Privacy Policy

Last Updated: 02/10/2024

At Neoage.com, we are committed to protecting your personal data and ensuring compliance with privacy laws across the U.S. This Privacy Policy outlines how we collect, use, and safeguard your personal data in accordance with state-specific laws (e.g., California CCPA/CPRA, Virginia Consumer Data Protection Act), sector-specific federal laws (e.g., HIPAA, Gramm-Leach-Bliley Act), and Federal Trade Commission (FTC) guidelines. By using our services, you agree to the practices described in this Privacy Policy.

1. INTRODUCTION

This Privacy Policy applies to all users of Neoage.com. It explains how we collect, process, and protect your personal data and details your rights under various state and federal laws.

For questions, complaints, or to exercise your privacy rights, please contact our Data Protection Officer (DPO) at compliance@neoage.us.

2. What personal data is collected by Neoage

By using Neoage services, you provide us with, and we collect, certain personal data relating to you. From the moment you interact with Neoage, we collect your personal data. In some cases, you directly provide your personal data to Neoage, but we may also collect your data automatically.

By accepting the terms of this Privacy Policy, you expressly agree to provide only true, current and accurate personal data and not to change your identity or your personal data in any way when accessing and using our products or services.

Personal data that may be requested:

  • Personal identification information: name, email and SSN/ITIN
  • Personal details: age, marital status and gender of the user
  • Family situation: who you live with
  • Education
  • Work situation: whether you are self-employed, unemployed, employed or retired
  • Habits of consumption
  • Financial situation: if you are negative or with some financial restriction

Personal data we collect from third parties:

  • Registration data, such as: name, date of birth, SSN/ITIN, telephone number and address
  • Data on financial restrictions, such as: negatives, amounts due and due dates
  • Credit history information
  • Score generated by credit bureaus
  • Information on debts falling due or overdue, co-obligations and guarantees

Browsing and device data:

  • IP address of the mobile device used to access
  • Interactions made and website usage profile
  • Technical data, such as URL, network connection, provider, and device information
  • Cookies
  • Device attributes such as ID, operating system, browser, and model
  • Device geolocation data if you authorize collection from your device
  • Application access logs
  • Date and time of use of the application
  • Navigation data, reflecting the areas visited

3. How Neoage uses your personal data

Neoage uses your personal data to be able to promote and offer the best products for you.

Neoage undertakes to continuously implement physical, technical and administrative information security measures in the processing of your personal data, in accordance with the best market practices.

4. COMPLIANCE WITH STATE-SPECIFIC PRIVACY LAWS

We comply with privacy laws enacted in various states, including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Utah (UCPA), and Connecticut (CDPA).

California (CCPA/CPRA)

  • Right to Know: You can request information about the personal data we collect, use, or safeguard.
  • Right to Delete: You can request the deletion of your personal data.
  • Right to Opt-Out: You can opt out of the sale or sharing of your personal information.
  • Sensitive Data: You have the right to limit the use of sensitive personal data.

Virginia (VCDPA) & Colorado (CPA)

  • Right to Access: You have the right to access, correct, and delete your personal data.
  • Right to Opt-Out: You can opt out of processing your data for targeted advertising or profiling.
  • Data Protection Assessments: We conduct assessments to evaluate risks associated with high-risk processing.

5. FEDERAL LAW COMPLIANCE

While the U.S. does not have a unified federal privacy law, we comply with relevant sector-specific regulations:

Health Insurance Portability and Accountability Act (HIPAA)

If your personal data is related to healthcare, we comply with HIPAA's data protection requirements.

Gramm-Leach-Bliley Act (GLBA)

If your personal data relates to financial services, we comply with the Gramm-Leach-Bliley Act, which protects sensitive financial information.

Children's Online Privacy Protection Act (COPPA)

Our services are not directed at children under 13. We do not knowingly collect personal information from children.

6. FEDERAL TRADE COMMISSION (FTC) GUIDELINES

We adhere to FTC guidelines for fair and transparent data collection practices:

  • Transparency: Clearly disclosing how we collect, use, and safeguard your data
  • Fairness: Not engaging in deceptive practices or unfair methods in data usage
  • Security: Implementing strong security measures to protect your personal data

7. TELEPHONE CONSUMER PROTECTION ACT (TCPA) COMPLIANCE

Under the TCPA, we only send marketing communications via phone or SMS if you have opted in:

  • Opt-In Consent: We will not contact you without your explicit consent
  • Opt-Out: You may opt-out of receiving communications at any time
  • Do Not Call Registry: We respect your National Do Not Call Registry registration

8. DATA USAGE

We may use your data with trusted third-party service providers for operational purposes such as hosting, analytics, and marketing. These providers are obligated to use your data only as instructed by us and to comply with all applicable privacy laws.

9. DATA SECURITY

We implement industry-standard security measures, including encryption, access controls, and continuous monitoring, to protect your personal data. However, no system is completely secure, and we cannot guarantee absolute security.

10. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to enhance user experience and for analytics. You can manage cookie preferences in your browser settings. However, disabling cookies may affect certain functionalities of our website.

11. CHILDREN'S PRIVACY

Our services are not intended for individuals under 18. We do not knowingly collect personal data from minors. If you believe we have inadvertently collected data from a child under 18, please contact us to have it removed.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy to reflect changes in our practices or regulatory requirements. Any updates will be posted on this page, and we will notify users via email or a prominent notice on our website for significant changes.

13. CONTACT US

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Data Protection Officer (DPO):

Email: compliance@neoage.us

Neoage ofrece contenido gratuito sobre tarjetas de crédito, préstamos, bancos digitales y servicios financieros de terceros. No somos un prestamista, emisor o institución financiera y no somos responsables de productos de terceros. El contenido es solo para fines informativos y no constituye asesoramiento financiero; consulte a profesionales. Las aprobaciones y términos (12-60 meses, APRs 3-22%) dependen del emisor. Ejemplo: un préstamo de $10,000, 36 meses, 3% APR, cuesta $10,470. La disponibilidad, características y horarios varían según el proveedor y la región. Podemos recibir comisiones de afiliados.

Consulte la Política de Privacidad y los Términos de Servicio de Neoage para obtener detalles sobre nuestras prácticas de información.

Operado por Neoage Ventures LLC — 7345 W SAND LAKE RD STE 210 OF 4577, Orlando, FL 32819. Contacto: compliance@neoage.us

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