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Privacy Policy

Last updated: June 11, 2020

This privacy policy (“Privacy Policy”) provides information to you about our
privacy practices on buynowpaylatersmartphone358758.life (the “Site”), including
how we collect, use, share, and safeguard information about you when you use the
Site and any associated content, links, and/or materials available in connection
with the Site. By using the Site, you must be at least 18 years old and consent
to this Privacy Policy.

By using the Site, you agree to the collection, use and disclosure of your
information as described in this Privacy Policy. If you do not agree to this
Privacy Policy, you should not use or provide any information via the Site. We
reserve the right to make changes to this Privacy Policy at any time and for any
reason.  In the event of any updates, we will update the “Last updated” date
displayed on the Privacy Policy.  Changes to the Privacy Policy are effective
when they are posted. You will be deemed to have been made aware of, will be
subject to, and will be deemed to have accepted the changes in any revised
Privacy Policy by your continued use of the Site after the date on which such
revised Privacy Policy is posted. 

1.         Collecting Your Information.  Information about you is collected
through the Site in a variety of ways.  The types of information collected
through the Site include, but are not limited to: information you provide
directly or indirectly through the Site and in connection with your use of the
Site.

o   The Site automatically collects information, including through the use of
cookies and tracking pixels (also known as web beacons, 1x1 pixels, or clear
GIFs) when you browse and interact with the Site. A cookie is a small data text
file, which is stored on your computer's hard drive (if your web browser
permits) that can later be retrieved to identify you to us. Tracking pixels are
code requiring a call back to a server to render, and which deliver information
to us about your IP address and information from your browser. Cookies make your
use of the Site easier, make the Site run more smoothly, and help us to maintain
a secure Site. Cookies and tracking pixels may collect information about you,
such as the referring  and exit domain names and websites, your IP address, your
browser type and version, operating system, software, and platform, your
Internet service provider, geographic location, area code and zip code
associated with your server, time zone setting, date, time, and length of your
visit, referring and exit domain names and websites, screen resolutions, color
capabilities, browser plug-ins, language settings, cookie preferences, search
engine keywords, and clickstream data.

 

o   If you arrive at the Site by “clicking through” from an email or other
website, we may collect certain information about you through the use of
cookies, web beacons, and other tracking technology, such as the terms you were
searching that led you to the Site, or your clicks while on the Site;

 

o   We also use cookies and web beacons in any email communications, which help
us track whether an individual opens and/or clicks on the emails and the links
contained within;

 

o   The Site uses third party cookies and tracking pixels to collect information
about you based on your use and interaction with the the Site. For instance, our
third party service providers, including those whom enable us to provide the
Site, search feeds, and featured links, utilize their own tracking technologies
on the Site. We may display certain advertising offers on the Site or allow
third party service providers, advertisers, ad networks, or other third parties
to advertise on the Site. Additionally, we may use third party software to serve
ads on the Site, implement email marketing campaigns, and manage other
interactive marketing initiatives. This third party software may use cookies,
web beacons, or similar tracking technology to help manage and optimize your
online experience with us. Such third party service providers may use
information collected to record advertising campaign information, including
clicks, for behavioral data analysis, and statistical analysis. They may also
combine information collected with other information collected across the
internet or from other websites. We do not control these third parties’ tracking
technologies or how they may be used.

 

o   Most web browsers are set to accept cookies by default.  You can usually
choose to set your browser to disable or reject cookies.  Be aware that
disabling or rejecting cookies could affect the availability and functionality
of the Site or certain portions of the Site.  Also, please note that we may
still use information we’ve collected from cookies prior to your disabling them;
however, we will not collect any further information from the disabled cookies.

 

o   We may also collect any contact information, such as your name and email
address, which you choose to provide to us, including through the Site or via
email, or by unsubscribing from our mailing list.

2.         Using Your Information. We may use any information collected about
you to: help increase the efficiency and operation of the Site; deliver and
improve our services; track Site access and interaction; marketing; manage our
business; monitor and analyze usage and trends to improve the Site and the user
experience; generate a personal profile of you to make future visits to the Site
more personalized; perform the functions and services you request; send you
confirmations, updates, alerts, administrative messages, and otherwise
facilitate your use of the Site; request feedback and contact you about your use
of the Site; respond to your emails or other requests; compile anonymous
statistical information and analysis, which we may use internally and/or provide
to third parties; and as legally required.

