PRIVACY POLICY
This Privacy Policy describes the types of
"Personal Information" (information that is
identifiable to a particular person) that is collected by Joe Prospect Group, in connection with the Site and the Service as defined in the “Terms and Conditions for Service” above, and how that Personal Information is used, shared and protected. Some of this
information is required by U.S. federal, Canadian, or other law.
The eligibility requirements for the Site and the Service are set forth above in the Eligibility section of the main body of the
Agreement. We do not knowingly collect any Personal Information from or about individuals under 18 years of age. Please do not submit such information to us, and as a parent or legal guardian, please do not allow your children to submit personal information without your permission. By using the Site and/or the Service, you represent that you agree to the terms of this Privacy Policy.
When you visit the Site, we may receive certain standard information that your browser sends to every website you visit, such as
the originating IP address, browser type and language, access times and referring website addresses, and other such information. This data may be used, among other uses, to improve the operation of the Site and to improve the security of the Site and Service by assisting in "authenticating" who you are when you access the Site or Service.
We may also receive additional information about your visit to the Site, including the pages you view, the links you click and other
actions you take in connection with the Site and the Services. This data may be used, among other uses, to improve the operation of the Site and the Service.
Like most websites, the Site also uses "cookies," which are small data files placed on your computer or other device by the web server when you visit the Site. Such cookies are "session" cookies that are only used for a specific period during which you are on
the Site (such as when you are going through the authentication process). The Site does not use “persistent” cookies (that stay on your computer after you have logged off the Site). Cookies cannot and will not be used to deliver or run programs on your computer. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. However, if you choose to decline cookies, you may not be able to sign in or use other interactive features of the Site that
depend on cookies.
With respect to personally identifiable information about an individual consumer's online activities over time and across different
Web sites or online services when a consumer uses this Site, except as required by law: (1) parties other than the operator of this
Site are not permitted to collect such information, and (2) the operator of this Site does not collect such information (except any such information that is reasonably necessary to process and document user transactions, such as payment history).
Therefore, this Site has no need to respond and does not respond to Web browser "do not track" signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of such information.
In addition to the types of information described in the "Cookies " section of this Policy, we may also collect Personal Information about you. This information may include:
- Date of birth, name, postal address, e-mail address, telephone number, and other information that we can use to contact you, verify your identity, and manage risks, such as information maintained about you by identity verification services and consumer reporting agencies, including credit bureaus;
- Bank account information for accounts that you designate for sending payments, fees, debits and credits for the Service, including any required routing information, account numbers, account balances and transaction history;
- Billing account information, including billing account numbers which may be used to verify that only authorized users access the Services;
- Payment and other transaction information, and history for payments through the Service; and
- Any Personal Information that you may enter on the Site.
We may collect Personal Information about you from the following sources:
Your use of the Site and the Service (such as when you send a payment), and your interactions with customer care, including
information you enter or speak, and information transmitted by your computer, cell phones and other devices you use to connect to or use the Site or Service; and
We also collect Personal Information about you from others, such as Biller, credit bureaus, Affiliates, or other companies (such as
identity verification services, consumer reporting agencies, and companies that provide content, such as electronic bills, to the Site, or that use the Service).
We share Personal Information about you only as permitted by law. For Personal Information that is nonpublic and that we collect
in connection with a financial service, U.S. federal law permits us to share such information only for the purposes shown in the following table:
| Reasons we can share your Personal Information | Do we share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to enable us and Biller to process your transactions, maintain your accounts, respond to court orders and legal investigations, and report to credit bureaus; | Yes | No |
| For our marketing purposes - to offer our products and services to you; | Yes | No |
| For Joint Marketing with other Internet companies; | No | No |
| For our Affiliates' everyday business purposes (information about your transactions and experiences); | Yes | No |
| For our Affiliates' everyday business purposes (information about your creditworthiness); | No | We Do Not Share |
| For our Affiliates to market to you; | No | We Do Not Share |
| For Non-Affiliates to market to you | No | We Do Not Share |
HOW WE MAY USE PERSONAL INFORMATION ABOUT YOU:
We use Personal Information about you only as permitted by law, including but not limited to:
Other everyday business purposes, such as to maintain your ability to access the Service, to authenticate you when you access the Site or Service to enable BestBiz Toolbox to authenticate you when you pay your Billing Statement, to send you information about the Service, to effect, administer and enforce transactions, to perform (and to enable BestBiz Toolbox to perform) Anti-Money
Laundering and fraud monitoring and screening, to prevent and investigate actual or potential fraud and unauthorized transactions, to verify your identity, to determine your credit history, to verify the information contained in your account, to perform collections, to report to credit bureaus (including furnishing delinquent account information), to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to prevent and defend claims, to resolve disputes, to troubleshoot problems, to enforce our Terms and Conditions for Service, to protect our rights and property, and to customize, measure, and improve the Services and the content and layout of the Site including pattern recognition, modeling, enhancement and improvement, system analysis, and Service performance analysis.
