Privacy Notice for California Residents

Last Updated: July 26, 2023

• Privacy Notice for California Residents: This Privacy Notice supplements the information provided in Real Time Media Corporation Privacy Policy available on the website Realtimemediacorp.com (the “Site”). The Site is owned and operated by Real Time Media Corporation (“Company,” “we,” “us,” or “our”). This Privacy Notice specifically applies to residents of California (“Users”) and is adopted in accordance with the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant California State privacy laws. Any terms defined by the CCPA carry the same meaning in this Privacy Notice. If you require this Privacy Notice in an alternative format due to a disability, please contact us at support [email protected] or send us U.S. mail to 1712 Pioneer Ave. suite 1098, Cheyenne, WY 82001.

Access to Specific Information and Data Portability Rights

• You possess the right to request that we disclose certain information to you concerning our collection and utilization of your personal information within the last twelve (12) months. Upon receipt and verification of your verifiable User request, we will provide you with the following:
• The categories of personal information we collected about you.
• The categories of sources from which we collected your personal information.
• Our business or commercial purpose for collecting or selling that personal information.
• The specific pieces of personal information we collected about you (also known as a data portability request).
• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists disclosing:
  • sales, identifying the categories of personal information purchased by each category of recipient;
  • disclosures for a business purpose, identifying the categories of personal information obtained by each category of recipient.

Exclusions from Personal Information

• Personal information does not encompass the following:
  • Publicly available information obtained from government records.
  • De-identified or aggregated User information.
  • Information that falls outside the scope of the CCPA, including:
    • 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 protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Empower Your Opt-Out Choice

• We respect your right to opt-out of the use of your personal information. To exercise this right, kindly submit a verifiable User request via either of the following means:
• Email us at: [email protected]
• Send us U.S. mail to: 1712 Pioneer Ave. suite 1098, Cheyenne, WY 82001
• We will endeavor to act on all opt-out requests as soon as practically possible, and in any event, within fifteen (15) days from the receipt of your request.

Access, Data Portability, and Deletion Rights

• If you wish to exercise your access, data portability, and/or deletion rights as outlined above, please submit a verifiable User request using one of the following methods:
  • Email us at [email protected]; or
  • Send us U.S. mail to: 1712 Pioneer Ave. suite 1098, Cheyenne, WY 82001
• Only you or an individual registered with the California Secretary of State and authorized by you can make a verifiable User request concerning your personal information.
• You may make a verifiable User request for access or data portability up to two times within a 12-month period.
• To ensure a successful request, provide sufficient information that allows us to reasonably verify your identity or the authorized representative’s identity.
• Describe your request in detail so that we can properly understand, evaluate, and respond to it.
• If we cannot verify your identity or the request’s relevance to you, we will be unable to fulfill your request or provide personal information.
• Note that creating an account with us is not required to make a verifiable User request.
• Personal information provided in a verifiable User request will be used solely for identity verification or authorization purposes.

Sources of Personal Information

• Our sources of the listed personal information categories include:
  • Directly from our Users, such as through online registration forms submitted in relation to the products and/or services available on the Site.
  • Indirectly from our Users, which may involve information collected while providing them with products and/or services.
  • Directly and indirectly from activity on the Site, encompassing browser types (e.g., Safari, Chrome, Internet Explorer), IP addresses, operating systems (e.g., Windows or iOS), and Internet Service Provider domain names. Additionally, certain Site usage details and analytics are collected automatically by us and our third-party partners, including Google® and Hotjar®.
  • Through interactions on our social media accounts, such as Users’ comments and likes on our posts.
  • Directly from Users via online registration forms used to participate in promotions or sweepstakes featured on the Site.
  • From third parties involved in interactions related to the products and/or services we offer to our Users. For example, third-party entities assisting with direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

Empowering Your Choices and Rights

• If you are a California resident, the CCPA affords you particular rights pertaining to your personal information. This section elucidates your CCPA rights and provides instructions on how to utilize them.

