Last Revised as of August 15, 2022
A Special Notice about Children
By using the Website, you represent that you are the greater of 18 years of age or the age of majority in your state or province of residence. We do not knowingly collect or maintain personally identifiable information from persons under 13 years old, and no part of our services are directed to or may used by persons under 13. IF YOU ARE UNDER 13 YEARS OF AGE, PLEASE DO NOT USE OR ACCESS THE WEBSITE OR OUR SERVICES AT ANY TIME OR IN ANY MANNER. If we learn that personally identifiable information of persons less than 13 years old has been collected without verifiable parental consent, then we will take appropriate steps to delete this information.
In general, you may visit many aspects or pages of the Website without telling us who you are or revealing any personal information about yourself. We may collect information from or about the computers, phones, or other devices where you access our Website, depending on the permissions you’ve granted. We may associate the information we collect from your different devices, which helps us provide consistent Services across your devices. Here are some examples of the device information we may collect:
- Attributes such as the operating system, hardware version, device settings, file and software names and types, battery and signal strength, and device identifiers;
- Device locations, including specific geographic locations, such as through GPS, Bluetooth, or WiFi signals;
- Connection information such as the name of your mobile operator or ISP, browser type, language and time zone, mobile phone number and IP address; or
- We may track the Internet domain address from which you visit the Website and analyze this data for trends and statistics, but individual users will remain anonymous unless they voluntarily tell us who they are.
Sometimes (such as when you contact us through an online form, purchase our services, or sign up for our newsletters) we will ask you to provide personal information about yourself, such as your name, shipping/billing addresses, employer, telephone number, or e-mail address. We also maintain a record of your purchase activity. Whether or not you choose to provide the information we request is entirely up to you. But if you choose not to provide the information we request, you may be unable to purchase products, or access certain services, offers, and content on the Website.
Collection and Use of Personal Information
If you choose to provide information to us through our Website or through a third-party that uses services made available through our Website, we may collect personal information from or about you such as your name, address, telephone number, e-mail address, a password, your banking information, social security numbers, employer identification numbers, a driver’s license or passport information (or comparable) where we believe it is reasonably required for ordinary business purposes or legal compliance purposes, as well as information regarding the items you are seeking to sell by, at, or through our website. We may also collect personal information from or about you such as your employment information or tax information. Finally, we also may ask you for personal information when you ask us for information, seek support, subscribe to a Company service or publication, or download information.
We may store your purchase transaction data for the period necessary to complete your transaction. After your transaction is complete, we may periodically delete your transaction-specific data.
In an effort to combat money laundering activities and the funding of terrorism, we may also obtain, verify, and record information that identifies you. As part of the application to establish an account with us, we may obtain information about you from your mobile carrier or data providers authorized by your mobile carrier or other third-party sources, in order to verify your identity, administer your account, or identify and/or prevent fraudulent activity. You authorize your mobile carrier and their data sources, to provide your account/subscriber information to us, including (if applicable) your name, address, e-mail and device data for these purposes. We reserve the right to take any and all lawful steps that we deem necessary or appropriate in order to verify the information you provide, including, but not limited to, obtaining consumer reports. If you refuse or fail to provide the requested information, or if we are unable to verify the information you provide and/or verify your identity to our satisfaction, we, in our sole discretion, reserve the right to decline to establish an account for you, to provide you with access to our services, and/or to discontinue your access to or use of any previously-established account or any services available through the Website at any time. Furthermore, you may be subject to civil and criminal proceedings.
If you choose a payment gateway to complete your purchase, our third-party services provider may store and encrypt your payment data using the Payment Card Industry Data Security Standard (PCI-DSS). All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.
Your personal information allows us to provide you with the information you have requested, provide you with information regarding the status of your assets and transactions, complete your transactions, and provide you with information regarding future products and services that may suit your interests. We may use your personal information for:
- Processing and servicing accounts and transactions;
- Verifying your identity;
- Preventing fraud and enhancing the security of your account or our online services;
- Responding to your requests and communicating with you;
- Managing your preferences;
- Performing analytics concerning your use of our online services, including your responses to our emails and the pages you view;
- Providing you tailored content and marketing messages, including information about our affiliates’ products based on criteria provided by our affiliates (our marketing emails tell you how to “opt-out”; if you opt out, we may still send you non-marketing emails, such as emails about your accounts and our business dealings with you);
- Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
- Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies;
- For any other purposes that we may specifically disclose at the time you provide or we collect your information; and
- For any other purpose with your consent.
