This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
What Personally Identifiable Information do we collect from the people that visit our blog, website, app or fill out an application for financing?
When filling out a form or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number or other details about yourself and your business such as social security number, tax id number, credit history and financial data.
When do we collect information?
We collect information from you when you register on our site, fill out a form or enter information on our site, and when you fill out an application for financing.
How do we use your information?
We may use the information we collect from you when you register, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
- To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested.
- To improve our website in order to better serve you.
- To allow us to better service you in responding to your customer service requests.
How do we protect your information?
Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.
We do not use Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.
We use cookies to:
- Understand and save user’s preferences for future visits.
- Keep track of advertisements.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, some features will be disabled. It won’t affect the user’s experience that make your site experience more efficient and may not function properly.
However, you will still be able to place orders.
Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We have not enabled Google AdSense on our site but we may do so in the future.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’ and can be easily be found on the page specified above.
You will be notified of any Privacy Policy changes:
- On our Privacy Policy Page
Can change your personal information:
- By logging in to your account
How does our site handle Do Not Track signals?
We honor Do Not Track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking?
It’s also important to note that we allow third-party behavioral tracking. Kapitus has partnered with a number of selected service providers, whose services and solutions complement, facilitate and enhance our own. These third parties include, but are not limited to communications and content delivery networks (CDNs), data and cyber security services, billing and payment processing services, domain name registrars, fraud detection and prevention services, web analytics, e-mail distribution and monitoring services, performance measurement and data optimization services, and content providers.
Such Third Party Services may receive or otherwise have access to our Visitors’ and Users’ Personal Information and/or Users-of-Users’ Personal Information, in its entirety or in part – depending on each of their particular roles and purposes in facilitating and enhancing our Services, and may only use it for such purposes.
Note that while our Services may contain links to other websites or services, we are not responsible for such websites’ or services’ privacy practices, and encourage you to be aware when you leave our Services and read the privacy statements of each and every website and service you visit.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
- Within 7 business days
We will notify the users via in-site notification
- Within 7 business days
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
To be in accordance with CANSPAM, we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can email us at info@amrkenterprises.com and we will promptly remove you from ALL correspondence.
Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.
Internal Do Not Call (DNC) Policy
AMRK respects the privacy of individuals and is committed to complying with all applicable laws and regulations regarding telephone communications. This Internal Do Not Call (DNC) Policy outlines our internal procedures for managing and honoring DNC requests.
1. Policy Overview
We maintain an internal Do Not Call list in accordance with federal and state laws. Any individual who requests not to receive telephone solicitations from us will be added to this list.
2. How to Request DNC Status
Individuals may request to be placed on our internal Do Not Call list by:
- Responding directly to a call and requesting not to be contacted again
All requests will be processed promptly. To ensure accuracy, we ask that individuals provide the phone number(s) they wish to have placed on the list.
3. Timeframe for Processing
We process DNC requests as quickly as possible and no later than 30 days from the date of the request, as required by law.
4. Duration of DNC Status
Once added, a number will remain on our internal DNC list indefinitely, unless the individual provides written or verbal authorization to resume communications or initiates contact with us again.
5. Limited Exceptions
This policy applies to telemarketing communications only. It does not apply in the following situations:
- Calls made in response to an inquiry or application initiated by the consumer
- Non-marketing communications (e.g., account updates, servicing information)
- Existing business relationships where contact is permitted under law
6. Legal Compliance
We make reasonable efforts to comply with all applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA) and Do Not Call Implementation Act, and to ensure that our staff are trained accordingly.
“DO NOT CALL” COMPLIANCE POLICY
The purpose of this document is to explain Premium Capital’s “Do Not Call” policy to all employees, customers, and the public. This document may be shared outside Premium Capital with anyone who wishes to learn about Premium Capital’s Do Not Call policy.
It is the policy of Premium Capital to fully comply with all applicable telemarketing laws and regulations regarding wireless telephone communications.
Federal and state governments have placed restrictions on the use of texts to contact customers and potential customers. For the most part, compliance with these laws and regulations requires an understanding of Premium Capital’s internal Do Not Call list and the various federal and state Do Not Call Registries.
“DO NOT CALL” COMPLIANCE POLICY
The purpose of this document is to explain AMRK Enterprises’s “Do Not Call” policy to all employees, customers, and the public. This document may be shared outside AMRK Enterprises with anyone who wishes to learn about AMRK Enterprises’s Do Not Call policy.
It is the policy of AMRK Enterprises to fully comply with all applicable telemarketing laws and regulations regarding wireless telephone communications.
Federal and state governments have placed restrictions on the use of texts to contact customers and potential customers. For the most part, compliance with these laws and regulations requires an understanding of AMRK Enterprises’s internal Do Not Call list and the various federal and state Do Not Call Registries.
AMRK Enterprises’s Internal Do Not Call List
AMRK Enterprises maintains an internal Do No Call list. All employees have access to this list.
If someone wishes to be added to the internal Do Not Call list, they must provide AMRK Enterprises with their number, and it will be added to the list within ten business days.
Requests to be added the internal Do Not Call list may be received by phone, text, or email. The requests must be honored regardless of how they are received. All requests to be added to the internal Do Not Call list should be sent to the designated email compliance@premiumconsolidation.com
However, the list is organized by phone number, not identity, so if a consumer changes their number, they must make a new request to be added to the internal Do Not Call list. Similarly, if someone has multiple numbers, they must provide each number they want added to the list.
When a request comes in, AMRK Enterprises may ask for the consumer’s name and address, but if they do not want to provide that information, the request should still be honored. If someone wishes to know how to make a written request to have a number placed on AMRK Enterprises’s internal Do Not Call list, instruct them to email compliance@premiumcapital.com
The phone number or numbers should remain on this list until a consumer asks the number to be removed, or five years, whichever is earlier.
When a number is placed on AMRK Enterprises’s internal Do Not Call list, no marketing texts should be sent to that number. AMRK Enterprises may still, however, text surveys, billing, and other service communications to the number. If an employee has any questions as to what constitutes a marketing text, they should ask their manger or supervisor.
Federal and State Do Not Call lists
The Federal Trade Commission provides a service which allows consumers to place their phone numbers on a national “Do Not Call” list. Several states also have their own Do Not Call lists. AMRK Enterprises periodically compares these lists to its database and flags any numbers in its database that are registered on the national or state lists.
Unless AMRK Enterprises has received consent from the consumer, marketing tests must not be sent to numbers that are registered on the national or state lists. If an employee has any questions as to what constitutes “consent,” they should ask their manger or supervisor.
Training Policy
All AMRK Enterprises employees that communicate with customers and potential customers must be trained in AMRK Enterprise’s Do Not Call policy and made aware of these procedures. A copy of this policy must be given to all new hires and given to all employees whenever the policy is updated. Managers and supervisors must train new hires in the use of this policy. This training is mandatory.
In addition, managers and supervisors must review the policy with all employees who have contact with customers and potential customers semi-annually. Further review or training will occur as needed, e.g. if there is a major change in the policy that must be implemented by AMRK Enterprises. If any employee has questions about this policy, they should contact their manager or supervisor.
Procedure For Complaints
If there is a complaint from anyone that they received an unwanted text message from AMRK Enterprises even though they were placed on AMRK Enterprises’s internal Do Not Call list or a government Do Not Call list, contact your supervisor immediately and provide the number or numbers at issue, a copy of the text, and any other pertinent information. Management will take any corrective measures that are needed, and determine the status of the number. Employees will receive an update as soon as the investigation is complete.