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PRIVACY POLICY

Updated June 29th, 2022.

This privacy policy is in effect as of the date listed above on this page. We
reserve the right to change this policy, but the current privacy policy will
remain in effect until changes, modifications, additions, or deletions from this
privacy policy have been posted to this site. New privacy policies will go into
effect immediately upon the posting of the policy to this site.


1. COMMITMENT TO YOUR PRIVACY

HorseLoverZ.com respects your privacy and your desire to understand how your
information will be handled and used. This policy explains how we collect, use
and store your information. The purpose of this updated Privacy Policy is to
clarify how we gather and use your information, as well as explain how we to
allow you make changes to your account. Our goal is to empower you to make the
best decisions about the information that you share with us.

Tabcom, LLC., a Pennsylvania, USA Corporation, doing business as,
HorseLoverZ.com, hereafter referred to as (“CBU”, “Company,” “us,” or “we”)
respects the privacy of visitors to the CBU website, www.HorseLoverZ.com and
related sites or mobile apps collectively referred to as the “website” or
“site”. This Privacy Policy (“Privacy Policy” or “policy”) is an agreement
between CBU and you (“you”), the user. Descriptive headings contained herein are
for convenience only and shall not control or affect the meaning of this Privacy
Policy.

This Privacy Policy does not extend to anything beyond the control of CBU, and
is not to be applied in any manner contrary to applicable law or governmental
regulation. This online Privacy Policy only applies to information collected
through this site.

All activities in which you may engage on this website are voluntary. You are
not required to provide any personal information to CBU unless you choose to
access certain features on this site, such as registering or placing an order,
which require personal information. However, when you use the website, other
types of information may be collected about you and your usage.


2. NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED

2.1. We are a general audience site, and do not direct any of our content
specifically at children under 13 years of age. We understand and are committed
to respecting the sensitive nature of children’s privacy online. If we learn or
have reason to suspect that a site user is under age 13, we will promptly delete
any personal information in that user’s account.

2.2. CBU intends only persons who are 18 years or older to use this website
unless under the guidance of the minor’s legal guardian. Any general information
provided by a person under the age of 18 and gathered (for example, through the
use of cookies) during his or her visit may be used as indicated in this policy.

CBU is committed to protecting the privacy of children and has no intention of
collecting personal data from children under the age of 18. We encourage parents
and guardians of children under 18 to regularly check and monitor their
children’s use of e-mail and other activities online.


3. WHAT INFORMATION IS COLLECTED AUTOMATICALLY UPON VISIT TO HORSELOVERZ.COM AND
HOW IS IT USED?

When visiting our site, we collect information about your device to ensure we
can continue to drive innovation and improve usability to benefit your online
shopping experience. Information can be collected through your IP address
(enables us to identify your computer or device, but does not tell us who you
are), clickstream data (server address, domain name), Universal Event Tracking
(UET, provides online ads and remarketing campaigns), and through cookies (small
text files that are stored within your internet browser by the websites that you
visit).

These pieces of information may be combined with other information you provide
to us (such as by creating an account on our website). This will allow us to
learn about the interests of our visitors in aggregate and also on a personal
level, to better understand our users’ interests and needs, so we can improve
our products and services, and deliver the type of content, features, and
promotions that will be of greatest interest to you.

3.1. Universal Event Tracking (UET) and Personalized, or Interest Based
Advertising

CBU participates in online ad and remarketing campaigns through the Bing Ads
network, which is a Microsoft Company. As a company that advertises through Bing
Ads, a small snippet of computer code is added to each webpage called a,
“universal event tracking tag” (“UET”). This UET enables Microsoft to identify
user visits to the CBU website, then allows CBU to segment users to optimize
marketing campaigns by creating remarketing lists based on user activity on the
website. This type of advertising is commonly known as “interest based
advertising”. Interest based advertising allows CBU to offer products and
services we feel would be of greatest interest to you.

Bing requires you to be notified that individual end user tracking and data
sharing with third parties for the purpose of advertising and marketing is
taking place on the CBU website. These remarketing lists will only be used by
CBU and will not be shared with any third parties or any other advertisers or
partners, and not otherwise used by Microsoft for any purpose not described in
this policy or the Microsoft, Bing Ads policies.

We respect the sensitivity of certain types of data of our users and do not
create marketing lists based on data considered sensitive such as but not
limited to, health information, personal identification numbers or sexual
orientation. In addition, we do not create marketing lists or otherwise profile
any individuals under the age of 13, or other age restrictions as required by
law.

If you want to “opt out” of interest based advertising, the next section called
“Opting out of interest based advertising” provides further direction.


OPTING OUT OF INTEREST BASED ADVERTISING

You may “opt out” of interest based advertising by going to each of these
websites and following the directions to opt out: NAI consumer opt-out page and
the DAA opt-out page. Opting out does not mean you will no longer receive online
advertising. It does mean that the NAI member company or companies from which
you opted out will no longer customize ads based on your interests and web usage
patterns using cookie-based technology.


HOW WE RESPOND TO “DO NOT TRACK” DISCLOSURES

We are strongly committed to not sharing non-public information with third
parties. Under this Privacy Policy, we may share your information only under
particular situations, as described in this Policy. Because we protect all users
in this manner, we do not change our behavior in response to a web browser's “do
not track” signal.

3.2. COOKIES

HorseLoverZ.com uses 3 types of cookies. Essential cookies are cookies that are
required for the proper functioning of our website. Third-party cookies are
cookies provided by carefully selected third-parties. Analytic cookies help us
understand how visitors are using our website and to help us make improvements.

Examples of how our Essential Cookies are used include:

 * Storing how many items are in your cart
 * Determining whether you are signed into your account or not
 * Maintaining your logged in status during your shopping session after you log
   in
 * Determining which currency we should display to you based on your location
 * Allowing you to move back and forth between browser screens (when clicking
   the back button).  
 * Learning more about how you arrived at our website
 * Storing your preferences so you don’t have to enter them each time you visit.

Horseloverz.com uses cookies to collect information around abandoned shopping
carts. A cart is considered abandoned within one hour of inactivity/lack of
purchase. Once the cart is considered abandoned, an SMS message will be sent as
a reminder.

Carefully-selected third-party cookies are used on our website to provide us
with information on how you use HorseLoverZ.com. These cookies may also be used
to promote our newest products and latest offers to you on other websites based
on your activity at HorseLoverZ.com.

For example, you may see products that you viewed at HorseLoverZ.com presented
on other websites as you move around the internet. Some of our partners will use
your location to provide more relevant messaging.

Analytics cookies help us study, then improve, how customers interact with our
website. They also help us know how many visitors visit our website, how many
times they visit HorseLoverZ.com and how many times a user viewed specific web
pages within our site. Although analytics cookies allow us to gather specific
information about the pages that you visit and whether you have visited
HorseLoverZ.com multiple times, we cannot use them to find out details such as
your name or address.

Examples of these cookies include, but are not limited to:

 * Google Analytics
 * Adobe Analytics
 * User Replay
 * Microsoft Analytics


MANAGING AND OPTING OUT OF COOKIE USE ON YOUR DEVICE

All popular browsers (e.g. Chrome, Firefox, Edge and Safari) allow you to amend
your cookie settings so that cookies are no longer enabled across all websites
that you visit, or you may choose to have your computer warn you whenever
cookies are being used. If you do not want to accept cookies from
HorseLoverZ.com, you can change your browser settings so that cookies are not
accepted. If you choose to do this, please be aware HorseLoverZ.com may no
longer function as intended, and you may lose access to some of our website’s
features. See your browser’s documentation on how to adjust your cookie
preferences.


4. INFORMATION COLLECTED WHEN YOU CREATE AN ACCOUNT AND LOG IN

When you create an account, we collect your email address, name,  a password for
use to log in, and your host string (who your internet network provider is and
their location). From your account, you will be able to manage settings for
editing your shipping addresses, shipping update notification preferences,
wishlists, and other features.

