Lighthouse Privacy Policy
The following Company privacy policy (“Privacy Policy”) is designed to inform you, as a user of the Lighthouse Platform, about the types of information that the Company may gather about or collect from you in connection with your use of the Lighthouse Platform. It is also intended to explain the conditions under which the Company uses and discloses that information and your rights to that information.
GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY IDENTIFYING INFORMATION
Users of the Lighthouse Platform
“Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly associated with a specific person.
“Personally-Identifying Information,” by contrast, is information such as a name or email address that, without more, can be directly associated with a specific person.
Company gathers from users of the Lighthouse Platform Non-Personally-Identifying Information of the sort that Web browsers, depending on their settings, may make available. That information includes the user’s Internet Protocol (IP) address, operating system and browser type, and the locations of the Web pages the user views right before arriving at, while navigating and immediately after leaving the Lighthouse Platform. Although such information is not personally identifiable, it may be possible for Company to determine from an IP address a user’s Internet service provider and the geographic location of the visitor’s point of connectivity as well as other statistical usage data.
Company analyzes Non- Personally-Identifying Information gathered from users of the Lighthouse Platform to help Company better understand how the Lighthouse Platform is being used. By identifying patterns and trends in usage, Company is able to better design the Lighthouse Platform to improve users’ experiences, both in terms of content and ease of use. From time to time, Company may also release the Non-Personally Identifying Information gathered from Lighthouse Platform users in the aggregate, such as by publishing a report on trends in the usage of the Lighthouse Platform.
COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING
INFORMATION
Lighthouse Platform Registration
As defined above, Personally-Identifying Information is information that can be directly associated with a specific person. Company may collect a range of Personally-Identifying Information from and about Lighthouse Platform users. Much of the Personally-Identifying Information collected by Company about users is information provided by users themselves when registering for our service.
Financial Information
The services provided to you via the Lighthouse Platform require qualification. In order to qualify for these services,(1) you may authorize Company to have view-only access to your bank account, which may include access to information on account balances, transaction history, etc., (2) we may take a pre- authorization on your bank account and/or credit card to validate that sufficient funds are available fo use of the Lighthouse Platform, (3) we may run a credit check on you, (4) we may report credit performance to credit bureaus, and (5) we may access other information and data relevant to your qualification for our security deposit alternative.
The foregoing processes may result in Company obtaining various types of financial information about you. Company will use and maintain such information in accordance with this Privacy Policy and applicable laws and regulations. Company will only use such information for the purpose of performing and enhancing the services and products available on the Lighthouse Platform, as further explained under our Terms of Service and within this Lighthouse Privacy Policy.
Plaid Services. You acknowledge and agree that we use Plaid (www.plaid.com) for accessing and managing certain financial information and such information, which includes your bank account information as well as your bank account’s current balance and transaction history, will be treated by Plaid in accordance with Plaid’s Privacy Policy viewable at https://plaid.com/legal/. You agree to the terms of the Plaid Privacy Policy when using the Lighthouse Platform.
BY REGISTERING WITH OR USING THE Lighthouse PLATFORM, YOU CONSENT TO THE USE AND DISCLOSURE OF YOUR PERSONALLY IDENTIFYING INFORMATION AS DESCRIBED IN THIS Lighthouse PRIVACY POLICY.
Company Disclosures
Company will disclose Personally-Identifying Information under the following circumstances:
– By Law or to Protect Rights. When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our Company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our Terms of Use or other agreements or policies, in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
– Marketing Communications. Unless users opt-out from receiving Company marketing materials upon registration, Company may email users about products and services that Company believes may be of interest to them. If a user wishes to opt-out of receiving marketing materials from Company, user may do so by following the unsubscribe link in email communications, by going to your account settings (if applicable) or contacting us using the contact information below.
– Third Party Service Providers. We may share your Personally-Identifying Information, which may include your name and contact information (including email address) with our authorized service providers that perform certain services on our behalf. These services may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting the Lighthouse Platform functionality, and supporting surveys and other features offered through the Lighthouse Platform. We may also share your name, contact information and credit card information with our authorized service providers who process credit card and direct debit payments. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose.
– Business Transfers; Bankruptcy. The companyCompany reserves the right to transfer all Personally-Identifying Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of Company’s assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred
– Personally-Identifying Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and are given an opportunity to affirmatively opt-out of it. PersonallyIdentifying Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by the successor organization.
Protection of Privacy for Minors
Our Services are solely for persons aged 18 and older and we take the privacy of minors very seriously.
If we learn that Personal Information has been collected from persons under the age of 18 on or through the Services, we will take the appropriate steps to erase this information. Also, if it comes to our attention that a registered user is a child under 18 years of age, we will cancel that user’s account and/or access to the Services.
IF YOU ARE UNDER THE AGE OF 18, YOU MAY NOT USE OR ACCESS OUR SERVICES OR OUR SITE.
Compliance with State and Federal Laws
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state charged with overseeing privacy rights for consumers.
CALIFORNIA PRIVACY RIGHTS
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to the address listed below.
How Do We Protect Your Information?
We have implemented reasonable precautions to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our efforts, no data security measures can guarantee security.
You should take steps to protect against unauthorized access to your password, phone, and device by, among other things, signing off after using a shared computer, choosing a robust password that nobody else knows or can easily guess, and keeping your log-in and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.
PRIVACY POLICY CHANGES
Company may, in its sole discretion, change this Privacy Policy from time to time. Any and all changes to Company’s Privacy Policy will be reflected on this page and the date new versions are posted will be stated at the top of this Privacy Policy. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your account. Users should regularly check this page for any changes to its Privacy Policy. Company will always post new versions of the Privacy Policy on the Obligo Platform. However, Company may, as determined in its discretion, decide to notify users of changes made to this Privacy Policy via email or otherwise. Accordingly, it is important that users always maintain and update their contact information.
Contact
Phone: (818) 401‐3300
Email: support@mylighthouse.co
Address: My Lighthouse, 1644 Pacific Palisades, CA 90272