Privacy Policy

Last modified August 13, 2020

PLEASE READ THIS Norcal Review PRIVACY POLICY (“PRIVACY POLICY”) WHICH IS PART OF THE Umb International TERMS OF USE (“TERMS OF USE”). ANY TERMS DEFINED IN THE TERMS OF USE SHALL HAVE THE SAME MEANING IN THIS PRIVACY POLICY. THIS PRIVACY POLICY PERTAINS TO YOUR ACCESSING AND USING THE SERVICE, INCLUDING BY DOWNLOADING OR USING THE WEBSITES, INCLUDING ALL CONTENT AVAILABLE THROUGH THE WEBSITES, OR THE APPS.

The Service is operated by Norcal Review (“We”, “Us”). This Privacy Policy describes the information collected during registration for and through Your use of the Service, how We use it, how We share it, how We protect it, and the choices You can make about Your information.

ATTENTION: PLEASE READ OUR PRIVACY POLICY CAREFULLY BEFORE DOWNLOADING OR USING THE SERVICE. DOWNLOADING OR USING THE SERVICE INDICATES THAT YOU ACCEPT AND AGREE TO BE BOUND BY THIS PRIVACY POLICY IN FULL. IF YOU DO NOT ACCEPT THIS PRIVACY POLICY, DO NOT DOWNLOAD OR USE THE SERVICE.

You acknowledge:

  1. that You have read and understood and agree to this Privacy Policy; and

  2. this Privacy Policy shall have the same force and effect as a signed agreement.

Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to this Privacy Policy.

Please review the Privacy Policy each time You use the Service. BY USING THE SERVICE, YOU AGREE TO BE BOUND BY THE MOST RECENT VERSION OF THE PRIVACY POLICY. 

 

Information We Collect

We collect information from You when You fill out a form in connection with using the Service. When calling us, Your telephone number and name may be collected.

When You register on the Websites or the Apps, we may collect any other information that You provide in the registration process.

When You register to pay for services or pay for services through the Websites or the Apps or person, We may collect Your name, billing address, shipping address, billing zip code, unique Customer ID, card number, card expiration date, CVV, tracking ID, stored value card number, PIN, email address, ID, and other information sufficient for our payment processor to process the transaction and provide fraud screening, information security, and compliance.

We may combine all of the information we collect from or about You and use it in the manner described in this Privacy Policy.

How We Use Your Information

We use the information that We collect for several purposes, including:

  • The purposes for which You provided it;

  • To provide services to You;

  • To provide user verification services;

  • To create or add to Your user profile or registered account;

  • To process and respond to Your inquiries and comments;

  • To send You information about Your relationship or transactions with us;

  • To personalize and enhance Your experience using the Service;

  • To send periodic emails;

  • To communicate with you regarding any transactions and send you information or request feedback about features on our website(s) and app(s) or changes to our policies;

  • Operate, understand, optimize, develop, or improve our sites, applications, products, services and operations, including by using guest survey research and analytics tools;

  • To process payment transactions (Your information will be used to submit Your payment information to our payment processor);

  • To display relevant advertising;

  • To prevent fraud and abuse of the Service and to otherwise protect users and visitors and our business;

  • To assist law enforcement and respond to subpoenas;

  • To administer, operate and improve the Service and for internal business purposes; and

  • To perform other business activities as needed, or as described elsewhere in this Privacy Policy.

How Your Information is Disclosed

Information may be disclosed to third parties in accordance with our Privacy Policy. For example, users may share location information with Facebook, Twitter, and other social media platform providers when You “check in” at any business. Please note that a user may choose not to share certain information as described in Your Choices Regarding Your Information below.

Third Party Service Providers and Business Partners. We may use third party service providers and business partners to perform functions in connection with the Service, such as credit card and other payment processing, site analytics and functions related to analyzing and improving the Service usefulness, reliability, user experience, and operation, advertising, storing data, providing users with products and services, and as otherwise described in this Privacy Policy. We also may share users’ personal information and activities, and other advertisers for their direct marketing and promotional purposes and so they can provide services to you. Any credit card information You provide through the Service may be stored by Priority Payment Systems, our credit card processor, and is processed offsite, transmitted through encrypted channels, and subject to Priority Payment Systems’ privacy policy, including in the case of breach of Priority Payment Systems data that are processed offsite and transmitted through encrypted channels.

