Privacy Policy

Who we are

Our website address is: https://commoncentscapital.com.

What personal data we collect and why we collect it

This privacy policy (“Policy”) describes how Common Cents Capital, and its related companies, successors and assigns, collect, use and share personal information of consumer users of this Web site.

This Policy includes information about:

  1. The categories of information that we collect from you during your relationship with us;
  2. How we use and share the information that we collect from you;
  3. Options available to you to instruct us about how your information may be used or shared;
  4. The procedures we follow to protect the information that we collect about you; and
  5. Other matters required by law or useful to assist you in protecting your privacy.

This Policy covers Customer Information, which means personally identifiable information about a consumer or a consumer’s current or former relationship with us.

Information Collection

We collect and use various types of information to service your accounts as well as to comply with federal and state law.  This Customer Information can be categorized in the following ways:

  • Application Information: This includes information that you provide to us on applications and through other means. Examples include your address, phone number, taxpayer identification number, and policy number.
  • Transaction and Experience Information: This includes information about your transactions, such as your account balances, payment history, bank account and/or credit card information.

As required by the USA PATRIOT Act, we may also collect information and take actions necessary to verify your identification.

Information Shared

We may share all the Customer Information that we collect, as described above, for the following purposes:

  • To provide you with the products and services you requested;
  • To offer you additional products or services that may be of interest to you;
  • To comply with reporting and other legal requirements; and/or
  • To otherwise conduct business.

Opt Out Options

Our collection and use of your Customer Information is governed by federal and state law.  We are permitted to share the information we collect with nonaffiliated third parties that assist us with processing your payments and electronic funds transfers.  We are also permitted to use your information to offer you additional products and services. You cannot limit or opt-out of this type of sharing. We do not share your information with affiliated or non-affiliated companies for marketing or other purposes. 

Procedures for Protecting Nonpublic Personal Information

We are committed to protecting the security and integrity of Customer Information through procedures and technology designed for this purpose. For example:

  • We limit employee access to customer information to those who have a business reason to know this information.
  • We maintain policies and procedures covering the proper physical security of workplaces and records.
  • We require independent contractors and outside companies who work with us to adhere to strict privacy standards.
  • We use technological means (such as backup files, virus detection and eradication software, firewalls, and other computer software and hardware) to protect against unauthorized access or alterations to customer data.

Other Important Information

This version of the Policy is effective 1-01-2018.  The policies and practices described in this disclosure are subject to change, but if you provide us with an email address we will communicate any significant changes to you and will provide you with a copy of the latest version of this Policy as required by applicable law.  If you have any questions about this Policy you can contact us at 

Website and Media

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

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