Terms of Service
Last Updated: September 18, 2024

Detailed Wireless and SMS Policy

• Data obtained in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
• In addition to any fee you are informed about, your provider’s standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.
• All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of SMS messages, as delivery is subject to effective transmission from your network operator.
• SMS message services are provided on an AS IS basis.

• We may utilize personal information to fulfill the services you requested, including delivering customized content and advertising.
• Furthermore, we may use personal information for auditing, research, and analysis to operate and enhance our technologies and services.
• We may share aggregated and non-personal information with third parties.
• When involving third parties to process your personal information, we ensure compliance with our Privacy Policy and appropriate confidentiality and security measures.
• In specific situations, we may share information with third parties, such as complying with legal processes, preventing fraud or imminent harm, and safeguarding our network and services.

• You have the right to remove your information from our database.
• By choosing to remove your information, it will no longer be used for secondary purposes by us or used to send promotional correspondence.
• To remove your information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• If you have inquiries, want to opt-out of any communication (phone, email, SMS, or otherwise), or require further details about this Privacy Policy, please contact us at admin@virtualmarketingservicesllc.com or send us a letter to 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001.

Contact Information

• If you have any questions or comments about this Privacy Notice, our Privacy Policy, or how we collect and use your personal information, including your California rights, please feel free to contact us.
• You can reach us by email at: admin@virtualmarketingservicesllc.com
• You can also contact us via U.S. mail at: 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001

Response Timing and Format

• We make every effort to respond to your verifiable User requests within forty-five (45) days of receipt.
• If we need additional time (up to ninety (90) days) to address your request, we will provide a written explanation for the delay and extension.
• You can choose to receive our response by mail or electronically.
• Information disclosures will pertain to the twelve (12) months preceding your verifiable request.
• If we are unable to fulfill a request, the response will include the reasons.
• For data portability requests, we will provide your personal information in a format that allows easy use and transmission to another entity.

• We do not impose a fee for processing or responding to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If a fee is deemed necessary, we will provide you with a cost estimate and explain the basis for that decision before proceeding.

Non-Discrimination

• We respect your CCPA rights and will not discriminate against you in any way for exercising them.
• We will not deny you goods or services based on your choices.
• There will be no differential pricing, rates, or penalties for goods or services.
• We will not provide a different level or quality of goods or services based on your CCPA rights.
• We will not suggest any change in price, rate, level, or quality based on your exercise of CCPA rights.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site’s homepage.

Wireless and SMS Policy

• We may use personal information to fulfill the services you requested, which include providing customized content and advertising.
• Standard messaging rates from your provider will apply to our confirmation and all subsequent SMS correspondences, in addition to any mentioned fees.
• If you wish to opt-out and remove your SMS information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• Upon removing your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence.

General Privacy Policy:

Last Updated September 18, 2024

Https://virtualmarketingservicesllc.com/ (the “Website,” “we,” “our,” or “us”) places a high value on your privacy and encourages you to go through our privacy policy. By visiting this website, you are indicating your agreement to the practices described in this Privacy Notice.

• What This Privacy Policy Covers:
  • This policy covers the treatment of personal information collected and received by the website, including data related to your previous use of our products and services. Personal information comprises details that can personally identify you, such as your name, address, email address, IP address, or phone number, and is not publicly available.
  • This policy does not extend to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

GDPR and CASL Compliance

• Unfortunately, we are unable to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations grant certain rights to their citizens that differ from those in the United States. As a result, we do not accept registrations from any citizen outside the United States. Our services are exclusively tailored for United States citizens. To the best of our knowledge, we have removed all data related to European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please notify us at admin@virtualmarketingservicesllc.com.

Cookies

• We may set and access cookies on your computer. This information is used for Web Site and Systems Administration.
• Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser. They enable our systems to recognize your browser and provide features such as storing items in your Shopping Cart between visits.

