We might receive or collect several types of information about you, such as the information described below.
Information You Provide
The following are situations in which you may provide Your Information to us:
Information Third Parties Provide We may collect information about you from sources other than you, such as from social media websites (i.e., Facebook, LinkedIn, Twitter or others), other users and our business partners.
General Use and Preference Information We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.
Device Information When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.
Location Information If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties.
Phone Numbers We may collect your phone number in several ways. For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) by capturing your phone number if you call us; or (iii) if a third party provides your phone number to us.
Technologies such as cookies, beacons, tags and scripts are used by us and our partners, affiliates, advertisers, analytics teams, or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use Local Storage Objects (LSOs) such as HTML5 Storage to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML5 Storage to collect and store information.
Network Advertising From time to time, we may participate in, partner with, or use advertising networks, such as third-party advertising servers, advertising agencies, technology vendors and research firms. For example, we use Google AdSense to publish ads on our Services. When you view or click on an ad, a cookie will be set to help better provide advertisements that may be of interest to you on this and other Web sites. In addition, we may use third-party advertising networks to serve advertisements to you on our Web site, or to manage our advertising on other sites. Our third party partners may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. This practice is often referred to as “online behavioral advertising.” Please see the “Online Behavioral Advertising” subsection of Choices About How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.
Our web servers support the TLS and Secure Sockets Layer (SSL) transport and encryption protocols. The purpose of these protocols is to keep the information passed back and forth between a web server and its users confidential. In addition, we use cipher suites that offer at minimum 112 bit encryption. We work to protect personally identifiable information stored on the site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username, member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
We may make Use of Your Information for various lawful business purposes. Among others, these purposes may include using Your Information to:
We may disclose Your Information:
If you do not want Your Information shared as described above, then you should not provide us with Your Information.
Requests for Quotes, Information and Services from Service Providers.
As noted above, we may share Your Information with Service Providers when you use our Services to obtain or request a quote, services or information from one or more third parties (an “Inquiry”). The Service Providers we may share Your Information with may be determined subsequent to your Inquiry (e.g. after you talk to a family advisor or by an automated matching algorithm). IF YOU SUBMIT AN INQUIRY, SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY VIA MAIL, TELEPHONE, TEXT MESSAGE, FAX, EMAIL AND OTHER MEANS OF COMMUNICATION. IN ORDER TO ASSIST YOU IN FINDING SENIOR CARE, YOU MAY RECEIVE CALLS FROM OUR FAMILY ADVISORS OR SERVICE PROVIDERS AS A CONSEQUENCE OF SUBMITTING AN INQUIRY THROUGH OUR SERVICES, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY. THE FCC MAY VIEW THESE CALLS AS TELEMARKETING CALLS.
If you are matched with Service Providers, you expressly consent to the Service Providers conducting any research necessary to provide you with information related to your Inquiry. Service Providers may need to share Your Information to conduct such research. If you do not want Service Providers to conduct necessary research to provide you with information for your Inquiry, then you should not submit an Inquiry.
Please note that if you submit an Inquiry through our Services and we share Your Information as described above in connection with your Inquiry, you will not have the opportunity to opt out of the disclosure of Your Information in connection with that Request.
Aggregation and De-Personalization We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information). We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.
You must be at least 13 years of age to register with or use certain portions of the Services. The Services are not intended for children under 13 years of age. No one under 13 years of age may provide any personally identifiable information to or on the Services. We do not knowingly collect personally identifiable information from children under 13. If you believe that we may have any information from or about a child, please contact us at [email protected].
We offer publicly accessible interactive media through our Services. To request removal of Your Information from our community forum, contact us at [email protected]. In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.
We strive to provide you with choices regarding the personally identifiable information you provide to us. Below are some mechanisms that provide you with control over certain information:
Our Services are operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.
If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at [email protected].
Under the California Consumer Privacy Act of 2018 (“CCPA“), California residents have certain rights around PayingForSeniorCare’s collection, use, and sharing of their personal information.
PayingForSeniorCare collects various categories of personal information when you use the Service, including identifiers, commercial information, internet or other electronic network or device activity information, and geolocation data. A more detailed description of the information PayingForSeniorCare collects and how we use it is provided above in Information We Collect and Receive About You and How We Use Information. Furthermore, the section How We Disclose Information describes the categories of third parties with whom we may share personal information, and what information may be shared under different circumstances.
If you are a resident of California, you have the right to request to know what personal information has been collected about you, and to access that information. You also have the right to request deletion of your personal information, though exceptions under the CCPA may allow PayingForSeniorCare to retain and use certain personal information notwithstanding your deletion request. You may send your request for access to that information or request deletion by email to [email protected]. We will not discriminate against you for exercising your rights under the CCPA. An agent may submit a request on your behalf, but you must verify that your agent is authorized to do so.
Separate from the CCPA, California’s Shine the Light law gives California residents the right to ask companies what personal information they share with third parties for those third parties’ direct marketing purposes.
Such requests must be submitted to us at [email protected] or in writing at:
Attn: Legal Department
615 S College Street
Charlotte, NC 28202
California privacy rights requests must include the reference “Request for California Privacy Information” on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.