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PRIVACY POLICY


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INTERSECTIONS INC. D/B/A AURA PRIVACY POLICY

Last Updated: September 2019

At Intersections Inc. d/b/a Aura (“Aura”), protecting your identity and personal
information about you is at the core of our mission. To help us accomplish this,
we have implemented a comprehensive information privacy and security program.
When you use Intersections services, you trust us with your information. This
Privacy Policy is meant to help you understand what data we collect, why we
collect it, and what we do with it. We want you to be informed about this
program and we hope you will take time to read this privacy policy carefully.


WHO WE ARE

Aura is a leading provider of identity and privacy protection services and
identity theft education services for consumers. We also provide companies with
identity theft management and mitigation services for their consumer customers.
Learn more about us.


SCOPE

Our privacy policy applies to our current and existing online and offline
customers. In addition, this policy applies to each consumer who visits one of
our websites, uses our mobile applications, or otherwise provides us with
personal information, even if the consumer does not buy our products or
services. This privacy policy does not apply, however, to products or services
for which we have adopted a separate privacy policy, unless otherwise specified.


WHAT PERSONAL INFORMATION ABOUT YOU DO WE COLLECT?

The types of personal information that we collect about you depend upon the
service or product that you purchase or the website that you access. We collect
and retain information about your transactions with us. In order to provide our
services and products to you, we may obtain, for example, your full name; your
mailing address; your e-mail address, phone numbers, Social Security number,
date of birth, credit card information or other account or payment information,
as needed. We also may collect location information depending upon which of our
services and applications you use. With your express authorization, we may also
obtain your credit report from one or more of the national credit bureaus. In
addition, we may obtain information about you from other third parties in
connection with providing you with the products or services that you request and
to help us better serve our customers. For example, we may obtain information
about you from sources such as public record vendors, technology providers, the
Internet and other sources.

If you want to use our Social Insight offering or other Aura offerings that
require access to one or more of your social media accounts (such as your
Facebook), we will request that you grant us access to information from those
social media account(s). Providing this access is your choice, but you must
provide access to at least one social media account if you want to use Social
Insight or another Aura social media service. By providing Aura with access to
your social media account(s), you agree that you are granting us access to
social media account information to facilitate our offering of the Aura service
you signed up for. Information collected from your social media account may
include, in the case of Facebook, for example: your name and profile picture;
the names and profile pictures of your Facebook friends; the email address you
link to your Facebook account; the date you joined Facebook; geolocations from
which you have accessed or posted to Facebook; the city where you indicate you
live in your Facebook profile; the number of Facebook friends you have; the
content of posts and comments that you have made to Facebook, including those
you have made to your Timeline, to the Timeline of others and those made in
response to posts made by others; and the content of posts and comments by
others that are made to your Timeline or posts to which you also have commented.


DO WE COLLECT INFORMATION ABOUT YOUR VISIT TO OUR WEBSITES OR USE OF OUR MOBILE
APPLICATIONS, INCLUDING USING COOKIES AND OTHER TECHNOLOGIES?

Even if you do not purchase any of our products or services, we retain, on a
long-term basis, personal information about you if you volunteer information to
us online or sign in online to one of our member areas. Doing so permits us to
understand and accommodate your online preferences and manage your relationship
with us.

We also use various technologies to collect and retain information about visits
to our websites and use of our mobile applications. Our websites, for example,
may use first and third party cookies. Cookies are small bits of computer code
that we or third parties with whom we have a relationship may install on your
computer when it accesses our websites. We also may use “web beacons” (also
referred to as “pixel tags”, “clear gifs” or other terms) or similar
technologies to collect information such as how long a visitor remains on a
particular page. Cookies make your visit to our websites and mobile applications
easier and more convenient. We may use cookies for purposes such as to
authenticate users, provide tailored content, to facilitate the display of
advertisements, or to determine whether a visitor is unique or has viewed our
site before. While most browsers are set to accept cookies by default, Web
browsers typically also have features that permit you to refuse cookies or to
alert you before accepting them. Your browser manufacturer has information on
changing the default setting for your specific browser. Please understand that
if you refuse to accept cookies from our websites, you may not be able to use
some portions of our websites or our services.