3.         Sharing Your Information.  We may share your information as follows:

o   We may share your information with third parties that perform services for
or on our behalf, including third party service providers whom provide the Site,
search feeds, and featured links;

 

o   We may share your information with third parties for advertising, marketing,
or promotional purposes, including to track your clicks on the featured links;

 

o   As noted above, we allow selected third parties, such as our service
providers and advertising partners, to use tracking technology on the Site,
which enables them to collect information about how you use the Site and the
featured links on the Site. This information may be used to, among other things,
track your clicks on the featured links, analyze and track data, determine the
popularity of certain content, and better understand your online activity;

 

o   We may also share your information if legally required to do so, or at our
discretion, pursuant to a request from a governmental entity, or if we believe
in good faith that such action is necessary to (a) conform to legal requirements
or comply with governmental or quasi-governmental authorities conducting an
investigation, or in response to a subpoena, court order, or other legal
process; (b) protect our rights or property, or our affiliated companies; (c)
prevent a crime or protect national security; (d) protect the personal safety of
users or the public; (e) verify or enforce compliance with the policies
governing our Site and applicable laws; (f) protect against misuse or
unauthorized use of our Site; or (g) investigate, prevent, or take action
regarding illegal activities, suspected fraud, situations involving potential
threats to the physical safety of any person, violations of our terms and
conditions, or as otherwise required by law, or limit our legal liability;

 

o   If we reorganize or otherwise transfer some or all of the Site or our assets
to another organization (such as in the course of a merger, dissolution,
liquidation), your information may be shared with the transferee; however, we
will ask the transferee to honor commitments we made in this Privacy Policy. In
the event we become the subject of an insolvency proceeding, whether voluntary
or involuntary, we or our liquidator, administrator, receiver or administrative
receiver may sell, license or otherwise dispose of, such information in a
transaction approved by the court.

4.         Security of Your Information.  The security of your data is important
to us but remember that no method of transmission over the Internet or method of
electronic storage is 100% secure. While we strive to use commercially
acceptable means to protect your data, we cannot guarantee its absolute
security. As a result, you acknowledge that there are security and privacy
limitations of the Internet which are beyond our control; the security,
integrity and privacy of any and all information and data exchanged between you
and us through this Site cannot be guaranteed; and any such information and data
may be viewed or tampered with in transit by a third party. We make no warranty,
express, implied, or otherwise, regarding the security of the Site and your
personal information.

5.         Links to Third Party Websites and Third Party Practices. As noted
above, the Site contains featured links to third party websites, which collect
information about you when you view or click on the featured links on the Site,
through the use of cookies and tracking pixels. The inclusion of a link to a
website does not imply any endorsement of the services or the site, its
contents, or its sponsoring organization. We do not operate or control in any
respect any information, software, products or services available on such third
party websites. Any information collected by websites, other than the Site, is
not covered by this Privacy Policy. This Privacy Policy only addresses our use
and disclosure of information which we collect from you. The third party
websites which are accessible through our Site, and companies to whom your
information is transferred, have their own privacy policies and data collection,
use and disclosure practices. We are not responsible for the content or privacy
and security practices and policies of any third parties, including other
websites that may be linked to or from the Site.  Please consult each third
party website's privacy policy.

6.         Policy for Children.  We do not use the Site to solicit information
from or market to children under the age of 18.  By using the Site, you
represent that you are at least 18 years of age.  We encourage parents and legal
guardians to monitor their children’s internet usage and to instruct their
children to never provide personal information through the Site or any other
website without parental consent.  If you believe a child has provided personal
information to us via the Site, please contact us and we will use reasonable
efforts to locate and delete the information.

7.    California Residents – Your Privacy Rights

Under California’s Shine the Light law (California Civil Code § 1789.83),
California residents have the right to request, once a year, a list of the
categories of personal information disclosed to third parties for their direct
marketing purposes during the immediately preceding calendar year; and the names
and addresses of such third parties with whom we have shared the personal
information. You have agreed to allow us to share information with third parties
for their direct marketing purposes until you request to opt-out of such
sharing. To request information, please submit your request to us at
privacy@domainactive.com, or by mail at Level 2, 100 Harris Street, Pyrmont |
NSW 2009, Australia. Your request must include the email address or mailing
address, as applicable, for us to send a response. Within thirty days of
receiving such a request, we will provide a list of the categories of personal
information disclosed to third parties for third-party direct marketing purposes
during the immediately preceding calendar year, along with the names and
addresses of such third parties. This request may be made no more than once per
calendar year. We reserve our right not to respond to requests that are not
submitted in accordance with this section.

