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PRIVACY POLICY
This privacy policy (“Privacy Policy”) describes how Declines.io (“declines.io”, “we”, “us” or “our”) collect, use and disclose certain information, including Personal Data (as defined below) when:
- Using declines.io platform and factoring services (“Services” and “Merchant” respectively);
- Browsing and engaging with our website, available at: www.declines.io.io/ and the content therein (“Website” and “Website Visitor” respectively) ); and
- declines.io purchases a customer’s invoice following a failed transaction on Merchant’s properties (“End-User“).
Merchants, Website Visitors and End-Users shall each be separately and collectively referred as “you” or “your“, as applicable.
This Privacy Policy is an integral part of the Merchant Terms and Conditions which govern Merchant’s use of the Services and the End-User Terms of Service which govern declines.io End-Users interacting with the Services (collectively “Terms“).Capitalized terms not defined herein shall have the meaning ascribed to them in the applicable Terms.
This privacy policy applies to residents from all U.S. jurisdictions; however, if you are a resident of California, Colorado, Connecticut, Florida, Montana, Oregon, Texas, Virginia, or Utah, please refer to Section 12. “Additional Specific Disclosures for Certain United States Residents”, which includes supplemental information about privacy rights for residents of such U.S. jurisdictions.
POLICY AMENDMENTS
We reserve the right to amend this Privacy Policy from time to time, at our sole discretion. The most recent version of this Privacy Policy will always be posted on the Website and the update date will be reflected in the “Last Amended” heading. We will provide notice to you if these changes are material, and, where required by applicable law, we will obtain your consent. Any amendments to the Privacy Policy will become effective immediately, unless we notify otherwise. We recommend you review this Privacy Policy periodically to ensure that you understand our most updated privacy practices.
CONTACT INFORMATION
For any question, inquiry or concern related to this Privacy Policy or the processing of your Personal Data, you may contact as follows:
The Company’s data protection point of contact:
By email: Maury Lam admin@declines.io
DATA COLLECTED BY declines.io
We may collect two types of information from you, depending on your interaction with us.
The first type of information is non-identifiable and anonymous information (“Non-Personal Data”). We are not aware of the identity of the individual from who we have collected the Non-Personal Data. Non-Personal Data which is being gathered consists of technical information, and may contain, among other things, the type of operating system and type of browser, type of device, your actions in the Website or Services (such as session duration).
The second type of information is individually identifiable information, namely information that identifies an individual or may with reasonable effort identify an individual (“Personal Data” or “Personal Information” as defined under the applicable data protection law).
For the avoidance of doubt, any Non-Personal Data connected or linked to Personal Data shall be deemed as Personal Data as long as such connection or linkage exists.
The table below details the types of Personal Data we process, the purpose, lawful basis, and our processing operations:
Type of Data | Purposes and Operation |
|---|---|
Data Collected From Website Visitors | |
Website Interaction and Marketing: When you interact with our Website, we may collect online identifiers associated with your browser or device, such as Internet Protocol (IP) address, Cookie ID and those unique identifiers allowing us to individually identify you (“Online Identifiers”). Further, we will collect telemetry data and usage information, which are collected indirectly by our external marketing and analytic tools. This information includes the referring URL (that is, the webpage directing you to our Website, and other websites you visited in the session), your interests in our competitors, how you interact with a campaign we run, interaction with our webpages, time, duration of use, etc. (“Behavioral Data”). | Online Identifiers and Behavioral Data are used to enable the proper operation and functionality of the Website, enhance the content and service provided through the Website, for security and fraud prevention purposes, debugging purposes and to resolve technical problems. For example, in order to confirm you are a real person. We further collect Online Identifiers and the Behavioral Data to understand how our Website and the content therein are being used, measure effectiveness and optimize our marketing campaigns, including by tracking conversions, building targeted audience, and marketing our Services to people who have taken action on the Website. |
Contact Information: In the event you contact us with any inquiries, by sending us an email or by any other means of communications, including an online chat if applicable, registration to our newsletter, you will be requested to provide us with certain contact details such as your full name and email address. In addition, you can choose to provide us with additional information as part of your correspondence with us (“Contact Information“). | We will process the Contact Information to provide you with a response to your inquiry. The correspondence with you may be processed and stored by us in order to improve our customer service and in the event, we believe it is required to continue to store it, for example, in the event of any claims or in order to provide you with any further assistance (if applicable). |
Merchants | |
