Privacy Policy

SquareTrade PRIVACY STATEMENT

Last Updated: July 1, 2020

Your privacy is very important to us. This Privacy Statement (“Statement”) describes the privacy practices of SquareTrade, Inc. and its subsidiaries, including, without limitation, CE Care Plan Corp., Complete Product Care Corp, Protection Plan Group, Inc., ST Product Care Corp, SquareTrade Protection Solutions, Inc., SquareTradeGo, Inc. and PlumChoice, Inc. (collectively "SquareTrade", “our” or "we"). This Privacy Statement explains the Personal Information (as defined below) we collect, why we collect it, how we use and share it and the choices you can make regarding your information.

“Personal Information” refers to information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly with a particular consumer or household (referred to as “you” in this Statement). “Personal Information” does not include publicly available information from government records or deidentified or aggregated information.

Use the Table of Contents to link directly to a specific section or scroll down to read the full Privacy Statement.

1. SUMMARY OF OUR PRIVACY STATEMENT

The following summarizes our Privacy Statement. For more detail, refer to the full Privacy Statement below. Refer to the Table of Contents to link directly to any section.

Information We Collect and How We Collect It. We collect various information about you in several ways and from several sources including:

  • Directly when you buy a service or product from us. Information collected may include name, address and other important identifying information,
  • Automatically when you interact with us online. Information collected may include IP address, cookies, browsing history and other device or internet information,
  • From other parties to help us set up, manage, protect or service your account, such as consumer reporting agencies, service providers, marketing companies and data providers, and
  • From third parties, such as affiliates or partners, when you request products, services or information from us through such affiliates or partners.

Use of Your Personal Information. We use your information for many different reasons, including to:

  • Provide and maintain your account, services and products,
  • Perform analytics and research studies to improve, develop and protect our sites, applications, services and products,
  • Let you know about updates or important information about your products,
  • Provide marketing or advertising that might be of interest to you, and
  • Protect our business, services, customers, sites or comply with legal requirements.

Sharing Your Personal Information. We do not sell your information. We do share your information with others for business purposes, including with:

  • Our affiliates,
  • Service providers,
  • Online and other marketing and advertising partners,
  • Third parties in connection with a business transaction, and
  • Law enforcement, regulators and other parties for legal reasons.

Cookies and Tracking Technologies: When you visit our sites or applications, view our emails or interact with our advertising, we and our service providers automatically collect information about your use of and access to the sites or applications and the device used. We collect this information through a variety of tracking technologies, including cookies, flash objects, web beacons and similar technology. This information may be combined with Personal Information we collect directly and may be used to improve, enhance and personalize your experience, monitor and improve our sites and applications and for other internal purposes.

Your Rights as a California Resident and Other Choices: As a California resident, you have certain rights including the right to access your Personal Information and the right to request deletion of your Personal Information. To learn more about these rights including how to make a request, refer to the full Privacy Statement below.

You may also have the right to make other choices about the use or sharing of your information for marketing purposes and may have additional rights to view or correct your Personal Information.

2. INFORMATION WE COLLECT AND HOW WE COLLECT IT

We collect Personal Information about you in several different ways and from several sources. We collect Personal Information from you when you provide it to us directly, including when you create an account with us, request products, services or information from us, register a claim with us, purchase products or services from us, participate in public forums or other activities on our sites, applications, or other services, send us messages or posts, respond to consumer surveys, or otherwise interact with us.

When you visit, download, and/or interact with our sites or applications, we and service providers use automatic data collection technologies such as cookies, flash cookies and web beacons to make our sites and applications more useful to you. These technologies collect information about your equipment, internet connection, browsing actions, and patterns, including Internet Protocol ("IP") address, browser type, internet service provider ("ISP"), referring/exit pages, operating system, date/time stamp, and clickstream data.

We and service providers also collect certain Personal Information when you download and use our applications, including your geographic location, how you use the applications, and the type of device you use. In the event our applications crash on your mobile device, we may receive information about your mobile device model, software version and device carrier. We may also collect information about you from third parties such as service providers and marketing companies.

The following are the categories of Personal Information that we may have collected about you for at least the past twelve (12) months and examples of the Personal Information that fall into those categories:

PERSONAL INFORMATION CATEGORIES EXAMPLES

PERSONAL IDENTIFIERS

Name, alias, signature, postal address, email address, unique personal identifier, online identifier, internet protocol (IP) address, phone number, description of your physical characteristics, insurance policy number, family member information, bank account number, credit card number or other payment or financial information, medical information or health insurance information, date of birth, Social Security number, driver's license number, state identification number, passport number, or other similar identifiers.

COMMERICAL INFORMATION

Records of personal property, account name, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION

Browsing history, search history, information regarding your interaction with our websites, application or advertisement, and mobile device information including device identifier or other.

MULTIMEDIA INFORMATION

Audio, electronic, visual or similar information.

EMPLOYMENT INFORMATION

Current or past job history or performance evaluations, job candidate profile and aptitude.

GEOLOCATION DATA

Physical location or movements, or trip tracking information.

Our sites are not intended for children. We do not market any products or services to children under the age of thirteen (13) or knowingly collect any information from children under the age of thirteen (13). We also do not sell the Personal Information of minors under sixteen (16) years of age.

3. USE OF YOUR PERSONAL INFORMATION

We use your Personal Information and other information for business purposes including to:

  • Provide and maintain your services and products. We may use your Personal Information to create, maintain, customize, and secure your account with us, provide you with features or services or otherwise register you with our services. We may also use your Personal Information to process your requests, purchases, transactions, payments and prevent transactional fraud.
  • Improve, develop and analyze our sites, services and products. We use your Personal Information and other information to:

    • analyze, improve, develop or deliver our Sites, products and services and develop new services, products or features using algorithms, analytics software and other similar methods,
    • conduct actuarial or research studies to maintain, protect and develop our networks, services, and products and protect our customers, and
    • analyze how visitors use our Sites to improve the Sites and enhance and personalize your experience.

    We collect some information used for these purposes using analytics software, cookies and other tracking technologies. For more information about the collection and use of this information, see Cookies and Other Tracking Technologies below.

  • Communicate with you about your service or product. We may communicate with you about your account or transactions with us, respond to your comments, questions or requests, provide customer service, provide you with notices or other communications, and send you information about features on our sites, applications, or other services or changes to our policies. With your consent, we may also post your testimonial along with your name and other information on our sites or other media channels.
  • Provide marketing communications. We may use your Personal Information to send you marketing communications (including newsletters, e-mails, direct mail, and phone calls), to send you offers and promotions for our products and services, and to personalize content and experiences on our sites or applications.
  • Comply with legal requirements and protect the safety and security of our business, services, and sites. We may use your Personal Information to comply with laws, regulations or other legal obligations, to assist in an investigation, to protect and defend our rights and property or the rights of third parties or enforce terms and conditions. We may also use your Personal Information to prevent suspected fraud, threats to our network or other illegal activities, prevent misuse or for any other reason permitted by law. We may use your Personal Information to protect our company, our affiliates, our customers, our network and our sites.
  • Update or correct our records. We may receive Personal Information about you from other sources, including publicly-available databases, affiliates or third parties from whom we have purchased data, and combine that Personal Information with other Personal Information we have about you to update our records. For example, we may obtain change of address information from public sources and use that Personal Information to update or correct your address information.

4. SHARING YOUR PERSONAL INFORMATION

We do not sell, nor have we sold within the last twelve (12) months, your Personal Information. We may share your Personal Information with our affiliates for business purposes consistent with the uses described in this Privacy Statement. We may also share information about you with third parties whenever you consent to or direct such sharing. We strive to work with companies that share our commitment to privacy. We may also share information with others in an aggregated or de-identified form that does not reasonably identify you.

We may also share your Personal Information or other information with service providers and other third parties for business purposes or as required or permitted by law including with:

  • Service providers: We may share your Personal Information with service providers, such as vendors, consultants, and other service providers, which process Personal Information on our behalf and to whom we disclose Personal Information for a business purpose pursuant to a written contract.
  • Marketing and advertising partners: We may share Personal Information and other information with third party online and other marketing and advertising partners or permit these partners to collect information from you directly on our sites to facilitate online advertising. The Cookies and other Tracking Technologies section below has more details about these activities.
  • Other parties at your direction: Personal Information may be disclosed to third parties if you elected to share your Personal Information with selected companies to send you offers and promotions about their products and services, or if you directed us to share your Personal Information with third-party sites or platforms, such as social networking sites. Once we share your Personal Information with such third parties, the information they receive is subject to the third parties’ Privacy Statement and privacy practices.
  • Third parties in connection with a business transaction: Personal Information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all of our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or related or similar proceeding.
  • Law enforcement, regulators and other parties for legal reasons: Personal Information may be disclosed to third parties, as required by law or subpoena, or if we reasonably believe such action is necessary to:

    • comply with the law and the reasonable requests of regulators, law enforcement or other public authorities,
    • protect our or others safety, rights or property,
    • investigate fraud or to protect the security or integrity of our sites or any product or services,
    • exercise or defend legal claims, and/or
    • collect, use, retain, sell, or disclose consumer information that is deidentified or aggregated information.

