Privacy Policy

Privacy Policy

Introduction

Welcome to https://blackhorse-refunds.dreamdwellings.net (hereafter referred to as ‘Blackhorse Refunds’, ‘we’, or ‘our’). We are committed to maintaining the privacy and security of your personal information. This comprehensive Privacy Policy outlines our practices regarding the collection, handling, and protection of data in adherence to various international privacy laws, including but not limited to:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25 on the protection of personal data in the private sector
  • The General Data Protection Regulation (GDPR) of the European Union
  • Brazil’s Lei Geral de Proteção de Dados (LGPD)
  • California’s Consumer Privacy Protection Act (CCPA/CPRA), California, USA
  • Colorado’s Privacy Act (CPA), Colorado, USA
  • Utah’s Consumer Sales and Service Protection Act (UCPA), Utah, USA
  • Connecticut’s Connecticut Transparency and Accountability Law (CTDPA), Connecticut, USA
  • Virginia’s Consumer Data Protection Act (VCDPA), Virginia, USA
  • South Africa’s Protection of Personal Information Act (POPIA)

Scope

This Privacy Policy applies to all aspects of our online presence, including but not limited to:

  1. Our official website at https://blackhorse-refunds.dreamdwellings.net
  2. Any applications, services, and products offered under the Blackhorse Refunds brand
  3. Interactions between users and our digital platforms
  4. Communications initiated by us, such as newsletters, emails, phone calls, or text messages (SMS)

Important Note: This policy does not extend to third-party platforms, applications, or services that you access through links on our website. These external entities have their own privacy policies, and we encourage you to review them before providing any personal data.

Processing Activities

This Privacy Policy outlines the practices related to:

  1. Using our applications and services as an authorized user
  2. Visiting websites linked to this Privacy Policy
  3. Engaging with communications from Blackhorse Refunds

Personal Data Collection

We collect various categories of personal information, including but not limited to:

  1. Account Information: Details required to create and manage your account on our platforms.
  2. Payment Information: Data related to transactions, such as cardholder name, card number, expiration date, and security codes.
  3. Financial Information: Information about your financial status or history, including bank account details (if shared for direct deposits or withdrawals).
  4. Purchase Information: Details of products or services you’ve purchased from us, including transaction dates and amounts.
  5. Mobile Device Identifiers: Unique identifiers from your mobile device when you access our applications.
  6. Location Data: Geographic data provided by your device when using location-based services on our platforms.
  7. Feedback: Comments, reviews, or responses you share with us to enhance our services.
  8. Social Media Information: Data from social media platforms (if connected through our accounts) including user profiles and interactions.
  9. Product Information: Preferences, preferences expressed, and product usage patterns.

We collect this data in several ways:

  • User input forms and profile settings
  • Automated technologies, such as cookies and tracking pixels
  • Third parties who provide us with aggregated or de-identified data

Cookies

We utilize cookies to enhance user experience and gather analytics on our websites and applications. Cookies are small text files stored on your device that serve various functions:

  1. Strictly Necessary: Essential for navigating our platforms, ensuring basic functionalities, and security.
  2. Preference: Remembering user preferences, such as language settings or content personalization.
  3. Analytics: Collecting aggregated data to understand how visitors use our sites, enabling us to optimize their performance.

Users have control over non-essential cookies through our Cookie Manager, allowing them to customize their cookie preferences.

Retention and Deletion

The duration for which we retain personal data is determined by legal requirements, business needs, and the purposes for collection:

  • We keep data only as long as necessary for the fulfillment of those purposes or until you withdraw your consent (where applicable).
  • Once the retention period expires or upon your request for deletion, the data will be securely deleted from our systems.

Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal data, including:

  • Access: Requesting access to the personal information we hold about you.
  • Rectification: Correcting inaccurate or incomplete data.
  • Erasure (Right to be Forgotten): Asking us to delete your data in certain circumstances.
  • Restriction: Limiting our processing of your data while we verify or address your concerns.
  • Portability: Receiving a copy of your data in a structured, commonly used format.
  • Objection: Objecting to the processing of your data for specific purposes.
  • Non-Discrimination: The right to be treated fairly and not face adverse decisions solely based on your exercise of data protection rights.

To exercise these rights or file an appeal/complaint, please contact our Data Protection Officer using the details provided below.

Changes to Policy

We reserve the right to update this Privacy Policy at any time. Any modifications will be reflected on this page, and we encourage users to review it periodically for changes.

Contact Information

For inquiries, requests to unsubscribe from communications, or questions regarding data protection, please contact us: