1. Information We Collect
We may collect the following types of personal information:
1.1 Personal Information You Provide
- Contact Information: Name, email address, phone number, and mailing address.
- Financial Information: Bank account details, credit card information, and tax-related data.
- Identification Information: Social Security Number (SSN), Taxpayer Identification Number (TIN), or other government-issued IDs.
- Account Information: Username, password, and security questions.
- Communications: Records of your interactions with us, including emails, chat logs, and customer support tickets.
1.2 Information Collected Automatically
- Device Information: IP address, browser type, operating system, and device identifiers.
- Usage Data: Pages visited, time spent on the Website, clickstream data, and referring URLs.
- Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to enhance your experience and analyze Website traffic.
1.3 Information from Third Parties
- We may receive information from third-party services, such as payment processors, credit bureaus, or business partners, to verify your identity or process transactions.
2. How We Use Your Information
We use your personal information for the following purposes:
- To Provide Services: Process transactions, manage accounts, and deliver requested services.
- To Communicate: Respond to inquiries, send updates, and provide customer support.
- To Improve Our Website: Analyze usage patterns and enhance user experience.
- For Marketing: Send promotional materials, newsletters, and offers (with your consent where required).
- For Legal Compliance: Comply with applicable laws, regulations, and legal processes.
- For Security: Protect against fraud, unauthorized access, and other malicious activities.
3. Legal Basis for Processing (GDPR Compliance)
If you are located in the European Economic Area (EEA), we process your personal information based on the following legal grounds:
- Consent: You have given explicit consent for specific purposes (e.g., marketing communications).
- Contractual Necessity: Processing is necessary to fulfill a contract with you (e.g., providing services).
- Legal Obligation: Processing is required to comply with legal obligations.
- Legitimate Interests: Processing is necessary for our legitimate business interests, provided they do not override your rights.
4. Sharing Your Information
We may share your personal information with:
- Service Providers: Third-party vendors who assist in operating the Website (e.g., payment processors, hosting providers).
- Business Partners: Affiliates or partners offering complementary services.
- Legal Authorities: When required by law or to protect our rights and safety.
- With Your Consent: For any other purpose disclosed to you at the time of collection.
We do not sell your personal information to third parties.
5. Your Rights Under Data Protection Laws
5.1 GDPR Rights (EEA Users)
If you are in the EEA, you have the following rights:
- Access: Request a copy of your personal data.
- Rectification: Correct inaccurate or incomplete data.
- Erasure: Request deletion of your data under certain conditions.
- Restriction: Limit the processing of your data.
- Data Portability: Receive your data in a structured, commonly used format.
- Objection: Object to processing based on legitimate interests or for direct marketing.
- Withdraw Consent: Revoke consent at any time (where applicable).
To exercise these rights, contact us at usafinance@gmail.com.
5.2 CCPA/CPRA Rights (California Residents)
If you are a California resident, you have the following rights:
- Right to Know: Request disclosure of the categories and specific pieces of personal information collected, used, and shared.
- Right to Delete: Request deletion of your personal information.
- Right to Opt-Out: Opt-out of the sale or sharing of your personal information (if applicable).
- Right to Correct: Request correction of inaccurate personal information.
- Right to Limit Use: Limit the use of sensitive personal information.
- Non-Discrimination: Not be discriminated against for exercising your rights.
To exercise these rights, submit a request to usafinance@gmail.com or use our online request form
6. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.
7. International Data Transfers
Your personal information may be transferred to and processed in countries outside your jurisdiction, including the United States. We ensure appropriate safeguards are in place to protect your data, such as Standard Contractual Clauses (SCCs) or other mechanisms approved under GDPR.
8. Security Measures
We implement industry-standard security measures to protect your personal information, including encryption, access controls, and regular security audits. However, no method of transmission over the Internet is 100% secure.
9. Children’s Privacy
Our Website is not intended for individuals under the age of 16. We do not knowingly collect personal information from children. If we become aware of such collection, we will take steps to delete the information promptly.
10. Third-Party Links
Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies before providing any personal information.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or wish to exercise your rights, please contact us at:
Email: usafinance@gmail.com
This Privacy Policy is designed to ensure compliance with GDPR, CCPA, CPRA, and other applicable laws. For specific legal advice, consult a qualified attorney.