Information Collection and Use General

• The website is responsible for collecting personal information when you register with us.
• During the registration process, we request specific details, including your name, address, phone number, email address, and zip code. Once the registration is complete and you access our services, you are no longer anonymous to us.
• We gather information about your transactions with us, which encompasses your usage of the financial products and services we offer.
• Automatically, the website receives and records information from your browser via our server logs. This information includes your IP address, cookie data, and the pages you request.
• The collected information serves several general purposes, including fulfilling your requests for products and services, improving our services, contacting you, and conducting research.
• We hold the right to send you specific communications regarding our services, such as service announcements, administrative messages, special offers, and a website Newsletter.
• We may share your personal information with regulatory bodies, as required by the Federal Telephone Consumer Protection Act (TCPA). Nevertheless, we assure you that we will never sell or rent your email address or other personally identifying information to third-party commercial entities or affiliate marketers. Your personal information may be used to communicate with you about offers from the website, and you may receive certain communications related to our services, such as service announcements, administrative messages, special offers, and a Newsletter.

Information Sharing and Disclosure

• Information You Give Us: Whenever you provide information on our website or through other means, we receive and store it. While you have the option not to disclose certain details, doing so may limit your access to many of our features. The information you share is used for purposes such as responding to your requests, personalizing your future shopping experiences, improving our stores, and maintaining communication with you.
• Automatic Information: Whenever you interact with us, we receive and store certain types of information. Similar to many websites, we use “cookies,” and this site obtains certain types of information when your Web browser accesses it.
• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, postal mail and email communications, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and customer service. While they have access to the personal information required for their tasks, they may not use it for other purposes.
• Subpoenas and Legal Process: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.
• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before such transfer takes place and your information becomes subject to a different privacy policy, we will notify you.

Do Not Track Browser Settings

• Take into consideration that advertisers may gather information about your online browsing behavior to present you with targeted ads, also referred to as “behavioral advertising.” To opt-out of receiving such targeted ads, you have the opportunity to submit opt-out requests to the relevant service providers. However, please be aware that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. If you wish to opt-out of behaviorally targeted ads, you can do so at any time by clearing your browser’s cookies.

Changes to this Privacy Policy

• Policy Updates: We reserve the right to update this policy. In the event of significant changes in the way we handle personal information, we will notify you through a notice sent to the primary email you provided or by displaying a prominent notice on our site.

Confidentiality and Security

• We restrict access to your personal information only to employees whom we believe reasonably require it to provide you with products or services or perform their job duties.
• We have implemented physical, electronic, and procedural safeguards that adhere to federal regulations to ensure the protection of your personal information.

Privacy Notice for California Residents

Last Updated: September 18, 2024

• Privacy Notice for California Residents: This Privacy Notice complements Virtual Marketing Services Privacy Policy, available on Https://virtualmarketingservicesllc.com/ (the “Site”). The Site is owned and operated by Virtual Marketing Services (“Company,” “we,” “us,” or “our”). It is exclusively applicable to California residents (“Users”) and adheres to the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant California State privacy laws. All terms defined in the CCPA have the same meaning when used in this Privacy Notice. Users with disabilities can request an alternative format of this notice by contacting us at support admin@virtualmarketingservicesllc.com or through U.S. mail at 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001.

Use of Personal Information

• The personal information collected may be used or disclosed for one or more of the following business purposes:
  • To fulfill or meet the reason for providing the information. For example, using personal information to respond to price quote and/or other information requests about mortgage-related products and services on the Site.
  • To provide you with requested information, products, or services.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages related to specific Company products and/or services, and third-party products and/or services that may interest you.
  • To deliver relevant Site content and advertisements and assess the effectiveness of the advertising served to you.
  • To fulfill our contractual obligations and enforce our rights as outlined in agreements between you and us, including the Site’s Terms and Conditions.
  • To enhance the Site and improve its content presentation to you.
  • For customer service purposes and to respond to your inquiries.
  • For testing, research, analysis, and product development.
  • To protect our rights, property, or safety, and those of our clients or others.
  • To comply with law enforcement requests and adhere to applicable law, court orders, or governmental regulations.
  • As disclosed when collecting your personal information or as described in the CCPA.
  • To assess or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, with personal information held by us being among the transferred assets.

We will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing you with notice.

Empowering Access and Data Portability

• You possess the right to request that we disclose specific information regarding our collection and use of your personal information in the past twelve (12) months. Upon receipt and validation of your verifiable User request, we will disclose the following:
• The categories of personal information we collected about you.
• The categories of sources from which we collected your personal information.
• Our business or commercial purpose for collecting or selling that personal information.
• The specific pieces of personal information we collected about you (also known as a data portability request).
• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists:
  • sales, identifying the categories of personal information purchased by each category of recipient;
  • disclosures for a business purpose, identifying the categories of personal information obtained by each category of recipient.

