Privacy Policy
- Visit our website at https://marketshepherd.com, or any website of ours that links to this privacy notice
- Engage with us in other related ways, including any sales, marketing, or events
- email addresses
- Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called “crash dumps”), and hardware settings).
- Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
- Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
- To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
- To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more. For more information see our Cookie Notice: https://marketshepherd.com/cookie-policy/.
- To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
- To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
- To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
- To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
- Ad Networks
- Cloud Computing Services
- Data Analytics Services
- Data Storage Service Providers
- Performance Monitoring Tools
- Sales & Marketing Tools
- Testing Tools
- Website Hosting Service Providers
- Affiliate Marketing Programs
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Category | Examples | Collected |
A. Identifiers | Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name | YES |
B. Personal information as defined in the California Customer Records statute | Name, contact information, education, employment, employment history, and financial information | NO |
C. Protected classification characteristics under state or federal law | Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data | YES |
D. Commercial information | Transaction information, purchase history, financial details, and payment information | NO |
E. Biometric information | Fingerprints and voiceprints | NO |
F. Internet or other similar network activity | Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements | YES |
G. Geolocation data | Device location | YES |
H. Audio, electronic, sensory, or similar information | Images and audio, video or call recordings created in connection with our business activities | NO |
I. Professional or employment-related information | Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us | NO |
J. Education Information | Student records and directory information | NO |
K. Inferences drawn from collected personal information | Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics | NO |
L. Sensitive personal Information | NO |
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
- Category A – As long as necessary
- Category C – As long as necessary
- Category F – As long as necessary
- Category G – As long as necessary
- Targeting cookies/Marketing cookies
- Beacons/Pixels/Tags
We have not sold or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. We have disclosed the following categories of personal information to third parties for a business or commercial purpose in the preceding twelve (12) months:
- Category A. Identifiers
- Category C. Characteristics of protected classifications under state or federal law
- Category F. Internet or other electronic network activity information
- Category G. Geolocation data
- Right to know whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request the deletion of your personal data
- Right to obtain a copy of the personal data you previously shared with us
- Right to non-discrimination for exercising your rights
- Right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California’s privacy law), the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (“profiling”)
- Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including California’s privacy law)
- Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including California’s privacy law)
California Privacy Policy
Last updated March 20, 2024
This California Privacy Policy contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to that law. Most of our data collection, use, and sharing practices are governed by our Gramm-Leach-Bliley Privacy Policy, however, if you are a California resident, CCPA may apply to our Services as they relate to business products featured on our site (for example, business credit cards and small business loans). This California Privacy Policy should be read in conjunction with the Market Shepherd Terms and Conditions, which are incorporated herein by reference.
A. Personal Information We Collect, Disclose for a Business Purpose, and Sell
We collect the categories of personal information about California consumers identified in the chart below and use and disclose to third parties this information for business or commercial purposes. In addition, as is common practice among companies that operate online, we allow certain third parties, including non affiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Site analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. The collection of information by some of these third parties may constitute a “sale” of personal information, as defined under the CCPA. Or, for more information about how to opt out of personal information sharing that constitutes a sale under the CCPA, please refer to the “Your Rights Regarding Personal Information” section below.
Categories of Personal Information | Categories of sources from which information is collected: | Business or commercial purposes for collection, use, and sharing: | Disclosed for business purposes to the following categories of third parties: |
---|---|---|---|
Personal and online identifiers such as first and last name, email address, or unique online identifiers | All categories listed below. | All purposes listed below. | All categories listed below. |
Characteristics of protected classifications under California or federal law (such as age or gender) | All categories listed below. | All purposes listed below. | All categories listed below. |
Commercial or transaction information such as financial products or services purchased or obtained from or through us | All categories listed below. | All purposes listed below. | All categories listed below. |
Internet or other electronic network activity information such as the websites you visit immediately before and after visiting our site and your interactions with our Services | All categories listed below. | All purposes listed below. | All categories listed below. |
Geolocation information | All categories listed below. | All purposes listed below. | All categories listed below. |
Professional or employment-related information | All categories listed below. | All purposes listed below. | All categories listed below. |
Education information | All categories listed below. | All purposes listed below. | All categories listed below. |
Inferences drawn from the above information about your predicted characteristics and preferences | All categories listed below. | All purposes listed below. | All categories listed below. |
Other information about you that is linked to the personal information above | All categories listed below. | All purposes listed below. | All categories listed below. |
B. Categories of Sources
We collect this personal information directly from you. We may also collect personal information about you (for example, information regarding how you interact with our Services) using automated tools as described elsewhere in this policy.
