Last Updated February 28, 2023.
Your online privacy is important to Expertly Refi Today. The purpose of this privacy policy is to provide you with information about our practices with respect to the personal data that we collect from users of our website (hereafter referred to as "Site", “Service”, or “Services”) and the services that are made available through the Site. Please email us at [email protected] if you have any questions concerning our privacy policy, our data collection policies, how we handle user information, or if you want to immediately report a security breach.
We value your privacy and want to be transparent with you in the way that we collect and use your personal information. We also want you to know your rights in relation to your personal information.
This Privacy Policy tells you what to expect when we collect and use your personal information. We strive to make it simple and easy for you to read and find the information that is most relevant to you.
This Privacy Policy describes how this personal data must be collected, handled, and stored to meet our data protection standards and to comply with the law.
This Privacy Policy ("Policy") together with our Terms and Conditions (“Terms”) and any other documents referred to in it, governs the basis of our collection, storage, and use of personal information collected by Expertly Refi Today. We are always looking to improve the information we provide to our users so if you have any feedback on this Policy, please let us know by emailing us at [email protected]
Expertly Refi Today (“us,” “we,” or “our”) is committed to protecting your privacy. This Policy explains how we collect, use, disclose, and protect your personal information in accordance with the California Consumer Privacy Act of 2018 (“CCPA”).
This page aims to help users understand what information might be collected from you when visiting and using our Site, and how we protect such information. The reason for this is that in keeping with the CCPA (and all other laws relating to the use of your personal data, both now and in the future), we are the “data controller”, meaning that we are responsible for deciding how your personal data is used and, more importantly, for keeping your personal data safe and only using it for legitimate reasons.
We are committed to protecting your privacy and will take all steps necessary to comply with our legal obligations when using your personal data so please read through this document carefully to understand the ways in which we safeguard your personal data.
By using this Site, you agree to the terms of this Policy. Whenever you submit information via our Site, you consent to the collection, use, and disclosure of that information in accordance with this Policy. If you do not agree with any term in this Policy, please do not use our Services or give us your information. This Policy applies to all visitors, users, and registered members.
Expertly Refi Today actively and directly collects information from you when you: create an online account, create a search, sign up for our newsletter, give a rating or review, take a survey, fill out an online form, enter a promotion, or engage with us.
Some information you submit may be personally identifiable information that can be uniquely identified with you such as full name, address or location, email address, phone number, etc. Some areas of the Site may require you to submit information for you to benefit from a wide range of exclusive features (such as email alerts or information requests). You will be informed at each information collection point on what information is required and optional.
We collect the following information from you and about you:
In general, the personal information you submit to us is used either to respond to requests that you make, aid us in serving you better, or market our Services. We use your personal information in the following ways:
Your personal information may be kept and processed on servers in the United States. We may also create anonymous data records from your personal information by completely excluding information (such as your name) that makes the data personally identifiable to you. We use this anonymous data to analyze requests and usage patterns so that we may enhance the content of our Services and improve Site functionality. We reserve the right to use anonymous data for any purpose and disclose anonymous data to third parties at our sole discretion.
We may receive testimonials and comments from users who have had positive experiences with our Services. We may publish such content. When we publish this content, we may identify our users by their first and last names. We obtain the user's consent prior to posting this information along with the testimonial.
We disclose your personal information as described below and as described elsewhere in this Policy.
Third Parties Designated by You: When you use the Services, the personal information you provide will be shared with the third parties that you authorize to receive such information.
Third-Party Service Providers: We may share your personal information with third-party service providers to: provide you with the Services that we offer you through our Services; conduct quality assurance testing; provide technical support; market the Services; and/or provide other services to us.
Information We Share: We may disclose aggregated information about our users and information that does not identify any individual without restriction. In addition, we may disclose personal information that we collect or you provide:
Other Disclosures: Regardless of any choices you make concerning your personal information (as described below), Expertly Refi Today may disclose personal information if it believes in good faith that such disclosure is necessary: (i) in connection with any legal investigation; (ii) to comply with relevant laws or to respond to subpoenas or warrants served on our company; (iii) to protect or defend the rights or property of Expertly Refi Today or users of the Services; and/or (iv) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or our Terms and Conditions.
Data Retention Policy
We will keep your personal data for as long as you are a registered user or for as long as is necessary for us to provide products or services for you, and for a limited period of time afterward.
Once you no longer wish to be engaged with this Site for any prescribed purpose, we may still need to retain your data if there is a legal reason for doing so (such as for tax purposes where you have made purchases through one of our digital platforms or where we need to resolve any disputes with you).
Our Site may contain links to third-party websites. When you click on a link to any other website or location, you automatically exit our Site or Services and go to another website, and another entity may collect personal information or anonymous data from you. We have no control over, do not review, and are not responsible for, these outside websites or their contents. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or contents, or any collection of your personal information after you click on links to such outside websites. We encourage you to read the privacy policies of every website you visit. The links to third-party websites or locations are for your convenience and do not signify our endorsement of such third parties, content, or websites.
Choices: We offer you choices regarding the collection, use, and sharing of your personal information. We may periodically send you emails that directly promote the use of our Services. When you receive promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email you receive or by contacting us directly. Despite your indicated email preferences, we may send you service-related communications, including notices of any updates to our Terms and Conditions or Privacy Policy.
