Privacy Policy

Privacy Policy

Introduction

Welcome to https://cottonwood.pobb.net (referred to as “Cottonwood,” “we,” or “our”). We are committed to protecting your privacy and ensuring the security of your personal data. This comprehensive Privacy Policy outlines our practices regarding the collection, storage, handling, and processing of personal information in alignment with various international privacy laws, including:

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

Scope

This policy is applicable to all aspects of our online presence, including but not limited to:

  • Our official website at https://cottonwood.pobb.net
  • All associated applications and mobile apps
  • Online services and products offered by Cottonwood

Please note that this privacy statement does not extend to external platforms, applications, or services accessible through links on our site. These third-party entities have their own privacy policies governing data collection and use, so it’s essential to review those separately.

Processing Activities

This policy outlines the practices for personal data processing when:

  • You utilize our applications, services, or products as an authorized user.
  • You visit websites linked to this Privacy Policy.
  • You engage with us through communications such as newsletters, emails, phone calls, or text messages (SMS).

Personal Data Collection

We gather various categories of personal data to enhance your experience and personalize our services:

  • Account Information: Details associated with your user account, including usernames, passwords, email addresses, and profile settings.
  • Payment Information: Transaction details, payment card information, billing addresses, and order history.
  • Financial Information: Bank account numbers, investment portfolios (if provided), and financial transaction records.
  • Purchase Information: Product or service purchases, quantities, prices, and purchase dates.
  • Mobile Device Identifiers: Unique device identifiers, IP addresses, mobile network information, and advertising IDs.
  • Location Data: Geolocation data, GPS coordinates, and information about your general location (with your consent).
  • Feedback: Reviews, comments, suggestions, and ratings you provide us.
  • Social Media Information: Publicly available data from social media platforms when you choose to connect them with your Cottonwood account.
  • Product Information: Details about products or services you interact with, including preferences and usage patterns.

We collect this data through direct user input, interactions with our digital platforms, and automated technologies like cookies and tracking pixels. Additionally, third parties may share personal information with us, but they are bound by their own privacy agreements.

Cookies

Cookies play a crucial role in enhancing your experience on our platform:

  • Strictly Necessary Cookies: These cookies ensure the basic functions of our website, such as enabling user navigation and maintaining session data.
  • Preference Cookies: They remember user preferences, such as language settings or display options, to provide a customized experience.
  • Analytics Cookies: Used to gather analytics data, track site usage, and measure performance, helping us improve our services.

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

Retention and Deletion

We adhere to strict data retention policies in compliance with legal requirements:

  • Personal data is retained as long as necessary for the purposes it was collected, including fulfilling service-related obligations, providing support, and ensuring regulatory compliance.
  • Once the data’s purpose has been met or when it is no longer required by law, we securely delete or anonymize the information.

Security Measures

Protecting your data is a top priority:

  • We implement robust security measures to safeguard personal information against unauthorized access, disclosure, alteration, or destruction.
  • Encryption techniques are employed to secure data during transmission and storage.
  • Access to sensitive data is restricted to authorized personnel who require it to perform their duties.

Your Rights

Depending on your jurisdiction, you have various rights regarding your personal data:

  • Access: The right to request access to the personal information we hold about you.
  • Rectification: The right to rectify inaccurate or incomplete data.
  • Erasure (Right to be Forgotten): The right to request the deletion of your data, subject to certain exceptions.
  • Restriction: The ability to limit the use of your data in specific circumstances.
  • Portability: The right to receive your personal data in a structured, commonly used format.
  • Objection: The right to object to the processing of your data for specific purposes.
  • Non-Discrimination: The right to be free from discriminatory practices based on your exercise of data protection rights.

To exercise any of these rights, please contact our privacy team through the channels provided in this policy.

Changes to Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting on our website, and we encourage users to review the policy periodically.

Contact Information

For any inquiries, unsubscribe requests, data-related questions, or if you wish to exercise your rights as outlined in this policy, please contact us: