LOA respects your privacy
LOA and its subsidiaries respect your privacy. This Privacy Statement informs you of our privacy practices and of the choices you can make about the way your information is collected online and how that information is used. This statement is readily available on our home page and at the bottom of every LOA Web page.
1. Sites covered by this Privacy Statement
Links to non-LOA websites
2. Collection of personal information
To serve you better and understand your needs and interests, LOA collects, exports, and uses personal information with adequate notice and consent, along with required filings with data protection authorities, when applicable. For example, when you order products or services, apply for instant credit, request information, subscribe to marketing or support materials, register yourself or your LOA products, enter contests or participate in surveys, or apply for a job at LOA, we will ask you to provide personal information to complete these transactions. The types of personal information you provide to us on these pages may include contact information such as your name, address, telephone number, and email address; financial information such as your credit card number; and other unique information such as user IDs and passwords, billing and transaction information, product and service preferences, contact preferences, educational and employment background, and job interest data. If you apply for instant credit, we will ask you to provide additional sensitive personal information such as salary, Social Security number and banking information. This information will be used by our financial services providers in determining whether to extend you credit.
If you choose to use a tell-a-friend program on our site, we will ask you for your friend’s e-mail address and automatically send your friend a one-time e-mail inviting your friend to visit the site. LOA uses and stores this information only for the purpose of sending this one-time e-mail and to provide tell-a-friend message blocking, where available.
In addition to the information you provide, LOA may also collect information during your visit to an LOA website through our Automatic Data Collection Tools, which include Web beacons, cookies, embedded Web links, and other commonly used information-gathering tools. These tools collect certain standard information that your browser sends to our website such as your browser type and language, access times, and the address of the website from which you arrived at an LOA website. They may also collect information about your Internet Protocol (IP) address, clickstream behavior (i.e. the pages you view, the links you click, and other actions you take in connection with LOA websites) and product information. An IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers use IP addresses to communicate on the Internet, allowing users to browse and shop. LOA may also use some of these Automatic Data Collection Tools in connection with certain emails sent from LOA and therefore may collect information using these tools when you open the email or click on a link contained in the email.
LOA also collects information from commercially available sources that it deems credible. Such information may include your name, address, email address and demographic data. The information LOA collects from its commercial sources may be used along with the information LOA collects when you visit LOA’s websites. For example, LOA may compare the geographic information acquired from commercial sources with the IP address collected by Automatic Data Collection Tools to derive your general geographic area.
3. How we use your information
The information LOA collects to understand your needs and interests helps LOA deliver a consistent and personalized experience. For example, LOA may use your information to:
- assist you in completing a transaction or order;
- prevent and detect fraud or other malicious activity;
- communicate with you about products and services;
- provide service and support;
- update you on new services and benefits;
- provide personalized promotional offers;
- select content to be communicated to you;
- personalize some LOA websites;
- allow you to participate in contests and surveys; and
- contact you for market research regarding LOA products or services.
We will give you the opportunity to choose your privacy preferences regarding the communications we send.
The testimonials posted on our Web site are only posted with the expressed permission of the individual or company who provided that testimonial.
Credit card information is used only for payment processing and fraud prevention. Credit card information and other sensitive personal information required to process a credit decision is not used for any other purpose by our financial services providers or LOA and will not be kept longer than necessary for providing the services, unless you ask us to retain your credit card information for future purchases.
4. How we share your information
LOA will not sell, rent or lease your personal information to others except as described in this Statement. LOA shares personal information in the following ways:
LOA retains service providers and suppliers to deliver complete products, services and customer solutions and to assist LOA with marketing and communication initiatives. These providers and suppliers include, for example, credit card processors, providers of customer support and live-help, email service providers, automated data processors, and shipping agents. Suppliers and service providers are required by contract to keep confidential the information received on behalf of LOA and may not use it for any purpose other than to carry out the services they are performing for LOA.
