The Quality Home Services Privacy Policy

Last updated: January 1, 2020

At Quality Home Services or “QHS”, we recognize that earning and retaining your trust is one of the most important things we do as a business. Protecting your privacy is a responsibility we take very seriously.

There are two parts to this Privacy Policy. The first part is an overall discussion to help you understand how QHS collects, uses and seeks to safeguard the personal data you provide to us on our websites, mobile applications, via email, texting or telephone calls, and through our service providers and distribution partners.

The second part is a specific discussion of some of these same issues, but also explains your rights as a California resident under the California Consumer Privacy Act (“CCPA”) and discusses certain additional disclosures and rights.

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third party, including any third-party finance companies, suppliers, manufacturers, web site operators, or any third party operating any site to which our websites contain a link. By downloading, accessing or using our websites or content on our websites, or using any electronic application on a mobile phone, tablet or similar device ("Device") to purchase any QHS product or seek third-party financing for any purchase from QHS, or providing information to us in connection with any such transaction or any of our websites, mobile applications or other sites or services, you acknowledge that you have read and understood the terms and conditions of this Privacy Policy.

Who We Are

Since 1985 we have been providing quality products and quality service - offering water treatment, solar power and generator services to our friends and neighbors in Fresno, Bakersfield, Castroville and surrounding communities. Quality matters to us, it is our commitment to provide a better community by helping one family at a time to have a comfortable and efficient home. The business started out by providing a cleaner, safer source of water with award-winning Rainsoft products and has expanded its household services to include a complete line of efficient and environmentally friendly products to allow your family peace of mind.

• QualityHomeServices.com (together with any other QHS-branded websites) is our flagship website, where we make available our complete range of products and services directly to consumers.
• At QHS we also work with affiliates, distributors or suppliers. These are companies that may manufacture, distribute, finance and install our products and services to consumers, and may also host our internet web sites and provide us information on consumers interested in our products and services. Some of those affiliates have their own individual websites.

If you provide personal data directly to our affiliates, distributors or suppliers, the terms of their respective privacy policies will apply to such disclosures. You should carefully review the privacy policies of the affiliate partner, distributor or supplier prior to providing personal data to such third parties.

QHS Privacy Policy – Part 1

Collection of your personal data

In the course of our business, we collect and process personal data in different ways. We may collect personal data you give us directly but we also collect data from how you interact with our services, for example by using cookies on this website. We may also receive personal data from third parties.

The personal data we collect about you may include, but is not limited to: your name, email address, postal address, phone number, billing information, survey responses and other information you may provide about yourself to our site, your IP address and web browser software.

You can choose not to provide personal data to us, but in general some personal data about you is required in order for you to receive relevant offerings from QHS and its partners.

• Information that you provide to us: We receive and store any personal data you enter on our websites or give us in any other way. For example, in order to purchase products or services, it is necessary for you to disclose personal data, including your name, address, email address, phone number, credit card details and other personally identifying information. If you complete any sort of credit application with a third-party to finance a purchase of QHS products and services, we may see that information as well.
• Information about others: You may have the opportunity to provide contact information for other people through our websites. If you "Refer a Friend" or if you purchase products or services for someone else through QHS, you will need to submit that individual's personal data. You must obtain the consent of other individuals prior to providing us with their personal data.
• Information from Other Sources: We also may periodically obtain personal data about you from affiliated entities, business partners and other independent third-party sources and add it to other information about you. For example, if you visit QHS by "clicking through" from a site operated by one of our business partners, and you have registered with that partner, then personal data about you that you have provided to that partner may be shared with us, such as contact information and demographic information. As another example, if you access third party services, such as social media services, through our website or before coming to our website, we may collect information such as your user name and other information made available to us through those services. We will work with our existing partners and potential future partners to improve and personalize your use of our website in accordance with the practices outlined in this Privacy Policy.
• Automatic Information: We automatically collect certain information from your computer or mobile device when you visit our website or any of our affiliates' web pages that are hosted by us. For example, we collect your IP address, web browser software, and referring website. To help us analyze the usage of our websites and related services, and to send more relevant communications to you, we also collect and keep track of your online activity at our website, such as content viewed and pages visited.

