Privacy Policy

The effective date of this Privacy Policy is the 17th day of September, 2024.

This website is owned and operated by Read Self Loan Pointers.

Purpose

The purpose of this Privacy Policy (“Policy") is to inform users of our website (“Site”) of the following:

  • 1. The personal data we will collect;
  • 2. Use of collected data;
  • 3. Who has access to the data collected;
  • 4. The rights of Site users; and
  • 5. The Site's cookie policy.

This Policy applies in addition to the terms and conditions of our Site.

Consent

By using our Site users agree that they consent to:

  • 1. The conditions set out in this Policy; and
  • 2. The collection, use, and retention of the data listed in this Policy.

Personal Data We Collect

We only collect data that helps us achieve the purpose set out in this Policy. We will not collect any additional data beyond the data listed below without notifying you first.

Data Collected in a Non-Automatic Way

We also collect the following data when you perform certain functions on our Site:

  • 1. First and last name;
  • 2. Email address; and
  • 3. Phone number.

This data may be collected using the following methods: User input.

How We Use Personal Data

Data collected on our Site will only be used for the purposes specified in this Policy or indicated on the relevant pages of our Site. We will not use your data beyond what we disclose in this Policy.

The data we collect when the user performs certain functions may be used for the following purposes:

  • 1. Communication.
  • 2. Marketing & Advertising

Who We Share Personal Data With

We may disclose user data to any member of our organization who reasonably needs access to user data to achieve the purposes set out in this Policy.

Other Disclosures

We share information with Advertisers, Marketing Partners, and Third Parties.

If you follow hyperlinks from our Site to another website, please note that we are not responsible for and have no control over their privacy policies and practices.

How Long We Store Personal Data

User data will be stored until the purpose the data was collected for has been achieved.

While we take all reasonable precautions to ensure that user data is secure and that users are protected, there always remains the risk of harm. The Internet as a whole can be insecure at times and therefore we are unable to guarantee the security of user data beyond what is reasonably practical.

Children

We do not knowingly collect or use personal data from children under 13 years of age. If we learn that we have collected personal data from a child under 13 years of age, the personal data will be deleted as soon as possible. If a child under 13 years of age has provided us with personal data their parent or guardian may contact our privacy officer.

How to Access, Modify, Delete, or Challenge the Data Collected

If you would like to know if we have collected your personal data, how we have used your personal data, if we have disclosed your personal data and to whom we disclosed your personal data, or if you would like your data to be deleted or modified in any way, please contact our privacy officer.

Cookie Policy

A cookie is a small file, stored on a user's hard drive by a website. Its purpose is to collect data relating to the user's browsing habits. You can choose to be notified each time a cookie is transmitted. You can also choose to disable cookies entirely in your internet browser, but this may decrease the quality of your user experience.

Modifications

This Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Policy we will update the "Effective Date" at the top of this Policy. We recommend that our users periodically review our Policy to ensure that they are notified of any updates. If necessary, we may notify users by email of changes to this Policy.

California Consumer Privacy Act Privacy Notice

This Privacy Notice supplements the Policy and applies solely to California consumers who visit this website. Any terms defined in the California Consumer Privacy Act of 2018 (“CCPA”) have the same meaning when used in this Privacy Notice.

Information We Collect

We collect the following categories of personal information about consumers:

  • 1. Identifiers such as a real name, alias, postal address, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.

Sources of Information

We collect the categories of personal information listed above from the following categories of sources: User Input.

Use of Personal Information

We may use or disclose personal information for one or more of the following business purposes:

  • 1. Provide You With Service; and
  • 2. Send You Promotional Emails.
  • 3. Marketing Partner

Sharing or Sale of Personal Information with Third Parties

We may disclose or sell your personal information, such as identifiers, for a business purpose.

We disclose or sell personal information to the following category of third parties:

  • 1. Marketing Affiliates.

Your Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how you can exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose to you certain information about our collection and use of your personal information in the past 12 months. Once we receive and confirm your verifiable consumer request (see the Exercising Your Access and Deletion Rights section below), we will disclose to you:

  • 1. The categories of personal information we collected about you;
  • 2. The categories of sources from which we collected personal information about you;
  • 3. Our business or commercial purpose for collecting or selling personal information;
  • 4. The categories of third parties with whom we share personal information;
  • 5. The specific pieces of personal information we have collected about you (also called a data portability request);
  • 6. If we disclosed your personal information for a business purpose, the categories of personal information that we disclosed and that each category of third party received; and
  • 7. If we sold your personal information for a business purpose, the categories of personal information that we sold and that each category of third party purchased.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected and retained, subject to certain exceptions. Once we have received and confirmed your verifiable consumer request, we will delete, and direct any of our service providers to delete, your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  • 1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
  • 2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities;
  • 3. Debug products to identify and repair errors that impair existing intended functionality;
  • 4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law;
  • 5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 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 deletion of the information is likely to render impossible or seriously impair the research’s achievement, if you previously provided informed consent;
  • 7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us;

    • 8. Comply with a legal obligation; or

  • 9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Your Access and Deletion Rights

To exercise your access and deletion rights described above please contact us below.

You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must:

  • 1. Provide enough information for us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
  • 2. Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. You are not required to make an account with us to make a verifiable consumer request. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response electronically or by mail, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Right to Opt-Out

You have the right to direct us not to sell your personal information at any time (the “right to opt-out”). To exercise your right to opt-out, you or your authorized representative may submit a request to opt-out by visiting our Site. You are not required to make an account with us to exercise your right to opt-out. We will only use personal information provided in an opt-out request to verify the requestor's identity or authority to make the request and comply with the request. Once you have made an opt-out request, we will not ask you to reauthorize the sale of your personal information for at least twelve (12) months.

You can change your mind at any time and authorize the sale of your personal information by contacting us (see Contact Information).

Non-Discrimination

You have the right to not be discriminated against in pricing and services because you exercise any of your CCPA rights. Unless permitted by the CCPA, we will not use whether or not you have exercised your CCPA rights to:

  • 1. Deny you goods or services;
  • 2. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
  • 3. Provide you a different level or quality of goods or services; or
  • 4. Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes To This Policy

We may amend this Policy from time to time to maintain compliance with the law and to reflect any changes to our data collection process. We recommend you check this Policy from time to time to ensure you are aware of any changes. If necessary, we may notify you by email of changes to this Policy.

Contact Information

If you have any questions, please contact us at:

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