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TaxExact Privacy Policy
Last updated: June
17, 2011
TaxExact
recognizes your expectations of privacy and security and we greatly
respect your privacy concerns. This Privacy Policy describes how we
gather information, what we do with the information we collect and what
steps we take to safeguard your privacy and protect your personal
information.
To ensure that
this Privacy Policy is up-to-date and responsive to changes in our
website(s), our business activities, relevant laws and regulations and
developments in the applicable technology, we reserve the right to
change and/or amend this Privacy Policy from time to time. Your use of
our website(s) constitutes your consent to the current version of our
Privacy Policy.
We may make
changes to this Privacy Policy at any time and will inform you of
changes, as required by law. To receive the most up to date Privacy
Policy, you can visit our web site at:
http://www.taxexactpro.com
If you have
questions or concerns regarding this statement or your rights under our
Privacy Policy, you should first contact Customer Care at:
support@taxexactpro.com
We have organized
this Privacy Policy as a series of answers to questions that we have
found to be of most interest to consumers. If you do not see the answer
to any question you may have about what information we collect, how we
collect information and what we do with the information we collect,
please contact us at the following address:
If by e-mail:
support@taxexactpro.com
If in writing:
TaxExact
906 Dashiel St
Murfreesboro, TN 37129
What Does This
Privacy Policy Cover?
This Privacy
Policy covers what we do with any personal information you may submit or
authorize us to obtain, as well as any other information that we may
gather when you access any of our websites. This Privacy Policy also
covers any of your personal and other information that any of our
business partners may share with us.
TaxExact owns and
operates several websites, as well as a number of websites and/or
domains that point to one or another of our websites. We may, from time
to time, add additional websites and/or domains to our portfolio.
Whether or not any particular site is specifically identified in this
Privacy Policy, this Privacy Policy applies to any website owned and/or
operated by TaxExact. This notice also applies to all companies within
the TaxExact family of companies. For more information about our family
of companies you may contact us at the email or mailing address just
above.
Please note that
our policies and procedures apply only to websites owned and/or operated
by us and not to websites maintained by other companies or to any
website to which we may link or to unrelated businesses with which we
may share information.
What is "Personal
Information"?
Personal
information is any information that you provide to us or authorize us to
obtain that identifies you, personally, or that can be logically
associated with you. Examples of personal information would be your
name, your address, your e-mail address and your Social Security Number.
Demographic information such as gender, age, zip code, etc., is
generally not considered personal information.
Why Do You Need To
Collect My Personal Information?
We collect and use
personal information to respond more completely to your requests for
products and services we offer and those of our business partners, as
well to service your relationship with us and any account you may have
with us. We also collect personal and other information to make you
aware of products and/or services that are likely to be of interest to
you.
What Personal and
Other Information Do You Collect and/or Maintain?
We collect and
maintain the information you provide to us, such as:
-
Any information you provide to us or to
one of our business partners on applications or forms when you
request a product or service, such as your income and accounts with
others. This information may include your name, your address, your
telephone number and, in some cases, your Social Security number.
Depending upon the product or service you request, you may also be
asked to provide additional information, such as the amount of your
current unsecured debt and the identity of your creditors,
information about your mortgage and other financial and personal
information.
-
Information we receive about your
transactions with us, our affiliates or others, such as your account
balance, payment history and credit card usage.
-
Information we receive from a third party,
such as a credit bureau, about your credit history or employment
status.
-
Information, such as your e-mail address,
that you provide to us when you register to receive communications
from us or when you communicate with us through our customer service
facility, or otherwise correspond with us.
We also collect
other, non-personal information, which is broadly defined as any
information that is not and cannot be directly associated with you. An
example of this type of non-personal information would be your zip code.
In addition to the information we collect from you, we may also receive
information about you from other on-line or off-line sources. For
example, if you provide us with personal information along with an
appropriate authorization we may request and obtain a credit report and
credit score.
How Do You Use The
Personal and Other Information You Collect?