Account Information When you create an account and sign up for our Services through the Merchant Portal you will be requested to provide us with certain information such as your contact information, company names, company’s contact information and additional information associated with the Merchant Portal., etc., and designate, or otherwise be provided with, credentials (“Account Information“). | We use the Account Information to create your account, authentication, provide account management (including billing management), customer support and to provide the Services. In addition, we use your email address in order to provide you with marketing related communication such as additional services, special opportunities or any other information we think our Merchants will find valuable (“Direct Marketing”). You can opt-out at any time from receiving our marketing communication through the “unsubscribe” link within the email. In addition, we will further maintain a suppression file – meaning lists of applicable email addresses that have requested to opt-out, in order to ensure we comply with such preference and choice. |
Payment Information: When using the Services, Merchant is asked to grant declines.io an ACH authorization including access to its bank account details – bank account name, bank routing number, and bank account number (“Payment Information“). | We will collect Merchant’s Payment Information in order to debit or credit the Merchant Bank Account. |
Usage Data: When you use the Merchant Portal, information regarding such use is automatically generated and collected, which may include the click stream within the Portal, the time spent on each page or feature, crash data and analytics, how often you use the Service (i.e., number of shipments), etc. (collectively “Usage Data“). | We use your Usage Data to help us understand how you are using our Services, and how to better provide and improve our Services to you. This helps us to better understand our business, analyze our operations, maintain, improve, innovate, plan, design, and develop the Service and Portal. We also use your Usage Data for statistical analysis purposes, to test and improve our Services, decide how to improve the Service based on the results obtained from this processing. |
End-Users | |
KYC Data: Prior to providing our Services to the Merchant, declines.io might request from credit bureaus an initial soft pull background check (and subsequent periodic follow-up soft pull checks) on the applicable End-User (each a “Background Check”). Such Background Check may, without limitation, include a review of the following information: (i) credit history, including of a personal or business credit bureau data and score; (ii) criminal records; (iii) information that is publicly available about you; (iv) information that we obtain from third party service providers, including information derived or prepared by third-party data aggregation and analysis companies; and (vi) whether you have ever been declared bankrupt (collectively “KYC Data“). | declines.io collects the KYC Data in order to facilitate by determining End-Users’ suitability for the Service provided to Merchants and purchase End-Users’ invoice. declines.io will further retain the KYC Data for the purpose of authorizing any future transactions. |
Transactional Data and Additional Data: While providing our Services to the Merchant, we receive from the Merchant certain Personal Data regarding the End-Users including: items purchased, name, address, email address, telephone number, payment method details, the items purchased and the price, transaction history, account balance, and other transaction-related information. | declines.io will use such information for the sole purpose of providing its Services to the applicable Merchant. |
Please note that the actual processing operation per each purpose of use detailed in the table above may differ. Such processing operation usually includes a set of operations made by automated means, such as collection, storage, use, disclosure by transmission, erasure, or destruction.
In addition, we may use certain Personal Data to prevent potentially prohibited or illegal activities, fraud, misappropriation, infringements, identity thefts, and any other misuse of our services and to enforce our Terms and other policies, as well as to protect the security or integrity of our databases and Properties, and to take precautions against legal liability.
HOW WE COLLECT INFORMATION
Depending on the nature of your interaction with us, we may collect the above detailed information from you, as follows:
- Information you provide us directly – for example, when you register and create an account or correspond with us.
- Information we receive from third parties – for example, when we receive KYC Data from credit bureaus.
- Information we receive automatically – certain Usage Data or Behavioral Data which we receive through third-party tools, all as detailed under Section 5 below “Cookies & Tracking Technologies”.
COOKIES & TRACKING TECHNOLOGIES
We use “cookies” (or similar tracking technologies) when you access the Website or interact with the Services we offer. The use of cookies is a standard industry-wide practice. A “cookie” is a small piece of information that a website assigns and stores on your computer while you are viewing a website. Cookies can be used for various purposes, including allowing you to navigate between pages efficiently, for statistical purposes, as well as for advertising purposes.
If you wish to change the way such tracking tools collect your Personal Data through our Website, please use the ‘cookie settings’ available through our website, as well instructions on how to change your cookies settings and preferences at any time.