How we use your personal data

We use the personal data that we collect about you only for specific purposes. This includes, but is not limited to offer our products and services to you, to manage any purchase you have made with us (such as warranty services we may provide you), including your access to and use of our website and to publish any reviews, ratings and photos, communicate with you about your account and experiences with us or use of our site and services, to respond to, or follow up on, your comments and questions, and otherwise provide customer service, notify you about changes to our terms or this Privacy Policy, ask you to leave a review or take a survey, operate and improve our site and services, personalize your experience on our site, measure interest in and improve our site and services, notify you about promotions and special offers, to let you partake in a prize drawing, competition or complete a survey, protect, investigate and deter against fraudulent, unauthorized or illegal activity, administer and protect our business and to resolve disputes or troubleshoot problems.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Where we need to perform the contract we are about to enter into or have entered into with you.
• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
• With your consent.
• Where we need to comply with a legal or regulatory obligation.

Marketing

We may call, text, email or send to you marketing messages with information about QHS deals and product news, offers and other special promotions that we believe that you will find valuable, interesting or informative.

You will receive marketing messages from us if you have given your consent, if you have requested them, or if you purchased goods or services from us and you have not opted out of receiving marketing messages.

If you are no longer interested in receiving future marketing communications from QHS, you have several choices for opting out, you may unsubscribe at any time by following the directions and link included in each email marketing message we send or by writing to us with your request (our contact information is set forth further below in this Privacy Policy).

Please note that, even if you opt out of receiving future marketing communications from QHS, we will continue to contact you regarding your purchases and regarding administrative and service-related information such as warranty servicing and installation scheduling. We reserve the right to send you other non-marketing communications, including service announcements, administrative messages, and surveys relating either to your QHS account, without offering you the opportunity to opt out of receiving them.

With whom we share your personal data

We may store the personal data and submissions you make to QHS (your "Content") and share it with our affiliates, distributors or suppliers, and use it for promotional purposes. QHS may share your personal data with other parties, including service providers who work on behalf of us. If we sell or divest our business or any part of it, and your personal data relates to such sold or divested part of our business, or if we merge with another business, we will share your personal data with the new owner of the business or our merger partner, respectively. If we are legally obliged to do so, we will share personal data to protect our customers, the site, as well as our company and our rights and property.

• Social Media Services. If you connect to QHS using Facebook, we may show you reviews, photos and comments that your Facebook friends have posted, shared, saved or purchased on QHS. Note that, if you have Facebook friends who are using QHS, they may also share personal data about you with us through Facebook. If you wish to prevent that sharing, please review your Facebook privacy settings. You may also be able to choose to access third-party social media websites and services through QHS (such as Facebook and Twitter). When you do so, you are sharing personal data with those sites, and the personal data you share is governed by their privacy policies. You may also be able to modify your privacy settings with these third party social media websites.
• Service Providers. Some of the personal data we collect is shared with service providers (our affiliates, distributors or suppliers) who are directly involved in fulfilling the purchases you have made from us. We only provide our service providers with the necessary information (e.g., your name, address for installation work, your local phone number, your mobile phone number, etc.).
• Third Party Vendors. We may also share your personal data with third party vendors who provide services or functions on our behalf, including business analytics, payment processing, customer service, marketing, public relations, distribution of surveys or sweepstakes programs, and fraud prevention. We may also authorize third-party vendors to collect personal data on our behalf, including, for example, as necessary to operate features of our websites or to facilitate the delivery of online advertising tailored to your interests. Third-party vendors have access to and may collect personal data only as needed to perform their functions and are not permitted to share or use the personal data for any other purpose. We currently contract with several third-party online partners to help manage and optimize our internet business and communications. We use the services of third-party marketing companies to help us measure the effectiveness of our advertising and how visitors use our website.
• Referring Websites. If you were referred to QHS from another website, we may share your registration information, such as your name, email address, mailing address, telephone number and home remodeling and improvement preferences, about you with that referring website. We have not placed limitations on the referring websites' use of personal data and we encourage you to review the privacy policies of any website that referred you to QHS.
• Companies within our Corporate Family. We may share your personal data within the QHS group of companies as well as our parent company. This sharing enables us to provide you with information about QHS products and services which might interest you. To the extent that our parent company and corporate affiliates have access to your personal data, they will follow practices that are at least as restrictive as the practices described in this Privacy Policy. They also will comply with applicable laws governing the transmission of promotional communications and, at a minimum, give you an opportunity in any commercial email they send to choose not to receive such email messages in the future.

