1. CHILDREN’S PRIVACY
BK does not solicit or knowingly
collect personally identifiable information from children under the
age of 13. If BK obtains actual knowledge that it has collected
personally identifiable information from a child under the age of 13,
BK will immediately delete such information from its database.
Because BK does not collect personally identifiable information from
children under the age of 13, BK has no such information to use or
order to comply with the Children’s Online Privacy Protection Act
2. INFORMATION COLLECTION PRACTICES
(a) Traffic Data.
Like most website operators, BK
automatically gathers information of the sort that browsers
automatically make available, including: (i) IP addresses; (ii)
domain servers; (iii) types of computers accessing the Website; and
(iv) types of Web browsers accessing the Website (collectively
Traffic Data is anonymous information that does not personally
to customize your experience on the Website to your interests
to ensure that you do not see the same advertisements or informational messages repeatedly, and
to store your password so you do not have to re-enter it each time you visit the Website.
You can learn more about how to delete or control cookies at www.aboutcookies.org.
(d) Personal Information.
In order for You to use certain of the Services, You will be asked to provide BK certain information that personally identifies You (“Personal Information”). Personal Information includes, without limitation: (1) “Contact Data” (such as Your name, phone number, fax number, mailing address, and e-mail address); (2) “Financial Data” (such as Your credit/debit card number and expiration date); and (3) “Demographic Data” (such as Your gender and zip code). Additionally, we purchase and manage opt-in email lists generated by affiliate sites and organizations. To provide better and more relevant services, BK may supplement the Personal Information You provide with additional Personal Information gathered from public sources or from third-parties, including affiliate sites and organizations and consumer reporting agencies, as long as those third-parties may lawfully provide such information to BK. You are under no obligation to provide Personal Information, with the caveat that Your refusal to do so may prevent you from using certain of the Services.
3. INFORMATION USE AND DISCLOSURE PRACTICES
(a) Traffic Data and Information Gathered Using Cookies.
BK analyzes Traffic Data and information gathered using Cookies to help BK better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, BK is able to better design the Website to improve Your experience, and to serve You more relevant and interesting content and advertisements. From time to time, BK may release Traffic Data and information gathered using Cookies in the aggregate, such as by publishing a report on trends in the usage of the Website. BK does not attempt to link information gathered using Cookies to Personal Information.
(b) Personal Information
BK uses Your Contact Data to send You information about BK and BK’s products and services, and to contact You when necessary in connection with the Services. BK uses Your Financial Data to verify Your qualifications for certain Services and, when necessary, to bill You. BK uses Your Business Information to file corporate documents. BK uses Your Demographic Data to customize and tailor Your experience on the Website. As with Traffic Data and information gathered using Cookies, from time to time BK may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
Except under the following circumstances, BK will keep Your Personal Information private, and will not share it with third parties.
Disclosure to Affiliate Marketers AND Partner Advocacies and Attornies. BK may utilize any and all Personal Information to help our clients better understand the demographics of our target audiences as well as to support our marketing data products and services. We may also provide personally identifiable data to partner firms which may include third party marketing companies, affiliates, advertising agencies, and data aggregation companies. Such data may be used by the aforementioned partner firms to provide consumers with information on products and services that may be of interest.
Disclosure in Connection with
discloses Personal Information to those who help it provide
services, including without limitation those who perform technical,
administrative, and data processing tasks such as hosting, billing,
fulfillment, and data storage and security.
Unpaid Accounts. If You fail to pay any balance owed in consideration of services, BK may, as permitted by law, report Your Personal Information, including without limitation Your unpaid balance, to consumer credit reporting services, collection agencies and others.
4. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM BK
Without limitation, by providing your name, email, postal or residential address, and/or phone number to the Website, you hereby expressly consent to receive electronic communications, over the short term and periodically, including email and short-message service (“SMS” or “text message”) communications from BK regarding the Services, new product offers, promotions, and other matters. You may opt-out of receiving electronic communications at any time by (a) following the unsubscribe instructions contained in each communication; or (b) sending an email to info@BankruptcyResponse.com.
5. CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS FROM BK PARTNER ADVOCATES AND ATTORNEYS
Without limitation, by providing your name, email, postal or residential address, and/or phone number through the Website, you hereby consent to receive and openly and knowingly solicit electronic communications, including email and SMS communications, from BK's partner advocacies and attorneys regarding their services, including offers, promotions, and other related matters. You may opt-out of receiving electronic communications at any time by (a) following the unsubscribe instructions contained in each communication; or (b) sending an email to info@BankruptcyResponse.com.
BK remains dedicated to providing notice and choice to all subscribers. Once a subscriber chooses to be removed from our database via our unsubscribe process, the subscriber will no longer receive any offers from us. Please note, however, the subscriber may still receive offers from other affiliated websites and third parties in which he or she has subscribed.
6. SECURITY OF PERSONAL INFORMATION
has implemented and maintains reasonable security procedures and
practices to protect against the unauthorized access, use,
modification, destruction or disclosure of Your Personal Information.
6. LOST OR STOLEN INFORMATION
must promptly notify us if Your credit, bank, other financial
institution information, user name or password is lost, stolen or
used without permission. In such and event, we will remove that
credit card number, bank account information, other financial
institution information, user name or password from Your account and
updated our records accordingly.
7. USER ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION
8. THIRD-PARTY WEBSITES
neither owns nor controls Third-Party Websites. Accordingly,
Third-Party Websites are under no obligation to comply with this
directly to them by BK. Before visiting or providing Personal
Information to a Third-Party Website, You should inform Yourself of
the privacy policies and practices (if any) of that Third-Party
Website, and should take those steps necessary to, in Your
discretion, protect Your privacy.
9. PROMOTIONAL ACTIVITIES
time to time, BK may conduct contests, giveaways and other
promotions (collectively, “Promotional Activities”). Any
information submitted in connection with Promotional Activities will
BK may also ask You to participate in surveys designed to help BK
improve the Websites or Services. Any Personal Information provided
to BK in connection with any survey will be used only in relation to
that survey, and will be disclosed to third parties not bound by this
most changes are likely to be minor, BK reserves the right, at any
time and without notice, to add to, update, change or modify this
on this page. Any such addition, update, change or modification will
be effective immediately upon posting on the Website. Each time You
apply. Accordingly, each time You use the Website You should check
any changes since the last time You used the Website. Unless BK
only to information collected after the effective date of such
Effective Date: September 19, 2013