Privacy Policy - Oak Tree Finance

Oak Tree Finance, LLC Privacy Policy

Effective Date: August 2021

Oak Tree Finance, LLC, a North Carolina limited liability company (“Company”), provides users with the ability to read information about the products and services provided by the Company. Our privacy policy (“Privacy Policy”) covers your access and use of www.oaktf.com or any other website we own or otherwise control (collectively, the “Website”). The Website includes general information available to any visitor (collectively, the “Public Site”) as well as services we provide to registered users in connection with our products and services, including the collection and processing of personal information (“Services”).

SCOPE

We are a private company, established in the United States, registered at 1027 US 70 Hwy W, Suite 109, Garner, NC 27529 United States (“Physical Notice Address”) with the contact email address info@oaktf.com (“Email Notice Address”) and for the purposes of the General Data Protection Regulation (“GDPR”) we are the data controller.

In addition, please review our Terms of Service (“Terms”) which governs your use of the Website and all Services. By using the Website and Services, you acknowledge that you have read and understood our Privacy Policy and our Terms and accept our collection, use and disclosure of your information and data, and other activities, as described below. If you do not agree to the terms of this Privacy Policy, please do not use the Services.

Certain parts of the Privacy Policy apply only to the Public Site, and certain parts apply only to the Services. The Privacy Policy is designed to help you understand how we collect, use and share personal information and to assist you in exercising the privacy rights available to you. Any capitalized terms used and not defined in this Privacy Policy will have the same meaning as provided in the Terms of Service.

I. PERSONAL INFORMATION WE COLLECT

We will inform you when we need information that personally identifies you (personal information) or allows us to contact you or provide you with the Services. Generally, this information is requested when you register for an account in order to use our Services or when you fill out our contact form on our Public Site, or sign up to receive information from us.

The categories of personal information we collect depend on your relationship with us and the requirements of applicable law.

Information You Provide to Us.

Account Creation: When you create an account, we collect information about you and anyone else for whom you supply us with information such as your name, address, email address, date of birth, name and contact information for someone to contact if we are unable to reach you, and your user name, and password.

Your Communications with Us. We collect personal information from you, and anyone else you authorize to have access to your account, such as email addresses, phone numbers, or mailing address when you request information about our Services, request customer or technical support, apply for a job or otherwise communicate with us.

Surveys, Questionnaires, and Other Questions. We may contact you to participate in surveys and/or respond to questionnaires and other questions. If you decide to participate, you may be asked to provide certain information which may include personal information.

Social Media Content. We may offer forums, blogs, or social media pages (e.g. Instagram and Facebook). Any content you provide on these channels will be considered “public” and is not subject to privacy protections regardless of whether you have an account with us.

Conferences, Trade Shows, and other Events. We may attend conferences, trade shows, and other events where we collect personal information from individuals who interact with or express an interest in us and/or the Services including, without limitation, partners with whom you have shared personal information (e.g. car dealership). If any information is provided to us at one of these events, we will use it for the purposes for which it was collected.

Information Collected Automatically

Automatic Data Collection. We may collect certain information automatically when you use the Services. This information may include your Internet protocol (IP) address, user settings, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, details about your browser, operating system or device, location information, Internet service provider, pages that you visit before, during and after using the Services, information about the links you click, and other information about how you use the Services. Information we collect may be associated with accounts and other devices.

In addition, we may automatically collect data regarding your use of our Services, such as the types of content you interact with and the frequency and duration of your activities. We may combine your information with information that other people provide when they use our Services.

Cookies, Pixel Tags/Web Beacons, Analytics Information, and Interest-Based Advertising technologies. We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies (“Technologies”) to automatically collect information through the Services. Technologies are essentially small data files placed on your computer, tablet, mobile phone, or other devices that allow us and our partners to record certain pieces of information whenever you visit or interact with our Services.

