Privacy Policy

Red Ventures Puerto Rico and plateapr.com (including "RVPR," "us," "we," or "our") is part of a portfolio of brands and digital platforms (such as mobile and/or TV apps) that connect people with information to help them make some of life's most important decisions. Examples of Red Ventures brands include Allconnect, Bankrate, CNET, MyMove, Online MBA, and The Points Guy. For the purposes of this Privacy Policy, the websites, apps, and products provided by RVPR are referred to as the "Services." Certain Red Ventures Services have different privacy policies, and you should review each Service's policy before using it.

This Privacy Policy describes the type of personal information we may collect for our own purposes; how we use, protect, and share that information; and the choices you have. By using our Services, you acknowledge the information collection practices and purposes described in this Privacy Policy. Capitalized terms used, but not defined, in this Privacy Policy have the meanings provided in the applicable Services Terms of Use.

In some circumstances, RVPR may receive or process personal information on behalf of a client. In those situations, the client's privacy policy will apply.

Types of information we collect

The following are examples of the types of information we may collect directly from you, about you, and/or from other sources, including third parties, business partners, our affiliates, or publicly available sources.

Information collected directly from you:

• Account registration. Your name, email address, phone number, and other relevant information are collected when you create an account. We may also collect information related to your actions while logged into your account. The purpose of collecting and using this data is to fulfill our business need to provide account-related functionalities to our users. Accounts can be used for easy payments, saving your preferences, selecting areas of interest, and viewing your transaction history.
• Lead and order forms. We collect information when you use our lead and order forms on our Services. This may include your name, email address, phone number, billing address, shipping address, and payment information (e.g., credit card number). The purpose of collecting and using this data is to perform activities related to a contract to provide you with products or services.
• Financial information. In certain Red Ventures Services, you may provide us with information such as a national identifier, credit history, income, loan amounts, and account balances related to your application for financial products and services.
• Information you post on the Services. When available on the Services, we may collect your Personal Information when you provide or post information on our Services, including your username, comments, likes, interests, status, images, and references to your online presence. We may use this information for our purposes and/or make this information available to others when you request it.
• Information you provide about other people. Sometimes, you may provide information about others, for example, to recommend a friend for a newsletter. We may use this information to make our Services available to the people you refer.
• Surveys. When you participate in a survey, we collect the information you provide through the survey. If the survey is provided by a third-party service provider, the third party's privacy policy also applies to the collection, use, and disclosure of your information. The purposes of collecting and using this data are to fulfill our business need to understand your opinions and gather information relevant to our organization.
• Sweepstakes or contests. When you choose to enter a sweepstakes or contest, we collect information about you, including contact information, to notify you if you are selected. The purpose of collecting and using this data is that we have a business need to operate the sweepstakes or contest. In some contexts, we are also legally required to collect information about those who enter our sweepstakes, and we have a business interest in complying with those laws.
• Mailing list. If you sign up to one of our mailing lists, we collect your email address and/or postal address. The purpose of collecting and using this data is to fulfill our business need to share information about our products or services.
• Partner promotion. We collect information that you may choose to provide as part of a promotion with another company. The purpose of collecting and using this data is to fulfill our business needs and promotions.
• Feedback/Support. If you provide us with feedback or contact us for support, we may collect your name and email address, as well as any other content you submit, in order to respond. The purpose of collecting and using this data is to fulfill our business need to receive and act on your feedback or concerns.
• Employment-related data (directly from you). When you choose to apply for employment with a Red Ventures company, we collect the information necessary to process your application or to retain you as an employee. This may include, but is not limited to, your resume or CV, social security number, and other information you provide during the application and hiring process. The purpose of collecting this information is to help us match you with open positions, facilitate the recruitment process, and fulfill our employment contract or expectation of employment with you.