Cookies: If you decide at any time that you no longer wish to accept cookies from our Services for any of the purposes described above, then you can instruct your browser, by changing its settings, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. Consult your browser’s technical information. If you do not accept cookies, however, you may not be able to use all portions of the Services or all functionality of the Services. If you have any questions about how to disable or modify cookies, please contact us at [email protected]
As a user of our Site, you have the following rights, any of which you may exercise by contacting us at [email protected]
You have a right of access to any personal information we hold about you. You can ask us for a copy of your personal information, confirmation whether your personal information is being used by us, details about how and why it is being used, and details of what safeguards are in place if we transfer your information outside of the United States and European Economic Area ("EEA").
You have a right to request an update to any of your personal information that is out of date or incorrect.
You have a right to ask us to delete any personal information that we are holding about you in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us via email at [email protected]
You have a right to ask us to restrict the way that we process your personal information in certain specific circumstances. You can ask us for further information on these specific circumstances by contacting us via email at [email protected]
When you sign up on our website, the contact details you provide, as well as your IP address and ISP, are stored on our systems. This information will also be used on your account and utilized by us to monitor suspicious activities so we can contact you if necessary.
We use standard security measures on our Site. We will treat your information in strict confidence and endeavor to take all reasonable steps to protect your personal information. However, we cannot guarantee the security of any data you disclose online. You accept the inherent security risks of providing information and other internet activities and will not hold us responsible for any breach of security unless it is due to our negligence or willful default.
We keep personal information as long as it is necessary for the practices described in this Policy. We also keep the information as otherwise required by law.
CCPA is the first state law in the country to mandate the posting of a privacy policy on commercial websites and online services. The law's reach extends well beyond California, requiring anyone or any organization operating websites in the United States (or perhaps the entire world) that collect personally identifiable information from California consumers to post a clear privacy policy on their website, adhere to it, and disclose exactly what information is being collected and with whom it will be shared.
According to CCPA, we agree to the following:
Access to our website is open to anonymous users. As soon as this privacy policy is finished, a link to it will be added to our home page or, at the very least, the first important page you see when you visit our website. The phrase "Privacy" appears in our Privacy Policy link, which is prominently displayed on the page mentioned above.
Users will be notified of any privacy policy changes:
Users are able to change their personal information:
The Fair Information Practices Principles are the cornerstone of American privacy legislation, and the ideas they encompass have had a big impact on the evolution of data protection laws all over the world. Compliance with the different privacy regulations that safeguard personal information requires an understanding of the Fair Information Practice Principles and how they should be put into practice.
In order to be in line with the Fair Information Practices Principles, we will take the following responsive action should a data breach occur:
We also concur with the Individual Redress Principle, which mandates that people can legally hold negligent data collectors and processors accountable. This concept mandates that people have recourse to courts or government entities to investigate and/or prosecute non-compliance by data processors, in addition to having enforceable rights against data users.
This section describes how we use the cookies, and why these cookies are stored on your device. We will also share how you can prevent these cookies from being stored. However, this may downgrade or ‘break’ certain elements of the Site’s functionality.
A ‘cookie’ is a bit of information that a website sends to your web browser that helps the website remember information about you and your preferences.
‘Session’ cookies are temporary bits of information that are used to improve navigation, block visitors from providing information that is inappropriate (the website ‘remembers’ previous entries of age or country of origin that were outside the specified parameters and blocks subsequent changes), and collect aggregate statistical information on the website. They are erased once you exit your web browser or otherwise turn off your computer.
If you create an account with us, we will use cookies for the management of the sign-up process and general administration. We usually store cookies on your computer during the registration process for you to resume where you left off, remembering your registered login, preferences, and other customization functions. These cookies will usually be deleted when you log out; however, in some cases, they may remain afterward to remember your Site preferences when logged out.
In some cases, cookies provided by trusted third parties might be used. The sections below detail which third-party cookies you might encounter through this Site.
We use third-party analytics to help us track and measure the usage of the Site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the Site, or pages you visit. This will help inform us on how to improve the Site for you.
Our Site also uses social media buttons and/or plugins that allow you to connect with your social platforms in various ways. For these to work, social media websites, such as Facebook, Twitter, Pinterest, etc., will set cookies through our Site that may be used to enhance your profile on their website or contribute to the data they hold for various purposes outlined in their respective privacy policies.
In most cases, there are no industry standard options for disabling cookies without completely disabling the functionality and features of the Site. You have the option to disable or selectively turn off our cookies or third-party cookies in your browser settings or manage preferences in internet security programs. However, doing so may affect how you are able to navigate our Site. It is recommended that you leave on all cookies if you are not sure whether you need them or not, in case they are used to provide a service that is useful to you.
At any point, whilst we are in possession of or processing your personal data, you may have the following rights:
We reserve the right to change, amend, or modify our Policy without notice. We will post the amended Policy on this page and indicate at the top of the page the date the Policy was revised. Please check our Site and this page periodically for updates.
To contact us regarding anything in this privacy policy or how we collect or store your personal data, please get in touch with us by using the ‘Contact Us’ page on our Site or contacting us via the following: [email protected] or (850) 739-6988.