We share the following categories of Personal Information with the following parties:

Categories of Third Parties
Service Providers Marketing and Advertising Partners Third Parties in Connection with a Business Transaction Law Enforcement, Regulators or Other Parties for Legal Reasons

Categories of Personal Information

Geolocation Data
Internet or Other Electronic Network Activity Information
Multimedia Information
Personal Identifiers and Other Identifying Information
Commercial Information
Employment Information

5. COOKIES AND OTHER TRACKING TECHNOLOGIES

Technologies and Information Collected: When you visit our sites, we and our service providers automatically collect information about your use of and access to these sites. We collect this information through a variety of tracking technologies, including cookies, flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). Information we collect automatically about you may be combined with other Personal Information we collect directly. The information collected in this manner includes:

  • The site from where you accessed our sites, where you went to when you left the sites, how frequently you visit the sites, when and whether you open emails or click the links contained in emails, pages you visit on our sites, the links you click and ads you view, or your location when you access our sites,
  • Information about the computer, tablet, smartphone or other device you use, such as your IP address, browser type, Internet service provider, platform type, device type/model/manufacturer, operating system, date and time stamp, a unique ID that allows us to uniquely identify your browser, mobile device or your account (including, e.g., a persistent device identifier or an Ad ID), and other similar information,
  • Analytics information collected by us or via third party analytics tools, to help us measure traffic and usage trends for the sites and to understand more about the demographics and behaviors of our users, and
  • How often you use a mobile app, from where the app was downloaded, events that occur within the app, aggregated usage, and performance data.

Use of the information: We or our service providers may use the information collected through tracking technologies to improve, enhance and personalize your customer experience, to monitor and improve our sites and for other internal purposes such as:

  • Remembering information so that you will not have to re-enter it during your visit or the next time you visit the sites,
  • Provide custom, personalized content and information, including targeted content and advertising,
  • Identify and contact you across multiple devices,
  • Provide and monitor the effectiveness of our sites,
  • Perform analytics and detect usage patterns on our sites,
  • Diagnose or fix technology problems,
  • Detect or prevent fraud or other harmful activities, and
  • Otherwise to plan for and enhance our sites.

Our service providers include Adobe and Google. To learn about Adobe Analytics privacy practices or to opt-out of cookies set to facilitate reporting, click here. To learn more about Google’s privacy practices, click here. To access and use the Google Analytics Opt-out Browser Add-on, click here.

Your choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to change your browser settings to disable existing cookies, automatically request cookies or to notify you when you receive a cookie. However, if you disable, modify, or reject cookies, some parts or functionalities of our sites may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services.

Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to “Do Not Track” signals from your browser at this time.

6. YOUR RIGHTS AND CHOICES

We provide you with the ability to exercise certain rights and choices regarding your Personal Information. This Section describes your rights and how to exercise those rights.

To better protect you and your Personal Information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide several pieces of information, including, but not limited to, your name, address, email address and phone number. Once you submit an access or deletion request, we will use this information to verify your identity. Once we have verified your identity, we will notify you that your request has been confirmed.

To submit an access or deletion request, please click here to submit an online request or call us at 1-877-971-0011. Responses to a verified request may take up to 45 calendar days, or longer depending on the nature of the request. If additional time is needed, we will notify you of the additional time. We may only respond to two access requests within a twelve (12) month period.

Right to Know About Personal Information Collected, Used, Disclosed, or Sold: You have the right to request that we disclose certain information to you about our collection, use, disclosure, and sale of your Personal Information over the past twelve (12) months. Note, that we do not sell, nor have we sold within the last twelve (12) months, your Personal Information. You may request disclosure of any or all of the following:

  • Specific pieces of Personal Information we have collected about you;
  • Categories of Personal Information collected;
  • Categories of sources from which the Personal Information is collected;
  • Categories of third parties with whom we share Personal Information
  • The business purpose for collecting the Personal Information.

Right to Delete Personal Information: You have the right to request we delete Personal Information we collected from you and retained. We will delete your Personal Information in response to a verifiable request unless needed to:

  • Complete a transaction for which we collected the Personal Information, provide a good or service you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you,
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities,
  • Debug products to identify or repair errors that impair functionality,
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law,
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us,
  • Comply with a 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.

Authorized Agents: You may designate an authorized agent to submit an access or deletion request on your behalf. In order to verify that the agent is authorized to make a request on your behalf, we may require you to: (1) provide the authorized agent signed permission to submit a privacy request on your behalf, (2) verify your identity directly with us, and/or (3) directly confirm with us that you provided the authorized agent permission to submit the privacy request on your behalf.

Non-Discrimination Rights: You have the right not to receive discriminatory treatment by us for the exercise of your California privacy rights.

Additional Rights and Choices
In accordance with applicable law, you have the following additional rights:

  • You may correct, update and delete your account.
  • You may change your choices for subscriptions, newsletters, marketing and promotional communications. To unsubscribe from marketing and promotional communications, please click here: https://www.squaretrade.com/mktg-unsubscribe.
  • You may choose whether we share your Personal Information with other companies so they can send you offers and promotions about their products and services.
  • You may stop all collection of information by an application by uninstalling the application. You may use the standard uninstall processes as may be available as part of your mobile device or via the mobile application marketplace or network.

Notice to California Residents - Your California Privacy Rights (As Provided by California Civil Code Section 1798.83)
If you are a California resident, you can opt-out of our sharing of your Personal Information with third parties for the third parties' direct marketing purposes by contacting privacy@squaretrade.com. To find out more about your opt-out rights, please review our Privacy Statement or contact us at SquareTrade, Inc., Attn: Legal Department, 600 Harrison Street, Suite 400, San Francisco, CA 94107, or via e-mail at privacy@squaretrade.com.

7. OTHER CHOICES

Email Marketing: Each time you receive newsletters or emails from us that directly promote the use of our products and services, or third-party products and services, you may request to stop receiving further communications from us. You will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the email or newsletter or by contacting us. To opt-out from receiving marketing and promotional emails, please email us at privacy@squaretrade.com or contact us at SquareTrade, Inc., Attn: Legal Department, 600 Harrison Street, Suite 400, San Francisco, CA 94107.

If you opt-out from receiving marketing emails, we may still send you non-promotional emails such as emails about your products or services, our ongoing business relations, responses to your requests and inquiries, or service-related communications, including notices of any updates to terms and conditions or our privacy practices.

You may also change the communication preferences for your account by going to the My Profile page at http://www.squaretrade.com/my-warranties.

We are subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).

8. DATA TRANSFERS, STORAGE AND PROCESSING GLOBALLY

We operate globally and may transfer your Personal Information to our affiliates or partners companies, service providers, or third parties in locations around the world for the purposes described in this Privacy Statement. Wherever your Personal Information is transferred, stored or processed by us, we will take reasonable steps to safeguard the privacy of your Personal Information.

We comply with the U.S.-EU Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of Personal Information from European Union member countries.  We have certified that we adhere to the Privacy Shield Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement.  To learn more about the Privacy Shield program, and to view our certification, please visit http://www.privacyshield.gov.

If we transfer Personal Information received under the Privacy Shield to a third party, the third party’s access, use, and disclosure of the Personal Information must also be in compliance with our Privacy Shield obligations, and we will remain liable under the Privacy Shield for any failure to do so by the third party unless we prove we are not responsible for the event giving rise to the damage.

A Note to Users Outside of the United States. If you are a non-U.S. user of our sites, applications, or other services, by using these and providing us with data, you acknowledge and agree that your Personal Information may be processed for the purposes identified in the Privacy Statement. In addition, your Personal Information may be processed in the country in which it was collected and in other countries, including the United States, where laws regarding processing of Personal Information may be less stringent than the laws in your country. By providing your information, you consent to such transfer.

9. SOCIAL MEDIA, LINKS AND EXTERNAL SITES

Links to other company’s sites may be provided on our sites as a convenience to you. If you choose to go to these external sites, you will be subject to the privacy practices of those external sites; we are not responsible for the privacy practices of those sites. We encourage you to be aware when you leave our sites to read the privacy policies or statements of every site you visit, as those privacy policies or statements may differ from ours. Our Privacy Statement applies solely to the sites where this Privacy Statement appears.

Our sites include Social Media features, such as the Facebook Like button and widgets, such as the Share this button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social Media features and widgets are either hosted by a third party or hosted directly on our site. Your interactions with these features are governed by the privacy policy of the company providing it.

10. SECURITY

The security of your Personal Information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your Personal Information. However, no site, application, database or system is completely secure or “hacker proof.” So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your Personal Information against unauthorized disclosure or misuse.

We limit access to your Personal Information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.

11. CONTACT INFORMATION

If you have any questions or comments about this Privacy Statement or the privacy practices described herein, please contact us at SquareTrade, Inc., Attn: Legal Department, 600 Harrison Street, Suite 400, San Francisco, CA 94107, or via e-mail at privacy@squaretrade.com.

An individual, under certain conditions, may invoke binding arbitration for complaints regarding Privacy Shield compliance. For additional information, please visit https://www.privacyshield.gov/article?id=ANNEX-I-introduction.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

12. CHANGES TO OUR PRIVACY STATEMENT

We may periodically update or revise this Privacy Statement. The date at the top of this page shows when this Privacy Statement was last revised. We will let you know when we update the Privacy Statement by changing the date or other appropriate means.