Information collected automatically:

• Email Interconnectivity. If you receive an email from us, we may use tools to capture data related to when you open our message, click on links or banners it contains, and make purchases. The purpose of collecting and using this data is to fulfill our business need to understand how you interact with our communications with you.
• Mobile devices (such as phones, tablets, connected TVs, game consoles, and other digital media streaming devices). We may collect information from your mobile device, such as unique identifiers transmitted from your device when you visit one of our Services. The purposes of collecting and using this data are to fulfill our business need to identify unique visitors and understand how users interact with us on their devices.
• Website Interactions. We use technology to understand how you interact with our website (for example, session replay). This may include the links you click or the information you enter into our online forms. This may also include information about your device or browser. The purpose of collecting and using this data is to fulfill our business need to understand how you interact with our website so we can improve it, and to understand your preferences and interests so we can select offers that might be most useful to you. We also have a business need to secure our Services and to detect and prevent fraud.
• Location Data. When you use some of our Services, we may ask for your permission to collect your location data. Some features within our Services (such as location-based offers) can only function after your location is confirmed, and therefore, such features will not be available if you choose not to provide your location data. The specificity of location data can depend on several factors, including the device you are using and how it is connected to the internet. If you enable location services for our Services, we may collect location data periodically while you use or leave our Services open. Depending on the platform you use to access our Apps (for example, Apple iOS, Google Android), you may be able to control whether location data is collected using your device's settings.
• Cookies, in general. We, our service providers operating on our behalf, and other companies that collect information on our pages, may automatically collect or receive certain information associated with you and/or your device(s) as part of your use of the Services through device-based tracking technologies such as cookies, pixels, tags, beacons, scripts, or other technologies. The purpose of collecting and using this data is to fulfill our business need to make our website function efficiently, provide you with different website experiences, and give you the ability to save your preferences, such as login and preferred language. Please see our Cookie Policy for more information.
• Cookies for advertising. Some of our Services participate in behavioral advertising, which means that technology (for example, a cookie) is used to collect information about your use of our Services to provide advertising about products and services tailored to your interests on our Services or on other websites. The purposes of collecting and using this data are that we have a business need to participate in behavioral advertising and to capture analytics on our Services. The information we collect may include geolocation data, such as (a) information that identifies the precise location of your mobile device (when you agree to allow an application or Service to collect it) and (b) your IP address, which can be used to estimate your approximate location. We use this information to ensure that the Services function properly and to provide you with personalized content and advertising, including personalized ads. See our Cookie Policy for more information.
• Multi-device tracking. We and our service providers may collect and store information about users' interactions with non-affiliated websites and applications that use our technologies, including cookies and similar tracking technologies. This allows us to infer the presence of a common user or household behind multiple devices or browsers, for example, and then link those browsers and devices in a device graph. The purpose of collecting and using this data is that we have a business need to understand how our users use our sites across all devices to enable users to use our services on one device and seamlessly continue where they left off on another. We also have a business need to provide personalized advertising on each device that is inferred from browsing patterns across all devices.
• Data Analysis. We use certain web analytics services, including third-party services such as Google Analytics, to help us understand and analyze how visitors use our Services. We may collect information, including your browser type, operating system, Internet Protocol (IP) address, domain name, click activity, referring website, and/or a date/time stamp for visitors. The purpose of collecting and using this data is to fulfill our business need to monitor our networks and website visitors. We may receive reports based on the use of these technologies both individually and in aggregate. These analytics services, including third-party services such as Google Analytics, also use this information to place advertisements for our products on other websites you visit after using the Site. These advertisements may be based on actions such as the pages you visited and actions you take while using the Site. For more information about how Google may use the data it collects through the Site, you can click here. You can also choose to install the Google Analytics Opt-Out Browser Add-on to opt out of Google Analytics data collection.