OTHER IMPORTANT INFORMATION:
Canada: Under Canadian law, we will not share information we collect about Canadian residents with companies outside of our Affiliates, unless the law allows. We will not share information about your creditworthiness with our Affiliates except with your consent, but we may share information about our transactions or experiences with you with our Affiliates without your consent.
California: Under California law, we will not share information we collect about you with Non-Affiliates, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our Affiliates to the extent required by California law.
DEFINITIONS:
Affiliates: Companies related by common ownership or control.
Non-Affiliates: Companies not related by common ownership or control. They can be financial or non-financial companies.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
HOW WE PROTECT PERSONAL INFORMATION ABOUT YOU:
To protect Personal Information about you from unauthorized access and use, we maintain physical, electronic, and procedural safeguards, including but not limited to security measures that comply with applicable federal and state laws. We also require our service providers and business partners to whom we disclose the information to do the same.
PROTECTION FOR FORMER CUSTOMERS:
When you are no longer our customer or using the Site or Service, we continue to protect, use and share Personal Information about you as described in this notice and as required by law, including but not limited to for risk management, regulatory compliance, and audit purposes.
AMENDMENTS:
We may amend this policy at any time by posting a revised version on the Site. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. You may (in our discretion) also be provided with an email notification of such amendments. You may (in our discretion) be required to affirmatively acknowledge or accept the revised Privacy Policy in order to continue using the Site or Service. Any use of the Service after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to such changes.
CONTACTING US:
If you have any questions about this Privacy Policy, you may contact us at the postal address or email address below:
In writing: Joe Prospect Group.
ATTN: Privacy Management 1332 Monmouth Drive Burlington, Ontario L7P 3J6
E-mail: [email protected]
The responsible body in terms of data protection laws, in particular the EU General Data Protection Regulation (DSGVO), is:
General information
Based on Article 13 of the Swiss Federal Constitution and the data protection regulations of the Swiss Confederation (Data Protection Act, DSG), every person has the right to protection of their privacy as well as protection against misuse of their personal data. The operators of these pages take the protection of your personal data very seriously. We treat your personal data confidentially and in accordance with the legal data protection regulations as well as this data protection declaration.
In cooperation with our hosting providers, we make every effort to protect the databases as well as possible against unauthorised access, loss, misuse or falsification.
We would like to point out that data transmission on the Internet (e.g. communication by e-mail) can have security gaps. Complete protection of data against access by third parties is not possible.
By using this website, you consent to the collection, processing and use of data as described below. This website can generally be visited without registration. Data such as pages accessed or the name of the file accessed, date and time are stored on the server for statistical purposes without this data being directly related to your person. Personal data, in particular name, address or e-mail address, are collected on a voluntary basis as far as possible. No data will be passed on to third parties without your consent.
Processing of personal data
Personal data is any information that relates to a specific or identifiable person. A data subject is a person about whom personal data is processed. Processing includes any handling of personal data, regardless of the means and procedures used, in particular the storage, disclosure, acquisition, deletion, storage, modification, destruction and use of personal data.
We process personal data in accordance with Swiss data protection law. Furthermore, we process personal data in accordance with the following legal bases in connection with Art. 6 (1) of the GDPR - insofar as and to the extent that the EU GDPR is applicable:
● lit. a) Processing of personal data with the consent of the data subject.
● lit. b) Processing of personal data for the performance of a contract with the data subject as well as for the implementation of corresponding pre-contractual measures.
● lit. c) Processing of personal data for the fulfilment of a legal obligation to which we are subject under any applicable EU law or under any applicable law of a country in which the GDPR applies in whole or in part.
● lit. d) Processing of personal data in order to protect the vital interests of the data subject or another natural person.
● lit. f) Processing of personal data in order to protect the legitimate interests of us or of third parties, provided that the fundamental freedoms and rights and interests of the data subject do not prevail. Legitimate interests are in particular our business interest in being able to provide our website, information security, the enforcement of our own legal claims and compliance with Swiss law.
We process personal data for the duration required for the respective purpose or purposes. In the case of longer-term retention obligations due to legal and other obligations to which we are subject, we restrict processing accordingly.
