PRIVACY POLICY
Effective Date: July 1,
2018
Welcome!
This privacy policy ( Privacy Policy ) governs the website www.myreserv.com
(including both mobile and online versions) (the Site ), and the Reserv digital layaway and/or envelope Reserv system
(the Platform ), including your use
of interactive features, widgets, plug-ins, applications, content, downloads
and/or other online services that we own and control and that post a link to this
Privacy Policy (the Site and Platform are collectively referred to herein as
the Service ), which are made
available by Agatsu, LLC, d/b/a Forward Funded d/b/a Reserv ( Reserv , we our or us ).
This
Privacy Policy does not apply to data we
receive from third parties, unless we combine such data with Personal
Information (defined below) that we have ourselves collected under this Privacy
Policy. This Privacy Policy does not
apply to our data collection activities offline or otherwise outside of our
Service (unless otherwise stated below), and does not
govern the data practices of third parties that may interact with our Service.
For some elements of our
Service, we may provide you notice of different or additional privacy policies
or practices (e.g., at the point of
our collection) that apply to your interactions with that element of the
Service. To the extent that the terms of
those different or additional privacy policies or practices conflict with the
terms of this Privacy Policy, those additional terms shall govern with respect
to the data collection and use associated with that element of the Service.
In addition, please review the Service s Terms of Use, which governs your use of
the Service. By using our Service, you
consent to our Privacy Policy and Terms of Use and our collection, use and
sharing of your information and data, and other activities, as described below. If you do not
agree to the terms of this Privacy Policy, please do not provide us with any
Personal Information and do not use this Service.
1. What
Information Does the Service Collect?
(a)
Information You Provide to Us
On the Service, we may ask you to provide us, or
our service providers, with certain categories of information, such as: (1)
personally identifiable information, which is information that identifies you
personally, such as your first and last name, phone number, bank account information,
username and password, credit card numbers, date of birth, home address and
email address ( Personal Information );
and (2) demographic information, such as information about your gender ( Demographic Information ). We may collect this information through
various forms and in various places on the Service, including if you register
for an account, through contact us forms, or when you otherwise interact with
the Service. If we combine Demographic
Information with the Personal Information we collect directly from you on the
Service, we will treat the combined data as Personal Information under this
Privacy Policy.
(b)
Google Analytics and other analytical services on our site.
We use Google Analytics, a web analytics service
provided by Google, Inc., on our Websites. Google Analytics uses cookies or
other tracking technologies to help us analyze how users interact with and use
the Websites, compile reports on the Websites activity, and provide other
services related to Websites activity and usage. The technologies used by Google may collect
information such as your IP address, time of visit, whether you are a return
visitor, and any referring website. The
Websites do not use Google Analytics to gather information that personally
identifies you. The information
generated by Google Analytics will be transmitted to and stored by Google and
will be subject to Google s privacy policies. To
learn more about Google s partner services and to learn how to opt out of
tracking of analytics by Google click here.
We may use other such analytical services on our site to improve its
functionality for users.
(c) Do Not Track Signals
Various third parties are developing or have
developed signals or other mechanisms for the expression of consumer choice
regarding the collection of information about an individual consumer s online
activities over time and across third-party websites or online services (e.g., browser do not track
signals). Currently, we do not monitor
or take any action with respect to these si
2. How Do We Use the Information Collected?
We may use your Personal Information, Demographic Information or Usage
Information that is subject to this Privacy Policy:
to provide you with information
such as to send you electronic newsletters or to provide you with special
offers or promotional and marketing materials on behalf of us or third parties,
including to let you know about new products, services or upcoming events;
to process your transactions;
to verify your identity,
including your accounts stored on the Service;
manage risk, or to detect,
prevent, and/or remediate fraud or other potentially prohibited or illegal
activities;
manage and protect our
information technology infrastructure;
to improve the Service, marketing
endeavors or our Service offerings;
to customize your experience on
the Service or to serve you specific content or ads that are relevant to you,
including using your location information to display advertisements for
businesses in your close vicinity;
to provide customer support,
including to resolve disputes, collect fees and troubleshoot problems;
to contact you with
regard to your use of the Service and, in our discretion, changes to the
Service and/or Service s policies;
to identify your product and
Service preferences so that you can be informed of new or additional products,
services and promotions;
to enable you to participate in a
variety of the Service s features;
to improve the overall experience
at the Service;
for internal business purposes;
and
for purposes disclosed at the
time you provide your information or as otherwise set forth in this Privacy
Policy.
