PRIVACY POLICY

Welcome to MyResourceHelper.com (“Site”, “we”, “us”, or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regard to your personal information, please contact us at [email protected].

This privacy policy applies when you visit our website MyResourceHelper.com. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. Please read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our website and/or our services.

This privacy policy applies to all information collected through our website and/or any related services, sales, marketing or events (collectively the "Site").

Our Site hosts content and articles that provide information and/or feature products and services from our marketing partners. The Site also links out to third party websites. If you use or sign up on any of those third party websites, you are governed by the terms and policies of those third party websites. Please review the privacy policy applicable to the third party websites you are using before proceeding.

Our Site and related services are available to United States residents only. If you are a resident of a European Union Member State, you are not permitted to use the Site and its services.

Please read this privacy policy carefully as it will help you make informed decisions about sharing your personal information with us.

1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE USE YOUR INFORMATION?
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
6. HOW LONG DO WE KEEP YOUR INFORMATION?
7. HOW DO WE KEEP YOUR INFORMATION SAFE?
8. DO WE COLLECT INFORMATION FROM MINORS?
9. CAN YOU OPT-OUT?
10. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
11. DO WE MAKE UPDATES TO THIS POLICY?
12. HOW CAN YOU CONTACT US ABOUT THIS POLICY?
13. SUPPLEMENTAL PRIVACY NOTICE FOR CALIFORNIA RESIDENTS

1. Personal information you disclose to us

   Use of our Site. Access to our Site is free. We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about us or our services or otherwise contacting us.

   Use of our Services. If you subscribe as a member to receive exclusive content and marketing newsletters as set forth in our opt-in page, we will collect your full name, email address, and zip code. BY REGISTERING WITH OUR SITE, YOU CONSENT TO THE USE AND DISCLOSURE OF YOU PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY.

   Examples of personal information that we may collect include information that you choose to provide to us such as your address, phone number and other information that you voluntarily provide when filling out a survey form, a contact form, an application form for any product or service, or otherwise communicating with us on or through our Site.

   If you participate in any survey made available on the Site, you may be asked to provide information about your financial status or medical condition. Your participation in the survey and your responses to specific questions may be optional. However, we may not be able to provide you certain services if some information is not provided to us.

2. Information automatically collected

   Some information – such as IP address and/or browser and device characteristics – is collected automatically when you visit our Site.

   We automatically collect certain information when you visit, use or navigate the Site. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Site and other technical information. This information is primarily needed to maintain the security and operation of our Site, and for our internal analytics and reporting purposes.

   Like many businesses, we also collect information through cookies and similar technologies.

We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.

We use the information we collect or receive:

• To provide you the services you require. We may use your personal information to send you product, service and new feature information and/or information about changes to our terms, conditions, and policies. Where required, we ask for your consent to process your personal information in relation to certain marketing communications, including when you opt-in to receive calls and SMS alerts regarding offers that interest you. You can also opt-out of these marketing communications any time, either by contacting us or by utilizing the opt-out procedures made available on this Site.

• To share your submissions with our business partners. If you choose to participate in any survey made available on the Site with respect to certain offers, we use your information to match you with our business partners and share your information to the extent necessary for you to connect or otherwise avail of their offers. Depending on the information you provide to us, we may also link you out to third party sites.

• Deliver targeted advertising to you. We may use your information to develop and display content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.

• Request or provide feedback. We may use your information to request feedback and to contact you about your use of our Site.

• To protect our Site. We may use your information as part of our efforts to keep our Site safe and secure (for example, for fraud monitoring and prevention).

• To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

• For other business purposes. We may use your information for other business purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Site, our services, products, marketing and your experience.

We only share information with your consent, to comply with laws, to protect your rights, or to fulfill business obligations.

We only share and disclose your information in the following situations:

• Compliance with Laws. We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).

• Vital Interests and Legal Rights. We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

• Vendors, Consultants and Other Third-Party Service Providers. We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: data analysis, email delivery, hosting services, customer service and marketing efforts. We may allow selected third parties to use tracking technology on the Site, which will enable them to collect data about how you interact with the Site over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. Unless described in this policy, we do not share, sell, rent or trade any of your information with third parties for their promotional purposes.

• Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

• Third-Party Advertisers. We may use third-party advertising companies to serve ads when you visit the Site. These companies may use information about your visits to our Site and other websites that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you.

• Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy policy. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

• Business Partners. We may share your information with our business partners to offer you certain products, services or promotions. Where you specifically indicate an interest for a commercial offer, we may share information to business partners with products and services potentially responsive to your area of interest.

• With your Consent. We may disclose your personal information for any other purpose with your consent.

We may use cookies and other tracking technologies to collect and store your information.

A cookie is a small file placed on the hard drive of your computer. We use cookies to store users' preferences and to record session information, for purposes including ensuring that users are not repeatedly offered the same material and to customize any advertising and website content based on browser type and user profile information.

