Effective as of December 6, 2023

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At Pensio Risk Management Corp. (Pensio), we are committed to safeguarding your privacy. In this policy statement, we provide clear information about the data we collect, how we use it, and your choices regarding this data. We want you to understand our practices and your rights.

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1. Who We Are

Pensio Risk Management Corp. (Pensio) is referred to as "we," "us," or "our,"  a risk management and guarantee company offering services accessible to property owners, property managers, and developers (collectively "the Client"). Our services are not insurance, please refer to our Legal and Regulatory Notice on this site.

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2. Privacy Policy Purpose

This privacy policy is designed to:

• Explain the types of information collected through the Pensio risk management services and guarantee platform (the "Pensio Platform")  and web-enabled portal and our website, www.pensioglobal.com.

• Clarify how we use and share this information.

• Inform you about your choices regarding the use of this information.

• Provide important details about data collection and usage through the Pensio Platform and web-enabled portal and our website, www.pensioglobal.com.

 

While some of the content may involve technical concepts, we have made every effort to present it clearly and transparently. If you have any questions or feedback about this privacy policy or how the Pensio Platform and web-enabled portal and our website, www.pensioglobal.com, handle the information we collect, please don't hesitate to contact us. You'll find our contact information at the end of this policy.

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3. Data Collection and Usage

We will detail the specifics of our data collection practices, how your information is utilized, and your control over this data in the sections below.

Your privacy matters to us at Pensio, and this policy ensures that you have a full understanding of our practices and your rights. If you have any questions or concerns, please reach out to us using the contact information provided at the end of this document.

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4. Scope of Our Privacy Policy

This privacy policy applies to the information gathered via the Pensio Platform and web-enabled portal, and our website, www.pensioglobal.com, and any other online products and services that feature or link to this privacy policy. Collectively, these are referred to as the Pensio Platform or Website.

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5. Personal Information We Collect

We gather personally identifiable information, referred to as "Personal Information," that you provide or opt to share with us. This includes Personal Information received from our partners, service providers, and tenants only on the secure Pensio Platform. Personal Information encompasses data that can identify you, relate to you, describe you, or be directly or indirectly linked to you or your household. This data includes but is not limited to your name, postal address, email address, telephone number, social security number, financial account number, rental application, or similar information. It's important to note that you can navigate our website www.pensioglobal.com collective services without revealing any Personal Information about yourself. However, to access our products and services or create an account with us, you will be required to furnish specific Personal Information when you sign up with the Pensio Platform and web-enabled portal and our website, www.pensioglobal.com. Declining to provide this information may affect your ability to access our products and services.

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6. Personal Information You Provide

We will collect Personal Information exclusively through the Pensio Platform and the web-enabled portal. To facilitate the collection of your Personal Information on our Pensio Platform and web-enabled portal, you must voluntarily submit it. For example, if you are a property owner seeking information about our services, creating an account, we will need details about your tenants, you may provide information such as your tenants' names, email addresses, postal addresses, employment information, dates of birth, annual income, education levels, social security numbers, and bank account information.

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In the case of matters related to our AssuredRent, AssuredTenant, and AssuredIncome services, we will collect any information you provide in connection with a service or a related dispute. Additionally, when you pose a question or contact us, any Personal Information you choose to include in your communication will be collected.

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7. Personal Information from Third Parties

We may also receive Personal Information about you from third parties and store it on our encrypted Pensio Platform. For instance, if you authorize us to conduct a credit check, we will obtain any Personal Information contained in the response. There are instances where we may receive information about you from a leasing agent, landlord, or our advertising partners. Information about you might also be sourced from commercially available repositories such as data aggregators and public databases. This information may include your name, demographic data, interests, publicly observed data (e.g., from social media and shopping behavior), credit information, and details regarding your rental history.

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8. Non-Identified Information

The Pensio Platform and web-enabled portal and our website, www.pensioglobal.com, employ common technologies that automatically gather specific data about your computer or device and your interactions with our site and advertisements. These technologies encompass cookies, pixel tags, server logs, and statistical identifiers. Further details about these technologies and the collection and utilization of non-identifiable information are provided in this policy below.

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9. Combining Information

Information we collect through the Pensio Platform and web-enabled portal and our website,www.pensioglobal.com may be merged with data obtained through other websites or online services provided by our service affiliates or partners. Additionally, we might consolidate information collected through the Pensio Platform and our website, www.pensioglobal.com, with offline data or information acquired from our partners and third parties. We utilize this amalgamated information to enhance the Pensio Platform and web-enabled portal and our website,www.pensioglobal.com, improve our Services, convey information to you, refine our marketing and research activities, and engage in other legitimate business activities described within this policy.

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10. Use of Information

The information collected from and about you (or your device) on the Pensio Platform and web-enabled portal and our website, ,www.pensioglobal.com may be used for the following purposes:

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• Providing Services Information: Furnishing you with details concerning our products and services.

• Account Management: Establishing, maintaining, customizing, and securing your account with us.

