Our principles of data protection
Our approach to data protection is built around four key principles. They're at the heart of everything we do relating to personal data.
Transparency: We take a human approach to how we process personal data by being open, honest, and transparent.
Enablement: We enable connections and efficient use of personal data to empower productivity and growth.
Security: We desire to be best in class to secure the personal data entrusted to us.
Stewardship: We accept the responsibility that comes with processing personal data.
How we collect your data
When you visit our websites or use our services, we collect personal data. The ways we collect it can be broadly categorized into the following:
Information you provide to us directly:
When you call, fax, or are a visitor on our websites and/or services we might ask you to provide personal data to us. For example, we ask for your contact information when you sign up for a free trial, respond to a job application or an email offer, participate in community forums, join us on social media, take part in training and events, or contacting us with questions or request support. If you don't want to provide us with personal data, you don't have to, but it might mean you can't use some parts of our websites or services.
Information we collect automatically:
We collect some information about you automatically when you visit our websites or use our services, like your IP address and device type. We also collect information when you navigate through our websites and services, including what pages you looked at and what links you clicked on. This information is useful for us, as it helps us get a better understanding of how you're using our websites and services so that we can continue to provide the best experience possible (e.g., by personalizing the content you see).
Information we collect from your financial accounts using E-check, (ACH Banking software, Plaid, or Microbilt using Industry standards):
Should you request to pay your current or future orders using e-check, ACH processing, or use other credit facilities made available to you, we are required by federal and state regulations to verify your financial information. We use an authorized and approved third party service to satisfy this requirement. The information we receive from the financial product of these service providers and those that maintain your financial accounts varies depending on a number of factors, including the specific e-check services requested and used by you, as well as the information made available by those third-party providers. But, in general, we collect the following types of identifiers, commercial information, and other personal information from your financial product and service providers:
- Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code;
- Information about an account's balance, including current and available balance;
- Information about credit accounts, including due dates, balances owed, payment amounts and dates, transaction history, credit limit, repayment status, and interest rate;
- Information about loan accounts, including due dates, repayment status, balances, payment amounts and dates, interest rate, guarantor, loan type, payment plan, and terms;
- Information about investment accounts, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis;
- Identifiers and information about the account owner(s), including name, email address, phone number, date of birth, and address information;
- Information about account transactions, including amount, date, payee, type, quantity, price, location, involved securities, and a description of the transaction; and
- Professional information, including information about your employer, in limited cases where you've connected your payroll accounts or provided us with your pay stub information.
- The data collected from your financial accounts includes information from all accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials.
Some of this information is collected using cookies and similar tracking technologies that control them.
A cookie is a small text file that's placed on your computer or mobile device when you visit one of our websites. We, and some of our affiliates and third-party service providers, may use a few different types of cookies. Some are persistent cookies (cookies that remain on your hard drive for an extended period of time) and some are session ID cookies (cookies that expire when you close your browser).
We also use other tracking technologies like web beacons (sometimes called "tracking beacons" or "clear gifs") and local storage. These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our websites or opened an email that we have sent them.
These cookies and tracking technologies are important and help us operate our websites and services, enhance and customize your experience across our websites and services, perform analytics and deliver advertising and marketing that's relevant to you.
There are also cookies set by third parties across our websites and services. Third party cookies enable third party features or functionality to be provided on or through our websites and services, such as advertising, interactive content, and analytics. They also enable us to use advertising networks to manage our advertising on other websites.
Information we get from third parties: The majority of information we collect, we collect directly from you. Sometimes we might collect personal data about you from other sources, such as publicly available materials or trusted third parties like our marketing and research partners. We use this information to supplement the personal data we already hold about you in order to better inform, personalize, and improve our services, and to validate the personal data you provide.
If we don't collect your personal data, we may be unable to provide you with all our services, and some functions and features on our websites may not be available to you.
If you're someone who doesn't have a relationship with us, but someone has used your personal data on our site please contact us immediately.
How we use your data
First and foremost, we use your personal data to operate our websites and provide you with any services you've requested. We also use it to manage our relationship with you. We could potentially use your personal data for other purposes, which may include the following:
- To communicate with you:
- providing you with information you've requested from us or information we are required to send to you
- operational communications, like changes to our websites and services, security updates, or assistance with using our websites and services
- marketing communications in accordance with your marketing preferences
- asking you for feedback or to take part in any research we are conducting (which we may engage a third party to assist with).
- To support you:
- This may include assisting with the resolution of technical support issues or other issues relating to the websites or services, whether by email, in-app support, or otherwise.
- To enhance our websites and services and develop new ones: For example, when tracking and monitoring your use of websites and services we can keep improving, or by carrying out technical analysis of our websites and services so that we can optimize your user experience and provide you with more efficient tools.
- To protect:
- So that we can detect and prevent any fraudulent or malicious activity, and make sure that everyone is using our websites and services fairly and in accordance with our terms.
- To determine eligibility for discounts and rebates.
- To comply with laws, rules and regulations, including any disclosure or reporting obligations.
- To inform you:
- In addition to sending you marketing communications, we may also use your personal data to display targeted advertising to you online – through our own websites and services or through third party websites and their platforms.
- To analyze, aggregate and report:
- We may use the personal data we collect about you and other users of our websites and services (whether obtained directly or from third parties) to produce aggregated and anonymized analytics and reports, which we may share publicly or with third parties.
- To get paid
How we can share your data
There will be times when we need to share your personal data with third parties. We will only disclose your personal data to:
- other companies in the Tangible Values group of companies
- third party service providers and partners who assist and enable us to use the personal data to, for example, support delivery of goods with companies such as Credit Card Processor, Banking System, Shipping Merchants, or provide functionality on the website or services, or to market or promote our goods and services to you
- regulators, law enforcement bodies, government agencies, courts or other third parties where we think it's necessary to comply with applicable laws or regulations including collecting and remitting sales tax, or to exercise, establish or defend our legal rights. Where possible and appropriate, we will notify you of this type of disclosure to any agency.
- an actual or potential buyer (and its agents and advisers) in connection with an actual or proposed purchase, merger or acquisition of any part of our business
- other people where we have your consent including samples of certain products you order where an oversupply is produced.
It's your personal data and you have certain rights relating to it. When it comes to marketing communications, you can ask us not to send you these at any time – just follow the unsubscribe instructions contained in the marketing communication or send your request to [email protected].
You also have rights to:
- know what personal data we hold about you, and to make sure it's correct and up to date
- request a copy of your personal data or ask us to restrict processing your personal data or delete it (as allowed by regulation).
- object to our continued processing of your personal data
You can exercise these rights at any time by sending an email to [email protected]
If you're not happy with how we are processing your personal data, please let us know. We will review and investigate your complaint and try to get back to you within a reasonable time frame. You can also complain to your local data protection authority. They will be able to advise you how to submit a complaint.
You may unsubscribe from marketing and promotional emails or catalogs by following the appropriate opt out instructions contained in the emails, or by emailing us directly at [email protected]. If you opt out of receiving marketing and promotional emails from us, we may still need to send you emails related to your account, orders, or service.
You may Opt Out of our entire company by emailing us at [email protected]. We will delete your account unless other regulations require us to maintain those records, for example sales tax and banking information on past transactions.
Our Policy Towards Children
Our products and services are not intended or directed at children under 13 and we do not knowingly collect any data. If we do, we will gladly change the information to a person of age or the child's legal guardian.
We may need to change this policy from time to time. If we do and find it minor, we will not update you. If we fundamentally change the document, we will notified you.