AGREEMENT TO TERMS
iBynd is not responsible for, any interactions between you and any other individual or entity through our Site, any interaction between you and any other individual or entity through our Site, is solely between you and that other entity. iBynd expressly disclaims any responsibility for any interactions between you and an individual or entity through our Site, or to any services or products acquired or made available through our Site.
We do not intend for the Site to be used by persons or entities in countries or jurisdictions outside of the United States that require us to obtain a registration or license. If you are in such a country or jurisdiction, you are not authorized to and agree that you will not use the Site.
STATE INSURANCE LICENSES
Information regarding iBynd’s state insurance agency licenses may be found here. All insurance products on the Site are underwritten by a third-party insurance company. All decisions regarding any insurance products, including approval, premium, commissions and fees, will be made solely by the authorized insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Please consult the policy for the exact terms and conditions. No warranty, guarantee, or representation, either express or implied, is made as to the correctness or sufficiency of any information contained on the Site. Insurance coverage may not be available in your state. iBynd may receive a commission from an insurer or other intermediary and/or additional compensation in connection with the sale of insurance to you.
INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights laws of the United States, foreign jurisdictions, and international conventions.
Provided that you are eligible to use the Site, you are granted a limited right to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for the strict purposes of learning about or purchasing Services on the Site. We reserve all rights in and to the Site, the Content and the Marks.
By using the Site, you represent and warrant that:
You may be required to register with the Site. You agree to keep your username and password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
You may not access or use the Site for any purpose other than that for which we make the Site available, including, but not limited to the following prohibitions on use.
SUBMISSIONS AND FEEDBACK
The Site may contain functionality that permits you to comment on articles; share materials; provide ideas, proposals, suggestions (“Feedback”); or otherwise make available certain materials through or in connection with your use of the Site (collectively, “Submissions”).
Whether related to the Site or otherwise, you acknowledge and agree that your Submissions are not confidential; that your provision of Submissions is gratuitous, unsolicited and without restriction; and that the provision of any Submission does not place us under any fiduciary or other obligation.
We may (but have no obligation to) monitor, evaluate, alter or remove Submissions before or after they appear on the site; however, we have no control over and are not responsible for any use or misuse (including any distribution) by any third party of Submissions.
THIRD-PARTY WEBSITES AND CONTENT DISCLAIMER
Our Site are available for informational purposes only. The information provided in this Site is strictly for reference only and is not in any manner a substitute for your own investigation nor is it intended to be a substitute for professional tax, legal, or financial advice.
The Site may contain (or you may be sent via the Site) links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, pictures, designs, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”).
Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content.
You should review the applicable terms and policies, including privacy and data gathering practices, of any Third-Party Websites to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through such Third-Party Websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party operator of such Third-Party Websites.
You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any claims, losses, damages or harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or your contact with Third-Party Websites.
We make no representations or warranties regarding the quality or accuracy of any Third-Party Websites or Third-party Content contained in the Site. IN NO EVENT WILL WE BE LIABLE, DIRECTLY OR INDIRECTLY, TO ANYONE FOR ANY DAMAGES OR LOSSES ARISING FROM OR RELATING TO ANY USE OR RELIANCE ON ANY PRODUCTS, SERVICES, OR OTHER CONTENT RELATING TO LINKED SITES.
iBynd does not recommend or endorse any specific plan, product offering or provider, or any other information that may be mentioned on the Site or that may be offered by or through another insurance broker or intermediary to whom we may refer you. Reliance on any information provided by iBynd is solely at your own risk.
YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS WITH THE THIRD PARTY PROVIDERS, INCLUDING, WITHOUT LIMITATION, PROFESSIONALS, INSURANCE BROKERS OR INSURANCE COMPANIES. YOU UNDERSTAND THAT IBYND DOES NOT IN ANY WAY SCREEN ITS THIRD PARTY PROVIDERS, NOR DOES IBYND INQUIRE INTO THE BACKGROUNDS OF SUCH THIRD PARTY PROVIDERS OR ATTEMPT TO VERIFY THE STATEMENTS, REPRESENTATIONS OR WARRANTIES OF SUCH THIRD PARTY PROVIDERS. IBYND MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONDUCT OF THIRD PARTY PROVIDERS, THEIR COMPATIBILITY WITH ANY CURRENT OR FUTURE USERS OF THE SITE, OR THE QUALITY OF ANY GOODS OR SERVICES OFFERED BY ANY THIRD PARTY PROVIDERS. IN NO EVENT SHALL IBYND BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO ANY ACT OR OMISSION OF ANY THIRD PARTY PROVIDER, OR ANY GOODS OR SERVICES OF ANY THIRD PARTY PROVIDERS. YOU AGREE TO TAKE REASONABLE PRECAUTIONS IN ALL INTERACTIONS WITH THIRD PARTY PROVIDERS. YOU UNDERSTAND THAT IBYND MAKES NO WARRANTIES OR GUARANTEES, EITHER EXPRESS OR IMPLIED, REGARDING THE QUALITY OR APPROPRIATENESS OF ANY OF THE GOODS OR SERVICES OFFERED BY ANY THIRD PARTY PROVIDER TO ANY USER OF THE SITE.
We reserve the right, but not the obligation, to:
DISCLAIMER OF WARRANTY
USE OF THIS SITE IS AT YOUR SOLE RISK. ALL MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, AND SERVICES ARE PROVIDED "AS IS," WITH NO WARRANTIES OR GUARANTEES WHATSOEVER. IBYND EXPRESSLY DISCLAIMS TO THE FULLEST EXTENT PERMITTED BY LAW ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, GUARANTEES, OR REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY AND INTELLECTUAL PROPERTY RIGHTS. WITHOUT LIMITATION, IBYND MAKES NO WARRANTY OR GUARANTEE THAT THIS SITE WILL BE UNINTERRUPTED, TIMELY, OR SECURE,. IBYND DOES NOT WARRANT THAT THE SITE CONTAINS ACCURATE INFORMATION OR WILL BE FREE FROM BUGS, DEFECTS OR ERRORS, OR ACCESSIBLE WITHOUT INTERRUPTION.
YOU UNDERSTAND AND AGREE THAT IF YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIALS, INFORMATION, PRODUCTS, SOFTWARE, PROGRAMS, OR SERVICES FROM THIS SITE, YOU DO SO AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES THAT MAY RESULT, INCLUDING LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY
MODIFICATIONS AND INTERRUPTIONS
ANY ACTION OR PROCEEDING UNDER THESE TERMS WILL TAKE PLACE ONLY ON AN INDIVIDUAL BASIS; CLASS ACTIONS AND PROCEEDINGS ARE NOT PERMITTED. YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND IBYND ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY AND TO PARTICIPATE IN A CLASS ACTION.
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes (“AAA Consumer Rules”), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Bergen County, New Jersey.
If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Bergen County, New Jersey, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.
In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than one year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.
The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.
There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Site, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
We will maintain certain data that you transmit to the Site for the purpose of managing the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data. You acknowledge and agree that we may disclose information you provide (including, without limitation, personally identifiable information) if required to do so by law, at the request of a third party (including, without limitation, law enforcement agencies), or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement; (ii) protect or defend our, or a third party’s rights or property; or (iii) protect someone’s health or safety, such as when harm, violence or abuse against any person is threatened.
ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.
YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE.
You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
CALIFORNIA USERS AND RESIDENTS
Pursuant to California Civil Code §1789.3, California residents are also entitled to the following specific consumer rights notice: Complaints regarding the Site or Services or requests to receive further information regarding use of the Site or Services may be sent to our address below or to email@example.com
The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite N112, Sacramento, CA 95834 or by telephone at (916) 445-1245 or (800) 952-5210. Hearing impaired persons may call TDD (800)-326- 2297 or TDD (916)-928-1227, see www.dca.ca.gov for additional information.
