Privacy Policy

This is the privacy policy (“Privacy Policy”) that governs how we, Silver Spring Research Inc. (“NestBucks”, “we”, “our” or “us”), use Personal Information (defined below) that we collect, receive, and store about consumers (individuals who seek or acquire, by purchase or lease, any goods, services, money, or credit for personal, family, or household purposes) in connection with the use of: (i) the website NestBucks.com, and any other website that we operate (each, together with its subdomains, content and services, a “Site”); and (ii) any other service we provide (“Service”). The Site and the Service are individually and collectively referred to herein as the “Services”.

1. Introduction. We have implemented this Privacy Policy because your privacy, and the privacy of other users, are important to us. This Privacy Policy explains our online information practices and the choices you can make about the way your Personal Information is collected and used in connection with the Services.

2. Terms of Use This Privacy Policy forms part of our Terms of Use which is available here (“Terms”). Any capitalized but undefined term in this Privacy Policy shall have the meaning given to in the Terms.

3. Consent and Modification By using the Services, you consent to the terms of this Privacy Policy and to our collection, processing, and sharing of Personal Information for the purposes set forth herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Services. We reserve the right, at our discretion, to change this Privacy Policy at any time. If we make any change in how we use your Personal Information we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of the Services thereafter means that you accept those changes.

4. What Personal Information We Collect and How We Collect It. We do not currently require you to provide Personal Information in order to have access to general information available on the Site. “Personal Information” means any information that may be used, either alone or in combination with other information, to personally identify an individual, including, but not limited to, a first and last name, a personal profile, social security number, DOB, a phone number, an email address, a home or other physical address, or other contact information. But we do receive and/or collect Personal Information from you in the following ways:
4.1. Join the Waitlist: In order to participate in the Service, you may be required to provide Personal Information
4.3. ‘Contact Us’ Information. If you send us a “Contact Us” request, whether by submitting an online form that we make available on the Site or by sending an email to an email address that we display on the Site, you may be required to provide us with certain information such as your name and email address.
4.4. Log Files. We may make use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, clicked pages, and any other information your browser may send to us. We may use such information to analyze trends, administer the Services, track users’ movement around the Services, and gather demographic information.
4.6. Cookies and Other Tracking Technologies. Some of our Site and Service pages may utilize “cookies” and other tracking technologies in order to for us to provide our Services and present you with information that is customized for you. A “cookie” is a small text file that may be used, for example, to collect information about Site and Service activity. Certain cookies and other technologies may serve to recall Personal Information, such as an IP address, previously indicated by a user. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. The Site and Service pages do not respond differently or limit their practices under the terms of this Privacy Policy when you access those online services with a browser that uses a do not track signal or similar mechanism.

5. The Way We Use Personal Information If you submit or we collect Personal Information through the Services, then such Personal Information may be used by us in the following ways:
5.1. We will use your Personal Information to provide and improve our Services, to contact you in connection with the Services and certain programs or offerings that you may have registered for, and to identify and authenticate your access to the parts of the Services that you are authorized to access.
5.2. We may use your designated email address to (i) send you updates or news regarding the Services and our products; and/or (ii) respond to a “Contact Us” or administrative requests.
5.3. We will use the Personal Information information that we collect to provide our Service to you, including to (i) review your application (this may include using such information to undertake a Background Check); and (ii) process an approved application.
5.4. We may collect and use your Personal Information, the Personal Information as otherwise set forth in our Terms.
5.5. We may transfer your Personal Information to our affiliates or subsidiaries for the purpose of storing or processing such information on our behalf. Such information may be transferred to other countries around the world. We require that these parties agree to process such information in compliance with our Privacy Policy.
5.6. We may share your Personal Information with our third-party service providers and partners to assist us with our business operations and to provide the Services. Such information will be used in accordance with their own privacy policies. Such information may be transferred to other countries around the world. We use commercially reasonable efforts to only engage or interact with third-party service providers and partners that post a privacy policy governing their processing of Personal Information.
5.7. We may disclose your Personal Information or any information you submitted via the Service if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process, or governmental request; (ii) enforce our Terms, including investigations of potential violations thereof; (iii) detect, prevent, or otherwise address fraud or security issues; or (iv) protect against harm to the rights, property or safety of NestBucks, our users, yourself or the public.