Information we can gather from other sources:

• Customer information. We may collect contact information such as name, email address, physical address, and/or phone number from our business customers and their employees with whom we may interact. The purpose of collecting and using this data is to fulfill our business need to ensure our website functions efficiently and to provide our business customers with the ability to save preferences such as login and preferred language.
• Financial Information. We may collect information from credit reporting services and, with your permission, from financial data aggregator(s) and your financial service provider(s) when you use some of our Services. We use this information as necessary in the course of providing the services you request, maintaining ongoing customer relationships, servicing an account, and as permitted by state and federal law.
• Demographic information. Personal information such as your age, gender, family size, and/or education level. The purpose of collecting and using this data is to fulfill our business need to personalize content and advertising and to understand our audiences.
• Activity and usage information, including information about your interests, purchasing behavior, and other browsing data, such as websites visited and ads viewed or clicked, used to personalize content and advertising.
• Public observation data. Such as activities on blogs, videos, and other online publications used to personalize content and advertising.
• Social Media Platforms and Other Third-Party Services. Some of our Services may include features designed to interact with social media platforms and other third-party services (for example, Facebook, Twitter, Instagram, and loyalty programs). If you access the Services using one of these social media platforms or provide us with access to third-party services, we may receive information about you from those third parties, such as account and profile data, and we may combine this data with information we already have about you. For more information about the use of social platforms, please see the Social Features section below.

We may also collect information about you through interactive applications (for example, mobile devices, third-party social media services, and embedded audio and video players), co-branded partners and websites (for example, on our Facebook Pages), our advertisers, and commercially available sources (for example, data aggregators and public databases). This Privacy Policy does not cover the practices of third parties, including those who may disclose information to us.

• Employment-related information. When you choose to apply for a job at a Red Ventures company, this includes information from a recruitment agency. The purpose of this collection is to help us match you with open positions and facilitate the hiring process.

Use and processing of information

In addition to the purposes and uses described elsewhere in this policy, we may use the information in the following ways:

• To identify you when you interact with us and our Services.
• To provide content recommendations based on your interactions and interests.
• To make our Services available to you and to complete orders placed on our Services and with our Customers.
• To process transactions associated with your use of the Services for which there is a charge, including to process payments and verify your identity or payment information for your security and protection.
• To communicate with you (for example, about your account or updates to our terms) and to respond to inquiries related to support, employment opportunities, or other requests.
• To deliver marketing and promotional materials related to our Services in accordance with applicable laws, including information related to our products, services, sales, marketing research or promotions.
• To provide you with personalized advertising about our Services based on your online activity. We use the information we have to improve our advertising systems so we can show you relevant, interest-based advertising, measure the effectiveness and reach of ads and services, verify delivery and track the performance of advertising campaigns, and ensure that an ad is only delivered when a real person is visiting the site and that the same users don't see the same ads too frequently. You can update your preferences regarding personalized advertising by visiting the Cookie Settings link in the footer of each site to manage your settings.
• To build audience segments from the information we collect about you — such as your account activity, content interests, purchase or inquiry history, and demographic information — so that we can send you more relevant email communications and show you more relevant advertising on social media and other platforms, including through matched-audience or lookalike-audience features offered by our advertising partners.
• To verify your entry and eligibility to participate in contests, sweepstakes, or giveaways and to notify you if you have won. If your entry information will be used for other purposes, we will disclose this in the applicable rules governing that contest, sweepstakes, or giveaway.
• To monitor, improve, and analyze our Services and product offerings for advertisers.
• For internal administrative purposes, such as the security and protection of our Services, and to manage our relationships.
• To allow you to participate in social sharing, including social media live streams, and to implement the social features you choose to use.
• The Apps on our Services may request to send you push notifications from time to time to inform you about any events or promotions we may be running. Apps may also request permission to access your camera and photos. If you no longer wish to receive these types of communications, or if you initially agreed to allow the app to access your camera and photos and wish to prevent further access, you can disable this permission at the device level. To ensure you receive the appropriate notifications, we will need to collect certain information about your device, such as the operating system and user identification information.
• To detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activities, including attempts to manipulate or violate our policies, procedures, and terms and conditions.
• To comply with legal obligations, establish or exercise our rights, defend ourselves against a legal claim, and investigate, prevent, or take action regarding possible misconduct.
• For other purposes not described in this Privacy Policy as permitted by law.