Cookies. Cookies are small text files placed in visitors’ computer browsers to store their preferences. Most browsers allow you to block and delete cookies. However, if you do that, the Services may not work properly.
Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded in the Services that collects information about users’ engagement on that web page. The use of a pixel allows us to record, for example, that a user has visited a particular web page or clicked on a particular advertisement.

Analytics. We may also use Google Analytics and other service providers to collect information regarding visitor behavior and visitor demographics on our Services. For more information about Google Analytics, please visit www.google.com/policies/privacy/partners/. You can opt out of Google’s collection and processing of data generated by your use of the Services by going to http://tools.google.com/dlpage/gaoptout.

Location-Based Information. In connection with use of our Services we may use location-based services in order to verify your location and, if we deem appropriate, deliver relevant content and ads based on your location. We also share your location with third-parties (as set out below) as part of the location-based services we offer and for other commercial purposes. You, or a person designated by you (e.g. spouse, sibling, friend, etc.), can change the settings on your device to prevent it from providing us with such information. This location data is collected in a form that personally identifies you and will be used by us and our partners and licensees to provide and improve the Services or for other commercial purposes. You should consider the risks involved in disclosing your location information and adjust your mobile and browser settings accordingly.

Information Collected from Other Sources

We may obtain information about you from other sources with whom you interact, or other third parties to supplement information provided by you (e.g. car dealer, background check for which you have consented to). For example, if you access our Services through a third-party application, such as a social networking site (e.g. Instagram, Facebook, etc.), we may collect information about you from that third-party application that you have made public via your privacy settings. Information we collect through these services may include your name, your user identification number, your user name, location, gender, birth date, email, profile picture, and your contacts stored in that service. This supplemental information allows us to verify information that you have provided to us and to enhance our ability to provide you with information about our business, products, and Services.

II. HOW WE USE PERSONAL INFORMATION

We use personal information for a variety of business purposes, including to:

Analyze and improve our Services pursuant to our legitimate interest, such as:

Managing risk, or to detect, prevent, security incidents and/or remediate fraud or other potentially prohibited malicious, deceptive, fraudulent or illegal activity, and prosecuting those responsible for that activity;
Manage and protect our information technology infrastructure;
Measuring interest and engagement in our Services and short-term, transient use, such as contextual customization of ads;
Undertaking research for technological development and demonstration;
Researching and developing products, services, marketing or security procedures to improve their performance, resilience, reliability or efficiency;
Improving, upgrading or enhancing our Services;
Developing new products and Services;
for internal business purposes;
Ensuring internal quality control;
Verifying your identity and preventing fraud;
Debugging to identify and repair errors that impair existing intended functionality;
Enforcing our terms and policies;
for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy; and
Complying with our legal and regulatory obligations, protecting your vital interest, or as may be required for the public good.

Provide you with additional content and Services, such as:

Emails, engagement via SMS, etc. with opportunities to engage and share information (e.g. reminders to record and share symptoms) or otherwise furnish you with customized materials about offers, products, and Services that may be of interest, including new content or Services, including those on behalf of third-parties we engage with;
Auditing relating to interactions, transactions and other compliance activities; and
Other purposes you consent to, are notified of, or are disclosed when you provide personal information.

Use De-identified and Aggregated Information. We may use personal information and other data about you to create de-identified and aggregated information, such as de-identified demographic information, de-identified location information, information about the computer or device from which you access our Services, or other analyses we create.

Share Content with Family and Friends. Our Services may offer various tools and functionalities. For example, we may allow you to provide information about you or your family and friends through our referral services. Our referral services may allow you to forward or share certain content with a family member or friend, such as an email inviting such family member or friend to use our Services for which you may be eligible to receive a referral bonus.

Process Information on Behalf of Our Customers (as processors). Our customers may choose to use our Services to process certain data of their own, which may contain personal information. The data that we process through our Services is processed by us on behalf of our customer, and our privacy practices will be governed by the contracts that we have in place with our customers, not this Privacy Policy.

