CKS Website Privacy Policy

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:

It does not apply to information collected by:

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:

We collect this information:

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

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:

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:

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:

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:

We may also disclose your personal information:

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.

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:

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

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

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

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:

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:

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