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Last updated: 2023-07-19

Effective Date: 2023-07-19

This Online Privacy Policy (“Policy”) covers how, myseniorsavingjournal.com treats your personal information and other information that we collect when you interact with our website or services.

WHAT IS PERSONAL INFORMATION?

Personal information is any information that can reasonably identify you as an individual, by itself or with other personal or identifiable information. We may collect information about you in a variety of ways depending on how you interact with us and our website, products, and services. The specific personal information that we collect, use, disclose, and sell depends on our relationship or interaction with you.

Personal Information We Collect Online

How do we collect personal information online?

We collect personal information from a variety of sources, including from you directly when you access certain portions of our website and complete the required information request form and/or otherwise provide such information to us, automatically through the use of cookies, server logs, and other similar technologies when you interact with our websites, and from other sources, including, for example, our affiliates, business partners, service providers, and other third parties, or from publicly available sources.

• Where you attempt to utilize the contact forms on our site, you may be required to submit, and we may collect, some or all of the following information: (a) your email address; (b) your full name; (c) your telephone number; (d) certain information pertaining to your desired healthcare goals; (e) certain information pertaining to your health, including Medicare status and eligibility to enroll in an insurance plan; and (f) any other information requested on the contact forms. Upon clicking on the applicable submission button on the website: (i) we may pass this information along to one or more of our partners; and (ii) you may be contacted by us and/or one or more of our partners regarding your request. Where we contact you in connection with your submission of personal information, our representatives may request additional information over the telephone including some or all of the following: (A) your date of birth; (B) your mailing address; (C) certain information pertaining to the your desired result; and (E) any other information requested by our applicable representative.

• We may collect certain personal information about you and your desktop computer and/or mobile device when you visit many of the pages of the website. This information may include the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your internet service provider (e.g., Verizon, AT&T). We use this information to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.

• We may use cookies or other technology to deliver more relevant advertising and to link data collected across other computers or devices that you may use. When you visit our website, we send one or more cookies and/or .gif files (collectively, “Cookies”) to assign an anonymous, unique identifier to your computer. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience on our site. We use Cookies to improve the quality of the Site Offerings, including for storing your preferences and tracking Site-User trends (such as pages opened and length of stay at the Site). We do not currently recognize Do Not Track requests or headers from your browser.

Use of Personal Information

Where you submit personal information, we use the information that you make available to personalize your experience with the site and to facilitate the delivery of the applicable services to you, including to respond to any inquiries you make.

We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience with the site, and/or to contact you when necessary in connection with your use of the site. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the site itself. We may also combine the information we have gathered about you with information from other sources.

We reserve the right to transfer and/or sell aggregate or group data about users of the site for lawful purposes. Aggregate or group data is data that describes the demographics, usage, and other characteristics of these users as a group, without disclosing personally identifiable information. To the extent we maintain and use personal information in a deidentified form, we will not attempt to reidentify the information, except for the purpose of determining whether our deidentification processes satisfy our legal obligations.

Disclosure of Personal Information

In addition to the specific situations discussed elsewhere in this Privacy Policy, we may disclose personal information in the following situations:

• Affiliates and Acquisitions. We may share information with our corporate affiliates (*e.g*., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or our assets, we will also share information with that company, including at the negotiation stage.

• Other Disclosures without Your Consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with relevant laws. We may also share your information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies, or to comply with your request for the shipment of products to or the provision of services by a third-party intermediary.

• Public. Some of our websites may provide the opportunity to post comments, or reviews, in a public forum. If you decide to submit information on these pages, that information may be publicly available. \[For example, some of our websites provide the opportunity to create gift registries. We share the information that you provide about your event (*e.g.*, name, date, location, etc.) with the public to permit others to search for that information.

• Partner Promotion. We may offer contests, sweepstakes, or other promotions with third party partners. If you decide to enter a contest, sweepstakes, or promotion that is sponsored by a third party partner the information that you provide will be shared with us and with them. Their use of your information is not governed by this privacy policy.

• Service Providers. We may share your information with service providers. Among other things service providers may help us to administer our website, conduct surveys, provide technical support, process payments, and assist in the fulfillment of orders.

• Other Disclosures with Your Consent. We may disclose your information to other third parties when we have your consent or direction to do so.

External Parties

• This Disclosure pertains only to our own privacy practices and does not extend to third-party service providers that we do not own or control. It's important to note that certain affiliates may have different privacy statements, which complement this Policy.

• We cannot be held accountable for the information practices of third parties, including those operating websites or services that our Services link to. Our inclusion of a link to a third-party feature does not indicate our or our affiliates' endorsement of the linked website or service. It's essential to review the applicable party's privacy policies and Terms of Service when you leave our Services or engage with a third-party feature to ensure you understand their information practices.

• Furthermore, we cannot be responsible for the information practices of other organizations such as Facebook, Apple, Google, Microsoft, Bing, or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer. This includes any Personal Information you directly disclose to other organizations or enable to be disclosed to other organizations via your device or browser preferences while using the Apps or social media pages.

