Privacy Policy Full

We at The Spectrum Group Online are committed to protecting your privacy. This Privacy Policy explains our data processing practices and your options regarding the ways in which your personal data is used. If you have requests concerning your personal information or any questions, please contact us at [email protected].

If you have objections to the Privacy Policy, you should immediately discontinue use of the Website and Services offered by us.

Definitions

References to the “Services” mean, collectively, those marketing and development services provided by us.  

References to “us,” “we,” “our,” and/or “The Spectrum Group Online,” mean The Spectrum Group Online, LLC, a Californian limited liability company, including any and all trade names utilized thereby. 

References to the “Website” mean, collectively, the Website bearing the URL https://online-sales-marketing.com/ as well as any other site or social media page operated by us.

References to “you,” and/or “User,” mean the user of the Website and/or the purchaser and/or user of our Services.

General

The following outlines the Privacy Policy but it is to your benefit to read the specific elements that follow below and are set forth in more detail in this Privacy Policy:

1. Before or at the time of collecting personal information, The Spectrum Group Online will identify the purposes for which information is being collected.
2. The Spectrum Group Online will collect and use personal information solely with the objective of fulfilling those purposes specified by The Spectrum Group Online and for other compatible purposes, unless The Spectrum Group Online obtains the consent of the individual concerned or as required by law.
3. The Spectrum Group Online will only retain personal information as long as necessary for the fulfillment of those purposes.
4. The Spectrum Group Online will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
5. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
6. The Spectrum Group Online will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
7. The Spectrum Group Online will make readily available to customers information about The Spectrum Group Online’s policies and practices relating to the management of personal information.
8. The Spectrum Group Online is committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Agreement to be Bound

The following Privacy Policy governs the collection and use of private information via the Website or through our Services. By accessing the Website and/or utilizing our Services, you represent that you have read and understand the Privacy Policy and that you agree to be bound by thereby.
This Privacy Policy may be additionally subject to our terms and conditions or other contracts entered in to between us and yourself. 

Modifications and Changes to Privacy Policy

We may modify, add to, suspend, or delete the Privacy Policy, in whole or in part, at our sole discretion at any time, with such modifications, additions or deletions being effective thirty (30) calendar days following their posting to the Web and emailing a notice to registered Users. Your access of the Website and/or purchase of our Services, after modification, addition or deletion of the Privacy Policy shall be deemed to constitute acceptance by you of the modification, addition, or deletion. 

The Information We Collect

The Spectrum Group Online may collect information about its users from third party sources, such as public records or entities, or private organizations, including but not limited to LinkedIn. 

We collect both personally-identifiable information or personal data and non-personally-identifiable information from you. Often, you choose what information to provide to us, but, sometimes, we may require certain information for you to use and for us to provide the Services. Specifically, we collect the following: 

Registration, Purchase, and Provision of our Services. In order to register you for our Services, and to provide the same, we collect your full name, email, and phone number. In addition, if necessitated for the provision of the Services, we may also collect administrator-level user names and passwords.

Payment Information. Depending on the nature of payment for our Services selected by you, we may collect and pass on your personal financial information, such as bank account or credit and debit card number; however, should a User choose to participate in any of our paid Services, financial transactions will be subject to the privacy policy of our third-party payment processors. We do not store payment information, but, instead, pass such information to our payment processors, who may store the same in accordance with their own policies.

Automated Information. The Spectrum Group Online uses web-based analytics to automatically receive and record information from each User’s browser or your mobile device when you visit the Website or use the Services, such as your IP address in an anonymized fashion or unique device identifier, cookies and data about which pages you visit in order to allow us to operate and provide the Website and Services, data about the type of device you use to connect to our Website and Services, and information about the pages you visit before and after the Website or use our Services. This information is stored in log files and is collected automatically. We may combine this information from your browser or your mobile device with other information that we or our partners collect about you, including across devices. This information is used to prevent fraud and to keep the Website and our Services secure, to analyze and understand how the Services work for our Users, and to provide advertising, including across your devices, and a more customized Website experience for all Users.

We may also automatically collect device-specific information when you access or use our Website or Services. This information may include information such as the hardware model, operating system information, browser information, IP address, human readable hardware name, and device identifiers. This information is necessary to identify you and to determine the hardware requirements of The Spectrum Group Online’s users.