Each time you log in, we collect the date/time you logged in, IP address, user
agent string (information about what device operating system, browser version,
etc.), and host string.


5. INFORMATION COLLECTED WHEN YOU USE PLACE AN ORDER

When you make a purchase on HorseLoverZ.com, we will collect information about
you to ensure we can fulfill your order and provide email updates regarding the
status of your order. This information will include your name, contact details,
delivery address, payment information, and IP address (to prevent fraudulent
transactions). This information may be shared with third-party processors as
needed to complete your order. Credit card information is NOT stored by CBU at
any time.

You will be offered the opportunity to use our guest checkout path, or to create
an online account on our website. In order to register an online account, we
will ask you for your email address, name, and a password. You will also be
asked to create a password.

If you choose to place an order via guest checkout, but have a current account
with us that uses the same email address, we will automatically add those order
details to your account dashboard so you can conveniently see those details the
next time you log into our website.

CBU uses third-party processors to process credit card payments, provide
international checkout options, detect fraudulent activity, provide shipping
services, and request feedback on your order. We will share your personal
information with these providers only as needed to process your order with us.
Additionally, if an item that you order is drop shipped by the manufacturer, we
may send your name, address, email address and phone number to our shipping
vendor, allowing you to access their online delivery scheduling system. Our
vendor does not share your personal information with third parties; it is used
strictly to coordinate and complete your shipment. Items are drop shipped by
CBU’s discretion in order to provide you with the quickest shipping response
that we can provide to you.

CBU and/or related third-party processors may contact you via phone, text
message (if you choose) or email as needed to confirm your order, notify you of
your order’s status, and request feedback on your purchase.


6. MARKETING PREFERENCES

You may edit your marketing preferences at any time by visiting your preference
center by clicking “update preferences” in any marketing email that you receive.
You may choose to provide information in addition to your email address (such as
date of birth, gender, etc.) This information is used solely for providing
marketing that will be more likely to be of interest to you.


7. OTHER PERSONAL INFORMATION WE MAY COLLECT

You may also provide other personal information which includes information that
pertains to your identity. Such information may include, but is not limited to,
items such as your name, address, date of birth, age, gender, email address,
telephone number, or credit card or debit card number. You may be required to
provide personal information to access or use certain parts of our website or
features of the site. If you do not provide the requested personal information,
you may not be able to access or use the features of the site where such
information is requested.

7.1. Information you provide using certain features on our website including
Product Reviews and Product Q&As on our product pages may be published to our
website and are available for public viewing. This may include a name/nickname
that you choose to provide to us.  This information may also be shared with
third parties to provide a service to our website. Please use discretion in what
type of information you provide using these features.

7.2. As always, contact made via our “Contact Us” page via email or chat are
private, and are not published anywhere. Phone calls made to HorseLoverZ.com are
recorded for quality assurance and are tracked to provide information regarding
what items you may have been viewing when you called us. Specific call
recordings may be stored for up to 180 days.


8. INFORMATION SECURITY

We take our customers’ personal information seriously and take steps to protect
our customers' personal information against loss, misuse, alteration and
unauthorized access. We use encryption technology whenever receiving and
transferring your payment information on our website. We never store any of your
financially sensitive data including credit card numbers, secret codes, or
credentials used through a 3rd party payment service.

When you make a purchase online, either a solid key or a locked padlock icon
will appear in the lower right of your browser window. This icon indicates that
your transaction session is secured through Secure Sockets Layer (SSL). If one
of these icons does not appear, please contact HorseLoverZ.com at 1-800-8-SADDLE
to complete your purchase.

Please keep in mind that whenever you give out personal information online there
is a risk that third parties may intercept and use that information. While CBU
strives to protect your personal information and privacy, we cannot guarantee
the security of any information you disclose online. By using this site, you
expressly acknowledge and agree that we do not guarantee the security of any
data provided to or received by us through this site and that any personal
information, general information, or other data or information received from you
through the site is provided to us at your own risk, which you expressly assume,
however, if we receive notification that a data breach has occurred, we will
notify you promptly as stated in GDPR guidelines.


