Privacy Policy

Who we are

Our website address is: https://www.porchlightfinancialservices.com.

Protecting your private information is our priority. This statement of Privacy applies to www.porchloghtfinancialservices.com, and Porchlight Financial Services, LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Porchlight Financial Services, LLC include www.porchlightfinancialservices.com and Porchlight Financial Services. The Porchlight Financial Services website is ecommerce site. By using the Porchlight Financial Services website, you consent to the data practices described in this statement.

What personal data we collect and why we collect it

In order to better provide you with products and services offered, Porchlight Financial Services may collect personally identifiable information such as your:

  • First and Last Name
  • Mailing Address
  • E-mail Address
  • Phone Number
  • Employer
  • Job Title

We do not collect any personal information about you unless you voluntarily it to us. However, you may be required to provide certain personal information to us when you elect to use certain products of services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To, wit, we will use your information for, but no limited to, communicating with you in relation to services and/pr products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your personal Information

Porchlight Financial Services collects and uses your personal information to operate and deliver the services you have requested.

Porchlight Financial Services may also use your personally identifiable information to inform you of the other products or services available from Porchlight Financial Services and its affiliates.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Contact forms

We collect information through contact forms, though this

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Analytics

We may keep track of the pages and website functions our users are visiting, this is to better understand the needs of our customers. This information is also used to determine what Porchlight Financial Services are most popular.

Sharing information with Third Parties

Porchlight Financial Services does not sell, rent, or lease its customer lists to third parties.

Porchlight Financial Services may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Porchlight Financial Services, and they are required to maintain the confidentiality of your information.

Porchlight Financial Services may disclose your personal information, without notice, if required to do so law or in the good faith belief that such action is necessary: (a) conform to the edicts of the law or comply with legal process served on Porchlight Financial Services or the site; (b) protect and defend the rights or property of Porchlight Financial Services; and/or (c) act under exigent circumstances to protect the personal safety of users of Porchlight Financial Services, or the public.

If you request a password reset, your IP address will be included in the reset email.

Tracking User Behavior

Porchlight Financial Services may keep track if the websites and pages our users visit within Porchlight Financial Services, in order to determine what Porchlight Financial Services are the most popular. This data is used to deliver customized content and advertising within Porchlight Financial Services to customers whose behavior indicates that they are interested in a particular subject area.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Your contact information

If you have concerns or questions about our privacy policy or your information please contact us at:

Nick@porchlightfinancialservices.com

(802) 522-0669

Additional information

How we protect your data

Porchlight Financial Services secures your personal information from unauthorized access, use, or disclosure. Porchlight Financial services uses the following methods for this purpose:

  • SSL Protocol
  • Website uses Ithemes Security

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Security of your Personal Information

Porchlight Financial Services secures your personal information from unauthorized access, use, or disclosure. Porchlight Financial Services uses the following methods for this purpose:

  • SSL Protocol
  • Website uses Ithemes Security.

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

Children Under Thirteen

Porchlight Financial Services does not knowingly collect personally identifiable information from children under the age of thirteen, If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

E-mail Communication

From time to time, Porchlight Financial Services may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve and Services, we may receive a notification when you open an email from Porchlight Financial Services or click on a link therein.

Changes to this Statement

Porchlight Financial Services reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgement of the modified Privacy Policy; and (b) agreement to abide and be bound by the policy.

Right to Deletion

Subject to certain exceptions set out below, on a receipt of a verifiable request from you, we will:

  • Delete your personal information from our records; and
  • Direct any service providers to delete your personal information from their records

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

  • Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between us;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  • Debug to identify and repair errors that impair existing intended functionality;
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided by the law;
  • Comply with California Electronic Communications Privacy Act;
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
  • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • Comply with an existing legal obligation; or
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Contact Information

Porchlight Financial Services welcomes your questions or comments regarding this Statement of Privacy. If you believe that Porchlight Financial Services has not adhered to this Statement, please contact Porchlight Financial Services at:

Porchlight Financial Services, LLC, 464 Cutler Corner RdBarre, Vermont, 05641
Email: Nick@porchlightfinancialservices.com
Telephone number: (802)552-0669


Effective as of February 21st, 2021