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Privacy

Scope and Consent

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “FirefighterNOW Services”). This Privacy Policy is intended to govern the use of FirefighterNOW Services by our users (including, without limitation those who use the FirefighterNOW Services in the course of their trade or business) unless otherwise agreed through contract.  We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date. In addition, if the revised version includes a substantial change, we will provide you with 30 days’ prior notice by posting notice of the change on the “Policy Updates” page of our website. After this 30-day notice period, you will be considered as having expressly consented to all amendments to this Privacy Policy.

Collection of Personal Information

We collect the following types of personal information in order to provide you with the use of FirefighterNOW Services, and to help us personalize and improve your experience.

Information we collect automatically: 

When you use FirefighterNOW Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes, but is not limited to, the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons (see How we use Cookies and Similar Technologies for more information).

Information you provide to us: 

We may collect and store any information you provide us when you use FirefighterNOW Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding FirefighterNOW Services.

When you use FirefighterNOW Services, we also collect information about your transactions and your activities. In addition, if you open a FirefighterNOW account or use FirefighterNOW Services, we may collect the following types of information:

Contact information, such as your name, address, phone, email and other similar information.

Financial information, such as the full bank account numbers and/or credit card numbers that you link to your FirefighterNOW account or give us when you use FirefighterNOW Services.

Detailed personal information such as your date of birth or national ID number.

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the FirefighterNOW corporate family or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, FirefighterNOW may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with FirefighterNOW, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

Information from other sources: We may also obtain information about you from third parties such as credit bureaus and identity verification services. 

Authentication and Fraud Detection: 

In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with FirefighterNOW Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

Using Your Mobile Device:

We may offer you the ability to connect with FirefighterNOW Services using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices.

How We Use the Personal Information We Collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

provide FirefighterNOW Services and customer support;
process transactions and send notices about your transactions;
verify your identity, including during account creation and password reset processes;
resolve disputes, collect fees, and troubleshoot problems;
manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
detect, prevent or remediate violations of policies or applicable user agreements;
improve the FirefighterNOW Services by customizing your user experience;
measure the performance of the FirefighterNOW Services and improve their content and layout;
manage and protect our information technology infrastructure;
provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences;
contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement;
perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties.

We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about FirefighterNOW Services and the services of our corporate family. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialed or prerecorded calls and text messages as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications.

Marketing

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalize FirefighterNOW services, content, and advertising.

How We Use Cookies and Similar Technologies

When you access our website or use FirefighterNOW Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, e-tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively “Cookies”). We use these technologies to recognize you as a customer; customize FirefighterNOW Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and FirefighterNOW Services.
You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our website and FirefighterNOW Services.

How We Protect and Store Personal Information

Throughout this Privacy Policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

We store and process your personal information on our computers in North America, and elsewhere in the world where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

How We Share Personal Information with Other Third Parties
We may share your personal information we collect from you, including your name, contact details, and transactions and activities, with:
Members of the FirefighterNOW corporate family (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications.
Credit bureaus and collection agencies to report account information, as permitted by law.
Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to FirefighterNOW or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
Other unaffiliated third parties, for the following purposes:
Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk. 
Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional). 
Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
Other third parties with your consent or direction to do so.

How You Can Contact Us about Privacy Questions
If you have questions or concerns regarding this Privacy Policy, you should contact us directly at mike@firefighternow.com