Privacy Policy

Privacy Policy

Last updated on March 27, 2020

The Company (“CLC”, “we”, “us”, “our”) respects the privacy of its customers, and it is our policy to maintain your information in a confidential manner. We are committed to providing our customers with the highest level of service, which includes respecting the security and privacy of our customers’ personal information.

By using CLC’s Website and/or providing us with personal information you agree to the terms and conditions of this Privacy Policy, including subsequent updates. We update our Privacy Policy regularly. This version is effective as of the date indicated above.

Authorization to Process Personal Information:

By using CLC’s Website you are expressly providing CLC with your consent to the processing of your personal information for the purpose of performance of a contract with you or in order to take steps necessary to enter into a contract with You as well as the uses set forth in Paragraph 2. You further authorize CLC to process your personal information for the purposes of processing payments or providing you with requested information. You may withdraw your consent at any time.

CLC’s Website may contain links to other sites that CLC does not operate. CLC has no control over the content of third-party websites and assumes to responsibility related thereto. You should review the Privacy Policy and Terms and Conditions of every website that you visit.

1. How and Why We Collect Information About You

At CLC, we do not share customer information that you entrust to us except as permitted or required by applicable laws and regulations. Following is a description of the type of information we collect, how the information is used, and what we do to keep the information secure.

1.1 Information About You

For various reasons related to the conduct of our business, we may need to collect personal information about you. For example, if you provide your contact information, date of birth or employment information, we have collected your personal information. We may, if appropriate or necessary to conduct our business, also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

CLC does not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and become aware that your minor child has provided us with Personal Data, please notify us immediately.

We may also collect usage data which gives us information about how you use our Website and our services. This could include information such as your computer’s IP address, browser type, and the pages of our Website that you visit along with the time and date of your visit.

1.2 Types of Personal Information

The types of personal information we collect and share depend on the product or service you have with us. This information could include:

  • Social Security number and income
  • Bank or credit card information
  • Address and phone number
  • Credit history and credit scores
  • Contact information
  • Date of birth
  • Employment history
  • Other financial information

1.3 Sources of Information

We may collect publicly available information and nonpublic personal information about you from the following sources:

  • Information we receive from you directly or through an unaffiliated third-party.
  • Information previously provided to us, our affiliates, or others.
  • Information we receive from others, such as credit bureaus, appraisers, or employers.
  • Information you have provided to us.

1.4 Cookies

We also use cookies and other similar tracking technologies to track activity on our Website and to gather data about you. Cookies can be either “persistent” or “session” based. Persistent cookies are stored on your computer, contain an expiration date, and may be used to track your browsing behavior upon return to our Website. Session cookies are short-lived, are used only during a browsing session, and expire when you quit your browser. Upon closing your browser, the session cookie set by this Website is destroyed and no personal information is maintained which might identify you should you visit our Website at a later date.

You can instruct your browser to refuse all cookies or to alert you when a cookie is being sent; however, if you do not accept cookies, you may not be able to use all of the capabilities on our Website or parts of our services.

2. Use of Your Personal Information

We use your personal information to provide to you the service you requested. Information may be shared with or used by CLC, its affiliates and unaffiliated third parties for a range of legitimate business purposes, including but not limited to:

  • To protect your accounts with CLC
  • To process your requests for products or services and payments related to same
  • To service or maintain your account, such as process payments
  • To respond to a subpoena, a fraud investigation, or other legal process
  • To respond to credit bureaus, or similar reporting agencies, and government agencies
  • To engage another company to collect on your account
  • To keep you informed of other services CLC can provide that it feels may be a benefit or of interest to you

2.1 Affiliated Companies

Affiliates are companies related by common ownership or control. The Company may share information with its affiliates to market their products or services to you. Please see Section 4 for information on how to limit sharing.

2.2 Nonaffiliated Companies

Nonaffiliates are companies not related by common ownership or control. In order to provide the products and services you have requested or already have with the Company, from time to time the Company may share customer information with certain unaffiliated companies as permitted or required by law. The Company intends to share information with unaffiliated companies to allow them to market their products or services to you. Please see Section 4 for information on how to limit sharing.

2.3 Joint Marketing

Joint Marketing is an agreement between nonaffiliated companies that together market products or services to you. The Company may share your information with companies with which we have a Joint Marketing agreement.

3. Protecting Your Personal Information

The security of our customers’ information is a very serious matter. We restrict access to customer information to persons who need to know that information to perform their specific job duties. Administrative, technical and physical safeguards are used to ensure security and confidentiality as well as protect against potential threats or hazards to the security and integrity of our customers’ information. We strive to ensure that companies we do business with also adhere to these standards. Although these measures are taken to protect customer information, the Company does not guarantee that unauthorized access will never occur given the inherent risks in transmitting information over the internet.

3.1 Data Retention

We retain your personal data only for so long as it is necessary to accomplish the purposes set out in this Privacy Policy or otherwise authorized by you and only to the extent necessary to comply with applicable legal requirements, to resolve disputes, and to enforce our agreements. We may also retain usage data for analytical purposes only for so long as is necessary to conduct usage analysis unless a longer retention period is required by law.

3.2 Data Transfer

By using the Website, you acknowledge that Your personal information may be transferred to and maintained on computers located outside of your geographic and/or governmental jurisdiction where data protection laws may be different than those in your home jurisdiction. Your use of the Website and provision of personal information constitutes consent to such transfers.

3.3 Your Rights Under the General Data Protection Regulation (GDPR)

If You are from the European Economic Area (EEA), you should know that CLC’s legal basis for collecting and using your personal information depends on the information collected and the specific context. However, our legal basis to process your personal information is as follows:

  • You have consented to such processing by using this Website in accordance with this Privacy Policy;
  • CLC needs to perform its obligations under a contract with you or take the steps necessary to form a contract with you;
  • For payment processing purposes;
  • To comply with applicable law; or,
  • Such processing is in our legitimate interest and is not overridden by your rights.

Some users (residents of the European Economic Area) of the Website may have certain rights under the GDPR in various circumstances, including the following:

  • The right to access, update, or delete information.
  • The right to have your information corrected (rectified) if it is inaccurate / incomplete.
  • The right to object to the processing of your personal information.
  • The right to request restriction of processing of your personal information.
  • The right to be provided with a copy of your personal data.
  • The right to withdraw the consent you have granted according to the terms of this Privacy Policy.
  • You have the right to lodge a complaint with a supervisory authority known as a Data Protection Authority, about our use or collection of your personal information. For more information, contact your local data protection authority in the EEA.

If you want more information about the personal data we have about you and/or you want such information to be removed from our systems, please contact us by any of the means set forth on our Contact Page.

4. Limit Sharing. Opt-Out Options

To limit sharing or opt-out, contact us at:

5. Questions or Concerns

You can contact us by mail at:

Cosmic Lens Consulting LLC

Attn: Controller / Data Protection Officer

PO BOX 91205

Austin, TX 78709

You can also reach us by any means set forth on our Contact Page.

Contact Us