9. LAWFUL RELEASE OF INFORMATION

CBU will release personal, general or other information without your consent for
security purposes, when required by law, or to prevent imminent harm to any
person or entity. We will disclose whatever information required upon receipt of
a court order or subpoena, or to cooperate with a law enforcement investigation,
which may include responding to requests and court orders from jurisdictions
outside the United States. We fully cooperate with law enforcement agencies in
identifying those who use our services for illegal activities.

We reserve the right to report to law enforcement agencies any activities that
we in good faith believe to be unlawful, as determined in our sole discretion.
Release of your personal data for security purposes, as described in this
agreement to any person or entity under any circumstances shall be based on a
determination made solely by us, exercising our own discretion, permission for
which is expressly granted by you to us in accordance with this policy.


10. YOUR RIGHT TO ACCESS, RECTIFY, AND DELETION OF YOUR PERSONAL DATA

10.1. We understand and are committed to respecting the sensitive nature of
children’s privacy online. If we learn or have reason to suspect that a site
user is under age 13, we will promptly delete any personal information in that
user’s account.

CBU is committed to protecting the privacy of children and has no intention of
collecting personal data from children under the age of 18. We encourage parents
and guardians of children under 18 to regularly check and monitor their
children’s use of e-mail and other activities online.

You (or the parent/guardian of children under the age of 18) control the
personal data you share with us.  You can access or rectify this data at any
time. You can also deactivate your account.

We provide you tools to object, restrict, or withdraw consent where applicable
for the use of data you have provided to us, and we make the data you shared
through our website portable and provide easy ways for you to contact us.

10.2. If you have registered an account on our website, we provide you with
tools in your account settings to access, correct, delete, or modify the
personal data you provided to us via your “my account” section of the website.
We encourage you promptly to update your personal information when it changes.


11. OPTING OUT, UPDATING, OR DELETING YOUR ACCOUNT

You may cancel your account at any time, and you may opt out of receiving
non-transactional emails from CBU by clicking on the “unsubscribe” link on any
marketing email that you receive.

Additionally, you can choose to view, modify, or delete all of your personal
information that is not stored on our website, except for that information which
is necessary to keep in order to comply with state and federal, or international
law. To do this, please contact our Privacy Compliance Manager at
privacy@horseloverz.com with your specific request. Please include in the
subject of your email the words “My Account” and your country’s name so we can
direct your request to the proper representative.

If you wish to utilize your rights under the European Union’s General Data
Protection Regulation please contact our Privacy Compliance Manager with your
specific request. Please include “GDPR” and your country’s name in the subject
of your email.


12. QUESTIONS OR COMMENTS

If you have any questions or comments relating to our website or the Privacy
Policy, how we collect or process your personal data, or anything else related
to our privacy practices, please contact:

Privacy Compliance Manager
Choice Brands Unlimited, LLC (dba - HorseLoverZ.com)
254 North Cedar Street
Hazleton, PA 18201
privacy@horseloverz.com
Choice Brands Unlimited, LLC is its own corporation. In association with TabCom,
LLC. ownership.


13. HOW WE MAY USE YOUR INFORMATION

We will use the personal information you provide CBU in combination with,
general information, click stream data, cookies, UET tags, and additional
sources of information, to, analyze visits to the website and learn about the
interests of our visitors in aggregate and also on a personal level to better
understand the users interests and needs, so we can improve our products and
services and deliver the type of content, features and promotions that will be
of greatest interest to you which include but are not limited to; information or
materials via e-mail about products, offers, and news we think might interest
you; efforts to administer a promotion, survey or other offering to provide you
with relevant products or services (for example, to deliver a prize you may have
won in a contest) we believe would be of interest to you; and from time to time
we may share your information with select partners, subsidiaries or others we
feel would enhance your experience on the CBU website or offer you products and
services that would be of interest to you.


