ACCEPTANCE OF PRIVACY POLICY

By accessing and using one of our consumer facing websites which offer a variety of goods and services and content and (collectively, the “Websites” and individually, a “Website”) that we own and operate, you signify your acceptance of this Privacy Policy and your agreement to the collection, use, disclosure, and sale of your Information as described herein. If you do not intend to agree to the terms of this Privacy Policy, DO NOT use the Websites. As set out below, the Privacy Policy is subject to change. Your continued use of the Websites following the posting of changes to these terms will confirm your acceptance of all changes made except for changes which expand the use of your Information where we will notify users by: (a) sending the modified Policy to our users via email or (b) any other reasonable means acceptable under applicable state and federal law. Please note if you are not a U.S. resident, you are not permitted to use the Websites and/or otherwise access any other offerings.

TYPES/CATEGORIES OF INFORMATION WE MAY COLLECT REGARDING USERS

Here are the types and categories of Information that we may collect regarding users

Information that could reasonably identify a user, such as name, postal address, email address(es), mobile/landline phone number(s), date of birth, and gender;

Information collected from a user’s responses to survey questions, including preferences, products and services of interest, personal attributes such as marital status, home or auto ownership, political affiliation, views on various issues, and responses to wellness questions, as further described below;

Information collected from our web server log files, including device type(s), user agent data, referring URL(s), and IP address(es);

Information collected from third parties or parties under common control (which includes our parent, subsidiaries, and other entities under common control with us – collectively “Related Parties”) to validate and augment a user’s profile including a user’s email address, postal address, telephone number, device ID, or other user Information.

Information collected from our Welcome Center (an affiliated call center), customer support department and fulfillment vendors, including customer support inquiries, claims related to “Rewards” (cash or merchandise provided to users of our rewards Websites) and emails and, as needed, proof of identification and completion of Reward requirements;

Information relating to a user’s interaction with telemarketing calls, SMS messaging, push notifications, commercial email, and other forms of communication;

Information collected by third parties regarding users’ interaction with our Site which may include the creation of a report and visual playback of the user responding to one or more survey questions and the interacting with the page that seeks to obtain a user’s “prior express written consent” (as defined in the Telephone Consumer Protection Act (“TCPA”)to receive telemarketing and text messages; and

Information collected from Cookies (as defined below), including whether a user has previously visited the Website or has opened an email sent by a Related Party ( a party owned by us or a party under common control with us) or one of our third-party marketing partners (together, “Marketing Partners”).

HOW WE COLLECT INFORMATION – SOURCES

We collect Information from and about users (see below for additional descriptions of the methods of Information collection that are provided to California residents) from the following sources:

Registration forms and surveys;

Emails, telephone calls, USPS mail, and other contacts received from users as part of customer service;

Publicly availably sources, such as Internet search engines;

Our hosting servers, which collect Information from users through various technological means when users access and interact with the Websites;

Third parties (including service providers) who assist us in hosting the Websites, providing customer support, and fulfillment;

Our Marketing Partners and third-party publishers, who may (a) send emails, push notifications, or SMS messages or make telemarketing calls to users, (b) drive users to the Websites, and/or (c) advertise goods and services on the Websites; and

Cookies (small text files placed on a user’s computer that track online behavior), web beacons (single-pixel GIF image files), and other technological means (collectively, “Cookies”).

We may combine Information collected from various sources to augment and verify Information to improve the overall quality of the Website experience.

HOW WE MAY USE INFORMATION

We may use Information in many ways and for many purposes, including the following

For Website operations, content improvements, testing, research, analysis, and product development;

To verify whether users are entitled to participate in the product or service and, if so, to facilitate the fulfillment of our responsibilities to the user;

To provide users with customer service and respond to customer inquiries;

To provide users with email, direct mail, and telemarketing messages concerning certain of our products and/or services, as well as third-party products and/or services, that we believe may be of interest to you;

To provide users with email alerts, text/SMS message alerts, and other communications that users have requested or consented to receive or that we are required to send concerning users’ registrations, our products or services, or other information;

To carry out our obligations and enforce our rights arising from any contracts entered into between users and us, including for purposes of our Arbitration Agreement and any inquiry specific to express written consent under the Telemarketing Sales Rule (“TSR”) and/or the TCPA (“TCPA Consent”);

To detect, investigate, and respond to any fraudulent or malicious activity or any other activity we determine is or may be a violation of one of our Website’s Terms and Conditions, this Policy, or existing laws, rules, and regulations;

As necessary or appropriate to protect the rights, property, and/or safety of us and our Marketing Partners, service providers, and Related Parties;

As described to you when collecting Information or as otherwise set forth in any applicable consumer protection, state or federal privacy, or data security laws;

To maintain suppression or opt-out lists so that users are not contacted when they have asked not to be;

To augment Information by enhancing it with other data sources provided by third parties and Related Parties to enable us, for example, to gain deeper insights into our users; and

To respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims, or when we determine it is necessary to comply with applicable laws and/or regulations.

