XOA 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”). We have collected the following categories of personal information listed below from our consumers within the last twelve (12) months. However, not all items listed below are collected about each visitor.
XOA collects personal information from the above categories directly from you, third parties, and automatically through our Services. Additionally, you may choose to voluntarily provide additional information to us. We may collect data about you from companies that help us verify your identity, do a credit check, prevent fraud, or assess risk.
Examples of Cookies we may use are:
XOA may use internal and third-party analytics tools, including Google Analytics. The third-party analytics companies we work with may combine information collected with other information they have independently collected from other websites and/or other online products and services. Their collection and use of information are subject to their own privacy policies.
Action Tags are commonly referred to as Web beacons or GIF tags. This type of technology is inserted in various places within our website to collect anonymous information about your visits to the XOA site and your interaction with our ads and content. XOA may use certain technologies to collect additional information related to the status and condition of your mobile devices. This information may be used to support the security of your transaction with XOA, determine industry trends, and for other research purposes.
XOA may collect, transmit, and store information about you in connection with your use of XOA,s Services. We use your data to do things like process your payments, send you information about your transaction, figure out if our services work in your location, secure your data, fight fraud, comply with the law, enforce our agreements, figure out what new products we can build, and better communicate with you. Even when we do not retain such information, it still can be transmitted to our servers initially and stored long enough to process.
We also may use Personal Information we collect about you or you provide to us for the following business purposes:
XOA may share information collected from or about you with others including within the group of XOA companies and with select third parties for a business purpose. When we disclose personal information for a business purpose the recipient must only use the information to perform its contracted service. We may also share personal information when we suspect fraud, to comply with applicable state and federal regulation, or for risk management.
In the preceding twelve (12) months, XOA has not sold Personal Information it has received by and through its Services to any third party. XOA does not intend to sell personal information and will not do so in the future without providing you with notice and opportunity to opt-out of such sale as required by law.
XOA generally retains Personal Information if reasonably necessary to provide you the Services or to comply with applicable law. However, we can keep copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations, or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Terms and Conditions or other applicable agreements or policies, or to take any other actions consistent with applicable law.
The security of your information is important to us. XOA takes a variety of measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. For example, we take steps to limit access to sensitive information from or about you to those XOA employees, agents, and contractors who have legitimate a business reason to access such information. We also use measures like encryption and hashing to help protect sensitive information when in transmission. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our own premises and with the assistance of third-party service providers. Please refer to the U.S. Federal Trade Commission,s website for information on how to protect yourself from identify theft.
XOA uses third-party advertising networks to distribute our advertisements on other websites and mobile applications where we have paid to advertise. These advertisements may use tracking technologies to capture certain information, such as IP address, usage information, or your responsiveness to our advertisements. This information is used to understand your browsing behavior and interests so we can identify your needs to provide tailored services and advertising.
XOA may contact you through email based on the products and services you have engaged with or information you provided. Marketing email communications will provide a link to unsubscribe from future related email communications or contact us through Contact Us and note "Privacy" as reason for contacting us. Do not send us a return email asking to be omitted from future email distributions as the sending email address might not be able to accept incoming email. You may also receive email communications that provide information and updates relating to a transaction with XOA which will not provide a way to unsubscribe.
XOA does not have a mechanism on its website that responds to a do-not-track signal from your browser. See www.networkadvertising.org for information on how to opt-out from third party Cookies or tags. Please review the Privacy Policies of all websites you visit to ascertain the type of information collected on those sites.
The third-party companies we use for online tracking have a network of advertising companies and may share with XOA anonymous information about your visits to xchangeofamerica.com and other websites and may use it to provide ads about goods and services of interest or relevant to you based on your browsing of our Services. From time to time, we may also share anonymous information with such third-party companies in an aggregate form, for purposes of analysis and improvement of our website. If you would like more information about the use of third-party Cookies and tags, or the process of opting out of such Cookies or tags, please go to www.networkadvertising.org.
XOA does not access location data stored on your mobile device or computer without your permission. Some features, such as our branch finder tool, which locates the nearest XOA branch and shows the best route to get there, will not fully function unless you have enabled access to your location data.
Online advertising that relies on location tracking can be prevented by refusing to grant permission to use location data stored on your device. You can also set your device to block access to location data stored on your device. Refer to the user guide for your device.
Our Services are general audience services not directed at children under the age of 13. We do not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register. If we learn that any collected information has been provided by a child under the age of 13, we will promptly delete that information.
XOA maintains information on social media sites like Facebook, Twitter, and LinkedIn. When you post information on XOA social media pages it will be subject to the privacy and security conditions of the social media site. When you log into XOA owned social media properties, we collect information about your activities on those properties. The information we review includes whether you visited or commented on a blog or provided a rating.
You are prohibited from posting or transmitting to or from XOA any materials that violate any law. If you have concerns relating to the privacy or confidentiality of this website, please contact XOA through the Contact Us page or call (888) 796-2962.
If you have any questions regarding this policy or would like to change your preferences, please contact us by either:
If you have concerns relating to the privacy or confidentiality of this website, please contact us by either:
Under the California Consumer Privacy Act of 2018 (CCPA), California residents have certain rights around XOA,s collection, use, and sharing of their Personal Information. The CCPA is a right afforded to only residents of the State of California. 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.
California defines residency as (1) every individual who is in the State for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the State who is outside the State for a temporary or transitory purpose. All other individuals are nonresidents. Examples of domicile include paying taxable income, maintaining a permanent home, paying resident tuition, voting in a California election, or any other benefit not ordinarily extended to nonresidents.
XOA collects various categories of personal information when you use the Service, including identifiers, commercial information, internet or other electronic network or device activity information, geolocation data, address, and potentially date of birth. A more detailed description of the information XOA collects and how we use it is provided above in the sections The Information We Collect and How We Use Your Information. Information Sharing describes the categories of third parties with whom we share personal information, and what information may be shared under different circumstances.
If you are a resident of California, you have the right to request to know what personal information has been collected about you and its use over the past 12 months. You may request a copy of the specific pieces of information that we have collected (referred to as your “access” right). Once we receive and confirm your verifiable consumer request (as described more fully in Exercising Access, Data Portability, and Deletion Rights below), we will disclose to you:
If you are a resident of California, you also have the right to request the deletion of your personal information, though exceptions under the CCPA may allow XOA to retain and use certain personal information notwithstanding your deletion request.
We may deny your deletion request if retaining the Personal Information is necessary for us or our third-party service provider(s) to:
California residents also have the right to opt-out of the sale of their personal information by us. As noted above in the section Sale of Personal Information, we do not sell personal information about California residents.
If you are a resident of California, to exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request (as described more fully below) to us by either:
Only you, or a person registered with the California Secretary of State who 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 12-month period. The verifiable consumer request must:
However, 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 that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor,s identity or authority to make the request.
If you are a resident of California, we endeavor to respond to a verifiable consumer request for access to personal information within 45 days of receiving it. 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.
The response we provide will also explain the reasons we cannot comply with a request, if applicable.
California consumers have the right to exercise their access, deletion and other rights without discrimination, and to receive transparent disclosures about any incentives a business offers them with regard to the collection, use, and disclosure of their personal information. We will not discriminate against you for exercising your rights under the CCPA.
Separate from the CCPA, this law gives California residents the right to ask companies once a year, free of charge, what personal information they share with third parties for those third parties, direct marketing purposes in the prior calendar year.
We do not disclose your personal information to third parties for the purpose of directly marketing their goods or services to you unless you request such disclosure.
To better provide you with products and services offered on our Site, Xchange of America may collect personally identifiable information, such as 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”). For example, if you purchase Xchange of America's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. Xchange of America may also collect anonymous demographic information, which is not unique to you. We have collected the following categories of personal information listed below from our consumers within the last twelve (12) months. However, not all items listed below are collected about each visitor.
XOA collects personal information from the above categories directly from you, from third parties, and automatically through our Services. You may also choose to voluntarily provide additional information to us. We may collect data about you from companies that help us verify your identity, do a credit check, prevent fraud, or assess risk.
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
The Xchange of America website may use "cookies" to help you personalize your online experience. Cookies are a string of data sent between a server and a web browser to help facilitate the use of a website and to help understand how a website is being used.
Xchange of America collects and uses your personal information to operate its website(s) and deliver the services you have requested.
Xchange of America may also use your personally identifiable information to inform you of other products or services available from Xchange of America and its affiliates.
Xchange of America does not sell, rent, or lease its customer lists to third parties.
Xchange of America may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. Xchange of America may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Xchange of America, and they are required to maintain the confidentiality of your information.
Xchange of America 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 Xchange of America or the site; (b) protect and defend the rights or property of Xchange of America; and/or (c) act under exigent circumstances to protect the personal safety of users of Xchange of America, or the public.
Xchange of America may keep track of the websites and pages our users visit within Xchange of America, to determine what Xchange of America services are the most popular. This data is used to deliver customized content and advertising within Xchange of America to customers whose behavior indicates that they are interested in a particular subject area.
Information about your computer hardware and software may be automatically collected by Xchange of America. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Xchange of America website.
Xchange of America secures your personal information from unauthorized access, use, or disclosure. Xchange of America uses the following methods for this purpose:
When personal information (such as a credit card number) is transmitted to other websites, it is protected using encryption, such as the Secure Sockets Layer (SSL) protocol.
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 all information and data exchanged between you and us through this Site cannot be guaranteed.
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
Xchange of America 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 this website.
From time to time, Xchange of America may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. To improve our Services, we may receive a notification when you open an email from Xchange of America or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Xchange of America, you may opt out of such communications by firstname.lastname@example.org.
Xchange of America welcomes your questions or comments regarding this Statement of Privacy. If you believe that Xchange of America has not adhered to this Statement, please contact Xchange of America at:
Xchange of America, Inc. / Xchange of America, LLC, and all associated companies
819 SW Federal Highway, STE 100
Stuart, Florida 34994
Effective as of January 25, 2021
7 days a week