You may disable cookies by adjusting the settings on your Web browser. You may be able to configure your browser to accept or reject all or some cookies, or notify you when a cookie is set. Each browser is different, so you may wish to review the "Help" menu of your browser to learn how to change your cookie preferences. Note, however, that you may be required to enable cookies in order to use certain functions on our Site. 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 Site.

Our Cookies - Our cookies are “first-party cookies,” and can be either permanent or temporary. These are necessary cookies, without which the Site won't work properly or be able to provide certain features and functionalities. Some of these may be manually disabled in your browser, but may affect the functionality of the Site.

Security Cookies - Security cookies help identify and prevent security risks. We use these cookies to authenticate users and protect user data from unauthorized parties.

Site Management Cookies - Site management cookies are used to maintain your identity or session on the Site. These cookies cannot be turned off individually, but you can disable all cookies in your browser.

Third-Party Cookies - Third-party cookies may be placed on your computer when you visit the site of companies that run certain services we offer. These cookies allow the third parties to gather and track certain information about you. These cookies can be manually disabled in your browser.

Other Tracking Technologies - In addition to cookies, we may use web beacons, pixel tags, and other tracking technologies on the Site to help customize the Site and improve your experience. A “web beacon” or “pixel tag” is a tiny object or image embedded in a web page or email. They are used to track the number of users who have visited particular pages and viewed emails, and acquire other statistical data.

We are not responsible for the safety of any information that you share with third-party providers who advertise on or otherwise links from our Site.

The Site may contain advertisements from third parties that are not affiliated with us and which may link to other websites, online services or mobile applications. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy policy. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services or applications that may be linked to or from the Site. You should review the policies of such third parties and contact them directly to respond to your questions.

We keep your information for as long as necessary to fulfill the purposes outlined in this privacy policy unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Site and/or our Services is at your own risk. You should only access the services within a secure environment.

We do not knowingly collect data from or market to children under 18 years of age.

By using the Site, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Site and/or our Services. If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at [email protected].

If you have registered to access exclusive content and receive marketing newsletters, you may opt-out by sending us an e-mail with the subject line “CANCELLATION” to [email protected]. You must send your request from the email address you provided at the time of registration so we can uniquely identify you. You may also use the unsubscribe option made available through your account or our newsletters.

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for our offerings, as well as to respond to any inquiry or request made by you. To opt-out of receiving messages from us relating to your request for our offerings and/or inquiries, you must cease requesting and/or utilizing our offerings and/or cease submitting inquiries to us, as applicable.

Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

The California Consumer Privacy Act of 2018 (CCPA) permits our users who are California residents to request and obtain from us, free of charge, information about categories of personal information (if any) we disclosed to third parties and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. The CCPA also permits our users who are California residents to delete any personal information we have about them.

If you are a California resident and would like to make such a request, please submit your request in writing to [email protected].

Please refer to our Supplemental Privacy Notice for California Residents for more information.

Yes, we will update this policy as necessary to stay compliant with relevant laws.

We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

If you have questions or comments about this policy, please contact us at [email protected].

This Supplemental Privacy Notice supplements the information in our Privacy Policy above to comply with the California Consumer Privacy Act of 2018 (CCPA) and applies solely to all consumers who interact with the Site and/or use our Services who reside in the State of California. Terminology defined in the CCPA is defined the same here. No provision of this Supplemental Notice may be construed to provide consumers any rights (or our company any obligations) beyond those required by the CCPA and other applicable law.

Disabled consumers who need these disclosures presented in an alternate medium may contact us at [email protected].

Personal Information That We Collect

By providing your personal information to us, asking to be contacted or using us to interact with a third party, you are also specifically directing us to disclose your information to any third-parties listed, along with others who we feel may have information or offers you may be interested in.

We collect personal information directly from you and by observing your interactions on our website which identifies, relates to, describes and/or is capable of being associated with or could reasonably be linked, directly or indirectly, with a particular consumer, household or device.

We collect the categories of information listed below.

We obtain personal information from the following categories of sources

1. Client or their agents, directly or indirectly

2. Third parties, advertising networks, consumer data resellers, data analytics providers, government entities, internet service providers, social networks, operating systems and platforms

3. Website interactions from our contact us and other web forms.

How We Use Personal Information regulated by the CCPA

Sharing Personal Information

We may disclose your personal information to a third party (eg: Service providers and data aggregators) for a business purpose. When we disclose your information for business purposes our contracts state the purpose and requires all parties use personal information for the sole purpose of executing the contract and also that all personal information be kept confidential.

Personal Information Disclosed in the Last 12 Months

In the last twelve months, we have disclosed the categories of personal information below for a business purpose.

1. Unique personal identifiers? Yes

2. Characteristics of protected classifications under California or federal law? Yes

3. Commercial information? Yes

4. Internet or other electronic network activity information? Yes

5. Geolocation information? Yes

6. Personal Information not governed by the CCPA? Yes

Personal Information Sold in the Last 12 Months.

