When you access or use the Services, we may collect information that identifies you (“Personal Information”), and we may also collect information that does not identify you (“Anonymous Information”). We obtain information about you in a range of ways.
Information You Provide to Us
In general, you may visit the Website or download the Silvur Mobile App without telling us who you are or sharing any Personal Information with us. When you register for an account for the Services (an “Account”), use other aspects of the Services, or communicate with us for customer service or technical support for the Services, we may ask you to provide certain Personal Information, such as your name, email address, postal address, mobile number, demographic information (such as your occupation, gender, race, or nationality), Taxpayer Identification Number and financial account information. Additionally, if we are required by law to send to you and file certain forms with tax authorities, we may ask you to provide us or our service provider certain Personal Information. We may also ask you whether you want to receive text messages relating to the Services. By providing your mobile phone number, you expressly consent to receive text messages from us relating to the Services at that number. Third-party data and message fees may apply. You may decline to provide certain Personal Information to us, but, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.
Information Collected from Devices
When you access or use the Platform or Services via a computer or mobile device, including, without limitation, a desktop computer, laptop, mobile phone, tablet, or other electronic device (each, a “Device”), we may collect information from your Device, such as your Device type and manufacturer, your Device operating system and version, your mobile carrier, your Device identifiers, your mobile phone number, your IP address, your location, your browser type, your network connection type, information about the webpage that referred you to the Website or that you visited prior to the Website, and your behavior and activity on the Website and the Silvur Mobile App.
In addition, if you download the Silvur Mobile App to your mobile Device, we may collect information from your mobile Device about your location while you are accessing or using the Silvur Mobile App and while you are not accessing or using the Silvur Mobile App. We may use this information to provide targeted offers to you and notify you of nearby third-party locations where you may use the Services. You may opt out of the collection of location data at any time by changing your settings on your mobile Device. However, if you do so, certain features of the Services may not be available to you or the performance of certain features of the Services may be limited or not work at all.
Finally, we may generate analytics based on your preferences, characteristics, use, and interactions with the Platform and Services. Our Services may then analyze such data and generate derivative data or aggregated data as well as reports and other output.
Information Collected by Cookies and Tracking Technologies
Pixel tags, also known as “web beacons” or “clear GIFs,” are small electronic images, often a single pixel, that may be placed on users’ hard drives. We and our advertising partners may use pixel tags to conduct analytics on the Platform; to provide online advertising, including targeted advertising; and to determine the effectiveness of our advertising campaigns. If you use a mobile device to access our Platform or Services, we may automatically record the Advertising ID (if you are using an Android device) or your Advertising Identifier (if you are using an iOS device) for advertising or analytics purposes. Your device settings may allow you to opt out of tracking using Advertising IDs or Advertising Identifiers.
In some of our email messages to you, we may use “click-through URLs” linked to content on the Website or the Silvur Mobile App. We track click-through data to help us understand and analyze interest in topics and use of the Services.
Information From Others
In general, we collect, use, store, and process your information to provide, enhance, and improve our Platform and Services, to develop new services, and to market our companies and the products and services we offer.
Here are some examples of how we use the information submitted, collected, received, or generated about you:
To the extent that you share your User Content through the Platform with our other users or public forums on the Platform, that User Content also may be shared by us with other users, larger groups of users, and/or the public in general.
If you wish to subscribe to updates, news feeds, or other materials we may distribute, we will use your name and email address to send these materials to you. Out of respect for your privacy, you may choose to stop receiving our materials or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at firstname.lastname@example.org.
In order to provide the Services and in connection with our everyday business purposes and activities, we may share your Personal Information with third parties who perform services on our behalf. Examples of these third parties and services include consumer identification verification services, public accounting firms and other professional firms, and certain other vendors and service providers who perform marketing, advertising, research, and analytics services on our behalf. We may also disclose your information to other third-party financial institutions (for example, if you ask to transfer assets from Silvur to another financial institution).
