iVita Financial, LLC. Privacy Policy

Effective: 2/4/23

iVita Financial, LLC (“iVitaFi” or “Company”) takes your privacy seriously. We want you to know how we collect, use, share, and protect your personal data. This website, www.ivitafinancial.com (the “Site”), is operated by iVita Financial, LLC. This Privacy Policy provides information about our policy and commitments regarding data collection, use, and sharing for our corporate websites.

This Privacy Policy tells you:

Unless otherwise indicated below, this Privacy Policy applies to all personal data that we collect on and off the website www.ivitafinancial.com as it may be modified, relocated and/or redirected from time to time (the “Site”).

This Privacy Policy works and should be read in conjunction with the Terms of Use (but does not modify or supersede them. Terms which are capitalized but not defined herein shall have the meaning ascribed to them in the Terms and Conditions

If you do not want us to handle your personal data as described in this Privacy Policy, please do not use the Site. If you reside outside the U.S., you will not be able to submit personal data through this Site unless you consent to this Privacy Policy. Your use of this Site constitutes your acceptance of this Privacy Policy and your consent to the practices described in the policy. You are not to continue to use the Site unless you agree to the terms described herein

Personal data means information that relates to you as an individually identifiable person, such as your name, e-mail address, and mobile number.

1. What personal data we collect

A person must be eighteen (18) years or older to use our Services. A person must be eighteen (18) years or older to use our Services.

We do not knowingly collect personal information from children under the age of thirteen (13). If you have reason to believe that a child under the age of thirteen (13) has provided personal information to us, please contact us, and we will endeavor to delete that information from our databases.

a) Information You Give Us
We collect personal data that you voluntarily share with us through the Site. For example, we collect information from you when you fill out a request form on the Site.

The personal data you might provide us may include: Contact details, examples include your name, e-mail address, postal address, and other information to conduct business with you (“Personal Information“). The Company also may collect certain non-personally identifiable information when you visit many of our Web pages such as the type of browser you are using (e.g., Internet Explorer, Chrome, Firefox, Safari), the type of operating system you are using, (e.g., Windows, Chrome OS, Android or Mac OS), the domain name of your Internet service provider (e.g., AT&T, Verizon, Time Warner Cable, Comcast, Earthlink), aggregate data about the number of visits to the Website and/or aggregate data about the pages visited (collectively “Aggregate Data“).

You may also submit contact information, including name, company name, product information, and delivery address. This information is transmitted via Transport Security Layer to the Company’s email and storage systems.

b) Information We Collect Through Technology on The Site
We collect information through technology to enhance our ability to serve you. When you access and use the Site, Company and, in some cases, our third-party service providers collect information about how you interact with the Site. We describe below methods we use to collect information through technology.

IP Address and Other Connection Information

When you visit the Site, we collect your device identifier, browser information, and Internet Protocol (IP) address. An IP address is often associated with the portal you used to enter the Internet, like your Internet service provider (ISP), company, association, or university. While an IP address may reveal your ISP or geographic area, we cannot determine your identity solely based upon your IP address. We do not link your personal data to device identifier information, browser information, and IP addresses. Where, according to local law, IP addresses and the like are considered personal data, then we treat them as such.

Do We Use Cookies?

Yes. Cookies are small files that the Site or our service provider transfers to your computer’s hard drive through your Web browser that enables the Site’s or service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to help us understand how users use the Site. For example, cookies gather information about how long you spend on a web page so that we can understand what web pages are of most interest to users.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off cookies by adjusting your browser settings. If you turn off your cookies, some of the features on the Site may not function properly.

Google Analytics

We use cookies provided by Google Analytics, a third-party service provider, to assist us in better understanding our Site visitors. These cookies collect data tied to a user’s IP address, such as the length of time a user spends on a page, the pages a user visits, and the websites a user visits before and after visiting the Site. Based on this information, Google Analytics compiles aggregate data about Site traffic and Site interactions, which we use to offer better Site experiences and tools in the future. Google Analytics does not collect any personal data (other than IP Address which may be considered personal data in some countries). For more information on Google Analytics, visit https://support.google.com/analytics.

Web Beacons

We include small graphic images or other web programming code, called web beacons (also known as “pixel tags”, “web bugs” or “clear GIFs”), on the Site. The web beacons are minute graphics with a unique identifier. They are used to track the online movements of Web users. In contrast to cookies, which are stored in a user’s computer hard drive, web beacons are embedded invisibly on Web pages and are about the size of the period at the end of this sentence.

