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Last updated: September 15, 2023
This Online Privacy Policy (hereinafter sometimes referred to as the “Notice” or “Privacy Policy”) applies to the www.CGRFinance.com online interface (i.e., website) owned and operated by CGR Finance LLC (“CGR Finance”), and any CGR Finance parent, affiliate, or subsidiary online interface that links to this Notice (each a “Site” and collectively the “Sites”). The terms “we,” “us,” or “our” in this Notice are intended to include parents, affiliates, or subsidiaries of CGR Finance that link to this Notice. This Notice describes how Sites may collect, use, and share information from or about you, and explains how information may be collected and used for advertising purposes. This Privacy Policy is intended to help you, the end user of the Site, understand our online information security practices. For additional details about the Site and the information provided on the Site, please review our Terms and Conditions of Use, which may be accessed here.
Agreement to this Policy: By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein. If you do not agree with any of its terms, please do not use this Site or submit any personal information.
We take our ethical responsibilities and your privacy extremely seriously. We have a strong commitment both to the ethical handling of your information and to providing excellent service to all our customers and visitors to this Site. This Privacy Policy discloses how we collect, protect, use, and share information gathered about you on our website. We hope that this disclosure will help increase your confidence in our website specifically and enhance your experience on the Internet generally. Therefore, in compliance with industry standards and regulations typically enforced by the federal and state governments, we abide the following privacy policy.
BROWSING
This website may collect and use IP addresses, browser types, and access times to analyze trends, administer the site, improve site performance, and gather broad demographic information for aggregate use. When you request a page from our website, our servers may log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you with the functionality you see on the CGR Finance website. We also use this information to better understand how visitors use our website and how we can better fine-tune it, its contents, and functionality to best meet your needs.
INFORMATION WE COLLECT AND ITS USES
We collect your personal information if you decide to utilize our services, participate in an affiliate marketing program, subscribe to one of our newsletters, complete a form, participate in one of our surveys or transact other business with us. We may need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At any time, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number and, if you utilize our services, credit card information, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing your requests.
In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us.
We may also use the information we collect for other reasons including, but not limited to:
Aside from the ways mentioned above, we may also use your information for other legally permissible purposes. We may use your personally identifiable information in other ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of websites, or the purchase of products or services.). Examples of some additional legally permissible purposes are:
If you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution, you are still consenting to being contacted by us or by our service providers through any means.
SHARING, SELLING, AND DISCLOSING PERSONAL INFORMATION
CGR Finance may sell, share, or disclose your information as described herein, unless you “Opt-Out” of certain sharing as directed below.
Service Providers and Affiliates: CGR Finance may use other third parties to provide certain clerical and information processing services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services. These third parties are prohibited from using your personally identifiable information for any other purpose. We may disclose a consumer’s personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by or under the common control of CGR Finance. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. Use of the information provided to service providers for any other purpose than suggested is prohibited. By submitting a request, you have agreed to be contacted by us or by our service providers through any means, based on the information you provided to us.
Third Parties and Business Partners: WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. CGR Finance may sell, license, or transfer your information to third parties for the purposes of sending you offers of goods or services via email, postal mail and/or telemarketing. This may include the transfer of your name, address, phone number, email address, IP Address, date/time you visited the Site, and evidence that you have accepted any terms on the Site (including the Terms of Use or this Privacy Policy). We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.
CHOICE/OPT-OUT
We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.
If you no longer wish to receive emails from us and/or promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at [email protected]. Please provide us with detailed email on communications you would like to opt out of.
If your information has been shared with a third party has indicated above to provide you with promotional communications, your opt-out will not apply to those third parties. If you do not wish to be contacted by the third party after prior interaction, you must make a specific request to that provider, NOT CGR Finance.
We may share information with third parties as indicated above. If you do not wish to have your personal information shared, sold or disclosed to a third party that is not our agent/service provider, please contact to actively opt-out of having your personal information shared. To do so, you can call or email CGR Finance to opt out of sharing at: 877-563-7244 or [email protected].
