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PRIVACY POLICY

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PRIVACY POLICY Last Updated April 2020 Index Below are links to key sections of our Privacy Policy: <ol> <li> <ol> <li>Personal Information We Collect and Use</li> <li>How We May Use Personal Information</li> <li>Cookies and Similar Technologies</li> <li>How We Share Personal Information</li> <li>How We Protect Your Personal Information</li> <li>California Privacy Notice</li> <li>Changes to This Notice</li> <li>Contact Us</li> </ol> </li> </ol> This Privacy Notice sets forth the principles that govern our treatment of personal information.&nbsp. We expect all employees and those with whom we share personal information to adhere to this Privacy Notice. The Company is committed to protecting the information that our customers, employees, suppliers, and others have entrusted to us. This Privacy Notice applies to all personal information collected by OnPoint, relating to all customers, employees, suppliers, and others who do business with the Company. PERSONAL INFORMATION WE COLLECT AND USE Personal Information You Provide We only collect personal information that you provide to us, or that we are authorized to obtain by you or by law.&nbsp. The types of personal information we collect from you will depend on how you are interacting with us using our website and services.&nbsp. For example, we may collect different information from you when you request a free guide, or if you contact us with a question.&nbsp. Depending on how you interact with our websites, we may have collected the following categories of personal information from you within the past 12 months: <ul> <li> Identifiers, such as your name, postal address, Internet Protocol address, email address, or other similar identifiers.</li> <li> Personal Information Subject to Cal. Civ. Code § 1798.80(e), including your name, address, telephone number, health insurance status information, housing information, debt information, declared personal interests, political affiliation, medical information, or any other financial information. Some personal information included in this category may overlap with other categories.</li> <li> Protected Classifications, including your age, date of birth, disability status, gender, and veteran or military status.</li> <li> Online Activity, including information on your interaction with a website, application, or advertisement, your Internet Protocol (IP) address, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.</li> </ul> We do not knowingly collect any personal information from individuals under 18 years of age, and therefore do not use or disclose it to third parties. Personal Information Provided by Others Depending on how you interact with our websites, we may collect cookies and browsing data from our service providers.&nbsp. This includes online activity information and browsing and usage information. HOW WE MAY USE PERSONAL INFORMATION Your privacy is important to us.&nbsp. We collect and use information we need to do our business, including providing you with the services and experiences you expect from us.&nbsp. When we collect and use your information, we take your privacy and security very seriously. We collect personal information to provide products and related information to you. &nbsp. We will use the information provided by you or on your behalf to provide the requested products and information, such as our free guides.&nbsp. We also may send your personal information to our marketing partners if you allow us to and if the marketing partner’s offers may be interesting to you.&nbsp. Specifically, we may use your personal information for the following purposes: <ul> <li> To respond to your questions, requests, or communications, including any feedback or requests relating to our products and services;</li> <li> To provide you with products or further information about your products, including but not limited to free guides, customer support, and advertising and marketing services;</li> <li> To send you marketing offers or to allow our marketing partners to contact you, via email or via telephone or text, with your consent. You may unsubscribe or opt out of receiving marketing offers at any time by using the “Unsubscribe” link at the bottom of the email marketing message, following the instructions on our unsubscribe page, or e-mailing us at info@homeonlinetips.com;</li> <li> To operate, evaluate, and improve our business, including improving and personalizing the experience for you and others, to complete and maintain records of transactions with individual customers following use of services;</li> <li> Data Analytics to audit, research, and conduct analysis in order to maintain and improve our services and to protect people who use our services;</li> <li> For safety and security, by making sure third parties protect your information, monitoring the technical functioning and security of our network;</li> <li> For legal and compliance, including complying with applicable laws, regulations, and legal obligations. and</li> <li> To protect the rights or property of the Company, its employees, and people who use its services.</li> </ul> COOKIES AND SIMILAR TECHNOLOGIES Our websites use cookies, web beacons, java scripts, and similar technologies to automatically collect certain information about your activity relating to your visit to our websites.&nbsp. These technologies collect your Internet Protocol (IP) address, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.