Website Privacy Statement

We respect your concerns about privacy. In this privacy statement, we describe, among other things, our collection, use, and disclosure of personal information, as well as our use of cookies on our websites. For the purpose of this privacy statement, the “NavSolutions” “Company”, “we” and “us” refer to Navigator Solutions Group, LLC and its affiliates, as the context requires.

 

We provide client subscriptions for a proprietary software-as-a-service application designed to simplify complex debt and lease management, Intelligent Portfolio, www.navigatorip.com (the “Software”). Users accessing our Software (“Users”) do so only on behalf of the clients that have contractually agreed to the terms & conditions applicable to the applicable Software. We also maintain public websites under the domain name www.navsolutions.net and www.intelligent-portfolio.com  (collectively, the “Public Websites”). Individuals accessing our Public Websites are referred to in this privacy statement as “Visitors.”  If you have any questions, please contact us at info@intelligent-portoflio.com.

 

This privacy statement applies to NavSolutions processing of personal information; provided, however, that with respect to any conflict between this privacy statement and the terms of any applicable subscription agreement or product-specific term and conditions between NavSolutions and a client, the terms of such subscription agreement or product-specific terms shall govern. This privacy statement does not apply to NavSolutions employees, contractors, or job applicants, or to information relating to such persons.

 

NavSolutions acts as the controller of personal information described in this privacy statement, except to the extent that NavSolutions acts on behalf of its clients in providing the Software. In the latter case, NavSolutions acts as a processor and the client is the controller of personal information.

 

Personal Information We Collect

We may collect the following types of personal information from the following sources:

• Information About Visitors and Prospective Clients. We may collect information that your browser sends whenever you visit our websites ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, and the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

• User Information. Through our Software, we collect business contact information about our clients’ Users, including their business email address (which is required for use of the Software) and, at their election, their name, business telephone number and business postal address.

• Session Information. Through our Public Websites and Software, we may collect information about the Visitor’s or User’s activities, interactions, preferences, transactional information and other computer and connection information (such as IP address) relating to the Visitor’s use of our Public Website (which may include the website from which the visitor navigates to our Public Website) or the User’s use of our Software. This information may be collected using log files, session recordings, cookies and similar technologies.

• Debt & Lease Data. Relevant terms or provisions of our clients’ bonds and leases or the other source documents relating to financial reporting may be entered into the Software in the form of records. At the option of the client, a copy (typically in pdf) of the entire source document may also be uploaded into the Software. These source documents may contain personal information, such as names, titles, and business contact information for, as examples, signatories or required recipients of legal notices.

• Correspondence. We may collect and retain records of any correspondence we have with Visitors and Users.

 

The legal bases on which we process personal information, to the extent applicable, are as follows: (1) In connection with performing our contracts with our customers; (2) in connection with complying with our legal obligations; (3) in pursuit of our legitimate business interests, such as, without limitation, the operation of our business, sales and marketing, prevention of fraud, and (4) compliance with our policies and legal obligations.

 

How We Use the Personal Information We Obtain

We may use the personal information we collect about Visitors and Users on our Public Websites and our Software:

• To improve and personalize their experience when they use our websites;

• To improve our products and services and for the development of future products and services;

• For internal record keeping, administration of records and statistical analysis; and

• For compliance with applicable laws and/or regulations or as otherwise required or permitted by applicable laws and/or regulations.

In addition, we may use personal information about Visitors of our Public Websites and/or representatives of prospective clients:

• To contact them regarding any inquiry they make or to fulfill a request, such as a request for a demo or information about our Software or related services;

• To share with them an e-newsletter, blog entry or any other updates, communications or publications; and

• For direct marketing purposes (see “Direct Marketing” below).

We may also use personal information about Users of our Software:

• In connection with the performance of our services by, for example, verifying login credentials, delivering reminders of upcoming critical dates, monitoring compliance with the terms of the client’s subscription, maintaining and providing our clients with records of changes to records in the Software, providing support services, and informing Users of new features, functionalities or services; and

• To otherwise manage our business, for example, for billing purposes.

 

Disclosures of the Personal Information We Collect

We may disclose personal information about Visitors and Users:

• With respect to Users, to our client on whose behalf the User accesses our Software;

• To our affiliates;

• In response to a court order or a request for cooperation or other inquiry from a regulatory, law enforcement or other government agency;

• To establish or exercise our legal rights, to defend legal claims, or as otherwise required or permitted by applicable laws and/or regulations;

• When we believe that disclosure is appropriate in connection with efforts to investigate, prevent, or take action regarding actual or suspected illegal activity, fraud, or other wrongdoing, or compliance with our policies; and

• To purchasers and, subject to local legal requirements, prospective purchasers in the event that NavSolutions disposes of, or considers the disposition of, any of its business or assets.

 

We do not make a practice of selling, sharing, trading or renting your personal information to others in ways that differ from what is disclosed within this policy, agreed to contractually by our clients or otherwise with their permission.

 

Retention

We retain personal information from visitors for the period of time, not to exceed sixty (60) days, for the purpose for which it was collected. We retain personal information from our clients for the period of time in which they are a client. Upon clients subscription expiration, or at which time client is no longer using our software-as-a-service, NavSolutions will not maintain such records longer than sixty (60) days from the end of service.

 

Direct Marketing

We may use your personal information to provide you with direct marketing information about our products and services.