We may also share or disclose personal data if we believe, at our sole discretion, this to be necessary:

• to comply with legitimate and enforceable subpoenas, court orders, or other legal process; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us;
• to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of QHS, our users, or others; and in connection with our Terms of Use or other agreements, including with our partners or suppliers;
• following a corporate transaction, such as divestiture, merger, acquisition, consolidation or asset sale, or in the unlikely event of bankruptcy;
• with law enforcement agencies and other governmental bodies (if we are legally obliged to do so).

We also may share aggregate or anonymous information with third parties, including advertisers and investors. For example, we may tell our advertisers the number of visitors our website receives or the most popular products we sell. This information does not contain any personal data and is used to develop content and services we hope you will find of interest.

How long will we retain your personal data

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure or your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

Cookies and other web technologies

We collect personal data via cookies and similar technologies. "Cookies" are pieces of information that are stored by your web browser on your computer's hard disk, for record-keeping purposes. Cookies contain basic information about your Internet use, but they do not normally identify you personally. Your browser sends these cookies back to us every time you revisit our web site, so it can recognize your computer or mobile device and personalize and improve your site experience. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

By continuing to use our websites, you consent to our use of cookies. You can find more information about cookies in general, including how to see what cookies are installed on your (mobile) device and how to manage and delete them on www.allaboutcookies.org and http://www.youronlinechoices.com/.

Please note that if you choose to delete QHS cookies, your access to some functionality and areas of our website may be degraded or restricted.

How we protect your personal data

At QHS we seek to maintain the integrity and security of your personal data. We have implemented and maintain appropriate physical, administrative, technical, and organizational measures to protect the personal data you provide us against unauthorized or unlawful access, use of disclosure, and against accidental loss, damage, alteration or destruction.

We seek to store your personal data in secure operating environments that are not accessible to the general public, and to have security measures in place at our physical facilities to protect against the loss, misuse or alteration of your personal data by our employees or third parties.

However, no data transmission over the internet or data storage environment can be guaranteed to be 100% secure, so we cannot give an absolute assurance that the personal data you provide to us will be secure at all times. QHS will rely on you telling us if you experience any unusual events that may indicate a breach in your information security. We will then seek to investigate whether this was related to the data transmissions from or to QHS and let you know what steps can be taken and have been taken to help rectify the problem.

External Links

Our site may include links to third party sites, plug-ins and applications. If you access other sites from the links provided on our site, the operators of these sites may be able to collect or share information about you. This information will be used in accordance with their privacy policy, which may be different from our Privacy Policy. We do not control these third-party websites and recommend that you review the privacy policies posted on these third-party websites in order to fully understand their procedures for the collection, use and disclosure of personal data.

QHS Privacy Policy – Part 2

California Consumer Privacy Act Privacy Statement (“CCPA Statement”)

This second part of our Privacy Policy supplements the information contained above and applies solely to visitors, users, and others who reside in the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Your rights under CCPA

As of January 1 2020, California law permits residents of California to request certain details about how their personal information is shared with third-parties or affiliated companies for direct marketing purposes. In the first part of our Privacy Policy we explained how QHS collects, uses and seeks to safeguard the personal data you provide to us on our websites, mobile applications, via email, texting or telephone calls, and through our service providers and distribution partners.

Understanding Personal Information under CCPA

Under the CCPA, we want to clarify to you that we collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device. This information is called “personal information” under CCPA.

