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        Social Media: Credit Union

        © 2013-2021 Vult Lab

        Terms & Conditions
        Privacy Policy
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          Terms and Conditions for Vult Lab LLC
          
          Introduction
          These Website Standard Terms and Conditions written on this webpage shall manage your use of our website, Vult Lab accessible at www.vultlab.io.
          
          These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions. These Terms and Conditions have been generated with the help of the Terms And Conditiions Sample and the Privacy Policy Generator.
          
          Minors or people below 18 years old are not allowed to use this Website.
          
          Intellectual Property Rights
          Other than the content you own, under these Terms, Vult Lab LLC and/or its licensors own all the intellectual property rights and materials contained in this Website.
          
          You are granted limited license only for purposes of viewing the material contained on this Website.
          
          Restrictions
          You are specifically restricted from all of the following:
          
          publishing any Website material in any other media;
          selling, sublicensing and/or otherwise commercializing any Website material;
          publicly performing and/or showing any Website material;
          using this Website in any way that is or may be damaging to this Website;
          using this Website in any way that impacts user access to this Website;
          using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
          engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
          using this Website to engage in any advertising or marketing.
          Certain areas of this Website are restricted from being access by you and Vult Lab LLC may further restrict access by you to any areas of this Website, at any time, in absolute discretion. Any user ID and password you may have for this Website are confidential and you must maintain confidentiality as well.
          
          Your Content
          In these Website Standard Terms and Conditions, "Your Content" shall mean any audio, video text, images or other material you choose to display on this Website. By displaying Your Content, you grant Vult Lab LLC a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.
          
          Your Content must be your own and must not be invading any third-party’s rights. Vult Lab LLC reserves the right to remove any of Your Content from this Website at any time without notice.
          
          Your Privacy
          Please read Privacy Policy.
          
          No warranties
          This Website is provided "as is," with all faults, and Vult Lab LLC express no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.
          
          Limitation of liability
          In no event shall Vult Lab LLC, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract.  Vult Lab LLC, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
          
          Indemnification
          You hereby indemnify to the fullest extent Vult Lab LLC from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.
          
          Severability
          If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
          
          Variation of Terms
          Vult Lab LLC is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.
          
          Assignment
          The Vult Lab LLC is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
          
          Entire Agreement
          These Terms constitute the entire agreement between Vult Lab LLC and you in relation to your use of this Website, and supersede all prior agreements and understandings.
          
          Governing Law & Jurisdiction
          These Terms will be governed by and interpreted in accordance with the laws of the State of us, and you submit to the non-exclusive jurisdiction of the state and federal courts located in us for the resolution of any disputes.
          ×
          This Vult Lab Website provides information about the general business and services offered by Vult Lab LLC. This Privacy Notice sets out how we use and protect any information we collect through this website.
          
          Introduction
          Any data collected through the https://www.vultlab.io website (the “Website”) including personal information, will only be used for the purposes set out at Section 02. in this Privacy Notice. Once collected, personal information will not be used for a different incompatible purpose without your consent. Vult Lab LLC,  99 Wall St., #874, New York, NY 10005 is regarded as the Data Controller.
          
          We take the protection of data privacy very seriously. All personal information collected through the Website will be treated as strictly confidential and will only be used as set out in this Privacy Notice. The applicable data protection laws shall be respected in full.
          
          Therefore, please read this Privacy Notice thoroughly. If you disagree with the way personal information will be used, please do not use this Website or provide your personal information through the Website.
          
          We may include links on the Website to other websites including social media platforms. This Privacy Notice only covers how we use personal information and does not cover these other websites. We encourage you to read the privacy notices available on other websites you visit.
          
          01. What personal information do we collect and process?
          The following table describes the categories of personal information we collect and the sources of such personal information.
          
          Category
          Identification and contact data
          E.g., first name, last name, email address, online identifiers, IP address, and mobile identifiers.
          
          Internet or other electronic network activity information (technical data)
          E.g., browsing history, search history, and information on a consumer’s interaction with a website, application, or advertisement.
          