SECURING THE TRANSMISSION AND STORAGE OF INFORMATION
The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.
Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the internet.
After information reaches CGR Finance, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of CGR Finance. You can help to maintain the security of your online transactions by not sharing your personal information or password with any. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about the security on our Web site, please feel free to e-mail us.
LOG FILES
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user-base as a whole. We do not link this automatically-collected data to personally identifiable information.
COOKIES
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. We can, at your option, set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.
This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.
CLEAR GIFS (WEB BEACONS/WEB BUGS)
We employ a software technology called clear gifs, also called Web Beacons or Web Bugs, that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see “Choice/Opt-out.”
LINKS TO OTHER SITES
This Web site may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses CGR Finance’s use and disclosure of your information collected on this site.
While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.
CO-BRANDED SITES
We may be co-branded with “partners and affiliates”. These business-to-business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by CGR Finance.
UPDATES TO PERSONALLY IDENTIFIABLE INFORMATION
We strive to keep all personal information accurate and complete. You can access or change your personal information at any time; provided, however, that we may reject requests that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or would be extremely impractical. We may also refuse a request to delete information if maintaining the information is required by law or is part of a fraud investigation, or as otherwise described in this Privacy Policy.
CUSTOMER SERVICE
If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.
Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.
LEGAL DISCLAIMER
We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.).
SUPPLEMENTATION OF INFORMATION
In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.
BUSINESS TRANSITIONS
In the event CGR Finance goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You may, in our sole discretion, be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.
Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing [email protected]. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].
Notice to Users Outside of the United States
This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.
Protecting Children’s Privacy Online
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.
NOTICE TO CALIFORNIA RESIDENTS
If you are a California resident, California law may provide you with additional rights concerning CGR Finance’s collection and use of your personal information. After reading this Online Privacy Policy, please click here to visit CGR Finance’s California Privacy Notice to learn more about your California Privacy Rights.
CHANGES TO THIS PRIVACY STATEMENT
We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.
We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
Privacy Statement – California
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Online Privacy Policy of CGR Finance, LLC and its subsidiaries (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
|
Category |
Examples |
Collected |
|
A. Identifiers. |
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. |
YES |
|
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). |
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. |
YES |
|
C. Protected classification characteristics under California or federal law. |
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). |
YES |
|
D. Commercial information. |
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
YES |
|
E. Biometric information. |
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. |
NO |
|
F. Internet or other similar network activity. |
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. |
YES |
|
G. Geolocation data. |
Physical location or movements. |
NO |
|
H. Sensory data. |
Audio, electronic, visual, thermal, olfactory, or similar information. |
NO |
|
I. Professional or employment-related information. |
Current or past job history or performance evaluations. |
NO |
|
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). |
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
NO |
|
K. Inferences drawn from other personal information. |
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
NO |
Personal information does not include:
We obtain the categories of personal information listed above from the following categories of sources:
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial Information.
We disclose your personal information for a business purpose to the following categories of third parties:
Selling Personal Information
In the preceding 12 months, we have sold the below categories of information:
We sell these categories of personal information for commercial purposes to the following categories of third parties:
Please note that once we sell your personal information with another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
Opt-Out Right
You have the right to request that CGR Finance no longer sell your personal information. To exercise that right, please click here: Do Not Sell My Personal Information or Calling us toll-free during business hours at: 1-877-563-7244.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
California Online Privacy Protection Act
In response to California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
California Do Not Track Disclosures
How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
Does our site allow third party behavioral tracking?
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.CGRFinance.com?