If you believe that any of your personal information is incorrect, or has been changed since your registration at the Website, please send an e-mail message to firstname.lastname@example.org explaining the correction or change and provide any relevant confirmation or reference number.
The Website uses cookie technology to improve the quality of your experience. A cookie is a small file that contains information sent by a website that is saved on the hard disk of your computer by your computer’s browser or on the storage of your mobile device. Cookies store information that a website may need in order to personalize your experience and gather website statistical data. Any time you visit the Website to browse or to read or download information, we collect and store the name of the domain and host from which you access the Internet (for example, comcast.com, centurylink.com, etc.); the Internet protocol (IP) address of the computer you are using; the browser software you use and your operating system; the date and time you access the Website; and the Internet address of the website from which you linked directly to the Website. We use this information to measure the number of visitors to areas of the Website, and to help us make the Website more useful and interesting to our visitors. We use information from cookies in the aggregate to analyze for trends and statistics.
Some consumers may not know that cookies are being placed on their computers when they visit websites. If you want to know when this happens, or to prevent it from happening, you can set your browser to advise you when a website attempts to place a cookie on your computer.
Disclosure of Your Information
We may share your personal information with our partners, other entities that direct you to our website for purposes of completing escrow transactions, and with third-party independent contractors for purposes of: (1) performing functions on behalf of Company, such as processing payments and managing transactions; (2) providing you with product offers or survey requests via e-mail; and (3) tracking information generated through the Website. Our partners and third-party independent contractors are ordinarily obligated contractually not to use or share your personal information for unauthorized purposes. In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us. We may also disclose your personal information to:
- comply with a court order, subpoena, search warrant, or other legal process; to comply with legal, regulatory, or administrative requirements of any governmental authorities;
- protect and defend Company, its subsidiaries and affiliates, and their officers, directors, employees, attorneys, agents, contractors, and partners, in connection with any legal action, claim, or dispute;
- protect against actual or potential fraud;
- resolve our users’ inquiries or disputes;
- receive payments;
- carry out our business;
- protect the confidentiality or security of our records;
- enable our service providers to perform marketing services on our behalf and inform users about our own products or services;
- comply with federal or state laws and other applicable legal requirements; and
- prevent imminent physical harm in the event that we find that your actions on the Website violate any laws, our Terms and Conditions of Use, or any of our usage guidelines for specific products or services.
We reserve the right to transfer your personal information to a third party in connection with a transfer of all or substantially all of Company’s assets. We do not guarantee that any entity receiving such information in connection with one of these transactions will comply with all terms of this policy.
Sharing Your Information with Other Users
If someone is engaging in a proposed transaction with you, we may provide them your information name so they can verify they are sending the money to the correct account, and also so that they can inspect the items that you are proposing to sell or purchase.
We work with third parties, including merchants, to enable them to accept or send payments from or to you using our Website. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are one of our users, that you can use our escrow services, or to send you notification of payment status. Also, if you request that we validate your status as our user with a third party, we will do so.
Regardless, we will not disclose your bank account number to anyone you have paid or who has paid you using our services, or with the third parties that offer or use our services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.
You may “opt out” of having your personal information shared for purposes of receiving product offers via e-mail or postal mail, and from receiving product offers directly from us via e-mail or by simply clicking on the appropriate link provided in the Website or an email received from us, and also by emailing us at email@example.com. If you choose not to give us your personal information at all, you can still access the Website; however, you will not be able to access areas that require registration or personal information.
Google Analytics (Google Inc.)
Google Analytics is a web analysis service provided by Google Inc. Google uses collected data to track and examine the use of our website(s), to prepare reports on its activities, and share them with other Google services. Google may use the data it collects to contextualize and personalize the ads of its own advertising network. We may receive information about you and your activities on and off our Website from Google.
We may store content that you disclose to us on virtual servers owned by third parties, including but not limited to Microsoft Azure Services (each, a Cloud Service Provider). A Cloud Service Provider may disclose, move, access, or use data disclosed by you in accordance with the agreements between us and such Cloud Service Providers, as well as the terms of service or privacy policies of such Cloud Service Providers.