Although the previous sections describe our primary purpose(s) in collecting your information, in many situations we have more than one purpose.

Information exchange

In addition to the specific situations discussed elsewhere in this policy, we may disclose your personal information in the following situations:

• Affiliates and Acquisitions. We may share your personal information with our corporate affiliates (e.g., parent company, sister companies, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or assets, we will also share your personal information with that company using appropriate safeguards, including during the negotiation stage.
• Our Business Customers. When we collect information on behalf of our business customers, we share that information with those customers.
• Service providers. We share your information with service providers. Among other things, service providers may help us administer our website, conduct surveys, provide technical support, assist or support our business operations and other administrative functions, process payments, and assist in order fulfillment.
• Partner Promotions. We may offer contests, sweepstakes, or other promotions with third-party partners. If you choose to participate in a contest, sweepstakes, or promotion sponsored by and/or associated with a third-party partner, the information you provide will be shared with us and with them. Their use of your information is not governed by this privacy policy.
• Audience measurement services. We may share your personal information with audience measurement companies such as Comscore and Nielsen, which help us and other websites measure and understand the audiences that view our content.
• Video viewing behavior. In accordance with applicable law, we may share your video viewing behavior with third parties, including advertising companies, analytics partners, and social media sites.
• Aggregated and anonymous information. We may share aggregated and anonymous information with any third party. This information is not linked to personal information that could identify you or another individual.
• Advertising. We may share certain data with advertising platforms, including Google and social media networks such as Twitter, Facebook, LinkedIn, and Snapchat, to enable us to target existing users and customers with highly relevant advertising campaigns. For the purposes of such campaigns, we may share a unique code (such as a hashed email address) with the relevant advertising platform so that this identifier can be compared against existing users of that advertising platform and to identify potentially relevant audiences for targeted advertising. We use services such as Google Ads Customer Match, LiveRamp, LinkedIn Matched Audiences, and Facebook Custom Audiences for these purposes. In addition to advertising our own goods and services, we may also facilitate third parties advertising their own goods and services, including by targeting those ads to those who might be most interested in them. These ads may be displayed within our Services. In order to provide you with relevant advertising, your IP address, as well as your operating system and device type, may be used. To opt out of personal-level advertising from LiveRamp, click here.
• Public. Some of our Services may provide the opportunity to post comments or reviews in a public forum. If you choose to submit information about our Services, that information may be publicly available.
• Lead-Generation and Advertising Partners. Where you submit information through a lead form, inquiry form, consent button or similar feature on our Services we may share that information — such as your name, contact information, and the details of your inquiry — with select third-party business partners so that they can respond to your inquiry, contact you about their products or services, and otherwise market to you directly. Before we share your information with a specific partner or partners for this purpose, we will identify the partner(s) who will receive your information and obtain your consent to that specific sharing at the point of collection. Once shared, your information will be handled under that partner's own privacy policy, and any further communications you receive from that partner (including calls, texts, or emails) will be governed by the consent you gave for that specific partner and by applicable law.
• Other disclosures without your consent. We may disclose information in response to subpoenas, warrants, or court orders, or in connection with any legal process, or to comply with applicable laws. We may also share your information to establish or exercise our rights, to defend ourselves against a legal claim, to investigate, prevent, or take action regarding potential illegal activity, suspected fraud, the safety of persons or property, or a violation of our policies.

Social functions

Some of our Services may include features designed to enable interactions you initiate between our site and third-party websites or services, including third-party social media (collectively, "Social Features"). For example, you can "like" or "share" content from our Services on other websites or services, such as Facebook/Instagram, Twitter, YouTube/Google, and LinkedIn. When choosing to like or share information from our Services through these services, you should review that service's privacy policy.

