Chicago Title National Commercial Services Los Angeles

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PRIVACY POLICY

This privacy policy is effective as of and was last updated on August 1, 2011.

If you would like to make corrections or updates to your Privacy Settings or Personally Identifiable Information, including your email address, phone number, mailing address, credit card information or password reminder phrase, you can easily make them by accessing your user profile on the Website.

The Personally Identifiable Information which we collect may come from a number of sources, including:

A cookie is a piece of data stored on the hard drive of your computer that contains information about you and that is used for record keeping purposes. Cookies enable us to track and target your interests to enhance your experience on the Website. We may set and access cookies on your computer to provide you with customized content and to assist in providing the products that you have requested. We also work with companies who provide services to maintain the Website and enable those service providers the right to use cookies on our website.

Most temporary cookies automatically delete themselves from your hard drive after each session. Like many other websites, we may automatically track information based upon your behavior on the Website, including combining information that we obtain through the use of cookies with Personally Identifiable Information, or other aggregate or anonymous data, including a unique identification we may assign you. The information may include browser type, internet service provider, referring/exit pages, platform type, date/time stamp, IP address, and number of clicks, all used to analyze trends, administer the Website, track your movement in the aggregate, and gather broad demographic information for aggregate use. Most web browsers are initially set up to accept cookies; however, you can reset your web browser to reject all cookies. If you reject the cookie, you may still use the Website, although your access to and use of some areas of the Website may be limited. In addition, if you refuse to accept cookies you agree to assume all responsibility for any resulting loss of functionality.

You have choices when it comes to learning about our new offers, products or services, as well as those offered by our partners and affiliates. If you do not wish to receive these offers, you may opt out by emailing our Customer Care department at any time at customerservice@kossresource.com. Alternatively, each marketing e-mail we send to you will include instructions how to opt-out which you may utilize.  Please note that you may still receive information from third parties to whom we have disclosed your information prior to the time you opted-out. You should contact each party in the event that you no longer want to receive information from such party.

We are deeply committed to your right to privacy. However, please note that this Website's Privacy Policy only applies to the Website and not to any other websites that you may access from the Website, each of which may have privacy policies that are materially different from this Privacy Policy. We encourage you to be aware when you leave the Website and to read the privacy policies of each and every other website, as we are not responsible or liable for the commitments and obligations made to you in any privacy policy or the terms and conditions of any such website.

In order to use the Website and/or its products and/or services, you must be at least 18 years of age. The Website is not directed to or intended for use by persons under the age of 18 and we are not knowingly soliciting personal information from such persons or sending them requests for non-public personal information.  If we become aware that we have inadvertently received Personally Identifiable Information directly from someone under the age of 18, we will delete such information from our records.   If you are under the age of 18, you may not use our products or services, including sending us any personal information.

By using the Website, you hereby accept all of the terms set forth in our Privacy Policy. If you do not agree to accept all or any portion of such terms, then you are respectfully asked not to use the Website. Your continued use of the Website following the posting of such modifications, alterations or updates will signify your acceptance thereof.

If you believe that we have not complied with this Privacy Policy, please contact us at privacy@kossresource.com.

