Privacy Policy

UNDER NO CIRCUMSTANCE WE SHALL HAVE ANY ACCOUNTABILITY TO YOU FOR ANY LOSS OR DAMAGE AS A RESULT OF THE USE OF ANY INFORMATION PROVIDED ON THE WEBSITE. YOUR USE OF THE WEBSITE AND YOUR RELIANCE ON ANY INFORMATION ON THE WEBSITE IS COMPLETELY AT YOUR OWN RISK.Our collection, use, disclosure, and processing of personal information about individuals will vary depending upon the circumstances. This privacy notice is intended to describe our overall privacy and data protection practices. In some cases, different or additional notices about our data collection and processing practices may be provided and apply to our processing of certain personal information.

Section 1 - Why We Collect Your Information?

We use the information; we collect in various ways, including:

• To provide, operate, and maintain our website.
• To improve, personalize, and expand our website.
• To understand and analyses how you use our website.
• To develop new products, services, features, and functionality.
• To communicate with you, either directly or through one of our partners, including for user service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes.
• To send you emails.
• Find and prevent fraud.

Section 2 - Our Collection Of Personal Information

Generally, we collect your personal information voluntarily. However, if you decline to provide certain personal information that is marked mandatory, you may not be able to access certain Services or we may be unable to fully respond to your inquiry.

Personal information that we collect and the process will vary depending upon the circumstances. We collect personal information directly from individuals, automatically related to the use of the Services, for example, some of the ways we collect information are as follows:

• Information we collect directly. We collect information that you provide to us, such as:
• when you provide your contact information and send other personal information to us;
• when you complete or submit a form through Premium Surplus , for example, 'Contact Us' or 'More Information' forms;

Personal data relates to a living individual who can be identified from that data. Identification can be by the data alone or in conjunction with any other data in the data controller’s possession or likely to come into such possession. The processing of your personal data is governed by applicable privacy laws.Which Personal Data Do We Collect?

• Name
• Email
• Phone Number
• Address

We are the data controller with respect to processing your data. This means that we decide how your personal data is processed and for what purposes. We know that you care how data about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly.To exercise your data protection rights, please contact us at:Office address: 888 West Big Beaver Road, Suite 200 Troy, MI 48084 Email: [email protected] Phone: +1 (248) 266-8040

You may choose to provide us with your e-mail address for the purpose of allowing us to send free newsletters, surveys, offers, and other promotional materials to you. You can stop receiving e-mails by following the unsubscribe instructions in emails that you receive. If you decide not to receive e-mails, we may still send you service-related communications.If you revoke your consent for the processing of Personal Information, then we may no longer be able to provide you services. In some cases, we may limit or deny your request to revoke consent if the law permits or requires us to do so, or if we are unable to adequately verify your identity.Your ChoicesYou may, of course, decline to submit information through our website, in which case we may not be able to provide related services to you.

Section 3 - How We Use Your Personal Information?

While the purposes for which we may process personal information will vary depending upon the circumstances, in general, we use personal information for the purposes set forth below. Where General Data Protection Regulation (GDPR) or other relevant laws apply, we have set forth the legal bases for such processing in parenthesis.

• Providing support and services: including, for example, to provide services you request (and send related information), operate Premium Surplus to communicate with you about your access to and use of our products and services; to respond to your inquiries; to provide troubleshooting, fulfil your requests and provide technical support; and for other user service and support purposes.
• Analyzing and improving our business: including better understand how users' access and use Premium Surplus to evaluate and improve our products and business operations, and to improve our features, offerings, and services; to conduct surveys, and other evaluations, such as user satisfaction surveys; and for other research and analytical purposes.
• Personalizing content and experiences: including to provide or recommend features, content, social connections, and referrals; tailor content we send or display on Premium Surplus to offer customization and personalized help and instructions, and otherwise personalize your experiences.
• Advertising, marketing, and promotional purposes: including to reach you with more relevant ads and to evaluate, measure, and improve the effectiveness of our ad campaigns; to send you newsletters, offers, or other information we think may interest you; to contact you about Premium Surplus or information we think may interest you;Defending our legal rights: including managing and responding to actual and potential legal disputes and claims, and to otherwise establish, defending or protecting our rights or interests, including in the context of anticipated or actual litigation with third parties.
• Complying with legal obligations: including to comply with the law, our legal obligations and legal process, such warrants, subpoenas, court orders, and regulatory or law enforcement requests.

Section 4 - Disclosure Of Personal Information

We may disclose the personal information that we collect about you as set forth below or as otherwise described at the time of collection or sharing.

• Third Parties: We may employ other companies and individuals to perform functions on our behalf. Examples include sending postal mail and e-mail, removing repetitive information from user lists, analyzing data, providing marketing assistance, processing payments, transmitting content, and providing user service. These third-party service providers have access to personal information needed to perform their functions but may not use it for other purposes.Business transfers: We may disclose or transfer personal information as part of any actual or contemplated merger, sale, and transfer of our assets, acquisition, financing, or restructuring of all or part of our business, bankruptcy, or similar event, including related to due diligence conducted before such event where permitted by law.
• Legally required: We may disclose personal information if we are required to do so by law (e.g., to law enforcement, courts, or others, e.g., in response to a subpoena or court order).Protect our rights: We may disclose personal information where we believe it necessary to respond to claims asserted against us or, comply with legal process (e.g., warrants), enforce or administer our agreements and terms, for fraud prevention, risk assessment, investigation, and to protect the rights, property, or safety of us, our clients and users or others.

Section 5 - Tracking, And Analytics

This website may use the first-party and third-party cookies, pixel tags, plug-ins, and other tools to gather device, usage, and browsing information when users visit Company. For instance, when you visit our website, our server may record your IP address (and associated location information) and other information such as the type of your internet browser, your Media Access Control (MAC) address, computer type (Windows or macOS), screen resolution, operating system name and version, device manufacturer and model, language, and the pages you view and links you select on the Services, as well as the date and time stamps associated with your activities on Company.

We use the information for security purposes, to facilitate navigation, to personalize and improve your experience while using the Services, to improve and measure our advertising campaigns, and to better reach users with relevant advertising both on Premium Surplus and on third party websites. We may also gather statistical information about the use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them.

Section 6 - Cookies

Cookies are small text files that a website transfers to your hard drive to store and sometimes collect information about your usages of websites, such as time spent on the website, pages visited, language preferences, and other anonymous traffic data. You can control the way in which cookies are used by altering your browser settings. You may refuse to accept cookies by activating the setting on your browser that allows you to reject cookies. However, if you select such a setting, this may affect the functioning of Premium Surplus unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you access or log on to our website.

• Security: These cookies allow us to secure access to your account.
• Preference: These cookies are used to store your preferences like language choice and display of search results.
• Analytics: We track traffic patterns so we can identify popular content and potential problems.
• Features: We may also use cookies to split some users into test groups to test new features.
• Advertising: We use non-identifiable information about you to show you advertising on our services and third-party websites.

If you have disabled one or more cookies, we may still use information collected from cookies before your disabled preference was set. However, we will stop using the disabled cookie to collect any further information.For more information regarding our usage of cookies, please visit our cookies policy.

Section 7 - Pixel Tags And Other Similar Technologies

Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some websites to, among other things, track the actions of users of the website (including email recipients), measure the success of our marketing campaigns, and compile statistics about usage of the website and response rates. We and our service providers may also use pixel tags in HTML emails to our users, to help us track email response rates, identify when our emails are viewed, track whether our emails are forwarded, and conduct analytics.

Section 8 - Log Files

Most browsers collect certain information, such as your IP address, device type, screen resolution, operating system version, and internet browser type and version. This information is gathered automatically and stored in log files.

Section 9 - Third-Party Analytics Tools

Our website may use automated devices and applications operated by third parties, such as Google Analytics, which uses cookies and similar technologies to collect and analyse information about the use of the website and report on activities and trends. This service may also collect information regarding the use of other websites, apps, and online resources.

Section 10 - Do-Not-Track Signals

Please note that our website does not recognize or respond to any signal which your browser might transmit through the so-called 'Do Not Track' feature your browser might have. If you wish to disable cookies on our website, you should not rely on any 'Do Not Track' feature your browser might have.

