recognize you when you return to our Website.
The technologies we use for this automatic data collection may include:
-Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
-Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
-Third Party Widgets. We may allow certain widgets (e.g., social share buttons) on our web site to enable users to easily share information on social media platforms. Third parties that own these widgets may have access to information about your browsing on our Website. You should review the privacy policies of these third parties to determine how they collect and treat such information.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:-To present our Website and its contents to you.-To provide you with information, products, or services that you request from us.-To fulfill any other purpose for which you provide it.-To provide you with notices about your account, including amounts funded, account status and terms.-To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.-To notify you about changes to our Website or any products or services we offer or provide though it.-To allow you to participate in interactive features on our Website.-In any other way we may describe when you provide the information.-For any other purpose with your consent.
Disclosure of Your Information
-To our subsidiaries and affiliates.
-To contractors, service providers, and other third parties we use to support our business.
-To a buyer or other successor in the event of 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 bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
-To fulfill the purpose for which you provide it. For example, if you give us an email address to use the "email a friend" feature of our Website, we will transmit the contents of that email and your email address to the recipients.
-For any other purpose disclosed by us when you provide the information.
-With your consent.
We may also disclose your personal information:
-To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
-If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
-Promotional Offers from the Company. If you do not wish to have your email address or other contact information used by the Company to promote our own or third parties' products or services, you can opt-out by checking the relevant box located on the registration form on which we collect your data or at any other time by sending us an email stating your request to firstname.lastname@example.org. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a transactions.We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.
Accessing and Correcting Your Information
California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.
Your California Privacy Rights
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://www.chisos.io/privacy-notice-for-california-residents.
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions and personal information will be encrypted. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.