About this Privacy Policy

We respect the privacy of our users and have developed this Privacy Policy to demonstrate our commitment to protecting your privacy. This Privacy Policy is intended to describe information that we collect from you as part of the normal operation of our service and how that information may be used, with whom it may be shared, and your choices about such uses and disclosures. If you have questions about our privacy practices, please refer to the section of this Privacy Policy for information on how to Contact Us.

Your Consent

Please read this entire Policy carefully before using this Site or providing us with any information. When you access or use this Site, you consent to the collection, use and disclosure of your information in accordance with this Policy. By providing personal information to the Site, all Users fully understand and consent to the collection, use and processing of such information by Vivify Financial Inc. or third parties as set forth herein. If you do not agree to the terms of this Policy, you are not authorized to use the Site.

Contact Us

If you have any questions or comments relating to our website or Privacy Policy, or if you would like to request information about our disclosure of personal information to third parties, please contact us by email at: info@vivifyfinancialinc.com

Application of this Privacy Policy

Please note that this Privacy Policy applies only to Sites owned, operated and controlled by Vivify Financial Inc. and not to websites maintained by other companies to which we may link.

Links to Third Parties

For your convenience and to improve the usage of the website we may insert links to third parties on this site. This Privacy Policy does not apply to such third party websites. These links take you outside of our service and off our Site and are beyond our control. This includes links from partners that may use Vivify Financial Inc.'s logos as part of a co-branding agreement. The sites that such links may direct you to have their own separate Privacy Policy. Vivify Financial Inc. is not liable for the content and activities of those sites. Your visits and access to such websites is at your own risk. Please note that third parties' sites may utilize their own cookies with users, collect users' data, and/or solicit users' personal information

Agreement to Terms of Privacy Policy and Terms of Use

All activities in which you may engage on this website are voluntary. You are not required to provide any personal information to us unless you choose to access features on this site which require the information. If you do not agree with the terms of this policy or other terms of use on this website, then you should immediately exit this website and discontinue using the Site. If you do not agree with the terms of our Privacy Policy and our Terms of Service, please do not provide us with personal information, and leave this Website. The Terms of Service of this Site are expressly incorporated herein by reference and made a part of this policy. By using the Website, you signify that you agree to the terms of this Privacy Policy as well as to our Terms of Service.

No Use of This Site by Persons Under 18 Permitted

This Site is not directed at persons under the age of 18. Persons under the age of 18 must not send any personal information to Vivify Financial Inc. under any circumstances, including but not limited to name, address or email address.

Information We Collect

You may be required to provide "personal information" to access or use certain parts of our Website or features of the Site. If you do not provide the requested personal information, you may not be able to access or use the features of the site where such information is requested. We may ask you for personal information, which includes information that pertains to your identity, that we or certain of our participating third party partners consider necessary for performing a preliminary evaluation of your qualifications to receive applicable products and/or services. Such information may include, but is not limited to, items such as: your name; address; e-mail address; telephone number; fax number; credit card information; social security number; date of birth; age; gender; information about your interests in and use of various products, programs, and services; education level; educational interests; home owner status; income; debt level; current mortgage; mortgage rate and the like and other information that does not identify you. In addition, we may collect certain information regarding the number and type of products and/or services you have responded to and completed.

Cookies

When you visit our Website, we may collect certain information through the use of cookies to facilitate your access to our Site and to personalize your online experience. A cookie is a small text file that is stored on a user's computer for record keeping purposes. We use both session cookies, which terminate when a user closes his/her browser, and persistent cookies, which remain on the user's computer until manually deleted. You may decline our cookies if your web browser software permits, although this may prevent you from accessing certain features of the Service. Through the use of cookies, we collect certain information online and offline arising out of your use of our Site. When you visit our Site, we track certain non-personally identifiable information with respect to your behavior on the Site. This non-personally identifiable information may include the Internet address or URL that you just came from and the URL to which you go next; the links you click; any searches you conduct on our site; your computer browser information; your IP address; and/or other actions you conduct while on our Websites. We use this non-personally identifiable information in conjunction with some of the information that you provided to conduct internal research on users' demographics and behavior and to better understand how to serve users, such as yourself, of the Site. The aforementioned information cannot, by itself, be used to gather any personally identifiable information about you, but it will allow us to track the overall effectiveness of our online advertising campaigns.