Data protection declaration for cookies
This website uses cookies. These are small text files that make it possible to store specific information related to the user on the user's terminal device while the user is using the website. Cookies make it possible, in particular, to determine the frequency of use and number of users of the pages, to analyse behaviour patterns of page use, but also to make our offer more customer-friendly. Cookies remain stored beyond the end of a browser session and can be retrieved when you visit the site again. If you do not wish this, you should set your internet browser to refuse the acceptance of cookies.
A general objection to the use of cookies used for online marketing purposes can be declared for a large number of services, especially in the case of tracking, via the US site http://www.aboutads.info/choices/ or the EU site http://www.youronlinechoices.com/. Furthermore, the storage of cookies can be achieved by deactivating them in the browser settings. Please note that you may then not be able to use all the functions of this online offer.
Privacy policy for SSL/TLS encryption
This website uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content, such as enquiries that you send to us as the site operator. You can recognise an encrypted connection by the fact that the address line of the browser changes from "http://" to "https://" and by the lock symbol in your browser line.
If SSL or TLS encryption is activated, the data you transmit to us cannot be read by third parties.
Privacy policy for server log files
The provider of this website automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:
●browser type and browser version
●Operating system used
●referrer URL
●Host name of the accessing computer
●Time of the server request
This data cannot be assigned to specific persons. This data is not merged with other data sources. We reserve the right to check this data retrospectively if we become aware of specific indications of illegal use.
Third party services
This website may use Google services such as Google Workspace, Google Maps for embedding maps, Google Invisible reCAPTCHA for protection against bots and spam and YouTube for embedding videos.
These services of the American Google LLC use cookies, among other things, and as a result, data is transferred to Google in the USA, although we assume that no personal tracking takes place in this context solely through the use of our website.
Google has undertaken to ensure adequate data protection in accordance with the US-European and the US-Swiss Privacy Shield.
Further information can be found in Google's privacy policy.
Data protection declaration for contact form
If you send us enquiries via the contact form, the information you provide in the enquiry form, including the contact details you enter there, will be stored by us for the purpose of processing the enquiry and in the event of follow-up questions. We do not pass on this data without your consent.
Please note that you may not delete the opt-out cookies as long as you do not want any measurement data to be recorded. If you have deleted all your cookies in the browser, you must set the respective opt-out cookie again.
Audio and video conferences
We use audio and video conferencing services to communicate with our users and other persons. In particular, we can use them to hold audio and video conferences, virtual meetings and training sessions such as webinars.
We only use services that ensure an appropriate level of data protection. In addition to this privacy policy, any terms and conditions of the services used, such as terms of use or privacy statements, also apply.
In particular, we use Zoom, a service provided by the American Zoom Video Communications Inc. Zoom also grants the rights under the European General Data Protection Regulation (GDPR) to users in Switzerland. Further information on the nature, scope and purpose of data processing can be found in the data protection guidelines and on the "Legal provisions and data protection" page of Zoom in each case.
Note on data transfer to the USA
Among other things, tools from companies based in the USA are integrated on our website. If these tools are active, your personal data may be passed on to the US servers of the respective companies. We would like to point out that the USA is not a safe third country in the sense of EU data protection law. US companies are obliged to hand over personal data to security authorities without you as a data subject being able to take legal action against this. It can therefore not be ruled out that US authorities (e.g. intelligence services) process, evaluate and permanently store your data located on US servers for monitoring purposes. We have no influence on these processing activities.
General disclaimer
All information on our website has been carefully checked. We make every effort to ensure that the information we provide is up-to-date, accurate and complete. Nevertheless, the occurrence of errors cannot be completely ruled out, which means that we cannot guarantee the completeness, correctness and up-to-dateness of information, including journalistic and editorial information. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected.
The publisher may change or delete texts at his own discretion and without notice and is not obliged to update the contents of this website. The use of or access to this website is at the visitor's own risk. The publisher, its principals or partners are not responsible for damages, such as direct, indirect, incidental, consequential or punitive damages, allegedly caused by the use of this website and consequently assume no liability for such damages.
The publisher also accepts no responsibility or liability for the content and availability of third-party websites that can be accessed via external links on this website. The operators of the linked sites are solely responsible for their content. The publisher thus expressly distances itself from all third-party content that may be relevant under criminal or liability law or that may offend common decency.
Changes
We may amend this data protection declaration at any time without prior notice. The current version published on our website shall apply. Insofar as the data protection declaration is part of an agreement with you, we will inform you of the change by e-mail or other suitable means in the event of an update.
Questions to the data protection officer
If you have any questions about data protection, please write to us by e-mail or contact directly the person in our organisation responsible for data protection listed at the beginning of the data protection statement.
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