Keep in mind that once we share your personal information with another business, the information received by the other businesses/companies, it is controlled by that business/company and becomes subject of their privacy practices. We do not control the privacy practices of other  businesses. Please contact the businesses directly if you want to learn about its privacy practices.

Business Changes. If We become involved in a merger, acquisition, sale of assets, joint venture, securities offering, bankruptcy, reorganization, liquidation, dissolution, or other transaction or if the ownership of all or substantially all of our business otherwise changes, We may transfer Your information to a third party or parties in connection therewith.

Affiliates. We may also share Your information with our affiliates for purposes consistent with this Privacy Policy. Our affiliates will be required to maintain that information in accordance with this Privacy Policy.

Investigations and Law. We may disclose information about You to third parties if We believe that such disclosure is necessary to:

  • Investigate fraud and abuse on the Service;

  • Take action regarding suspected illegal activities;

  • Enforce or apply this Privacy Policy or other agreements with us;

  • Comply with the law or guidance and cooperate with government or law enforcement officials or private parties;

  • Protect our rights, reputation, safety, and property, or that of users or others;

  • Respond to claims and legal process (for example, subpoenas); and/or

  • Protect against legal liability.

Aggregated Information. We may share aggregated information relating to users of the Service with affiliated or unaffiliated third parties. This aggregated information does not contain personal information about any user.

Analytics. We use third-party analytics tools to help us measure traffic and usage trends for the Service. These tools may use cookies and other technologies to collect information about Your use of the Service and Your preferences and dining activities. These tools collect information sent by Your device or the Service and other information that assists us in improving the Service. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand Your online activity.

We use Google Analytics and other third-party analytics providers to better understand who is using the Websites and App and how people are using them. These analytics providers use cookies, pixel tags and other technologies to collect and store information such as Website pages visited, places where users click, time spent on each Website page, IP address, type of operating system used, location-based data, device ID, search history, and phone number. We use this information to improve the Websites and as otherwise described in this Privacy Policy. Please see http://www.google.com/policies/privacy/partners/ for information about how Google Analytics uses this information, and visit https://tools.google.com/dlpage/gaoptout for information about the Google Analytics Opt-out Browser Add-on.

We also use Google Analytics and other third-party analytics providers in connection with our Apps. Google Analytics collects and stores information from users of the Apps, such as an identifier that helps Google determine which ads it has served to other mobile applications on your device, location-based data, IP address, type of operating system used, device ID, application pages visited, and time spent on each application page and in total. Google Analytics may track you over time and across websites or applications.

Cookies, Local Storage, and Other Tracking Technologies

Cookies are small files that a website or its service provider transfers to Your computer’s hard drive through Your Web browser (if You allow it) that enable the website’s or service provider’s system to recognize Your browser and capture and remember certain information. You can instruct Your browser to stop accepting cookies. But if You do not accept cookies, You may not be able to use all portions of all functionality of the Service.

  • Persistent cookies remain on the visitor’s computer after the browser has been closed.

  • Session cookies exist only during a visitor’s online session and disappear from the visitor’s computer when they close the browser software.

  • We may deliver advertisements to You. We may work with third-party advertising companies that help deliver these advertisements to You. To learn more about third-party online advertising and to opt out of certain types of advertising, please see http://www.networkadvertising.org/managing/opt_out.asp . Note that clearing cookies from Your browser will remove the above opt-outs because they are stored in cookies.

We use cookies on the Websites to help us understand and save Your preferences and interests so We can personalize Your future visits and compile aggregate data about website traffic and website interaction so that We can offer better website experiences and tools in the future.

Some of our business partners, such as our analytics providers, also use cookies on our Websites, some of which may track users across websites and over time.

