Privacy Policy

We respect your privacy and are committed to protecting it through our compliance with this privacy policy (“Policy”). This Policy describes the types of information we may collect from you or that you may provide (“Personal Information”) on the barcorpfinancialgroup.com website (“Website” or “Service”) and any of its related products and services (collectively, “Services”), and our practices for collecting, using, maintaining, protecting, and disclosing that Personal Information. It also describes the choices available to you regarding our use of your Personal Information and how you can access and update it.

COLLECTION OF PERSONAL INFORMATION

You can access and use the Website and Services without disclosing your identity or providing any personal information that identifies you as an individual. However, to use certain features offered on the Website, you may need to provide Personal Information (e.g., your name and email address).

We receive and store any information you knowingly provide when you create an account or complete any forms on the Website. This information may include:

Account details (such as username, unique user ID, password, etc.)
Contact information (such as email address, phone number, etc.)
Basic personal information (such as name, country of residence, etc.)
Geolocation data of your device (such as latitude and longitude)

Some information is collected directly from you via the Website and Services. Additionally, we may collect Personal Information about you from other sources such as social media platforms and our joint partners. This information may include demographic details (e.g., age, gender), device information (e.g., IP addresses), location (e.g., city, state), and online behavioral data (e.g., use of social media websites, page views, search results).

You can choose not to provide Personal Information, but this may prevent you from using some features of the Website. If you are unsure about what information is mandatory, please contact us.

USE AND PROCESSING OF COLLECTED INFORMATION

We act as both a data controller and a data processor when handling Personal Information, unless we have a data processing agreement with you, in which case you are the data controller, and we are the data processor.

Our role may vary depending on the situation involving Personal Information. We act as a data controller when we ask you to provide Personal Information necessary for your access and use of the Website and Services. In these cases, we determine the purposes and means of processing Personal Information.

We act as a data processor when you submit Personal Information through the Website and Services. We do not own, control, or make decisions about the submitted Personal Information, and we process it only according to your instructions. In these cases, the User providing Personal Information is the data controller.

To make the Website and Services available or to meet a legal obligation, we may need to collect and use certain Personal Information. If you do not provide the requested information, we may not be able to provide the requested products or services. Any information we collect may be used for the following purposes:

Create and manage user accounts
Deliver products or services
Post customer testimonials
Run and operate the Website and Services

Processing your Personal Information depends on your interaction with the Website and Services, your location, and whether one of the following applies: (a) you have given consent for specific purposes; (b) provision of information is necessary for the performance of this Policy and/or pre-contractual obligations; (c) processing is necessary for legal compliance; (d) processing is related to a public interest task or official authority; (e) processing is necessary for our legitimate interests or those of a third party.

In some legislations, we may process information until you opt-out, without relying on consent or other legal bases. We will clarify the specific legal basis for processing if needed, including whether providing Personal Information is a statutory or contractual requirement.

MANAGING INFORMATION

You can delete certain Personal Information we hold about you. The types of Personal Information you can delete may change as the Website and Services evolve. When you delete Personal Information, we may retain a copy for the necessary duration to comply with our obligations to affiliates and partners, and for the purposes described below.

DISCLOSURE OF INFORMATION

To provide the requested Services or complete transactions, we may share your information with our trusted subsidiaries, joint venture partners, contracted companies, and service providers (collectively, “Service Providers”) who assist in operating the Website and Services. These Service Providers follow privacy policies consistent with ours or agree to abide by our policies concerning Personal Information. We do not share personally identifiable information with unaffiliated third parties.

Service Providers are not authorized to use or disclose your information except as necessary to perform services on our behalf or comply with legal requirements. They receive only the information needed to perform their designated functions and are not authorized to use or disclose the information for their own marketing or other purposes. We share your information only with the following categories of Service Providers:

Affiliate programs

RETENTION OF INFORMATION

We will retain and use your Personal Information for as long as necessary to comply with legal obligations, enforce our Policy, resolve disputes, and unless a longer retention period is required or permitted by law. We may use aggregated data derived from your Personal Information after you update or delete it, but not in a way that identifies you personally. Once the retention period expires, Personal Information will be deleted. Rights to access, erasure, rectification, and data portability cannot be enforced after the retention period.

REGION SPECIFIC NOTICES

We have implemented additional measures to comply with privacy obligations and rights associated with the collection of Personal Information as required by the laws of our users’ regions.

DISCLOSURES FOR RESIDENTS OF THE USA

Residents of California and other states have specific rights regarding their Personal Information, as provided by various state laws. This section, together with other relevant sections of the Policy, provides information about these rights and how to exercise them.

In addition to the rights explained in this Policy, if you provide Personal Information for personal, family, or household use, you have the right to submit requests related to your Personal Information once a calendar year. We may not be able to comply with your request in certain circumstances, such as when we cannot verify your request or when compliance conflicts with other legal obligations. You will be notified if this is the case.

(a) Right to know and access: You can request information about the Personal Information we collect about you. Upon receiving and verifying a request, we will disclose:

Specific pieces of Personal Information we hold about you
Categories of sources from which your information is collected
Purposes for collecting, selling, or sharing your Personal Information

(b) Right to correct: You can request correction of inaccurate Personal Information.

