Factor Financial Privacy Policy
This Privacy Policy describes how your personal information is collected, used, and shared when you visit or interact with https://factorfinancial.com/ (the “Site”).
PERSONAL INFORMATION WE COLLECT
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we may collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
- “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
- “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
Additionally, if you fill out and submit any contact form through the Site or provide information via telephone to a Factor Financial representative, we may collect certain information from you, including your name, age, address, email address, employment status, gender, marital status, prior annuity transfer transaction history, social media account information, and telephone number. We refer to this information as “General Information.”
When we refer to “Personal Information” in this Privacy Policy, we are referring to Device Information and General Information.
HOW DO WE USE YOUR PERSONAL INFORMATION?
We use the General Information that we collect to be able to provide an offer to purchase rights to receive future annuity payments from you and for no other purpose. We don’t sell your information to any third party; however we may share information we collect to a third party to assist with a transaction such as but not limited to court clerks, child support offices, credit reporting agencies, life insurance agents (for life contingent annuity transfers), original settlement attorney, outside counsel for Factor Financial, and staff working for the insurance companies that issue or own your annuity.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
Finally, we may also share your Personal Information to comply with applicable laws and regulations, to respond to a subpoena, search warrant or other lawful request for information we receive, or to otherwise protect our rights.
As described above, we may use your Personal Information to provide you with targeted advertisements or marketing communications we believe may be of interest to you. For more information about how targeted advertising works, you can visit the Network Advertising Initiative’s (“NAI”) educational page at http://www.networkadvertising.org/understanding-online-advertising/how-does-it-work.
You can opt out of targeted advertising by:
- BING: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads
- FACEBOOK: https://www.facebook.com/settings/?tab=ads
- GOOGLE: https://www.google.com/settings/ads/anonymous
- INSTAGRAM: https://www.facebook.com/help/instagram/615366948510230
Additionally, you can opt out of some of these services by visiting the Digital Advertising Alliance’s opt-out portal at: http://optout.aboutads.info/.
DO NOT TRACK
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
YOUR RIGHTS
If you are a European resident, you have the right to access personal information we hold about you and to ask that your personal information be corrected, updated, or deleted. If you would like to exercise this right, please contact us through any of our contact forms. Additionally, if you are a European resident we note that we are processing your information in order to fulfill contracts we might have with you or otherwise to pursue our legitimate business interests. Additionally, please note that your information will be transferred outside of Europe, including the United States.
DATA RETENTION
When you provide us with General Information through the Site, we may maintain this General Information for our records unless and until you ask us to delete this information.
SITE NOT INTENDED FOR USE BY MINORS
The Site is not intended for individuals under the age of 18.
CHANGES
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.
CONTACT US
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at policy@factorfinancial.com or by via courier mail to the following address: provided below:
Factor Financial
415 Boston Tpke Ste 314
Shrewsbury MA 01545-3476
United States