What is privacy and why does it matter?
Privacy is more than just protecting you when you share your personal information whenever you use our products and services, or when you use our websites. Privacy is about our obligation to collect, use and disclose this information only for the purposes we’ve explained to you. At Atlanta Discount Home Deals, LLC d.b.a. America’s Discount Home Deals ( “ADHD”), we have a long history of protecting your information. Your information lets us give you the best possible service and products.
Our global privacy commitment
Doing the right thing for the people whose lives we touch every day.
Atlanta Discount Home Deals, LLC d.b.a. America’s Discount Home Deals ( “ADHD”) is committed to protecting the privacy of all personal information provided to us. Using this information properly is at the root of our success. It provides us with insight to deliver the right products and services to you at the right time and in the right way.
Our privacy commitment is to comply with applicable country privacy laws. it is about doing the right thing for the people whose lives we touch every day through the use of their personal information as collected or received by us. The following principles reflect our commitment to safeguarding personal information in our care:
- We keep your personal information and the business you do with us in strict confidence.
- We collect, use or disclose personal information from you only to provide you with financial and insurance products and services to help you meet your lifetime needs.
- We obtain personal information about you lawfully and fairly.
- We do not disclose personal information without your permission except where permitted or required by law or competent authority. But we may share personal information with our agents, service providers, or, where permitted by law, our affiliates in connection with providing, administering, and servicing our products and services on our behalf.
- Where we choose to have certain services, such as data processing, provided by third-party agents or service providers on our behalf, we do so in accordance with applicable law. In some cases, we may transfer your personal information to our employees, service providers, or agents located in countries other than where the information was provided.
- We are responsible for all personal information in our possession, including information transferred to third parties performing services on our behalf. All such persons, wherever they are located, are required by us to protect the confidentiality of your personal information in a manner consistent with our privacy policies and practices.
- We maintain appropriate procedures to ensure that personal information in our possession is accurate and, where necessary, kept up to date. To the extent required by applicable law, you may seek a correction of your personal information if you believe that the information we have is not accurate.
- We try to respond to requests for access to – or correction of – personal information as soon as reasonably possible. In circumstances where the law does not entitle you to access, we will explain why access is denied.
- We maintain technical and organizational safeguards to protect your personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. We limit access to those who have a business need to know.
ADHD has physical, electronic, and procedural safeguards to help protect the personal information provided through online transactions and activities. Read more about the methods we use to help protect your information online.
Local privacy policies and codes
We are an international provider of financial products and services, operating in many countries around the world. In some countries in which we do business, this privacy commitment is supplemented by more detailed privacy policies or codes specific to the requirements of those countries. When you access or link to any of our ADHD company’s websites, read the privacy statement found on the local website to determine any local policies or codes that apply to your information in that region.
Our Chief Privacy Officer for the enterprise is MJ Jackson, and we have privacy officers in each region where we do business. If you have any questions, concerns, or complaints about the protection of your personal information at ADHD or the ADHD group of companies, contact our privacy officer.
Questions about your privacy?
If you have questions about our privacy practices and policies, contact our Privacy Officer via email at firstname.lastname@example.org
Our online privacy statement
How we safeguard your personal information and what types of information we receive and collect when you visit our websites
Your privacy is important to us. We want you to understand how we safeguard your personal information and what types of information we receive and collect when you visit our websites.
Personal information and online security
The term “personal information” includes any individually identifiable information about you that we may collect from you online, such as your name, address, email address, telephone number, or social security number.
When you visit an ADHD website, you are anonymous unless you choose to identify yourself. You are not required to provide personal information to use our websites unless a feature requires it. For example, if you have a product or contract with us and wish to access your account online, you will need to provide identifying information. In these cases, we have physical, electronic, and procedural safeguards in place to help protect your online personal information from unauthorized use or improper access. These safeguards may include:
- Passwords and personal identification numbers (PINs): Clients can access their account information online only after providing identifying information and a password or PIN. This information is unique to you and is an important first step in protecting your information online.