Our Policy on Sharing Personal Information

• We are committed to not sharing, renting, and/or selling your personal information with/to third parties or affiliate marketers for marketing purposes.

Use of Personal Information

• We may use or disclose the collected personal information for one or more of the following business purposes:
  • To fulfill or meet the reason for which the information is provided. For instance, using personal information to provide requested quotes or information about mortgage-related products and services featured on the Site.
  • To provide you with information, products, or services that you request from us.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in sweepstakes or promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages about certain Company products and/or services, as well as third-party products and/or services, that we believe may interest you.
  • To deliver relevant Site content and advertisements and measure the effectiveness of the advertising we serve to you.
  • To carry out our obligations and enforce our rights arising from contracts between you and us, including the Site’s Terms and Conditions.
  • To improve the Site and present its contents better to you.
  • For customer service purposes and to respond to your inquiries.
  • For testing, research, analysis, and product development.
  • To protect our rights, property, or safety, and that of our clients or others.
  • To respond to law enforcement requests and comply with applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise stated 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, in which personal information held by us is among the transferred assets.

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

Request for Deletion

• You have the right to request the deletion of any personal information we collected and retained from you, subject to certain exceptions. Upon receipt and verification of your verifiable User request, we will delete (and instruct our service providers to delete) your personal information from our (their) records, unless an exception applies.
• We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise fulfill our obligations under our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if your deletion may render the research impossible or seriously impair its achievement, provided you previously provided informed consent.
  • Enable solely internal uses that align with User expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device (“personal information”). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

General Privacy Policy:

Last Updated July 26, 2023

Realtimemediacorp.com (the “Website,” “we,” “our,” or “us”) places a high value on your privacy and encourages you to go through our privacy policy. By visiting this website, you are indicating your agreement to the practices described in this Privacy Notice.

• What This Privacy Policy Covers:
  • This policy covers the treatment of personal information collected and received by the website, including data related to your previous use of our products and services. Personal information comprises details that can personally identify you, such as your name, address, email address, IP address, or phone number, and is not publicly available.
  • This policy does not extend to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

Changes to this Privacy Policy

• Policy Updates: We reserve the right to update this policy. In the event of significant changes in the way we handle personal information, we will notify you through a notice sent to the primary email you provided or by displaying a prominent notice on our site.

Confidentiality and Security

• Ensuring your privacy, we restrict access to your personal information to employees whom we reasonably believe need it to provide products or services or carry out their job functions.
• Our physical, electronic, and procedural safeguards are designed in accordance with federal regulations to safeguard your personal information.

Information Sharing and Disclosure

• Information You Give Us: Whenever you provide information on our website or through other means, we receive and store it. While you have the option not to disclose certain details, doing so may limit your access to many of our features. The information you share is used for purposes such as responding to your requests, personalizing your future shopping experiences, improving our stores, and maintaining communication with you.
• Automatic Information: Whenever you interact with us, we receive and store certain types of information. Similar to many websites, we use “cookies,” and this site obtains certain types of information when your Web browser accesses it.
• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, postal mail and email communications, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and customer service. While they have access to the personal information required for their tasks, they may not use it for other purposes.
• Subpoenas and Legal Process: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.
• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before such transfer takes place and your information becomes subject to a different privacy policy, we will notify you.

GDPR and CASL Compliance

• Regrettably, we are not in a position to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations afford certain rights to their citizens that differ from those in the United States. For this reason, we are unable to accept registrations from any citizen outside the United States. Our services are specifically designed for United States citizens. To the extent of our knowledge, we have purged all data concerning European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please inform us at [email protected].

Information Collection and Use General

• Upon registration, the website collects personal information from you.
• During registration, we ask for your name, address, phone number, email address, and zip code. After completing the registration and accessing our services, you are no longer anonymous to us.
• We gather information concerning your transactions with us, including the usage of our offered financial products and services.
• Automatically, the website receives and records information from your browser through our server logs, including your IP address, cookie data, and requested pages.
• We utilize the collected information for the following general purposes: fulfilling your product and service requests, enhancing our services, contacting you, and conducting research.
• We retain the right to send you specific communications related to our services, such as service announcements, administrative messages, special offers, and a website Newsletter.
• We guarantee that your email address and other personally identifying details will never be sold or rented to third-party commercial entities or affiliate marketers. Your personal information may be used to communicate with you about offers from the website. Additionally, you may receive certain communications regarding our services, such as service announcements, administrative messages, special offers, and a Newsletter.

