Last modified: March 2, 2020

Introduction

Webcollex, LLC d/b/a CKS Financial (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.cksfin.com (our “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information.

This policy applies to information we collect:

• On this Website.
• In e-mail, text and other electronic messages between you and this Website.
• Through any mobile or desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.

It does not apply to information collected by:

• us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
• any third party (including our affiliates and subsidiaries), including through any application or content that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

• by which you may be personally identified, such as name, postal address, e-mail address, telephone number and any other identifier by which you may be contacted online or offline (“personal information”); and
• anyabout your internet connection, the equipment you use to access our Website and usage details.

We collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies.
• From third parties, for example, our business partners.

Information You Provide to Us. The information we collect on or through our Website may include:

• Information that you provide by filling in forms or interactions on our Website. This includes information provided at the time you contact us, providing payment information, entering a request for information or requesting further services. We may also ask you for information when you report a problem with our Website.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Details of transactions you carry out through our Website, such as a chat or payment transaction.

Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable.

Information We Collect Through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system and browser type.

We currently do not respond to a web browser�s Do-Not-Track signals. For more information about Do Not Track, click here.

The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices about How We Use and Disclose Your Information.
• Web Beacons. Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal Information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Third-party Use of Cookies and Other Tracking Technologies

Some content or applications on the Website are served by third-parties. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you.
• To provide you with information or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account, including payment or other notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Website or any products or services we offer or provide though it.
• In any other way we may describe when you provide the information.
• To contact you through mail, email, text or telephone call, including the use of an automatic telephone dialing system.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

• To our subsidiaries and affiliates when permitted by law.
• To contractors, service providers and other third parties we use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company�s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by the Company about our Website users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law or legal process, including to respond to any government or regulatory request.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and risk reduction.

Online Payments

You may make payments on our Website (“Online Payment”) through our online payment portal (“Payment Portal”). If you chose to do so, you agree to these Online Payment Terms.

You may log into our Payment Portal by providing the requested verification information. Once you have gained access, your account(s) information will show the original creditor, the merchant, account balance and any account offers that may be available. You may pay your outstanding obligation by initiating a one-time payment or enrolling in a payment plan. If you initiate any Online Payment through the Payment Portal, you authorize us to charge your debit card or credit card or initiate a debit from the bank account you enter on the Payment Portal. You represent to us that you have the legal right to use the debit or credit card you designate for payment through the Payment Portal.

• One-Time Payments: You may initiate a one-time payment through the Payment Portal using your debt card, credit card or by Electronic Funds Transfer (“EFT”) from your bank account. You may designate the payment date and we will process the payment on that date. Your financial institution may have limits on your ability to initiate a payment. We will not accept payment for more than the full obligation on your account. You cannot make changes to a payment on the same day that the payment is scheduled to be debited. Any changes you make will go into effect on the next business day. We may also reject any payment if we suspect fraud, unauthorized use of the payment account or as otherwise required by law.
• Payment Plans: We may also permit you to schedule regularly recurring payments to be deducted automatically from your bank account on the date you select, or to charge your credit card. You may cancel these recurring payments by changing the settings in your account in the Payment Portal. You cannot cancel the recurring payments on the day that a payment is scheduled. If you enroll in a payment plan, we will send to you notices of the next recurring payment and payment amount via the method you have selected (email, text, or mail). On occasion, we may determine that you are no longer eligible to participate in recurring payment plans and we reserve the right to terminate the recurring payment plan in our sole discretion. If we terminate the recurring payment plan, we will notify you and you will thereafter be required to make payments using an alternative method.
• Updated Payment Information: You are solely responsible for keeping your payment information current and for ensuring you have sufficient funds to cover the full amount of any payments you make to us. Your bank may charge your insufficient fund charges (“NSF”) for any payment authorized by you in which you do not have sufficient funds. We are not liable for any such NSF fees. You also agree that we may obtain financial information regarding your payment choices, such as bank account, or credit card information, from your financial institution for the purpose of performing the payments you have authorized, resolving payment issues and to ensure verification of your account information.
• Unauthorized EFTs and Processing Errors: If there is an unauthorized EFT to us, you must immediately report it to us or to your bank. You may notify us by calling, emailing or writing to us. For any subsequent transfers, you are solely liable to the extent permitted by state law. If you believe we have applied a payment in error, you must notify us by email, telephone or in writing. You must be able to provide to us your name, account number and tell us why your believe an error exists. We will promptly investigate and report the results to you, typically within 30 days of receipt of your notice of the error. If we determine that no error occurred, or that an error occurred in a manner or amount different from the error you notified us about, we will report our results to you in writing. Upon your request, we will provide to you copies of the relevant documents.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our servers behind firewalls. Any payment transactions and personally identifiable information will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a login and password for access to certain parts of our Website, you are responsible for keeping this login and password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Disclaimer of Warranties.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, INCLUDING ALL CONTENT, MATERIALS AND FUNCTIONALITY ON THE WEBSITE, ARE PROVIDED “AS IS” AND WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FITNESS FOR ANY PARTICULAR PURPOSE. WE FURTHER DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION, TEXT GRAPHICS, LINKS OR OTHER ITEMS CONTAINED IN THE MATERIALS.

