Cortado Privacy Policy

Introduction

This Privacy Policy outlines how Cortado, Inc. ("we," "us," or "our") gathers data from users who interact with Livecortado.com (https://livecortado.com/) (the "Website") and the Livecortado.com mobile application (the "App", and in conjunction with the Website, referred to as the "Services"). Acknowledging the significance of preserving the privacy of our users, subscribers, and endorsers (collectively, "users," "you," or "your"), we value our relationship with you and appreciate your confidence in sharing information with us. Therefore, providing clarity about how we gather, utilize and safeguard user data is a top priority for us.

This privacy policy (the "Privacy Policy") is crafted to communicate how we acquire and employ personal information (as defined below). We urge you to read this document thoroughly before using our Services or submitting any personal data to us. Utilization of our Services signifies your consent to the collection, usage, disclosure, dissemination, and procedures described in this Privacy Policy. Besides the Privacy Policy, our Terms of Use also govern your use of our Services.

Data We Gather

1. Data You Furnish to Us

Upon accessing our Services, any information you input into our Services is automatically captured and stored by us. Opting not to provide certain details is permissible; however, this might limit your ability to fully exploit some of our Services' capabilities.

Data is provided to us when you: browse our Services; update information in your account; contact us via phone, chat, text message or email; complete a survey; or engage in other interactions with us.

These interactions may allow you to offer us details including but not limited to: name, address, e-mail address, phone numbers, date of birth, social security number, government-issued ID or passport, student ID, bank statements, employment letters, employment contracts, pay stubs, acceptance letters, recommendation letters, references from landlords or roommates, visa information, transactional information (based on your activities on the Services and content you generate or that is related to your account), community discussions, chats with us or other users and landlords, dispute resolution, and the contents of any messages sent to us (including call recordings, emails, and text messages).

In the event of a payment transaction on our Services, your payment-related details, such as credit card or other financial data, may be collected by a third-party payment processor acting on our behalf.

If you engage in a Virtual Tour, the tour may be recorded for quality assurance purposes.

2. Data We Gather Automatically When Our Services Are Used

We also automatically collect specific types of information about your device and you when you interact with our Services.

Cookie. We, along with our third-party partners, gather information using cookies, pixel tags, or analogous technologies. Our third-party partners, such as analytics and advertising partners, may use these technologies to collect information about your online activities over time and across different services. Cookies are small text files containing a string of alphanumeric characters. When you visit or return to our Services, we read the cookie to identify you as one of our customers and help you recall orders or preferences you have selected. Cookies also enable us to recall your past activities, post your account data, send e-mail to you, and tailor the Services’ elements and information to you. We also use this information to analyze trends, administer the Services, track users’ movements around the Services, gather demographic information about our user base, and conduct our marketing campaigns. Most web browsers accept cookies by default, but allow users to reject cookies by changing their browser preferences. If you have set up your browser to reject cookies, some aspects of our Services will not work properly. For more information about our cookie practices, please visit our cookie policy, located at https://livecortado.com/cookie-policy.

Usage and Device Information. To enhance our understanding of how you interact with our Services and to help us improve them, we automatically receive information about your interactions with our Services, and the device and software you use to access them. For instance, we collect the complete Uniform Resource Locator (URL) clickstream to, through, and from our Services, including date and time; cookie number; and the phone number you use to contact our business via phone call or SMS text message.

We also gather information about your IP address, browser type and version, operating system and platform, page view statistics, traffic to and from the Services, ad data, standard web log information, session data, including page response times, download errors, length of visits to certain pages, your searches, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.

Location Information. With your permission, we can receive your precise location data when you use our Services. We may also deduce your general location information (for instance, your IP address may suggest your general geographical area).

3. Information Obtained from Third-Party Sources

Background Checks. We collaborate with third-party associates to conduct background checks on users (which include users, members, and guarantors), and acquire publicly accessible data such as criminal records, eviction history, and address history.

Additionally, we obtain credit history data from credit reporting agencies and third-party credit card fraud detection services, which assist us in preventing and identifying fraud. We may also request you to submit more information (like your driver’s license, credit card or bank statement, a recent utility bill, an employment agreement, pay stub, tax return or other relevant information), or respond to extra questions online to help verify your data.

Other Third Parties. We may also acquire data about you from other sources. Examples of this data may encompass: information from social media services that are integrated into our Services (e.g., Facebook); page-view data from merchants with whom we run co-branded businesses or to whom we deliver technical, fulfillment, advertising, or other services; and information from partners like Zillow and Trulia who share your search term and search result data with us.

If you decide to connect our Services to a third-party account, we may receive information about you, such as your name, email address, profile photo, and your linkage of the third-party account. If you prefer to restrict the information accessible to us, you should check the privacy settings of your third-party accounts to learn about your options.