C. Why We Collect, Use, and Share California Information
We use and disclose the personal information we collect for our commercial and business purposes, as further described in this Privacy Policy.
Commercial purposes include, without limitation: marketing, advertising, authentication, identity resolution, fraud prevention, fulfillment services, and fulfilling the requests of our customers.
Business purposes, as identified in the CCPA, include: audits and related activities; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging services and systems; administrative and support services such as processing orders and payments and analytics; internal research and operations; activities to maintain and improve our Services; and other one-time uses.
We disclose the categories of personal information designated above to the following categories of third parties: service providers, lending partners, referral partners, joint marketing partners, credit reporting agencies, financial service aggregators, government entities, advertising networks, internet service providers, data analytics providers, operating system providers, professional services organizations, and social networks.
D. Your Rights Regarding Personal Information
California residents have certain rights with respect to the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:
- For certain categories of personal information, the right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
- The right to know the categories and specific pieces of personal information we collect, use, disclose and, if applicable, sell about you; the categories of sources from which we collected your personal information; our purposes for collecting or, if applicable, selling your personal information; the categories of your personal information that we have disclosed for a business purpose or, if applicable, sold; and the categories of third parties to whom we have disclosed for a business purpose or, if applicable, sold personal information.
- The right to request that we delete the personal information we have collected from you.
- The right to data portability, meaning you have the right to obtain and reuse personal data covered by the CCPA for your own purposes.
- The right to limit the use of your sensitive personal information to specifically permitted purposes.
- The right to correct inaccurate personal information we have on you.
- The right to opt out of our sale(s) or sharing of your personal information.
- The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
E. Our Retention of Your Personal Information
Unless you specifically ask us to delete your personal information, we retain your personal information as long as it is necessary to comply with our data retention requirements and provide you with the Services you have requested and successfully run our business. However, even if you request a deletion, we may be required to maintain your information for as long as necessary to:
- comply with our legal or regulatory compliance needs (e.g. maintaining records of transactions you have made with us);
- to exercise, establish or defend legal claims; and/or
- to protect against fraudulent or abusive activity on our Services.
This means we may keep different information for different periods. If your account is canceled because you’ve not used it in a long time, we may delete this information straight away.
There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your personal information from any further processing until such time as we are able to delete, anonymize, or de-identify it.
F. How to Exercise Your California Consumer Rights
To Exercise Your Right to Request, Know or Delete
To exercise your California consumer rights to request, know or delete, please visit our Privacy Policy page.
To Opt Out of Sales or Sharing of Personal Information
To the extent that the third-party information collection on the Site constitutes the sale or sharing of personal information, we provide you with instructions for how you can exercise your right to opt out of certain cookie-related collection and use practices.
On some of our websites, users can make choices regarding the use of cookies and related technologies through a cookie banner management tool. On all our other websites and digital properties, users can:
- Visit privacyrights.info to opt out from sales of this type of personal information by third-party businesses that participate in the DAA’s CCPA Opt-Out Tool, and
- Visit myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings” and toggle “Ad personalization” to OFF, and
To exercise any other CCPA rights, please visit our Privacy Policy page, or email us at info@marketshepherd.com with “CCPA Request” in the subject line and the relevant right identified in body of your request.
G. Verification Process and Required Information
Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. We will require you to provide information that we have on record for identity verification purposes. In certain circumstances, we may decline a request to exercise the right to know and/or right to deletion, particularly where we are unable to verify your identity.
H. Authorized Agent
You may designate an authorized agent to make a CCPA request on your behalf by writing to us at the contact information provided above. To the extent we are unable to verify your identity when you make the designation request, we may request additional information from you. Note, if designating an entity to act on your behalf, the CCPA requires that such entity must be registered with the California Secretary of State.
I. Minors’ Right to Opt-In
We do not sell the personal information of consumers we know to be under 16 years of age.
J. Small Business Loan Information
From time to time, you may provide us with your personal information for the purpose of requesting small business loans from one or more of our partners. You agree that the disclosure of your personal information in connection with your request is not a sale of your personal information under the CCPA