EASE WINS, LLC Websites

Privacy Policy

Last Modified: February 6, 2019

The following Privacy Policy is applicable to the use of the BillExperts website and any other affiliated websites displaying content that we create, owned and operated by EASE WINS, LLC (“BillExperts,” “we,” “our” or “us”). This Privacy Policy describes our practices associated with collecting, using, and sharing information that is personally identifiable to a user (“PII”) and information that is not personally identifiable to a user (“non-PII”). For purposes of this Policy, PII and non-PII will be referred to as “Information.”

By accessing and using one of our websites or other web venues that we own and operate (collectively, the “Websites” and each a “Website”), which offers users the opportunity to lower their bills (collectively, “Services”) you agree to the terms of this Privacy Policy. If you do not agree to and accept these terms in their entirety, please do not use or visit a Website or participate in any Service. In this Privacy Policy, we also describe additional rights that California users have under the California “Shine the Light” law.

TYPES OF INFORMATION WE COLLECT

Here are some of the types and ways we collect Information from users:

  1. User-provided Personal Information

    When you use our Service, you may provide and we may collect certain types of Information, such as your name, e-mail address, mailing address, mobile phone number, demographic information, gender, and date of birth. For example, you may provide Information when you fill out forms or fields on our Website, when you participate in online surveys, when you contact us or request information about us, this Site and our Service, when you submit user content, or when you register for an account.

  2. User-provided Financial, Professional and Health Information

    When you use certain portions of the Service you may be asked to fill in and submit a form that collects:

    1. your personal financial information, such as your current income level, current expenses, investable assets, banking details, payment card information and other financial information;

    2. your professional information, such as your LinkedIn Profile; or

    3. any additional information you choose to provide in the free-text portions of our request forms.

  3. "Cookies" Information

    When you use the Service, we may send one or more cookies – small text files containing a string of alphanumeric characters – to your device.

  4. "Automatically Collected" Information

    We may also collect information relating to your activity on the site, such as your device ID and location, browser user agent, and referring URL, specifically the web pages or sites that you visit just before or just after the Service, the pages you view on the Service, your actions on the Service, and the dates and times that you visit, access, or use the Service.

  5. Third-Party Web Beacons and Third-Party Buttons

    We may also implement third-party content, or advertising on the Service that may use clear gifs or other forms of web beacons, which allow the third-party content provider to read and write cookies to your browser in connection with your viewing of the third-party content on the Service. Any Information collected by a third party in this manner is subject to that third party’s own data collection, use, and disclosure policies.

  6. Information from Other Sources

    We may use third-party data provided by related entities under common control (which includes our parent, subsidiaries and other entities under common control with us - collectively "Related Parties") to augment and/or verify the Information we collect from users and may also associate demographic and other data we collect, such as the user's browser and device, with their Information. We may also, at your direction, receive information from third-party services that provide a mechanism to expose information you have provided to such third party through the use of an application program interface (API), such as Facebook Connect.

CHILDREN AND NON-US RESIDENTS

The Site is intended to comply with the Children's Online Privacy Protection Act (COPPA). COPPA requires that web site operators never knowingly collect PII from anyone under the age of 13 without prior verifiable parental consent. We do not knowingly collect or retain information from the Websites from children under the age of 18 except we may collect a limited amount of Information from users who are over 13. The Websites are intended for use by U.S. residents who are not minors. If you are a minor, not a U.S. resident (no Canadian residents permitted), or do not agree with this Policy’s terms, please do not access or use our Websites.

USE AND SHARING OF INFORMATION

We may use Information and share it with our Related Parties and third parties (who may compensate us) in many ways and for many purposes including the following:

  • Provide the Service;
  • Bill you and collect payment for Services;
  • Assist with site operation and other communication services, we may share Information with third parties, including vendors and contractors who provide services to us;
  • Maintain suppression or opt-out lists that we may share with third parties so that a user is not contacted when the user has asked not to be;
  • Provide customer service and respond to inquiries;
  • Enable third-party marketing partners to contact you for marketing purposes;
  • Track online behavior for behavioral advertising and other marketing purposes. If a user registers on one of our Websites, the user may receive relevant third-party daily emails from that Website, its exclusive emailing partner and other websites we or our Related Parties own and/or operate;
  • Augment Information by enhancing it with other data sources provided by third parties and/or our Related Parties to enable us, for example, to gain deeper insights into our users;
  • Make telephone calls and send text messages to users with information and offers, provided the users consent to be marketed to in this manner as further described below;
  • Develop and/or enhance our Related Parties’ and/or third parties’ products and/or services;
  • If we are sold, merge with a third party, are acquired or are the subject of bankruptcy proceedings, your Information may be shared with the applicable third party(ies); if we are involved in one of these transactions, you will be notified via email and/or a notice on our Website of any change in ownership or uses of your Information, as well as any choices that you may have regarding your Information;
  • Respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims or when we determine it is necessary to comply with applicable laws or regulations; where permitted by applicable law, we will provide you with e-mail notice, and opportunity to challenge the applicable subpoena/request prior to disclosure of any Information; and
  • Assist with Website operation and other communication services, share Information with third parties, including our vendors and contractors.

