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Privacy Policy

1. Collection of Data
2. Use of Data We Collect
3. Sharing of Data
4. Your Choices
5. Special Notice for California Residents
6. Other Notices
7. Changes to This Privacy Policy
8. Contact Us

This Privacy Policy describes how the Black Business Coalition, LLC. (“we,” “us,” “our,” “BBC,” “Company”) collect, use, share, and protect Data in connection with the Company websites, mobile websites, mobile applications, browser extensions, and any related services that refer or link to this Privacy Policy (“Services”). Company is part of the Black Business Coalition, which includes the affiliates and subsidiaries of our parent company.

  1. Collection of Data

Sources of Collection We collect, process, and use Data about you when you:

  • Register for our Services
  • Interact with our Services
  • Install and/or access our Services through our application(s), including our mobile application and browser extension
  • Join to our Services through third parties, including social media accounts, email accounts, and business partners (described in Section 3 below)
  • Contact us for support
  • Enter a sweepstakes, contest, or promotion, or respond to a survey or poll

We collect certain Data when you submit or provide it to us directly. When you have installed our mobile application or browser extension, or when you interact with our Services online, we also automatically collect Data about you and your use of the Services through the use of log processes, cookies, location-identifying technologies, and other tracking technologies. Certain Data is collected about you from third parties, such as when you Join through a third-party service or business partner site.

Types of Data We May Collect

The types of Data we collect about you may include personal Data of the following types:

  • Identifiers that you provide us directly, such as your first and last name, postal address, email address, tax Data (for sweepstakes, contest, and promotion winners), and/or phone number
  • Identifiers collected through your use of the Services, such as unique online or device identifiers, IP address, device or session IDs and Data regarding your system configuration (operating system and version), network, and connected hardware (e.g., computer or mobile device and carrier)
  • Customer Record Data, such as payment account name, payment account number, payment card expiration date and billing address
  • Protected Classification Characteristics, such as your gender, age, household income, marital status, or your inclusion in any other classification protected under California law, only to the extent you provide this Data to us as demographic Data in a survey response that is identifiable to you
  • Commercial Data about you, such as records of products or services purchased, obtained, or considered by you, including products, merchants and coupons you searched for, viewed or clicked, product types, merchant sites visited from our Services, merchant types, transaction history related to our Services, purchase confirmation data, accrued cash-back, American Express Member points, and other loyalty currency
  • Internet and other Network Activity, such as your browsing and search history and your interactions with our sites and Services, including:
  • products, coupons, offers, or merchants you search, click, favorite, and/or view, including clicks you make on the merchant sites you visit within our mobile app;
  • URL’s of the pages you visit, including those tracked by our browser extension;
  • date and time stamps associated with such browsing, searches, and clicks;
  • click stream data, meaning the page by page clicks that you make as you navigate through our Services, including the web page visited before you came to our website; and
  • email Inbox Data (as defined in Section 2, below), if you elect to sign in or create your www.blackbusinesscoalition.com account with Google or separately link an email account to your www.blackbusinesscoalition.com account
  • Geolocation, to the extent you have configured your device to share such Data with us, and locale preferences for your use of the Services
  • Sensory-related Data, such as audio recordings of your voice to the extent you call us, as permitted under applicable law
  • Inferences drawn about you and your likely preferences, characteristics, behavior, and attitudes from any Data we collect about you.
  1. Use of Data We Collect

We use Data we collect about you for the following business and commercial purposes:

To Provide Our Services and Manage Your Account, including to

  • Process your registration with our Services, including verifying whether your email address is active and valid and enrolling you into our programs
  • Manage your account and interaction preferences, including tracking your favorite stores, merchants, and preferred locales and your transaction history
  • Facilitate and manage your purchase transactions or takeout orders
  • Deliver you rewards or payments and identify opportunities for rewards and/or offers
  • Send you technical notices, updates, security alerts and administrative messages
  • Provide you member services and support regarding your account and reply to your questions, comments, and requests

To Personalize and Improve Our Services

We may use Data we collect about you to create a profile of your preferences to personalize and tailor Services content so that it is more likely to be of interest to you. For example, we may use your most frequently visited stores or shopping history to display offers for similar stores in relevant parts of the Services or to present special offers that may interest you via our Services, including in-store.

If you elect to sign in or create your www.blackbusinesscoalition.com account with Google or separately link an email account to your Service account, we use the email content from your linked inbox(es) (collectively, “Inbox Data”) to personalize your experience with the Services and to confirm your eligibility for Cash Back faster and more reliably by identifying purchase or order confirmation Data therein. Our use of Inbox Data from your linked Gmail account shall be in compliance with the Google API Services User Data Policy, including the Limited Use requirements therein. You can change Inbox Data settings as provided in Section 4 (Your Choices).

