At Annette M. Chang Life Coaching, we believe in empowering individuals to reach their full potential. Our mission is to help you discover your strengths, overcome obstacles, and achieve your goals. With our personalized coaching sessions, we will work together to create a plan tailored to your unique needs and aspirations. Whether you're looking to improve your career, relationships, or overall well-being, we're here to guide you every step of the way.
Annette M. Chang, Privacy Policy
of Annette M. Chang Life Coaching, Consulting and Solutionary Strategist.
Does not apply to non- Annette M. Chang companies, such as any co-branded partners, companies, or any third-party websites that we link to online.
Please review the privacy policies of other websites and services you visit to understand their privacy practices.
Other important resources
Our U.S. Consumer Privacy Notice applies to information that we collect about individuals who
seek, apply for, or obtain our products and services for personal, family, or household
purposes.
In addition, our California Consumer Privacy Act Disclosure and Workforce CCPA
Disclosure apply to certain information we collect about California residents.
For other important information:
Collecting, using, and sharing information. How does Annette M. Chang collect information online?
We collect information about you in a variety of contexts.
For example, we may collect
information:
● Directly from you. We and others on our behalf may collect information directly from you, such as when you apply or register for our products and services, use our online services or mobile apps, communicate with us, respond to surveys, provide feedback, or enter contests or promotions.
Annette M. Chang ONLINE PRIVACY POLICY
● Automatically when you use our Online Services. We and others on our behalf may collect Device Data, Online/Mobile Activity Data, and other information automatically when you interact with us online.
Learn more about our use of Online Tracking Technologies.
This Privacy Policy applies to information we collect when you use our Online Services.
We may combine that information with information we collect in other contexts, such as
from our phone calls and emails with you, from third-party data sources for fraud prevention, identity verification, or marketing purposes, from our co-branded card or business partners, and from publicly available data sources.
We will treat such combined information in accordance with this Privacy Policy.
What information does Annette M. Chang collect?
Depending on how you interact online with us, we may collect various types of information about you.
For example, we may collect:
● Contact or identity data, such as your name, mailing address, email address, phone number, date of birth, government-issued identifier (e.g., Social Security
number, tax ID number, driver’s license, or other government ID), citizenship, business contact and professional information, username and password, profile
picture, and other information that directly identifies you.
● Account data, such as account number, credit/debit card number, account history, account balances, loan details, vehicle or property information, information about beneficiaries and joint account holders, business-related
information (e.g., business name, address, revenue, and industry type), information you provide when using our travel, entertainment, or dining services
(e.g., dietary, seating, or other preferences), and other information related to your client status, membership, accounts, applications, or prequalification inquiries.
● Transaction data, such as credit/debit card purchases, payment or transaction
history, transaction details when you transfer money to or from your accounts, third-party billing information or statements, payment card details, and information about any of our services.
● Credit report information, such as your credit score, credit history, and other information that we receive from credit reporting agencies when you use our website or app.
● Demographic data, such as gender, marital status, age, household size/composition, education information, income, occupation, veteran or military status, and employment status.
When you use or interact with our Online Services, including, for example, when you browse our website or use our mobile apps, we may also collect:
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● Device data, such as your device type, web browser type and version, operating system type and version, display/screen settings, language preferences, device contacts (e.g., to facilitate Zelle payments), photos (e.g., to
deposit checks), internet protocol address, mobile network information, general location (e.g., city, state, or country), precise location (e.g., latitude/longitude, cookie IDs, device IDs, mobile advertising IDs (e.g., Apple’s IDFA or Google’s Advertising ID), and likely
connections among different browsers and devices that you use (collectively, “Device Data”).
● Online/mobile activity data, such as login data, search history, information about how you use and interact with our Online Services or advertising
(including content viewed, links clicked, and features used), when and how often you use our Online Services, the webpage from which you clicked a link to come
to our Online Services (e.g., the referrer URL), and crash reports (collectively,
“Online/Mobile Activity Data”).
● Marketing data, such as your marketing preferences, information about products or services we think you might like, and inferences based on your
interactions with us or our partners (e.g., Online/Mobile Activity Data used for
targeted advertising).
● Communications data, such as your communication preferences and details or the content of your communications with us (e.g., chat messages).
● Survey and research data, such as your responses to questionnaires, surveys,
requests for feedback, and research activities.
If you inquire about or apply for a job at Annette M. Chang using our Online Services, we may aalso collect:
● Employment application data, such as professional, employment-related, and
education history collected through the Online Services about job applicants, employees, associates, contractors, or other members of Annette M. Chang
workforce.
If you disclose any information relating to other people to us or to our service providers when you visit or use the Online Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.
How does Annette M. Chang use this information?
We use information for various purposes depending on how you interact with us. For example, we may use information about you for the purposes described below:
● Providing our products and services, such as enabling you to apply for and obtain our products or services, evaluating your application or eligibility for a product or service, servicing and managing your accounts,
providing customer service or support, communicating with you, and providing online tools and features.
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● Processing transactions and payments, such as transferring funds between accounts, processing payments or transactions, fulfilling orders, and conducting settlement, billing, processing, clearing, or reconciliation activities, and helping you with services.
● Verifying your identity, such as conducting identity verification when you apply for our products or services, authenticating your login credentials, verifying your
location to allow access to your accounts, and storing security questions for subsequent verification online or over the phone.
● Detecting and preventing fraud, such as determining fraud risk and identifying fraudulent transactions.
● Protecting against security risks, such as monitoring network activity logs, detecting security incidents, conducting data security investigations, and
otherwise protecting against malicious, deceptive, fraudulent, or illegal activity.
● Advertising and marketing, such as sending you offers for special products and services via mail, email, or text message, displaying online advertising,
targeting our offers or promotions, providing sweepstakes, conducting market
research, and evaluating or improving the effectiveness of our marketing efforts.
Learn more about how we use online tracking technology:
● Conducting analytics and research, such as examining which parts of our website you visit or which aspects of our mobile apps you find most useful,
evaluating user interface and experiences, testing features or functionality, performing debugging and error repair, and analyzing the use of our Online
Services.
● Improving our products and services, such as personalizing and optimizing your website and mobile experiences, recognizing you across different browsers
and devices you use, improving existing products and services, and developing new products and services.
● Carrying out legal and business purposes, such as complying with applicable laws, responding to civil, criminal, or regulatory lawsuits, subpoenas, or
investigations, exercising our rights or defending against legal claims (including for collections and recoveries on past-due accounts), resolving complaints and disputes, performing compliance activities, analyzing credit risk, conducting credit reporting activities, regulatory reporting, performing institutional risk control, conducting human resources activities, and otherwise operating, managing, and maintaining our business.
● Creating aggregated and de-identified information, such as using or modifying the information described in this Privacy Policy in a manner that does not allow us to reasonably identify you. For example, we may compile aggregated statistics to understand trends or to research the percentage of users accessing a specific website feature. Information that has been aggregated and de-identified is no longer subject to this Privacy Policy.
How does Annette M. Chang share this information?
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We share information in a variety of contexts. For example, we may share information about you with:
● Affiliates. We may share information with companies in spheres of Annette M. Chang service.
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determine that disclosure is necessary or appropriate to protect the life, safety, or property of our customers, ourselves, or others.
We may share aggregated and de-identified information (such as aggregated statistics regarding the use of our financial products and services) with third parties for any purpose.
Our U.S. Consumer Privacy Notice provides additional information about how we share
information we obtain when offering products and services for personal, family, or household use.
What online tracking technologies does Annette M. Chang use?
We and third-party providers acting on our behalf use a variety of online tools and technologies to collect information when you visit or use the Online Services, including Device Data and Mobile/Online Activity Data. For example, we use these tools to collect information for debugging, fraud prevention, session management, and other necessary purposes. We also use these to conduct personalization, analytics, and targeted advertising on or through the Online Services.
We may associate this tracking data with your Annette M. Chang (if you have one).
These tools may include:
● Server logs. Server logs automatically record information and details about your online interactions with us.
For example, server logs may record information about your visit to our website on a particular time and day.
● Cookies. Cookies are small text files that a website’s server stores in your web browser. Cookies allow companies to recognize your device and store
information about your account and preferences.
For example, we may use
cookies to store information about pages visited on our sites, language preferences, your relationship with us, or other information that we have
associated with you or your device. You may be able to manage cookies on your
device.
● Pixel tags. A pixel tag (also known as a web beacon, clear GIF, pixel, or tag) is
an image or a small string of code that may be placed in a website,
advertisement, or email. It allows companies to set or read cookies or transfer
information to their servers when you load a webpage or interact with online
content. For example, we or our service providers may use pixel tags to
determine whether you have interacted with a specific part of our website,
viewed a particular advertisement, or opened a specific email.