  1. Types of Information We Collect and How We Use It.
    1. Koss Resource LLC (“Company”, " we", "us" or "our") respects the privacy concerns of each visitor ("you" or "your") to its website – http://kossresource.com (the " Website") -- and has created this Privacy Policy to explain the type of information gathered from your visit to and use of the Website and our Services, and how such information may be used.  
    2. Please take a moment to review this Privacy Policy and feel free to contact us with any questions at privacy@kossresource.com.  All capitalized terms used herein shall be defined as set forth in the Company’s Terms of Use, unless otherwise set forth herein.
    3. Company complies with the privacy laws and regulations of the United States of America. We make no representation that this Website is governed by or operated in accordance with the laws of other nations, or that the Website or any part thereof is appropriate or available for use in any particular jurisdiction.  Those who choose to access the Website from any other country do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations.  By using this Website, visitors from outside of the United States of America acknowledge this Website is subject to the laws and regulations of the United States of America, and waive any claims that may arise under their own national laws.
  2. Personally Identifiable Information
    1. As a general policy, certain "Personally Identifiable Information" (as defined below) is automatically collected from your visit to the Website.  "Personally Identifiable Information" includes, without limitation: (i) contact data (such as your first and last name, physical street address, city, state, zip code, phone number and email address), (ii) financial data (such as your credit card number, expiration date, and verification code), (iii) demographic data (such as your zip code and gender), and (iv) other legal data (such as your social security number and other sensitive information used to complete and generate the proper documents based upon the specific information and direction).
    2. We may, with your permission and as detailed below, collect and use Personally Identifiable Information about you in a number of ways as set forth in this Privacy Policy, including but not limited to responding to your request for products or services offered through the Website, notifying you about products, services, and other opportunities we think will be of interest to you, and disclosing such Personally Identifiable Information in connection with a Company business transaction.  By utilizing the Website, you are consenting to the use and disclosure of your Personally Identifiable Information as described in this Privacy Policy.
  3. Sources of Information.
    1. Registration Information, which you provided when registering for our Services or products, offered through the Website or a third party’s services or products. For example, you may be required to submit personal information such as your name, address, email, and date of birth to verify your identity prior to establishing your member account.
    2. Billing information, such as a credit card number, which is required to process the payment for the products or services you order from us.
    3. Other information we may collect, such as the city of your birth and your mother's maiden name, which is used to verify your identity in the event you forget your login information required for our online products or services.
    4. Information you provide to us in response to our communications. For example, we may request that you provide your e-mail address so that we may send you notifications, alerts, special offers, and newsletters.
    5. Information you provide us and or third party providers in connection with searching for and/or applying for commercial real estate loans and/or services.
    6. Information that you provide to us through customer service communications and correspondence and general feedback.
  4. Non-Personally Identifiable Information.

    Certain non-personal information, including the type of browser being used, its operating system and your IP address ("Non-Personally Identifiable Information"), may be automatically recorded by the standard operation of the Website's internet servers.  This Non-Personally Identifiable Information can be used to help diagnose server problems, administer the Website and generally enhance your online experience.  We will also collect certain information arising out of your use of the Website, such as Cookies, or Web beacons, or augment the data we collect with other information from other online or offline sources. We reserve the right to collect information about you and store it in connection with other online or offline information we may possess or obtain about you.