We may share Information with applicable third party(ies) as necessary if we become the subject of bankruptcy proceedings, or in connection with the sale, assignment, merger, or other transfer of all or a portion of our business. If we are involved in any of these transactions, we will notify users via email or a Policy update on the Website regarding any material details pertaining to Information.

HOW WE MAY DISCLOSE AND/OR SELL INFORMATION

We may share and/or sell Information with our vendors, Marketing Partners, or other third party(ies). For example, we may disclose and/or sell information including:

With our vendors, service providers, and/or Marketing Partners in connection with marketing activities, including the delivery of email messaging, telemarketing calls, text/SMS messaging, and push notifications to users, provided that we have obtained TCPA Consent from such users to be contacted by telephone or text/SMS messaging;

With our interest-based Marketing Partners to create anonymized sets of Information which are made available for use by third-party Marketing Partners for programmatic advertising purposes;

With our Related Parties to augment and verify the Information we collect and to develop and enhance their products and services;

With one or more vendors who provide independent verification of consent, including verification of consent for purposes of the TSR and TCPA;

To enable third parties, including our Marketing Partners and data and list management partners, to market products and services to you;

To enable customer service vendors to perform their respective tasks, including for fulfillment of our responsibilities to users;

To enable our Information verification and fraud detection vendors to perform contracted-for services; and

To submit users’ contact information to comment and petition campaigns run by governmental agencies, elected officials, or other parties where users have provided their express consent to endorse and be a part of the campaign including, in some instances, appending the user contact information with specific comment language.

When we share and/or sell Information, we enter into agreements that describe the purpose for which the Information is shared/sold, restrict its use to the agreement’s specified purpose, and require that all Information remain confidential and be protected from unauthorized disclosure.

MINORS AND NON-US RESIDENTS

The Websites are designed to comply with the Children’s Online Privacy Protection Act (“COPPA”). COPPA requires that website operators not knowingly collect PII from anyone under the age of 13 without prior verifiable parental consent. In compliance with COPPA, we do not knowingly collect or retain information from the Website from children under the age of 13 and may only collect a limited amount of Information from users who are between the ages of 13 and 18. We do not sell the Information of users who are under eighteen (18) years of age.

The Websites are intended for use only by U.S. residents and the respective Website’s Terms and Conditions limit the use of the Websites to U.S. residents and instruct others not to utilize the Websites.

COOKIES, INTEREST-BASED ADVERTISING, AND THIRD-PARTY ANALYTICS

Our websites use Cookies to determine whether users have previously visited the Website and to streamline the registration process. Although we don’t use Cookies for other purposes, some of our third-party Marketing Partners may place Cookies on the Websites to track users’ online behavior while on the Websites and after they leave the Websites. These third-party Cookies may enable the delivery of interest-based advertisements (to find out more about Cookies, visit https://www.networkadvertising.org/understanding-online-advertising/glossary/ based on a user’s visit to the Websites and/or other websites. In addition, our Marketing Partners use Information gathered in this manner to recognize users across different channels and platforms, including computers, mobile devices, and Smart TVs. Our Marketing Partners may use this information over time for advertising, analytics, attribution, and reporting purposes. For additional information about the health-related, political, and related custom data segments used for advertising, please click here.

We may use Google Analytics and similar tools provided by our third-party partners to help analyze how users interact with the Websites and to display customized ads and other content to our users during a current browsing session or in the future when the user is online. These analytics are performed by using the technological means described above to monitor a user’s interactions with the Websites and do not involve the collection of any additional PII.

Most computers are initially set up to accept Cookies, but users can reset their Internet browsers to refuse all Cookies or to indicate when a Cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even where you reject a Cookie, you may still use the Website but your ability to use certain features or offerings may be impaired. For example, if you return to the Website, you may have to re-enter Information you previously supplied to us. We may retain Cookie data indefinitely.

Users may opt-out from interest-based advertising delivered to their web browser by companies who have elected to participate in one of the interest-based advertising opt-out mechanisms such as the Digital Adverting Alliance’s opt-out program located here or the National Advertising Institute’s opt-out program located here. Users may also choose to opt-out of interest-based advertising on their mobile devices. For more information, please click here.