(d) Right to opt-out of sale and sharing: You can opt-out of the sale or sharing of your Personal Information.

(e) Right to consent to or limit the use of sensitive personal information: You can consent to or restrict the use and disclosure of your Sensitive Personal Information.

(f) Right to non-discrimination: You will not be discriminated against for exercising your privacy rights.

(g) Shine the Light: California residents with an established business relationship have the right to know how their Personal Information is disclosed to third parties for direct marketing purposes or to opt-out of such practices.

To exercise any of these rights, contact us using the details below. We will process requests as quickly as possible, within the timescales provided by applicable laws.

HOW TO EXERCISE YOUR RIGHTS

You can submit requests to exercise your rights through the contact details provided. We may ask you to verify your identity before responding. Your request must provide sufficient information to verify your identity or authority and to understand and respond to it.

DATA ANALYTICS

Our Website and Services use third-party analytics tools that collect standard internet activity and usage information. This information is used to compile statistical reports on user activity, such as visit frequency and page visits. We use these reports to monitor performance and improve the Website and Services. We do not track or collect personally identifiable information of users through these tools and do not associate analytics data with individual users.

PRIVACY OF CHILDREN

We do not knowingly collect Personal Information from children under 18. If you are under 18, please do not submit Personal Information through the Website and Services. If you believe a child under 18 has provided Personal Information, contact us to request deletion of that information.

We encourage parents and guardians to monitor their children’s internet usage and enforce this Policy by instructing them not to provide Personal Information through the Website and Services without permission.

DO NOT SELL MY PERSONAL INFORMATION

You have the right to opt-out of the sale or disclosure of your Personal Information. Upon receiving and verifying your request, we will cease such activities. Opting out may affect our ability to provide certain Services. We reserve the right to reject opt-out requests in certain situations as permitted by law.

DO NOT TRACK SIGNALS

Our Website and Services are not currently set up to interpret or respond to Do Not Track signals from browsers. Tracking refers to collecting personally identifiable information from users across different websites over time. We limit our use and collection of your Personal Information, as described in this Policy. For more information about Do Not Track protocols, visit internetcookies.com.

ADVERTISEMENTS

We may display online advertisements and share aggregated, non-identifying customer information with advertisers. We do not share personally identifiable information with advertisers. Third-party companies may help tailor advertising and collect data about user activities on the Website.

For more information about your choices regarding data collection for advertising, visit the Digital Advertising Alliance and Network Advertising Initiative websites.

SOCIAL MEDIA FEATURES

Our Website and Services may include social media features (e.g., Facebook and Twitter buttons). These features may collect your IP address and page visits and may set cookies to function properly. Social Media Features are hosted either by their providers or directly on our Website and Services. Your interactions with these features are governed by the privacy policies of their providers.

EMAIL MARKETING

We offer electronic newsletters to which you can subscribe voluntarily. We keep your email address confidential and do not disclose it to third parties except as allowed or for sending emails via third-party providers. We comply with the CAN-SPAM Act, providing clear sender information and unsubscribe instructions in emails. You can unsubscribe from newsletters or marketing emails anytime, but you will still receive essential transactional emails.

AFFILIATE LINKS

We may engage in affiliate marketing and include affiliate links on the Website and Services. Clicking on an affiliate link will place a cookie on your browser to track sales for commission purposes.

LINKS TO OTHER RESOURCES

The Website and Services contain links to other resources not owned or controlled by us. We are not responsible for the privacy practices of these resources or third parties. We encourage you to read the privacy statements of any resource that collects Personal Information.

INFORMATION SECURITY

We secure the information you provide on controlled, secure servers protected from unauthorized access, use, or disclosure. We maintain reasonable administrative, technical, and physical safeguards to protect Personal Information. However, no internet or wireless data transmission is guaranteed to be secure. You acknowledge that security and privacy limitations exist on the internet, and any information exchanged may be viewed or tampered with by third parties despite our efforts.

DATA BREACH

In the event of a security breach compromising the Website and Services or disclosing Users’ Personal Information to third parties, we may take appropriate measures, including investigation, reporting, and notification to law enforcement. If a data breach poses a reasonable risk of harm to Users, we will notify affected individuals by mail.

CHANGES AND AMENDMENTS

We reserve the right to modify this Policy or its terms related to the Website and Services at any time. When we do, we will update the date at the bottom of this page and may notify you through other means. The updated Policy will be effective immediately upon posting unless otherwise specified. Your continued use of the Website and Services after the effective date constitutes your consent to the changes.

ACCEPTANCE OF THIS POLICY

By accessing and using the Website and Services and submitting your information, you acknowledge that you have read and agree to this Policy. If you do not agree to the terms, you are not authorized to use the Website and Services.

CONTACTING US

If you have any questions about the information we hold or wish to exercise your rights, submit a data access request using the provided form. For other inquiries or complaints, contact us at:

1001 Brickell Bay Dr Suite 2700-05, Miami, FL 33131

We will make every effort to resolve complaints and honor your rights promptly and within the required timescales.

This document was last updated on July 24, 2024.