Your ‘Do Not Track’ Browser Setting

We support the Do Not Track (DNT) browser setting. DNT is a preference you can set in your browser’s settings to let the websites you visit know that you do not want the websites collecting your personal data.

Unless you tell us otherwise by selecting the DNT browser setting, we may track your online activities over time and across third-party websites or online services. For example, we might use web beacons to help us determine what links or advertisers brought you to our Site. We then track your activities on our Site. We also may use web beacons to track your visits to other websites so that third-party service providers can display Company advertisements to you on those other websites based on your activities while on the Site (“remarketing”).

c) Information Third Parties Provide About You
We may supplement the information we collect about you through the Site with records received from third parties to enhance our ability to serve you, to tailor our content to you, and to offer you information that we believe may be of interest to you. For example, the service provider that processes orders submitted through the Site shares your order information, but not payment information, with us.

d) Information You Provide to A Third Party
The Site includes links from the Site to, and plug-ins (such as Twitter buttons) from, sites or applications operated by third parties (“Third-Party Sites”). Company does not control any Third-Party Sites and is not responsible for any information they may collect. The information collection practices of a Third-Party Site are governed by its privacy policy. It is your choice to enter any Third-Party Site. We recommend that you read its privacy policy if you choose to do so.

2. Purposes for which we use the personal data we collect

We use the information we collect to serve you and improve your experience on the Site. Some examples include:

  • Addressing service complaints
  • Communicating with you by email, telephone, or text message, in accordance with your wishes
  • Evaluating job applications
  • Sending you marketing and promotional emails, on behalf of Company, unless you have told us you do not want to receive such emails
  • Troubleshooting technical problems on the Site
  • Responding to questions and feedback
  • Conducting research and analysis
  • Marketing and advertising our products and services
  • Improving customer service
  • Continuously evaluating and improving the online and mobile user experience
  • Preventing, discovering and investigating violations of this Privacy Policy or any applicable terms of service or terms of use for the Mobile Application, and investigating fraud, chargebacks or other matters
  • Compliance with the law or to protect the rights, property, or safety of Company, our users, or others, including to maintain network and information security, for fraud prevention, and to report suspected criminal acts]

Data Retention

We retain your personal data for the duration of the customer relationship, if any. We also retain your personal data for 12 months or the length required by law, after our last interaction with you.

3. How we share the personal data we collect

We do not sell or rent your personal data to third parties. The following are some of the ways we share your personal data:

Third-Party Service Providers: We will share your personal data with third-party service providers under contract with Company to help us provide services to you. The following are some examples of the types of third-party service providers with which we share your personal data and our purpose for doing so:

Data Analytics: We retain third-party service providers to help us perform data analytics regarding your interactions with the Site. For example, Google Analytics may track what pages users visit on the Site and how long they stay there to determine how users use the Site.
Legal Advice: We may disclose your personal data to an attorney in the process of obtaining legal advice.

Advertising Platforms: We may disclose the fact that you visited the Site to advertising networks so that they can show you Company advertisements on other websites and platforms. These services can help us tailor advertising that we think may be of interest to you based on your use of the Site and to otherwise collect and use data about your use of the Site.

We require these third-party service providers, by written agreement, to provide safeguards for your personal data similar to the ones that we provide.

Required Disclosures: We may be required to share personal data in a court proceeding, in response to a court order, subpoena, civil discovery request, other legal process, or as otherwise required by law.

Legal Compliance and Protections: We may disclose account and other personal data when we believe disclosure is necessary to comply with the law or to protect the rights, property, or safety of Company, our users, or others. This includes exchanging personal data with other companies and organizations for fraud protection and credit risk reduction.

Corporate Transactions: We reserve the right to disclose and transfer your data, including your personal data:

To a subsequent owner, co-owner, or operator of the Site or successor database.
In connection with a corporate merger, consolidation, bankruptcy, the sale of substantially all of our membership interests and/or assets or other corporate change, including to any prospective purchasers.

4. How we protect the personal data we collect

The security and confidentiality of your personal data is important to us. We have technical, administrative, and physical security measures in place to protect your personal data from unauthorized access or disclosure and improper use.

For example, we use Transport Security Layer (TSL) encryption to protect the data collection forms on our Site. In addition, we restrict access to your personal data. Only employees who need the personal data to perform a specific job (for example, a customer service representative) are granted access to personal data. Employees with access to personal data are kept up to date on our security and privacy practices.

It is important for you to protect against unauthorized access to your password and to your computer. Be sure to close your browser after you have completed your visit to the Site.