In the last twelve months, we have sold the categories below of personal information for a business purpose.

1. Unique personal identifiers? Yes

2. Characteristics of protected classifications under California or federal law? Yes

3. Commercial information? Yes

4. Internet or other electronic network activity information? Yes

5. Geolocation information? Yes

6. Personal Information not governed by the CCPA? Yes

Your Rights and Choices

The CCPA provides consumers with specific rights regarding their personal information if they are California residents. The following is an overview of these rights and an explanation of how to exercise them.

1. Specific Information Access and Data Portability Rights California residents have the right to request the disclose of what CCPA personal information we have collected about them in the last twelve months and what we have used it for during this time period. To the extent required by the CCPA, when we receive a verifiable consumer request, we will disclose the following information, after verifying your identity, if we can:

   1. Business or commercial purposes for collecting or selling personal information.

   2. Categories of personal information collected about you.

   3. Categories of sources we use to collect personal information about you.

   4. Categories of third parties we share your personal information with.

   5. Internet or other electronic network activity information collected or maintained.

   6. Personal information categories that each information recipient category disclosed to each recipient.

   7. Personal information categories that each information recipient category sold to each recipient.

   8. Specific pieces of personal information we collected about you, so that you can make a data request. We will provide you with this information in a portable format.

   9. Whether we disclosed or sold your personal information for a business purpose, two separate lists.

2. Deletion Request Rights California residents have the right to request that we delete any of the CCPA personal information which we collected about them. After we have received and confirmed your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete your personal information and instruct our service providers to delete your information as well. We may not delete your information if it is required to us or our service providers to do the following:

   1. Completing the contract or transaction for which we collected the personal information, providing goods or services requested, taking reasonable actions within the scope of our ongoing business relationship with you.

   2. Complying with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.), and other legal obligations.

   3. Complying with free speech rights, engaging in free speech, ensuring consumers right to exercise their free speech.

   4. Complying with other laws.

   5. Finding and resolving defects or errors impacting intended service or website functionality.

   6. Internal processes in alignment with your relationship with us.

   7. Identifying security risks, protecting against deceptive, fraudulent, malicious, or illegal activity, or prosecuting individuals involved in such activities.

   8. Participating in public or peer-reviewed historical, scientific, or statistical research which is in the public interest and abides by ethics standards, if the information is required to complete the research and you have provided informed consent.

3. Exercising Access, Data Portability, and Deletion Rights Only you or someone registered with the California Secretary of State who is authorized to act in your interests may make a request for information or deletion. Once you have made a verifiable consumer request, we will provide your personal information in a portable manner so that you can access it easily. Any information you provide will only be used to verify your identity. You can make a request following the instructions below:

   1. Use our online Request to Know form or email us using the contact information found at the end of this notice. We will confirm receipt within 10 days and then provide a written response within 45 days. If we require more time (up to 90 days), we will inform you in writing of the reason.

   2. Provide us with information necessary to verify your identity so that we may release the information to the individual to whom it belongs, or an authorized representative.

   3. Provide enough detail in your request that we understand you, can evaluate the request and provide an answer.

   4. Select the format in which you would like to receive your personal information. This format should be readily accessible and allow you to transport the data to others without issue.

   5. We will provide access to your personal information for the last twelve-month period or provide an explanation as to why we cannot comply with the request.

   6. There is no fee to process your verifiable consumer request unless it is excessive. In with case we will inform you of the fee before proceeding.

   You will need to prove your identity to us. In some cases, we might not be able to successfully verify your information and in such a case, we will notify you as to why we cannot provide it.

4. Personal Information Sales Opt-Out and Opt-In Rights California residents who are sixteen years of age or older have the right to dictate that we do not sell their personal information. If you opt-in to information sales with a third party, either verbally or in writing, you may opt-out from that third party at any time. Minors are not allowed to use our websites or services and we do not intentionally collect any personal information for or regarding those under the age of eighteen.

5. Financial Incentives & Non-Discrimination Rights To the extent required by the CCPA, we will not discriminate against individuals who choose to exercise any of their rights under the CCPA. Unless allowed by the CCPA, we will not:

   1. Deny you services because you exercised your rights.

   2. Charge different rates or prices, impost penalties or grant differential discounts for punitive purposes.

   3. Provide (or suggest) those who exercise their rights a different level of service.

6. Other California Privacy Rights

   California's "Shine the Light" law (Civil Code Section § 1798.83) provides California residents with the right to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make a request, please contact us using the contact information found at the end of this notice.

Changes to Our Privacy Notice

We reserve the right to amend this notice of privacy at any time and at our sole discretion. When changes are made, we will post a notice on the main website and the date the changes take effect. Continued use of this website indicates your acceptance of these changes.

Contact Information

If you have any questions, comments or queries about our privacy policy, how we collect or use personal information, your rights regarding such use, or how to exercise your rights please feel free to contact us at the following email address: [email protected].