We may also share your Personal Information with our partners when you ask for their services. We may give you opportunities to interact with third party partners through our Services, such as when we provide you with the opportunity to review and send your Personal Information to a partner in order to pre-populate your application on the partner’s site, when we send your Personal Information to partners in order to generate offers for you to review, when we send your application information directly to our partners, or when we send you to a partner’s site for you to provide the information directly to them. In some cases, if you click through to go to a partner’s site, you will automatically be sending your Personal Information to that partner. When this happens, you will still have to submit your application on the partner’s site. Remember that any information you provide to the partner, whether through us or on your own, will be subject to their privacy practices and terms and conditions.
We may allow third-party service providers to display advertisements to our users on third-party websites based on your browsing history by using cookies or other tracking technologies. For example, we may use Facebook’s advertising services, including Facebook’s Custom Audiences service, to target our advertisements to you. To learn more about Facebook Custom Audiences, including how to opt-out, click here, and to learn about Facebook’s advertising in general, including how to opt-out, click here.
To find out more about online advertising and your choices related to such advertising, including retargeted ads, please visit the Network Advertising Initiative ("NAI") website and the Digital Advertising Alliance (“DAA”) website. You can opt out of such online based advertising by following the instructions below. Please note that the opt-out will apply only to the specific browser or device from which you opt out, and therefore you will need to opt out separately on all of your browsers and devices. If you delete or reset your cookies or mobile Advertising IDs or Advertising Identifiers, change browsers, or use a different device, any opt-out cookie or tool may no longer work, and you will need to opt out again.
We share Personal Information among our affiliates and business units when we believe it will help enhance the Platform or Services we can provide, but only in circumstances where such sharing conforms to the law, any applicable confidentiality agreements, and our policies and practices.
Finally, we may disclose Personal Information in specific other cases with your consent or per your instructions.
Silvur is focused on protecting your information. We employ physical, technical, and administrative safeguards to keep your information secure. We use robust, industry-standard browser encryption; store all of your data on servers in secure facilities; and implement systematic processes and procedures for securing and storing data. We limit access to your Personal Information to only those employees with authorized access who need to know the information in order to perform their jobs. Furthermore, if you choose to close your Account or your account is terminated with us, we will continue to adhere to the privacy policies and practices outlined here. If you maintain an Account with us that you access through our Platform, you are responsible for protecting and maintaining the confidentiality of your Account and password and restricting access to your computer. While Silvur follows generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it, no method of transmission over the Internet, or method of electronic storage, is 100% secure and we cannot guarantee its absolute security.
If the Personal Information on file for you changes, or if you no longer desire access to our Platform or Services, you may update your information by contacting us at email@example.com.
We allow you to close your Silvur account. In the Silvur mobile app, you may go to your profile and select “Delete my account”. If you access Silvur via the website, you can email firstname.lastname@example.org and request for your account to be deleted. Please note that we retain information on deleted accounts as required for legal, regulatory and security purposes.
Our Platform and Services may contain links to, interoperate with, and allow you to share content to and from third party services, websites, and applications. The fact that we link to a website, service, or application or allow you to share content with or through these third parties is not an endorsement, authorization, or representation that we are affiliated with that third party, nor is it an endorsement of their privacy or information security policies or practices. Other websites, services, and applications follow different rules regarding the collection, use, storage, or disclosure of personal and other information. We encourage you to read the privacy policies or statements of the other websites, services, and applications you use.
If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.
How We Respond to Do Not Track Signals
At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. Please note that blocking cookies may affect your browsing experience on many sites and may limit your ability to use certain features of our Services, including many of the personalized features we provide for our users.
How You Accept This Policy
Changes to the Policy
Our Policy Toward Children
In order to use the Platform and other Services you must represent and warrant that you are over the age of 18 in the sign-up process. Children under the age of 18 are not eligible to use the Services and must not attempt to sign-up with the Services and/or submit any Personal Information to us. We do not knowingly collect Personal Information from any person who is under the age of 18 or allow them to register. If it comes to our attention that we have collected Personal Information from a person under the age of 18, we will delete this information as quickly as possible, subject to our legal and/or regulatory obligations. If you believe we might have any personal information from or about a child under the age of 18, please contact us at email@example.com.
Limitation of Liability