The Red Sparrow Agency website Privacy Policy and Terms of Use. Click on the document you’d like to read more of.

Privacy Policy

Red Sparrow Agency (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy (“Policy”) applies to your use of Red Sparrow Agency’s website located at http://www.redsparrowagency.com on all platforms (the “Website”).

Red Sparrow Agency is a United States limited liability company subject to the laws of the United States. This Policy describes how we collect, use, and disclose information in the United States. The United States may not offer a level of privacy protection as great as that offered in other jurisdictions. In jurisdictions outside of the United States where we are subject to different or more restrictive local laws, we may adjust our practices in those jurisdictions to comply with local laws. Otherwise, we make no representation that the practices described in this Policy are compliant with laws outside of the United States that apply to the collection, security, use, and disclosure of information. Information that is collected or stored in jurisdictions outside of the United States may, subject to applicable law, be disclosed or transferred to the United States or other locations. When information is transferred to the United States, it will be handled in accordance with the laws of the United States.

By using this Website, you agree to the privacy practices described in this Policy and the Terms of Service Agreement (“Agreement”). This Policy shall be taken and considered part of the Agreement as if the Agreement was completely set out therein.


Information We Collect

The Website collects two kinds of information about you: (a) personally identifiable information; and (b) non-personally identifiable information.

a. Personally Identifiable Information. Personally identifiable information is information that identifies you or another person. When you engage in certain activities on the Website, we may ask you to provide certain personal information about yourself, including: (i) your name, address, phone number, country, email address, and other basic contact information; (ii) your preferences, content, access device information, and payment information; (iii) reviews, photographs, videos, and other content; and (iv) communications and other messages, including correspondence between Red Sparrow Agency and you. You may decline to provide personally identifiable information through the Website. However, depending on the activity, some of the information we ask you to provide is mandatory. If you decline to provide the mandatory information for a particular activity that requires it, we may not be able to provide that service to you.

b. Non-Personally Identifiable Information. Non-personally identifiable information is information that does not identify you or another person. Non-personally identifiable information includes: (i) session and usage data; (ii) log data; and (iii) aggregate information. i. Session and Usage Data. Session and usage data is information about your use of the Website, without limitation, connection and service-related data submitted to us through the use of the Website. Session and usage data includes information relating to the connection request, server communication, and data sharing, including: network measurements; quality of service; time and date of the use of the Website; and upon your consent, your location. We may also aggregate session and usage data as described in the aggregate information section below. Session and usage data does not include any personally identifiable information nor does it include content you may transmit or share through the use of the Website (such as name, address, and calendar appointments). ii. Log Data. When you interact with us or use the Website, our systems may automatically collect your unique user device number, the IP address, type of browser or operating system you use, and the dates and times of your use. iii. Aggregate Information. Aggregate information is data we collect about a group or category of services or users from which individual user identities have been removed. In other words, information on how you use the Website, may be collected and combined with information about how others use the Website, but no personally identifiable information will be included in the resulting aggregate information. Aggregate information helps us understand trends in our users’ needs so that we can better consider new features or otherwise tailor the Website.


How We Use Your Information

a. Personally Identifiable Information. We may use your personally identifiable information to: (i) provide products and services; (ii) resolve disputes, calculate and collect fees, and troubleshoot problems;(iii) verify your identity and the information you provide; (iv) encourage a safe online experience and enforce our policies; (v) customize your experience, analyze usage of the Website, improve and measure interest in our products and services, and inform you about the Website, services, products, and updates; (vi) provide you with information that may affect your use of the Website, the products and services; (vii) communicate marketing and promotional offers; (viii) provide customer service, including receipts; and (ix) perform certain other business activities. During the course of our business, we may use your personally identifiable information to deliver information to you that is targeted to your interests. Upon receipt of the first communication of this type, you will have the opportunity to opt-out of future communications by clicking on the unsubscribe link or by following unsubscribe instructions described within the communication. We may, however, send you messages through email, text message, or other means of communications as part of our services regarding administrative matters, updates, disputes, and customer service issues regarding the products or services, and you will not be able to opt out of receiving such messages. From time to time, we may implement solutions designed to more efficiently capture your communications preferences. In any such event, we will strive to reflect any previously stated communicated preferences within such solutions. We may also use your personally identifiable information as we believe necessary or appropriate, in any manner permitted under applicable law, including laws outside your country of residence to: comply with legal process; respond to requests from public and government authorities, including public and government authorities outside your country of residence; enforce our terms and conditions; protect our operations; protect our rights, privacy, safety or property, and/or that of our affiliates, you, or others; and allow us to pursue available remedies or limit the damages that we may sustain.

b. Non-Personally Identifiable Information. We may use your non-personally identifiable information for any purpose, including, but not limited to, for our own internal purpose to measure traffic patterns; to understand demographics, customer interest, and other trends among our users; to provide, improve, and modify the Website; and for promotion and marketing purposes.


