Privacy Notice for California Residents

Last Updated: October 14, 2023

• Privacy Notice for California Residents: This Privacy Notice supplements the information provided in Virtual Marketing Services Privacy Policy available on the website Https://www.savewithvms.com/ (the “Site”). The Site is owned and operated by Virtual Marketing Services (“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 [email protected] or send us U.S. mail to 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 sweepstakes or 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.

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.

Exercising Opt-Out Rights

• You retain the right to opt-out of the use of your personal information. To exercise this right, please submit a verifiable User request using one of the following methods:
• Email: [email protected]
• U.S. Mail: 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001
• We will make every effort to address all opt-out requests expeditiously, typically within fifteen (15) days of receiving your request.

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

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.

Your Rights and Choices

• The CCPA provides Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

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.

Request for Deletion of Personal Information

• You hold the right to request the deletion of any personal information we collected and retained from you, with certain exceptions. Once we receive and verify your verifiable User request, we will promptly delete your personal information from our records (and instruct our service providers to do the same), 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, fulfill your requests, or perform our contractual obligations 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.).
• Conduct public or peer-reviewed scientific, historical, or statistical research in the public interest, if deletion may hinder the research’s attainment and 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.

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.

Access, Data Portability, and Deletion Rights

• To exercise your access, data portability, and/or deletion rights mentioned above, please submit a verifiable User request through:
• Emailing us at [email protected]; 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, authorized by you, can make a verifiable User request related to your personal information.
• You are allowed to make a verifiable User request for access or data portability twice within a 12-month period.
• The verifiable User request should:
• Provide sufficient information for us to reasonably verify your identity or the authorized representative’s identity.
• Clearly describe your request, enabling us to understand, evaluate, and respond appropriately.
• If we cannot verify your identity or confirm the request’s relevance to you, we won’t be able to respond or provide personal information.
• Creating an account with us is not necessary for making a verifiable User request.
• Personal information from a verifiable User request will only be used for identity verification or authorization purposes.

General Privacy Policy:

Last Updated October 14, 2023

Https://www.savewithvms.com/ (the “Website,” “we,” “our,” or “us”) values your privacy and treats it with utmost seriousness. Please take a moment to familiarize yourself with our privacy policy. Your visit to this website implies your consent to the practices described in this Privacy Notice.

• What This Privacy Policy Covers:
  • This policy encompasses the treatment of personal information collected and received by the website. This includes data related to your previous usage of our products and services. Personal information refers to 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 extend to the practices of companies not under our ownership or control, or to individuals we do not employ or manage.

Cookies

• To enhance Web Site and Systems Administration, we may set and access cookies on your computer.
• Cookies, which are alphanumeric identifiers, are transferred to your computer’s hard drive through your Web browser. They enable our systems to recognize your browser and facilitate the storage of items in your Shopping Cart between visits.

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 [email protected].

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.

Information Collection and Use General

• The website gathers personal information during your registration process.
• Upon registration, we request details like your name, address, phone number, email address, and zip code. Once you complete the registration and access our services, you are no longer anonymous to us.
• We collect information about your transactions with us, including your usage of the financial products and services we provide.
• The website automatically receives and records information in our server logs from your browser, including your IP address, cookie information, and the pages you request.
• We utilize the gathered information for various general purposes: to fulfill your requests for products and services, enhance our services, contact you, and conduct research.
• We reserve the right to send you specific communications related to 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). However, we will never sell or rent your email address or other personally identifying information to third-party commercial entities or affiliate marketers. We may use your personal information to communicate with you about offers from the website. You may also receive certain communications regarding our services, such as service announcements, administrative messages, special offers, and a Newsletter.

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.

Changes to this Privacy Policy

• Policy Updates: This privacy policy may be updated periodically. If there are any substantial changes in how we handle personal information, we will inform you by sending a notice to the primary email you have provided or by displaying a prominent notice on our site.

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.

Terms of Service

Last Updated: October 14, 2023

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.

Wireless and SMS Policy

• We may utilize personal information to deliver the services you requested, including services that offer customized content and advertising.
• 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.
• You have the option to opt-out and delete your SMS information by sending “STOP,” “END,” or “QUIT” in response to the SMS text message you received.
• If you remove your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence to you.

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 [email protected] or send us a letter to 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001.

Contact Information

• If you have any questions, comments, or concerns regarding this Privacy Notice, our Privacy Policy, or the usage of your personal information, as well as your California rights, don’t hesitate to get in touch with us.
• Email us at: [email protected]
• Send your inquiries via U.S. mail to: 1712 Pioneer Ave Ste 7000, Cheyenne, WY 82001

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.