PRIVACY POLICY

PRIVACY / SECURITY

Abundance Capital Corporation (the “Company,” “we,” or “us“) created this Privacy Policy for the website www.abundancecapital.com (the “Site“) to demonstrate our commitment to respecting the privacy of visitors to our Site and to providing an appropriate level of protection and management of their personally identifiable information in our possession. We collect and maintain your information to enable us to conduct our business in a manner consistent with federal and state laws and regulations, provide you with information and offers on products to meet your future needs, and satisfy legal requirements.

This Privacy Policy will inform you of the categories of personally identifiable information we collect, categories of third parties with whom the information may be shared, the choices you have to review and request changes to your personally identifiable information. The phrases “personally identifiable information” and “personal information” mean any information that permits you to be contacted physically or online, such as your first and last name, physical address, email address, telephone number, or other identifying information maintained in combination with any of the foregoing.

Collecting Information about You and Use of Cookies

You may visit our Site without revealing any of your personal information. If you enter into a transaction or request information, then you will be requested to provide personal information. In conducting our business, we collect and maintain various types of information about our customers. If we are unable to obtain such information from you, we may be prevented from providing you with a service and/or may be compelled to terminate a service that we are currently providing you. The types of information we collect and maintain may include the following:

We may collect personal information from you when you voluntarily provide it to us when you fill out an online form (such as when you request information on the Site). At such times, you may provide us with information about you such as your name, physical address, telephone number, fax number, email address, age, income, birth date, gender, occupation, etc. It is completely your choice whether to provide this information. But, if you choose not to provide some or all of the information, you may be unable to receive newsletters, catalogs or other information or access other services, features or content on the Site.

We may also collect information that we receive directly from you in applications and other forms that you deliver to us, and from our communications with you. This may include information such as your address, telephone number, account numbers, Social Security numbers, assets, income, debt, etc.

We may maintain information we compile from your transactions or experiences with us. This may include information such as your account balances, payment history, etc.

We may also maintain information we receive from other sources regarding your employment, credit or other relationship with them or verifying information you have given us. This may include information such as your employment history, loan and/or credit card payment history, loan or credit card balances, your property insurance coverage, appraisals of your residence, etc., and information we receive from credit bureaus regarding your credit history and creditworthiness (such as the amount of your total debt, your payment history, etc.).

We may also maintain information we obtain from public sources. This may include information contained in federal, state and local records such as recorded liens on your property, real estate taxes and assessments, tax liens, etc.

Like many websites, we use computer “cookies,” which are small amounts of data that we transfer to your computer’s hard drive through your web browser. We collect the information in the cookie when you visit the Site. The cookies enable our systems to recognize you, provide features to you, track your visits and sales, process your orders and/or analyze your use of the Site. You may be able to set your browser to reject cookies or to ask you whether to accept a particular cookie. There are also third party utilities designed to help you visit websites anonymously. If, as a result of your settings, we cannot recognize you, we will not be able to provide you with a personalized experience at our Site; for example, you will be required to re‑enter personal information each time you place a request through the site.

We may automatically track and collect the internet domain address, domain server, type of computer and type of web browser used to visit our Site. That type of information (often referred to as traffic data) will remain anonymous and is not considered personal information unless you voluntarily tell us personally identifiable information and it is combined with the traffic data. Traffic data helps us analyze how the Site is used and is helpful for analyzing usage of the Site and improving your experience on the Site.

