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PRIVACY POLICY
About This Notice
This Web site is operated by WECOSIGN Services, Inc., d/b/a (“WeCosign”). This privacy policy (“Privacy Policy”) applies to the information that you provide to WeCosign via the www.wecosignservices.com Web site where this Privacy Policy appears in the footer, and/or by use of other services (collectively, the “Services”) that may be provided by other means or media, including as set forth below.
This Privacy Policy is intended to provide you notice of WeCosign’s information management practices, including the types of information gathered, how it is used and safeguarded, and the degree to which you may control the maintenance and sharing of your information. Your use of any WeCosign Service or Web site constitutes acceptance of this Privacy Policy.
This Privacy Policy will be continuously assessed against new technologies, business practices and our customers’ needs. You are encouraged to review this Privacy Policy regularly as it may change at any time. The effective date of this Privacy Policy and any revised or changed notice may be found on this Web site.
Personal Information Collected by WeCosign
In general, you can visit this Web site without telling WeCosign who you are or without revealing any information about yourself. WeCosign will not collect any personal information about you by means of this Web site, unless you have provided such personal information to WeCosign voluntarily. For example, certain WeCosign Services may require you to submit personal information in order for those Services to function as designated. Such information might include your name, your physical contact information, including your address and phone number(s), your email address, and certain financial information, such as your credit card, debit card or checking account number(s).
If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases located in the United States. We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:
• Help us evaluate your request for a product or Service;
• Help us process claims and other transactions;
• Confirm or correct what we know about you;
• Help us prevent fraud, terrorism, and other crimes by verifying what
we know about you; and
• Process data for WeCosign.
We may also collect information about your transactions and experiences, with WeCosign and others, such as your payment history, claims, and coverage changes. When we disclose information to others to perform business services for us they are required to take appropriate steps to protect this information. And, they may use the information only for the purposes of performing those business services.
Because of the financial nature of our business, Web sites operated by WeCosign are not designed to appeal to children under the age of 13. As such, WeCosign does not knowingly attempt to solicit or receive any information from children.
Control and Access to Personal Information
WeCosign may need to communicate with you regarding critical messages relating to your product or Service (such as service messages, renewal notices, or legally mandated notices). In addition, if you are required to provide WeCosign with your email address, we may use it from time to time to notify you of changes to this Privacy Policy, additional services, confirm transactions, or to provide general information regarding your policy. If you do not wish to be contacted by email for non-policy related communications from WeCosign, you may unsubscribe using the link provided on the email you receive.
Opt-Out
The personal information WeCosign collects is not shared with non-affiliated third-parties for their marketing, or promotional, use. Therefore, there is no need to “opt-out” from sharing your personal information. WeCosign may disclose personal information to the following categories of non-affiliated third parties with which WeCosign, and its affiliated companies, contract to perform certain functions or services on their behalf: (i) other financial institutions; (ii) other insurance companies; and (iii) other third-parties, such as your landlord.
Cookies
When you visit this Web site, we may store some information on your computer. This information will be in the form of a “cookie” or similar file and can help us maintain and improve this Web site in many ways. A “cookie” is a small amount of data that is transferred to your web browser by a web server and can only be read by the server that gave it to you. It functions as your identification card, recording such things as Internet address, passwords, and preferences. It cannot be executed as code or deliver viruses. This is all done without WeCosign knowing your name or other personal information. When you visit any WeCosign Web site you are anonymous, unless you chose to identify yourself to us. Some of our business partners may use cookies on our site. We have no access to or control over these cookies. This Privacy Policy covers the use of cookies by the www.eRenterPlan.com Web site only and does not cover the use of cookies by any of our business partners. With most web browsers, you can erase “cookies” from your computer hard drive, block all “cookies”, or receive a warning before a “cookie” is stored. Please refer to the “Help” portion of the browser toolbar to learn more about these functions.
Information Retention
WeCosign reserves the right to retain personal information collected through its Web site, and other means, for the length of our business relationship with you. In some cases, however, WeCosign will retain the information for a longer period if required to do so by law or regulation.
Onward Transfer
WeCosign may disclose information you provide to third-parties in order to complete a transaction that you have requested, including, but not limited to, processing credit or debit card payments. Finally, please note that WeCosign may disclose personal information when required by law or in the good faith belief that such action is necessary in order to comply with the law or legal process. This includes:
• If it is necessary for WeCosign to respond to subpoenas, court orders, or legal process, or to exercise our rights or defend against legal claims.
• WeCosign believes it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of WeCosign agreements, or as otherwise required by law
• WeCosign transfers information about you if WeCosign is acquired by or merged with another company. In this event, WeCosign shall notify you before information about you is transferred and becomes subject to a different privacy policy.
• Service providers under contract who assist with the services provided by WeCosign, including, but not limited to, fraud investigations and bill collection.
Our Commitment to Data Security
WeCosign takes commercially reasonable steps to protect against the loss, misuse, or unauthorized alteration of personal information, including credit card numbers, collected through this Web site. We recognize the importance of security for all personal information collected through this Web site. We exercise care in providing secure transmission of your information from your web browser to our servers. Once we receive personal information, we take steps to protect its security on our systems. In the event we request or transmit sensitive information, such as credit card, debit card or checking account information, we use industry standard, secure-socket-layer (“SSL”) encryption. We strictly limit access to personal information to those employees who need access in order to carry out their job responsibilities. All employees are prohibited from “browsing” through our files and databases. We train our employees in the application of our need-to-know standard. We periodically audit for compliance with this standard and we impose penalties for any failure to comply with this standard.
Privacy Concerns
WeCosign takes its customers’ privacy seriously. If you have questions or concerns regarding this Privacy Policy, you should first contact WeCosign using the Contact Us link, or write to us at the following address:
WeCosign Services, Inc.
Santa Ana, CA 92705
Privacy Policy Notice Revisions
We may amend this Privacy Policy from time to time. All amended terms will automatically take effect thirty (30) days after they are initially made and will be made available on the WeCosign Web site. In addition, we may notify you by email of amended terms to this Privacy Policy if: (i) you have provided your email address to us; and (ii) you have consented to receive electronic communications from us.
The effective date of this Privacy Policy is: 08/13/2008
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