  5. Cookies
  6. Web Beacons
    1. Pages on our website also may contain "web beacons" (also known as Internet tags, pixel tags and clear GIFs).  A web beacon is an electronic image, often a single pixel (1x1), that is ordinarily not visible to Website visitors and may be associated with cookies on the visitors' hard drives.  Web beacons do not contain any Personally Identifiable Information and allow us to count users who have visited certain pages of the Website, to deliver branded services, and to help determine the effectiveness of promotional or advertising campaigns. Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons. 
    2. All of your Personally Identifiable Information and Non-Personally Identifiable Information, as well as any other information described above may be referred to collectively as the "User Information."
  7. Sharing
    1. We may share certain portions of the User Information, including Personally Identifiable Information, with affiliated and non-affiliated third parties, including without limitation in connection with the following:
      1. Special Offers - We sometimes disclose the User Information we collect to our affiliated companies for marketing purposes and to enhance our products or services to better suit your needs. When identifying methods of improving our products or services, or if we think a product or service may be of interest to you, we may extend select special offers of goods or services to you. If you would like to opt-out of receiving these offers, please refer to the "Offering You Choices - Marketing Options," section below.
      2. Vendors - We sometimes disclose the User Information we collect to companies that operate various services for us, such as marketing, distribution, credit card processing, order fulfillment, administrative services, advertising, or certain product functionalities, or who otherwise provide goods or services which may be of interest to you.  We will not, however, share your User Information if you opt-out of sharing.  We will not under any circumstances share your information if you opt-out of sharing.  When you provide User Information to us, you are expressly consenting to receiving telephone calls, emails or text messages, or direct mail, from us, or on our behalf, regarding the products and services offered on the Website. 
      3. When you provide Personally Identifiable Information to one of our Website's e-commerce providers, vendors or advertisers, this transaction will occur in connection with the site of the e-commerce provider, vendor or advertiser, not on the Website, and, as such, the Personally Identifiable Information you provide is collected pursuant to and controlled by the privacy policy of such e-commerce provider, vendor or advertiser. Company is not responsible for such parties' privacy policies and we encourage you to familiarize yourself with the applicable privacy policy of the e-commerce site with which you transact business or to contact the operator of such site for more information.
      4. If you choose to respond to a job posting on the Website, you may be directed to a third-party site or third party entity or individual. Any Personally Identifiable Information you provide will be collected by such third party. We have no control over, and are not responsible nor liable for, such third party's use of your Personally Identifiable Information. Please consult such third party's privacy policy for information regarding their privacy practices.
      5. As Permitted by Law - We may share your User Information as permitted by law.
      6. Personally Identifiable Information will not be sold, leased or otherwise made available to any person or entity not authorized by or associated with us.
      7. We may disclose your Personally Identifiable Information in special cases when we have reason to believe that disclosing this information is necessary: (a) to identify, contact or bring legal action against someone who may be causing injury to or interfering (either intentionally or unintentionally) with: (i) our legal rights or property, (ii) another visitor or anyone else that could be harmed by such activities; or (b) by operation of law or at the request for cooperation from law enforcement or another governmental agency.
      8. Transferability of Information - In the event we undergo a business transition, such as a merger, acquisition by another company, reorganization, a divestiture, a sale of all or a portion of our assets, or in the unlikely event of bankruptcy, your Personally Identifiable Information and any information you provide to us will likely be among the assets transferred, and you hereby consent to such transfer.
    2. Please note that when you disclose Personally Identifiable Information through a forum, message board, blog, job employment resume, or other features on the Website, the information may become public and accessible to all or a part of the Website community, so it is important for you to exercise discretion and appropriate caution when deciding to reveal Personally Identifiable Information in these areas. In addition, when you choose to make a posting on such services, certain Personally Identifiable Information may be available for other users to view. We urge you to exercise discretion and caution when deciding to disclose your Personally Identifiable Information, or any other information, on the Website. WE ARE NOT RESPONSIBLE FOR THE USE OF ANY PERSONALLY IDENTIFIABLE INFORMATION YOU VOLUNTARILY DISCLOSE THROUGH THE WEBSITE VIA THESE FORUMS AND OTHER INTERACTIVE FEATURES. Please note that we reserve the right, but have no obligation, to republish content posted in a forum, message board, blog, or news group (including any Personally Identifiable Information contained therein) as further set forth in our Terms of Use.
  8. Offering You Choices - Marketing Options
  9. Links
  10. Security
    1. We know it is very important to protect the information you share with us. We take appropriate security measures to help safeguard this information from unauthorized access and disclosure. For example, we restrict access to nonpublic personal information about you to those of our employees who need to have access to such information in order to provide products or Services to you, as well as to authorized third parties (as stated above). We maintain physical, electronic, and procedural safeguards designed to protect your Personally Identifiable Information. We protect your Personally Identifiable Information over the internet by using a secure web server, which allows web browser programs (Microsoft Internet Explorer, Safari, or Firefox) to interact with our web server via an encrypted session. Anytime that you are on a page ordering products or services, or viewing your personal credit report, you will be in a secured area.
    2. You should feel confident using our Website. However, no system can be completely secure.  Although we take very significant steps to secure your information, there is always a chance that your information will not always remain secure, or our computers or systems might be illegally accessed, and the data on them stolen or altered.  You should always take great care in handling and disclosing your personal information. For example, avoid sending personal information through insecure email.  Please refer to the Federal Trade Commission's website at http://www.ftc.gov/bcp/menus/consumer/data.shtm for information about how to protect yourself against identity theft.  We assume no liability or responsibility to you or to any third party arising out of any loss, misuse, destruction, or alteration of your information.
  11. Persons Under the Age of 18
  12. Notification of Changes
    1. We reserve the right to modify, add, alter or otherwise update this Privacy Policy from time to time, so you are encouraged to review this Privacy Policy from time to time. However, please note that each time you use the Website, the current version of this Privacy Policy will apply.
    2. If we decide to change our Privacy Policy, we will date and post those changes on the Website so that you are always aware of what information we collect, how such information is used and under what circumstances, if any, such information is disclosed. Any and all changes to our Privacy Policy will also be reflected on this page. You can determine whether the Privacy Policy has been revised since your previous visit to the Website by referring to the "Last Updated" legend at the top of this page.  Please read this Privacy Policy carefully. Your use of this Website constitutes your acceptance to be bound by this Privacy Policy without limitation, qualification or change. If at any time you do not accept all the terms and conditions contained herein, you must immediately discontinue use of this Website.  If at any point we decide to use Personally Identifiable Information in a manner different from that stated at the time it was collected, we will notify you by way of email and you will then have a choice whether or not we can use such information in this different manner.
  13. Visitor's Acceptance of These Terms
  14. Privacy Complaints
Chicago Title National Commercial Services Los Angeles