 

Our direct marketing may be by email, telephone, text or such other methods as may become relevant.

We will take steps to seek to ensure that any direct marketing from us and which is sent by electronic means will provide a simple means for you to stop further communications, in accordance with applicable law. For example, in emails, we may provide you with an “unsubscribe” link, or an email address to which you can send an opt-out request. In addition, if we need your consent for direct marketing communications under applicable law, and if you provide your consent, you will be able to change your mind at any time.

 

Commitment to Security

We take efforts to protect the security and privacy of the information we receive via our websites. We maintain safeguards designed to protect the personal information you provide via our website against unauthorized access, use and disclosure.

 

Any suspected attempt to breach our policies and procedures, or to engage in any type of unauthorized action involving our information systems, may be regarded as potential criminal activity. Suspected computer mischief may be reported to the appropriate authorities.

 

Please remember that communications over the internet such as emails are not secure, and like all website operators, we cannot guarantee the security of any data transmitted through our website.

For application security please click here.

 

Cookies

Cookies are small text files that our website asks to place on your computer’s hard drive. If your browser is configured to accept cookies, then your browser adds the text in a small file. We do not use cookies to read any other information on your computer’s hard drive. We use cookie technology to authenticate your access to various areas of our websites, understand your interests, help analyze web traffic and tailor content to your preferences. You can configure your browser to refuse cookies, or to warn you before a cookie is placed. If you disable cookies, you may not be able to use the full array of features available on our website.

 

We may include web beacons or transparent GIF files on our websites and messages, which we would use in conjunction with cookies to help us manage our online advertising and measure its effectiveness, identify our users, and analyze traffic. Web beacons may also assist us with understanding which advertisements are most effective by notifying us if webpages, emails or ads have been viewed or clicked.

 

We may also use other technologies similar to cookies and web beacons such as tags and scripts. These technologies are used for similar purposes as cookies and web beacons. We and our third-party partners may also use these technologies to provide certain features on our website and/or to store content information and preferences. Various browsers may offer their own management tools for removing these technologies.

 

Analytics

Our website uses Google analytics, a web analytics service provided by Google, Inc. (“Google”). Google analytics uses its own cookies to help us analyze how you and other users use our website. The information generated by the cookie about your use of our website (which may include your IP address, the internet browser and language you use, preferences, the date and hour of your access to the web page and the websites you access after visiting our website) will be transmitted to and stored by Google.

To opt out of being tracked by Google Analytics, visit:

https://tools.google.com/dlpage/gaoptout/

 

How to Delete or Block Cookies at Any Time

You can manage cookies and similar technologies used on the Public Website at any time by clicking here. You may delete or block cookies at any time by changing your browser settings. Click “Help” in the toolbar of your browser for instructions, or review the cookie management guide produced by the Interactive Advertising Bureau – www.allaboutcookies.org. If you delete or block cookies, some of the features on our website may not function properly. Some browsers have a “do not track” feature that allows you notify websites that you do not want to have your online activities tracked. At this time, our website does not respond to “do not track” requests from browsers.

 

External Links

NavSolutions may provide links on our website to other websites that are not under our control. We do not endorse or make any warranty of any type regarding the content contained on such websites or products and services offered on those websites. We make no representation regarding your use of such websites. Please be aware that we are not responsible for the privacy practices of the operators of other websites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personal information. This policy applies solely to information collected by us. You should read any other applicable privacy and cookies policies carefully before accessing and using such other websites.

 

Third Party Providers (Clients)

Intelligent Portfolio application may use third party services, which inside the application are optional features. For details regarding their privacy policy please refer to their websites:

1. Plaid (banking)

2. Postmark (application email service)

 

This policy applies solely to information collected by us. You should read any other applicable privacy and cookies policies carefully before accessing and using such other websites or services.

 

Disclosures regarding “Sale” of Personal Information

We do not sell personal information for monetary consideration.

 

Children

Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 ("Children").​ We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children under age 13 without verification of parental consent, we take steps to remove that information from our servers.

 

Privacy Requests

Users own their data alone, therefore, to the extent required under applicable law, you may (1) request access to the personal information we maintain about you, (2) request to update and correct inaccuracies in your personal information, (3) request to restrict or object to the processing of your personal information, (4) request to have personal information deleted, (5) request that we transmit personal information to another company; and (6) lodge a complaint with a supervisory authority. To the extent we have previously obtained your consent regarding the processing of your personal information, you may have a right to withdraw such consent at any time and free of charge. We will apply your preferences going forward and this will not affect the lawfulness of the processing before your consent withdrawal.

 

California Residents

This section of our Privacy Statement applies solely to California residents.

 

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

 

If you are under 18 years of age, reside in California, and have a registered account with the Website, you have the right to request removal of unwanted data that you publicly post on the Website. To request  removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Website, but please be aware that the data may not be completely or comprehensively removed from all our systems and backups.

 

Updates

We may change this policy from time to time by updating this page. We will not necessarily bring changes or updates to your attention, so please revisit this page periodically to re-read this policy and to ensure you are aware of any changes when you visit the website.  Subject to applicable law, we may not discriminate against you because of your exercise of any of the above rights. Please note that, as required by applicable law, we may take steps to verify your identity before acting on your request to exercise any of the above rights. We may limit our response to your exercise of the above rights as permitted under applicable law. To request to exercise these rights, please contact.

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