We will use commercially reasonable efforts to limit use of the Information by these third parties as necessary for the purposes set forth above.

By submitting your Information to us on a Website, you agree that this is an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule, as amended (the “Rule”) and applicable state do-not-call regulations. This allows us to contact you via telemarketing even if your telephone number is listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists.

Where you provide “prior express written consent” within the meaning of the Telephone Consumer Protection Act (“TCPA”), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls delivered via automated technology and text and SMS messages, to the telephone number(s) that you provided from us and the marketing partners listed in and hyperlinked to the consent. You are not required to provide this consent to obtain access to our Promotions, products or services, and your consent simply allows us to contact you via these means. By agreeing to this Policy, you are obligated to immediately inform us if the telephone number that you provided us changes. If you: (a) have your telephone number reassigned to another person; (b) give up your telephone number; (c) port your telephone number to a landline or vice versa; or (d) otherwise stop using that telephone number, you agree to promptly contact us.

BEHAVIORAL ADVERTISING

Our Websites use Cookies to determine whether a user has previously visited our Site to streamline the registration process. Although we don’t use Cookies for other purposes, we and our third-party marketing partners and Related Parties reserve the right to use Cookies to track users’ online behavior after they leave a Website, and to collect Information that enables the tailoring of targeted offers and advertisements (to find out more about Cookies, please visit www.cookiecentral.com). We may share this and other Information with our third-party marketing partners, who may compensate us, and Related Parties. We are not responsible for the Information collected by our third-party marketing partners and Related Parties, for their use of this Information or for the privacy practices of other websites that are linked to our Websites.

Most computers are initially set up to accept Cookies, but you can reset your Internet browser to refuse all Cookies or to indicate when a Cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with the Internet browser you’re using. Even where you reject a Cookie, you may still use the Website but your ability to use certain feature offerings may be impaired. We may retain Cookie data indefinitely.

Users may opt-out from the collection of online viewing data for behavioral advertising purposes by companies who have elected to participate in one of the behavioral advertising opt-out mechanisms such as the Digital Adverting Alliance’s opt-out program located at http://www.aboutads.info/choices. As is the case with most websites, we have currently elected not to participate in any of these programs or alter our behavior when a user to one of our Websites has activated the “do-not-track” setting on their browser (see, “Browser “Do Not Track” Signals,” described below).

ACCESSING, CORRECTING AND DELETING YOUR INFORMATION

All users who provide their Information to us may modify, delete and/or correct their Information by contacting us. We will respond to your request within thirty (30) days. If you request deletion of your Information, please note that your Information will be suppressed from further use as described in this Policy. However, we will retain and may use your Information as necessary to comply with our policies including legal obligations, dispute resolution and enforcement of our agreements.

We ask individual users to identify themselves and the Information requested to be accessed, corrected or deleted (suppressed) before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning Information residing on backup tapes). Please be advised that deleting (suppressing) your Information may terminate your access to some of our offerings. If you wish to continue using the full complement of our services, you may not be able to delete (suppress) all of the Information that we have on file for you.

YOUR CALIFORNIA PRIVACY RIGHTS

The California “Shine the Light” law permits users who are California residents to request information regarding our disclosure of their Information to third parties, including the categories of Information shared and a list of the names and addresses of third parties with whom the Information was shared. If you are a California resident and would like a copy of this notice, please submit a request by contacting us. In your request, please specify that you want "Your EASE WINS, LLC California Privacy Rights Notice." Please allow thirty (30) days for a response.

BROWSER “DO NOT TRACK” SIGNALS

Most browsers contain a “do-not-track” setting. In general, when a “do-not-track” setting is active, the user’s browser notifies other websites that the user does not want their personal information and online behavior to be tracked and used, for example, for behavioral advertising. As required by the Shine the Light law, we are required to inform you that, as is the case with most websites, we do not honor or alter our behavior when a user to one of our Websites has activated the “do-not-track” setting on his/her browser.

SECURITY

We use certain physical, managerial, and technical safeguards that are designed to improve the integrity and security of your Information. We cannot, however, ensure the security of any Information you transmit to us or store with us, and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical,

CHANGES TO THIS POLICY

We reserve the right to revise and update this Privacy Policy at any time. If we make material changes to this Policy, we will post notice on our Website. Any such revisions will be effective thirty (30) days after posting to the Website, and will apply to all Information collected by us both before and following the effective date. If we expand the way we use PII, we will notify users by: (a) sending the modified policy to our users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether we use your PII in this different manner and we will only use your PII in this way where you opt-in to such use. Users should periodically visit this Policy to review our current policies on our collection and use of Information.

QUESTIONS, SUGGESTIONS, OR TO CONTACT US

If you have any questions, comments, complaints, or suggestions regarding this Privacy Policy or our Website(s), please contact us.