If you have any questions or concerns about how such data is handled or would like to exercise your rights, you should contact the person or entity (i.e., the data controller) who has contracted with us to use the Service to process this data. Our customers control the personal information in these cases and determine the security settings within the account, its access controls and credentials. We will, however, provide assistance to our customers to address any concerns you may have, in accordance with the terms of our contract with them. For a list of our sub-processors, contact us as describedbelow.

How We Use Automatic Collection Technologies. We, as well as third parties that provide content, advertising, or other functionality on the Services, may use cookies, pixel tags, local storage, and other technologies to automatically collect information through the Services. Our uses of these Technologies fall into the following general categories:

Operationally Necessary. This includes Technologies that allow you access to our Services, applications, and tools that are required to identify irregular site behavior, prevent fraudulent activity and improve security or that allow you to make use of our functionality;
Performance Related. We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how our visitors use the Services;
Functionality Related. We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed;
Advertising or Targeting Related. We may use first party or third-party Technologies to deliver content, including ads relevant to your interests, on our Services or on third party sites.

Cross-Device Tracking. Your browsing activity may be tracked across different websites and different devices or apps. For example, we may attempt to match your activity on your mobile device with your activity on your laptop. To do this our technology partners may share data, such as your browsing patterns, geo-location and device identifiers, and will match the information of the browser and devices that appear to be used by the same person.

Notice Regarding Third Party Websites, Social Media Platforms and Application Programming Interfaces (APIs). The Services may contain links to other websites, and other websites may reference or link to our website or other Services. These other websites are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen or approve and are not responsible for the privacy practices or content of such other websites or applications. Visiting these other websites or applications is at your own risk.

Our Services may include publicly accessible blogs, forums, social media pages, and private messaging features. By using such Services, you assume the risk that the personal information provided by you may be viewed and used by third parties for any number of purposes. In addition, social media buttons such as Twitter, Instagram and Facebook (that might include widgets such as the “share this” button or other interactive mini-programs) may be on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. These social media features are either hosted by a third party or hosted directly on our site. Your interactions with these features apart from your visit to our site are governed by the privacy policy of the company providing it.

We may use third party APIs as part of the functionality of our Services. APIs may allow third parties including analytics and advertising partners to collect personal information for various purposes including to provide analytics services and content that is more relevant to you. For more information about our use of APIs, please contact us as set forth below.

III. DISCLOSING PERSONAL INFORMATION TO THIRD PARTIES

Except as provided below, we do not sell your personal information.

Other than in response to a specific request from a consumer that we share personal information, we have not sold or disclosed consumers’ personal information in the preceding 12 months.

Service Providers. We may share any personal information we collect about you with our third-party service providers. The categories of service providers (processors) to whom we entrust personal information may include: IT and related services; hosting; payment processors; customer service providers; and vendors to support the provision of the Services. These companies are authorized to use your information only as necessary to provide these Services and to assist with supporting our users.

Business Partners. We may provide personal information to business partners with whom we jointly offer products or services.

Affiliates. We may share personal information with our affiliated companies.

Advertising Partners. Through our Services, we may allow third party advertising partners to set Technologies and other tracking tools to collect information regarding your activities and your device (e.g., your IP address, mobile identifiers, page(s) visited, location, time of day). We may also combine and share such information and other information (such as demographic information and past purchase history) with third party advertising partners. These advertising partners may use this information (and similar information collected from other websites) for purposes of delivering targeted advertisements to you when you visit third party websites within their networks. This practice is commonly referred to as “interest-based advertising” or “online behavioral advertising. We may allow access to other data collected by the Services to share information that may be useful, relevant, valuable or otherwise of interest to you. If you prefer not to share your personal information with third party advertising partners, you may follow the instructions below.

Disclosures to Protect Us or Others. We may access, preserve, and disclose any information we store associated with you to external parties if we have been authorized by you or, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.

Disclosure in the Event of Merger, Sale, or Other Asset Transfers. If we are involved in a merger, acquisition, change of control, financing due diligence, purchase or sale of assets, or transition of service to another provider, then your information may be sold, transferred, or otherwise assigned as part of such a transaction, as permitted by law and/or contract. In the unlikely event of Company’s bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, Company may not be able to control how personal information is treated, transferred, or used.