&nbsp. We use this data to analyze trends, administer our websites, track users’ movements through our websites, and gather demographic information about our user base as a whole.  We may receive reports based on these technologies on an individual or aggregated basis. A “cookie” is a small text file that websites send to your computer or device other Internet-connected device to identify your browser or to store information or settings in the browser. A “web beacon”, also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. We use these automated technologies to collect information about your devices, browsing actions, and usage patterns. The information we obtain in this manner includes information on your interaction with a website, application, or advertisement, your Internet Protocol (IP) address, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. Our websites use first-party cookies (served directly by our website domain when you visit our websites) and third-party cookies (served by a third-party website when you visit our websites and our marketing partners’ websites). Behavioral Tracking/Third Party Cookies We allow third party vendors and advertisers to set their own cookies on and through our websites. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use third-party analytics services on our websites, including Google Analytics.  To learn more about Google Analytics, visit: https://policies.google.com/technologies/partner-sites. We use AdWords Remarketing through Google which connects the activity on our websites with the AdWords advertising network and the DoubleClick cookie to serve you with relevant advertising material when you leave our websites. That cookie collects information about your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also use Google Analytics Advertising. This includes (i) Remarketing with Google Analytics. (ii) Google Display Network Impression Reporting. (iii) DoubleClick Campaign Manager integration. and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. Your Internet browser may let you restrict or disable certain types of cookies.&nbsp. Without cookies, you may not be able to use all of the options on our websites. Some web browsers allow you to turn on Do Not Track (“DNT”), which sends signals to websites you visit, telling those sites that you do not want your online activities to be tracked. Our websites currently are not designed to respond to DNT signals received from web browsers. We may also use JavaScript to help our website, especially pictures, function better.&nbsp. You can turn JavaScript on or off in your browser functions, but if you turn it off, you may not be able to use all of the options on our websites. Sometimes we use technology to collect the information that your browser uses to auto-fill.&nbsp. We use this to tell you if there is a mistake in registration or if the registration cannot be submitted.&nbsp. You can stop this technology by turning it off in your browser, and you will still be able to use all of the options on our websites. HOW WE SHARE PERSONAL INFORMATION We may share information about you to third parties as indicated below: Affiliates: We may share your personal information with our affiliates and subsidiaries if we need to.&nbsp. If we share your information, we will share only the information that is necessary and we will take reasonable steps to make sure that third parties take prudent steps to protect your information. Service Providers, Suppliers, Agents, and Business Partners: Other companies sometimes provide certain services to us or on our behalf (e.g., maintenance, IT support, human resources, analysis, development, security).&nbsp. Unless we tell you differently or as described elsewhere in this Privacy Notice, our service providers are not permitted to use your information except to assist us. Marketing Partners: We may share your information with third parties for marketing purposes.&nbsp. The third parties promote their products and/or services via email and telephone if permitted. Compliance with Legal Obligations: We may need to disclose certain information to auditors, government authorities, law enforcement, regulatory agencies, our legal counsel, third party litigants and their counsel, or other authorized individuals in order to comply with laws that apply to us, or other legal obligations such as contractual requirements. Changes in Business Structure/Ownership: We may disclose or transfer your personal information to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of the Company’s business, assets, or ownership interest (including any bankruptcy or similar proceedings). Information We Sell We may have sold, shared or monetized the following categories of personal information within the past 12 months: <ul> <li> Identifiers, such as your name, postal address, Internet Protocol address, email address, or other similar identifiers.</li> <li> Personal Information Subject to Cal. Civ. Code § 1798.80(e), including your name, address, telephone number, health insurance status information, housing information, debt information, declared personal interests, political affiliation, medical information, or any other financial information. Some personal information included in this category may overlap with other categories.</li> <li> Protected Classifications, including your age, date of birth, disability status, gender, and veteran or military status.</li> <li> Online Activity, including information on your interaction with a website, application, or advertisement, your Internet Protocol (IP) address, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.</li> </ul> Information We Disclose for a Business Purpose In addition to the purposes described in this notice, we may use personal information listed below for business purposes. <ul> <li> To provide you with products or services, including customer service, free guides, and advertising and marketing services, we use the following categories of information: identifiers, personal information subject to Cal. Civ. Code § 1798.80(e), protected classifications, and online activity.</li> <li> To improve our website, including responding to inquiries and improving functionality, we use the following categories of information: identifiers and online activity.</li> <li> To provide you with targeted advertising, including customized ads on our website, via email, or through direct mail, we use the following categories of information: identifiers, personal information subject to Cal. Civ. Code § 1798.80(e), protected classifications, and online activity.</li> <li> To comply with your requests, including sending your information to third parties if you ask us to do so: identifiers, personal information subject to Cal. Civ. Code § 1798.80(e), protected classifications, and online activity.</li> </ul> HOW WE PROTECT YOUR PERSONAL INFORMATION We strive to take appropriate security measures to help safeguard your personal information from unauthorized access and disclosure.&nbsp. For example, only authorized employees are allowed to access personal information, and they may only access it for permitted business functions.&nbsp. We also use technology to protect your information, including encrypting sensitive personal information that is transferred to or from our systems. While we cannot guarantee that loss, misuse, or alteration will never occur, we use reasonable efforts to prevent it.&nbsp. Please keep in mind that no method of storage or transmission over the Internet is completely secure, so your use of our services and provision of information to us is at your own risk. Our websites may contain links to other sites on the Internet that are owned and operated by third parties.&nbsp. The information practices of those websites linked to our websites are not covered by this Privacy Notice.&nbsp. We are not responsible for the privacy policies of other websites to which our websites link. CALIFORNIA PRIVACY NOTICE Your Rights and Choices For all personal information that we collect about you, you may have the following rights or choices that we will accommodate where your requests meet legal and regulatory requirements and do not risk making our other data less secure or changing our other data.&nbsp. You may also designate an authorized agent to make a request on your behalf. Access, Erase: You may have the right to know what information is being collected about you, to access your personal information, to receive a copy of your information, and to know whether your personal information is disclosed and to whom.&nbsp. You also may request that we erase your information.&nbsp. If you have questions about your information or want to ask us to erase your information, please contact us using the methods in the Contact Us section below. Opt Out of Sale: You may have the right to ask us not to sell your personal information.&nbsp. If you would like to make a request, please click HERE, or select the “Do Not Sell My Info” link on the bottom of any of our web pages. Data Portability: If you would like to request that we provide a copy of your information to you, please contact us using the methods in the Contact Us section below. Non-Discrimination:&nbsp. You have the right not to receive discriminatory treatment by the Company because you exercise your privacy rights.&nbsp. If you have any questions, please contact us using the methods in the Contact Us section below. How to Make a Request:&nbsp. If you would like to make a request, please click HERE, or select the “Privacy Rights Request” link on the bottom of any of our web pages. Responding to Requests: Your request will be evaluated to determine whether the requested change meets legal regulatory requirements and does not risk making our other data less secure or changing our other data. Verifying Your Identity: To protect you and your information, we may ask you to confirm certain information before we honor your request.&nbsp. For example, if you make a request, we will ask you to confirm your email address.&nbsp. For certain requests, we will use a combination of your email address, phone number, zip code, and/or birth date to verify your identity, so that we can help protect your information.&nbsp. If you designate an authorized agent to make a request on your behalf, we may require you to verify your identity and provide the authorized agent’s identity and contact information to us. 2019 Requests – In 2019, we did not receive any of the above requests. CHANGES TO THIS NOTICE We reserve the right to modify or change this Privacy Notice at any time.&nbsp. When we make a material change to this Privacy Notice, we will inform you by posting a prominent notice on the home page of our website or changing the date on this page noting when the Privacy Notice was last updated. CONTACT US For questions regarding this Privacy Notice or to submit any of the requests mentioned above relating to your personal information, contact us using any of the following options: Email: info@homeonlinetips.com Telephone: (855) 432-7386 (available from 9:00 am to 9:00 pm EST)