Updated December 31, 2016
1.1. Website and Mobile Application Owners and Operators. The Website and Mobile Application are owned and operated by PALMco.
2. WHAT INFORMATION DO WE COLLECT THROUGH THE WEBSITE AND MOBILE APPLICATION? We may collect both Personally Identifiable Information and Non-Personally Identifiable Information (each as defined below and referred to together as “Information”) about you and your usage when you access or use the Website or Mobile Application.
2.1. “Personally Identifiable Information” is information that can be used to identify you as an individual or enable someone to contact you, as well as information attributed with such information. Personally Identifiable Information that we collect from you through the Website or Mobile Application may include, for example, your username, password, name, PALMco account number, utility account number, billing address, service address, e-mail address, phone number, wireless device addresses (including text message addresses), date of birth, last four social security number (“SSN”) or tax identification number (“TIN”) digits or entire SSN or TIN. For example, we collect Personally Identifiable Information when you log in to the Website or Mobile Application, update your account profile on the Website or Mobile Application, sign up for our notifications, complete surveys, or submit a comment, question or other information to us through the Website or Mobile Application. Because engaging in these activities is completely voluntary, you have a choice whether or not to provide Personally Identifiable Information through the Website or Mobile Application.
2.2. “Non-Personally Identifiable Information” is any information that is not Personally Identifiable Information and may include, for example, information about the device on which you access, install and use the Mobile Application or the device, computer or software on which you access, view and use the Website, such as your IP address, browser type, domain names, access times, referring website addresses, operating system, network information, device identification number, unique numerical identifier that we create so we can recognize your device when it communicates with our server, and pages visited within the Website or Mobile Application. In some cases, your Non-Personally Identifiable Information may be linked to your Personally Identifiable Information.
3. USE AND SHARING OF YOUR INFORMATION.
3.1. Purposes. We collect and use your Information:
3.1.1. to operate the Website or Mobile Application and develop new features and offerings on the Website or Mobile Application;
3.1.2. to set up and deliver the services you have requested;
3.1.3. to customize the Website or Mobile Application to your interests and history with us;
3.1.4. to send you alerts that we are required by applicable law or regulation to give you the option to receive through the Website or Mobile Application;
3.1.5. to administer your account with us and send you notifications regarding your account with us or the services you receive from us;
3.1.6. to inform you of products or services available from us or promotions or programs that we offer, or send you other marketing or promotional communications, which you may opt out of receiving through certain methods by following the instructions in Section 4 below;
3.1.7. to respond to your requests, questions or concerns or otherwise communicate with you or provide customer service to you;3.1.8. to contact you, via e-mail or any other authorized method, with surveys to conduct research about, for example, your opinion of our current services or of potential new services that may be offered;
3.1.8. to contact you, via e-mail or any other authorized method, with surveys to conduct research about, for example, your opinion of our current services or of potential new services that may be offered;
3.1.9. to protect our rights and property, and recover debt and prevent fraud;
3.1.10. to conduct market research and generate general statistics regarding the use of the Website or Mobile Application; and
3.1.11. for other purposes disclosed when your Information is submitted to us.
3.2. Third Party Service Providers. We do not sell, rent or lease our customer lists to third parties. We occasionally hire other companies to provide services for us or on our behalf. We will only provide those companies the Personally Identifiable Information they need to deliver their services. They are required to maintain the confidentiality of your Personally Identifiable Information and are prohibited from using it for any purpose other than delivering their services for us or on our behalf. We will not distribute or disseminate your Personally Identifiable Information to any unaffiliated third party vendor other than such service providers without your prior consent.
3.3. Certain Uses and Disclosures Permitted by Law. Notwithstanding anything to the contrary herein, to the extent permitted by law we may:
3.3.1. disclose any Information collected through the Website or Mobile Application, or concerning the use of the Website or Mobile Application, to government authorities or third parties pursuant to a legal request, subpoena, or other process that requires disclosure of such Information;
3.3.2. use or disclose your Information to collect debts, fight fraud, reduce credit risk, protect the rights or property of us, our customers, our Website or Mobile Application, or third parties, or when we otherwise believe in good faith that the law requires it; and3.3.3. link your Non-Personally Identifiable Information, such as your IP address, with your Personally Identifiable Information when we feel that it is necessary to enforce compliance with our rules and policies, terms of service or the Website or Mobile Application EULA, or to protect our Website or Mobile Application, customers or others.