Please note that despite our reasonable efforts, no security measure is ever perfect or impenetrable, so we cannot guarantee the security of your personal data.

5. Your choices regarding your personal data

You may contact information@ivitafinancial.com to access, update, correct, and delete your personal data.

In addition, you may cancel or modify the email communications you have chosen to receive from Company by following the instructions contained in emails from us. Alternatively, you may email Company at information@ivitafinancial.com with your request, stating ’Unsubscribe‘ in the header and what email addresses you wish not to receive Company emails. Within a reasonable period, we shall ensure that such email addresses are unsubscribed.

HAVE QUESTIONS

If you have any questions about this Privacy Policy, we’ll do our best to answer them promptly. You can contact us at: information@ivitafinancial.com.

6. Information specific to non-U.S. users

This Privacy Policy applies to all residents of the US. If you are a non-U.S. user, please see the website privacy that applies to your country, if a policy does not exist this policy may apply to you.

7. Changes to this privacy policy

If we change this Privacy Policy, we will post those changes on this page and update the Privacy Policy modification date above. If we materially change this Privacy Policy in a way that affects how we use or disclose your personal data, we will provide a prominent notice of such changes and the effective date of the changes before making them.

8. Your California privacy rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, please review the CCPA Privacy.

CALIFORNIA RESIDENTS

California Consumer Privacy Act

If you are a California resident, this Privacy Notice for California Residents supplements the information contained in Company’s Website Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California including a business (“consumers” or “you”). The Company adopts this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Notice.

This Privacy Policy addresses the following topics

  • The Scope of this Privacy Policy
  • The Company’s Collection, Use and Disclosure of Personal Information
  • Your California Privacy Rights
  • How to Exercise Your Rights
  • How We Will Verify Your Requests
  • Requests by Authorized Agents
  • The Company’s Non-Discrimination Policy
  • Your Right to Information About Disclosures of Personal Information for Direct Marketing Purposes
  • Your “Do Not Track” Browser Setting
  • Third-Party Links and Services
  • Minors Under 13 Years of Age
  • For More Information
  • Changes to This California Privacy Policy

The section of this policy entitled, “The Company’s Collection, Use and Disclosure of Personal Information”, severs as your notice at collection required by California law when we collect personal information about you online

The Scope of This Privacy Policy

What Is Personal Information?

“Personal Information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California Consumer or household.

Whose Personal Information Is Covered By This Policy?

This California Privacy Policy applies to the Personal Information of residents of the State of California in their capacity as consumers (“California Consumers”).

What Personal Information Does This Privacy Policy Cover?

This Privacy Policy applies to all Personal Information of California Consumers that we collect both online and offline, including through California Consumers’ (a) visits to our website, (b) calling our business, and (c) use of our products, applications, or services that references this Privacy Policy (collectively, the “Services”).

Whose Personal Information Is Not Covered By This Privacy Policy?

For purposes of this Privacy Policy, “Personal Information” does not include the personal information of California residents who are:

  • Company’s employees, job applicants, directors, officers, or independent contractors (collectively, “HR Individuals”), or the emergency contacts of HR Individuals or the dependents or spouses who receive Company benefits by virtue of their relationship to an HR Individual in their capacities as HR Individuals or emergency contacts, dependents, or spouses; or
  • Employees or other agents of a business engaged in a transaction with Company in their capacities as employees or agents of that business.

What Else Should I Know About The Company’s Handling Of California Consumers’ Personal Information?

Please carefully read the Company’s Terms of Use and our Website Conditions of Use, as they contain important information about your use of the Services. If you have any questions, please contact us using the information below.

The Company’s Collection, Use And Disclosure Of Personal Information

This section of the Privacy Policy describes, for the 12 months preceding the date last updated, above, (a) the categories of Personal Information we have collected about you, (b) the sources of that Personal Information, (c) the business and commercial purposes for use, and (d) the categories of third-party recipients of your Personal Information.  Unless we inform you otherwise, this section also serves as our “notice at collection” by informing you of your Personal Information to be collected in the future and the purposes for its use.

Categories of Personal Information Collected

In the last 12 months, Company collected the following categories of Personal Information about California Consumers:

  • Identifiers, including: real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, and account name.
  • Categories described in Cal. Civ. Code § 1798.80(e)(except those already listed in “Identifiers” above), including: medical information, photograph, social security number, driver’s license, bank account number, debit card, or any other financial information.
  • Characteristics of protected classifications under California or federal law, including: age, gender, or marital status.
  • Commercial information, including: products and services purchased; product registration data; purchase, service, and installation dates.
  • Internet or other electronic network activity information, including: …
  • Geolocation data, including: physical location or movements.
  • Professional or Employment-Related Information
  • Profile information, including: attitudes collected from open-ended comments left by users on Company website; purchasing patterns.