We may disclose data that you provide to us to providers of software that we use to complete commercial transactions on our website and in other services.
HubSpot is a service that simplifies email-based marketing. We may share your name and email address with HubSpot in connection with our use of their services to market our products.
Links to Other Materials
The Website contains links to other sites. These links are an accommodation to the respective third-party site owners and for your convenience. Sites linked to and from the Website are not necessarily under the control of Company, and Company shall have no responsibility or liability whatsoever for the content or privacy practices of any linked sites, or any link or linking program at any time. You should read and understand Company’s policies with respect to such third-party links, as stated in the Terms and Conditions of Use of the Website.
The Website has security measures in place to protect the loss, misuse, and alteration of the information under our control. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee the absolute security of your personal information.
State Privacy Laws
We will comply with state privacy laws to the extent they apply to our services.
California residents: In accordance with California law, we will not share information we collect about you with companies outside of Accruit except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.
Nevada residents: This notice is provided to you pursuant to state law. Nevada state privacy laws permit us to make marketing calls to existing customers, but if you prefer not to receive marketing calls, you may be placed on our internal opt-out list by emailing us at firstname.lastname@example.org or you may also contact the Nevada Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: BCPINFO@ag.state.nv.us.
Vermont residents: In accordance with Vermont law, we will not share information we collect about you with companies outside of Accruit except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.
Do Not Track
The Company does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third-party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, you may be able to set the DNT signal on your browser so that third parties (particularly advertisers) know you do not want to be tracked.
Individual Consumer Financial Product or Service
Users Outside of the United States
If you reside outside the United States, you understand that your personal information may be processed in countries (including the United States) where laws regarding processing of personal information may be less stringent than the laws in your country.
Your Privacy Rights under the General Data Protection Regulation (European Union Member Countries Only)
If you are located within the European Union, you have the following rights in respect of the personal data we hold about you:
The right to be informed
You have a right to know about our personal data protection and data processing activities, details of which are contained in this notice.
The right of access
You can make what is known as a Subject Access Request (SAR) to request information about the personal data we hold about you (free of charge, save for reasonable expenses for repeat requests). If you wish to make a SAR please contact us as described below.
The right to correction
Please inform us if the information we hold about you is incomplete or inaccurate in any way and we will update our records as soon as possible, but in any event within one month.
We will take reasonable steps to communicate the change to any third parties to whom we have passed the same information.
The right to erasure (the ‘right to be forgotten’)
Please notify us if you no longer wish us to hold personal data about you (although in practice it is not possible to provide our service without holding your personal data). Unless we have reasonable grounds to refuse the erasure, on receipt of such a request we will securely delete the personal data in question within one month. The data may continue to exist in certain backups, but we will take steps to ensure that it will not be accessible. We will communicate the erasure to any third parties to whom we have passed the same information.
The right to restrict processing
You can request that we no longer process your personal data in certain ways, while not requiring us to delete the same data.
The right to data portability
You have right to receive copies of personal data we hold about you in a commonly used and easily storable format (please let us know a format which suits you). You may also request that we transfer your personal data directly to a third party (where technically possible).
The right to object
Unless we have overriding legitimate grounds for such processing, you may object to us using your personal data for direct marketing purposes (including profiling) or for research or statistical purposes. Please notify your objection to us and we will gladly cease such processing.
Rights with respect to automated decision-making and profiling
You have a right not to be subject to automated decision-making (including profiling) when those decisions have a legal (or similarly significant effect) on you. You are not entitled to this right when the automated processing is necessary for us to perform our obligations under a contract with you, it is permitted by law, or if you have given your explicit consent.
Right to withdraw consent
If we are relying on your consent as the basis on which we are processing your personal data, you have the right to withdraw your consent at any time. Even if you have not expressly given your consent to our processing, you also have the right to object (see above).
All Subject Access Requests and other requests or notifications in respect of your above rights must be sent to us in writing to 55 Madison Street, Suite 625, Denver, CO 80202.
We will endeavor to comply with such requests as soon as possible but in any event, we will comply within one month of receipt (unless a longer period of time to respond is reasonable by virtue of the complexity or number of your requests).
Effective Date and Changes