Privacy Policy

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1. This Privacy Policy describes how SpcTwo collects, uses, shares, and protects your information. This Privacy Policy applies to all information collected by SpcTwo through this website and our services. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as our Terms of Service and all of the dispute resolution provisions contained therein. 2. This Privacy Policy is intended to only cover our privacy practices. We are not responsible for the privacy practices of any websites you may access from our site. When you leave SpcTwo website, we encourage you to carefully review the privacy policies on all other websites you visit. 3. Information We Collect 4. We may collect information about you such as your name, mailing address, email address and phone number (“Personal Information”). We also collect information such as demographic data and data about your activity on our website (“Non-Personal Information”) and information when you attempt to contact us for services.  5. Other Sources 6. We may also collect information about you from third parties. Such information may include, without limitation, information to supplement or confirm the information you’ve provided and other demographic information about you. 7. How We Collect Information From You 8. We may collect information from you when you use our services. The information we collect from you may vary depending on the product or service you are seeking. We may also collect information from you if you otherwise contact us. 9. Browser Cookies 10. Browser cookies are pieces of data stored on your computer that allow us to identify your browser software the next time you visit our website, and to provide us with information about pages viewed and how you navigated to our site (e.g., web search or link). Cookies can be used for website functionality, security, marketing, analytics, and ad operations. 11. In addition to using our own cookies, our website may also use cookies belonging to third-party entities involved in analytics, ad operations and third-party hosted solutions. Some of these cookies allow third parties to identify your browser software when you visit other sites. For example, some of these cookies are used for the purpose of serving behaviorally targeted advertising. 12. We use both session ID cookies and persistent cookies. For the session ID cookie, once a user closes his or her browser, the cookie simply expires. A persistent cookie, however, persists across browsing sessions, and is set to expire at a future date, which could be days, months, or years in the future. Persistent cookies can be removed by consulting the “Help” features in your browser. Like most standard website servers, we use log files to collect Non-Personal Information. This information includes, among other things, Internet Protocol (IP) addresses, browser type, device information, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp and number of clicks. We may also collect information about your browser and device, such as installed fonts, screen size, and screen resolution, which, together with other information, my uniquely distinguish your browser software or device from others. 13. Flash Cookies 14. “Flash” cookies, also known as “local shared objects,” are small pieces of data stored on your computer that can serve the same or similar purposes as browser cookies (as well as some additional purposes relating to the functioning of Adobe Flash technology which is used to serve rich content such as videos and animation). “Flash” cookies, however, are not associated with browser software, but rather with Adobe software, such as Flash Player. “Flash” cookies can be removed by consulting guidance on the Adobe website, at adobe.com. 15. Other Data Collection Technologies 16. Web Beacons. We may use web beacons in the form of extremely small “.gif” files, which are electronic images that allow for the collection of information about your interactions on our sites. Web beacons may be used, for example, to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or our website. How SpcTwo Uses Information 17. We may use your information to perform, without limitation, the following tasks: o To provide you with additional products and services; o To communicate with you about products or services that may be of interest to you; o To provide you with customer support; o To research and analyze your use or interest in our products and services; o To develop and display content and services tailored to your interests; o To improve our website, products and services; or o To measure the effectiveness of our advertising, content, and other activities. With Whom SpcTwo Shares Your Information 1. We may disclose your information at our sole discretion in the following limited situations: o In response to a subpoena, court order, or request from law enforcement or other government company to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us. o When we believe disclosure is necessary to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our Terms of Service or other agreements or policies. o In connection with a corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale, or bankruptcy. 1. You can choose not to provide us with certain information, but that may result in the inability to provide certain services offered. 2. You may opt out of receiving marketing communications from SpcTwo by following the instructions at the bottom of the email or by contacting us at info@SpcTwo.com. Please note that such requests may take a reasonable time to become effective. 