● SDKs and mobile advertising IDs. Our mobile applications may include third-party software development kits (“SDKs”) that allow us and our service providers to collect information about your mobile app activity. In addition, some mobile devices come with a resettable advertising ID (such as Apple’s IDFA and Google’s Advertising ID) that, like cookies and pixel tags, allow us and our service providers to identify your mobile device over time for advertising purposes.
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Review or update your account information.You may review or update certain account information by logging into your account online.
If you cannot change the incorrect information online, or you prefer to request changes offline, please contact us through customer support, or call or write to us using the contact information listed on your account statements or records.
Unsubscribe from our marketing emails. You can visit our Email Preferences page to opt out of receiving our marketing emails.
Our marketing emails also contain instructions on how to opt out. Please note that you
may receive marketing emails from Annette M. Chang up to 10 business days after submitting
your request. If you opt out of receiving marketing emails, we may still send you emails
about your account or for other non-marketing purposes.
Opt out of targeted advertising
Capital One supports Global Privacy Control (GPC), which is a setting that allows you to
communicate your privacy preferences to websites and online services that you visit.
When we detect a GPC signal from a browser, our Online Services are designed to treat
the browser as opted out and to stop sharing personal information for certain targeted
advertising purposes, in accordance with applicable laws. Please visit the Global Privacy Control website to learn more about the setting and how to enable it on your browser.
You can also opt out of certain targeted advertising by visiting the Digital Advertising Alliance Opt Out Page, Network Advertising Initiative Opt Out Page, and TrustArc Preference Manager and by adjusting the privacy settings on your mobile device (e.g., “Limit Ad Tracking” on iOS or “Opt out of Ads Personalization” on Android).
Please note that your preferences will apply only to the specific browser or device from
which you opt out. You will need to opt out separately on all of your browsers and devices.
If you delete cookies, change web browsers, reset your mobile advertising ID, or use a different device, you may need to opt out again.
Our Online Services do not function differently in response to browser “Do Not Track” signals, but you may opt out of certain targeted advertising as described above.
Manage cookies on your device
You may be able to set your web browser to tell you when cookies are set, delete your cookies, or block cookies altogether.
Please check your browser’s settings or support
pages to learn how to manage cookies on your browser or device. Your decision not to
accept cookies could limit access to some of our Online Services and features.
For example, we may not recognize your device and you
you may need to answer challenge questions each time you log on.
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Manage how Annette M. Chang shares your financial information:
For certain consumers of our products and services, our U.S. Consumer Privacy Notice governs how we share certain information with our affiliates and third parties, including for their direct marketing purposes, and will enable you to opt out of
certain types of sharing.
You may have additional rights under applicable law, such as the California Consumer Privacy Act (CCPA) for California residents, or we may provide you with additional choices to access, delete, correct, or otherwise manage certain personal information.
For more information about these rights or choices and how to exercise them, please contact us.
Data retention and security:
The personal information we collect will be retained for as long as reasonably necessary for the
purposes set out in this Privacy Policy and consistent with our retention policies, in accordance
with applicable laws.
When determining these retention policies, we take into account the length of time personal information is required to be retained to provide the services; satisfy legal and compliance obligations and for audit purposes; address any complaints regarding the
services; and defend or bring potential legal claims.
We have an information security program that includes administrative, technical, and physical measures that are designed to protect information within our company.
While we strive to protect information about you, no method of data transmission or storage is 100% secure, and
we cannot ensure or warrant the security of such information.
Children’s privacy
Our Online Services are not directed to children under 13. We kindly request that children under 13 not provide information to us through our Online Services.
Social media
Annette M. Chang has pages on social media services such as Facebook. When you interact with us on these pages or elsewhere on social media, we may collect information such as your likes, interests, feedback, and
preferences. We may collect additional information from social media companies if you choose to share with them and they, in turn, share such information with us.
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Any posts you make on our official social media pages -- including posts that contain pictures, comments, suggestions, opinions, complaints, or personal information -- are available to
others who use those pages.
Never include sensitive personal, financial, or other confidential information such as your Social Security number, account number, phone number, mailing
address, or email address when posting or commenting online.
Please refer to the privacy policies of our social media partners when you interact with them online.
Updates:
We may change this Privacy Policy in the future. When we do, we will post the revised Privacy
Policy on our website.
This Privacy Policy was last updated and became effective on the date posted in the header of this page.
Have questions about this Privacy Policy or our privacy practices?
Visit jcallstarz.com/privacy
Contact us at customer support:
(754) 244-9222
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