Using Information About You

We use your personal information only for legitimate business purposes in a manner consistent with and in compliance with applicable laws and regulations. We do not sell any of the personal information we collect about our potential, current, or former clients. We also do not provide this information to unaffiliated third parties for use in the direct marketing of their own products or services. We will only disclose the information we collect as permitted by law or as requested by you. We also may provide the above information to unaffiliated third parties when necessary to facilitate our business relationship with you or as requested or required by regulatory agencies or federal, state, or local authorities. Unaffiliated third parties may include:

Third Party Services. On a confidential basis, we may disclose your personal information to third parties that provide services to the Company.
Lenders, Title Companies, Escrow Companies, etc. On a confidential basis, we may disclose your personal information to lenders, title companies, escrow companies, etc. This information may be necessary to facilitate your loan transaction.
Information Providers. On a confidential basis, we may disclose your personal information to information providers, such as consumer credit reporting or securities industry background-checking agencies.
Professional Services. On a confidential basis, we may disclose your personal information to professionals such as accountants, tax consultants, and lawyers who may be involved in providing trust, estate, or other financial planning services for you.
Regulatory agencies and legal authorities, such as the Securities and Exchange Commission or other financial industry regulators. These agencies will make official requests from time to time regarding customer accounts and trading activity. When these requests are made, we are obligated to provide them with all requested information. This category may also include the disclosure of information to federal, state or local authorities, courts or arbitrators, third parties in response to a summons or subpoena, and third parties in compliance with money-laundering or other laws.
Legal Requirements. We are sometimes required to disclose your personal information in order to comply with subpoenas, court orders, and legal reporting requirements.
1. Credit Reporting Agencies. We may disclose information relating to our experience with you to credit reporting agencies and similar organizations.
2. Written Consent. We may disclose your personal information with your written consent, including when you give someone power of attorney or other authorization to act on your behalf.
3. Business Transfers. We may disclose your personal information in connection with a proposed or actual sale or transfer of your loan to another company.
4. Fraud Prevention. We may disclose your personal information to prevent fraud and unauthorized transactions, to resolve customer disputes, and, as necessary, to the Company’s regulators, attorneys, accountants, and auditors.

Security

Safeguarding your personal information is important to us. We maintain systems, policies and procedures to protect your personal information from being accessed by unauthorized persons. We limit employee access to personal customer information to those with a legitimate business reason for such access. We will retain your personal information only as long as necessary to handle your loan transactions, conform to safe and sound banking practices, or satisfy legal requirements. We train our employees in our privacy policy and procedures, and they are held accountable for adhering to them.

E-Mail Security

We strongly urge you not to e-mail confidential information (such as Social Security numbers, account numbers, mother’s maiden name, annual income, source of income, etc.) to us. An e‑mail response back to you will not be secure, and therefore we do not include confidential account information in any e-mail response. You may also contact us by phone or mail.

Links to Other Sites

Our Site and Services may contain links to other websites or allow others to send you such links. A link to a third party’s website does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party websites. You access such third party websites or content at your own risk. You should always read the privacy policy of a third party website before providing any information to the website.

Conditions of Use, Revisions

If you choose to visit the Site, your visit and any dispute over privacy is subject to the Privacy Policy posted on the Site from time to time and our Terms of Use, including limitations on damages and application of the law of the state of California.

Your California Privacy Rights

If you are a California resident and have provided personal information to us, you are entitled by law to request certain information regarding any disclosure by us to third parties of personal information for their direct marketing purposes. To make such a request, please send an email to info@abundancecapital.com, specifying that you seek your “California Customer Choice Privacy Notice.” Please include your name, address, e‑mail address, the specific Site(s) to which your request pertains, and what personal information you do not want us to share with third parties for their direct marketing purposes. Please note that there is no charge for controlling the sharing of your personal information or for processing this request. Please allow thirty (30) days for a response. Please note that we are required to respond to only one request per customer each year, and we are not required to respond to requests made by means other than through the above email address.

You may also send us an e‑mail at info@abundancecapital.com to request access to, correct or request to have deleted any personal information that you have provided to us.

Questions and Comments

If you have any concern about privacy at the Site, please send us a thorough description to info@abundancecapital.com and we will try to consider and resolve it in a manner that is respectful of your concerns while permitting us to conduct our business.

Updates and Changes to Privacy Policy; Effective Date

We reserve the right, at any time and without notice, to add to, change, update or modify this Privacy Policy, simply by posting such change, update or modification on the Site. Any such change, update or modification will be effective immediately upon posting on the Site. Information we gather is subject to the Privacy Policy in effect at the time of use. We may e‑mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our Site frequently to see recent changes. The effective date of this policy is June 17, 2019.

LEGAL NOTICES

Limitations on Use.

You may use the Site only as intended by Abundance Capital Corporation as indicated by the Site content, including but not limited to, the Privacy Policy and Legal Notices.

You shall not (A) use the Site to promote any unlawful activity or purpose, including without limitation, any activity that could give rise to criminal or civil liability or carry out any unauthorized alteration of any data or information on the site, or (B) store on, or send, post or otherwise publish through the Site, any message, material, user name or other communication that: (1) impersonates any person or entity; (2) is unlawful, offensive, false or misleading; (3) constitutes or encourages the conduct of a criminal offense; (4) causes injury of any kind to any person or entity; or (5) contains harmful or malicious components or code designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Questions and Comments.

If you have any other questions about the Site, our products or services, please send your questions to info@abundancecapital.com, and we will try to respond in a reasonable timeframe. No response given to inquiries should not be interpreted as diagnostic or treatment advice of any type.

Copyrights.

All materials and software published on or used on the Site are protected by copyright, and owned or controlled by or licensed to Abundance Capital Corporation, or the party listed as the provider of the materials or software. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, UPLOADING, DOWNLOADING, POSTING, TRANSMITTING OR DUPLICATING ANY OF THE MATERIAL IS PROHIBITED. ALL RIGHTS RESERVED.

E-mail May Not Be Used to Provide Notice.

Communications made through the Site or the Site’s e‑mail or messaging systems shall in no way be deemed to constitute legal notice to Abundance Capital Corporation or any of its officers, employees, agents or representatives, such as where notice to Abundance Capital Corporation is required by contract, or any federal, state or local laws, rules or regulations.

General Disclaimer.

THE SITE (INCLUDING, WITHOUT LIMITATION, ALL PRODUCTS, SERVICES, CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE OR DESCRIBED ON THE SITE OR ACCESSED BY MEANS THEREOF) IS PROVIDED “AS IS,” WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, SECURITY OR ACCURACY. ABUNDANCE CAPITAL CORPORATION, FURTHER DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE MATERIALS AT THIS SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS AND OMISSIONS THEREIN.

Limitation of Liability.

IN NO EVENT WILL ABUNDANCE CAPITAL CORPORATION, ITS SUPPLIERS, OR OTHER THIRD PARTIES MENTIONED AT THIS SITE BE LIABLE FOR ANY ACTUAL, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS, INFORMATION, PRODUCTS OR SERVICES DISPLAYED ON OR AVAILABLE OR ORDERED THROUGH ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF SUCH MATERIALS, INFORMATION, PRODUCTS OR SERVICES RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Applicable Laws; Jurisdiction.

Any dispute regarding the Privacy Policy, any use of the Site, or products or services provided by Abundance Capital Corporation will be governed by and construed in accordance with the laws of the State of California in the USA as applied to agreements made and performed entirely within the State of California, without giving effect to any principles of conflicts of laws, and the federal law of the USA, as applied to agreements made and performed entirely within the USA, without giving effect to any principles of conflicts of laws. Any action brought to in connection with the Privacy Policy, any use of the Site, or products or services provided by Abundance Capital Corporation must be brought exclusively in either the state or federal courts with jurisdiction in Los Angeles County, California.

Investments Disclaimer

None of the information contained in this Site constitutes a recommendation, solicitation or offer by the Company or its affiliates to buy or sell any securities or provide any investment advice or service. The information contained in this Site has been prepared without reference to any particular user’s investment requirements or financial situation. Certain transactions give rise to substantial risk and are not suitable for all investors. Prior to the execution of any transaction by you involving information you received from this Site, you should consult your business advisor, attorney and tax and account advisors with respect to the suitability, value, risk or other aspects of any investment. The information and services provided on this Site are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory organization.