IV. YOUR CHOICES

General

You have certain choices about your personal information. Where you have consented to the processing of your personal information, you may withdraw that consent at any time and prevent further processing by contacting us as described below. Even if you opt out, we may still collect and use non- personal information regarding your activities on our Services and for other legal purposes as described above.

Email Communications

If you receive an unwanted email from us, you can use the unsubscribe link we generally include at the bottom of one of our emails to opt out of receiving future emails or you may contact us at our Email Notice Address with the “Opt-Out” as the subject line or mail us a letter to us at our Physical Notice Address. You must include your full name, email address, and postal address in your request.

Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding the Services or updates to our Terms or this Privacy Policy).

Mobile Devices

We may send you push notifications through our mobile application. You may at any time opt- out from receiving these types of communications by changing the settings on your mobile device. We may also collect location-based information if you use our mobile applications. You may opt-out of this collection by changing the settings on your mobile device.

“Do Not Track”

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

California Do Not Track Disclosures. Various third-parties are developing or have developed signals or other mechanisms for the expression of consumer choice regarding the collection of information about an individual consumer’s online activities over time and across third-party websites or online services (e.g., browser do not track signals). Currently, we do not monitor or take any action with respect to these signals or other mechanisms.

Cookies and Interest-Based Advertising

You may stop or restrict the placement of Technologies on your device or remove them by adjusting your preferences as your browser or device permits. The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy, at www.networkadvertising.org/managing/opt_out.asp, http://www.youronlinechoices.eu/, https://youradchoices.ca/choices/, and www.aboutads.info/choices/. To separately make choices for mobile apps on a mobile device, you can download Digital Advertising Alliance AppChoices application from your device’s app store. Alternatively, for some devices you may use your device’s platform controls in your settings to exercise choice.

Please note you must separately opt out in each browser and on each device. Advertisements on third party websites that contain the AdChoices link may have been directed to you based on information collected by advertising partners over time and across websites. These advertisements provide a mechanism to opt out of the advertising partners’ use of this information for interest-based advertising purposes.

Your Privacy Rights

In accordance with applicable law, you may have the right to request:

Access to/Portability of Personal Data about you consistent with legal requirements. In addition, you may have the right in some cases to receive or have your electronic Personal Data transferred to another party.
Correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you, or a person designated by you (e.g. spouse, sibling, friend, etc.), to update your personal information or we may refer you to the controller of your personal information who is able to make the correction.
Deletion of your personal information, subject to certain exceptions prescribed by law.
Restriction of or object to processing of your personal information, including the right to opt in or opt out of the sale of your Personal Data to third parties, if applicable, where such requests are permitted by law.

California Specific Privacy Rights. This section applies with respect to any users located in the State of California. For California residents, pursuant to the California Consumer Privacy Act of 2018, as amended (“Consumer Privacy Act”), you may (i) elect to opt out of the sale of your “personal information” (as defined by the Consumer Privacy Act) by Company, (ii) request that Company and its service providers delete any of your personal information collected, (iii) request that Company deliver to you, free of charge, any of your personal information collected over the past 12 months preceding the request, and (iv) request certain information regarding any collection, sale, and disclosure of your personal information over the past 12 months preceding the request (including the categories of personal information collected, sold, and/or disclosed for a business purpose, the categories of sources from which the information was collected, the business or commercial purpose for collecting or selling the information, the categories of third parties with whom the information was shared, and the specific pieces of the information collected).

You may opt out of the sale of your personal information by using the following links: DO NOT SELL MY PERSONAL INFORMATION. Requests may be submitted and the foregoing rights may be exercised upon notice to us at, and questions or concerns about this Privacy Policy may be directed to, at our Email Notice Address with “California Privacy Rights” as the subject line or mail us a letter to us at our Physical Notice Address. You must include your full name, email address, and postal address in your request.

