Effective Date: March 15, 2018
A detailed explanation of how we collect, store, process, and share information offline or otherwise not through this Website and the Restore Channels is available here.
This Policy applies to information we collect on this Website and the Restore Channels; in email, text, and other electronic messages between you and our Website and Channels; and through our mobile applications. the policy does not apply to any information collected by us offline or through any other means; or by any third party, including through any application or content that may link to or be accessible from or on the Website or the Restore Channel.
COLLECTION OF INFORMATION
We collect nonpublic personal information about you in order to administer our business, process your transactions, understand your needs, and provide you with products and services.
We obtain nonpublic personal information about you from the following sources:
Any creditor/account-owner which we are affiliated with;
Information (such as your name, social security number, email address, telephone number, username, and password) you provide to us when registering on the website.
Information (such as amount of and parties to transactions) about any transactions with merchants participating in the Restore program that are credited to your Restore account; and Information we receive from other sources (such as any recipient(s) of Pay Off Credits that you may designate) in the process of establishing your Restore account.
You also may give us permission to access your information in other services. For example, you may login with your Facebook account. This will allow us to obtain information from that account (like your friends or contacts). The information we get from that service often depends on your settings or their privacy policies, so be sure to check what those are.
Web browser cookies. Our Site may use “cookies” to enhance your experience. If cookies are enabled, your web browser places cookies on your computer hard drive for record-keeping purposes and sometimes to track information about the sites you visit. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Website.
We may also collect information using Web beacons. Web beacons are electronic images that may be used on our Website or in our emails. We use Web beacons to deliver cookies, count visits, understand usage, and to tell if an email has been opened and acted upon.
HOW WE USE YOUR INFORMATION
We use information that we collect about you or that you provide to us, including any personal information:
to present our site and its contents to you;
to provide you with information, products or services that you request from us;
to fulfill any other purpose for which you provide it;
to provide you with notices about your account/subscription, including expiration and renewal notices;
to provide you with notices about your charged off account, including monthly payment requirement notices;
to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including refunds of Pay Off Credits;
to notify you about changes to our site or any products or services we offer or provide though it;
to allow you to participate in interactive features on our site;
to process and deliver contest entries and rewards;
in any other way we may describe when you provide the information; or
for any other purpose with your consent.
We Use your Personal Information for Marketing Unless You Opt-out (or live in certain states)
We will likely use your information to contact you about our own goods and services, or share it with our third-party partners so they can contact you about their goods and services, which may be of interest to you. To stop this sharing or marketing, or if you do not want us to use your information in this way, you can opt out by sending us an email at email@example.com. If you are a resident of California or Vermont, you will by default have opted out; as explained below, you may opt in.
Information Obtained From Third Parties
If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. For example, if you enroll in Restore, you will instruct the creditor/account owner to share your personal financial information with Restore to fulfill your request.
Sharing of your Information with Third Parties
We may disclose aggregated and anonymous information about our users and information that does not identify any individual. We do not share your personal information with third parties for the third parties' direct marketing purposes.
We may disclose your personal information as described in this policy:
To contractors, service providers, and other third parties to support our business. These parties are authorized to use your personal information only as necessary to provide these services to us.
To our subsidiaries and affiliates;
To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them;
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Restore’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by Restore about our site users is among the assets transferred;
To third parties with your prior consent to fulfill the purpose for which you provided it.
As part of a business transfer, if Restore is involved in a merger, acquisition, or sale of all or a portion of its assets, in which case you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personal information as well as any choices you may have regarding your personal information.
As required by law, such as to comply with a subpoena or similar legal process.
When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
If you wish to change your opt-out status, you can do so by email at firstname.lastname@example.org.
DISCLOSURE OF YOUR INFORMATION
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect or you provide for various reasons, including:
to fulfill the purpose for which you provide it;
for any other purpose disclosed by us when you provide the information;
with your consent;
to comply with any court order, law or legal process, including to respond to any government or regulatory request; or
if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Restore, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you have the right to request information from us regarding the manner in which Restore shares certain categories of personal information with third parties for their direct marketing purposes, in addition to the rights set forth above. Under California law, you have the right to send us a request at the designated address listed below to receive the following information:
The categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; and
The names and addresses of the third parties that received the information; and if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.
This information may be provided in a standardized format that is not specific to you. The designated email address for these requests is: email@example.com
Also, please note that we have not yet developed a response to browser “Do Not Track” signals, and do not change any of our data collection practices when we receive such signals. We will continue to evaluate potential responses to “Do Not Track” signals in light of industry developments or legal changes.
COMMUNICATIONS FROM OUR WEBSITE
We will occasionally send you information on new products, features or promotions. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the "Choice and Opt-out" section above. In addition, we may also send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.
CONFIDENTIALITY AND SECURITY
We take reasonable organizational, technical and administrative steps to help protect your information against loss, misuse, unauthorized access or disclosure. Unfortunately, no transmission or storage system can be guaranteed to be completely secure, and transmission of information via the internet is not completely secure. We also cannot protect financial or personal information that is not under our control.
We restrict access to nonpublic personally identifiable information about you to those employees determined by Restore to have a need to know the information. We maintain physical, electronic, and procedural safeguards to protect your information from unauthorized access by third parties.
LINKS TO OTHER WEBSITES
Our Website may feature links to third party websites that offer goods, services, or information. Some of these sites may appear as windows-within-windows at our Website. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other websites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.
MAINTAINING ACCURATE INFORMATION
We have a process in place that helps us to maintain the accuracy of the personally identifiable information that we collect. Please visit our Website at LetsRestore.com to review and correct information about yourself, such as a change in your name or contact information. If you believe that our information is inaccurate or incomplete, you also can contact us at the number or address listed at the end of this document and ask us to correct or update our information. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
CHILDREN UNDER THE AGE OF 13
Our site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this site or on or through any of its features, make any purchases through the site, use any of the interactive or public comment features of this site, or provide any information about yourself to us, including your name, address, telephone number, email address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13, we will delete that information. If you believe we might have any information from a child under 13, please contact us at .
CHANGES TO THIS POLICY
Restore refunds Pay Off Credits that are posted but not forwarded to the designated Recipient. Refunds are reconciled against earned Pay Off Credits and are not refunded to the member.