General Privacy Policy:

Last Updated December 6, 2023

Https://www.savingsdm.com (the “Website,” “we,” “our,” or “us”) is dedicated to safeguarding your privacy and encourages you to review our privacy policy. Your acceptance of this Privacy Notice is implied by your visit to this website.

• What This Privacy Policy Covers:
  • This policy outlines how we handle personal information collected and received by the website, including information about your past use of our products and services. Personal information includes data that can identify you, such as your name, address, email address, IP address, or phone number, which is not publicly available.
  • This policy does not apply to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

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.

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@savingsdm.com.

Information Sharing and Disclosure

• Information You Give Us: We collect and store any information you enter on our website or provide through other means. While you have the freedom to withhold certain details, doing so may restrict your access to many of our features. The information you provide serves purposes such as responding to your requests, personalizing your shopping experience in the future, enhancing our stores, and maintaining communication with you.
• Automatic Information: Whenever you interact with us, we automatically receive and store specific types of information. As with many websites, we use “cookies,” and certain information is obtained when your Web browser accesses this site.
• Agents: We engage other companies and individuals to perform various functions on our behalf. These functions include order fulfillment, package delivery, sending postal mail and email, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and delivering customer service. Although they have access to the necessary personal information for their tasks, they may not utilize it for other purposes.
• Legal Obligations: 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: In order to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law, we believe it is necessary to share information.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. We will notify you before this transfer occurs and your information becomes subject to a different privacy policy.

Do Not Track Browser Settings

• Advertisers have the ability to gather data about your online browsing activity and utilize it to display targeted ads, a process referred to as “behavioral advertising.” To avoid receiving targeted ads, you can exercise the option to opt-out of such services with the respective providers. It’s important to note that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. You have the freedom to opt-out of behaviorally targeted ads at any time by deleting your browser’s cookies.

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.

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

• To provide you with products or services or to perform their job responsibilities, we limit access to personal information about you to employees who, in our judgment, have a legitimate need for such access.
• Our physical, electronic, and procedural safeguards are designed to comply with federal regulations and ensure the security of your personal information.

Privacy Notice for California Residents

Last Updated: December 6, 2023

• Privacy Notice for California Residents: This Privacy Notice supplements the information provided in Superior Digital Marketing Privacy Policy available on the website Https://www.savingsdm.com (the “Site”). The Site is owned and operated by Superior Digital Marketing (“Company,” “we,” “us,” or “our”). This Privacy Notice specifically applies to residents of California (“Users”) and is adopted in accordance with the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant California State privacy laws. Any terms defined by the CCPA carry the same meaning in this Privacy Notice. If you require this Privacy Notice in an alternative format due to a disability, please contact us at support admin@savingsdm.com or send us U.S. mail to 530 S. 13th St. STE 100 Lincoln, NE 68508.

Categories of Information We Collect

• We gather personal information that identifies, relates to, describes, references, or can be associated with a particular User or device (“personal information”). Over the last twelve (12) months, we have collected the following categories of personal information from Users:

Sources of Personal Information

• Our sources of the listed personal information categories include:
  • Directly from our Users, such as through online registration forms submitted in relation to the products and/or services available on the Site.
  • Indirectly from our Users, which may involve information collected while providing them with products and/or services.
  • Directly and indirectly from activity on the Site, encompassing browser types (e.g., Safari, Chrome, Internet Explorer), IP addresses, operating systems (e.g., Windows or iOS), and Internet Service Provider domain names. Additionally, certain Site usage details and analytics are collected automatically by us and our third-party partners, including Google® and Hotjar®.
  • Through interactions on our social media accounts, such as Users’ comments and likes on our posts.
  • Directly from Users via online registration forms used to participate in promotions or sweepstakes featured on the Site.
  • From third parties involved in interactions related to the products and/or services we offer to our Users. For example, third-party entities assisting with direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

Exclusions from Personal Information

• Not considered as personal information:
  • Information publicly available through government records.
  • De-identified or aggregated User information.
  • Information exempt from the CCPA, including:
    • Health or medical information governed 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 under specific sector-related privacy laws, such as 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.

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.

Access to Specific Information and Data Portability Rights

• You possess the right to request that we disclose certain information to you concerning our collection and utilization of your personal information within the last twelve (12) months. Upon receipt and verification of your verifiable User request, we will provide you with 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 disclosing:
  • 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.

Use of Personal Information

• We may use or disclose the collected personal information for one or more of the following business purposes:
  • To fulfill or meet the reason for which the information is provided. For instance, using personal information to provide requested quotes or information about mortgage-related products and services featured on the Site.
  • To provide you with information, products, or services that you request from us.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in sweepstakes or promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages about certain Company products and/or services, as well as third-party products and/or services, that we believe may interest you.
  • To deliver relevant Site content and advertisements and measure the effectiveness of the advertising we serve to you.
  • To carry out our obligations and enforce our rights arising from contracts between you and us, including the Site’s Terms and Conditions.
  • To improve the Site and present its contents better 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 that of our clients or others.
  • To respond to law enforcement requests and comply with applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise stated in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us is 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.

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.

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@savingsdm.com
• Send us U.S. mail to: 530 S. 13th St. STE 100 Lincoln, NE 68508
• 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.

Our Policy on Sharing Personal Information

• We are committed to not sharing, renting, and/or selling your personal information with/to third parties or affiliate marketers for marketing purposes.

Access, Data Portability, and Deletion Rights

• If you wish to exercise your access, data portability, and/or deletion rights as outlined above, please submit a verifiable User request using one of the following methods:
  • Email us at admin@savingsdm.com; or
  • Send us U.S. mail to: 530 S. 13th St. STE 100 Lincoln, NE 68508
• Only you or an individual registered with the California Secretary of State and authorized by you can make a verifiable User request concerning your personal information.
• You may make a verifiable User request for access or data portability up to two times within a 12-month period.
• To ensure a successful request, provide sufficient information that allows us to reasonably verify your identity or the authorized representative’s identity.
• Describe your request in detail so that we can properly understand, evaluate, and respond to it.
• If we cannot verify your identity or the request’s relevance to you, we will be unable to fulfill your request or provide personal information.
• Note that creating an account with us is not required to make a verifiable User request.
• Personal information provided in a verifiable User request will be used solely for identity verification or authorization purposes.

Terms of Service

Last Updated: December 6, 2023

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@savingsdm.com or send us a letter to 530 S. 13th St. STE 100 Lincoln, NE 68508.

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.

Response Timing and Format

• Upon receiving your verifiable User request, we aim to respond within forty-five (45) days.
• If we require more time (up to ninety (90) days) to address your request, we will notify you in writing, providing the reason and extension period.
• Your response can be delivered either by mail or electronically, depending on your preference.
• Any information disclosures will cover only the twelve (12) months preceding your verifiable request.
• If we are unable to comply with your request, the response will include an explanation.
• For data portability requests, we will select a format that allows you to easily use and transfer your personal information to another entity.

• We do not charge a fee for processing or responding to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If a fee is applicable, we will provide you with a cost estimate and rationale before fulfilling your request.

Non-Discrimination

• We value your CCPA rights and will not discriminate against you for exercising them.
• Your access to goods and services will not be affected based on your choices.
• We will not apply different prices, rates, or penalties related to goods or services.
• No variations in the level or quality of goods or services will be imposed for exercising your CCPA rights.
• Your exercise of CCPA rights will not influence any suggested changes in price, rate, level, or quality of goods or services.

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.

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@savingsdm.com
• You can also contact us via U.S. mail at: 530 S. 13th St. STE 100 Lincoln, NE 68508