• Personalization: Tailoring your experience and enabling us to offer content and services sections that align with your interests. This includes customized content, targeted offers, and advertising delivered through our site, other platforms, and via email or text messages.

• Enhancing Our Services: Continuously improving our Pensio Platform and our services.

• Customer Service: Assisting us in providing you with more efficient and effective customer service responses.

• Application Verification: Verifying and supplementing your application details.

• Transaction Processing: Managing AssuredRent, AssuredTenant and AssuredIncome Services.

• Marketing and Promotional Communications: Conducting marketing and promotional activities and communicating with you about special offers and promotions.

• Research and Analytics: Conduct internal research and analytics, aimed at refining our AssuredRent, AssuredTenant, and AssuredIncome discerning trends in your use of our Pensio Platform and web-enabled portal and our website, www.pensioglobal.com, and in your interactions with us.

• Compliance and Protection: Ensuring compliance with applicable laws and regulations, enforcing our terms, and protecting against fraudulent activity, security risks, and other liabilities.

• Customary Business Operations: Facilitating customary business operations and undertaking other legitimate purposes linked with the Pensio Platform and our website,www.pensioglobal.com.

 

11. Sharing of Information

We will not disclose your Personal Information to third parties except as explained in this policy. This includes sharing your Personal Information with:

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• Affiliated Companies: Entities that control us, are controlled by us, or are under common control with us. This includes our subsidiaries, parent companies, joint ventures, and other corporate entities under common ownership and control.

• Service Providers: Non-affiliated third parties we engage to perform functions or services on our behalf, encompassing our AssuredRent, AssuredTenant, and AssuredIncome services, conducting background checks, performing credit checks, or lease reviews maintaining the Pensio Platform and web-enabled portal, providing client service, managing and analyzing data, and facilitating other business operations. These service providers have access to Personal Information necessary to carry out the functions or services they are providing.

• Property Owner, Property Manager, and Tenants, Co-Tenants, and Guarantor: Personal Information may be shared between property owner, or property manager and tenants to facilitate the provision of our AssuredRent, AssuredTenant, and AssuredIncome services and to address issues related to these services. For example, when you enroll a tenant, relevant information may be shared with us or partners and affiliates.

• Credit Bureaus: Personal Information may be shared with credit bureaus as part of our credit reporting functions and as permitted by law.

• Marketing and Advertising Partners: Personal Information may be shared with our marketing and advertising partners to provide you with customized content, targeted offers, and advertising. We do not share your Personal Information with third-party advertisers for their direct marketing purposes unless you consent to such disclosure.

• As Required by Law: We may disclose your Personal Information to third parties as required by law or subpoena, or if we reasonably believe that such action is necessary to (a) comply with legal requirements, (b) protect and defend our rights or property, (c) protect against misuse or unauthorized use of the Pensio Platform, (d) protect the personal safety or property of our users or the public, or (e) enforce the terms of this privacy policy.

• Business Transfers: As we continue to develop our business, we may buy, merge, or partner with other companies. In such transactions, (including in contemplation of such transactions) user information may be among the transferred assets. If a portion or all of our assets are sold or transferred to a third party, customer information (including your email address) would likely be one of the transferred business assets.

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12. Your Choices

Opting Out of Marketing Communications:  You have the right to opt out of receiving promotional emails, text messages, and other communications from us at any time by following the instructions provided in those communications or by contacting us using the information provided at the end of this policy. Please note that even if you opt out of receiving marketing communications, we may continue to send you non-promotional messages regarding your account and our ongoing business relations.

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Cookies and Tracking Technologies:  Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our Pensio Platform and web-enabled portal and our website, www.pensioglobal.com.

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Do Not Track Signals:  Some web browsers may transmit "do not track" signals to the websites and other online services with which your browser communicates. No standard governs what, if anything, websites should do when they receive these signals. Pensio currently does not take action in response to these signals. If and when a standard is established, we may revise our policy on responding to these signals.

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Updating Your Information:  If you have an account with us, you can review and update your account information by logging into your account and making the necessary changes. If you have any questions about updating your information or deleting your account, please contact us using the information provided at the end of this policy.

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13. Security

We take the security of your Personal Information seriously. We implement a variety of security measures to maintain the safety of your Personal Information when you enter, submit, or access your Personal Information. While we strive to protect your Personal Information, please be aware that no transmission of information over the internet or electronic storage is completely secure, and therefore we cannot guarantee absolute security.

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14. Changes to Our Privacy Policy

We may amend this privacy policy from time to time to reflect changes in our practices, the Pensio Platform, and applicable laws. If we make significant changes, we will notify you in accordance with applicable laws. We encourage you to review this privacy policy periodically to stay informed about how we are protecting your information.

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15. Contact Us

If you have any questions or concerns about this privacy policy or our practices, please contact us at:

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• privacy@pensioglobal.com  (please include "Privacy Policy" in the subject line of your correspondence)

 

Thank you for choosing Pensio!