3.3.3. link your Non-Personally Identifiable Information, such as your IP address, with your Personally Identifiable Information when we feel that it is necessary to enforce compliance with our rules and policies, terms of service or the Website or Mobile Application EULA, or to protect our Website or Mobile Application, customers or others.3.4. Change in Corporate Control. In the event of a corporate change in control of any of us resulting from, for example, a sale to, or merger with, another entity, we reserve the right to transfer your Information to the new party in control.
3.4. Change in Corporate Control. In the event of a corporate change in control of any of us resulting from, for example, a sale to, or merger with, another entity, we reserve the right to transfer your Information to the new party in control.3.5. Information Retention. We may retain Information gathered through your use of the Website or Mobile Application for so long as is commercially reasonable for a legitimate business purpose.
3.5. Information Retention. We may retain Information gathered through your use of the Website or Mobile Application for so long as is commercially reasonable for a legitimate business purpose.
4. OPT IN AND OPT OUT. You may have the right to opt in to or opt out of certain of our uses and disclosures of your Personally Identifiable Information provided or obtained through the Website or Mobile Application. For example, you have the option to elect to, or not to, receive promotional messages from us by e-mail or receive messages of all types from us by Text Messaging (as defined in Section 4.2 below) by tapping on the “My Profile” tab in the Mobile Application and setting “Email,” or “SMS Text” to the “ON” or “OFF” setting, as applicable. You may also tell us that you wish to opt out of receiving promotional messages from us by e-mail or receiving messages of all types from us by Text Messaging or that you do not want us to share your Personally Identifiable Information with third parties for their marketing purposes by sending us your name, address, e-mail address, phone number and opt out request to: email@example.com.
4.1. E-Mail. Another way to opt out of our promotional e-mails is by clicking on the opt out link within the e-mails you receive from us.
4.3. Opt Out Processing Time. Please understand that it may take us some time to process any opt out request and that even if you opt out of receiving promotional correspondence from us, we may still contact you in connection with your relationship, activities, transactions and communications with us. Also, to stop receiving promotional messages from third parties who already have your contact information, please contact them directly.
5. USE OF TRACKING TECHNOLOGIES.
5.1. As is the case with many websites and mobile applications, the Website and Mobile Application and our servers may automatically collect your IP address when you use the Website or Mobile Application, and we may associate it with your domain name or that of your Internet access provider. We may also capture certain “clickstream data” pertaining to your usage of the Website or Mobile Application. Clickstream data includes, for example, information about your device, computer, operating system, web browser and their settings, the pages or content you see or click on, and when and for how long you do so. In addition, we may deploy various tracking technologies in the Website or Mobile Application to collect additional information about your usage of the Website and Mobile Application. We do so to understand the usage of the Website or Mobile Application, to personalize the Website or Mobile Application for you and to improve our content and offerings. For Example:
5.1.1. Cookies: To enhance your experience on the Website or Mobile Application, we may place “cookies” on your computer or device. Cookies are small text files that we place in your computer or device to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other Personally Identifiable Information unless you choose to provide this information to us. Once you choose to provide us with Personally Identifiable Information, this information may be linked to the data stored in the cookie. A cookie assigns a unique numerical identifier to your computer, web browser or device, and may enable us to recognize you as the same user who has used the Website or Mobile Application, and relate your use of the Website or Mobile Application to other information about you, such as your usage information and Personally Identifiable Information. Cookies may be also be used to enhance your experience on the Website or Mobile Application (for example, by storing your username so you can log in easily, keeping you logged in after you have provided your username and password, or tailoring content or product and service offerings to you) or to collect general usage and aggregated statistical information and detect and prevent fraud. If you wish to block cookies, go to http://www.allaboutcookies.org/ or check your web browser’s instructions to find out how. Most web browsers automatically accept cookies. You can set your web browser options so that you will not receive cookies and you can also delete existing cookies from your web browser. However, you may find that some parts of the Website or Mobile Application will not function properly if you have refused cookies or similar tracking technologies and you should be aware that disabling cookies or similar tracking technologies might prevent you from accessing certain Website or Mobile Application content or functionalities.
