Effective Date: June 8th, 2021
1. Information You Provide And We Collect.
We collect general types of information about you when you visit and use our website; examples include Personal Information, Demographic Information, Behavioral Information, and indirect information. Sometimes we collect combinations of these types of information.
1.1 “Personal Information” is information that can be used to identify you or any other individual to whom the information may relate. This is information which you provide to us. Such information may include your full name, address, telephone number, email address, mobile number, payment source number or other Personal Information you provide to us during the course of communicating with us about the products and services offered by third party companies through our website, including but not limited to, third party insurance, lending, and home service companies. We may collect this same information about all other persons you provide to us. It is always your choice whether or not to directly provide us with your Personal Information. Please note that if you decline to provide us Personal Information, then we may not be able to provide you with certain products or services and you may not be eligible for certain sweepstakes, contests, or other promotions we run.
1.2 “Demographic Information” is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, mobile phone carrier, age, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests. This information is not Personal Information but may be linked to Personal Information if you provide any Personal Information to us.
1.3 “Behavioral Information” is information which is automatically collected pertaining to how you use our website, the areas of our website that you visit, what services you access, and information about your computer hardware and software, including domain names, times that you access the internet, and other websites you have visited.
1.4 “Third Party Information” is information about you that we acquire from a third party which may include Personal Information, Demographic Information, Behavioral Information and indirect information. This information may include, but is not limited to, first party cookies, third party cookies, anonymous cookies, persistent identifiers, email opt in and search engine keywords. We have no access or control over these cookies and other tracking devices used by third party advertisers and networks. We have no responsibility or liability for the policies and practices of these parties.
1.5 “User Agent Information” is non-personal information about your web browser and computer operating system, such as your browser preference, browser name, device type, operating system type, and other similar information.
1.7 No Information Collected from Minors. Our website is not intended for children under 16 years of age. No one under age 16 may provide any Personal Information to or on our website. We do not knowingly collect Personal Information from children under 16. If you are under 16, do not use or provide any information on this website or through any of its features, make any purchases through the website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us in writing at this address: Legal Counsel, MOHC Trust, [email protected].
1.8 Health Information. We will only collect information about past, present or potential future medical conditions or treatments if you directly provide such health information to us in order to request information about products or services offered by third party marketing companies on or through our website.
1.9 Credit Card Information and Bank Account Information. We may, in certain instances, collect credit card number(s), bank account information and related information, when you place an order on our website. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL encryption software. We will use the credit card information or bank account information for purposes of processing and completing the transaction you requested. Such information will be disclosed to third parties as necessary to complete the requested purchase transaction.
2. Collection Of Information Through Web Technologies.
2.1 Automatically Collected Data. Generally, we as well as third party vendors and supporting advertisers use technologies such as cookies, web beacons, pixel tags, log files, local storage and similar mechanism to automatically collect information when you visit and use our website. These technologies collect internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our website, track a user's movements through our website and gather Demographic Information about our entire user base. We may receive reports based on these technologies on an individual or aggregated basis.
2.5 Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email messages. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
2.7 User-Generated Content. We may offer features that allow users to post comments, photos, video and other user-generated content to public areas within our website which is public facing. Your account name and photo may be associated with the content and may be displayed publicly. Your user profile may also link to your public profile from a third party account if you registered with us through Facebook or other such service. Please take note that your user profile and any user-generated content that you post, including any Personal Information, are intended for public consumption, will be publicly accessible and will not be considered confidential. We may display user-generated content on our website and in our marketing including comments and we or our users may share such content with third party sites and services.
3. How We Use Information Collected.
3.1 Providing Services and Products. We use the information we gather on our website to provide you with the services and or products you have requested. This may include passing your information on to a third party to provide such services or products. We do not control the privacy practices of these third parties. If you have any questions or wish to remove your information from the third party databases, you will need to contact that party directly.
3.2 Improving Our Website. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our website, and deliver the products and services advertised on our website. Our services include the display of personalized products, content, and advertising, relating to your experience and interests. In addition, we use this information to comply with all legal obligations and resolve any disputes or concerns you may have.