Third Party Cookies

Notwithstanding anything else in this policy, we or a data provider we have engaged may place or recognize a unique cookie on your browser to enable you to receive customized ads or content. These cookies contain no personally identifiable information. The cookies may reflect de-identified demographic or other data linked to data you voluntarily have submitted to us, e.g., your email address, that we may share with a data provider solely in hashed, non-human readable form. To opt-out of these cookies, please go to http://www.aboutads.info/choices.

Log Files

When you visit our Website, we track internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp and number of clicks to analyze trends and administer the Site, track user's movement in the aggregate and gather broad demographic information for aggregate use. We use your IP address at times to help identify you as you browse and to gather broad technical and demographic information on who uses the Site.

Web Beacons

We may use standard internet technology, called Web Beacons (also called clear gifs, pixel tags or web bugs) that are tiny graphics with a unique identifier that are used to track online movements. Unlike cookies which are stored on the user's computer, a web beacon is embedded invisibly on a webpage (or email). Web beacons help us better manage content through the service by informing us what content and which campaigns are effective. This allows us and our participating third party partners to gauge the effectiveness of marketing campaigns by showing how many emails the recipients have opened or by sending/receiving an anonymous identification number when you travel to a site from an online advertisement. We do not tie clear gifs to personally identifiable information.

How We Use Your Information

In general we may use information we collect about you to:

-Provide the products and services that you have requested;
-Perform research and analysis about your use of, or interest in our products, services, content, or the products, services, or content offered by third parties;
-Communicate with you via email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or third parties;
-Develop and display content and advertisement tailored to your interests on our site and other sites;
-Verify your eligibility to receive products and/or services;
-Enforce our Terms of Service;
-Manage our business; and Perform functions as otherwise described to you at the time of collection.

For example, we may compare and review your personal information for errors, omissions, and accuracy based upon past usage and response; or compare your information against other publicly available files; or validate some of the personal information to verify that the information you submitted has a high probability of being valid information. Based upon your affirmative consent, as evidenced by your clicking on the applicable "submit" button, acknowledgment box, and/or your registration on a Site, we may use the information you provide to attempt to match you with providers of products and services (for example, using your zip code to check for service providers whose service area covers your location) and/or we may forward the information that you provided directly to certain of our third party partners.

Email and Telephone Calls: From time to time, we may contact you via e-mail advertising, telephone marketing, direct mail marketing, or other means to inform you of additional opportunities to receive special offers for other services and/or products that we believe may be of interest to you. By providing your contact information when using our service, you are entering into a business relationship with Vivify Financial Inc. and are further requesting, and expressly consenting to, being contacted by Vivify Financial Inc. via telephone, fax, email, surface mail, or any other means, at any of your contact numbers or addresses, even if you are listed on any federal, state or other applicable "Do Not Call" list, in order that Vivify Financial Inc. may provide the services set forth on the Site or for other purposes reasonably related to your service request and the business of Vivify Financial Inc., including marketing-related emails. You are under no obligation to accept any service or product offered through these communications. If you no longer wish to receive any e-mails from us, or if you want to modify your personal data or want your personal data removed from our database, you may cancel your registration at anytime and you may OPT OUT by following the opt out instructions provided herein.

SMS SERVICE

Vivify Financial Inc. may make available a service either directly or through third parties by which you can receive messages on your wireless device via short message service ("SMS Service"). Your provider's standard data and messaging rates apply to all SMS correspondence. All charges are billed by and payable to your mobile service provider. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.

Program subscribers may opt out of the SMS Service by replying with the keyword "STOP", "END", or "QUIT" to the SMS text message received or use the convenient Mobile Unsubscribe link on this website. This process impacts only the future delivery of Company's SMS message offering and will not unsubscribe you from other SMS programs to which you may have subscribed. Program subscribers may receive assistance for the SMS Service by replying with the keyword "HELP" to the message received.

