Privacy Policy

Privacy Policy

Introduction

Welcome to https://contractors-offer-financing.ai-website.info (hereafter referred to as “COF,” “we,” or “our”). We are committed to maintaining a transparent and secure online environment for our users, ensuring their privacy is protected at all times. This Privacy Policy details the practices we employ regarding the collection, usage, and disclosure of personal data in accordance with international and local privacy laws, including but not limited to PIPEDA (Canada), Law 25 (Quebec), GDPR (EU), LGPD (Brazil), CCPA/CPRA (California), CPA (Colorado), UCPA (Utah), CTDPA (Connecticut), VCDPA (Virginia), POPIA (South Africa), and others.

Scope

This policy covers all aspects of our website, including but not limited to our online platforms, applications, services, and products. It is important to be aware that this policy does not extend to external links or third-party services accessed through our site. Each of these third-party entities has its own privacy policies governing their data collection practices, so we encourage users to review those policies carefully.

Processing Activities

This document outlines the ways in which your personal information is processed when:

  • You utilize our applications and services as an authorized user, including any account creation or login activities.
  • You visit our websites, including browsing patterns and interactions with web pages.
  • You subscribe to receive communications from us, such as newsletters, emails, phone calls, or text messages (SMS).

Personal Data Collection

We collect a range of personal data to enhance your experience and improve our services:

  • Account Information: Details related to your registration and account creation, including user names, email addresses, and passwords.
  • Payment Information: Credit card details, billing addresses, and transaction history for processing payments.
  • Financial Information: Data about your financial status, creditworthiness, and loan-related inquiries.
  • Purchase Information: Records of products or services accessed and purchased through our platform.
  • Mobile Device Identifiers: Unique device identifiers, IP addresses, and mobile app usage data to improve functionality.
  • Location Data: GPS coordinates or location services data when you use our location-based services.
  • Feedback: Your comments, reviews, and responses to surveys, which help us enhance our platform.
  • Social Media Information: If you choose to connect your social media accounts, we may collect data from those platforms (with your permission).
  • Product Information: Details about products or services of interest that you view or purchase on our site.

We gather this data through direct user input, application interactions, and the use of automated technologies during your visit to our website or usage of our services. Additionally, we may receive personal data from third parties, such as payment processors or partners, who operate under their own privacy policies.

Cookies

We employ cookies to enhance your experience on our site and for analytics purposes:

  • Strictly Necessary Cookies: These are essential for website functionality, allowing us to maintain secure sessions and personalize content.
  • Preference Cookies: Used to remember user preferences, such as language settings or layout choices.
  • Analytics Cookies: Enable us to track and analyze user behavior on our site, providing insights into how we can improve our services.

Users have control over non-essential cookies through our Cookie Manager, where they can manage their cookie preferences.

Retention and Deletion

We retain personal data for as long as necessary to fulfill the purposes it was collected for, in compliance with applicable laws. Once the retention period expires or when the purpose is no longer relevant, we delete or anonymize your data to protect your privacy.

Security Measures

COF implements robust security measures to safeguard your personal data:

  • Encryption: We use encryption protocols to secure data during transmission and storage.
  • Secure Third-Party Processing: We engage trusted third-party service providers who adhere to strict security standards to process data on our behalf.

Children’s Privacy

Our services are not intended for individuals under the age of 18 (or the legal age limit in your jurisdiction). COF does not knowingly collect personal information from children, and you should ensure that any use of our services by minors is with parental consent.

Your Rights

Depending on your location, you have certain rights regarding your personal data:

  • Access: The right to request access to the personal data we hold about you.
  • Rectification: The right to correct or update inaccurate or incomplete personal data.
  • Erasure (Right to be Forgotten): The right to request the deletion of your personal data, under certain circumstances.
  • Restriction: The ability to limit our use of your personal data in specific situations.
  • Portability: The right to receive a copy of your personal data in a structured, commonly used format.
  • Objection: The right to object to the processing of your personal data for specific purposes.
  • Non-Discrimination: The right to be free from discriminatory practices based on your exercise of data protection rights.

To exercise these rights or to file appeals/complaints regarding data handling, please contact our privacy team using the information provided below.

Changes to Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any modifications will be posted on this page with a revised effective date. We encourage users to review this policy periodically to stay informed about how we protect your personal information.

Contact Information

For any queries related to privacy, data protection, unsubscribe requests, or if you have specific questions regarding our practices, please contact us: