Last Updated: December 23, 2022
Updates to This Policy
We do not knowingly collect personal information from children under the age of 18. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at firstname.lastname@example.org.
What Information Do We Collect and How Do We Use It?
We may collect certain identifying information from or about you in connection with your use of or submissions to the Site (collectively, the “Collected Information”). Collected information includes both information you provide us and information we automatically collect when you visit the Site.
Information You Provide Us
You may provide us with your name and contact information, such as your email address, mailing address, or telephone number when you request information through the Site. If you access your account or pay your bill through the Site, you may also provide information such as your account number, credit card information and bank account information. If you inquire about or apply with us through the Site, you may provide us with information on your educational background, employment history or current or previous compensation.
Information We Automatically Collect
In addition to the types of information we may collect, AWR/Oncourse Home Solutions may retain the content of and metadata regarding any correspondence between you and AWR/Oncourse Home Solutions or our representatives, regardless of the mode of communication by which such correspondence was made. This information helps us improve the Site and the online media, content, materials, opportunities and services that we feature or describe on the Site and to more effectively and efficiently respond to both current and future inquiries.
Our Site may at any time, use “cookies” to help us recognize visitors when they return to the Site or as they move among the different portions of the Site.
Personal Information Collection Summary
We collect the following categories of information from you:
- Personal information and other identifiers, which include your real name, your alias, postal address, email address, account name or online identifier, signature, telephone number, employment history, education history, Internet Protocol address;
- Internet or other similar network activity, including your interactions with our website;
- Sensory data in the form of audio messages; and
- Inferences drawn from other personal information such as the information saved on your profile reflecting your user preferences and your user behavior on our website.
With Whom Do We Share Information That We Collect?
AWR/Oncourse Home Solutions may, as appropriate, transfer Collected Information, whether solicited or unsolicited, to our offices throughout the country, catalog and add such Collected Information to our databases, transmit such Collected Information to our affiliates and contractors and, to the extent necessary to accomplish the purpose for which information was submitted, to other third parties (e.g., to the relevant financial institutions in making payments).
AWR/Oncourse Home Solutions may disclose your personal information as part of a corporate business transaction such as a merger or acquisition, divestiture, sale of company assets, or in the event of insolvency, bankruptcy, or receivership. In these cases, personal information could be transferred to third-parties as a business asset. We may also share information with banks and similar entities for purposes of transferring loans in connection with your device financing.
Please see below for more information on the types of information we share with third-parties.
Summary of Who We Share Your Personal Information With
Personal Information Category
Category of Third Parties With Which Personal Information is Shared
Purpose for Disclosure/Sharing of Personal Information
Personal Information and other identifiers
Service providers, partners
General business purposes, including creating, maintaining, customizing and securing your account with us. It is also used for providing customer service, improving our products and services and marketing
Internet or other similar network activity.
Internet Service providers
This information is used for internet browsing analytics
Sensory data in the form of audio messages.
General business purposes, including creating, maintaining, customizing and securing your account with us. It is also used for providing customer service
Choices About the Information You Provide Us
When corresponding with AWR/PHR or our representatives, or making a request for information or otherwise interacting with us through the Site, you choose what information to supply, what questions to pose and comments to make, whether you wish to receive further information and by what method of communication such information should be delivered. Please take care to share only such information as is needed or that you believe is appropriate.
Do Not Track
Please note that we do not alter our Site’s data collection and use practices when we see a Do Not Track signal from your browser.
California and Virginia Privacy Rights
The following provisions apply to California and Virginia Consumers, who are granted certain rights over their personal data under their respective state’s applicable laws. You have the right to exercise these rights detailed below via an authorized agent who meets the agency requirements of applicable state laws.
To access or delete specific pieces of personal information we will need to verify your identity to the degree of certainty required by law. A third party authorization form will be required to authorize third parties to make an access or deletion request on your behalf. As permitted by applicable law, any request you submit to us is subject to an identification and residency verification process (“Verifiable Consumer Request”). We will not fulfill your request unless you have provided sufficient information for us to reasonably verify you are the consumer about whom we collected personal information.
Sale of Personal Information
We do not “sell” personal information, as the term is defined in the California Consumer Privacy Rights Act, as amended by the California Privacy Rights Act.
Your Right to Know, Delete, and Correct
You have the right to request that we disclose certain information to you about our collection and use of your personal data over the past 12 months. Once we receive and validate your request, we will include a list of your personal data that may have been disclosed and the categories of third parties the information may have been disclosed to.
You may request that we delete any of your personal data that we collected from you and retained, subject to certain exceptions. Once we receive your request and confirm your identity, we will review your request. We may deny your deletion request if retaining the information is proper and necessary or if an exception allowing us to retain the information applies.
You may also request that we correct any of your personal data that has become outdated or needs correction for any reason.
If your request is approved, we will delete, correct, or deidentify the relevant information and will direct our service providers to take similar action.
Exercising Your Rights to Know, Delete or Correct
California and Virginia residents may exercise their rights to know, delete or correct as described above by submitting a request online by clicking here. Alternatively, you can email us at: email@example.com.
NOTE: If emailing us please include “Verifiable Consumer Request” in the subject line of the email and your name and address in the body of the email.
Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal data.
You may only submit a request to know twice within a 12-month period. We endeavor to substantively respond to a Verifiable Consumer Request within forty-five (45) days of its receipt, unless we require an extension. If we reasonably require an extension we will inform you of the reason and extension period.
We will not discriminate against you for exercising any of your data subject rights.
We do not charge a fee to process or respond to your Verifiable Consumer Request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
California’s Shine the Light Law
California Civil Code Section 1798.83 permits users of our Site that are California residents to request certain information regarding our disclosure of the information you provide through the Site to third parties for their direct marketing purposes. To make such a request, please contact us by email at firstname.lastname@example.org or at the following address:
Attn: Legal Counsel
1751 W. Diehl Rd. Suite 200
Naperville, IL 60563
Any such request must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one Shine the Light request per consumer each year, and we are not required to respond to requests made by means other than through the e-mail address or mailing address provided in this Policy.
Participation in Financial Incentive Programs
We will notify you in the event we offer any financial incentive for the use of your personal information. Please note that participating in incentive programs is entirely optional, you will have to affirmatively opt-in to the program and you can opt-out of each program (i.e., terminate participation and forgo the ongoing incentives) prospectively by following the instructions in the applicable program description and terms.