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Protect your loved ones while you can. Compare life insurance plans and find one right for you. Make fixed and easy payments.
listo! was founded to help millions of hardworking, underserved Hispanic families achieve a brighter future by empowering them with life-changing, smart financial solutions.
We focus on three key aspirational needs: (1) to build credit (2) to protect assets with affordable transparent insurance and (3) to achieve the American dream by investing in the things they care most about; such as college savings and retirement accounts.
Effective Date: April 4, 2017
This Privacy Policy is intended to explain the types of information Listo Unlimited (“Company”) and its affiliates (“Company Group”) collects on Company Group websites, interactive services, email programs and mobile device applications (collectively, the “Website”). Please read this Privacy Policy carefully to get a clear understanding of how we collect, use, share, protect or otherwise handle your personal information in connection with your use of our Website. This Privacy Policy also explains how you can opt out of some of our uses and disclosures of your information.
By using our Website, you consent to this Privacy Policy as it may be amended from time to time, and you agree that it governs your use of our Website and any dispute concerning the Website. Please take a few minutes to read and accept this Privacy Policy before registering for or accessing our Website.
If you have any questions or concerns or complaints about our Privacy Policy or our data
collection or processing practices, or if you want to report any security incidents to us,
please contact us at the following address or phone number:
Listo Unlimited Inc.
1177 S. King Road
San Jose, CA 95122
(408) 493-6497
privacy@listofin.com.
Your Consent to Communications:
By providing your contact information to us, you consent to receive email messages, text messages, phone calls, faxes and postal mail, including that of a promotional nature, from the Company Group at the contact information you provide. Messages may be generated by an automated mechanism. You are not required to agree to this in order to purchase goods or services from us. You represent that you are legally competent and have legal authority to form a contract and provide this consent with respect to the contact information you provide. You may not consent on behalf of someone else or provide someone else’s contact information. We will obtain the date, time and content of your messages to us.
You may elect to no longer receive promotional communications, and any communications to your mobile device, by contacting us at privacy@listofin.com or using the unsubscribe link at the bottom of each email message.
If we believe that the security of your personal information in our care may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we will endeavor to notify you as promptly as possible under the circumstances. If we have your email address, we will notify you by email. You consent to our use of email as a means of such notification. If you prefer for use to use the U.S. Postal Service to notify you in this situation, please email us at privacy@listofin.com .
Reasons We Collect Your Information:
We collect your personal information because it helps us deliver a superior level of customer service, is necessary to fulfill requests for information or to provide requested services, and assists in the management of our business. We use your personal information to provide our services and to improve those services and our Website, to tell you about offers we think you will value, to customize the content you see and to conduct market research, which we may describe when we collect the information and, in certain cases, request your consent.
Information Collected Through Use of Our Website:
The information we gather through our Website falls into two categories: (1) information you voluntarily supply to us when you request information about an offering, to initiate transactions, such as making a purchase, request support, participate in promotions or surveys, submit comments or questions or otherwise communicate with us or our contractors, (2) information collected automatically as you use our Website.
Registration and Other Personally Identifying Information.
Personal information is information that can be used to identify you as an individual or allow someone to contact you. We may collect personal information about you when you register to use certain features of our Website, subscribe to a newsletter, fill out a form or otherwise enter information on our Website. When you do so, we may collect personal information, including your name, postal address, email address, phone number, location, user name and password, reminder questions and answers and communication preferences, such as which newsletters you would like to receive. In addition, when you request certain offerings we make available, we may need to check your credit history, which means we may request your social security number and date of birth. Finally, if you purchase certain products or services from us, we may collect information regarding your credit card or other payment information, employment and income information and/or your financial account status and balance.
Information Collected Automatically When You Use the Website.
The Company Group or third-party contractors we engage in support of our business may collect certain information automatically when you use our Website, including but not limited to:
When you order via our Website, we may use a third-party payment processor to collect all information necessary to complete the transaction, including your name, credit card information and billing information. We do not store this information on our servers, but this information is processed through our third-party payment provider.
When you send and receive MMS, SMS or other messages with the Company, we will collect the content of those messages, including any photos, files, text and other content you send or transmit or receive in order to provide the Services. We retain information on your behalf, such as files and messages that you store on our Website. If you provide us feedback or contact us via e-mail, we will collect your name and e-mail address, as well as any other content included in the e-mail, in order to send you a reply.
When you participate in one of our surveys, we may collect additional profile information. We also collect other types of personal information that you provide to us voluntarily, such as the information you provide when you contact us regarding support for the Website.
Personalization and Tracking Technologies.
Like most website and mobile application operators, we, or third parties acting on our behalf, use embedded scripts, "cookies", web beacons and other tracking technologies to operate, analyze and improve our Website and tailor content to user interests. Third-party companies that provide some of the tools and features accessible through our Website also may use tracking technologies to collect information about your use of our Website.
Cookies.
Cookies are small files stored on your computer or device that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow). Cookies enable the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity in order to provide you with improved services. We also use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.