We may also use Data we collect about you to identify usage trends and perform statistical analyses to improve our Services, websites, applications, marketing efforts, and the products and services of our business partners we recommend or offer, in order to provide a better service to you in the future.

To Provide You Marketing Data

With the exception of Inbox Data, Company may use Data we collect about you to provide you more personalized offers, special offers, discounts, and/or more relevant offers from our participating merchants via email and other direct communications, and through digital advertising. We may use your Data to directly send you email newsletters, rewards offers, discounts, promotion codes, events and general Data about the Services. You can manage these marketing information emails as provided in Section 4 (Your Choices) below. We may also use your Data (excluding Inbox Data) to advertise to you online, including targeting advertising to you on other websites. You can opt-out of certain uses of your Data for targeted online advertising as provided in Section 4 (Your Choices) or for California consumers, Section 5 (Special Notice for California Residents).

To Protect You, Others, and our Business

We may use collected Data to assess risk and to investigate and limit fraud, spam, and other malicious online activities in our Services, and to improve our security measures. We may also use collected Data to assert our legal rights or to defend our legal rights against third parties.

To Comply With Applicable Laws

We may use Data we collect about you to enable us to comply with applicable laws, rules, regulations, and judicial authorities in each geographical region in which we operate.

To Administer Contests, Sweepstakes, Surveys, Polls, and Promotions

From time to time, Company may invite you to enter various contests, sweepstakes, surveys, polls, and promotions. If you choose to participate in a contest or promotion, your personal Data may be used to administer the contest, such as to determine your eligibility for the contest or to award a prize. If you choose to participate in a survey or poll, the feedback you submit will be aggregated and deidentified to provide us insight on business and shopping trends.

To Administer Referral Programs

We may offer features that allow you to inform another individual about our Services. If you choose to use our referral features, we will ask for your referral’s email address to send them an electronic information inviting them to join our Services. We will store this Data for the sole purpose of sending this email and tracking the success of our referral program. If you choose to participate in our referral programs, you represent and warrant that you have a personal relationship with your referral and that you are authorized to share their Data with Company for the purpose of Company sending a information to invite them to join the Services. If you believe that one of your contacts has provided us with your personal Data through our referral service and you would like to request that it be removed from our database, please contact us at rewardsprivacy@blackbusinesscoalition.com.

  1. Sharing of Data

Disclosure for Business and Commercial Purposes.

We may disclose the below-specified categories of Data for our business or commercial purposes, including the following:

Disclosure to Our Service Providers

We may share all categories of your collected personal Data as necessary with our third-party service providers (which may include Company affiliates) who perform various business operations, solely for our benefit or on our behalf, under our instructions and in compliance with appropriate contractual, technical and organizational security measures to protect your data from unauthorized use, retention, or disclosure. For example, we may partner with other companies to provide you member support services, authentication services, prevent fraud on our Services, process payments, administer our promotions, referral programs, sweepstakes, and surveys, perform analytics, maintain the accuracy of our databases, deliver marketing and communications, limit delivery of repetitive or unnecessary marketing or communications, facilitate your gift card purchases, fulfill your product purchases, place and fulfill your takeout orders, and administer your rewards or payments.

Disclosure to Our Business Partners

We work with various types of third-party business partners to offer you our Cash Back shopping Services. We may share the following types of Data with the following types of Business Partners.

Affiliate Partners

When you click on a link to a merchant site presented on our Services to start your Cash Back shopping, you evidence your intent to interact with that business through our Services, and thereby are directing us to disclose certain Data about you (including the link you clicked in our Services and a unique ID assigned to track that your shopping originated from our Services) to an affiliate network to properly account for your purchases. For a small number of merchants that do not utilize an affiliate network, this Data is provided directly to the merchant. The Affiliate Partner will collect Internet and Network Activity Data (excluding any Inbox Data) about your use of our Services in relation to the merchant site, products, or offers. Our Affiliate Partners collect this Data to track the shopping trip, but certain of them may also use this Data to contribute it to their own user profiles and/or combine it with Data they collect elsewhere, which they may make available for use by their other clients business clients. In such case, our sharing with certain of these Affiliate Partners could be considered a “sale” of your personal Data as that term is defined in the California Consumer Privacy Act of 2018 (“CCPA”), and the opt-out we offer for California consumers in Section 5, below, would signal these Affiliate Partners to not collect or use your Data from our Services except as necessary to validate and provide your Cash Back.