Do Not Track Browser Settings

• Be aware that advertisers have the capability to collect data regarding your online browsing activities and use it to display targeted advertisements, which is known as “behavioral advertising.” To avoid seeing targeted ads, you have the option to submit opt-out requests to the respective service providers. However, please note that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. You can choose to opt-out of behaviorally targeted ads anytime by clearing your browser’s cookies.

Cookies

• To enhance Web Site and Systems Administration, we may set and access cookies on your computer.
• Cookies, which are alphanumeric identifiers, are transferred to your computer’s hard drive through your Web browser. They enable our systems to recognize your browser and facilitate the storage of items in your Shopping Cart between visits.

Terms of Service

Last Updated: July 26, 2023

Detailed Wireless and SMS Policy

• This SMS service may obtain data from you, including your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
• In addition to any fee you are notified of, your provider’s standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.
• All charges are billed and payable to your mobile service provider. We are not responsible for delays in the receipt of SMS messages, as delivery is dependent on effective transmission by your network operator.
• SMS message services are provided on an AS IS basis.

• We may use personal information to deliver the services you requested, including customized content and advertising.
• We may also utilize personal information for auditing, research, and analysis to enhance our technologies and services.
• When we engage third parties to assist with processing your personal information, we ensure they comply with our Privacy Policy and appropriate confidentiality and security measures.

• You have the option to remove your information from our database.
• If you choose to remove your information, it will no longer be used for secondary purposes by us or used by us or third parties to send promotional correspondence.
• To remove your information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• If you have any questions or wish to opt-out of any communication (phone, email, SMS, or otherwise), please contact us at [email protected] or send us a letter to 1712 Pioneer Ave. suite 1098, Cheyenne, WY 82001.

Non-Discrimination

• We respect your CCPA rights and will not discriminate against you in any way for exercising them.
• We will not deny you goods or services based on your choices.
• There will be no differential pricing, rates, or penalties for goods or services.
• We will not provide a different level or quality of goods or services based on your CCPA rights.
• We will not suggest any change in price, rate, level, or quality based on your exercise of CCPA rights.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site’s homepage.

Wireless and SMS Policy

• We may utilize personal information to provide the services you requested, including delivering customized content and advertising.
• For our confirmation and subsequent SMS correspondences, your provider’s standard messaging rates will apply, in addition to any relevant fees you were notified of.
• To opt-out and remove your SMS information, simply respond to the SMS text message you received with “STOP,” “END,” or “QUIT.”
• If you decide to remove your SMS information from our database, it will no longer be used for secondary purposes, nor will it be used by us or third parties to send promotional correspondence.

Response Timing and Format

• We strive to respond to all verifiable User requests within forty-five (45) days of receipt.
• If more time (up to ninety (90) days) is needed, we will provide you with a written explanation for the delay and extension period.
• We will deliver our response either by mail or electronically, as per your preference.
• Disclosures will only cover the twelve (12) months preceding the receipt of your verifiable request.
• The response will also include reasons if we cannot comply with a request, if applicable.
• For data portability requests, we will choose a readily useable format to provide your personal information, allowing seamless transmission to another entity.

• We do not charge a fee to process or respond to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If we determine a fee is necessary, we will provide you with a cost estimate and explain the reason for the decision before fulfilling your request.

Contact Information

• If you have any questions, comments, or inquiries about this Privacy Notice, our Privacy Policy, the handling of your personal information, your California rights, or wish to exercise your rights under California law, please don’t hesitate to contact us.
• You can reach us via email at: [email protected]
• You can also contact us by sending U.S. mail to: 1712 Pioneer Ave. suite 1098, Cheyenne, WY 82001