Please note that opting out of interest-based advertising does not mean you will no longer see advertising online. Rather, it means that the company or companies from which you opt-out will no longer show ads that have been tailored to your interests.

ACCESSING, CORRECTING, AND DELETING YOUR INFORMATION

We may use Information provided by users for the purposes disclosed in this Privacy Policy until a user requests that their Information be modified, deleted, or corrected. All users who provide Information to us may request that we modify, delete, and/or correct their Information by contacting us here (see below for a description of the augmented rights with respect to accessing and deleting Information that are provided to California residents). We will respond to user requests within 45 days. If you request deletion of your Information, please note that your Information will be suppressed from further use as described in this Policy. However, please remember that if we have shared your information with our third-party Marketing Partners, you will need to contact those Marketing Partners individually to have them suppress or delete your personal information. Note that we may retain and use your Information as necessary to comply with our policies including legal obligations, dispute resolution, and enforcement of our agreements.

We ask individual users to identify themselves and the Information requested to be accessed, corrected, or deleted (suppressed) before processing such requests and, to the extent permitted by applicable law, we may decline to process requests that we are unable to verify, are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning Information residing on archive servers).

HEALTH AND WELLNESS INFORMATION

Our surveys may ask health and wellness-related questions. We may share your responses with our third-party Marketing Partners who advertise health and wellness-related products and services on the Websites, or who otherwise promote health and wellness-related products or services. We may also use this Information to display offers for health and wellness-related products and services to you. With your consent, we may provide Information to these providers so they can contact you. If you do not wish to share health and wellness-related Information, do not answer the health and wellness-related survey questions and do not provide TCPA Consent.

FINANCIAL AND EMPLOYMENT INFORMATION

Our surveys may ask questions related to your financial and/or employment status. We may share your responses with our third-party Marketing Partners who advertise finance and/or job-related products and services on the Websites, or who otherwise promote finance and/or job related products or services. We may also use this Information to display offers for finance and/or job-related products and services to you. With your consent, we may provide this Information to providers so they can contact you. If you do not wish to share this Information, do not answer the finance and/or job related survey questions and do not provide TCPA Consent.

MEDICARE SUPPLEMENT PLANS DISCLOSURE

Some of our Marketing Partners offer Medicare Supplement plans. Medicare Supplement plans are not connected with or endorsed by the U.S. Government or the Federal Medicare program. Our Marketing Partners have confirmed to us that all related optional marketing offers and deals on the Websites comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. With your consent, we may provide information to Medicare Supplement providers so they can contact you. If you do not wish us to share your Information, do not provide TCPA Consent.

THIRD-PARTY SITES

Our Websites contain links to other websites or services. When you link from the Websites to a third-party site, for example, when you link from a survey question, optional marketing offer, or Deal advertisement to another site, you are leaving the Website and are subject to the privacy policies and terms and conditions of those sites – NOT this Privacy Policy. We are not responsible for the privacy practices, content, or security of such third-party sites.

SECURITY OF YOUR INFORMATION

We use commercially reasonable efforts to prevent unauthorized access, disclosure, or accidental loss or destruction of your Information. Access to your Information is strictly limited and we take reasonable measures to ensure that your Information is not accessible to the public. We restrict access to users’ Information to only those persons who need access to perform or provide their job or service, both internally and with our third-party service providers.

We do not otherwise generally collect sensitive Information such as medical information, health insurance information, data collected from an automated license plate recognition system, Social Security Number, and credit card information. If and when we do collect, store, and transmit sensitive information, that Information will be encrypted with advanced TLS (Transport Layer Security).

While we have endeavored to create secure and reliable Websites for users, we are not able to fully eliminate security risks associated with Information. Given the nature of the Internet, your Information passes through entities that we are unable to control. Therefore, we cannot guarantee that our security measures or those of third parties who access or transmit your Information will prevent your Information from being improperly accessed, stolen, or altered. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies if we learn of an information security breach of your Information. You will be notified via email in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

CHANGES TO THIS POLICY

We reserve the right to revise and update this Policy at any time. If we make material changes to this Policy, we will post the updated Policy on our Websites. Any such revisions will be effective thirty (30) days after posting to the Websites and will apply to all Information collected by us both before and following the effective date. If we expand the way we use Information, we will notify users by: (a) sending the modified Policy to our users via email or (b) any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether we use your Information in this different manner and we will only use your Information in this way where you opt-in to such use. Users should periodically access this Policy to review our current policies regarding the collection and use of Information.

QUESTIONS, SUGGESTIONS, OR TO CONTACT US

If you have any questions, comments, complaints, or suggestions regarding this Policy or the Website, please contact us here.