Also note that, most browsers will allow you to erase cookies from your device, block acceptance of cookies, or receive a warning before a cookie is stored. You may set your browser to block all cookies, including cookies associated with our website, or to indicate when a cookie is being used by us, by adjusting the privacy and security settings of your web browser. Please refer to the support page of your browser to learn more about how you can adjust your privacy and security settings. Please note that once you choose to opt out or disable cookies, some features of the website may not operate properly, and your online experience may be limited.
SHARING DATA WITH THIRD PARTIES
We share your Personal Data with third parties, including our trusted partners or service providers that help us manage our business operations. You can find in the table below information about the categories of such third-party recipients.
CATEGORY OF RECIPIENT | DATA THAT WILL BE SHARED | PURPOSE OF SHARING |
Service providers and business partners | All types of Personal Data | We employ other companies and individuals to perform functions on our behalf, such as sending communications, credit bureaus, analyzing data, providing marketing and sales assistance, processing payments, detecting fraud, managing disputes, identifying errors and crashes, conducting customer relationship management, etc. These third-party service providers have access to Personal Data as strictly needed to perform their functions. |
Affiliated companies | All types of Personal Data as strictly necessary and on a case-by-case basis | We may share certain information with our affiliated companies, which will provide us with certain required services and, for internal compliance. We may also share all types of Personal Data in the event of a corporate reorganization (e.g., sale of a substantial part of our business, merger, consolidation or asset sale). In such an event, our affiliated companies or acquiring company will assume the rights and obligations as described in this Privacy Policy. |
Necessary disclosures | All types of Personal Data as strictly necessary and on a case-by-case basis | To the extent permitted or required by applicable law, we may disclose information about you to third parties to: (i) enforce or apply our terms of use or any applicable service agreement; (ii) comply with laws, subpoenas, warrants, court orders, legal processes or requests of government or law enforcement officials; (iii) protect our rights, reputation, safety or property, or that of our users or others; (iv) protect against legal liability; (v) establish or exercise our rights to defend against legal claims; or (vi) investigate, prevent or take action regarding known or suspected illegal activities; fraud; our rights, reputation, safety or property, or those of our customers or others; violation of our applicable policies and agreements; or as otherwise required by law. |
PRIVACY CHOICES
We acknowledge that different people have different privacy concerns and preferences. Our goal is to be clear about what information we collect so that you can make meaningful choices about how it is used. Depending on your relationship with us, your jurisdiction and the applicable data protection laws that apply to you, we allow you to exercise your rights, choices, and controls in connection with your information.
In the table below you can review your rights depending on your interaction with us, how you can exercise them, and appeal a decision we take in this regard, any specification per geo-location or territory are available below the table:
Right to be informed | You have the right to be provided with information regarding our Personal Data collection and privacy practices. All is detailed under this Privacy Policy. |
Right to access | You have the right to confirm whether we collect Personal Data about you, know which Personal Data we specifically hold about you, and receive a copy of such or access it. If you wish to receive a copy of the Personal Data, please contact us. |
Right to rectify | You have the right to correct inaccuracies in your Personal Data, taking into account the nature and purposes of each processing activity. In order to exercise your right to rectification please contact us. |
Right to deletion | You have the right to request the erasure of certain Personal Data if specific conditions are satisfied. This right is not absolute. We may reject your request under certain circumstances, including where we must retain the data in order to comply with legal obligations or defend against legal claims, other legitimate interests such as record keeping with regards to our engagements, completing transactions, providing a service that you requested, taking actions reasonably anticipated within the context of our ongoing business relationship with you, fulfilling the terms of a written warranty, detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, or prosecuting those responsible for such activities; debugging products to identify and repair errors that impair existing intended functionality; exercising free speech, ensuring the right of another consumer to exercise their free speech rights, or exercising another right provided for by law; engaging in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent. In order to exercise your right to deletion please contact us. |
Right to portability | You have the right to obtain the Personal Data in a portable, and to the extent technically feasible, readily usable format that allows you to transmit the data to another entity without hindrance. We will select the format in which we provide your copy. If you wish to exercise this right, please contact us. |