3. You may contact us any time with questions about your choices with respect to your Personal Information or Non-Personal Information or this Privacy Policy at info@SpcTwo.com. 4. Updating, Accessing and Deleting Your Personal Information 5. You may have the ability to view or edit some of your Personal Information online. If you have submitted your information to us, you can update your Personal Information by contacting us at info@SpcTwo.com. 6. How We Protect Your Personal Information 7. We take appropriate security measures to help safeguard your Personal Information from unauthorized access and disclosure. Although we take these measures, we do not guarantee that your information will always remain secure. 8. Special Notice to California Residents 9. If you are a resident of California, in addition to the rights set forth in this Privacy Policy: 10. We may not share information about you with other companies, whether affiliated or not, except in the limited circumstances permitted under state law, or if you give us your permission. You have given us permission if you submit the Personal Information requested on the landing page. 11. You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to request from us the following information: (i) categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; (ii) names and addresses of the third parties that received that information; and (iii) if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed. 12. To make such a request, please contact us at info@SpcTwo.com. 13. Special Notice to Vermont Residents 14. We will not share any information about you with other companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. You have given us permission if you submit the Personal Information requested on the landing page. 15. Special Notice to North Dakota Residents 16. We will only share information about you with our service providers and with third parties as required or permitted by law, or if you give us your permission. You have given us permission if you submit the Personal Information requested on the landing page. 17. Children 18. The information and services provided by SpcTwo are not intended or directed towards children under the age of 13. We do not knowingly collect or use any information about children whatsoever. 19. Changes to this Privacy Policy 20. We may update or modify this Privacy Policy to reflect changes to how we will collect, use, or share your information. We display an effective date on the upper left corner of the Privacy Policy so that it will be easier for you to know when there has been a change. You should check the Privacy Policy on a regular basis for the most current privacy practices. Your continued use of our websites will signify your acceptance of the changes to the Privacy Policy. 21. Visiting from Outside the United States 22. This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries may differ from those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy. 23. No Rights of Third Parties 24. This Privacy Policy does not create rights enforceable by third parties or require disclosure of any information relating to users of our website. 25. Security Policy 26. In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site (“Registration Data“); (b) maintain the security of any password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to us, to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to us. In addition, you agree not to access or use, or attempt to access or use, the Site or any part thereof using the identity or the Registration Data of any person other than you. 27. While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, SpcTwo understands your concerns with the safety of your personal information. The following is a summary of the measures SpcTwo takes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us. 28. Secure Web Pages and Encryption SpcTwo uses well-known and vetted security technologies to protect your data and transmissions between you, SpcTwo, debt consolidation professionals participating in the SpcTwo Websites (please see the Terms of Use Agreement and Privacy Policy for additional information, definitions and terms that govern this Policy). Transmissions between SpcTwo, debt consolidation professionals are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. 29. Those pages on the Websites that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except SpcTwo. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. This technology requires any modern web browser such as Internet Explorer, Firefox, Safari or Opera. You can verify that your communications with SpcTwo are secure by checking for the key or lock icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page. 30. Extended Validation SSL Certificates give high-security Web browsers information to clearly identify a Website’s organizational identity. As people use the Web for commerce, business, and social activities, they share personal and confidential information. High profile incidents of fraud and phishing scams have made Internet users very concerned about identity theft. Before they enter sensitive data, they want proof that the Website can be trusted and their information will be encrypted. Without it, they may abandon their transaction and do business elsewhere. High security browsers and Extended Validation SSL Certificates provide third-party verification with a visual display (Green address bar) that gives consumers confidence and builds trust in SpcTwo. An Extended Validation SSL Certificate helps our web visitors complete secure transactions with confidence and puts our organization in a leadership position. 31. Another important information security measure in place throughout the Websites is the timeout feature. This feature will log you out if there has been no activity within a specified amount of time. 32. Firewall Protection Firewalls are special purpose devices that protect and screen-out malicious attempts to access information and networks. SpcTwo deploys firewalls at several points in its environment, including between you and the web server, the database servers, and SpcTwo’s internal production networks. 33. Contact Us 34. If you have any questions about our Privacy Policy or our privacy practices in general, please contact us by mail or email.