The above information is collected and stored within Google’s systems and is set to “not expire.” If you want to prevent your data from being used by Google Analytics, go to: https://tools.google.com/dlpage/gaoptout.
Finally, we may also collect general demographic information via Google Analytics. Such information is anonymized and used to better improve your customer experience. 

Use of Your Information 

We may use your personally-identifiable information to process transactions; to provide and improve customer service administration; to respond to inquiries; to send company news, updates and other related info via our mailing list; to facilitate registration for and use of our Services; and to ensure legal compliance.

We may use your non-personally identifiable information to create traffic statistics for our Website and Services; to create User statistics for our Services; to improve customer service; and to personalize your User experience. 

Your Rights & Preferences

The Spectrum Group Online gives you the choice of providing, editing, or removing certain information, as well as choices about how we contact you. Note that you may not be able to access all functionality of the Services should you choose to decline to provide some personal information. For example, we cannot process a payment should you decline to provide payment information.

You may change or correct your The Spectrum Group Online information by emailing us at [email protected].
You can also request the deletion of the personal information by emailing us at [email protected].

Furthermore, should you not wish for us to reach decisions affecting you using automated profiling or processing, you may decline such participation by emailing us at [email protected].
Depending on your location, you may also have certain additional rights with respect to your information, such as: (i) data access and portability if we are processing your data for reasons of consent or to fulfill a contract (including the right to obtain a copy of your personal data you provided to

The Spectrum Group Online, via your settings); (ii) data correction (including the ability to update your personal data, in many cases via settings); (iii) data deletion if we are processing your data for reasons of consent or legitimate interest (including the right to have The Spectrum Group Online delete your personal information, except information we are required to retain, by contacting us); and (iv) withdrawal of consent or objection to processing (including, in limited circumstances, the right to ask The Spectrum Group Online to stop processing your personal data, with some exceptions, by contacting us).

You may also control the receipt of certain types of communications from The Spectrum Group Online. The Spectrum Group Online may send you messages about the Services or your activity. Some of these messages are required, service-related messages for Users (such as transactional messages or legal notices). Other messages are not required, such as newsletters. You can control which optional messages you choose to receive via the unsubscribe link in our emails.

If you no longer wish to use the Website or our Services from us or receive service-related messages (except for legally required notices), then you may close your account.

Sharing Information with Third Parties

The Spectrum Group Online does not sell, rent, lease, trade, or otherwise give away its customer lists to third parties. The Spectrum Group Online may share your data only with those third-parties who may be necessary to provide the Services and process your data, such as our payment processors. We utilize the following third-party services to provide the Services, which are subject to change at any time:

Our independent contractors who may be hired to assist in providing the Services to you

The Spectrum Group Online may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on The Spectrum Group Online or the Website; (b) protect and defend the rights or property of The Spectrum Group Online; (c) in the event The Spectrum Group Online reasonably believes you have used the Services to commit fraud or copyright infringement or have otherwise violated our Terms and Conditions of use; and/or (d) act under exigent circumstances to protect the personal safety of users of The Spectrum Group Online, or the public.

Use of Cookies; User Session Information

The Spectrum Group Online Website may use “cookies,” activity tracking, and other personalized advertising to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize The Spectrum Group Online pages, or register with The Spectrum Group Online site or purchase Services, a cookie helps The Spectrum Group Online to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same The Spectrum Group Online website, the information you previously provided can be retrieved, so you can easily use the The Spectrum Group Online features that you customized. Generally speaking, cookies do not contain personal information from which you can be identified, unless you have furnished such information to the Website. 

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the The Spectrum Group Online Services or websites you visit.

User session information, including identification and length (a randomly generated identification created for each time you use the Website, and the amount of time you use the Website, in a single session), which shows The Spectrum Group Online User preferences regarding return visits to the Website, helps The Spectrum Group Online to manage subscriptions and private areas on the Website, records user specific tracking and/or aggregate tracking information of The Spectrum Group Online Users and delivers customized content based on User-specific information, such as browser type, screen type and resolution; The Spectrum Group Online may use this information in aggregated form in order to improve future development of the Website.

We may also use “Web beacons,” activity trackers, clear .gifs,  or similar technologies, which are small pieces of code placed on a Web page, to monitor the behavior and collect data about the visitors viewing a Web page. For example, web beacons may be used to count the users who visit a Web page or to deliver a cookie to the browser of a visitor viewing that page.