Data obtained from you in connection with this SMS Service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. The use of this information will be in accordance with the Terms & Conditions and this Privacy Policy. If fees are charged to your wireless account invoice, Company may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. Company will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. Company is not responsible for incomplete, lost, late, damaged, illegible or misdirected mobile messages or for any technical problems, malfunctions of any telephone lines, computer systems, servers, providers, hardware/software, lost or unavailable network connections or failed, incomplete, garbled or delayed computer transmission or any combination thereof. Company is not responsible for any liability for damage to any computer system resulting from participation in or accessing or downloading information in connection with this program. Company assumes no responsibility for undeliverable mobile messages resulting from any form of active or passive mobile filtering by a user's mobile provider or for insufficient space in user's mobile phone account to messages. Company reserves the right, in its sole discretion, to cancel or suspend this program should a virus, bugs, or other causes beyond the control of the Company corrupt the administration, security or proper operation of the program. Company does not guarantee that your use of the SMS Service will be private or secure, and Company are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.

Service Providers

In order to provide the products or services you have requested, we may disclose the information we collect to companies that facilitate or provide elements of our service on our behalf, including without limitation, credit card processors, email management firms, and call center providers.

Other Purposes

We may also disclose your personally identifiable information when required by law, such as in response to a subpoena, court order, or other legal process, or to prevent imminent harm to any person or entity. We will fully cooperate with law enforcement agencies in identifying those who use our services for illegal purposes.

How We Protect Your Privacy

Security Measures

We follow generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee the security of any information you disclose online. By using this site, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this site and that any personal information, general information, or other data or information received from you through the site is provided to us at your own risk, which you expressly assume. If you have any questions about security on our Web site, you can mail us at the address indicated above in the Contact Us section. Our third party partners are required to operate in accordance with federal and state laws and regulations, including regulations relating to CAN-SPAM and rules promulgated by the FTC. If we learn that any of our third party partners is breaching our agreement, we will take corrective actions including, if necessary, terminate our relationship with such third party partner.

Opting Out

If you wish to opt-out from receiving additional email offers, advertisements and promotions relating to this Site, please click on this link to "opt-out". If you choose to opt-out, your e-mail address will be added to the suppression files associated with this Site within ten (10) business days of your request. Thereafter, you should not receive any further email offers, advertisements and promotions from this Site. However you may still receive promotional communications from our third party partners with whom we have shared your information. To stop receiving further communications from these third party partners you will need to contact them directly in order to opt-out. Please note that after we process your request to opt-out from receiving additional email offers, advertisements and promotions from this Site, we will no longer make your information available to our third party partners relating to this Site.

Effective Date and Notification of Changes to Privacy Policy

This Privacy Policy is effective as of the Effective Date stated at the beginning of this Privacy Policy and will remain in effect except with respect to any of its provisions that are changed in the future, in which case the changes will become effective on the date they are posted on the website or we otherwise notify you of the changes. We reserve the right to change this Privacy Policy at any time. You should check this policy periodically as its terms may change from time to time. Your continued use of the Site after we post any such modifications will constitute your acknowledgment of the modified policy and your agreement to abide and be bound by the modified policy. We will also revise the "last updated" date found at the beginning of this Privacy Policy when we post changes to it.

Special Notification for California Residents

Individual customers who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted through our Contact Us instructions.

Notification of Intellectual Property Rights Infringement

We are committed to uphold and respect intellectual property rights. If you are an intellectual property owner and believe that your rights have been infringed by materials on this webpage, please refer to the Contact Us section and we will ensure that your issue will be addressed by the appropriate parties within Vivify Financial Inc.. Please provide the following information in your correspondence to us: your name and contact information, identification of the copyrighted work claimed to be infringed, identification of the material that is claimed to be infringing, and sufficient information for us to locate the material. Please include with your correspondence, (i) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by you (copyright owner), your agent, or the law; (ii) a statement that the information you provided is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.