Handling Personal Information

• Rest assured that we do not share, rent, and/or sell your personal information with/to third parties or affiliate marketers for marketing purposes.

Empowering Your Choices and Rights

• If you are a California resident, the CCPA affords you particular rights pertaining to your personal information. This section elucidates your CCPA rights and provides instructions on how to utilize them.

Sources of Personal Information

• We obtain the categories of personal information listed above from the following sources:
  • Directly from our Users. For instance, through online registration forms submitted by Users related to the products and/or services we offer on the Site.
  • Indirectly from our Users. For example, information collected while providing products and/or services to them.
  • Directly and indirectly from activity on the Site. This includes your browser type (e.g., Safari, Chrome, Internet Explorer), IP address, operating system (e.g., Windows or iOS), and Internet Service Provider domain name. We also obtain Site usage details and analytics automatically, in collaboration with third-party partners like Google® and Hotjar®.
  • From interactions on our social media accounts, including comments and likes on our posts.
  • Directly from Users via online registration forms.
  • From third parties interacting with us in connection with the products and/or services offered to our Users. For example, third-party entities assisting in direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

Request for Deletion

• You have the right to request the deletion of any personal information we collected and retained from you, subject to certain exceptions. Upon receipt and verification of your verifiable User request, we will delete (and instruct our service providers to delete) your personal information from our (their) records, unless an exception applies.
• We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise fulfill our obligations under our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if your deletion may render the research impossible or seriously impair its achievement, provided you previously provided informed consent.
  • Enable solely internal uses that align with User expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exclusions from Personal Information

• Personal information does not encompass the following:
  • Publicly available information obtained from government records.
  • De-identified or aggregated User information.
  • Information that falls outside the scope of the CCPA, including:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
    • Personal information protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Empower Your Opt-Out Choice

• We respect your right to opt-out of the use of your personal information. To exercise this right, kindly submit a verifiable User request via either of the following means:
• Email us at: admin@virtualmarketingservicesllc.com
• Send us U.S. mail to: 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001
• We will endeavor to act on all opt-out requests as soon as practically possible, and in any event, within fifteen (15) days from the receipt of your request.

Exercising Access, Data Portability, and Deletion Rights

• To exercise your access, data portability, and/or deletion rights as described above, please submit a verifiable User request to us by:
  • Emailing us at admin@virtualmarketingservicesllc.com; or
  • Sending us U.S. mail to: 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001
• Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable User request regarding your personal information.
• You may only make a verifiable User request for access or data portability twice within a 12-month period.
• The verifiable User request must:
  • Provide sufficient information that allows us to reasonably verify your identity or the authorized representative’s identity.
  • Describe your request with sufficient detail to allow us to understand, evaluate, and respond to it properly.
• We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.
• Making a verifiable User request does not require you to create an account with us.
• We will only use personal information provided in a verifiable User request to verify the requestor’s identity or authority.
  

  
  Opt-Out Policy

  • You may opt out of receiving SMS messages from us at any time by replying ‘STOP’ to any message you receive from us. Upon receiving your opt out request, we will promptly remove you from our SMS list and you will no longer receive SMS messages from us.
    

    
    Confirmation of Opt-Out

    • After you opt-out, you will receive a confirmation message that you have been successfully unsubscribed from our SMS communications.
      

      
      Data Security

      • We implement reasonable security measures to protect your personal information from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
        

        
        Marketing Communications and SMS Notifications

        • If you need help with our SMS services, simply text the word ‘HELP,’ and you’ll receive an automated reply with instructions on accessing further support, including links to customer service resources and options to opt out of SMS communications.
          
        • For any additional inquiries, you can reach our customer service team directly at +1 480 764 2089
        • Texting ‘HELP’ will not impact your subscription status or opt-out preferences.After you opt-out, you will receive a confirmation message that you have been successfully unsubscribed from our SMS communications.
          
          

    • Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device (“personal information”). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
F. Internet or other similar network activity.	Browsing history, search history, information on a User’s interaction with a website, application or advertisement.	YES
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES