Privacy Policy

ABUNDANT BROKER PRIVACY POLICY

Last Updated: April 26th, 2023

Abundant Broker, LLC (also referred to herein as “Abundant Broker,” “we,” “us”, or “our”) has made this privacy policy (the “Policy”) available to our Customers (also referred to herein as “Customer,” “you,” or “your”) in an effort to provide a candid and concise disclosure about what Customer data is collected when Customers use our website, social media pages, and other online services, tools or programs (collectively the “Online Services”), and how that data (referred to herein as “Customer Data”) may subsequently be used by us and by other third parties who are involved in providing the Online Services.  

Gathering and analyzing customer data gives us the feedback we need to improve our Customer service. Our ability to serve you and other Customers is enhanced by our understanding of how you use our Online Services; however, we also believe that each Customer should enjoy a reasonable expectation of privacy when using our Online Services. We hope that your review of this policy will help you better understand the data related risks of using the Online Services so that you can make informed decisions about how to enjoy the convenience and benefits of our Online Services in light of those risks.  If you determine that the data related risks outweigh the benefits of the Online Services, then please do not use the Online Services.

What information do we collect through our Online Services, and how is it collected?

Generally speaking, two types of customer information will be collected when you use our Online Services: (1) personal information, which is Customer Data that may be linked directly to your identity (commonly referred to in the industry as “Personally Identifiable Information”); and (2) “Anonymized Data” which is Customer Data that does not directly identify you and which is collected by automated means.  

Personally Identifiable Information is collected when you voluntarily provide such information in order to use the Online Services.  For example, to sign up for our Online Services, you will provide Personally Identifiable Information such as your name, billing address, and payment card information.  Please note that our Online Services requiring or requesting Personally Identifiable Information may be administered by third-party Service Providers (as identified below) and therefore are also subject to separate policies, terms and conditions of the applicable Service Provider. 

Anonymized Data is generally collected by automated means without reference to your personal identity as you use the Online Services. For example, as you use the Online Services those programs will collect anonymous information about how you accessed and used the Online Services, what kind of device or browser you are using to access the Online Services, the location of device so used, and the domain names and internet protocol addresses associated with your access of the Online Services. This data is useful to us (and to our Service Providers) in order to ensure that the Online Services operate effectively, to identify and prevent any fraudulent activity, and to analyze and respond to general customer behaviors and demands.  We also collect Anonymized Data through the use of “cookies,” as most online services do.  “Cookies” are small pieces of information that a website sends to your electronic device’s hard drive as you are using the website in order to remember how you have used the website, so that we can deliver a more interactive and personal experience as you use the Online Services. While Anonymized Data is not collected, used or shared with any intent to identify Customers, you should be aware that persons may be able to combine such data with other data reference points to “re-personalize” the data.  While we have no intention of re-personalizing data or authorizing third parties to do so, you should appreciate the risk that unauthorized persons or third parties may in fact do so.  

What is your information used for?

The short answer is that we use Personally Identifiable Information to provide and improve our services to you on an individual basis, and we use Anonymized Data to provide and improve our services at a more general Customer level.  Specifically, in order to provide and improve our services to you and other Customers, we anticipate using Customer Data in any of the following manners:

• To register an account for you to use the Online Services;
• To promote our Online Services programs (such as through social media outreach), as well as other activities;
• To communicate with Customers regarding Abundant Broker products and services;
• To help us better understand Customer preferences and concerns, to improve our Customer service and support, and to customize your Online Services;
• To improve the functionality and use of our Online Services;
• To comply with applicable legal requirements and industry standards;
• In other ways which are disclosed at the time you voluntarily provide such information (such as for contests, promotions, job applications, etc.). 

Who is your information shared with?

The practicalities of operating the Online Services necessitate that we reserve our right to share Customer Data with: (1) third parties with whom we contract to administer the Online Services, or otherwise support our business; (2) affiliated and/or successor business entities; and (3) as required by law or government action. Each of these situations is described below in more detail.

• Third Party Service Providers (“Service Providers”).  We frequently rely on third party Service Providers to help us provide the Online Services. For example, a Service Provider may develop and operate our mobile application if we choose to create one. In many cases, this means that the Customer will be providing Customer Data directly to the Service Provider in order to facilitate business with Abundant Broker, in which case the Service Provider will have its own separate policies, terms or conditions with respect to Customer Data.  This policy does not apply to such Service Providers, and Abundant Broker is not responsible for the actions or inactions of such Service Providers. Service Providers are likely to change from time to time, and if you are directed to any third party platform while using the Online Services, please be aware that this Policy will not apply to such platform, and that the third-party operating the platform is likely to have a separate privacy policy. In addition, we reserve the right to share aggregated, Anonymized Data with other parties at our discretion.  We are not responsible for the use or misuse of such information by the third-party, or their agents and contractors.  
• Affiliated Business & Company Reorganizations.  Abundant Broker reserves the right to share Customer Data with other businesses that are either owned by, or under common control or ownership with, Abundant Broker. In the event of a sale, merger, reorganization, or bankruptcy of Abundant Broker, the Customer Data will be considered to be an asset of the Company that is expected to be transferred to the successor entity which results from such a transaction, and under such circumstances Abundant Broker is likely to so transfer the Customer Data.
• Compliance with Law.  We also reserve the right to use or disclose any Customer Data as needed to satisfy any law, regulation or legal request, to cooperate in any law enforcement or similar investigation, or to protect the rights, property or safety of Abundant Broker, Customers or others.

How do we protect your information?

Unauthorized use of Customer Data is a serious risk to both our Customers and to our business. In appreciation of that risk, we use reasonable technical and administrative security measures designed to reduce the risk of any unauthorized use or disclosure of Customer Data. Those measures include physical security, data encryption, advanced endpoint security and device segmentation.

You must be aware that while the security measures we implement are intended to minimize the risk of unauthorized use or disclosure of Customer Data, we cannot warrant nor guaranty that such measures will prevent a security breach from occurring; indeed, many reputable companies have suffered such breaches despite their use of industry standard security measures.  Our Service Providers are also likely to be targets of such breaches, and we have no ability to monitor or protect their systems. Therefore, when you use the Online Services, you must understand that you are assuming the risk that your Customer Data is vulnerable to unauthorized use or disclosure arising from security breaches. You are also responsible for safeguarding any passwords or payment information which you use in connection with the Online Services; if you believe that such information is being used in an unauthorized fashion, you must notify us immediately. 

How Can I Limit the Amount of Customer Data that I Share?

There are several ways in which you may limit the amount of Customer Data that is transmitted when you use the Online Services; however, you must understand that limiting the amount of Customer Data shared will also limit the amount of Online Services which can be provided to you. For example, most internet browsers will allow you to limit or remove cookies which are sent to your device when you visit our website; however, without accepting cookies, you may not be able to use all of the website’s features.  Please note that while several web browsers purport to enable you to browse the web without tracking or collection of Customer Data, many websites (including our own) do not respond to such preferences and will continue collecting data, in part because no common industry standards for handling such preferences have been adopted.  

Once you have shared Customer Data with us or our Service Providers, you may request that such information be provided, modified, or deleted by contacting us as provided below. Please note that while Abundant Broker will consider such requests, we may not be able to grant all of them depending on applicable law and our legal rights. We cannot provide, modify or delete any Customer Data possessed by Service Providers, and you will have to contact them directly in the event that your request any such actions.  

Children Under 13. 

Our website, products and services are all directed to people who are at least 13 years old or older, and we do not knowingly collect information from persons younger than 13 in violation of any laws. The website is not intended or designed to collect personal information from children. If you believe that we might have any information from or about a child under the age of 13, please contact us at [email protected].

Your California Privacy Rights

California Civil Code Sections 1798.83-1798.84 (as may be amended or renumbered from time to time) permits users of the Online Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected].

Online Privacy Policy Only

This Policy applies only to information collected through our Online Services.

Customer Feedback

By submitting your information to Abundant Broker, you are giving us permission to contact you directly using the information provided.

Changes to our Privacy Policy

We reserve the right to update or change this Policy at any time. If we make a material change to our Policy, we will indicate on the Online Services that our privacy practices have changed and will provide a link to the new Policy. The date this Policy was last revised is at the top of this page. You are responsible for periodically reviewing the Online Services and this Policy to check for any updates or changes.

Contact Us

If there are any questions regarding this Policy, please contact us at abundantbroker.com.