Manage your information

You can make the following choices using our online form regarding your personal information:

• Access to your personal information. You may request access to the personal information we collect on our behalf. If required by law, or upon your request, we will grant you reasonable access to the personal information we hold about you.
• Changes to your personal information. We rely on you to update and correct your personal information. Please note that we may retain historical information in our backup files as permitted by law. If our Services do not allow you to update or correct certain information, please contact us at the address below. If we are processing your personal information on behalf of one of our clients, we will respond that we are operating as a service provider and cannot act on your request.
• Deletion of your personal information. When we collect information on our own behalf, we normally retain your personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required or permitted by law. However, you can request information about how long we retain a specific type of information or request that we delete your personal information by contacting us at the address below. If required by law, we will grant a request to delete information, but please note that in some situations we are required to retain your personal information to comply with our legal obligations, resolve disputes, enforce our agreements, or for other business purposes. If we are processing your personal information on behalf of one of our clients, we will respond that we are operating as a service provider and cannot act on your request.

We may need additional information to verify your identity depending on the sensitivity of the personal information related to your request.

To contact us regarding any other privacy requests, you can reach us at privacy@redventures.com or in writing at:

An authorized agent can make any of the above requests using our online form or by contacting us as indicated above.

You can also make the following choices regarding communication preferences:

• Promotional emails. You may choose to provide us with your email address to allow us to send you newsletters, surveys, offers, and other promotional materials, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in the emails you receive. If you choose not to receive promotional emails, we may still send you service-related communications.
• Postal mail. If at any time you no longer wish to receive offers and/or circulars from us, you can unsubscribe from our mailing lists by sending us an email (our contact information is below) with "NO SNAIL MAIL" in the subject line, along with your name, address, and postal code. Please note that our emails are prepared before sending. Although we will remove your name from our mailing list after receiving your request, you may still receive emails from us that were initiated before your name was removed.
• Text messages and push notifications. If you receive a text message from us containing promotional information, you can opt out of receiving future text messages by replying "STOP" or "UNSUBSCRIBE". You control whether you receive push notifications on your device.
• Online tracking. We currently do not recognize automatic browser signals regarding tracking mechanisms, which may include "Do Not Track" instructions.
• Cookies. You can review your settings by clicking the "cookie settings" link in the footer of most sites. Our Cookie Policy also provides more information on how to configure your controls.

How we protect personal information

No method of transmission over the Internet or method of electronic storage is completely secure. While we make every reasonable effort to protect your personal information from unauthorized access, use, or disclosure, we cannot guarantee the security of your personal information. If we are required by law to notify you of a breach of your personal information, we may notify you electronically, in writing, or by telephone, as permitted by law.

Some of our websites allow you to create an account. When you do so, you will be asked to create a password. You are responsible for keeping your password confidential, and you are responsible for any access to or use of your account by someone else who has obtained your password or device, whether or not you authorized such access or use. You must notify us of any unauthorized use of your password or account.

Miscellaneous

The following additional information relates to our privacy practices:

• Third-party applications/websites. We do not control the privacy practices of websites or applications that are not owned by us. Users are encouraged to read the privacy policies of those properties to make an informed decision about their use.
• Changes to this Privacy Policy. We may change our privacy policy and practices from time to time. We will post a notice on our website to inform you of any material changes to our privacy policy and indicate when it was last updated. Generally, material policy changes will apply only to information collected after the date of the change. Our privacy policy includes an "effective date" and a "last updated" date. The effective date refers to the date the current version became effective. The last updated date refers to the date the current version was last substantially modified.
• Collection of information from children. We recognize the importance of protecting children's privacy and safety, and our website and services are directed to a general audience, not children. We do not knowingly collect information from children under the age of 13, or younger as otherwise defined by local laws or regulations, without verifiable parental consent. If we become aware that someone under the age of 13 has provided personal information through one of our websites, we will make all reasonable efforts to remove that information from our databases.