We use the
personal information you supply to us, or that you authorize us to
obtain from our family of companies and third parties for a number of
purposes, such as to provide to you the service(s) or product(s) that
you request, to service your account, and to keep you informed about
services that may be of interest to you.
[We may also use
your personal and other information to enhance your experience on our
website(s) by displaying content based on your preferences and/or to
send information to you about additional products or services in which
you may be interested. We may "depersonalize" your personal information
to enable us to use that information, aggregated with the information of
others, for research, analysis and modeling purposes.]
We occasionally
receive medical or health information from a customer if, for example, a
customer lists a medical debt with us. We do not share medical or health
information, including information received from third parties, among
our companies, except to maintain accounts, process transactions or
service customer requests to the extent permitted by law.
With Whom Do You
Share My Information?
If you submit a
request for a product or service, we will share the personal and other
information you supply with those product and service providers that
have agreed to participate in our network. Generally, these product and
service providers are prohibited from using the information we provide
to them for any other purpose, including using your information for
other, unrelated marketing purposes.
By submitting your
request you are consenting to being contacted by us or by our business
partners, through any means, based on the information you provide to us,
even if you have opted into the National Do Not Call List administered
by the Federal Trade Commission, any state Do Not Call List or the Do
Not Call List of any specific institution. If, after you are contacted
by that product or service provider, you do not wish to be contacted by
that person again you must make a specific request to the product or
service provider, not to TaxExact.
As permitted by
law, we may also share your personal and other information with a third
party that provides a service or supplies a specific functionality to
us, such as a call center operator. These service providers will be
provided only with the information necessary for them to perform their
functions and are not allowed to share any of the provided information
with others for any purpose whatsoever.
Additionally, we
may share your personal and other information within our family of
companies for a number of purposes, for example, to process your
requests and to keep you informed of services that may be of interest to
you. Any person with whom we share your personal information is also
required to comply with federal and state privacy regulations and will
have its own privacy policies that should be made available to you at
the time you are first contacted.
Are There Any
Other Circumstances Where You Disclose My Information?
We may be required
to share your information with law enforcement or government agencies in
response to subpoenas, court orders or other forms of legal process. We
may elect to share information when, in our reasonable judgment, such
sharing is necessary or appropriate for the investigation or prevention
of illegal activities, including actual or suspected fraud, real or
potential threats to the physical safety of any person or otherwise as
required by law.
In addition, if we
are merged with, or acquired by, another company the successor company
will have access to all of the information collected and maintained by
us. In such a circumstance, the successor company would continue to be
bound by the terms and conditions of this Privacy Policy.
How Do You Collect
Information Online?
We collect certain
types of non-personal information and technical data from each visitor
to our website(s). For example, when you click on a banner advertisement
or text link that is associated with one of our websites, the banner or
text placement, along with the time of your visit, your Internet
Protocol address and other path-related information, is sent to us.
Similarly, the page requests you make when you visit our website(s) are
stored and used by us. We use this information, none of which is or can
be personally associated with you, for statistical and analytic
purposes, to help us understand which page views are most appealing to
our customers and to help us improve the likelihood that we will be able
to offer you only products or services in which you have a genuine
interest.
What Are Cookies?
"Cookies" are small files that are placed automatically on your computer
system when you visit a website. Cookies enable a website to recognize
you as a return visitor and, by keeping track of your website activity,
help us identify which pages to serve to you while reducing the time it
takes for those pages to load. Cookies enable us to personalize and
enrich your experience and are not tied in any way to your personal
information. If you do not wish to accept cookies or if you wish to
remove cookies that remain in your browser following the close of your
browser session, you may adjust the settings on your web browser to
prevent cookies from being placed on your hard drive. Please review your
web browser "Help" file to learn the proper way to modify your cookie
settings.
Do You Use Any
Other Advertising Technology? We use third party advertising technology
to serve ads on our website(s) and on the websites where we advertise.
Generally, advertisements are served by ad networks, such as
DoubleClick, that are independent of us. Third party servers may employ
cookies or action tags to measure advertising effectiveness, target
advertising to individuals and for other purposes. For more information
about third party technology used to serve advertising, as well as to
obtain software tools that will allow you to opt-out of targeted
advertising, please visit the Network Advertising Initiative at
http://www.networkadvising.org.