          Your verbatim communications to us or shared on the public areas of the website.
          
          Categories of Sources
          We will collect this directly from you when you submit this data through email or an online form on the Website.
          We may collect this from internet service providers, data analytics providers, operating systems and social networks.
          We may collect this from internet service providers, data analytics providers, operating systems and social networks.
          We will collect this directly from you when you send us your questions or comments through email or other forms on our Website that may be available from time to time.
          02. Purpose of data collection and legal grounds we rely on
          Our purposes for collecting and using personal information
          To read and respond to your queries sent using email or an online form on our Website.
          To contact you where you have indicated you wish to receive news and other marketing materials from us.
          To provide you with products and/or services you have ordered from us.
          Operating our website and services, for example:
          improving, testing, updating and verifying our own database.
          developing new products.
          operating, analyzing, improving, and securing our website and services.
          Other internal purposes, for example:
          For internal research, internal operations, auditing, detecting security incidents, debugging, short-term and transient use, quality control, statistics about user interaction on our Website, and legal compliance. We use the information collected from our own Website for the above, as well as for our own marketing purposes.
          Basis for processing
          Performance of a contract to which you are a party, if you contact us about our services, or our legitimate interest to respond to individuals’ queries.
          Consent, where you indicate that you want to receive news and marketing materials from us.
          Performance of a contract to which you are a party.
          Our legitimate interest to improve our Website, services and develop new products.
          Our legitimate interest to support our internal operations and conduct research.
          03. With whom do we share personal information?
          We will share your personal information for various business purposes, with employees of Vult Lab LLC, and with our service providers.
          
          Sharing with other group entities or service providers: As a global organization, we may share personal information with other entities within our group or with selected service providers (as described under IV), either to benefit from additional support (technical or otherwise), or to provide you with services you have requested from us.
          
          Sharing for legal purposes: In addition, we may share personal information with third parties in order to: (a) comply with legal process or a regulatory investigation (e.g. regulatory authorities’ investigation, subpoena, or court order); (b) enforce this Privacy Notice or other contracts with you, including investigation of potential violations thereof; (c) respond to claims that any content violates the rights of third parties; and/or (d) protect the rights, property or personal safety of us, our platform, our customers, our agents and affiliates, its users and/or the public. We likewise may provide information to other companies and organizations (including law enforcement) for fraud protection, and spam/malware prevention, and similar purposes.
          
          Sharing in event of a corporate transaction: We may also share personal information in the event of a major corporate transaction, including for example a merger, investment, acquisition, reorganization, consolidation, bankruptcy, liquidation, or sale of some or all of our assets, or for purposes of due diligence connected with any such transaction.
          
          Aggregate, de-identified, or anonymized information: We may aggregate, de-identify and/or anonymize any information collected so that such information can no longer be linked to you or your device (“Aggregate/De-Identified Information”). We may use Aggregate/De-Identified Information for any purpose, including without limitation for research and marketing purposes, and may also share such data with any third parties, including advertisers, promotional partners, and sponsors, in our discretion.
          
          04. Who is processing the personal information?
          We have engaged Strikingly to help with hosting the Website.
          
          We have also engaged Google Analytics to help provide us with information about how you interact with the Website (e.g., clicks, internal links, pages visited, scrolling, searches, time stamps).
          
          We have also engaged MailChimp to help us in managing our marketing efforts. Any processing of your personal information by these parties is in accordance with our instructions.
          
          If the services of third parties for the technical maintenance, administration or processing of data are required, your personal information will be accessed by these parties only to the extent that is required to ensure a smooth and secure technical handling of the Website and in compliance with applicable law, including with respect to data confidentiality, privacy and security.
          
          05. Your rights regarding your personal information
          You may exercise the following legal rights regarding any personal information that we hold about you.
          
          The right of access
          The right to rectification
          The right to erasure
          The right to object
          The right to restrict processing
          The right to data portability
          The right to withdraw your consent to the processing of your personal information at any time
          Your personal information will be stored in accordance with our applicable data retention requirements and corporate policies. The retention period for your personal information varies depending on the type of personal information and the purposes of processing it.
          