3.3 Marketing. We also use the information you provide to us to send you advertisements, promotions and content by third parties that we think will be of interest to you. To provide this service we may anonymize and aggregate information for different purposes which include traffic flow, analysis usage, product development, market analysis, reports and other insights. We may also share Personal Information and non-personal information you provide to us with our affiliates and parent companies to send you offers about products and services you may be interested in.
4. Disclosure Of Information To Others.
(i) Product and Service Requests. If you have requested information about products or services from third parties on or through our website, we share the information you provided with third parties to provide you with additional information about the products and services you have requested. If you have provided a telephone address or email address with your request for more information from these third parties, you are agreeing that the third party may contact you at the number you provided via telephone, email or text (including through automated and artificial voice means; e.g. automatic telephone dialing system, text and pre-recorded messaging) about insurance products, services and marketing/telemarketing offers. You also authorize these third parties to contact you even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call lists and/or registries. These third parties may also confirm information you provided through the use of other sources such as consumer reports, including but not limited to, your credit score and driving record. You are not required to purchase products or services from these third party entities, and you may revoke your consent at any time by specifically making a request to the third party who has contacted you that you do not wish to be contacted any further in regards to your initial inquiry.
(ii) Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third party service providers who host our website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service. These third party service providers are required to only use your information for the sole purpose of providing technical functions on our behalf are not allowed to share your information with any third parties, or use the information for any other purpose.
(iii) Third Party Products and Services. We share your information with third parties who will provide you with their opportunities, products or services. This includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
(iv) Anonymous information. We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes Demographic Information and Behavioral Information.
(v) Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to:
- (a) conform to legal requirements or comply with legal process;
- (b) protect our rights or property, or our affiliated companies;
- (c) prevent a crime or protect national security; or
- (d) protect the personal safety of users or the public.
(vi) Acquisition or Merger. We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
5. Third Party Collection And Use Of Information.
Third parties collect and use information about you on or through our website in the following way:
(i) Advertisers. Advertising agencies, advertising networks, and other companies who place ads on our website, may use their own cookies, Web beacons, and other technology, to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.
(ii) Hyperlinks. Our website and email messages sometimes contain hypertext links to websites owned by third parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third party websites. The inclusion of a link on our website does not imply any endorsement of the services, products or website, or its sponsoring organization. For information about the data practices of these third party websites, please review the third party websites’ privacy policies.
(iii) Analytics. As described above, we use third parties to monitor analyze and report on the traffic to, from and within our website and email messages.
6. Your Choices.
6.1 Interest Based Advertising. We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI's website. To opt-out of interest based advertising, please visit the NAI opt-out page here or click here. Please be aware that opting out of interest based advertising does not mean you will not see ads on our website. Ads will still be shown on our website, but the ads on our website will no longer be targeted to you based on your interests.
6.2 Offers from Company. If you do not wish to have your email address or other contact information used by the Company to promote our own or third parties' products or services, you can opt-out by clicking the “unsubscribe” link at the bottom of each email you receive from Company. This opt out does not apply to information provided to Company as a result of a product purchase, warranty registration, product service experience or other transactions.
We endeavor to safeguard and protect your information. When you submit information on our website, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of Personal Information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. However, access to your information is strictly limited and not accessible to the public.
9. California Residents.
If you are a California resident, California law may provide you with additional rights regarding our use of your Personal Information. To learn more about your California privacy rights, please read our CCPA PRIVACY NOTICE FOR CALIFORNIA RESIDENTS (link below).
10. Nevada Residents
Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to our designated address in Section 12 below.
11. “Do Not Track” Signals
“Do Not Track” is a preference you can set in your web browser to inform websites that you do not want to be tracked, which notifies companies of your desire not to be tracked. We do not support or respond to “Do Not Track” requests at this time.
12. Contact Us
By electronic Mail: Legal Counsel, MOHC Trust, [email protected]