What Are Web
Beacons? "Web beacons" are, like cookies, small files that enable an ad
server to recognize a visitor's cookie when the visitor returns to a
particular site. Web beacons may also be used in e-mail advertising to
help track which e-mail messages have been opened. Web beacons are used
to track the movement of visitors to our sites and, like cookies, are
not tied to any personal information.
How Do You
Safeguard The Information You Collect?
The security of
your personal information is a very high priority for us and we take a
number of steps to safeguard it. Some of the measures we take are:
-
Limiting access to personal information to
those employees who are critical to the delivery of products and
services to you.
-
Implementing appropriate physical,
electronic and procedural safeguards to guard against unauthorized
access or use.
-
Requiring appropriate consents and
protections from our business partners before we share any
personally identifiable information.
TaxExact and its
affiliates use commercially reasonable physical and technical security
measures to protect all personal information in our possession.
Sensitive information such as Social Security numbers are encrypted
using secure sockets layer encryption from the time of your submission
and while it is stored by us. We cannot, however, guarantee or warrant
the absolute security of any system or that any information we hold will
not be accessed, disclosed, altered or destroyed.
How Long Do You
Retain My Personal Information?
We normally retain
your personal information for a reasonable time after our customer
relationship with you ends, and in any event, generally not less than
one (1) year from the date we first collect it. For legal reasons, we
may sometimes be required to retain personal information for a longer
period. Under certain circumstances, Federal and/or state law may
require us to retain your personal information for different periods of
time.
We may disclose
personal information about former customers to affiliated and other
persons in the same way and of the same types as we disclose for
customers.
Non-personal
information may be retained indefinitely.
Can I Correct or
Remove My Personal Information?
If you believe
there are factual errors in any of the information you have submitted to
us, please contact us and advise us of the error. To protect your
privacy and security we may require that you verify your identity before
we make any requested changes to personal information.
What Choices Do I
Have?
You can always
elect not to provide personal information to us, although if you do not
complete and submit the information we ask for we may not be able to
provide you with the most complete responses or you may not be able to
access all the available features.
Choices You May
Make for Your Privacy
You may choose to
limit the way we share information about you. You may also choose to
limit the solicitations we send you. These choices are referred to as
"opt-outs."
I. Sharing of
Information Outside of the TaxExact Family of Companies
If you do
not want us to disclose nonpublic personal information about you outside
the TaxExact family of companies, you may choose to opt out of those
disclosures. In other words, you may tell us not to share this
information and we will not, except in those cases where we may be
required or permitted by law. For example, required disclosures may be
made to law enforcement and regulators, while permitted disclosures may
be made to vendors assisting us in opening, maintaining or servicing
your account. (CA and VT Residents: To the extent state law applies, we
will not disclose information about you outside the TaxExact family of
companies, except as required or permitted by law.)
II. Use and
Sharing of Information among Companies in the TaxExact Family
Affiliate Sharing-We may share your credit information within the
TaxExact family of companies. Credit information includes financial
information you may share with us or credit history that we may obtain
from credit bureaus. If you do not want us to share your credit
information with other companies in the TaxExact family, you may choose
to opt out. (VT Residents: To the extent state law applies, we will not
disclose credit information about you within the TaxExact family of
companies except as required or permitted by law.) If you opt out, we
will not share your credit information with other companies in the
TaxExact family.
Affiliate Marketing-Companies in the TaxExact
family may market their products and services to you based on
information received from other companies in the TaxExact family. This
may include any information collected about you including your income,
your account history, and your credit score. If you would like to limit
the offers you may receive based on this shared information, you may
choose to opt out. If you opt out, we will not market products or
services to you based on information received from other companies in
the TaxExact family, except as expressly permitted by law. This
limitation will not apply in certain circumstances, such as if you ask
to receive information from a TaxExact company.
III. How to
Opt-Out
Your opt-out choices will continue to apply until you
tell us to change them, except with respect to limits on solicitations
which we will honor for the time periods required by law. If you have
previously opted out based on a Freedom Financial notice and would like
to keep the same preferences you do not need to opt out again.