6. Use of Anonymous Information. We may use Anonymous Information (as defined below) or disclose it to third-party service providers in order to improve our Services and enhance your experience with the Services. We may also disclose Anonymous Information (with or without compensation) to third parties, including advertisers and partners. “Anonymous Information” means information that does not enable identification of an individual user, such as aggregated information about the use of our Services.

7. Opting Out. You may choose not to receive future promotional, advertising, or other Services-related emails from us by selecting an unsubscribe link at the bottom of such emails that you receive from us. Please note that even if you opt-out of receiving the foregoing emails, we may still send you a response to any “Contact Us” request as well as administrative emails (for example, in connection with a password reset request, an email verification, or a payment-related email) that are necessary to facilitate your use of the Services.

8. Choice. At all times, you may choose whether or not to provide or disclose Personal Information. If you choose not to provide mandatory Personal Information, you may still visit parts of the Services but you may be unable to access certain options, programs, offers, and services that involve our interaction with you.

9. Access/Accuracy. To the extent that you do provide us with Personal Information, we wish to maintain accurate Personal Information. You may use the tools that we make available on the Service to remove or modify certain information in your Account. If you would like to correct any of your other Personal Information that we may be storing, you may submit an access request by sending an email to [email protected]. Your email should include adequate details of your request. NestBucks may retain archived information that you have provided in the course of obtaining or attempting to obtain services through NestBucks in order to comply with applicable law, regulation, legal process, partner contractual obligations, and our own internal policies.

10. Links to and Interaction with Third Party Products. The Services may enable you to interact with or contain links to your Third-Party Account and other third-party websites, mobile software applications, and services that are not owned or controlled by us (each a “Third Party Service”). We are not responsible for the privacy practices or the content of these Third-Party Services. Please be aware that the Third-Party Services may collect Personal Information from you. Accordingly, we encourage you to read the terms and conditions and privacy policy of each Third Party Service that you choose to use or interact with. NestBucks may, from time to time and in its sole discretion, elect to contract with one or more capital providers to underwrite loans. In such cases, NestBucks will update this Privacy Policy if any capital providers require access to your personal or financial information.

11. Children’s Privacy. The Services are not structured to attract children under the age of 13 years. Accordingly, we do not intend to collect Personal Information from anyone we know to be under 13 years. If we learn that we have collected Personal Information from a child under 13 years, we will delete that information as quickly as possible. If you believe that we might have any such information, please contact us at [email protected].

12. HIPAA. NestBucks is not an entity that is covered by the Health Insurance Portability and Accountability Act (“HIPAA”). The HIPAA privacy rules apply to health plans, health care clearinghouses, to any health care provider who transmits health information in electronic form in connection with transactions for which the Secretary of Health and Human Services has adopted standards under HIPAA (the “covered entities”) and their service providers (“business associates”). This means that the information that you provide to NestBucks is not protected by the HIPAA privacy rules and regulations. You may not submit or otherwise make available any protected health information (as that term is defined under HIPAA) to NestBucks.

13. Security. The security of Personal Information is important to us. We follow generally accepted industry standards, including the use of appropriate administrative, physical and technical safeguards, to protect the Personal Information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security or confidentiality. If you have any questions about security on the Service, you can contact us at [email protected]. 13. Merger, Sale or Bankruptcy. In the event that we are acquired by or merged with a third-party entity, or in the event of bankruptcy or a comparable event, we reserve the right to transfer or assign Personal Information in connection with the foregoing events.

14. California Privacy Rights. California Civil Code Section 1798.83 permits our customers who are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected]. Please note that we are only required to respond to one request per customer each year.

15. Commitment. We are committed to protecting your privacy. Protecting your privacy online is an evolving area, and we are constantly evolving our Service to meet these demands. If you have any comments or questions regarding our Privacy Policy, or your Personal Information that we may be storing and using, please contact us at [email protected].
This document was last updated on December 20, 2023