Additionally, if you are a California resident, under the meaning of Section
17014 of Title 18 of the Cal. Code of Regulations, your use of the Site is
subject to the California Consumer Privacy Act of 2018 (“CCPA”), and all final,
implementing regulations. Under the California Consumer Privacy Act of 2018
(“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to
request that a business disclose what personal information it collects, uses,
discloses, and sells. Information regarding our collection, disclosure, and sale
practices are detailed below, in addition to instructions on how to exercise
your rights regarding your personal information.

What Personal Information Do We Collect?

We collect, and have collected personal information about our visitors and which
may be subject to the CCPA within the preceding 12 months in the following
categories:

Categories of Personal Information

Categories of Sources from Which PI is Collected

Business or Commercial Purpose for Which Each Category Will be Used

Identifiers (e.g., a real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address, email address, account
name, social security number, driver’s license number, passport number, or other
similar identifiers), or information that identifies, relates to, describes, or
is capable of being associated with, a particular individual

Individual through the Site

 

 

Provide you with access to the Site and the ability to interact with the Site;

Track Site access and interaction;

Fulfill requests submitted through the Site and connect you with the
products/services featured on the Site;

Personalize and improve the Site;

Marketing;

Internal database;

Analyze the Site;

Secure the Site;

Customer service; and

Legal compliance

Internet or other electronic network activity information (e.g., browsing
history, search history, and information regarding a consumer’s interaction with
a website, application, or advertisement)

Individual through the Site



 

Provide you with access to the Site and the ability to interact with the Site;

Track Site access and interaction;

Fulfill requests submitted through the Site and connect you with the
products/services featured on the Site;

Personalize and improve the Site;

Marketing;

Internal database;

Analyze the Site;

Secure the Site;

Customer service; and

Legal compliance

Geolocation data

Individual through the Site



 

Provide you with access to the Site and the ability to interact with the Site;

Track Site access and interaction;

Fulfill requests submitted through the Site and connect you with the
products/services featured on the Site;

Personalize and improve the Site;

Marketing;

Internal database;

Analyze the Site;

Secure the Site;

Customer service; and

Legal compliance

Inferences drawn from any of the above information to create a profile about a
consumer reflecting the consumer’s preferences, characteristics, behavior, etc.

Individual through the Site



 

Provide you with access to the Site and the ability to interact with the Site;

Track Site access and interaction;

Fulfill requests submitted through the Site and connect you with the
products/services featured on the Site;

Personalize and improve the Site;

Marketing;

Internal database;

Analyze the Site;

Secure the Site;

Customer service; and

Legal compliance

We collect the above personal information in the above categories directly from
you via the Site and from your interactions with the Site, including from your
clicks on the featured links on the Site and whether you indicated a need for a
particular service or product featured on the Site and/or in the links, through
the use of cookies and tracking pixels (also known as web beacons, 1x1 pixels,
or clear GIFs). A cookie is a small data text file, which is stored on your
computer's hard drive (if your web browser permits) that can later be retrieved
to identify you to us. Tracking pixels are code requiring a call back to a
server to render, and which deliver information to us about your IP address and
information from your browser. Cookies make your use of the Site easier, make
the Site run more smoothly, and help us to maintain a secure Site. Cookies and
tracking pixels may collect information about you, such as the referring website
address, your IP address, your browser type and version, your Internet service
provider, the area code and zip code associated with your server, the date and
time of your visit, and the time spent on the Site. 

We also collect information on whether you responded to featured link(s) on the
Site, and which third party advertisements and links you click through the Site.

To the extent that you receive electronic communications from us, we also
collect information on whether you viewed the email communications and clicked
on any links within such communications.

Third party service providers whom enable us to provide the Site, search feeds,
and featured links also collect your personal information through the Site,
through the use of third party tracking pixels and cookies. Such third party
cookies and tracking pixels are subject to third party privacy policies.

What Personal Information Do We Disclose?

We disclose, and have disclosed personal information about our visitors to third
parties within the preceding 12 months as follows:

-       We disclose personal information in all of the above categories to our
third party service providers and advertising partners to provide you with the
search feeds and featured links on the Site to particular products or services,
and for tracking clicks on such.

 

-       We also disclose personal information in all of the above categories to
our third party publishers for the purpose of marketing the Site to you via
email, including for tracking their clicks/conversions.

 

-       We disclose personal information in all of the above categories to our
third party service providers that we utilize to perform technical functions on
our behalf, including logging user and customer experiences through the Site and
the featured links.