You can set your browser to accept or reject most cookies, or to notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.) It is up to you to decide whether to allow us or third parties to set cookies, but if you block cookies, you may not be able to view or access some of the features of our Website. However, you can still create an account. Please be aware that certain browsers cannot block or delete so-called "Flash" cookies, which use a feature of the Adobe Flash video player to store information on your computer. For information about how to delete Flash cookies, please visit the Adobe website.
Web Beacons and Other Tracking Technologies.
Web beacons (sometimes called "transparent GIFs," "clear GIFs," or "pixel tags") are small strings of code that embed a small graphic image (usually invisible) on a web page or in an email or advertisement. When your browser downloads a web beacon, the server that sends the corresponding image to your browser can recognize and store certain types of information such as cookies previously set, the time and date that you viewed the page embedded with the beacon and a description of that page.
Information You Provide to Facebook and other Social Networking Sites.
The Website may allow users to connect Facebook or other social network service (SNS) accounts to the Website. When you click on “Connect with Facebook,” or a similar connection on another SNS, you will be prompted to enter your SNS credentials or to “Sign Up” for the SNS. By proceeding, you are allowing the Website to access your information and you are agreeing to the Facebook or other SNS’s Terms of Use in your use of the Website. We may receive information from Facebook or another SNS to make it easier for you to create an account on the Website. Any information that we collect from your Facebook or other SNS account may depend on the privacy settings you have with that SNS, so please consult the SNS’s privacy and data practices.
Security of Credit Card and Bank Account Information.
For online payments and/or Automated Clearing House (ACH) payouts, we may use the payment services of Braintree, a service of Paypal, Inc. (https://www.braintreepayments.com) and/or Stripe, Inc. (https://www.stripe.com). We do not process, record or maintain your credit card or bank account information. For more information on how payments are handled, or to understand the data security and privacy afforded such information, please refer to Braintree’s terms at https://www.paypal.com/us/webapps/mpp/ua/privacy-full and Stripe’s terms at https://stripe.com/us/privacy.
Information Collected from You About Others:
Email Invites.
If you decide to invite a third party to create an account, we will collect your and the third party’s names and e-mail addresses and/or phone number in order to follow up with the third party. We rely upon you to obtain whatever consents from the third party that may be required by law to allow us to access and upload the third party’s names and e-mail addresses as required above. You or the third party may contact us at privacy@listofin.com to request the removal of this information from our database.
Information We May Obtain From Other Sources:
We may combine any information collected through our Website with other information that we obtain about you, your computer, and/or device from other companies and sources, including third-party data suppliers and public databases. The following are examples of information we may collect from other sources:
How We Use The Information We Collect:
Our primary goals in collecting information are to provide you with our products and services, answer your questions, provide support and customize your experience when using our Website to make it more valuable to you. We only use payment and identity verification information as necessary to complete a particular transaction, including payment, provide a requested service, enforce legal rights or comply with applicable law.
In addition, we and our authorized service providers generally use other information that we or they collect about you to:
How We Disclose Information:
Except as otherwise expressly noted herein or on our Website, we may share any personal information collected through our Website with our service providers and with carefully selected third parties who may market related products and services that we believe may interest you. We may share your personal information:
We will not publicly post or publicly display in any manner your social security number (a) unless authorized or required to do so by specific or federal state law or regulation or (b) for internal verification or administrative purposes. We may disclose your social security number to our third party service providers who obtain your credit history for us, help us collect unpaid amounts due, and extend credit to you.
Your non-personally identifiable information may be provided to other parties for marketing, advertising, or other uses without notice.
Legal Compliance, Business Transfers and Other Disclosures.
Notwithstanding anything to the contrary stated herein or on our Website, we may occasionally release information about users of our Website when we deem such release appropriate to comply with law, respond to compulsory process or law enforcement requests, or protect the rights, property or safety of our customers or prospective customers, the public, the Company Group or any third party. Over time, we may reorganize or transfer various assets and lines of business. Notwithstanding anything to the contrary stated herein or on our Website, we reserve the right to disclose or transfer any information we collect to third parties in connection with any proposed or actual purchase, sale, lease, merger, foreclosure, liquidation, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of the Company Group.
Call Recording:
When you speak with our customer service call center, your calls may be recorded for quality assurance, training, and verification purposes. By speaking with our call center, you consent to this.
Your Opt-Out Choices:
You have the right to limit some, but not all, sharing of certain personal information by Company. You have the right to prevent the specific Company Group entity from whom you obtain directly our products and services and/or to whom you have provided directly personal information from sharing your personal information, directly or through any affiliate, with nonaffiliate third parties:
Our “affiliates” include all entities within the Company Group other than the specific Company Group entity from whom you obtain directly our products and services and/or to whom you have provided directly personal information. “Nonaffiliates” are companies not within the Company Group; they may include both financial and nonfinancial companies.
To exercise your rights under this Section and limit our ability to share your personal information:
When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Do Not Track.
We do not respond to “do not track” signals or similar mechanisms – where a visitor to the Website requests that we disable the collection of information about the visitor’s online activities, including navigation around our Website. We may also permit third parties to collect aggregate usage information on our website, and they may also not respond to “do not track” signals.