Section 11 - Security

We use technical, administrative, and physical controls in place to help protect Personal Information from unauthorized access, use, and disclosure. Even so, despite our reasonable efforts, no security measure is ever perfect or impenetrable. If the security of your account has been compromised, please immediately notify us at: [email protected]

Section 12 - Do Not Sell My Data

Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent, or otherwise share for marketing purposes your Personal Information with third parties without your consent.We will only process your Personal Data if we have a lawful basis for doing so. Lawful bases for processing include consent, contractual necessity, and our 'legitimate interests' or the legitimate interest of others, as further described below. In some cases, we process Personal Data based on the consent you expressly grant to us at the time we collect such Personal Data. When we process Personal Data based on your consent, it will be expressly indicated to you at the point and time of collection. From time to time, we may also need to process Personal Data to comply with a legal obligation, if it is necessary to protect the vital interests of you or other data subjects, or if it is necessary for a task carried out in the public interest.

Section 13 - The Personal Data Protection Law For Uae

1. The provisions of the law apply to the processing of personal data, whether all or part of it through electronic systems, inside or outside UAE.
2. The law prohibits the processing of personal data without the consent of its owner, with the exception of some cases in which the processing is necessary to protect the public interest, or that the processing is related to the personal data that has become available and known to all by an act of the data owner, or that the processing is necessary to carry out any of the legal procedures and rights.
3. The owner has the right to request correction of inaccurate personal data, restrict or stop the processing of personal data. The law sets out the requirements for the cross-border transfer and sharing of personal data for processing purposes.

Section 14- Gdpr Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every European user is entitled to the following:

1. Right to access: If you can prove your identity, you have the right to obtain information about the processing of your data. Thus, you have the right to know the purposes of the processing, the categories of data concerned, the categories of recipients to whom the data are transmitted, the criteria used to determine the data retention period, and the rights that you can exercise on your data.
2. Right to rectification of your personal data: Inaccurate or incomplete personal data may be corrected.
3. Right to erasure (or 'right to be forgotten'): You also have the right to obtain the erasure of your personal data under the following assumptions:Your personal data are no longer necessary for the intended purposes;You withdraw your consent to the processing and there is no other legal ground for processing;You have validly exercised your right of opposition;Your data has been illegally processed;Your data must be deleted to comply with a legal obligation. The deletion of data is mainly related to visibility; it is possible that the deleted data are still temporarily stored.
4. Right to limitation of processing: In certain cases, you have the right to request the limitation of the processing of your personal data, especially in case of dispute as to the accuracy of the data, if the data are necessary for the context of legal proceedings or the time required to verify that you can validly exercise your right to erasure.
5. Right to object: You have the right to object at any time to the processing of your personal data for direct marketing purposes. We will stop processing your personal data unless it can demonstrate that there are compelling legitimate reasons for the processing which prevail over your right to object.
6. Right to data portability: You have the right to obtain any personal data which you have provided us in a structured, commonly used, and machine-readable format. You are then free to transfer this data to a similar service provider.
7. Right to withdraw your consent: You may withdraw your consent to the processing of your personal data at any time, for example for personalized marketing communication purposes.

Section 15- California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or Premium Surplus in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy.According to CalOPPA we agree to the following:

• Users can visit our website anonymously.
• Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
• Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the page specified above.

Section 16- Children's Privacy

We do not knowingly collect, maintain, or use Personal Information from our Website about children under the age of 13. We request that persons under the age of 13 not use our website without supervision from a responsible adult. We will never request Personal Information from a child under the age of 13 without verifiable parental consent. If We become aware that a child under the age of 13 has sent Personal Information to us without prior parental consent, we will remove his or her Personal Information from our files.

Section 17- How We Protect Your Information?

Our security measures do not guarantee that your information will not be accessed, disclosed, altered, or destroyed by a breach of such firewalls and secure server software. By using our Service, you acknowledge that you understand and agree to assume these risks.

Section 18- Third-Party Websites

The Services may contain links to third-party services. We do not own, operate, or control the websites of third-parties, including those of independently owned and operated franchisees. Accordingly, this Policy does not apply to any services maintained or operated by third-parties. When you click on those links, you will go to a third-party website where you will be subject to that service's privacy policy or similar statement and terms of use, and we encourage you to read that policy statement. We are not responsible for the privacy practices of other services, and we expressly disclaim any liability for their actions, including actions related to the use and disclosure of personal information by those third parties.

Section 19- Changes To This Policy

We may amend this Policy at any time. If we make any material change in how we collect, use, disclose or otherwise process personal information, we will prominently post a notice regarding such change on the Services. Where required to do so by law, we may seek your prior consent to any material changes we make to this Policy.