          06. Viewing, editing, updating or deletion of your personal information:
          Please contact hello@vultlab.io if you want to see any personal information stored about you in our records. We will honor your legal right to view your personal information in accordance with applicable privacy law. If you think that any of the personal information collected through the Website is incorrect, confusing or incomplete, please contact hello@vultlab.io. You may also ask us to erase, restrict or port your personal information and you may tell us if you object to our use of your personal information.
          
          Personal information will be stored by us in accordance with our applicable data retention requirements and corporate policies.
          
          07. Your California rights and choices
          The California Consumer Privacy Act of 2018 (“CCPA”) provides certain rights to residents of California. This section of the Privacy Notice applies if you are a natural person who is a resident of California (“California Consumer”) and you have provided your personal information to us. If you are not a California Consumer (or a resident of California), this does not apply to you and you should not rely on it. Without being discriminated against for exercising these rights, California Consumers have the right to request that we disclose what personal information we collect from you, to delete that information, and to opt-out of the sale of your personal information, subject to certain restrictions. You also have the right to designate an agent to exercise these rights on your behalf. This section describes how to exercise those rights and our process for handling those requests. (To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.)
          
          a. Right to request access to your personal information
          California Consumers have the right to request that we disclose what categories of your personal information that we collect, use, or sell. You may also request the specific pieces of personal information that we have collected from you. However, we may withhold some personal information where the risk to you or our business is too great to disclose the information.
          
          b. Right to request deletion of your personal information
          You may also request that we delete any personal information that we collected from you, such as if you have been a customer of ours. (Note that this is different from your right to “opt out” of us selling your personal information, which is described below; also note that we do not generally collect personal information directly from consumers.) However, we may retain personal information for certain important purposes, such as (a) to protect our business, systems, and users from fraudulent activity, (b) to address technical issues that impair existing functionality (such as de-bugging purposes), (c) as necessary for us, or others, to exercise their free speech or other rights, (d) to comply with law enforcement requests pursuant to lawful process, (e) for scientific or historical research, (f) for our own internal purposes reasonably related to your relationship with us, or to comply with legal obligations. Additionally, we need certain types of information so that we can provide our services to you. If you ask us to delete it, you may no longer be able to access or use our services.
          
          c. How to exercise your access, opt-out and (if applicable) deletion rights
          California Consumers may exercise their California privacy rights by sending an email to hello@vultlab.io.
          
          For security purposes (and as required under California law), we will verify your identity – in part by requesting certain information from you -- when you request to exercise your California privacy rights. For instance, if you request categories or specific pieces of personal information we have received about you, you may need to confirm your possession of an identifier (such as an email address) or to provide a piece of identification that confirms you are the person you claim to be.
          
          Once we have verified your identity, we will respond to your request as appropriate:
          
          Where you have requested the categories of personal information that we have collected about you, we will provide a list of those categories.
          Where you have requested specific pieces of personal information, we will provide the information you have requested, to the extent required under the CCPA and provided we do not believe there is an overriding privacy or security concern to doing so.
          Where you have requested that we delete personal information that we have collected from you, we will seek to confirm whether your request is for an “opt out” or a “deletion”: because “opt out” or “do not sell” rights enable us to maintain your information for “suppression” purposes – i.e., to prevent us from selling information about you in the future (which is what many consumers requesting “deletion” actually desire to occur), we try to explain this in order to ensure we are meeting consumers’ preferences.
          Upon completion of the above process, we will send you a notice that explains the categories of personal information we were able to locate about you, whether we (1) deleted, (2) de-identified, or (3) retained the information we collected from you. Certain information may be exempt from such requests under applicable law.
          If we are unable to complete your requests fully for any of the reasons above, we will provide you additional information about the reasons that we could not comply with your request.
          
          d. Right to nondiscrimination
          We will not deny, charge different prices for, or provide a different level of quality of goods or services if you choose to exercise these rights.
          
          e. Right to opt-out of the sale of your personal information
          We do not sell any personal information as the term “sell” is used in the CCPA.
          
          f. Information about persons under 16 years of age
          We do not knowingly collect personal information from minors under 16 years of age in California unless we have received legal consent to do so. If we learn that personal information from such California Consumers has been collected, we will take reasonable steps to remove their information from our database (or to obtain legally required consent).
          
          g. Authorized agents
          You may also designate an agent to make requests to exercise your rights under CCPA as described above. We will take steps both to verify the identity of the person seeking to exercise their rights as listed above, and to verify that your agent has been authorized to make a request on your behalf through providing us with a signed written authorization or a copy of a power of attorney.
          