How to Correct or Update Your Information:
Please send us an email at privacy@listofin.com .
How We Protect Information:
The Company Group uses commercially reasonable procedures to protect the personal information that we collect from you against loss, theft and misuse, as well as unauthorized access, disclosure, alteration and destruction. We have developed and implemented and continue to maintain and monitor a written information security program applicable to all records containing personal information. This security program is appropriate to the size, scope and type of our business, the resources available to us, the amount of stored data and the need for security and confidentiality of the personal information we store. Our Website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular Malware Scanning.
No security system is impenetrable. We cannot guarantee the security of our databases or the security during transmission to us of the information you supply over the Internet. You can help us by taking precautions to protect your personal information when you are on the Internet. Change your passwords often using a combination of letters and numbers and make sure to use a secure web browser.
For the purposes set out in this Privacy Policy, personal information may be transferred to, processed, stored and accessed by us, our affiliates and our unaffiliated service providers in the United States and in other jurisdictions where we or they operate. Courts and other authorities in these jurisdictions may, in certain circumstances, be entitled to access your personal information. By using the Website, you consent to this transfer, processing, storage and access of your personal information in and/or outside of the jurisdiction in which you reside.
Children Under 13:
The Company Group cares about protecting the privacy of children. We will not specifically market to or knowingly collect personal information from children under 13 for marketing purposes. Because some information is collected online, it may not appear to be the personal information of a child under 13. If a child under 13 submits personal information to us and we learn that the personal information is the information of a child under 13, we will attempt to delete the information as soon as possible. If you are under 13, please do not register for any of our services or provide us any information about yourself (such as your name, email address or phone number).
California Online Privacy Protection Act
As required by the California Online Privacy Protection Act (“California Act”) and the California Business and Professions Code, this Privacy Policy identifies the categories of personally identifiable information that we collect through our website about individual consumers who use or visit our website and the categories of third-party persons or entities with whom such personally identifiable information may be shared.
Depending on the visitor’s activity at our website, certain “personally identifiable information” (as that term is defined in the California Act) may be collected, in addition to information set forth in other sections of this document. For purposes of the California Act, the term “personally identifiable information” means individually identifiable information about an individual consumer collected online by us from an individual and maintained by us in an accessible form, and may include any of the following: (1) a first and last name; (2) a home or other physical address, including street name and name of a city or town; (3) an email address; (4) a phone number; (5) a social security number; (6) any other identifier that permits the physical or online contacting of a specific individual; and (7) information concerning a user that the web site collects online from the use, and maintains in personally identifiable form, in combination with an identifier described within this Privacy Policy.
See “Your Opt-Out Choices” and “How to Correct or Update Your Information” above for a description of the process maintained by the Company for an individual consumer who uses our Website to review and request changes to any of his or her personally identifiable information that is collected through our website.
See “Changes to Our Online Privacy Policy” below for a description of the process by which we notify consumers who use our Website of material changes to our privacy policy.
See more about the California Act at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf.
Your California Privacy Rights:
Pursuant to California Civil Code Section 1798.83, if you are a California resident, you have the right to request and receive, once a year and free of charge, information about third parties to whom we have disclosed certain types of personal information (if any) about you for their direct marketing purposes in the prior calendar year, and a description of the categories of personal information shared. To make such a request, please send an email to privacy@listofin.com and please include the phrase “California Privacy Request” in the subject line, the domain name of the website you are inquiring about, along with your name, address and email address. At our option, we may respond to such requests by providing instructions about how our users can exercise their options to prevent our disclosure of personal information to third parties for their direct marketing purposes. These instructions can be located above in the sections of our Online Privacy Policy titled "How We Disclose Information” and “Your Related Opt-out Choices.”
Your CAN SPAM Act Rights:
The CAN-SPAM Act sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to prevent receipt of emails, and spells out penalties for violations.
Reasons We Collect Your Email Address.
We collect your email address in order to:
We agree to the following with respect to our use of your email address:
Your Rights Under CAN-SPAM.
You can unsubscribe from receiving future emails by following the instructions at the bottom of each email you receive from us. We will promptly remove you from all correspondence.
Changes to Our Online Privacy Policy:
The Company Group reserves the right to revise, amend or modify this policy at any time and in any manner. When we change the policy in a material way a notice will be posted on our Website along with the updated privacy policy. Your use of our Website after such changes are implemented constitutes your acknowledgement and acceptance of those changes. Please consult this privacy statement prior to every use for any changes. Unless otherwise noted, all changes will be effective when posted.
Exclusions:
This Privacy Policy does not govern the collection use or sharing of data by third parties or websites that may be linked to a Company Group website nor does it cover any information that may be collected by a third party in connection with a product or service provided by a third party even if you request information regarding such product or service on a Company Group website.
Contacting Us:
If there are any questions regarding this Privacy Policy you may contact us using the information below.
Email: privacy@listofin.com
Phone: (408) 493-6497