Right to opt out | Direct Marketing or newsletter: You have the right to opt-out from receiving any marketing communication from us, by unsubscribing through the e-communication received. Cookies: When you no longer wish for cookies to track your behavior on our Website for analytic and marketing purposes, change your preferences through the cookie settings available on our Website footer. Sale of Personal Data for targeted advertising, monetary gain or profiling, or Share or Sale of Personal Information for analytic or marketing: We do not “sell” or “share” information as most people would commonly understand that term. We do not, and will not, disclose your Personal Data in direct exchange for money or some other form of payment; however, we do share Personal Data for analytic and marketing purposes, including targeted advertising, when we promote our Website and Services. In most cases we obtain Personal Data collected automatically from our Website, through our use of cookies, as detailed above, and do not combine it with your actions on other websites, however, our third-party partners might do so, when providing analytic or advertising services to us. You have the right to opt-out of the “selling” or “sharing” of your Personal Data for “cross-contextual behavioral advertising”, or “targeted advertising”, often referred to as “interest-based advertising” as well. You can exercise these rights as detailed in the “Cookies & Tracking Technologies” section above. You are able to install privacy-controls in the browser’s settings to automatically signal the opt-out preference to all websites you visit (like the “Global Privacy Control”). We honor the Global Privacy Control, where applicable, subject to your jurisdiction, as a valid request to opt-out of the sharing of information linked to your browser. Note you may have the right to authorize another person acting on your behalf to opt out (including by technical tools and opt out signals). In any event, please keep in mind that opt-out tools are limited to the browser or device you use because they work off your browser ID and device ID and, accordingly, you will need to opt-out on each browser and device you use. Your browser may save some information in its cookies and cache to maintain your privacy preferences. Clearing these may remove opt-out preferences, requiring you to opt-out again. |
Right to limit use | You have the right to limit use and disclosure of your Sensitive Personal Information (as defined below under Section 12A. “Additional Information For California Residents”). Please contact us. |
Right to appeal or lodge a complaint | If we decline to take action on your request, we shall so inform you without undue delay as required under applicable laws. The notification will include a justification for declining to take action and instructions on how you may appeal, if applicable. Additional information for the appeal procedure under certain state laws, please see section 12 below “Additional Specific Disclosures for Certain United States Jurisdictions”. |
Non-discrimination | Such discrimination may include denying a service, providing a different level or quality of service, or charging different prices. We do not discriminate our Website Visitors, Merchants, End-Users or others. If you have any reason to believe our services caused you to discrimination, please contact us directly at: legal@declines.io.io |
DATA RETENTION
We retain Personal Data we collect as long as it remains necessary for the purposes set forth above, all in accordance with applicable laws, or until an individual expresses a preference to opt-out.
Other circumstances in which we will retain your Personal Data for longer periods of time include: (i) where we are required to do so in accordance with legal, regulatory, tax, or accounting requirements; (ii) for us to have an accurate record of your dealings with us in the event of any complaints or challenges; or (iii) if we reasonably believe there is a prospect of litigation relating to your Personal Data. Please note that except as required by applicable law, we may at our sole discretion, delete or amend information from our systems, without notice to you, once we deem it is no longer necessary for such purposes.
SECURITY
We design our Services while your security and privacy in mind. We have implemented physical, technical, and administrative security measures for the Services that comply with applicable laws and industry standards.
Please contact us at: safety@declines.io, if you feel that your privacy was not dealt with properly, in a way that was in breach of our Privacy Policy, or if you become aware of a third party’s attempt to gain unauthorized access to any of your Personal Data. We will make a reasonable effort to notify you and the appropriate authorities (if required by applicable law) in the event that we discover a security incident related to your Personal Data.
CROSS-BOARDER DATA TRANSFER
Your Personal Data processed by declines.io is processed and stored by other entities, services providers, legal authorities, etc. as detailed above. Therefore, your Personal Data might be transferred to jurisdictions other than the jurisdiction from which you accessed our Services; and while the data is in the other jurisdiction, it may be accessed by the courts, law enforcement, and national security authorities. We will take appropriate measures to ensure that your Personal Data receives an adequate level of data protection upon its transfer. You may exercise your rights, where applicable, to receive information regarding the transfer mechanism that was used during such transfer.
CHILDREN
Our Website and Services are intended for general audience and is not directed to individuals under 18 years old. If we become aware that a person under 18 years old has provided us with Personal Data, we will delete such data from our databases.
If you become aware that a child has provided us with Personal Data, please contact us immediately at: legal@declines.io.io.
ADDITIONAL SPECIFIC DISCLOSURES FOR CERTAIN UNITED STATES RESIDENTS
Information provided below supplements the information contained in this Privacy Policy and applies solely to consumers who reside in each applicable state. These additional disclosures are intended to provide you with additional information with regard to our handling of your Personal Data and certain consumer rights.
Additional Information for California Residents
In this section, we provide information for California residents, as required under California privacy laws, including the California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA”), which requires that we provide California residents certain specific information about our information practices, including how we process their Personal Information. This section of the Privacy Policy does not apply to publicly available information or Personal Information that is otherwise exempt under the CCPA. To the extent you are a resident of California, and we collect “Personal Information” subject to CCPA, the following applies.
Categories of Personal Information Collected and Disclosed:
The table below identifies the categories of Personal Information we may collect about you (and may have collected in the prior 12 months), as defined by the CCPA, as well as the categories of third parties to whom we disclosed Personal Information for a business or commercial purpose.
Categories of Personal Information Collected | Third Party Disclosures for Business or Commercial Purposes |
Identifiers. Includes direct identifiers, such as name, or unique personal identifier; email address, phone number, and other contact information; IP address and other online identifiers. |
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Personal Information as identified in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e). Includes address, phone number bank account number, credit card number, debit card number, or other financial information. |
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Commercial information of services or products purchased by a consumer or failed transactions. |
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Internet or other electronic network activity information. Information collected while browsing our Website including clickstream data, actions taken on the website, as well as information regarding your interaction with an ad, counting ad impressions, etc. |
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Approximate location as derived by your device IP. |
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Sensitive Personal Information which includes financial account details collected from End-Users for the purpose of providing the Services including pulling a soft background check. |
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Sales and Sharing of Personal Information:
The CCPA defines “sale” as disclosing or making available Personal Information to a third-party in exchange for monetary or other valuable consideration, and “sharing” includes disclosing or making available Personal Information to a third-party for purposes of cross-context behavioral advertising. We do not sell your Personal Information. We may however share your Personal Information with a third party to help serve personalized content or ads that may be more relevant to your interests, and to perform other advertising-related services such as enabling our partners to serve such personalized content.
We do not sell or share any Sensitive Personal Information as such terms are defied under the CCPA and above.
Children:
We do not knowingly sell personal information about individuals who we know are under age sixteen (16).
Your CCPA Options:
Subject to certain conditions and exceptions, the CCPA provides California residents with specific rights outlined above under Section 7 “PRIVACY RIGHTS” with respect to their Personal Information,
California residents may exercise their CCPA privacy rights as set forth below:
- Right to Know, Delete, Correct, and Limit. California residents may submit CCPA requests to access/know, delete, and correct their Personal Information, and limit the use/disclosure of their Sensitive Personal Information by contacting us.
When you submit a request, we will take steps to verify your identity and request by matching the information provided by you with the information we have in our records. In some cases, we may request additional information in order to verify your identity, or where necessary to process your request. If we are unable to verify your identity after a good faith attempt, we may deny the request and, if so, will explain the basis for the denial.
You may also designate someone as an authorized agent to submit requests and act on your behalf. Authorized agents will be required to provide proof of their authorization in their first communication with us, and we may also require that the relevant consumer directly verify their identity and the authority of the authorized agent.
- Right to Opt-Out of Sales and Sharing. To exercise your right to opt-out of the “sale” or “sharing” of your Personal Information, you may do by contacting us. We will apply your opt out request based upon the Personal Information in our records that is linked or reasonably linkable to the information provided in your request. You may also click the “Do Not Sell or Share My Personal Information” link available through the cookies settings on the Website. In addition, if we detect that your browser or device is transmitting an opt-out preference signal, such as the “global privacy control” or “GPC” signal, we will opt that browser or device out of cookies that result in a “sale” or “sharing” of your Personal Information.
Shine the Light
Residents of California may request (i) a list of the categories of Personal Information disclosed by us to third parties during the immediately preceding calendar year for those third parties’ own direct marketing purposes; and (ii) a list of the categories of third parties to whom we disclose such information. To exercise a request, please contact us. We may require additional information from you to allow us to verify your identity and are only required to respond to requests once during any calendar year.