Our websites and mobile applications also may use various technologies to
collect information when someone visits our websites or uses our mobile
applications. For example, as you browse one of our websites we may collect
information about your visit, but not identifiers such as your name, phone
number or e-mail address. Via Web server logs, for example, we may monitor
statistics such as: the number of people that visit our site, the date and time
of the visit, geographic location information about the visitor, which page(s)
are visited on our site, from which domain our visitors come (e.g., aol.com,
hotmail.com, etc.), and the type of Internet browsers people use to visit our
site (e.g., Microsoft Internet Explorer, Safari (for Apple Computers), Mozilla
Firefox, etc.). We also may use tools that allow us to monitor which links
visitors are using, what content on our site is being viewed, or how a visitor
is accessing content through our site. We also may use outsourcing programs,
such as Google Analytics, to assist us in analyzing data to better understand
traffic to our websites, to tailor our websites and for advertising purposes. If
you would like to opt-out of Google Analytics, please click here for additional
information and instructions from Google about how to do so. Another one of our
service providers is Adobe Marketing Cloud, which collects and uses personal
information about our customers in order to help us deliver personalized
marketing content. You can opt-out of the collection and use of such information
by Adobe by clicking here.

We may use Google and other third-party advertising companies and advertising
networks to serve ads and collect information when you visit our websites. These
companies may use information (not including your name, phone number or email
address) about your visits to this and other websites over time in order to
provide advertisements on this and other websites about goods and services that
may be of interest to you. With Google, for example, we use several Google
offerings, including Display Advertising, Remarketing, Google Display Network
Impression Reporting, and Google Analytics Demographics and Interest Reporting
as part of our online advertising efforts. For more information about how these
Google advertising tools work, click here. In addition to the Google Analytics
opt-out described in the preceding paragraph, Google also has a mechanism that
allows individuals to customize their advertising preferences. For more
information, please click here. We may also utilize other third party online
advertising technologies for these purposes, such as Bing, Taboola, Outbrain,
Facebook and Quora.

This information often is aggregate data or individual information that is tied
to a browser or device rather than specific identifiers such as the visitor’s
name and address; however, some of this information might be considered to be
personally identifiable under some federal or state laws. If you would like more
information about network advertising and to know your choices about not having
this information used by third-party advertising companies, please click here.

We also may use other third-party services, such as Heap, Google Tag Manager,
Fullstory, Google Optimize, Forfiti, Impact, Hitpath and Marketo to assist us in
analyzing the activity of visitors to our website(s) that rely on cookies and
other technologies. These may collect information such as whether you are a
returning visitor, without collecting personally identifying information such as
your name. We also may use such technologies to record images of activity on
public pages of our website(s), such as mouse scrolls, clicks and/or keystrokes.
We do not, however, record images using Heap or similar technologies inside the
member center.

Some Internet browsers offer what often is referred to as “do not track”
mechanisms for browser users to automatically signal privacy preferences to
websites that they visit. Our site(s) do not currently respond to
do-not-track-signals, but some of our service providers honor these do not track
preferences. For additional information, please visit the opt-out links above.
You can exercise other choices available to you, including limiting the
placement of cookies on your device using your browser’s cookie control features
and other choices described in this privacy policy.

Finally, Intersections websites may include links to websites operated by third
parties. We do not control the information, through cookies or otherwise, that
those third parties may obtain from you if you follow links to visit their
websites, nor do we control their use and sharing of that information.


HOW DO WE USE THE INFORMATION THAT WE COLLECT ABOUT YOU?

We use personal information about you to provide products and services to you,
to verify your identity, and to protect against fraud. We also use this
information for our everyday business purposes, such as quality assurance and
testing; to process your transactions and communicate with you; maintain your
account; respond to court orders and legal investigations; or interact with our
service providers. Further, we use your information to market our products and
services to you and for joint marketing with other companies. We do not use your
credit report information except as authorized by you or as required or
permitted by law.