How We Utilize the Information We Gather

We employ the information we gather:

·       To deliver, maintain, enhance, and augment our Services;

·       To customize your experience on our Services, such as by delivering personalized content and suggestions;

·       To comprehend and analyze how you use our Services and create new products, services, features, and functionality;

·       To communicate with you, provide you with updates and other information related to our Services, provide information that you request, respond to comments and questions, and otherwise offer customer support;

·       To send you text messages and push notifications;

·       For marketing and promotional purposes, such as developing and delivering promotional and advertising materials that may be relevant, valuable or otherwise of interest to you;

·       To generate anonymized, aggregate data containing only de-identified, non-personal information that we may use to publish reports or conduct internal research;

·       To facilitate transactions and payments;

·       To facilitate the integration of third-party services;

·       To detect and prevent fraud, and respond to trust and safety issues that may arise;

·       For compliance purposes, including enforcing our terms of service or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency;

·       For other purposes for which we provide specific notice at the time the information is collected.

How We Distribute the Information We Gather

Affiliates. We may disclose the information we collect from you to our affiliates or subsidiaries, and these entities may use the information for marketing purposes. However, if we do so, such use and disclosure will be governed by this Privacy Policy.

Vendors and Service Providers. Any information we receive may be shared with vendors and service providers we engage in the provision of our Services.

Third Party Service Integrations. If you connect a third-party account to our Services, we may share information regarding your connection of the third-party account with Cortado.

Analytics Partners. We employ services such as Google Analytics to collect and process certain analytics data. These services may also collect information about your usage of other websites, apps, and online resources. You can understand Google's practices by going to https://www.google.com/policies/privacy/partners/, and opt out by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

Third Party Advertisers. We engage third-party advertising companies to email or serve ads on our behalf. We may also serve ads or send emails that incorporate third-party cookie or action tags. These cookie or action tags may track your response to emails or ads and measure their effectiveness or award incentives or points to their members who respond to their ads. Some of our advertising partners are members of the Network Advertising Initiative (http://optout.networkadvertising.org/?c=1#!/ ) or the Digital Advertising Alliance (http://optout.aboutads.info/?c=2&lang=EN ). If you do not want to receive personalized ads, please visit their opt-out pages to learn how you may opt out of receiving web-based personalized ads from member companies. You can access any settings offered by your mobile operating system to limit ad tracking, or you can install the AppChoices mobile app to learn more about how you may opt out of personalized ads in mobile apps.

Sweepstakes, Contests, and Surveys. Occasionally we may provide you the opportunity to participate in sweepstakes, contests, or surveys on our Services. If you participate, we will request certain information from you. Participation in these activities is entirely voluntary, and you have a choice whether or not to disclose this information. By entering a sweepstakes or contest, you will be agreeing to the official rules governing the activity, and we may post the names of the winners on our Services.

Business Transfers. If our company is acquired by or merged with another company, if substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding, we may transfer the information we have collected from you to the acquiring company. We may also disclose and transfer information about you to service providers, advisors, potential transactional partners, or other third parties in consideration, negotiation, or completion of a corporate transaction.

Compliance with Law and Fraud Protection. We may access, preserve, and disclose your information if we believe it's required or appropriate to: (a) comply with law enforcement requests and legal processes, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others' rights, property, or safety. To avoid any doubt, your information may be disclosed if you post any objectionable content on or through the Services.

Consent. With your permission, we may also disclose information from or about you or your devices.

Your Choices

Marketing Communications. You can unsubscribe from our promotional emails and text messages using the link and instructions provided in the messages. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.

Location Information. You can prevent your device from sharing precise location information at any time through your device's operating system settings.

Third Parties

Our Services may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the privacy practices of these third parties. Please note that this Privacy Policy does not apply to your activities on these third-party services or any information you disclose to these third parties. We encourage you to read their privacy policies before providing any information to them.

Security

We make reasonable efforts to protect your information using physical and electronic safeguards designed to enhance the security of the information we maintain. However, since our Services are hosted electronically, we cannot guarantee the security or privacy of your information.

Privacy of Children

We do not knowingly collect, maintain, or use personal information from children under 13 years of age, and no part of our Services is intended for children. If you discover that a child has provided us with personal information in violation of this Privacy Policy, then you may alert us at hello@livecortado.com.

International Visitors

Our Services are hosted in the United States and intended for visitors located within the United States. If you choose to use the Services from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then be aware that you are transferring your personal information outside of those regions to the United States for storage and processing. Also, we may transfer your data from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Service. By providing any information, including personal information, on or to the Services, you consent to such transfer, storage, and processing.

Changes to this Privacy Policy

We will post any adjustments to the Privacy Policy on this page, and the revised version will become effective when it is posted. If we significantly change the ways in which we use or share personal information previously collected from you through the Services, we will try to notify you through the Services, by email, or other communication.

Contact Information

If you have any questions, comments, or concerns about our data collection, use or sharing activities, please email us at hello@livecortado.com or write to us at:

Cortado, Inc.

8 THE GREEN STE 300

DOVER, DE 19901