The laws of certain states may not allow certain disclaimers of warranties with respect to consumers, in which case the limitations and disclaimers above apply to the maximum extent permitted by your jurisdiction.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at legal@cksfin.com or via our toll-free number: 1-800-984-3710

CALIFORNIA RESIDENTS- THE INFORMATION BELOW DESCRIBES YOUR RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT

This Policy is Effective: January 1, 2020

What is the California Consumer Privacy Act (the “CCPA”)?

If you are a California resident, the information below also may apply to you, in addition to the Website Privacy Policy listed above. The information below applies to both information we collect on the website and offline, such as through telephone calls.

Collection and Disclosure

During the previous 12 months prior to the date of this Website Privacy Policy, we may have collected the following types of information about you:

• Identifiers, such as your name, postal address, IP address, email address, telephone number, or other similar identifier;
• Internet or other electronic network activity, such as your interaction with our website;
• Audio or electronic information such as any calls you placed to us.

We may have obtained personal information about you from the following:

• From your devices when interacting with our website;
• From our affiliate and subsidiaries; or
• From vendors who provide services for us.

We may have collected personal information about for the following business reasons:

• Performing services, including servicing or maintaining accounts, providing customer service, processing transactions, verifying consumer information, processing payments, providing analytical or similar services;
• Detecting security incidents and protecting against malicious, deceptive, fraudulent or illegal activity;
• Auditing our interactions with you, such as for compliance purposes;
• For internal research and optimization to provide more efficient services to you; or
• To debug or repair errors that may impair existing functionality.

We may share your information with the following categories of third parties:

• Professional organizations, such as law firms, independent auditors, or our clients;
• Vendors who provide to us services; or
• Government or law enforcement agencies.

We do not sell and have not sold personal information during the 12-month period prior to the effective date of this policy.

What are your rights under the CCPA?

You have the right to request the following information about the personal information we have collected about you during the previous twelve months. You may request this information twice in a twelve month period:

• The categories and specifics pieces of personal information we have collected about you;
• The categories and sources from which we collected the personal information;
• The business or commercial purpose for which we collected or sold the personal information.
• The categories of third parties with whom we shared the personal information; and
• The categories of personal information about you that we sold or disclosed for a business purpose and the categories of third parties wo whom we sold or disclosed that information for a business purpose.

You have the right to request that we delete the personal information we have collected from you. We will not deny, charge different prices for, or provide a different level or quality of goods or services if you choose to exercise these rights. This request to delete may be denied if retaining the information is necessary to:

• Complete the transaction for which we collected the personal information;
• Provide a good or service as requested by you;
• To perform a contract or take specific action with you in respect to our ongoing business relationship;
• To detect security incidents or malicious, fraudulent or illegal activity and to prosecute the same;
• To comply with a legal obligation; or
• To use the personal information for other lawful use that are compatible within the context in which you provided it.

How do you contact us?

You may contact us via email at cksprivacy@cksfin.com or via our toll-free number: 1-800-984-3710