Online Privacy Policy

Last modified: 08/1/2023

Introduction

Your privacy is important to us. This Online Privacy Policy describes how Skopos Financial, LLC, doing business as Reprise Financial (“we,” “us,” “our,” and “Reprise Financial”), manage personal information about you when you visit, use and obtain services through our websites, mobile applications and social Sites (each, a “Site”; together, our “Sites”).

If you need to access this Online Privacy Policy in an alternative format due to having a disability, please contact (877) 505-6780 or [email protected].

This Online Privacy Policy describes the types of information we may collect from and about you when you visit, use and obtain services through our Sites. This Online Privacy Policy also describes our practices for using, keeping, protecting and disclosing this information.

This Online Privacy Policy generally applies to:

  • The information we collect on this Site.

  • The information we collect through the electronic messages exchanged between you and this Site.

  • The information we collect when you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Online Privacy Policy.

Unless otherwise noted in this Online Privacy Policy, it does not apply to:

  • The information we may collect offline or in any manner that does not involve use of our Sites.

  • The information collected about you by any third party, including through any application or content (including advertising) that may link to or be accessible from or on this Site.

If you request or obtain any financial product or service from or through us, using this Site or otherwise, we will collect, use, protect, and share this type of information in accordance with our Financial Privacy Policy. This Online Privacy Policy covers privacy matters that are not covered by our Financial Privacy Policy. So you should read it carefully to understand our financial privacy practices and your options regarding this nonpublic personal information about you.

If you request or obtain any financial product or service from WebBank, using this Site or otherwise, WebBank will collect, protect, and share information about you in accordance with the WebBank Privacy Notice.

Our Site and online services are intended only for a United States audience. If you visit our Site and use our online services, you understand and agree your information may be processed in and transferred to the United States, subject to the terms of this Online Privacy Policy.

Please read this Online Privacy Policy carefully to understand our policies and practices related to your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Site. By accessing or using this Site, you agree to this Online Privacy Policy.

This Online Privacy Policy may change from time to time, as explained in the section called Changes To Our Privacy Policy. Please check our Online Privacy Policy periodically for updates. You can find the date when we last modified this Online Privacy Policy at the beginning of the document. If you continue using our Site after we make changes to the Online Privacy Policy, you agree that this means you are accepting those changes.

Children Under the Age of 18

Our Site is not intended for children under 18 years of age. No one under age 18 may provide personal information through our Site. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Site or through any of its features. If you are under 18, do not register on the Site, do not request any services or make any purchases through the Site, and do not provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. 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 using one of the methods described in the Contact Information section.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Site, including:

  • Information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline (“personal information“); and/or

  • Information about your internet connection, the equipment you use to access our Site, usage details, and information that may be about you but that does not individually identify you.

We collect this information:

  • Directly from you when you provide it to us.

  • Automatically as you navigate through the Site. Information collected automatically may include usage details, Internet Protocol (IP) addresses, and information collected through cookies, web beacons, page tags, pixels and other tracking technologies.

  • From third parties, for example, our business partners.

 

Information You Provide to Us

The information we collect on or through our Site may include:

  • Information that you provide by filling in forms and fields on our Site. This includes information that you provide to request or obtain services or information through the Site. We may also ask you for information when you report a problem with our Site or when you enter a contest or promotion that we sponsor.

  • Records and copies of your correspondence (including email addresses), if you contact us.

  • Details of transactions you carry out through our Site and of the fulfillment of your orders. You may be required to provide financial information before requesting services through our Site.

  • Your search queries on the Site.

 

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources you access and use on the Site.

  • Information about your computer and Internet connection, including your IP address, operating system, and browser type.

You may review the section below called How We Respond To Do Not Track Signals for more information about how we respond to do-not-track browser signals and other methods.

The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. The information we collect automatically helps us to improve our Site and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.

  • Store information about your preferences, allowing us to customize our Site according to your individual interests.

  • Speed up your searches.

  • Recognize you when you return to our Site.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site.

  • Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see the section below called Choices About How We Use and Disclose Your Information.

  • Web Beacons. Pages of our the Site and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

 

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Site and its contents to you.

  • To provide you with information, products, or services that you request from us.

  • To fulfill any other purpose for which you provide it.

  • To provide you with notices about the services you may request and obtain from us, including expiration and renewal notices.

  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

  • To notify you about changes to our Site or any products or services we offer or provide though it.

  • In any other way we may describe when you provide the information.

  • For any other purpose with your consent.

 

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this Online Privacy Policy:

  • To WebBank, member FDIC.

  • To our subsidiaries and affiliates.

  • To contractors, service providers, and other third parties we use to support our business.

  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

  • To fulfill the purpose for which you provide it.

  • For any other purpose disclosed by us when you provide the information.

  • With your consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

  • To enforce or apply our Terms of Use and other agreements, including for billing and collection purposes.

  • If we believe disclosure is necessary or appropriate to protect our own rights, property, or safety, or the rights, property, or safety of our customers or others. This may include exchanging information with other companies and organizations for fraud protection and risk reduction purposes.

 

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Site may then be inaccessible or not function properly.

  • Promotional Offers From Us. If you do not wish to have your email address used by us to promote our own or third parties’ products or services, you can opt-out of these types of email communications in the future by sending us an email stating your request to [email protected] If we have sent you a promotional email, you may also use the opt-out link in the email to stop receiving future promotional emails.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

How We Respond To Do Not Track Signals

At this time, we are unable to respond to do-not-track signals from your web browser and other mechanisms that enable consumers to exercise choice about behavioral tracking.

Accessing and Correcting Your Information

You can review and change your personal information by logging onto the Site and visiting your account profile page.

You may also send us an email at [email protected] to request access to, correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Site, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Site.

Residents of California

California residents have certain rights in relation to their personal information pursuant to the California Consumer Privacy Act (CCPA). For additional information, please refer to our Privacy Notice for California Residents.

Mobile Information

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. This includes affiliate or business partners. The Opt in is not transferable to another party involved in their process.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account or through a notice on the Site home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Site and this privacy policy to check for any changes.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, please contact us at: