Boldthinkin.com L.L.C Privacy Notice/Terms and Conditions

Last updated January 26^th, 2021

Your privacy is important to us. We conduct regular assessment reviews to ensure information we collect, use and share is protected. This U.S. Online Privacy Notice ("Notice") describes how Boldthinkin.com and our affiliates manage personal information about you when you interact with us online through our website, mobile application and social sites ("Sites and Mobile Apps").

This notice explains

• How we collect personal information when you visit, use or interact with us online, and through our ads displayed through online services operated by us or non-affiliated third parties
• How we may use or share personal information collected to deliver products and services to you and for advertising purposes

The term “Boldthinkin.com” or "we", "us" or "our" in this Notice, refers to Boldthinkin.com’s retail, banking and non-U.S. affiliates of Boldthinkin.com that link to or reference this Notice.

By using the Site and Mobile App, you agree to the terms and conditions of this Notice. Boldthinkin.com provides other online interfaces. If you visit or access your accounts from one of these sites or mobile apps, please review the online privacy practices of that site or mobile app to understand how your online personal information may be collected, used and shared.

Updates to this Notice

This Notice is subject to change. Please review it periodically. If we make changes to this Notice, we will revise the Last updated date on this page.

We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile App, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.

Linking to other sites

We may provide links to affiliated and non-affiliated third-party sites, such as service providers or merchants. If you follow links to sites not affiliated with or controlled by Boldthinkin.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site and Mobile App. Boldthinkin.com does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

Protecting your personal information

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files as well as oversight of our third-party service providers to ensure personal information remains confidential and secure. In addition, you understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks. In the event of a data breach, we provide timely notification, in accordance with applicable laws.

Making sure personal information is accurate

Keeping your personal information accurate and up to date is very important. If your personal information is incomplete, inaccurate or not current, please use the Contact Us option on our Site and Mobile App, or call us at the telephone numbers for changes listed on your billing statement(s) or other account materials.

How do we collect personal information online?

We collect personal information about you through your computer, smartphone, tablet or other mobile device by the use of cookies and similar tracking technologies (see our Cookies and Tracking Technologies Guide for details) as well as personal information you provide when you visit or use our Site and Mobile App, for example when you:

• Make purchases/Open an account;
• Register for a new product or service, or request information about a product or service; or
• Complete a survey, contest or sweepstakes or other promotion.

We may use service providers and vendors to process personal information for business purposes on our behalf. Service providers and vendors are contractually obligated to comply with our policies to protect information we share with them or they collect on our behalf.

The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.

Types of personal information we collect online

The type of personal information we collect from and about you online will depend on how you interact with us and may include:

• Contact Information such as name, mailing address, email address, telephone and mobile number(s),
• We do not store or retain credit/debit card or banking information.
• Identifiers or other information that identifies you for ordinary business purposes.
• Access Authorization such as user name, alias, PIN and passcode and security questions and answers
• Information from your computer, smartphone, tablet or other mobile device, such as

○     Unique device identifiers (for example Media Access Control (MAC) and Internet Protocol (IP) addresses)

○     Browser type, version, language, and display/screen settings

○     Information about how you use and interact with our Site and Mobile App (for example page visited, links clicked)

○     Responses to advertisements on the Site and Mobile App where we advertise

○     Log information such as your search and voice to text queries in the mobile app

○     Search engine referrals

○     Social media preference

How do we use your personal information?

Personal information collected from and about you online described in this Notice may be used for many purposes such as:

• Delivering products and services to you by verifying your identity (for example when you access your account information);
• Personalizing your digital and mobile experience by enhancing overall Site and Mobile App organization and design and analyze data to create relevant alerts, products or services.
• Providing advertising on our Site and Mobile App as well as non-affiliated third-party sites.
• Detecting and preventing fraud, identify theft and other risks to you or Boldthinkin.com.
• Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view.
• Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies.
• Allowing you to use features within our Site and Mobile App when you grant us access to personal information from your device such as contact lists, or geo-location when you request certain services that requires such access.

We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely delete personal information as soon as legally permitted.

Individual health information

To the extent that we receive, maintain or process an individual's health information, Boldthinkin.com shall not disclose that information in accordance with applicable federal and/or state law.

With whom do we share your personal information?

We may share the personal information we collect from and about you online described in this Notice (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:

• Affiliates and Subsidiaries of Boldthinkin.com
• Service Providers, Vendors and Third-Party Providers who have contracts with Boldthinkin.com
• Government Agencies as required by laws and regulations.

Aggregated / De-identified information

Collected personal information may be aggregated and/or de-identified (we remove any details that identify you personally). We may share this aggregated and/or de-identified information with service providers, vendors and third-party providers to help deliver products, services, and content that are better tailored to the users of our online services and for our own business purposes where permissible under applicable laws and regulations.

How to limit sharing

You have choices regarding the sharing of some personal information. Where appropriate, we will limit sharing of your personal information based on your privacy choices. You can register your choices online at Set your Privacy Choices.

What is Online Behavioral Advertising?

Personal information collected from and about you online as described in this Notice is used and shared to deliver advertising and marketing, including prescreened offers of products, which may be of interest to you.

We present tailored ads to you:

• On our Site and Mobile App through banner ads and splash ads that appear as your sign on or off of your account
• In off-line channels such as through direct marketing (for example. email, mail, phone)
• On third party sites and mobile apps not affiliated with Boldthinkin.com.
• Advertising on our site, mobile app and off-line channels such as through direct marketing (for example email, mail, phone): We may use certain personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us (such as types product(s) you purchased or viewed to help determine which advertisements or offers to present to you.
• Advertising on non-affiliated third-party sites and mobile apps: Boldthinkin.com contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third-party sites and mobile apps to select product ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third-party sites and mobile apps are not subject to Boldthinkin.com Privacy Notices.

How we tailor ads to you

How you can opt out of Online Behavioral Advertising

You have choices about how Boldthinkin.com advertises to you based on your online behavior.

There is no standard for how "do not track" consumer browser settings should work for online advertising purposes. As such, we do not respond to browser "do not track" signals from browser settings. However, there are several opt out options available to you:

• Advertising on our Site and Mobile App and off-line channels such as through direct marketing (for example email, mail, phone): If you prefer, we not provide you with tailored content and advertising based on your online behavior with our Site and Mobile App, you may opt out of online behavioral advertising. Please review the important Reminder section that follows". Please review the important Reminder section that follows.
• Advertising on Non-Affiliated Third-Party sites: Boldthinkin.com participates in the Digital Advertising Alliance ("DAA") self-regulatory Principles for Online Behavioral Advertising and uses the Advertising Options Icon on our behavioral ads on non-affiliated third party sites (excluding ads appearing on platforms that do not accept the icon). Ads served on our behalf by these companies do not contain unencrypted personal information and we limit the use of personal information by companies that serve our ads. To learn more about ad choices, or to opt out of interest-based advertising with non-affiliated third-party sites, visit YourAdChoices
• powered by the Digital Advertising Alliance or through the Network Advertising Initiative's Opt-Out Tool
• You may also visit the individual sites for additional information on their data and privacy practices and opt out-options.

Reminder

Please note that if you opt out of this advertising:

• You may still receive untailored advertising from Boldthinkin.com.
• When accessing our site or your online account, you may receive tailored content and advertising based on your relationships us.
• In order for online behavioral advertising opt outs from our Site and Mobile App and on other sites to work on your device, your browser must be set to accept cookies.
• If you delete cookies, buy a new device, access our Site and Mobile App or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt out again.
• If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled.

Aggregation Services

Some companies may offer aggregation websites and services that allow you to consolidate your account information from different sources (such as your accounts with us or with other retailors) so that you can view/compare and make purchases in one location or perform actions related to your accounts using their services (a "Provider"). To do this, a Provider may request you to authorize access to your Boldthinkin.com account by providing your Boldthinkin.com username and passcode or by providing your information-sharing consent directly to Boldthinkin.com.

• The Provider may access, on your behalf, information about yourself, your Boldthinkin.com relationship, and your account at Boldthinkin.com.
• You should use caution and ensure that the Provider has appropriate policies and practices to protect the privacy and security of any personal information you provide or to which they are gaining access.
• Use of your information by the Provider is governed by your agreement with them, not by Boldthinkin.com.
• We are not responsible for the use or disclosure of any personal information accessed by any company or person to whom you provide your site username and passcode.
• If you share your Boldthinkin.com username, passcode or other information about your account with others, we will consider that you have authorized any transaction or action initiated by using the access information you provide.
• If you decide to revoke the authority you have given to a Provider, we strongly recommend that you change your Boldthinkin.com passcode to ensure that the Provider cannot continue to access your account.

Social Media

Boldthinkin.com engages with customers on social media platforms such as Facebook™, Twitter™, YouTube™ and LinkedIn™.

• Any content you post on official Boldthinkin.com managed social media pages, such as pictures, information, opinions or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
• When interacting with official oldthinkin.com social media pages, Boldthinkin.com's privacy notices, Social Media User Terms and Community Guidelines may apply.
• Please review the privacy policy for the specific social media service you are using to better understand your rights and obligations with regard to such content.

We may allow certain non-affiliated third-party widgets (for example social share buttons) on our sites that enable users to easily share information on another platform, such as a social media platform. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Site and Mobile App where these widgets are placed.

Terms and Conditions

Please read the following terms of service agreement carefully. By accessing or using Boldthinkin.com LLC’s website (the “Site”) or our services, you hereby agree to be bound by these terms and conditions and all terms incorporated herein by reference. It is the responsibility of you, the user, customer, or perspective customer to read the terms and conditions before proceeding to use this Site. If you do not expressly agree to all the terms and conditions, then please do not access, or use our Site or services.

By using our website and/or purchasing something from us, you freely engage in our “service” and agree to be bound by the following terms and conditions, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These terms apply to all users of the Site, including without limitation users who are browsers, vendors, customers, merchants and/or contributors of content. In the event of an inconsistency between this Agreement and any additional terms or policies referenced herein, the provisions of the additional terms or policies shall control.

Any new features, products or tools which are added to the current store shall also be subject to the Terms. You can review the most current version of the Terms at any time on this page. Boldthinkin.com LLC, reserves the right to update, change or replace any part of these Terms by posting updates and/or changes to our Site. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Site, following the posting of any changes constitutes acceptance of these changes.

Section 1 – General Terms

By using this Website, you represent and warrant that: (1) all information you submit will be true, accurate, current and complete; (2) you will maintain the accuracy of such information and promptly update such information as necessary; (3) you have the legal capacity and agree to comply by these Terms of Conditions/Use; (4). You are not under the age of [13]; (5) you are not a minor in the jurisdiction in which you reside [or if a minor, you have received parental permission to use the Site]; (6) you will not use the Site for any illegal or unauthorized purpose; (7) your use of this Site will not violate any law(s) or regulations; and (8) you must not transmit any worms or viruses or codes of a destructive nature.

Boldthinkin.com also reserves the right to: (1) Change, suspend or discontinue all or any part of our products or Site; (2) Refuse, move, or remove any content that is available on all or any part of our Site; (3) Deactivate or delete your account; and (4) Establish general practices and limitations concerning use of our Site.

You agree that Boldthinkin.com LLC will not be liable to you or any third party for taking any of these actions.

You also agree not to reproduce, duplicate, copy sell, resell, or exploit any product, portion of the Site, use of the Site, or access to the Site or any content on the Site, without express written permission from Boldthinkin.com LLC.

You may not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. You will use protected content solely for personal use and will make no other use of the content without the expressed written permission od Boldthinkin.com LLC and the copyright owner.

 Conduct

You herein agree not to make use of Boldthinkin.com LLC goods and/or services for the purpose of: (1) uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscure, libelous, or invasive of another’s privacy or which is hateful, and/or racially, ethnically, or otherwise objectionable; (2) disrupt the normal flow of communication, or otherwise acting in any manner that would negatively affect other users’ ability to participate in any real time interaction; (3) interfering with or disrupting any Boldthinkin.com LLC Services, servers and/or networks that may connect or related to our website, including, but not limited to, the use of any device software and/or routine to bypass the robot exclusion headers; and (4) intentionally or unintentionally violating any local, state, federal, national or international law, including, but not limited to rules, guidelines, and/or regulations decreed by U.S. Securities and Exchange Commission, in addition to any rules of any nation or other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ and any regulations having the force of law.

Boldthinkin.com LLC herein reserves the right to pre-screen, refuse and/or delete any content currently available through our Services. In addition, Boldthinkin.com LLC reserves the right to remove and/or delete any such content that would violate the Terms or which would otherwise be considered offensive to other visitors, users and/or members.

 Boldthinkin.com LLC herein reserves the right to access, preserve and/or disclose member/customer account information and/or content if it is required to do so by law or in good faith belief that any such action is deemed reasonably necessary for: (1) compliance with any legal process; (2) enforcement of the Terms; (3) responding to any claim that therein contained content is in violation of the rights of any third party; (4) responding to requests for customer service; or (5) protecting the rights, property or the personal safety of Boldthinkin.com LLC, its visitors and members, including the general public.

Global Use; Export/Import Compliance

Due to the global nature of the internet, through the use of our network you hereby agree to comply with all local rules relating to online conduct and that which is considered acceptable content. Uploading, posting and/or transferring of software, technology and other technical data may be subject to export and import laws of the United States and possibly other countries. Through the use of our network, you thus agree to comply with all applicable export and import laws, statues and regulations, including, but not limited to Export Administration Regulations, as well as sanctions control program of the United States.

Furthermore, you state and pledge that you: (1) are not on the list of prohibited individuals which may be identified on any government export exclusion report nor a member of any other government which may be part of an export-prohibited country identified in applicable export and import laws and regulations; (2) agree not to transfer any software, technology or any other technical data through the use of our network Service to any export-prohibited country; (3) agree not to use Boldthinkin.com LLC website network Service for any military, nuclear, missile, chemical or biological weaponry end use that would be a violation of the U.S. export laws; and (4) agree not to post, transfer nor upload any software, technology or any other technical data which would be in violation of U.S. or other applicable export and/or import laws.

Commercial Reuse of Services

The member or user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any commercial reason any part, use of , or access to Boldthinkin.com LLC’s site.

Intellectual Property Rights

You herein acknowledge, understand, and agree that all of the Boldthinkin.com LLC trademarks, copyright, trade name, service marks and other Boldthinkin.com LLC logos and any brand features, and/or products and service names are trademarks and such as, are and shall remain the property of Boldthinkin.com LLC. You herein agree not to display, and/or use in any manner the Boldthinkin.com LLC logo or marks without obtaining Boldthinkin.com LLC’s prior written consent.

Breach or violation of any of the Terms and/or if you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse all current or future services or use of the Site (or any portion thereof), at any time without giving you any prior notice.

 

Copyright 2021. Boldthinkin.com is a registered trademark.