How We May Disclose Your Information

a. Personally Identifiable Information. We may disclose and you hereby consent to our disclosing of your personally identifiable information to: (i) service providers and others who help with our business operations and assist in the delivery of our products and services including, but not limited to, application development, Website hosting, maintenance, data analysis, infrastructure provision, IT services, customer service, email delivery services, payment processing, marketing, analytics, and enforcement of our Terms of Service Agreement and other agreements; (ii) third parties in the event of an reorganization, merger, sale, debt financing of assets, joint venture, assignment, transfer, or other disposition of all or any portion of our business or assets (including in connection with any insolvency, bankruptcy, receivership, or similar proceeding); (iii) a Red Sparrow Agency subsidiary or business partner; (iv) other users of the site to identify you to anyone to whom you send messages or make comments through the Website; (v) persons or entities with whom you consent to have your personally identifiable information shared; (vi) third parties in order to prevent damage to our property (tangible and intangible), for safety reasons, or to collect amounts owed to us; (vii) merchants and payment processors; and (viii) third parties as we believe necessary or appropriate, in any manner permitted under applicable law, including laws outside your country of residence to: comply with legal process; respond to requests from public and government authorities, including public and government authorities outside your country of residence; enforce our Terms of Service Agreement and other agreements; protect our operations; protect our rights, privacy, safety or property, and/or that of our affiliates, you, or others; and allow us to pursue available remedies or limit the damages that we may sustain. We will not sell, rent, or lease your personally identifiable information to a third party without your express permission, unless required by law.

b. Non-Personally Identifiable Information. We may disclose non-personally identifiable information for any purpose. Remember, non-personally identifiable information cannot be used to identify you or another person.


Public Areas and Third-Party Postings

Upon your consent, the Website may access third-party information through application interfaces. We may provide links to third-party Websites as a service to you. When you click on links of third parties in a Website, you may leave the Website. This Policy does not cover any collection, use, or disclosure by third parties through any applications, Websites, products, or services that we do NOT control or own, or any third-party features or services made available through the Website. By using the Website, you expressly relieve Red Sparrow Agency from any and all liability arising from your use of any third-party website. The inclusion of a link or accessibility of third-party Websites does not imply endorsement of such third-party Website by us. All trademarks, trade names, and logos of third parties featured on the Website belong to their respective owners. Each merchant and third party payment processor collects and shares your information according to its own privacy policy and terms of service. Red Sparrow Agency is not responsible for the actions of third party processors or merchants, including how such entities treat your information. You are responsible for knowing and understanding their policies and terms.


Data Retention

We will retain your personally identifiable information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or allowed by law. Your personally identifiable information may or may not be encrypted while stored or archived by us.


Users Under 13 Years of Age

Our Website is not directed to persons under the age of 13. If you become aware that your child has provided us with personal information without your consent, please contact us. We do not knowingly collect personal information from children under the age of 13. If we become aware that a child under the age of 13 has provided us with personal information, we take steps to remove such information. By using this Website, you are representing to us that you are not under the age of 13. If you are under 13 years of age, you are not authorized to use this Website.


Privacy Rights Notice To California Residents

The State of California enacted the Shine the Light law (California Civil Code Section 1798.83) that permits users who are California residents to request certain information regarding the disclosure of certain “personal information” during the past year for marketing purposes. To make such a request, please contact us.


Do Not Track Law

California’s Do Not Track Law (Cal. Bus. & Prof. Code §§ 22575-22579) requires us to disclose to you how we respond to web browser “do not track” signals or other mechanisms that provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services. In addition, the law requires us to disclose whether other parties collect personally identifiable information about your online activities over time and across different websites when you use this Website. We use cookies to: (a) store information so that you will not have to re-enter that information during your visit or the next time you visit the Website; (b) monitor the effectiveness of marketing campaigns; and (c) monitor aggregate metrics such as total number of visitors, page views, etc. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies in the browser settings. If you choose to decline cookies, you may not be able to sign in or use other Website features or services that depend on cookies. If you choose to accept cookies, your browser may allow you to delete cookies that you have accepted at a later date.


Security

We employ commercially reasonable security measures to protect your information; however, no system is impenetrable. If you create an account on the Website, you are responsible for protecting the security of your account, its content, and all activities that occur under the account or in connection with the Website. Do not share your private account information with others. You must immediately notify Red Sparrow Agency of any unauthorized uses of your account or any other breaches of security.


Disclaimer

ELECTRONIC COMMUNICATIONS PRIVACY ACT NOTICE (18 U.S.C. 2701-2711): WE MAKE NO GUARANTY OF CONFIDENTIALITY OR PRIVACY OF ANY COMMUNICATION OR INFORMATION TRANSMITTED ON THE SITE OR ANY WEBSITE LINKED TO THE SITE. WE WILL NOT BE LIABLE FOR THE PRIVACY OF INFORMATION, E-MAIL ADDRESSES, REGISTRATION, AND IDENTIFICATION INFORMATION, DISK SPACE, COMMUNICATIONS, CONFIDENTIAL INFORMATION OR TRADE SECRET INFORMATION, OR ANY OTHER CONTENT TRANSMITTED OVER NETWORKS ACCESSED BY THE SITE, OR OTHERWISE CONNECTED WITH YOUR USE OF THE SITE.