Except as described in this Statement, LOA will not share the personal information you provide to LOA with non-LOA third parties without your permission, unless to: (i) respond to duly authorized information requests of police and governmental authorities; (ii) comply with any law, regulation, subpoena, or court order; (iii) help prevent fraud or to enforce or protect the rights and properties of LOA or its subsidiaries; or (iv) protect the personal safety of LOA employees and third parties on LOA property.
Circumstances may arise where, whether for strategic or other business reasons, LOA decides to sell, buy, merge or otherwise reorganize businesses in some countries. Such a transaction may involve the disclosure of personal information to prospective or actual purchasers, or the receipt of it from sellers. It is LOA’s practice to seek appropriate protection for information in these types of transactions.
5. Children’s privacy
LOA does not knowingly collect information from children under the age of 13 and does not target its websites to children under 13. We encourage parents and guardians to take an active role in their children’s online activities and interests.
6. Your choices and selecting your privacy preferences
LOA gives you the choice of receiving a variety of information that complements our products and services. You can subscribe to receive certain product- and service-specific information and also choose to receive LOA general communications. We give you a choice regarding delivery of LOA general communications by postal mail, email and telephone.
You can make or change your choices about receiving either subscription or general communications at the data collection point or by using other methods, which are listed in the following sections. This option does not apply to communications primarily for the purpose of administering order completion, contracts, support, product safety warnings, driver updates, or other administrative and transactional notices as the primary purpose of these communications is not promotional in nature.
The email communications that you receive from LOA will be provided in accordance with this statement. Some email communications may utilize automatic data collection tools.
Subscription communications include email newsletters, software updates, etc. that may be expressly requested by you or which you consented to receive. After you request such communications, you may opt out of receiving them by using one of the following methods:
- Select the email “opt out” or “unsubscribe” link, or follow the opt-out instructions included in each subscription communication.
- Return to the Web page(s) where you originally registered your preferences and follow the opt-out instructions. Access to many LOA subscriptions is available at the Member Services page.
- Write to the LOA Privacy Office. Be sure to provide your name, email and postal address, and specific relevant information about the LOA subscriptions that you no longer wish to receive.
Please be aware that when you opt out of receiving certain subscription communications, it may affect the services you have chosen to receive from LOA where accepting the communications is a condition of receiving the services.
LOA general communications
LOA general communications provide information about products, services, and/or support. This may include new product information, special offers, or invitations to participate in market research.
- Select the email “opt out” or “unsubscribe” link, or follow the opt-out instructions included in each communication.
- Write to the LOA Privacy Office. Be sure to provide your name, email and postal address, and specific relevant information about your privacy preferences.
7. Access to and accuracy of your information
LOA strives to keep your personal information accurately recorded. We have implemented technology, management processes and policies to help maintain data accuracy. LOA provides individuals with reasonable access to personal information that they provided to LOA and the reasonable ability to review and correct it or ask for anonymization, blockage, or deletion, as applicable. To protect your privacy and security, we will also take reasonable steps to verify your identity, such as requiring a password and user ID, before granting access to your data. To view and change the personal information that you directly provided to LOA you can return to the Web page where you originally submitted your data and follow the instructions on that Web page, use LOA Member Services page where enabled, or contact the LOA CIO about Privacy.
8. Keeping your personal information secure
LOA takes seriously the trust you place in us. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, LOA utilizes appropriate physical, technical and administrative procedures to safeguard the information we collect.
When collecting or transferring sensitive information such as credit card information we use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. The personal information you provide us is stored on computer systems located in controlled facilities which have limited access. When we transmit highly confidential information (such as credit card number or password) over the internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
Credit card numbers are used only for processing payments and are not used for other purposes. As part of real-time payment processing, LOA subscribes to a fraud management service. This service gives you and LOA an extra level of security to guard against credit card fraud and to protect your financial data.
9. Changes to this statement
If we change our privacy statement, we will post the revised statement here, with an updated revision date. If we make significant changes to our statement, we may also notify you by other means, such as sending an email or posting a notice on our home page.
10. Contacting us
We value your opinions. If you have comments or questions about our privacy statement, please send them to the LOA Privacy Office or write to us at the following address:
LOA P.O. Box 2264 Arlington VA 22202
Rev. August 2010
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