In addition, to the limited extent that you are a California resident and we target direct marketing to you or personalize the offers you see in our Services based on the profile data we compile from your behavior tracked via our Services, for the direct benefit of a particular merchant, this marketing or personalization may be considered a “sale” of your personal Data under CCPA. In this circumstance, the opt-out we provide for California residents in Section 5, below, would cover this type of targeted marketing and personalization.

Referral Marketing Partners

In order to expand your options to sign up for our Services and start your Cash Back shopping from third-party sites where you learn about our Services, we contract with certain referral marketing business partners to enable that functionality, which may require that we share certain data about you with them. For example, if you are referred to our Services from a business partner’s websites, we may provide that partner with Data about your sign up to validate the referral and activate your Services account access from the partner’s site.

In addition, we may share Data about whether you have made a purchase with us recently and whether you have installed our mobile app or browser extension so that the partner can personalize their email and site content to you. For California residents, this Data sharing about your behavior in our Services may be deemed a sale, so we provide an opt-out opportunity in Section 5, below.

If you signed up for cash back through our parent company, Black Business Coalition LLC. (“Black Business Coalition”), we may share certain transaction Data with CashBack.BlackBusinessCoalition.com so that you can view your rewards summary on www.cashback.blackbusinesscoalition.com. We may also place a cookie on your device so that you can continue your cash back shopping through www.cashback.blackbusinesscoalition.com without having to sign in to our Services each time. For more Data on how Black Business Coalition processes personal Data, please visit www.blackbusinesscoalition.com/privacy-policy.

Financial Partners

For the purposes of providing you additional redemption options for your Cash Back and to market our co-branded credit cards to you, we may share your collected Data, including Identifiers with financial business partners, which may include the Black Business Coalition. If you select loyalty points or other alternative methods of receiving your Cash Back, you are directing us to share your personal Data, as necessary, with the relevant financial partner to facilitate that transaction. If you indicate that you would like to receive Data about our co-branded credit cards from our financial partner(s), you are also directing Company to provide your Data to such third parties to enable them to provide that Data.

To the extent we share personal Data about you with our financial partners in order to facilitate their marketing purposes, this could be considered a “sale” of your personal Data for California residents, and you may opt-out of this targeted marketing in Section 5, below.

Disclosure to Digital Advertising Providers

To provide us with advertising and marketing services, we partner with certain third parties that automatically collect Internet and Network Activity Data about your use of the Services, such as your browsing history, IP address, pages viewed, and links clicked, so that they can use this Data to serve you ads for our Services on other sites. These third parties may also use this collected Data to draw inferences about you for their own purposes, or collect personal Data about your online activities over time and across different websites (in addition to our Services) to help predict your preferences and to display (and enable other third parties to display) ads to you that are more likely to be of interest to you. Note that this Privacy Policy covers only our use of data and does not include use of data by such third parties. If you wish to opt out of interest-based advertising, please visit http://www.aboutads.info/choices/. For California residents, the sharing of your Data with certain third parties for the purposes of online targeted advertising may be considered a “sale” of your personal Data per the CCPA, of which you can opt-out in Section 5, below.

Disclosure to Other Black Business Coalition Companies

We work closely with our affiliated businesses and companies within the Black Business Coalition and share your personal Data for our internal business administration. Some of our Service Providers and Business Partners with whom we share personal Data, as described above, may include other Black Business Coalition Companies. In addition, we may also share Data in the categories of Identifiers (email address), Commercial Data (product metrics), and Internet and other Network Activity (except Inbox Data) with our affiliates within the Black Business Coalition for those corporate affiliates to analyze and monitor usage and trends to improve their services and websites and for strategic planning purposes at the Black Business Coalition. Our opt-out and delete request functionality will serve to remove you from this sharing.

The Black Business Coalition also aims to provide you with a unique service experience through the “BBC ID”. BBC ID is a unified program that allows you to easily Join other Black Business Coalition services by a single log-in function, share your account Data and join a loyalty program with the Black Business Coalition companies jointly participating in the BBC ID program. Your data will only be shared if you chose to Join to another BBC ID service. By Joining to another BBC ID service, you direct the BB ID services to share your data for the purposes explained in our joint privacy policy. We share your account credentials and profile Data (username, email address, encrypted password) and related personal identification (first and last name and address) and payment Data stored in our Services with the BBC ID services. This service is jointly provided by the BBC ID Services as directed by you, if you sign up with another BBC ID Service. As long as you do not Join to another Black Business Coalition service, your identifiers (username, email address, encrypted password, first name, last name and address) are shared only with our parent company, Black Business Coalition, LLC., for the purposes of operating our authentication service. If you are Joined to another service with a BBC ID account and wish to delete other BBC ID accounts, please reach out to member services at memberservices@blackbusinesscoalition.com for a list of other BBC services associated with your BBC ID. Member services can also provide you contact information to reach out to other Black Business Coalition Services.

Disclosure for Legal Purposes

We may share the Data we collect, including personal Data, to the extent permitted by applicable law, (i) in response to subpoenas or other legal processes or if, in our good faith opinion such disclosure is required or permitted by law without a specific disclosure; (ii) at the request of governmental authorities conducting an investigation; (iii) to enforce our terms and conditions or other policies applicable to our Services; and (iv) to protect the rights, property, life, health, security and safety of Company or any third party.

In Relation to Business Asset Transfers

We may share the Data we collect, including personal Data, with any third party in connection with, or during confidential negotiations of, any proposed or actual merger, purchase, sale (including a liquidation, realization, foreclosure or repossession) or any other type of acquisition of all or any portion of Company assets, conveyance or transfer of all or a portion of our business to another company. In such event, the acquiring company would be contractually required to use your collected Data in accordance with this Privacy Policy and applicable law or to provide prior notice to you of any new or materially changed practices.

In addition to the above listed disclosures, we may also share aggregated or de-identified Data that cannot reasonably be used by recipients to identify you.

  1. Your Choices

Updating Account Data

We encourage you to maintain the accuracy of the Data you submit to us. You may provide account updates by logging into your Service account and updating your Data in the Settings.

Communications Preferences

Email Marketing

By signing up for an account, you may receive periodic electronic communications and direct mailings from Company. You can opt out of receiving promotional information from us at any time by following the instructions provided in those communications to stop them, modifying the settings of your account, or contacting us through the Services. Please note that even if you opt out of receiving promotional information, we may continue to send you non-promotional emails and other types of information, as permitted by law, such as service emails relating to our ongoing business relationship. Service emails contain service-related announcements that affect your account, such as product order confirmations, reward or payment updates, and responses to your comments and feedback submitted to us.

Mobile Application Notifications

When using our mobile application, your preferences for receiving push notifications and other mobile alerts can be configured in the settings of your mobile device. When using our browser extension, you may turn off certain notifications via the Settings of the browser extension.

SMS Messaging

We may offer you the ability to sign in to our services via your mobile number. If you elect to provide us a mobile number and consent to receive certain messaging, we may use SMS messaging to contact you when you make account updates, to provide you updates on your customer support tickets, and for account recovery purposes. You may opt out of such messages by removing your mobile number in your account preferences or replying STOP to any incoming messages.

Data Collection and Sharing Preferences

You may in some cases have the option to decline to provide us with certain Data; however, your choice may impact your use of certain features or services for which that Data is a necessary component.

Inbox Linking

You may unlink an email account from the Service by updating or switching off the connection in your account settings. If you unlink your email account from the Services, we will no longer collect Inbox Data.

Mobile App/Browser Extension

You can prospectively stop all collection of Data by our mobile application and/or browser extension by uninstalling our mobile application and/or browser extension. Because the browser extension and mobile application permit data about your online behavior on that device or browser to be collected when installed, even without interaction, they must be uninstalled to withdraw your consent to this data collection. In some instances, you can opt out of certain data collection by updating your Settings within the browser extension or your mobile device settings.

  1. Special Notice for California Residents

This section applies only to California Residents. Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), if you are a California resident, you have certain rights in relation to your personal Data, subject to certain exceptions.

Right to Know and Access:

You have the right to know the personal Data we collected, used, disclosed for a business purpose, and sold about you during the preceding 12 months, including the categories of sources from which we acquired your Data and the categories of third parties to whom we disclosed your Data for a business purpose or sold your Data. General Data about the personal Data we collect, use, disclose and sell and the purposes of collection, use and disclosure is set forth in Sections 1-3 of this Privacy Policy.

For Data we collected that is specific to you, you have the right to request in writing from us a copy of the:

  • Categories of Data we have collected about you over the preceding 12 months
  • The specific pieces of personal Data we have collected about you (note that we will not provide any sensitive personal Data we may hold in response to this type of request).
  • The categories of sources from which we collected that Data
  • For what purpose or use we collected that Data about you
  • The categories of third parties with whom we shared your personal Data, including
  • If we disclosed your personal Data for a business purpose, which categories of Data we disclosed to which categories of recipients, and
  • If we sold your personal Data, which categories of your personal Data we sold to which categories of recipients.