Personal information does not include:

  • Publicly available information from government records.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, like:
    • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Sources of Personal Information and Purposes For Using Personal Information

In the last 12 months, Company collected the categories of Personal Information listed above from the following sources and used those categories of Personal Information for the following purposes:

Categories of Personal Information Collected in the Last 12 Months Sources of that Personal Information Business Purposes and Commercial Purposes for Collecting that Personal Information
Identifiers Directly from you. For example, from forms you complete or products and services you purchase, either online or by phone. ·       Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting impressions to unique visitors, verifying positioning and quality of impressions, and auditing compliance with the law.

·       Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

·       Debugging to identify and repair errors that impair existing intended functionality.

·       Short-term, transient use.

·       Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, and providing analytic services.

·       Undertaking internal research for technological development and demonstration.

·       Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by Company, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by Company.

·       Product and service training, for example, by providing training and information on using, servicing, selling, and displaying Company’s products and services.

·       Communications about promotions, for example, by communicating about special events, sweepstakes, promotions and surveys.

·       Facilitating communications, for example, by collecting and organizing contact information, establishing means of communications, and communicating with current and prospective customers, including regarding questions and feedback.
Categories described in Cal. Civ. Code § 1798.80(e) Directly from you. For example, from forms you complete or products and services you purchase, either online or by phone ·       The purposes listed for “Identifiers,” except for: Communications about promotions, for example, by communicating about special events, sweepstakes, promotions and surveys.

·       Facilitating communications, for example, by collecting and organizing contact information, establishing means of communications, and communicating with current and prospective customers, including regarding questions and feedback.
Characteristics of protected classifications under California or federal law Directly from you. For example, from forms you complete or products and services you purchase, either online or by phone ·       The purposes listed for “Identifiers,” except for:· Undertaking internal research for technological development and demonstration.

·       Product and service training, for example, by providing training and information on using, servicing, selling, and displaying Company’s products and services.

·       Communications about promotions, for example, by communicating about special events, sweepstakes, promotions and surveys.

·       Facilitating communications, for example, by collecting and organizing contact information, establishing means of communications, and communicating with current and prospective customers, including regarding questions and feedback.
Commercial information Deidentified or aggregated consumer information The purposes listed for “Identifiers”.
Internet or other electronic network activity information Automated technologies in the website, including cookies or through our Third Party Service Providers. The purposes listed for “Identifiers”.
Geolocation data Deidentified or aggregated consumer information The purposes listed for “Identifiers,” except for: Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing advertising or marketing services, and providing analytic services.

·       Undertaking internal research for technological development and demonstration.

·       Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by Company, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by Company.

·       Product and service training, for example, by providing training and information on using, servicing, selling, and displaying Company’s products and services.

·       Communications about promotions, for example, by communicating about special events, sweepstakes, promotions and surveys.

·       Facilitating communications, for example, by collecting and organizing contact information, establishing means of communications, and communicating with current and prospective customers, including regarding questions and feedback
Professional or employment-related information Directly from you. For example, from forms you complete or products and services you purchase, either online or by phone The purposes listed for “Identifiers,” except for:·   Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting impressions to unique visitors, verifying positioning and quality of impressions, and auditing compliance with the law.

·       Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

·       Debugging to identify and repair errors that impair existing intended functionality.
Profile information Directly from you. For example, from forms you complete or products and services you purchase, either online or by phone The purposes listed for “Identifiers”.

Disclosure of Personal Information To Third Parties

In the last 12 months, Company disclosed the following categories of Personal Information about California Consumers to the following categories of third parties for a business or commercial purpose:

Category of Personal Information Categories of Third Parties
Identifiers  Service Providers, including providers of Data Collection Technologies, providers of data analytics services, website providers, and e-commerce vendors

Government agencies, law enforcement, and other parties as required by law, including in litigation
Categories described in Cal. Civ. Code § 1798.80(e) ·       Service Providers, including providers of Data Collection Technologies, providers of data analytics services, website providers, and e-commerce vendors

·       Government agencies, law enforcement, and other parties as required by law, including in litigation
Characteristics of protected classifications under California or federal law ·       Service Providers, including providers of Data Collection Technologies, providers of data analytics services, website providers, and e-commerce vendors