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, like:
• health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
• personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

How We Collect Personal Information

We obtain certain categories of personal information (listed as A though K, below) from certain sources:

• Directly from our customers. For example, in order to purchase products or services, it is necessary for you to disclose personal data, including your name, address, email address, phone number, credit card details and other personally identifying information. If you complete any sort of credit application with a third-party to finance a purchase of QHS products and services, we may see that information as well.
• Directly and indirectly from activity on our website (www.QualityHomeServices.com ). For example, from submissions through our website portal or website usage details collected automatically.
• From third-parties that interact with us in connection with the services we perform. For example, if you visit QHS by "clicking through" from a site operated by one of our business partners, and you have registered with that partner, then personal data about you that you have provided to that partner may be shared with us, such as contact information and demographic information. As another example, if you access third party services, such as social media services, through our website or before coming to our website, we may collect information such as your user name and other information made available to us through those services. We will work with our existing partners and potential future partners to improve and personalize your use of our website in accordance with the practices outlined in this Privacy Policy.

In particular, here are examples of categories of personal information from consumers, and we have noted which categories we have collected from consumers within the last twelve (12) months:

Category

Examples

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

YES

D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

YES

E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, face prints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

NO

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

YES

G. Geolocation data.

Physical location or movements.

NO

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

NO

I. Professional or employment-related information.

Current or past job history or performance evaluations.

NO

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

NO

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

NO

Use of Personal Information under CCPA

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, most commonly this would be to fulfill your interest in, or purchase of, QHS products and services.
• To provide you with information on QHS products or services that you request from us.
• To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• To improve our website and present its contents to you.
• As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information under CCPA

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose (using the listed A though K categories from above):

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.

Category D: Commercial information.
 

We disclose your personal information for a business purpose to the following categories of third parties:

• Our affiliates.
• Service providers, such as individuals and companies that may manufacture, distribute, finance and install our products and services to consumers, and may also host our internet web sites and provide us information on consumers interested in our products and services.
• Third parties to whom you authorize us to disclose your personal information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold any personal information. “sold” means the disclosure of personal information to a third-party for monetary or other valuable consideration. We do not consider personal information as “sold” if, as discussed above, it was disclosed for a business purpose to those individuals and companies that were necessary to fulfill your transaction with us, such as to sell or install our products and services to you.

Your Rights and Choices under CCPA

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Understand and Receive Your Specific Information 

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• Sales of personal information, identifying the personal information categories that each category of recipient purchased; and
• Disclosures of personal information for a business purpose, identifying the personal information categories that each category of recipient obtained.

Right to Opt-Out of Sales of Your Specific Information

You have the right to request to opt out of our sale of your personal information to third-parties for their direct marketing purposes. This means that, if you opt out, going forward, we will not share your information with such third-parties to use for their purposes unless you later direct us to do so.

Right to Delete Your Specific Information 

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
4. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
5. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
6. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
7. Comply with a legal obligation.
8. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Your Rights

To exercise your rights described above, please submit a verifiable consumer request (which we explain below) to us by either:

• Calling us at (800) 985-8103 Ext. 110
• Completing the online CCPA Personal Information Request Form

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For example, we will not provide social security numbers, driver’s license numbers or government issued identification numbers, financial account numbers, passwords or security questions and answers, or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.

For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• 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.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We know that our business will continue to evolve, and, as such, from time to time this Privacy Policy may be reviewed and revised. QHS reserves the right to change this Privacy Policy by posting the changes on its website. You can determine when this Privacy Policy was last updated by reviewing the Last Updated legend stated at the top of this Privacy Policy and any revisions will take effect upon posting. We will notify our members of material changes to this Privacy Policy by either sending a notice to the email address you provided to us or by placing a notice on our website. We encourage you to check this Privacy Policy from time to time to review the most current version.

Contact Information

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Quality Home Services
Attn: Privacy Officer

4936 E Ashlan Ave, Suite A

Fresno, CA 93726

(800) 985-8103 Ext. 110

Email: privacy@qualityhomeservices.com

You also have the right to lodge a complaint to the supervisory authority about the way we process your personal data. We would, however, appreciate the chance to deal with your concerns before you approach the supervisory authority, so please contact us in the first instance.

If you contact us by phone, the conversations may be recorded. You will be notified of these recordings at the beginning of the call. We use these recordings to improve the quality or compliance of our customer service, to verify the accuracy of the information you provide, to ensure prevention of fraud and to train our teams. We keep these recordings for as long as necessary, and then erase them. Your personal data collected during a call is processed in accordance with the provisions of this Privacy Policy.