WHAT INFORMATION ABOUT YOU DO WE SHARE?

We do not share personal information about you with nonaffiliated third parties,
except as follows:

 * With our service providers that help us to provide our products and services
   to you (such as credit card processors, credit bureaus and other sources of
   information we include in our services, and firms that assist us with our
   mailings, marketing and related services).
 * In accordance with your express instructions or authorization.
 * If you enrolled in the service via a financial institution with which we have
   a joint marketing agreement, we also may disclose certain of your information
   to that financial institution solely for use in connection with our jointly
   offered products and services. A joint marketing agreement between
   Intersections and a nonaffiliated company is an agreement under which
   Intersections and our nonaffiliated marketing partner agree to market various
   products or services to you.
 * We may share personal information with companies affiliated with
   Intersections in cases where our affiliated company is providing services to
   Intersections. We do not, however, share personal information about you with
   our affiliated companies for their marketing purposes.
 * Finally, in addition to the purposes described above, we may share personally
   identifiable information about you with nonaffiliated third parties for fraud
   prevention or other non-marketing purposes as permitted by a law or as
   required by law.


CAN YOU OPT-OUT OF OUR SHARING OF PERSONAL INFORMATION ABOUT YOU?

You may elect for us not to contact you for marketing purposes. You may call us
or, if we send you an e-mail primarily for a marketing purpose, you may follow
the instructions in the e-mail to opt out of receiving further marketing
communications.


HOW DO WE PROTECT PERSONAL INFORMATION ABOUT YOU?

To protect personal information about you from unauthorized access or use, we
permit access only to Intersections employees and employees of our service
providers who have a need to know. In addition, we have implemented, and we
maintain, technical, administrative and physical security safeguards.


HOW DO I ACCESS AND CORRECT INFORMATION?

If you would like to request access to, or the correction of, personal
information that you submit to Intersections through our website or mobile
application, please either use any mechanism(s) provided by the site or
application or contact us at customerservice@intersections.com. Please note that
in order to correct information provided to Intersections by third parties in
the course of providing services to you—such as information from your credit
report or information from your social media accounts—it may be necessary for
you to change or request correction of such information directly through the
credit bureau, social media site or other source from which the information was
obtained.


DO WE COLLECT INFORMATION FROM OR ABOUT CHILDREN?

None of our products and services or websites is designed for use by minors
under the age of 18. If you are under 18 years old, please do not submit any
personal information to us. We may collect information from our adult consumer
customers about their children if relevant to the product or service being
offered.

Parents and guardians of minors, for example, may be eligible to purchase our
minor monitoring service. If you purchase the minor monitoring service, you must
provide us with proof, satisfactory to us, that you are, in fact, the parent or
legal guardian of the child in order to obtain credit or other sensitive
information about a child through this service that you have not provided to us.
Except to provide the minor monitoring service to enrolled customers, we do not
intentionally obtain or retain information about minors.

If you are participating in the minor monitoring service, we do not share
information about your child for any purposes, including marketing, except as
expressly authorized by you or as set forth below:

 * We may share information about your child with our service providers to
   fulfill the minor monitoring service. Our service providers are required to
   comply with Intersections’ privacy policy.
 * We may share information about your child to protect against fraud or as
   otherwise permitted or required by law, including the protection of our legal
   interests.


HOW DO WE CHANGE OUR PRIVACY POLICY?

We will not change our privacy policy unless those changes are first posted on
our websites. If the change permits or requires any expanded sharing of personal
information about you, we will send you a specific notice, either manually or
online.

If Intersections is acquired by another company or business, or merges with
another company or business, or enters into any similar business transaction,
personal information about you may be transferred as a part of that transaction.
We will post a notice of that transaction on our websites and/or send you a
privacy notice, if required by law.


QUESTIONS AND COMMENTS?

If you have questions or comments about our privacy policy, please contact us at
the customer service number posted on our websites or provided in your
materials.

 * © 2022 Intersections Inc. d/b/a Aura. All rights reserved.
   
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