Joint/Multiple Accounts: Your opt-out choices will apply to all of your
consumer accounts within the Freedom Financial family of companies,
including joint accounts. For a joint account, an opt-out choice made by
one joint account holder will only apply to that account holder.
Applicants: Unless otherwise notified, applicants who do not become our
customers may not make certain privacy elections.
To exercise one or
more of your opt-out choices described:
Call us toll free:
1.866.703-1040
To opt out of e-mail
solicitations contact us at: http://support@taxexactpro.com
If you wish to stop receiving e-mails from us or from a third party
e-mail service, we recommend you follow the opt-out instructions
included in the e-mail.
NV Residents: Pursuant to state law, if
you would like more information about telemarketing solicitations please
contact us at 866-829-9777or write to us at TaxExact, 906 Dashiel St,
Murfreesboro, TN 37129 or visit our Web site at
www.taxexactpro.com.
If you would like more information about Nevada's law regarding
corporate do-not-call registries, please contact the Bureau of Consumer
Protection, Office of the Nevada Attorney General at 555 E. Washington
Street, Suite 3900, Las Vegas, Nevada 89101. Telephone Number:
1-702-486-3132
E-mail:
BCPINFO@ag.state.nv.us
Do You Use My
Personal Information to Contact Me Without Permission?
This Privacy
Policy constitutes the TaxExact Do Not Call Policy under the Telephone
Consumer Protection Act for all consumers and is pursuant to state law.
When you talk with us by telephone your conversation may be monitored or
recorded by us. We maintain an internal Do Not Call preference list. Do
Not Call requests will be honored within 30 days and will be effective
for at least five years from the date of the request. No telemarketing
calls will be made to residential or cellular phone numbers that appear
on the Do Not Call list.
TaxExact has a
strict "anti-spam" policy for itself and its business partners and
vendors. You will not receive TaxExact e-mails unless you submit your
e-mail address to us or register on one of our websites to receive
communications, such as our newsletter.
You may tell us
not to solicit you at your postal mailing address, telephone number or
e-mail address. If you elect not to receive marketing offers by postal
mail, telephone and/or e-mail, please note that we may continue to
contact you as necessary to service your account and for other no
marketing purposes. We may also continue to provide marketing
information in your regular account mailings and statements, including
online and electronic communications.
To receive our
newsletter via e-mail you must sign up on one of our websites. If you
decide at a later time that you no longer wish to receive our
newsletter, you may unsubscribe using the "unsubscribe" link on each
newsletter that you receive. If you have any problems unsubscribing,
please contact us immediately at
support@taxexactpro.com
Social Security
Numbers
Often we do not
collect your Social Security number but if we do our Privacy Policy (1)
protects the confidentiality of Social Security numbers, (2) prohibits
unlawful disclosure of Social Security numbers, and (3) limits access to
Social Security numbers.
Testimonials
If you submit a
testimonial to us, we will ask for your permission to post your
testimonial prior to any public use. We will post your name as given to
us in your testimonial. We may post a photo of you or use a stock photo.
Please be aware that any personally identifiable information you submit
as a testimonial to be posted can be read, collected, or used by the
general public, and could be used to send you unsolicited messages. We
are not responsible for the personally identifiable information you
choose to include in any testimonial you choose to submit. If at any
time you decide to remove your testimonial, please contact us via e-mail
or postal mail. A Special Note about Children's Privacy
We do not
knowingly collect, use or share personal information about visitors
under 18 years of age. If you are under 18 years of age, you can use the
products and/or services offered on our website(s) only in conjunction
with your parents or guardians.
Special
Notification for California Residents
California
residents who provide us with their personal information may request
certain information regarding disclosures made to third parties for
direct marketing purposes, including the names and address of those to
whom such disclosures have been made. Such requests must be submitted to
us at the following mailing address: California Privacy Request,
TaxExact, 906 Dashiel St, Murfreesboro, TN 37129. This request may be
made no more than once per calendar year.
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