Privacy policy

PRIVACY POLICY

Last Updated on 5/26/2022. This privacy policy is effective immediately.

Introduction

At Horsepower Financial royalenfield.horsepowerfinancial.com/ (the “Company” or “We”), we take your privacy seriously. We are committed to keeping your information private through compliance with this policy. This policy explains what information we collect when you visit our website (“Website”), how we use it, and how we keep it safe.

This policy applies to the information that we collect:

• On this website.

• In email, text, and other electronic messages between you and this website.

• Through desktop and mobile applications you download from this website, which provides dedicated non-browser-based interaction between you and this website.

• When you interact with our advertising and applications on third-party websites and services, if those include links to this privacy policy.

It does not apply to the information collected by:

• Us offline or through any other means, including any other website operated by the Company or any third party (including our affiliates and subsidiaries) or

• Any third party (including our affiliates and subsidiaries), including through any content or application (including advertising) that may link or be accessible from or on the website.

Important: Please read this policy carefully. This privacy policy outlines how we collect, use, and protect your information when you visit our website. By using our website, you agree to these terms. We may update this policy from time to time, so please check back regularly. Your use of this website, even after we make changes to this policy, is deemed acceptance of those changes. If you do not agree to this policy, you may choose not to use our website.

CHILDREN UNDER THE AGE OF 13

Our website is not intended for children under 13 years old. Individuals under 13 are not permitted to submit any personal information on the website. We do not knowingly gather personal information from children under 13. If you are under 13, please refrain from using this website, providing any information, registering, making purchases, using interactive or public comment features, or sharing any details about yourself, such as your name, address, phone number, email address, or any screen or user names. If we discover that we have unknowingly collected personal information from a child under 13 without parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us using our contact link.

INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

We collect various types of information from and about users of our website, including:

• Information that can personally identify you, such as your name, postal address, email address, telephone number, or any other data collected by the website that is considered personal or personally identifiable under applicable law (“personal information”).

• Information related to you that does not individually identify you.

• Details about your internet connection, the equipment you use to access our website, and your usage patterns.

We collect this information:

• Directly from you when you provide it to us.

• Automatically as you browse the site, including usage details, IP addresses, and data gathered through cookies, web beacons, and other tracking technologies.

• From third parties, such as our business partners.

INFORMATION YOU PROVIDE TO US

The information we collect through our website may include:

• Details you provide by filling out forms on our website, such as when you register, subscribe to our service, post content, or request additional services. We may also request information when you report an issue with our website.

• Records and copies of your correspondence (including email addresses) if you contact us.

• Your responses to surveys we may ask you to complete for research purposes.

• Details of transactions you conduct through our website, including the fulfillment of your orders. You may need to provide financial information before placing an order.

• Your search queries on the website.

You may also provide information to be published or displayed (“posted”) in public areas of the website or transmitted to other users or third parties (collectively, “User Contributions”). Your User Contributions are posted and transmitted to others at your own risk. While we may restrict access to certain pages, you can adjust privacy settings by logging into your account profile. Please understand that no security measures are completely foolproof. Additionally, we cannot control the actions of other users of the website with whom you may share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.

INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNOLOGIES

As you browse and interact with our website, we may use automatic data collection technologies to gather certain information about your device, browsing behavior, and patterns, including:

• Details of your visits to our website, such as traffic data, location data, communication data, and the resources you access and use.

• Information about your computer and internet connection, including your IP address, operating system, and browser type.

We may also use these technologies to gather information about your online activities over time and across third-party websites or other online services (behavioral tracking). The information we collect automatically is statistical and does not include personal data, but we may link it to personal information we collect through other means or receive from third parties. This helps us improve our website and provide a better, more personalized experience by allowing us to:

• Estimate our audience size and usage patterns.

• Store information about your preferences, enabling us to tailor our website to your individual interests.

• Speed up your searches.

• Recognize you when you return to our website.

The technologies we use for automatic data collection may include:

• Cookies (or browser cookies): A cookie is a small file stored on your computer’s hard drive. You can refuse to accept cookies by adjusting the settings in your browser. However, doing so may limit your access to certain parts of our website. Unless you have configured your browser to reject cookies, our system will issue them when you visit our website.

• Flash Cookies: Some features of our website may use locally stored objects (or Flash cookies) to collect and store information about your preferences and navigation on our site. Flash cookies are not managed by the same settings as browser cookies.

• Web Beacons: Pages on our website may contain small electronic files known as web beacons (also called clear gifs, pixel tags, or single-pixel gifs) that allow us to count users who have visited specific pages or opened an email. These beacons help us gather statistics about website usage, such as tracking the popularity of certain content and verifying system and server integrity.

We do not automatically collect personal information, but we may link this data to personal information you provide or that we obtain from other sources.

THIRD-PARTY USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES

Some content or applications on our website, including advertisements, are provided by third parties such as advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies, web beacons, or other tracking technologies to gather information about you while you use our website. The information they collect may be linked to your personal information, or they may track your online activities across different websites and services over time, including collecting personal information. They may use this data to deliver interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they use the information they collect. If you have any questions about an advertisement or targeted content, please contact the provider directly.

HOW DO WE USE YOUR INFORMATION

The information we collect about you or that you give us, including personal information, is used in the following way:

• To present our website and its content to you.

• To provide you with the information, products, or services you request from us.

• To inform you about our services.

• To send you notices regarding your account or subscription, including expiration and renewal notifications.

• To fulfill our obligations and enforce our rights under any contracts between you and us, including for billing and collection.

• To notify you about changes to our website or any products or services we offer through it.

• To enable your participation in interactive features on our website.

• For any purpose, we describe when you provide the information.

• To fulfill the purpose for which you provided the information.

• For any other purpose with your consent.

We may also use the information we have collected from you to help us display advertisements to the intended audiences of our advertisers. While we do not share your personal information for these purposes without your consent, if you click on or interact with an advertisement, the advertiser may infer that you meet their target criteria.

DISCLOSURE OF YOUR INFORMATION

We may disclose aggregated information about our users, as well as information that does not identify any individual, without restriction. Additionally, we may disclose personal information that we collect or that you provide as outlined in this privacy policy:

• To our subsidiaries and affiliates.

• To contractors, service providers, and other third parties we use to support our business, provided they are bound by contractual obligations to keep personal information confidential and use it only for the purposes we disclose to them.

• To a buyer or successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceedings, where personal information held by the Company about our website users is among the assets transferred.

• To third parties to market their products or services to you, if you have consented to such disclosures. We require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.

• To fulfill the purpose for which you provide it. For example, if you provide an email address to use the “email a friend” feature of our website, we will send the email content and your email address to the intended recipients.

• For any other purpose disclosed by us when you provide the information.

• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including responding to any government or regulatory request.

• To enforce or apply our terms of use and other agreements, including for billing and collection purposes.

• If we believe that disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This may include sharing information with other companies and organizations for fraud protection and credit risk reduction.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We aim to give you control over the personal information you provide to us. We have implemented the following mechanisms to help you manage your information:

• You can configure your browser to refuse all or some cookies or to alert you when cookies are being sent. To manage Flash cookie settings, visit the Flash player settings page on Adobe’s website. Please note that if you disable or refuse cookies, certain parts of this site may become inaccessible or may not function properly.

• We do not control how third parties collect or use your information for interest-based advertising. However, these third parties may offer options to opt out of having your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (NAI) by visiting the NAI’s website.

ACCESSING AND CORRECTING YOUR INFORMATION

You can contact us via email through our contact link to request access to, correct, or delete any personal information you have provided to us. Please note that we cannot delete your personal information without also deleting your user account. We may decline a request to change information if we believe the change would violate any law or legal requirement or result in inaccurate information.

If you delete your User Contributions from the website, copies of those contributions may still be viewable on cached and archived pages or may have been copied or stored by other users. The proper access and use of information provided on the website, including User Contributions, is governed by our terms of use.

YOUR CALIFORNIA PRIVACY RIGHTS

Under California Civil Code Section § 1798.83, California residents who use our website can request information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please reach out to us using the Contact Us link.

DATA SECURITY

We have put measures in place to protect your personal information from accidental loss and unauthorized access, use, alteration, or disclosure. However, the security of your information also depends on you. If we have provided you with a password (or if you have chosen one) to access certain parts of our website, it is your responsibility to keep this password confidential. Please do not share your password with anyone. Unfortunately, transmitting information over the internet is not entirely secure. While we strive to protect your personal information, we cannot guarantee its security when transmitted to our website. Any transmission of personal information is done at your own risk. We are not liable for any breaches of privacy settings or security measures on the website.

CHANGES TO OUR PRIVACY POLICY

Our policy is to update this page with any changes made to our privacy policy. If significant changes occur in the way we handle your personal information, we will inform you via email to the address registered in your account and/or through a notice on the website’s home page. The date of the most recent revision is listed at the top of this page. It is your responsibility to ensure that we have a current, active, and deliverable email address for you and to regularly check our website and this privacy policy for any updates.

CONTACT INFORMATION

If you have any comments or questions regarding this privacy policy and our practices related to privacy, please contact us via our Contact Us link.

Thank you for visiting our website.