As an automatic process, The Spectrum Group Online may record email and internet protocol (IP) addresses that access the Website for evaluation and diagnostic purposes in order to seek out and repair functionality issues with The Spectrum Group Online’s servers and related programming, and to monitor traffic patterns, analyze trends, administer the Website, track use patterns, and identify the most popular areas of the Website to deliver content most relevant to The Spectrum Group Online’s Users. The Spectrum Group Online hereby reserves the right to share aggregated demographic information with The Spectrum Group Online’s partners provided that such information will not be linked to your personally identifiable information that identifies you, except as set forth in this Privacy Policy.

Call Recording

We use CallRail for phone call tracking. Calls are recorded for quality and training purposes.

HotJar Analytics

This site uses HotJar Web Analytics services. HotJar may record mouse clicks, mouse movements, scrolling activity as well as text typed into the site’s contact form. We do not use HotJar to collect any personally identifiable information. Nor does this service track your browsing habits across other websites. We only use information gathered by this Web Analytics service to improve our website’s content and usability. You can choose to disable the service at the following url: https://www.hotjar.com/legal/compliance/opt-out.

Security of your Personal Information

The Spectrum Group Online secures your personal information from unauthorized access, use, or disclosure by restricting the same using secure sockets layer (“SSL”) and other encryption methods as well as enforcing two-step authentication to access our systems where your personal information may be stored and utilizing WordPress hardening. We also use additional security plugins such as Sucuri and Jetpack. 

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed. Please note that non-encrypted communication using email is not secure. Thus, we cannot guarantee data security in email communication and, therefore, recommend using physical mail for confidential information.

International Transfer

We offer a US-based service. Thus, your information will likely be transferred to and processed via servers located in Virginia, United States. Canada, the United States, the European Economic Area (“EEA”) Member States, and other countries all have different laws. When your information is moved from your home country to another country, the laws and rules that protect your personal information in the country to which your information is transferred may be different from those in the country in which you live. 

Children Under Thirteen; Notice to Minors

The Spectrum Group Online does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use the Website and Services. We request that all users of the Website and our Services who are under the age of thirteen not disclose or provide any personally-identifiable information. If we discover that a child under thirteen has provided us with personally-identifiable information, we will delete that child’s personally-identifiable information from our records. 

In addition to protecting the privacy of children under age thirteen we are committed to protect the privacy of minors. Though neither our Website nor our Services is not targeted to minors nor is it intended to be used by minors, if, for any reason a minor has shared information via our Website and/or Services said minor may request and obtain removal of such information by contacting us at [email protected]. Although we offer deletion capability, you should be aware that the removal of content may not ensure complete or comprehensive removal of that content or information provided.

Do Not Track Disclosure

Please note that while you may have the opportunity to opt-out of targeted advertising as discussed in the “How to Opt-Out” section above, and you may be able to control the use of cookies through your Web browser as described in the “Use of Cookies” section below, some Web browsers may also give you the ability to enable a “do not track” setting. This setting sends a special signal to the Websites you encounter while Web browsing. This “do not track” signal is different from disabling certain forms of tracking by declining cookies in your browser settings, as browsers with the “do not track” setting enabled still have the ability to accept cookies. We do not respond to Web browser “do not track” signals at this time. If we do so in the future, we will describe how we do so in this Privacy Policy. For more information about “do not track,” visit https://www.allaboutdnt.org/.

Retention

The Spectrum Group Online will retain your information only for as long as is necessary for the purposes set out in this policy, or as needed to provide the Services to you. If you no longer want The Spectrum Group Online to use your information to provide the Services to you, you may cease use of the Services and email us at [email protected]. The Spectrum Group Online will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your information to comply with applicable tax/revenue laws), resolve disputes, enforce our agreements, and as otherwise described in this policy. We also retain log files for internal analysis purposes. These log files are generally retained for a brief period of time, except in cases where they are used for site safety and security, to improve site functionality, or we are legally obligated to retain them for longer time periods.

E-mail Communications; How to Opt-Out

It is The Spectrum Group Online’s policy not to send unsolicited emails or allow third parties to contact you via the email address that you provide to The Spectrum Group Online except for as may be intended by the Services. 

The Spectrum Group Online may, from time to time, contact you to discuss business relevant to your subscription and, naturally, The Spectrum Group Online will contact you to respond to inquiries that you may send to The Spectrum Group Online.