3. How and When Do We
Share Information with Third Parties?
We may share non-Personal Information, such as
aggregated user statistics, with third parties. We share your Personal Information with
merchants and other payment processing service providers
so they can process the transactions initiated from your Service account. Further, we may share your Personal
Information with third parties such as the merchant selling you products and
services and other partners or others with whom we have marketing or other
relationships for the third parties direct marketing purposes. In
addition, we may share the information we have collected about you, including
Personal Information, as disclosed at the time you provide your information and
as described below or otherwise in this Privacy Policy. RESERV may additionally disclose your
information as follows:
(a) When You Request Information From
or Provide Information to Third Parties. You may be presented with an option on our Service to receive certain
information and/or marketing offers directly from third parties or to have us
send certain information to third parties or give them access to it. If you choose to do so, your Personal Information
and other information may be disclosed to such third parties and all
information you disclose will be subject to the third-party privacy policies
and practices of such third parties. In
addition, third parties may store, collect or otherwise have access to your
information when you interact with their Tracking Technologies, content, tools,
apps or ads on our Service or link to them from our Service. This may include using third-party tools such
as Facebook, Twitter, Pinterest or other third-party posting or content sharing
tools and by so interacting you consent to such third party
practices. We are not responsible for
the privacy policies and practices of such third parties and, therefore, you
should review such third-party privacy policies and practices of such third
parties prior to requesting information from or otherwise interacting with
them.
(b) Third Parties Providing
Services on our Behalf.
We may use third-party vendors to
perform certain services on behalf of us or the Service, such as: (i) to assist us in Service operations; (ii) to manage a
database of customer information; (iii) hosting the Service; (iv) designing
and/or operating the Service s features; (v) tracking the Service s activities
and analytics; (vi) enabling us to send you special offers or perform other
administrative services; and (vii) other services designed to assist us in
maximizing our business potential. We
may provide these vendors with access to user information, including Personal
Information, to carry out the services they are performing for you or for
us. Third-party analytics and other
service providers may set and access their own Tracking Technologies on your
Device and they may otherwise collect or have access to information about
you. We are not responsible for those third party technologies or activities arising out of
them. However, some may offer you
certain choices regarding their practices, and information we have been
informed of regarding such choices is available at the end of this document. We
are not responsible for the effectiveness of or compliance with any third parties opt-out options.
(c) To Protect the Rights
of RESERV and Others.
We may access, use, preserve, transfer and disclose your information
(including Device Identifiers and Personal Information) to third parties: (i) to satisfy any applicable law, regulation, subpoenas,
governmental requests or legal process if in our good faith opinion such is
required or permitted by law; (ii) to protect and/or defend the Service s Terms of Use or other policies
applicable to the Service, including investigation of potential violations
thereof; (iii) to protect the safety, rights, property or security of the
Service or any third party; and/or (iv) to detect, prevent or otherwise address
fraud, security or technical issues.
Further, we may use IP address or other Device Identifiers to identify users, and may do so in cooperation with third parties such
as copyright owners, internet service providers, wireless service providers
and/or law enforcement agencies, including disclosing such information to third
parties, all in our discretion, subject to applicable law. Such disclosures may be carried out without
notice to you.
(d) Affiliates and Business
Transfer. We may
share your information, including your Device Identifiers and Personal
Information, Demographic Information and Usage Information with our parent,
subsidiaries and affiliates. We also
reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the
Service or applicable database; or (ii) in connection with a merger,
consolidation, restructuring, the sale of substantially all
of our interests and/or assets or other corporate change, including,
during the course of any due diligence process.