 

-       We disclose personal information in all of the above categories to our
third party data analytics providers for the purpose of tracking Site access and
interaction.

 

-       We may also disclose your personal information if legally required to do
so, or at our discretion, pursuant to a request from a governmental entity, or
if we believe in good faith that such action is necessary to (a) conform to
legal requirements or comply with governmental or quasi-governmental authorities
conducting an investigation, or in response to a subpoena, court order, or other
legal process; (b) protect our rights or property, or our affiliated companies;
(c) prevent a crime or protect national security; (d) protect the personal
safety of users or the public; (e) verify or enforce compliance with the
policies governing our Site and applicable laws; (f) protect against misuse or
unauthorized use of our Site; or (g) investigate, prevent, or take action
regarding illegal activities, suspected fraud, situations involving potential
threats to the physical safety of any person, violations of our terms and
conditions, or as otherwise required by law, or limit our legal liability.

 

-       Also, in the event that we, or substantially all of our assets, are
acquired, such personal information may be included within the transferred
assets. In the event we become the subject of an insolvency proceeding, whether
voluntary or involuntary, we or our liquidator, administrator, receiver or
administrative receiver may sell, license or otherwise dispose of, such
information in a transaction approved by the court.

What Personal Information Do We Sell?

We disclose for a business purpose and sell personal information in all of the
above categories to our third party service providers, including those whom
enable us to provide the Site, search feeds, and featured links, and to third
party advertising partners, namely, the owners of the services, products, and
brands that are featured on the Site.

Also, in the event that we, or substantially all of our assets, are acquired,
personal information in all of the above categories may be included within the
transferred assets. In the event we become the subject of an insolvency
proceeding, whether voluntary or involuntary, we or our liquidator,
administrator, receiver or administrative receiver may sell, license or
otherwise dispose of, such information in a transaction approved by the court.

We do not have any actual knowledge of the sale of personal information of
minors under 16 years of age. There are no financial incentives to disclose.

Your Right to Request to Know and How to Submit a Verified Request to Know

A “request to know” is a request related to the personal information that a
business has about such consumer. It may include a request for any or all of the
following from us:

1)     specific pieces of personal information that we have collected about you;

2)     categories of personal information that we have collected about you;

3)     categories of sources from which the personal information was collected;

4)     categories of personal information that we have sold or disclosed for a
business purpose about you;

5)     categories of third parties to whom the personal information was sold or
disclosed for a business purpose; and

6)     the business or commercial purpose for collecting or selling personal
information.

The CCPA permits requests to know from the same consumer up to twice in a twelve
(12) month period.

Unless you have previously contacted us and/or provided us with your first and
last name, email address, physical address, and/or telephone number, we are
generally unable to respond to requests to know. Generally, without such
additional information, we do not have the ability to associate corresponding
records and substantively respond to your request to know.  We will honor third
party partner requests forwarding an individual’s request to know, where the
individual is capable of being identified in our data records. 

To submit a request to know, please email us at privacy@domainactive.com . To
process your request, we may require that you submit the following information
in conjunction with your request: your first name, last name, a California
address, and email address. The information which you provide will be used to
verify your request and to attempt to identify you within our data records. If
you elect to use an authorized agent to exercise your right to submit a request
for information, we may require the following before processing the request: 1)
provide proof of your written and signed permission with the authorized agent to
act on your behalf; 2) directly verify your own identity with us; and 3)
directly confirm with us that you provided the authorized agent permission to
submit the request on your behalf. The information which you submit in
conjunction with your request to know will be used for the express purposes of
verification and providing you with responsive information to your request, if
required.

Your Right to Request Deletion and How to Submit a Verified Request to Delete

You have the right to request the deletion of any personal information which we
have collected about you, or which we maintain.

Unless you have previously contacted us and/or provided us with your first and
last name, email address, physical address, and/or telephone number, we are
generally unable to respond to requests to delete. Generally, without such
additional information, we do not have the ability to associate corresponding
records and process your request to delete.  We will honor third party partner
requests to delete information, where the individual is capable of being
identified in our data records.

To submit a verifiable request to delete, please click here: request to delete,
or email us at privacy@domainactive.com. To process your request, we may require
that you submit the following information in conjunction with your request: your
first name, last name, a California address, and email address. The information
which you provide will be used to verify your request and to attempt to identify
you within our data records. If you elect to use an authorized agent to exercise
your right to submit a request for deletion, we may require the following before
processing the request: 1) provide proof of your written and signed permission
with the authorized agent to act on your behalf; 2) directly verify your own
identity with us; and 3) directly confirm with us that you provided the
authorized agent permission to submit the request on your behalf. The
information which you submit in conjunction with your request to delete will be
used for the express purposes of verification and providing you with responsive
information to your request, if required.