Additional Information for Colorado Residents
Under the Colorado Privacy Act (“CPA”), Colorado residents acting in an individual or household context (and not in a commercial, employment context or as a job applicant) or someone on their behalf, are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Data bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of a verifiable Consumer Request (no more than twice in a twelve-month period). We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the first 45 days. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at admin@declines.io and specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint as follows: Colorado AG at https://coag.gov/file-complaint/
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
Additional Information for Connecticut Residents
Under the Connecticut Data Privacy Act (“CDPA”), Connecticut residents acting in an individual or household context (and not in a commercial or employment context or as a representative of business, non-profit or governmental entity) or someone on their behalf, are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Data bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We shall respond to your request within 45 days of receipt. The response period may be extended once by 45 additional days when reasonably necessary, taking into account the complexity and number of requests and we inform you of such extension within the initial 45 days response period, together with the reason for the extension. If we decline to take action on your request, we shall so inform you without undue delay, within 45 days of receipt of your request. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at legal@declines.io.io and specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint to the Connecticut Attorney General at link: https://www.dir.ct.gov/ag/complaint/ or (860) 808-5318.
We shall provide information in response to your request free of charge, up to twice annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
Additional Information for Florida Residents
Under the Florida Digital Bill of Rights (“FDBR”), Florida residents acting in an individual or household context (and not in a commercial or employment context) are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Information bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of your request. We reserve the right to extend the response time by an additional 15 days when reasonably necessary and provided consumer notification of the extension is made within the original 45-day timeframe. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at legal@declines.io.io, specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to twice annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
Additional Information For Montana Residents
* Effective October 2024
Under the Montana Consumer Data Privacy Act (“MTCDPA”), Montana residents acting in an individual or household context (and not in a commercial or employment context) are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Information bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of your request. We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the original 45-day timeframe. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at legal@declines.io.io, specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint to the Montana Attorney General at: https://app.doj.mt.gov/apps/oscar/complaintstart.aspx.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to once annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
Additional Information For Orogen Residents
Under the Oregon Consumer Data Privacy Act (“OCDPA”), Oregon residents acting in an individual or household context (and not in a commercial or employment context) are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Information bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of your request. We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the original 45-day timeframe. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at legal@declines.io.io, specifying you wish to appeal. Within 45 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint to the Oregon Attorney General at: help@oregonconsumer.gov.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to once annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
Additional Information For Texas Residents
Under the Texas Data Privacy and Security Act (“TDPSA”), Texas residents acting in an individual or household context (and not in a commercial or employment context) are allowed to exercise certain rights regarding their Personal Data.
We will respond to your request within 45 days after receipt of your request. We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the original 45-day timeframe. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at legal@declines.io, specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint to the Texas Attorney General at: https://consumerprotection.texasattorneygeneral.gov/consumercomplaintportal/s/flow/TCP_Complaint_Input_Data_Privacy.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to twice annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
Additional Information for Virginia Residents
under the Virginia Consumer Data Protection Act (“VCDPA”) Virginia residents acting in an individual or household context (and not in a commercial or employment context) or someone on their behalf, are allowed to exercise certain rights regarding their Personal Data. This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Data bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of a verifiable Consumer Request (no more than twice in a twelve-month period). We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the first 45 days. If we refuse to take action on a request, you may appeal our decision within a reasonable period time by contacting us at admin@declines.io and specifying you wish to appeal. Within 60 days of our receipt of your appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, you may submit a complaint to the Virginia Attorney General at https://www.oag.state.va.us/consumercomplaintform.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to twice annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request we will not be able to grant your request.
Additional Information for Utah Residents
Under the Utah Consumer Privacy Act (“UCPA”), Utah residents acting in an individual or household context (and not in a commercial or employment context) are allowed to exercise certain rights regarding their Personal Data.
This disclosure does not apply to the collection, maintenance, disclosure, sale, communication, or use of any Personal Data bearing on a consumer’s credit worthiness to the extent such processing is regulated by, and authorized under, the Fair Credit Reporting Act (FCRA).
We will respond to your request within 45 days after receipt of your request (no more than twice in a twelve-month period). We reserve the right to extend the response time by an additional 45 days when reasonably necessary and provided consumer notification of the extension is made within the first 45 days. If we refuse to take action on a request, we will provide with the reasoning for our refusal.
If you have an account with us, we may deliver our written response to that account or via email at our sole discretion. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. You do not need to create an account for submitting a request.
Any disclosures we provide will only cover the 12-months period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
We shall provide information in response to your request free of charge, up to twice annually, unless requests are manifestly unfounded, excessive or repetitive. If we are unable to authenticate your request using commercially reasonable efforts, we may request additional information reasonably necessary to authenticate you and your request. If we cannot authenticate you and your request, we will not be able to grant your request.
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