Security

We implement a variety of security measures to protect the safety of Your personal information when You enter, submit, or access Your personal information. Please keep Your account password secure to help ensure the safety of Your personal information. Credit card information You provide through the Service is transmitted to our credit card processor, Priority Payment Systems, is processed offsite, and is transmitted through encrypted channels.

While We take reasonable measures to protect the information You submit via the Service against loss, theft and unauthorized use, disclosure, or modification, We cannot guarantee its absolute security. No Internet, email, or mobile application transmission is ever fully secure or error free. Email or other messages sent through the Service may not be secure. You should use caution whenever submitting information through the Service and take special care in deciding with which information You provide us.

We cannot guarantee that transmissions of your credit or debit card or personal information will be fully secure and that third parties will never be able to defeat our security measures or the security measures of our payment processors. WE ASSUME NO LIABILITY FOR DISCLOSURE OF YOUR INFORMATION DUE TO TRANSMISSION ERRORS, THIRD-PARTY ACCESS OR CAUSES BEYOND OUR CONTROL.

Data Retention Policy, Managing Your Information

We will retain Your information for as long as You use the Service and for a reasonable time thereafter. Please note that some or all of the information We have collected may be required in order for the Service to function properly.

Links to Other Websites or Applications

This Privacy Policy applies only to the Service. The Service may contain links to other websites or apps or may forward users to other websites or apps that We may not own or operate. The links from the Service do not imply that We endorse or have reviewed these websites or apps. The policies and procedures We describe here do not apply to these websites or apps. We neither can control nor are responsible for the privacy practices or content of these websites or apps. We suggest contacting these websites or app providers directly for information on their privacy policies. Nonetheless, we seek to protect the integrity of our Service, and welcome any feedback about these linked websites and mobile applications.

When You connect with Facebook, Twitter, and other social media platform providers – such as by posting Your location by “checking in” at a restaurant – Facebook, Twitter, and other social media platform providers may provide Norcal Review with information as described in Section I above.

Your Choices Regarding Your Information

You have choices regarding the use of information by the Service.

  • Changing Your Information – To change Your information, You may login to Your account’s control panel and go to the login page. If You are unable to log into Your account, please contact us at support@umbinternational.com.

  • Closing Your Account – You may close Your account by contacting us at support@umbinternational.com. If the email account associated with Your email address is not active, We may close Your account without notice.

Information Collected From Other Websites and Mobile Applications, and Do Not Track Policy

Through cookies We place on Your browser or device, We and our marketing partners may collect information about Your online activity after You leave the Service. Just like any other usage information We collect, this information allows us to improve the Service and customize Your online experience, and otherwise as described in this privacy policy. Your browser may offer You a “Do Not Track” option, which allows You to signal to operators of websites and mobile applications and services (including behavioral advertising services) that You do not wish such operators to track certain of Your online activities over time and/or across different websites and mobile applications and services. The Service does not support Do Not Track requests at this time, which means that We collect information about Your online activity both while You are using the Service and after you leave the Service.

Children

We do not knowingly collect personal information from an individual under age 13. If You are under the age of 13, please do not submit any personal information through the Service. If You have reason to believe that We may have accidentally received personal information from an individual under age 13, please contact us immediately at  support@umbinternational.com.

Terms and Conditions

Changes to Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time and from time to time. Please review this Privacy Policy periodically, and especially before You provide any information. This Privacy Policy was made effective on the date indicated above.

How to Contact Us

Please feel free to contact us by email at support@umbinternational.com or by writing us at (physical mailing address) if You have any questions about this Privacy Policy.

Your California Privacy Rights

Section 1798.83 of the California Civil Code permits California residents to request from a business, with whom the California resident has an established business relationship, certain information about the types of personal information the business has shared with third parties for those third parties’ direct marketing purposes and the names and addresses of the third parties with whom the business has shared such information during the immediately preceding calendar year. You may make one request each year by emailing us at  support@umbinternational.com or writing us at (physical mailing address).