Right to Request Deletion:

You have the right to request that the Company delete any personal Data we have collected from you or maintain about you, subject to certain exceptions. If you request that we delete your personal Data, we will do so except to the extent we determine that we need the Data for a business purpose and have a legal right to maintain it, in which case we will inform you of that legal exception.  (Click Here To Delete Your Data)

Right to Opt-out of Sale of Your Personal Data:

To the extent that we receive monetary or other valuable consideration for sharing or providing access to Data about you with our merchant partners, third parties or affiliates in order to provide you rewards and benefits and for our targeted marketing purposes, the CCPA may deem this a “sale” of your personal Data. You have a right under California law to opt-out of our “sale” of your Data in this way. If you would like to exercise your right to opt-out of having your personal Data shared in this way, please click the following link if you are not a member: DO NOT SELL MY PERSONAL DATA. If you are a member please visit our Privacy Preference Center, located at: https://cashback.blackbusinesscoalition.com/do-not-sell-my-data/ to exercise your data privacy rights. Please note that to the extent you opt-out we may be unable to offer you some of our services which require such sharing. If you have further questions, you can contact us at: rewardprivacy@cashback.blackbusinesscoalition.com.

Right to Non-Discrimination:

We will not discriminate against you for exercising any of your CCPA rights.

Unless otherwise permitted by the CCPA, we will not do any of the following because you request to know, access, or delete your Data or opt out of its sale:

  • deny you goods or services
  • charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties
  • provide you a different level or quality of goods or services, or
  • suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services

How To Exercise Your CCPA Rights to Know, Access, and Request Deletion:

To assert your CCPA privacy rights please go to our Privacy Center at https://www.cashback.blackbusinesscoalition.com/privacy-preferences.htm. To verify your identity, we will ask you to first login to your account in order to reach the Privacy Center, and then to obtain a verification code from the email address associated with your account. If we cannot verify your identity from the Data we have on file, we may request additional Data from you, which we will only use to verify your identity, and for security or fraud-prevention purposes.

Agents.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal Data. For any agent making a request on your behalf, we may require you to provide proof that you authorized this agent to submit a request on your behalf or that he or she has power of attorney in connection with your request to know, access or delete your personal Data, and we may require you to independently verify your identity or log in to your account to provide the access code.

Please note that we are not required to respond more than twice per calendar year to requests to know/access your personal Data.

  1. Other Notices

Shine the Light.

California law permits residents of California to request certain details about how their Data is shared with third parties for direct marketing purposes. We do not share your Data with third parties for their direct marketing purposes.

Do Not Track.

Company does not currently take actions to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to monitor and review new technologies and will modify this policy accordingly in the event of a change.

Notice regarding Data of minors.

This site and any related services are intended for adults 18 years of age or over, and we do not knowingly collect or sell personal Data of consumer under 16 years of age without affirmative authorization or without verifiable opt-in consent from a parent for those under age 13.

Retention of Data.

We may retain Data about you for as long as it is necessary to fulfill the purposes described Section 2. Some of your Data may be retained in our systems even after you request your Data to be deleted in order to comply with our obligations under applicable law, collect fees owed, resolve disputes, enforce our legal rights, otherwise use internally in a lawful manner that is reasonably aligned with the expectations of the consumer or compatible with the context in which the Data was provided, and to undertake any investigations necessitated by the foregoing.

Data Security.

We have implemented technical and organizational measures to provide a level of security appropriate to the risk to the Personal Data that we process. These measures are aimed at preserving the ongoing integrity and protecting the confidentiality of users’ Personal Data. We evaluate these measures on a regular basis to confirm that they continue to maintain and apply an appropriate level of security.

  1. Changes to This Privacy Policy

This Privacy Policy is current as of the effective date set forth below. Company reserves the right to change this Privacy Policy from time to time consistent with applicable privacy laws and principles. If we make changes to this Privacy Policy, we will notify you by revising the date on this Privacy Policy. In some cases, we may provide you with additional notice (such as adding a statement to the homepages of our Services or sending you an email notification).

  1. Contact Us

If you have any questions regarding this Privacy Policy, please feel free to contact us by email at rewardsprivacy@cashback.blackbusinesscoalition.com or by mail at 6148 Elm Street, Mclean, VA 22101-0033, Attn: BBC CashBack Rewards Legal.

Updated: February 10, 2021

 

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