In addition, from time to time, The Spectrum Group Online may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. 

Please note that or marketing and promotional communications are opt-in unless you have provided your contact information in person or otherwise directly to us in which event you will be added to our newsletter and may opt-out should you not wish to receive it. If you have opted-in but would like to stop receiving marketing or promotional communications via email from The Spectrum Group Online, you may opt out of such communications by clicking on the UNSUBSCRIBE link contained in each email.

Email marketing campaigns published by us may contain tracking facilities within the actual email. Subscriber activity is tracked and stored in a database for future analysis and evaluation. Such tracked activity may include but shall not be limited to: the opening of emails, forwarding of emails, the clicking of links within the email content, times, dates, and frequency of activity. This information is used to refine future email campaigns and supply the User with more relevant content based around their activity.

Your Rights

You may benefit from a number of rights in relation to your information that we process. Some rights apply only in certain limited cases, depending on your location. If you would like to manage, change, limit, or delete your personal information, you can do so by contacting us. Upon request, The Spectrum Group Online will provide you with information about whether we hold any of your personal information. In certain cases where we process your information, you may also have a right to restrict or limit the ways in which we use your personal information. In certain circumstances, you also have the right to request the deletion of your personal information, and to obtain a copy of your personal information in an easily accessible format. If you need further assistance, you can contact The Spectrum Group Online through one of the channels listed below under “Contact Information.” We will respond to your request within a reasonable timeframe.

If we process your information based on our legitimate interests as explained above, or in the public interest, you can object to this processing in certain circumstances. In such cases, we will cease processing your information unless we have compelling legitimate grounds to continue processing or where it is needed for legal reasons. Where we use your data for direct marketing purposes, you can always object using the unsubscribe link in such communications.

Special Notice to California Residents

This Privacy Notice for California Residents supplements the information contained in our privacy policy above and applies solely to all visitors, users, and others who reside in the State of California (”consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

Our Website collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (”personal information”). In particular, our website has collected the following categories of personal information from its consumers within the last twelve (12) months:

Category A: Identifiers

Examples: A real name, Internet Protocol address, email address, or other similar identifiers.

Collected: YES

Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

Collected: YES

Category C: Protected classification characteristics under California or federal law.

Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Collected: NO except as may be anonymized and collected by Google Analytics

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA’s scope, like:
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from forms you complete on our Website.
• Indirectly from you. For example, from observing your actions on our Website or interactions with our advertisers. 

Use of Personal Information

We may use, or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you provide your personal information to purchase a product or Service, we will use that information to process your payment and facilitate delivery of such Service.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose or sell your personal information, subject to your right to opt-out of those sales (see Personal Information Sales Opt-Out and Opt-In Rights). When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.

For a list of whom we share your personal information, please see this Privacy Policy, Sharing Information with Third Parties.

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, The Spectrum Group Online has disclosed personal information for a business purpose.

Sales of Personal Information

In the preceding twelve (12) months, The Spectrum Group Online had not sold personal information.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• sales, identifying the personal information categories that each category of recipient purchased; and
• disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending us a message on our website. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a twelve- (12)-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve- (12-) month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sales Opt-Out and Opt-In Rights

If you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers we actually know are less than sixteen (16) years of age, unless we receive affirmative authorization (the “right to opt-in”) from either the consumer who is between thirteen (13) and sixteen (16) years of age, or the parent or guardian of a consumer less than thirteen (13) years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time. To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following our webpage and sending us a message.

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by visiting our website and sending us a message. We will only use personal information provided in an opt-out request to review and comply with the request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services except whereas necessary for local, state, or federal compliance. 
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send us an electronic message through our website or write us at our address listed on our webpage.

To make any such a request, please contact us through one of the channels listed below under “Contact Information.”

Withdrawing Consent

Where you have provided your consent, you have the right to withdraw your consent to our processing of your information. For example, you can withdraw your consent to email marketing by using the unsubscribe link in such communications. You can email [email protected] at any time to request that your personal information be deleted, except for information that we are required to retain. This deletion is permanent.

Contact Information

The Spectrum Group Online welcomes your questions or comments regarding this Privacy Policy. If you believe that The Spectrum Group Online has not adhered to this Statement, please contact:

Address:

The Spectrum Group Online,
LLC, 5142 Lapa Dr.,
San Jose,
CA 95129

Phone: +1 408-675-0330

Email Address:  [email protected]