Contact Us

If you have questions or comments about this Policy or our privacy practices, or to report any violations or abuse of the Website, please contact us.


If you don’t agree to the terms contained in this privacy policy, you must immediately exit the website.

Terms of Use

RED SPARROW AGENCY, LLC PROVIDES THIS WEBSITE AND RELATED SERVICES SUBJECT TO YOUR COMPLIANCE WITH THE TERMS AND CONDITIONS SET FORTH BELOW. PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. YOU MAY NOT USE THIS WEBSITE IF YOU DO NOT AGREE TO THESE TERMS OF USE.


1. Acceptance of Terms

By using this website (“Site”), you acknowledge that you have read and that you agree to be bound by these Terms of Use. Red Sparrow Agency, LLC (“Agency”) may change these Terms of Use from time to time in its sole discretion without notice to you. Changes will be effective when the Agency posts a revised version of the Terms of Use on this Site. You are responsible for reviewing these Terms of Use from time to time in order to stay informed of any such modifications. By continuing to use this Site following any modifications, you agree to be bound by such modifications to these Terms of Use.


2. Changes and Termination

The Agency may change, suspend, or discontinue any aspect of this Site at any time without notice or liability, including the availability of any Site feature or content. In addition, the Agency reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this Site.


3. Web Copyright Information

All pages within this Site are property of the Agency. No portion of any materials on the Site may be reprinted or republished in any form without the express written permission of the Agency, except that you may print out a copy of the content of this Site solely for your personal use.


4. Hyperlinks

This Site may contain hyperlinks and pointers to other World Wide Web Internet sites, resources, and sponsors. Links from this Site to third-party sites are provided only as a service to users and do not constitute an endorsement by the Agency. The Agency has not reviewed any or all of such sites and is not responsible for the content of those sites. Links are to be accessed at the user’s own risk, and the Agency makes no representations or warranties about the content completeness, or accuracy of the websites hyperlinked from this Site.


5. Information Submitted to the Agency

It is a condition of your use of this Site that all the personal information you provide on this Site will be accurate, current, and complete. Children under 13 years of age may not submit personal information to the Agency online, and the Agency does not knowingly collect personal information online from such persons.

We use the personal information about you stored in our customer database as a means of contacting you. We may use the information to contact you to conduct the transaction for which you initiated contact with us, concerning your level of satisfaction with our services, to verify incomplete applications, rectify problems or delays with your application, to collect a debt, or for future marketing purposes. Information provided by you and used for contact includes but is not limited to: email address, phone number, mobile phone number for SMS messaging or voice, and mailing address. Emails and other communications related to credit application status cannot be opted out of. However, opt-out links are provided at the bottom of every marketing related email as required by the CAN-SPAM Act of 2003 (15 U.S.C. 7701).

Information given to the Agency can be used for marketing purposes by the Agency and subsidiaries.


6. Disclaimer

THIS SITE, INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED “AS IS.” TO THE FULLEST EXTENT PERMISSIBLE BY LAW, THE AGENCY AND ITS SERVICE PROVIDERS, EMPLOYEES, AGENTS, PARTNERS, AND CONTRACTORS (HEREAFTER, COLLECTIVELY “RELATED PARTIES”) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR FOR THE MATERIALS, INFORMATION, AND FUNCTIONS MADE ACCESSIBLE ON THE SITE, FOR ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD-PARTY SITES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THIS SITE OR ANY LINKED SITE. FURTHER, THE AGENCY AND RELATED PARTIES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. THE AGENCY AND RELATED PARTIES DO NOT WARRANT THAT THE FUNCTIONS CONTAINED ON THE SITE OR ANY MATERIALS OR CONTENT CONTAINED ON THE SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE AGENCY AND RELATED PARTIES ARE NOT LIABLE FOR THE USE OF THIS SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED ON THE SITE.


7. Limitation of Liability

THE AGENCY AND RELATED PARTIES ARE NEITHER RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, SITE-RELATED SERVICES, OR CONTENT OR INFORMATION CONTAINED WITHIN THE SITE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS SITE OR RELATED SERVICES IS TO STOP USING THE SITE OR THE RELATED SERVICES.


8. Indemnity

You agree to indemnify and hold harmless the Agency and Related Parties from any breach of these Terms of Service by you. You agree that the Agency and Related Parties have no liability in connection with any such breach or unauthorized use of this Site by you, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney’s fees of the Agency and Related Parties in connection therewith.


9. Miscellaneous

These Terms of Use are governed and interpreted according to the laws of Texas, notwithstanding any principles of conflicts of law. Any claim or cause of action you may have with respect to your use of this Site must be commenced within one year after the claim or cause of action arises. You expressly consent to personal jurisdiction in Texas in connection with any dispute between you and the Agency arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Dallas, Texas. If any part of these Terms of Use is declared unlawful, void, or unenforceable, that part is deemed severable and does not affect the validity and enforceability of the remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to the subject matter. Notwithstanding the foregoing, any additional terms and conditions of these Terms of Use will govern the items to which they pertain. The Agency may revise these Terms of Use at any time by updating this posting.