·       Government agencies, law enforcement, and other parties as required by law, including in litigation
Commercial Information Service Providers, including e-commerce vendors.
Internet or Other Electronic Network Activity Information ·       Service Providers, including providers of Data Collection Technologies, providers of data analytics services, and website providers
Geolocation Information ·       Government agencies, law enforcement, and other parties as required by law, including in litigation
Professional Or Employment-Related Information ·       Service Providers, including providers of Data Collection Technologies, providers of data analytics services, and website provider

·       Government agencies, law enforcement, and other parties as required by law, including in litigation
Profile Information ·       Service Providers, including providers of Data Collection Technologies, providers of data analytics services, and website provider

·       Government agencies, law enforcement, and other parties as required by law, including in litigation

No Sale of Personal Information
The Company does not and will not sell California Consumers’ Personal Information.Your California Privacy Rights

Right to Know

California Consumers have the right to submit a verifiable request to know:

  • The categories and specific pieces of Personal Information that Company has collected about them;
  • The categories of sources from which Company collected the Personal Information;
  • The categories of Personal Information that Company sold or disclosed to a third party (other than a service provider) for a business purpose and the categories of recipients of that information; and
  • The business or commercial purposes for Company’s collection, disclosure, or sale of the Personal Information.

Right To Delete

  • California Consumers have the right to submit a verifiable request for deletion of their Personal Information that Company has collected from the Consumer.

Right to Opt Out of Sale of Personal Information

  • California Consumers have a right to opt-out of the sale of the Personal Information. However, as stated above, Company does not and will not sell Personal Information.

How to Exercise Your Rights

Company will respond to requests in accordance with applicable law if it can verify the identity of the individual submitting the request. California Consumers can exercise their rights in the following ways:

Postal Address:

iVita Financial, LLC
Attn: Compliance Department
101 Marietta St NW
Suite 2310
Atlanta, GA 30303

Response Timing and Format

Company will substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Requests By Authorized Agents

You may designate an authorized agent to exercise your right to know or your right to delete by submitting to us a completed “Authorized Agent Designation” form. You can obtain the designation form by contacting us at information@ivitafinancial.com.

If an authorized agent submits a request to know or a request to delete on your behalf, the authorized agent must submit with the request either (a) a power of attorney that is valid under California law, or (b) a document signed by you that authorizes the authorized agent to submit the request on your behalf.  In addition, we may ask you to follow the applicable process described above for verifying your identity.

How We Will Verify Your Requests

To prevent anyone other than you, or your authorized agent, from exercising the right to know or the right to delete with respect to your personal information, we follow procedures to verify your, or your agent’s, identity.  These procedures seek to confirm that the person making a request is the person about whom we have collected personal information or that person’s authorized agent.  The verification procedures involve matching data points that you provide with your request against information about you we already have in our records and that we have determined to be reliable for purposes of verifying your identity.  We will use information you provide in your completed request form to verify your identity, and we may request additional information if necessary to complete the verification process.

The Company’s Non-Discrimination Policy

California Consumers have the right not to be subject to discriminatory treatment by Company for exercising their privacy rights under the California Consumer Privacy Act, and Company will not discriminate on that basis. However, Company may charge a California Consumer a different price or rate or provide a different level or quality of goods or services if the difference is reasonably related to the value provided to the California Consumer by the Consumer’s Personal Information.  If Company does so, it will provide Consumers with any legally required notice.

Your Right to Information About Disclosures of Personal Information for Direct Marketing Purposes:

Under California law, California Consumers can request information from us whether we have disclosed Personal Information to any third parties for the third parties’ direct marketing purposes. We will not sell your Personal Information to, or share it with, third-party companies for their direct marketing purposes without your consent. California Consumers desiring to request further information about our compliance with these laws or who have questions or concerns about our privacy practices and policies are welcome to contact us using the contact information below.

Your ‘Do Not Track’ Browser Setting

The Site collects personally identifiable information about your online activities over time and across third-party websites or online services. We support the Do Not Track (DNT) browser setting. DNT is a preference you can set in your browser’s settings to let the websites you visit, including the Site, know that you do not want the sites collecting your personally identifiable information.

Third-Party Links And Services

We provide links to third party websites operated by organizations not affiliated with Company. We do not disclose your Personal Information to organizations operating such linked third-party websites. We do not review or endorse, and are not responsible for, the privacy practices of these organizations. We encourage you to read the privacy policy of each and every website that you visit. This Privacy Policy applies solely to information collected by Company through the Services.

For More Information

For questions or concerns about Company’s privacy policies and practices, please contact us at information@ivitafinancial.com.

View the California Consumer Privacy Act