14. INFORMATION SHARING

Information sharing can provide a valuable type of consumer networking. By
helping to make new connections and introduce new resources to our customers,
you may discover new opportunities and products compatible with your interests
and needs. With that end in mind, information may be shared with other select
companies whose products and services you may find useful. Information sharing
also helps us to guard against potential fraud and other wrongdoing. We review
transactions internally on a regular basis to identify potential concerns, and
we partner with select outside companies to further enhance our ability to
ensure that fraudulent orders and/or potentially damaging worms, viruses and
other types of malware do not interfere with our ability to provide the best
possible products, value and services to you and to our other valued customers.


15. INFORMATION SHARING CHOICES

We appreciate and respect that not all customers may wish to benefit from the
opportunity to share information with other select companies. If you do not want
CBU to share your personal information for marketing purposes, please
immediately contact us and we will remove your name from lists we share with
other companies. When contacting us, please clearly state your request,
including your name, mailing address, email address and phone number so we can
verify that it is you who is contacting us.

After we process your request, your personal information will no longer be
shared for marketing purposes. It is important to understand that with some
companies or online partners, your information must be shared in order to
receive their services. Opting out of sharing your information for marketing
purposes will not prevent your relevant information from being provided to
shippers when you order products for delivery or from other sharing for
non-marketing purposes. Similarly, this will not prevent us from sharing
information as and to the extent it is combined or aggregated (in a
non-personally identified manner) or otherwise analyzed by us, or our Service
Providers.


16. THIRD PARTY SERVICE PROVIDERS

Some of our services are provided to you through contractual arrangements we
have with affiliates, services providers, partners and other third parties
(collectively, “service partners”). Our service partners may use your personal
information to operate our sites and to deliver their services. For example,
your data may be transferred to website hosting partners and other parties who
assist us in designing and operating the website, executing services (such as
for prize fulfillment), or helping us analyze collected data. We will encourage
our service partners to adopt and post privacy policies. However, the use of
your personal information by our service partners is governed by the privacy
policies of those service partners and is not subject to our control. As such,
you expressly agree to hold CBU harmless for any damages you sustain as a result
of information shared with third parties under this agreement.


17. LINKS TO THIRD PARTIES

For your convenience and to improve the usage of the website we may insert links
to third parties on this site. This Privacy Policy does not apply to such third
party websites. These links take you outside our service and off of the CBU
website and such links are beyond our control. This includes links from partners
that may use CBU 's logos as part of a co-branding agreement. The sites those
links can take you to have their own separate Privacy Policy and although we
seek to protect the integrity of our site, CBU is not liable for the content and
activities of those sites. Your visits and access to such websites is at your
own risk. Please note that those other sites may send their own cookies to
users, collect data, or solicit personal information.


18. MOBLE MESSAGING

By subscribing to HorseLoverZ.com mobile messages, you agree to receive
autodialed marketing messages to the telephone number used at the time of opt
in. Message frequency may vary. Message and data rates may apply. Consent is not
required as a condition of purchasing any goods or services. Terms & Conditions
are subject to change. The mobile carriers are not liable for delayed or
undelivered messages.

Mobile Messages
Text advertised keyword to 31034 to receive promotional alerts from
HorseLoverZ.com
Text STOP to 31034 to opt out.
Text HELP to 31034, or call: 800-8-SADDLE, email:
customerservice@horseloverz.com for assistance.


19. IDENTITY RESOLUTION

By subscribing to HorseLoverZ.com mobile messages We also engage a third-party
partner for the purpose of identifying users and delivering to them marketing on
our behalf (i.e. email or direct mail). Our partners may collect information
directly from your device, such as your IP address, device ID, and information
about your browser or operating system; may combine personal and non-personal
information about you with information from other sources; and may place or
recognize a unique cookie on your browser. This activity enables them to
identify you to facilitate the delivery of marketing on our behalf. To opt out
of recognition services, please go to https://idx.listrakbi.com/opt-out.html. To
opt out of third-party cookies, please go to http://www.aboutads.info/choices.

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