We utilize a two-step process for online requests to delete, whereby you first
submit your request to delete, and second, you separately confirm that you want
your personal information deleted.

To the extent that your personal information is necessary for us to maintain for
a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited
to complete a transaction for which the personal information was collected,
provide a good or service you have requested, detect security incidents, protect
against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or
to comply with a legal obligation, we are not required to comply with your
request for deletion. For instance, we are not required to delete personal
information which is necessary to maintain suppression files for those
individuals who have opted out of receiving email marketing from us. If we are
unable to verify your request, we will notify you as well.

Your Right to Opt-Out of the Sale of Personal Information and How to Submit a
Verified Request to Opt-Out

You have the right to opt-out of the sale of your personal information. You have
ehe right to direct a business that sells (or may in the future sell) your
personal information to stop selling your personal information, and to refrain
from doing so in the future.

The Site features a “Do Not Sell My Personal Information” link here, which you
can click to submit your request to opt-out of the sale of your personal
information. You may also email us at privacy@domainactive.com to submit your
request to opt-out of the sale of your personal information. In conjunction with
your request, we may request that you provide your first name, last name, a
California address, and email address to verify and process your request. The
information which you provide will be used to verify your request and to attempt
to identify you within our data records. If you elect to use an authorized agent
to exercise your right to submit a request for deletion, we may require the
following before processing the request: 1) provide proof of your written and
signed permission with the authorized agent to act on your behalf; 2) directly
verify your own identity with us; and 3) directly confirm with us that you
provided the authorized agent permission to submit the request on your behalf.
The information which you submit in conjunction with your request to opt-out
will be used for the express purposes of verification and complying with the
opt-out request, if required.

Unless you have previously contacted us and/or provided us with your first and
last name, email address, physical address, and/or telephone number, we are
generally unable to respond to requests to delete. Generally, without such
additional information, we do not have the ability to associate corresponding
records and process your request to delete.  We will honor third party partner
requests to delete information, where the individual is capable of being
identified in our data records.

Your Right to Non-Discrimination for the Exercise of Your Privacy Rights

California affords consumers with the right not to receive discriminatory
treatment by a business for the exercise of their privacy rights conferred by
the CCPA. This means that you cannot be denied goods or services; be charged
different prices or rates; be provided with a different level or quality of
goods or services; or have it suggested that you will receive a different price
or rate or different level or quality of goods or services. However, a business
may offer a financial incentive or price or service difference if it is
reasonably related to the value of the consumer’s data. A business shall notify
consumers of any financial incentive or price or service difference.

Updates

We will revise this notice from time to time as implementing regulations further
develop and come into effect and we are able to provide you with better
information on your CCPA rights and how to exercise them.

8.  United States Only

This Site is intended to be used in the United States only. The Site is
controlled and operated from the United States, and is not intended to subject
us to the laws or jurisdiction of any other country, except for the United
States. This Privacy Policy is provided in accordance with and subject to
applicable United States law. You may be located in a country that has laws
which are more restrictive about the collection and use of your personal
information. However, by using our Site, you agree to waive the more restrictive
laws and agree to be governed by the laws of the United States. Further, if you
decide to continue to access the Site from a location outside of the United
States, you hereby agree that your use of the Site is subject to this Privacy
Policy and that your personal information will be transferred, stored, and/or
processed in the United States. Your information may be collected, accessed,
processed, and stored in the United States as well as in any other country where
we, our affiliates, service providers, or our third party partners maintain
facilities. By using the Site, you consent to the transfer of such information
to countries outside or your country of residence, which may have different data
protection rules than those of your country.

9. Opting Out

If we send emails to you, you may opt out of receiving such emails at any time
by responding to the opt-out link provided within the email.

10. Questions or Comments.  If you have questions or comments about this Privacy
Policy, your privacy rights, or our general privacy practices, please send us an
email at privacy@domainactive.com. If you prefer, you may also contact us via
physical mail at: Level 2, 100 Harris Street, Pyrmont | NSW 2009, Australia. If
you have a disability which interferes with your ability to access this policy,
we can make accommodations to present the policy in an alternative format to
assist you. If you would like to receive this Privacy Policy in another format
that is accessible to your needs (for example: audio, large print, etc.) please
contact us.

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