This information is collected in order to process transactions, comply with laws, manage our business, or provide you with services. Note that we do not use such information for any purposes that are not identified within the California Privacy Rights Act Section 1798.121. We do not “sell” or “share” sensitive personal information for purposes of cross-context behavioral advertising.

Third-Party Websites

This site may contain links to third-party owned and/or operated websites including third-party providers with whom we work. In some cases, you may be able to make a purchase through one of these third-party websites and may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. If you visit or access one of these third-party websites, please review their online privacy and data collection practices. We are not responsible for the privacy practices or the content of such websites.

Additional Information for California Residents

In the past 12 months, we have collected and disclosed the following categories of Personal Information:

Category of Personal Information	Category of Recipients
	Disclosures for a Business Purpose	Sharing for Cross-Context Behavioral Advertising
Identifiers – this may include real name, alias, postal address, unique personal identifier, online identifier, email address, account name, or other similar identifiers.	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Health Related Information – this may include medical information, mental or physical condition or treatment, or health insurance information.	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Characteristics of protected classifications – this may include age, sex, race, ethnicity, physical, or mental handicap, etc.	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Commercial information – this may include information about products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Biometric information – this may include imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns, or rhythms, and sleep, health, or exercise data that contain identifying information	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Internet or other electronic network activity information – this may include browsing history, search history, and information regarding an individual's interaction with an internet website, application, or advertisement.	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Geolocation data	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Audio, electronic, visual, thermal, olfactory, or similar information	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Professional or employment-related information	Affiliates or subsidiaries Business partners Data analytics providers Data brokers Internet service providers Joint marketing partners Operating systems and platforms Other Service Providers Payment processors and financial institutions Professional services organizations, this may include auditors and law firms Social networks	Advertising networks
Inferences drawn from any of the information listed above
Additional categories of personal information described in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)) – this may include signature, physical characteristics, or description, insurance policy number.

 

California Sensitive Information Disclosure: We collect the following categories of sensitive personal information (as defined under California law):

• 1. Health information, such as current healthcare status, desired health benefits, and current plan information

• 2. Information related to the physical, physiological, or behavioral characteristics of an individual, such as biometric data, such as fingerprints, facial recognition data, and other similar data that is used to identify an individual based on their unique physical characteristics.

Your Choices

Some jurisdictions allow you to make the following choices about your personal information:

• You may request that we delete your personal information. If required by law, we will grant a request to delete information, but you should note that in many situations, we must keep your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for another business purpose.

• You may request that we disclose the categories and/or specific pieces of personal information collected and sold or confirmation that we have information about you. In certain circumstances, you may also request to receive access to your data in a portable, machine-readable format.

• We rely on you to update and correct your personal information. You may ask us to correct information that is inaccurate or incomplete. Note that we may keep historical information in our backup files as permitted by law.

• You may object to our use or disclosure of your personal information by contacting us at the address below.

• You may direct us not to sell or share your “personal information” (“Right to Opt-Out”).

• You may cancel promotional text messages at any time by replying STOP.

• You may opt-out or unsubscribe from receiving email and other forms of communications from us by: (a) follow the instructions included in the applicable email message or other communication; or (b) email us at: . Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for our services, as well as to respond to any inquiry or request you make. To opt-out of receiving these transactional response-related messages from us, you must cease requesting and/or utilizing the sites and services and/or cease submitting inquiries to Company, as applicable.

If you would like to exercise any of the above rights, you may do so by filling out this request form or calling us at (720) 307-1777.

Upon submission, you may be asked to verify your identity. If we are able to verify your request, we will respond within 45 days of your submission (or such additional time period as the law allows us).

In some circumstances, you may designate an authorized agent to submit requests to exercise certain privacy rights on your behalf. If you are an authorized agent submitting a request on behalf of an individual, you must attach signed permission indicating that you are able to act on another person's behalf.

We do not discriminate against any individual who chooses to exercise any of the above rights. If you disagree with how we handled a request, you may appeal our decision by contacting us with the subject line “Appeal.”

Protecting Your Information

We use reasonable and appropriate methods to protect your information. Please be advised, however, that no storage facility, technology, software, security protocols or data transmission over the internet or via wireless networks can be guaranteed to be 100% secure.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via email, letter, or phone call in the event of such a breach, if permitted by law.

Data Retention

We retain your personal information for only as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements, unless a longer retention period is required or permitted by law. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the information, the potential risk of harm from unauthorized use or disclosure of the information, the purposes for which we obtained the information and whether we can achieve those purposes through other means, as well as applicable legal requirements.

Children

Visitors under 18 years of age are not permitted to use and/or submit their personal information to our website. We do not knowingly solicit or collect information from visitors under 18 years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Updates to Our Privacy Policy

This Privacy Policy may be updated at any time and without prior notice to you to reflect changes in our personal information practices. We will indicate at the top of the policy when it was most recently updated. This policy was first effective in May 2022.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices in general, or if you need to access this Privacy Policy in an offline format, you may email us as at: [email protected]