In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:
Integrated Bind, LLC
600 Sylvan Avenue
Englewood Cliffs, NJ 07632
DIGITAL MILLENNIUM COPYRIGHT ACT
The Digital Millennium Copyright Act of 1998 (17 U.S.C. § 512) (the “DMCA”) provides recourse for any material appearing on our site that you believe is infringing your rights under U.S. copyright law. We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with the DMCA and other applicable law. If you believe any materials accessible on or from this Site infringe your copyright, you, or your agent, may request removal of those materials (or access to them) from the Site by submitting written notification to our copyright agent designated below. As set forth in the DMCA, the written notice (the "DMCA Notice") must include substantially the following:
Our designated copyright agent to receive DMCA Notices is:
600 Sylvan Avenue, Englewood Cliffs, NJ 07632
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective. Please be aware that if you knowingly materially misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.
Last updated November 16, 2021
How We Collect Personal and Non-Personal Information through the Online Services
We collect two kinds of information through the Online Services: non-personal information and personal information.
The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).
We collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests, or other information that you choose to provide to us, but only when you voluntarily provide it. If you choose to apply for a product or service, we may collect personal information about you from other sources, as described below. If you apply for a job with us, we may collect personal information about your work and educational history. We may also collect personal information through your use of the Online Services, such as your IP address or Device ID.
Sources of Personal Information We Collect
The type of personal information we collect depends on the product or service (if any), or other interaction, that you have with us. We may collect the categories of personal information listed above from the categories of sources described in the Sources of Personal and Non-Personal Information We Collect section below.
Sources of Personal and Non-Personal Information We Collect
We may collect personal and non-personal information from the following sources:
How We Use and Share Your Information
We may use and share the information we collect through the Online Services for a number of purposes including:
to provide you with, renew or modify products and services;
We also may anonymize, combine or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.
In addition, we may share your information in the following circumstances:
If you provide us with personal information in connection with products or services that we provide to you primarily for personal, family or household use, we will not sell, license, transmit or disclose this information outside of the iBynd affiliates unless:
The privacy of children online is an important issue to iBynd, and iBynd encourages parents to supervise their children’s activities online. iBynd does not seek or knowingly collect personal information from children under the age of 13. iBynd requests that children under the age of 13 not disclose or provide any personal information through the Online Services. If we learn that we have received information directly from a child who is under the age of 13, we will take appropriate action in accordance with applicable law. To learn more about the Children’s Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission's website at https://www.ftc.gov/.
How We Use “Cookies” and Other Data Collection Tools
Why are cookies important for the use of iBynd websites?
Types of Cookies
Cookies may be either “persistent” cookies or “session” cookies. This website uses both persistent and session cookies.
A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyze (on an anonymous basis) traffic and use of this website, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiration date (unless deleted by the user before the expiration date).
A session cookie is essential to ensure the correct functioning of this website and is used to manage registration/login and access to reserved features. It is stored temporarily during a browsing session and will expire at the end of the user session, when the web browser is closed.
It is also important to be aware that some cookies (which are generally session cookies) are what is known as strictly necessary. Strictly necessary cookies enable you to move around the website and use features which you have explicitly requested. You can disable other forms of cookie while allowing strictly necessary cookies - see “Your Cookies Choices” below.
Clear GIFs, pixel tags, and other technologies. In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites).We use clear GIFs and click stream data to gather data about your visit to our web sites and in connection with emails to track response rates. The data may include information about your device, such as your IP address, but does not identify you by name. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other information, such as your IP address; but we still obtain a record of a visit. In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data, and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.
Your Cookie Choices
You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.
Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly and may lead to a less smooth or less personalized browsing experience.
You should visit the “Help” section of your browser for how to manage your cookie settings, or follow the links below:
For further general information on cookies and more detailed advice on how to disable and enable them please go to http://www.allaboutcookies.org.
Opting-out of Third Party Ad Networks
You may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.
Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.
Security of Internet Communications
The Internet is not a secure medium. Unfortunately, no method of transmitting or storing data can be guaranteed to be secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to iBynd over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.
How to Contact Us and Access and Correct Your Information
If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter or email to the address below with your question or requesting to see your information.
Please address requests to:
Integrated Bind, LLC
Attention: Privacy Inquiries
600 Sylvan Avenue
Englewood Cliffs, NJ 07632
Links to Other Sites
We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.
Note to International Users
ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS (EFFECTIVE ON JANUARY 1, 2020)
If you would like to go directly to the section of this notice disclosing the categories of personal information that we collect, please click here.
If you would like to exercise your rights under the California Consumer Privacy Act, please email us at firstname.lastname@example.org or by calling us at the following toll-free telephone number 1-833-429-6301
We may collect personal information about a variety of California residents, including actual and prospective policyholders, representatives of corporate policyholders, other insured persons, third party claimants, actual and prospective agents or business partners, brokers and iBynd service providers. The type of personal information we collect depends on the context in which your information is collected, as well as the product or service (if any) that you have with us. The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we may have collected in the prior 12 months and disclosed to others for a business purpose. We collect these categories of personal information from the sources described in the “Sources of Personal Information We Collect” section above, and for the purposes described above in the "How We Use and Share Information” section. Note that our collection, use and disclosure of personal information about you will vary depending upon the circumstances and nature of our interactions or relationship with you.
Disclosures: We may disclose for a business purpose each of the categories of personal information described in the table below to the following categories of other entities: service providers, agents, regulators, auditors, counsel, consultants, reinsurers, advisors, representatives, affiliates, advertising networks, banks, operating systems/platforms, law enforcement, government entities, tribunals and courts.
As described in more detail below, we do not sell personal information subject to the CCPA.
About the chart below: Some personal information included in the categories below may overlap with other categories.
For more details on how we share personal information, see the How We Use and Share Your Information section above
We may use the information we collect for a number of business or commercial purposes, including the purposes listed in the How We Use and Share Your Information section above.
We do not sell personal information subject to the CCPA. Our business practice is not to sell personal information that is subject to the CCPA even within the meaning of the broad definition of “sale” in the CCPA, and we are not selling and do not have plans to sell personal information of California residents. However, we support consumer choice regarding use of consumers’ personal information and for this reason, refer you to the “Right to Opt-out of Sales” section immediately below for more information on how to register your choice with us with regard to future uses of your personal information.
Your CCPA Rights and Choices
The CCPA provides California residents with specific rights regarding their personal information. This section describes your rights under the CCPA and explains how to exercise those rights. Subject to certain exceptions, California consumers have the right to make the following requests:
Right to Opt-out of Sales: We do not sell personal information of California residents.
Right to Delete: You have the right to request that we delete the personal information that we have collected and retained (without charge), unless an exemption applies. Once we receive and verify your request, we will delete (and, if applicable, direct our service providers to delete) your personal information from our records, unless an exemption applies.
Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (up to twice per year and subject to certain exceptions). Once we receive and verify your request, we will disclose to you as required:
Submitting Requests: You can submit a deletion or right to know request by either:
We will respond to verifiable requests received from California residents as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information that you provide with the information we have in our records and/or requiring authentication through your usual log-in credentials if you are an accountholder. You must provide us with your name, email address, and physical address. In some cases, we may request additional information in order to verify your request or where necessary to process your request. We may also carry out checks, including with third party identity verification services, to verify your identity before taking any action with your personal information. If we are unable to adequately verify a request, we will notify the requestor.
Non-Discrimination and Financial Incentives: You have the right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. We will not discriminate against you for exercising any of your CCPA rights or impose unreasonable requirements on financial incentives offered to California consumers related to your personal information. We may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of your personal information.
Integrated Bind, LLC
Attention: Privacy Inquiries
600 Sylvan Avenue
Englewood Cliffs, NJ 07632
Last Updated: November 16, 2021