Company will honor these rights to the extent required by the Consumer Privacy Act. Any requests submitted must be verified by us before we will respond, and to enable this verification we may require you to provide us information confirming your identity, which may include any user name or password information, and the personal information matching that which we have in our records. You may submit requests through an authorized agent given authority through a power of attorney form or other authorization acceptable to and verified by us. Company will not discriminate against users based on their exercise of any of the rights under the Consumer Privacy Act, provided that Company may charge different prices to users based on the value of the data they provide.

The types of personal information collected in the last 12 months and how this information has been shared are as described in this Privacy Policy.

In addition, you are a California resident, you have the right not to receive discriminatory treatment by us for the exercise of your rights conferred by the CCPA.

Nevada Privacy Rights – “Do Not Sell My Personal Information”. We may elect to share information about you with third-parties for those third-parties’ direct marketing purposes. Nevada Revised Statutes §§ 603A.300-.360 permits Nevada residents who have supplied personal information (as defined in the law) to us to, under certain circumstances, request and opt out of the sale of your personal information to third-parties for their direct marketing purposes. If this law applies to you, and you wish to make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a Nevada resident and provide a current Nevada address for our response. To make such a request, please contact us at our Email Notice Address with “Nevada Privacy Rights” as the subject line or mail us a letter at our Physical Notice Address. You must include your full name, email address, and postal address in your request.

V. DATA RETENTION

General Storage

We store the personal information we receive as described in this Privacy Policy for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

VI. STANDARD CONTRACTUAL CLAUSES

To the extent Company has agreements in place with any affiliates or subprocessors, each who may have access to the personal data, such agreements shall incorporate the EU Commission approved Standard Contractual Clauses (“Standard Contractual Clauses”).

VII. DATA TRANSFERS

Onward Transfer. Company will not disclose any personally identifiable information to a third party who is not a Company contractor or agent (“Agent”) except as outlined above. For third parties acting as an Agent, Company will ascertain that the third party follows the Standard Contractual Clauses, is subject to the EU Data Protection Directive, or has entered into an agreement with Company that is consistent with the applicable or required principles.

In the context of an onward transfer, Company has responsibility for the processing of personal information it receives under the Standard Contractual Clauses and subsequently transfers to an Agent on its behalf. Company shall remain liable under the Standard Contractual Clauses if its Agent processes such personal information in a manner inconsistent with such principles, unless Company proves that it is not responsible for the event giving rise to the damage.

Data transfer to other controllers. Principally, your any personally identifiable information is forwarded to other controllers only if required for the fulfillment of a contractual obligation, or if we ourselves, or a third party, have a legitimate interest in the data transfer, or if you have given your consent. Additionally, data may be transferred to other controllers when we are obliged to do so due to statutory regulations or enforceable administrative or judicial orders

Service providers (general). We involve external service providers with tasks such as sales and marketing services, contract management, payment handling, programming, data hosting, and hotline services. We have chosen those service providers carefully and monitor them on a regular basis, especially regarding their diligent handling of and protection of the data that they store. All service providers are obliged to maintain confidentiality and to comply with the statutory provisions. Service providers may also be our affiliates.

VIII. SECURITY OF YOUR INFORMATION

We take steps to ensure that your information is treated securely and in accordance with this Privacy Policy. Unfortunately, no system is 100% secure, and we cannot ensure or warrant the security of any information you provide to us. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized disclosure.

By using the Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services, by mail or by sending an e-mail to you.

You also have a significant role in protecting your information. Only you, or a person designated by you (e.g. spouse, sibling, friend, etc.) should edit your personal information. As such, except as otherwise described herein, do not share your user name and password with others.

IX. CHILDREN’S INFORMATION

While most of the Services are directed as protecting children, the Services themselves are not marketed to children under 17 or other age as required by local law (“Approved Age”), and we do not knowingly collect or maintain information acquired through our Website from children under the Approved Age. Any user under the Approved Age should not use or access our Website at any time or in any manner. If you learn that your child has provided us with personal information without your consent, you may contact us as set forth below. If Company learns that personally identifiable information of persons less than the Approved Age has been collected from our site without verified parental consent, then Company will take the appropriate steps to delete such information and terminate the child’s access.