          08. Data security
          We use a variety of methods, such as firewalls, intrusion detection software and manual security procedures, to secure your data against loss or damage and to help protect the accuracy and security of personal information and to prevent unauthorized access or improper use. If you think that the Website or any personal information is not secure or that there has been unauthorized access to the Website or your personal information, please contact hello@vultlab.io immediately.
          
          09. Confidentiality
          Please note that we treat personal information as strictly confidential.
          
          10. Data transfers
          Your personal information is transferred to the US which is not considered to have the same level of data protection as in the EU. However we ensure all data transfers comply with applicable legal requirements (for example, under intercompany agreements with appropriate contractual protections or standard contractual clauses).
          
          11. Use of cookies, other tracking technology, social media and social media plug-ins
          Cookies are small pieces of text or code sent to your device when you visit the Website. Cookies are used to optimize the viewing experience, count visitors to a webpage, troubleshoot any problems, keep websites secure, and better serve content. The following cookies are used on the Website:
          
          Functional and required cookies are always used to allow our hosting platform, to securely serve this Website to you.
          Analytics and performance cookies are used on the Website to view site traffic, activity, and other analytics data.
          Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
          
          To OPT-OUT of Google Analytics, you can learn more here.
          
          If you follow us on social media (for example, through our accounts on LinkedIn, Facebook, Twitter or Instagram), we may also collect personal information about you in order to understand our followers better and understand the public response to our products and services.
          
          We utilize social media plug-ins to allow you to easily share content from our website and, in doing so, your personal information will be disclosed to these social media platforms. When you share content using these buttons, a new page will pop up from the relevant social media platform. If you’re already logged into your account on that social media platform, then you will probably be automatically logged into this pop-up page, so that you don’t have to log in again. If, however, you are not logged in (or if you are not registered with the social media platform), the page will ask you for your information.
          
          We have no control over how social media platforms use your personal information. We encourage you to read the privacy notices on the various social media platforms you use.
          
          Find out more about how these social media platforms use your personal information:
          
          Facebook
          Twitter
          YouTube (Google’s general privacy policy)
          Instagram
          LinkedIn
          12. Notification of changes
          Should we wish to change this Privacy Notice, if you have already provided personal information through this Website, we will contact you to inform you of the new Privacy Notice and, in some circumstances, we may need to obtain your consent to the changes. In other circumstances, any such changes to this Privacy Notice will be promptly communicated on this page and you should check back to see whether there are any changes. Continued use of the Website after a change in the Privacy Notice indicates your acknowledgement and acceptance of the use of personal information in accordance with the amended Privacy Notice.
          
          If you wish to save this text, please mark the entire statement (e.g. with your mouse) and copy-paste by pushing ctrl-c.
          
          13. Further information
          For further information on Vult Lab LLC please visit our website – https://www.vultlab.io.
          
          If you consider that we are not complying with this Privacy Notice or if you have any questions in relation to this Privacy Notice, please contact hello@vultlab.io. You may also lodge a formal complaint with your competent data protection authority.
          
          If you have any questions about Vult Lab LLC's collection of your data, you wish to exercise your rights or know about the contractual protections in place, please contact the Data Privacy Officer on hello@vultlab.io.
          
          If you think that we are not compliant with the principles set out in this Privacy Notice, if you are unsatisfied with the way we process your personal information or if your request to exercise your rights set forth above has been rejected, you may also lodge a formal complaint with your local competent data protection authority.
          
          Updated: 10/24/20
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