- 128-bit encryption: ADHD uses a Secure Sockets Layer (SSL) protocol to protect personal information transmitted to us electronically. SSL transmitted information is encrypted, or scrambled, to prevent unauthorized reading of the electronic communication.
Although we have physical, electronic, and procedural safeguards that we believe are adequate to protect personal information, any such systems may be subject to human and operational error. In particular, because the Internet is an open system, we cannot and do not guarantee that personal information entered by you online will not be misappropriated, intercepted, modified, deleted, or used by others.
If you think that any personal information we have collected about you is inaccurate, you may send a written request to us at the following address: ADHD, 5400 Glenridge Dr. NE Suite 420756 Sandy Springs, GA, 30342. We will review your request and make appropriate changes if warranted.
You may choose not to provide your personal information through an ADHD website and use an alternative form of communication such as telephone, fax, or regular mail.
Online data collection tools: Improving and evaluating website functionality and effectiveness
ADHD and its companies, like many organizations, sometimes gather data, such as your IP address, regarding how visitors explore our websites – information about the number of new and repeat visitors, where on the website a visitor explores, how long they visit, where they are geographically located and similar details. We may also track how many users visit advertisements promoting our products and services that appear on other company websites. All such information is collected in an unidentifiable form and is used to improve our website’s performance and functionality, create a better experience for our visitors, measure the response to web marketing campaigns, and provide you with more relevant content based on your possible interests in ADHD content, products, and services.
What are cookies and web beacons?
A cookie is a small piece of information that a website sends to your computer where it is stored on your hard drive. The next time you visit our website, we may use the information stored on your cookie to make your visit easier. A cookie does not tell us your identity unless you have chosen to provide it to us. Cookies cannot access other information or files from your computer. There are 2 types of cookies – session cookies and permanent or persistent cookies.
A session cookie (sometimes called a “transient” cookie) is erased when you close your Internet browser and leave our website. In the United Kingdom, only session cookies are used.
A “permanent” cookie is a file that remains on your computer when you close your Internet browser. A permanent cookie can be read only by the website that created the cookie when you revisit that site. Permanent cookies are not used in all of our jurisdictions.
Cookies can identify a visitor only if the visitor has used a website’s login feature. If you ask us to save your access ID to be used the next time you visit our website, we will use a permanent cookie to store your access ID in an encrypted format on your computer so that the next time you visit the website you will be recognized when you sign in. In this way, the website can recall your preferences and provide a more customized experience.
Permanent cookies have expiry dates and are automatically deleted from your computer after their expiry date. You can also clear your stored cookies via your browser preferences on your computer. However, unless you have settings that disallow cookies, the next time you visit our website, a new cookie will be added. You can set your website browser to notify you when you receive a cookie so that you can decide whether to accept or reject it. Since the procedure for altering preferences varies by browser you should check the “Help” menu of your browser to learn how to alter your cookie preferences. Please note, however, that rejecting cookies while visiting the ADHD website may result in certain parts of the website not functioning correctly or as efficiently as if cookies were allowed.
The permanent cookies that may be placed on your computer by the Google Display Network relating to web marketing campaigns are used to increase the relevance of display ads you may see when you visit other websites that are serviced by the Google Display Network. To opt out of these cookies, select the opt-out button on the Google Privacy Centre page.
Web beacons are a collective term used to refer to “pixel tags”, “web beacons” or “clear GIF images” embedded in a web page and usually invisible to the user. Web beacons are used for many of the same purposes as cookies, allowing ADHDor its agents on behalf of ADHD to compile aggregate statistics about website usage patterns, such as how many times a link or an area on a website is clicked.
All the information collected by any of these online tracking tools is non-personal and is not used in connection with any other information that could identify you personally unless you have entered your access ID and password or provided it to us through your permanent cookie.
We may share the site visit information obtained using cookies, web beacons, and other similar technologies with Google Analytics or other agents to analyze online activity on our websites or in reaction to our online advertisements.
