Refund Talk Networks
Last Updated: October 29, 2017
Refundtalk Networks knows that you care about how your personal information is used and shared, and we take your privacy very seriously. Please read the following to learn more about our privacy policy (this “Privacy Policy”). In addition, please read our terms of service (the “Terms of Service”). By visiting or using one of our network of websites, applications, products, software, data feeds, and services provided to you by Refundtalk (collectively, the “Service”), or viewing our Content (“Content” includes the text, software, scripts, graphics, photos, sounds, music, videos, audiovisual combinations, interactive features and other materials you may view on, access through, or contribute to the Service), you are accepting the practices outlined in this Privacy Policy. If you do not agree to the collection and use of information from or about you in accordance with this Privacy Policy and our Terms of Service, then you may not use the Service.
This Privacy Policy covers our treatment of personal information that we gather when you visit or use our Service. This Privacy Policy does not apply to the practices of third parties that we do not own or control, or to individuals that we do not employ or manage. The Service may contain links to third party websites that are not owned or controlled by us. We have no control over and assume no responsibility for, the content, privacy policies, or practices of any third party websites. In addition, we will not and cannot censor or edit the content of any third-party site. By using the Service, you expressly relieve Refundtalk from any and all liability arising from your use of any third-party website.
- Information Collected by Us.
We only collect personal information that is relevant to the purpose of the Service. This information allows us to provide you with a customized and efficient experience. We do not process this information in a way that is incompatible with this objective. We collect the following types of information from users of the Service:
- Information You Provide to Us. We receive and store any information you enter on the Service or provide to us in any other way. For instance, we may collect information you provide to us if you register on the Service, respond to surveys, contact us through customer service or by other means, or participate in promotions that we may offer from time to time. You can choose not to provide us with certain information, but then you may not be able to take advantage of many of our special features.
- Automatic Information.
- We receive and store certain types of information whenever you interact with the Service. Refundtalk, and our authorized agents, automatically receive and record certain “traffic data” on server logs, including your IP address, cookie information, the page you requested, device and software characteristics (such as type and operating system), location, activity on the Service, ad data, referral URLs, device identifiers or other unique identifiers such as advertising identifiers (e.g., “ad-ID” or “IDFA”).
- This traffic data is used to help diagnose problems with servers, analyze trends and administer the Service.
- We may collect and, on any page, display the total counts that page has been viewed.
- Many companies offer programs that help you to visit or use the Service anonymously. While we will not be able to provide you with a personalized experience if we cannot recognize you, we want you to be aware that these programs are available.
- E-mail Communications.
We are very concerned about your privacy and we will never provide your email address to a third party without your explicit permission, as detailed in the “Sharing Your Information” section below. We may send out e-mails with Refundtalk-related news, products, offers, surveys or promotions.
- Cookies and Similar Technologies.
Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in the Service are visited and by how many people. Our cookies do not collect personal information, and we do not combine information collected through cookies with other personal information to tell us who you are or your screen name or e-mail address.
The “help” portion of the toolbar on the majority of browsers will direct you on how to prevent your browser from accepting new cookies, how to command the browser to tell you when you receive a new cookie, or how to fully disable cookies. We recommend that you leave the cookies activated because cookies allow you to use some of the coolest features of the Service.
In addition to cookies, we may use other technologies such as web beacons or pixel tags, which can be embedded in web pages, videos, or emails, to collect certain types of information from your browser, check whether you have viewed a particular web page or email message, and determine, among other things, the time and date on which you viewed the Content, the IP address of your computer, and the URL of the web page from which the Content was viewed.
- Third Party Advertising and Statistics – Choices.
We use third-party advertising companies to serve ads when you visit or use the Service. These companies may use information (not including your name, address email address or telephone number) about your visits and use of the Service in order to provide advertisements about goods and services of interest to you.
In addition, we allow third parties to monitor the Service for the purpose of reporting traffic, statistics, advertisements, “click-throughs” and/or other activities, and such third parties may use cookies, web beacons and other monitoring technologies to compile aggregate and anonymous statistics about our users.
- Google Analytics.
We use Google Analytics (“Google Analytics”), a web analytics service provided by Google Inc. (“Google”). Google Analytics uses “cookies.” The information generated by the cookies about your use of the Service (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Service, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this, you may not be able to use the full functionality of the Service. More information about how you can opt-out is in Section 6 (Do Not Track Disclosures) below. By using the Service, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
- Do Not Track Disclosures.
We may also use tracking technologies to collect information about your visits over time and across third-party websites or other online services. If you would like more information about this practice and to know your choices about not having this information used by these companies and to opt-out of most third-party tracking, you may go to:
http://www.networkadvertising.org/choices/ or
http://www.aboutads.info/choices/
- Sharing Your Information.
We neither rent nor sell your personal information to anyone and we will share your personal information only as described below.
- Personnel. Our personnel and authorized consultants and/or contractors may have access to user information if necessary in the normal course of our business.
- Business Transfers. In some cases, we may choose to buy or sell assets. In these types of transactions, user information is typically one of the business assets that may be transferred. Moreover, if the Service or Refundtalk, or substantially all of its assets, were acquired, user information would be one of the assets that is transferred.
- Protection of Refundtalk and Others. We may release personal information when we believe in good faith that release is necessary to comply with a law; to enforce or apply our Terms of Service and other policies; or to protect the rights, property, or safety of Refundtalk, our employees, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
- Syndication. We allow for the RSS syndication of public Content from the Service.
- Security of Your Information.
- Security Measures. We have put in place physical, electronic, and managerial procedures designed to help prevent unauthorized access, to maintain data security, and to use correctly the information we collect online. These safeguards vary based on the sensitivity of the information that we collect and store.
- No Security Guarantees. Although we take appropriate measures to safeguard against unauthorized disclosures of Information, we cannot assure you that Information will never be disclosed, altered or destroyed in a manner that is inconsistent with this Privacy Policy.
- Children Under 13 Years of Age.
The Service is not directed to children. You must be 13 years and older to register to use the Service. As a result, we do not knowingly collect information from children under the age of 13. If we learn that information has been collected from a child under the age of 13, we will delete that information as quickly as possible. We recommend that minors between the ages of 13 and 18 ask and receive their parents’ permission before using the Service or sending information about themselves or anyone else over the Internet.
- California Privacy Rights.
If you are a California resident, you may have certain additional rights. California Civil Code Section 1798.83 permits you to request information regarding the disclosure of your personal information by us to third parties for the third parties’ direct marketing purposes. California Business and Professions Code Section 22581 permits registered users who are minors to request and obtain deletion of certain posted content. To make any such requests, please send an email to support@refundtalk.com.
- Changes to this Privacy Policy.
We may amend this Privacy Policy from time to time, at our sole discretion. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make changes to the Privacy Policy, we will notify you by posting an announcement on our website so you are always aware of what information we collect, how we use it, and under what circumstances if any, it is disclosed.
- Conditions of Use.
If you decide to visit or use the Service, your visit and use and any possible dispute over privacy is subject to this Privacy Policy and our Terms of Service, including limitations on damages, arbitration of disputes, and application of California state law, and you consent to having your information or data transferred to and processed in the United States. If you do not agree to this Privacy Policy, please do not use the Service.
- Contact Information.
If you have any questions regarding this Privacy Policy, you may email us at support@refundtalk.com.
Effective Date of this Privacy Policy
This Privacy Policy is effective as of November 14, 2013, and last updated October 29, 2017.
