Privacy

This Privacy Policy is provided by Income Group (“the Company”), on behalf of itself and certain of the various companies that it owns.

Your privacy is important to us. In this Privacy Policy, we will explain what personal information we collect, and what methods we use to protect it.

In Section I, the company provides a Financial Privacy Statement. This Financial Privacy Statement applies to all customer information we obtain.
In Section II, the company provides a Website Privacy Statement, which describes the information we collect when you visit or use our website.
If you have questions about this Privacy Policy, or if you wish to correct any information that you have previously provided, please contact us at:

Customer Service—Privacy Coordinator – Legal Department

Income Group
P.O. Box 212034
West Palm Beach, FL 33421
(800) 287-2273

The date of this policy is March 1, 2015

SECTION I: FINANCIAL PRIVACY STATEMENT

Why is this notice provided?

Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all information sharing. Federal law also requires us to tell you how we collect, share, & protect your personal information. Please read this notice carefully to understand what we do. Please note that additional protections apply to confidential information submitted. These additional protections are described in separate disclosures to be provided at the time of collection. See Section II, below.

What types of personal information do you collect and share?

The types of personal information we collect and share depend on the contracts you have with us. This information can include:

How will my personal information be shared?

Most companies need to share personal information to run their everyday business. In the section below, we list the reasons the Company can share your personal information; the reasons the Company chooses to share; and whether you can limit this sharing.

Reasons We Can Share Your Personal Information Does the Company Reserve The Right To Share? Can You Limit This Share?
For our everyday business purposes— such as to process your information with advertisers for evaluating compatibility as a qualified candidate. Yes No
For our marketing purposes— To be able to offer your services for contract negotiations. Yes No
For joint marketing with other companies Yes No For our Affiliates’ everyday business purposes— information and tracking of your contracts. Yes No For our Affiliates’ everyday business purposes— information about your creditworthiness. Yes Yes
For our Affiliates to market to you. Yes Yes
For Non-affiliates to market to you. Yes Yes

Your personal information may also be shared:

We may also share or disclose your non-public personal information (as described above) with Non-affiliated companies as described below:

How can I limit the sharing of my information?

If we have no prior relationship with you, we can begin sharing your information 30 days from the date we send you this notice by mail. When you are no longer our contractor, we will continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Direct marketing is email, postal mail and telephone marketing. Your opt-out choices will last until you cancel them in writing or electronically, subject to applicable law. Even if you limit direct marketing, we may still contact you to service your transaction or as otherwise allowed by law.

Companies owned by the Company may choose not to share personal information with Affiliates or Non-affiliates, even if that sharing is generally allowed.

How does the company protect my personal information from unauthorized access and use?

To protect your personal information from unauthorized access and use, we use administrative, physical, and technical security measures. These measures include computer safeguards and secured buildings, and files.

How does the company collect my personal information?

We collect your personal information, for example, when you:

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

State laws and individual companies may give you additional rights to limit
What happens when I limit information-sharing relating to a transaction I completed where there was another individual (e.g. another seller) involved?
Your choices will apply to all transactions that you have completed where there was with another customer also involved and will apply to their information as well.

Definitions
Affiliates Companies related by common ownership or control. Our Affiliates include companies that acquire assets such as marketing information?. Every company in that family is an Affiliate of every other company in that family. If you establish a relationship with one company on that list, every other company on that list will be considered an Affiliate.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint marketing A formal agreement between Nonaffiliated companies that market transactions to you.

Is there anything else I should know?

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions in the section above entitled, “How can I limit the sharing of my information?”.

SECTION II: WEBSITE PRIVACY STATEMENT

When you visit or browse our website, we and our advertising, marketing, or service partners may collect information such as your Internet Protocol or “IP” address, the “URL” of the web pages you visit, and may use “cookies,” web beacons, or other objects to collect statistical and other information about your use of the our website and other websites. The purpose of collecting this information is to improve the effectiveness of our website and to conduct targeted advertising or marketing. The collected information may include, for example, the web pages you visited; the date and time of your visit; the websites you visited immediately before and after visiting our web site; your language preference; demographic information; the kind of browser you use; and the popularity of various advertising words and phrases used by us. The collection of this information allows for the compilation of aggregate and anonymous information about the usage of our website and other websites.

Furthermore, our website may also use one or more media-players in order to deliver video content. Accordingly, the site may place a local shared object or “flash cookie” on your computer in order to enhance the functionality of such media-players and to remember personalized settings for future use.

Your web browser should allow you to manage cookies and you can manage your Flash cookies by visiting
http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html. “Flash” is a registered trademark of Adobe Systems Incorporated.

We define children as individuals under the age of 16. Our website is not intended for the use of children and we do not knowingly solicit or collect information from or about children.