Links to websites outside of ADHD Websites
To provide website visitors with more information that may be helpful to them, some of our websites contain links to other websites that are not affiliated with or maintained by ADHD. We do not monitor the privacy practices of these third-party sites and do not have authority over them. As a result, we do not assume any responsibility for the data collection policies and procedures of these sites.
Collection of personal information from children
ADHD websites are not directed at children. Our member company websites do not knowingly collect information from children under the age of 18.
Please be aware that we may update and modify this online privacy statement at any time. Please review this section each time you access and/or use our websites.
Effective Date: August 14, 2022
In this document, you and your mean any individual whose personal information we collect, use and disclose as described in this policy, and we, us and our mean ADHD and its group of companies. Click here to view a full list of ADHD and it’s companies)
Our commitment to protecting your privacy, our policy
Collecting personal information about you is essential to our ability to offer you high-quality investment, retirement, and insurance products and to provide you with ongoing services relating to your lifetime financial needs. We take great care to keep your personal information which we collect accurate, confidential, and secure.
How we collect, use, and disclose personal information
How we collect
We may collect information about you in writing, electronically, or verbally. If we collect your information by telephone, the call may be recorded for monitoring, quality improvement, and training purposes, or to create a record of your information and your instructions.
We ask you for only the information we need
We only collect the information about you that we need, such as financial, health, lifestyle, and contact information, from you and other persons for the purpose identified to you.
Our files containing information about you are kept for the purpose of providing and servicing real estate products and services that we believe are right for you, over your lifetime.
We will not sell your personal information.
Why we need the information
Generally, we need to collect personal information to:
- understand your needs, the suitability of our products and services, and assess future needs through customer surveys, market research, and analysis,
- determine your eligibility,
- continue to offer you and administer the full range of products and services that you have with us, in accordance with legal requirements,
- identify you and implement risk management programs and procedures to protect against fraud, errors or misrepresentations, and
- meet regulatory or contractual requirements.
We will obtain your permission
We collect, use or disclose your personal information with your permission for the purpose identified, or as allowed or required under the law.
Your permission may be expressed in writing or be implied and you may give it to us verbally, electronically, or through your authorized representative.
You may withdraw your permission to collect, use and disclose your personal information at any time, subject to legal and contractual restrictions and reasonable notice. However, without your permission, we may not be able to provide you with the products or services you requested.
Before we make information available to third parties, other than an advisor, reinsurer, or service provider who needs it to conduct tasks on our behalf, we will tell you at the time we obtain your consent or before we make the information available who those persons or organizations are, the kind of information we need to share with them and why.
You have a choice
We may occasionally inform you of other financial products and services that we believe meet your changing needs. If you do not wish to receive these offers, let us know by calling 404-305.3888. If you ask us to remove your contact information from our marketing records, we will do this in a timely fashion.
We will limit how long we keep information
We will keep your personal information as long as legally or operationally necessary.
We will protect your personal information
We are responsible for your information
How we protect information
Access to your personal information is restricted to those of ADHD team members, distribution partners, and authorized third-party service providers who need it to do their jobs.
We have developed and continue to enhance security procedures to safeguard and protect personal information against loss, theft, unauthorized disclosure, copying, and unauthorized use or modification. We maintain appropriate safeguards and security procedures that reflect the types of documents, including electronic or paper records, organizational measures including security clearances and limiting access on a “need-to-know” basis, and technological measures such as the use of passwords and encryption. While we endeavor to protect all information, the most sensitive information, such as medical information, receives the highest level of protection.
Your right to access your personal information
You have the right to ask in writing whether we hold any personal information about you, to see that information, and how we collect, use or disclose your personal information. We may not be able to provide you with all the information you request, depending on the circumstances, and there may be a charge for any copy of personal information requested.
How to request an update or correction
If you believe any of the information we have collected about you is incorrect or incomplete, you have the right to ask us to change it, or you may contact us to update your personal information in our records.
If you show that your personal information is inaccurate or incomplete, we will make the necessary changes as appropriate.
If you feel we have not dealt with your request to your satisfaction, you can email us at email@example.com.
How to register complaints
You may register a privacy-related complaint by contacting ADHD’s Privacy Officer. We will explain our complaint procedure to you and investigate all complaints. If a complaint is justified, we will take all appropriate steps to set the situation right, including changing our policies and practices if necessary. We will also let you know what other complaint procedures may be available to you.
For more information and how to contact us
Principle 1 – Accountability
Each member company, employee, independent contractor, or agent of ADHD is responsible for personal information under his or her control and each member company shall designate an individual or individuals to be accountable for compliance with this Code.
Principle 2 – Identifying Purposes
The purposes for which personal information is collected shall be identified before or at the time the information is collected.
Principle 3 – Consent
The prior knowledge and permission of the individual are required for the collection, use, or disclosure of personal information, except for legal or security reasons.
Principle 4 – Limiting Collection
The collection of personal information shall be limited to that which is necessary for the purposes identified. Personal information shall be collected by fair and lawful means.
Principle 5 – Limiting Use, Disclosure, and Retention
Personal information will not be used, disclosed, or retained for purposes other than those for which the information was collected, except with the permission of the individual, or as permitted or required by law.
Principle 6 – Accuracy
Personal information shall be as accurate, complete, and current as is necessary for the identified purposes for which it is to be used.
Principle 7 – Safeguarding Information
Personal information will be protected by safeguards appropriate to the sensitivity of the information.
Principle 8 – Openness
Members of the ADHD group of companies will make readily available to their customer’s specific information about our policies and procedures relating to the management of their personal information.
Principle 9 – Individual Access
Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information and shall be given access to it. An individual will be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
Principle 10 – Handling Customer Complaints and Suggestions
Individuals can address any complaint regarding compliance with the above principles with our Privacy Officer.
Commenting Policy for ADHD’s Social Media Channels
ADHD invites you to provide us with your comments through our social channels.
By posting a public comment, you acknowledge and agree that it is not confidential and that if it isn’t your own you have permission to post it. By posting it, you are also giving ADHD the right to re-use it in any way. From time to time, ADHD may, at its discretion, modify this commenting policy.
ADHD reserves the right to remove any comments that it views to be in violation of any of the following guidelines:
- Protect your privacy
Any comments or posts to the public areas of our social channels should not include personal or sensitive information. This includes policy, claim or account numbers, as well as email addresses, phone numbers, or mailing addresses. ADHD will take steps to remove (or encourage you to remove) public comments that include personal information. Although private messages via the social platform are not accessible to the public at large, ADHD strongly recommends you use caution when sharing personal information through social media channels. All of your activity on a social media platform is subject to that site’s then current terms and conditions, along with their privacy and data security practices and policies. These platforms are not affiliated with ADHD and may have practices and policies that are different from our own. For more information on ADHD’s commitment to privacy, please visit the privacy page on our website.
- Respect others
Please do not publicly identify or reference information about others that have not been voluntarily made available by them in a public post. This includes, but is not limited to, ADHD team members, advisors, agents, and contractors.
- Content Restrictions
All applicable laws including copyright laws must be followed. Do not use racist, sexist, and/or offensive language. Personal attacks are not permitted. Any comments that are abusive, hateful, or of a defamatory nature are not permitted. Do not post a comment that breaks the law or encourages bad behavior. Do not include false information. Do not include links to any content with a virus or other harmful component. ADHD is not responsible if there are any claims from third parties related to your comments on our social media channels.
- Be relevant and considerate
We ask that you please keep your comments relevant to the topic of conversation. ADHD will determine if a comment is off topic at its sole discretion, and if appropriate, remove it. Comments that include solicitations will be deleted.
- Posts are subject to removal.
ADHD reserves the right to delete/hide any comments that it views to be in violation of this Commenting Policy. We may ban repeat offenders from our social media channels and/or those committing significant violations of these policies.