X. USERS OUTSIDE THE UNITED STATES

(a) Transfer of Your Information. Our Services, including our marketing efforts, are operated in and primarily focused on and intended for users located in the United States. We do expect some of our marketing efforts to occur in Canada as well as in the European Union, however most of our efforts and provision of Services are not and will not be, in any material manner, focused on users located outside of the United States.

If you are located outside of the United States please be aware that information we collect, including personal information, will be transferred to, and processed, stored and used in the United States in order to provide the Services to you. Where GDPR applies and our processors of your personal information are located outside the European Economic Area, such transfer will only be to a recipient country that ensures an adequate level of data protection, or with your explicit consent.

(b) Additional Rights Provided to EU Individuals.

Access and Portability: You have the right to ask us to access the information we hold about you, including personal information, and be provided with certain information about how we use your such information and who we share it with. Where you have provided your personal information to us with your consent, you have the right to ask us for a copy of this data in a structured, machine readable format, and to ask us to share (port) this data to another data controller.

Right to deletion: In certain circumstances, you have the right to ask us to delete personal information we hold about you:
- where you believe that it is no longer necessary for us to hold your data including personal information;
- where we are processing your personal information on the basis of legitimate interests and you object to such processing and we cannot demonstrate an overriding legitimate ground for the processing;
- where you have provided your personal information to us with your consent and you wish to withdraw your consent and there is no other ground under which we can process your personal information; or
- where you believe the personal information we hold about you is being unlawfully processed by us.

Restriction: In certain circumstances, you have the right to ask us to restrict (stop any active) processing of your personal information:
- where you believe the personal information we hold about you is inaccurate and while we verify accuracy;
- where we want to erase your personal information as the processing is unlawful, but you want us to continue to store it;
- where we no longer need your personal information for the purposes of our processing, but you require us to retain the data for the establishment, exercise or defense of legal claims; or
- where you have objected to us processing your personal information based on our legitimate interests and we are considering your objection.

In addition, you can object to our processing of your Personal Information based on our legitimate interests and we will no longer process your Personal Information unless we can demonstrate an overriding legitimate ground.

To exercise any of these rights above, please contact us at our Email Notice Address.

Please note that these rights are limited, for example, where fulfilling your request would adversely affect other individuals, where there are overriding public interest reasons, or where we are required by law to retain your personal information.

You can withdraw your consent at any time by contacting us at our Email Notice Address.

Complaints: In the event that you wish to make a complaint about how we process your Personal Information, please contact us in the first instance at our Email Notice Address and we will endeavor to deal with your request as soon as possible. This is without prejudice to your right to raise a complaint with a relevant supervisory authority.

XI. Governing Law and Jurisdiction.

Any questions or concerns regarding the use or disclosure of personal information should be directed to Company pursuant to the Physical Notice Address. Company will investigate and attempt to resolve complaints and disputes regarding use and disclosure of personal information in accordance with the principles contained in this Privacy Policy.

Any claims relating thereto will be governed by the laws of the State of North Carolina, excluding the application of its conflicts of law rules. You agree that any controversy or claim arising out of or relating to this Privacy Policy, or the breach thereof, shall exclusively be brought in a state or federal court located in Wake County, North Carolina.

XII. CHANGES TO OUR PRIVACY POLICY

We may revise this Privacy Policy from time to time in our sole discretion. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law. You understand and agree that you will be deemed to have accepted the updated Privacy Policy if you, or a person designated by you (e.g. spouse, sibling, friend, etc.), continue to use the Services after the new Privacy Policy takes effect.

XIII. CONTACT US

If you have any questions about our privacy practices or this Privacy Policy, or if you wish to submit a request to exercise your rights as detailed in this Privacy Policy, please contact us at our Email Notice Address or our Physical Notice Address.