(e) Your California
Privacy Rights. If you are a California resident, California law permits you to request
certain information regarding the disclosure of your personal information by us
and our related companies to third parties for the third parties' direct
marketing purposes. To make such a
request (limit one request per year), please send an email to: info@myreserv.com
with California Privacy Rights as the subject line or mail us a letter to: Reserv,
128 Monroe St., Rockville, MD 20850 (Attn: Privacy Officer). You must include your full name, email
address, and postal address in your request.
4. Does Third-Party Content, Links to
Third-Party Sites, and/or Third-Party Apps Appear on the Service?
When you are on the Service you may be directed to
other sites and apps that are operated and controlled by third parties that we
do not control such as merchants who directly sell products and services to you. We are not responsible for the data
collection and privacy practices employed by any of these third parties or
their sites or apps and they may be tracking you across multiple online
services and may be sharing the results of that tracking with us and/or
others. These third parties may have
their own terms of service, privacy policies or other policies and ask you to
agree to the same. For example, if you
click on a link, the click may take you off the Service onto a different
location. These other online services
may associate their Tracking Technologies with you, independently collect
information about you, including Personal Information, and may or may not have
their own published privacy policies. We
are not responsible for these third-party privacy policies or practices. Be sure to review any available policies
before submitting any personally identifiable information to a third-party
application or otherwise interacting with it and exercise caution in connection
with these applications. We also
encourage you to note when you leave our Service and to review the third-party
privacy policies of all third-party locations and exercise caution in
connection with them.
6. How Do I Change My Information and
Communications Preferences?
You are responsible for maintaining the accuracy of the information you
submit to us, such as your contact information provided as part of
registration. The Service may allow you
to review, correct or update Personal Information you have provided through the
Service s registration forms or otherwise by updating your Service account, and
you may provide registration updates and changes by contacting us by email at: info@myreserv.com. If so, we will make good faith efforts to
make requested changes in our then active databases as soon as reasonably
practicable (but we may retain prior information as business records). Please note that it is not always possible to
completely remove or delete all of your information
from our databases and that residual data may remain on backup media or for
other reasons. When you edit your
Personal Information or change your preferences on the Service, information
that you remove may persist internally for RESERV s administrative
purposes. You may cancel or modify our
email marketing communications you receive from us by following the
instructions contained within our promotional emails. This will not affect subsequent subscriptions
and if your opt-out is limited to certain types of
emails the opt-out will be so limited.
Please note that we reserve the right to send you certain communications
relating to your account or use of our Service, such as administrative and
Service announcements and these transactional account messages may be
unaffected if you choose to opt-out from receiving our marketing
communications.
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7. What About the Transfer of
Information to the United States?
Our Service is operated in the
United States. If you are located
outside of the United States, please be aware that information we collect,
including Personal Information, will be transferred to, and processed, stored
and used in the United States. The data
protection laws in the United States may differ from those of the country in which
you are located. By using the Service or
providing us with any information, you consent to the transfer to, and
processing, usage, sharing and storage of your information, including Personal
Information, in the United States.
9. What About Security?
We endeavor to incorporate commercially reasonable
safeguards to help protect and secure your Personal Information. However, no data transmission over the
Internet, mobile networks, wireless transmission or electronic storage of
information can be guaranteed to be 100% secure. Please note that we cannot ensure the
security of any information you transmit to us, and you use our Service and
provide us with your information at your own risk.
10. What About Changes to the Privacy
Policy?
We reserve the right to change this Privacy Policy
at any time. Any changes will be
effective immediately upon the posting of the revised Privacy Policy and your
use of our Service after such posting indicates your consent to those changes. To the extent any provision of this Privacy
Policy is found by a competent tribunal to be invalid or unenforceable, such
provision shall be severed to the extent necessary for the remainder to be
valid and enforceable.
11. Contact Reserv
If you have any questions about the Privacy Policy or practices
described in it, you should contact us in the following ways: Postal Mail:
Reserv, 128 Monroe St., Rockville, MD 20850 (Attn: Privacy Officer); Email: info@myreserv.com.