5.1.2. Local Shared Objects: Local shared objects, such as Flash cookies, also may be stored on your computer or device. Local shared objects operate a lot like cookies, but cannot be managed in the same way. Depending on how local shared objects are enabled on your computer or device, you may be able to manage them using software settings. For information on managing Flash cookies, for example, see http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
5.1.3. HTML5: HTML5 (the language some websites and mobile applications are coded in) may be used to store information on your device about your Website or Mobile Application usage activities. This information can be retrieved by us to determine how the Website and Mobile Application are being used by our end users, how it can be improved, and to customize it for our end users.
5.1.4. Cache Cookies: Cache cookies, such as eTags, may be used to identify your computer or device as the same computer or device that used the Website or Mobile Application in the past.
5.2. These tracking technologies may be deployed by us and/or by our service providers or partners on our behalf. These technologies enable us to assign a unique number to you, and relate your Website or Mobile Application usage information to other information about you, including your Personally Identifiable Information. We may match Information collected from you through different means or at different times, including both Personally Identifiable Information and Website or Mobile Application usage information, and use such Information along with offline and online information obtained from other sources (including third parties) such as demographic information and updated contact information (where that information has been lawfully disclosed to us) for the purposes of learning more about you so we can provide you with relevant content.
6. YOUR ACCESS RIGHTS. You may review, update or modify certain of your Personally Identifiable Information that is stored in your user account on the Website or Mobile Application. We may ask you to verify your identity and to provide other details before we are able to provide you with any information, correct any inaccuracies, or delete any information. Your right to delete your Information is subject to our records retention policies.
7. SECURITY OF YOUR INFORMATION.
7.1. We take reasonable precautions to help protect your Personally Identifiable Information from unauthorized access, use, or disclosure. Only employees, supervisors and vendors with specific authorization are allowed to access to databases with Personally Identifiable Information. When we transmit highly confidential information such as Personally Identifiable Information over the Internet, we protect it through the use of encryption. While we endeavor to protect the security and integrity of sensitive Personally Identifiable Information collected via the Website and Mobile Application, due to the inherent nature of the Internet as an open global communications vehicle, we cannot guarantee that any information, during transmission through the Internet or while stored on our systems or otherwise in our care, will be absolutely safe from intrusion by others, such as hackers.
7.2. If you correspond with us by e-mail, text message, or form submissions through the Website or Mobile Application, you should be aware that your transmission might not be secure. A third party could view the information you send in transit by such means. We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during or after transmission.
7.3. You are responsible for maintaining the strict confidentiality of your account username and password, and you shall be responsible for any activity that occurs using your account credentials, whether or not you authorized such activity. Please notify us of any unauthorized use of your password or account or any other breach of security.
7.4. If we believe that the security of your Personally Identifiable Information in our care may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we will endeavor to notify you as promptly as possible under the circumstances. If we have your e-mail address, we may notify you by e-mail in addition to, or in lieu of, by US Mail. You consent to our use of e-mail as a means of such notification. If you prefer for us to use US Mail to notify you in this situation, please e-mail us at firstname.lastname@example.org.
8. CHILDREN’S ONLINE PRIVACY. The Website and Mobile Application, and the content contained therein, is not directed at children under the age of 13. We do not knowingly collect Personally Identifiable Information from children under the age of 13. If you are under the age of 13, please do not provide Personally Identifiable Information of any kind whatsoever. If a child does provide us with Personally Identifiable Information, a parent or guardian of that child should contact us by sending an e-mail to email@example.com, calling us at 1-877-726-5862, or writing to:
8751 18th Avenue
Brooklyn, NY 11214
Upon notification of Personally Identifiable Information collected through the Website or Mobile Application of or from children under the age of 13, we will delete such Personally Identifiable Information from our records.
8751 18th Avenue
Brooklyn, NY 11214
Toll Free: 1-877-726-5862