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
Terms of Use
Updated November 2022
IMPORTANT – BEFORE INSTALLING, ACCESSING, OR USING ANY PART OF THE CGR FINANCE, LLC (“CGR FINANCE”) WEB SITE LOCATED AT WWW.CGRFINANCE.COM.COM AND ANY PROGRAMS, SERVICES, PRODUCTS, MATERIALS, DOCUMENTATION, AND INFORMATION AVAILABLE THROUGH THE SITE OR USED IN CONNECTION THEREWITH (COLLECTIVELY, THE “SITE”), YOU SHOULD READ THE FOLLOWING TERMS AND CONDITIONS CONTAINED IN THIS TERMS OF SERVICE AGREEMENT (THE “TOU”) CAREFULLY AS THEY GOVERN YOUR ACCESS TO AND USE OF THIS SITE. CGR FINANCE IS WILLING TO LICENSE THE USE OF THE SITE TO YOU ONLY ON THE CONDITION THAT YOU ACCEPT ALL OF THE TERMS AND CONDITIONS CONTAINED IN THIS TOU. IF YOU DO NOT AGREE WITH THIS TOU, YOU ARE NOT GRANTED PERMISSION BY CGR FINANCE TO ACCESS OR OTHERWISE USE THIS SITE AND ARE INSTRUCTED TO EXIT THIS SITE IMMEDIATELY. BY ACCESSING THE SITE, YOU AGREE TO ABIDE AND BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW.
This Site is provided by CGR Finance. This TOU provides you, a “User,” with a personal, revocable, limited, non-exclusive, royalty-free, nontransferable license to use this Site conditioned on your continued compliance with the terms and conditions of this TOU. You may print and download materials and information from this Site solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. This TOU is a license and not an assignment or sale. Any rights granted hereby are licensed and not sold or otherwise transferred to you. Accordingly, you expressly acknowledge and agree that CGR Finance transfers no ownership or intellectual property interest in and to the Site to you or anyone else.
By installing, accessing, or using this Site, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Site, including, without limitation, when you provide information via a Site registration form. If you provide any false, inaccurate, untrue, or incomplete information, CGR Finance reserves the right to terminate your access and use of this Site. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Site and agree not to interfere with the use and enjoyment of this Site by other Users and CGR Finance’s operation or management of this Site. Moreover, you agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of CGR Finance, when using this Site.
Use of the Internet and this Site is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While CGR Finance has endeavored to create a secure and reliable Site, you should understand that the confidentiality of any communication or material transmitted to/from the Site over the Internet or other global communication network cannot be guaranteed.
Moreover, you understand that the technical processing and transmission of the Site may involve transmission over various networks. Accordingly, CGR Finance is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Site, or for the consequences of any reliance on such information. You assume sole and complete risk for using this Site and must make your own determination as to these issues.
Notwithstanding the foregoing, you may not modify, alter, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, reproduce, publish, remove, or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, grant a security interest in, transfer any right(s) in, or otherwise use in any manner not expressly permitted herein the Site. Moreover, you may not (i) use any “deep link,” “page scrape,” “robot,” “spider,” or other automatic device, program, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Site or in any way reproduce or circumvent the navigational structure or presentation of the Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site, (ii) attempt to gain unauthorized access to any portion or feature of the Site or any other systems or networks connected to the Site or to any CGR Finance server or to any of the services offered on or through the Site, by hacking, password “mining,” or any other illegitimate means, (iii) probe, scan, or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site, (iv) reverse look-up, trace, or seek to trace any information on any other user of or visitor to the Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or CGR Finance’s systems or networks or any systems or networks connected to the Site, (vi) use any device, software, or routine to interfere with the proper working of the Site or any transaction conducted on the Site, or with any other person’s use of the Site, and (vii) forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to CGR Finance on or through the Site. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, OR MATERIALS PROVIDED BY CGR FINANCE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. Actual or attempted unauthorized use of the Site may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986. CGR Finance reserves the right to view, monitor, and record activity on the Site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. CGR Finance will also comply with all court orders involving requests for such information. In addition to the foregoing, CGR Finance reserves the right to at any time, and without notice, to modify, suspend, terminate, or interrupt operation of or access to the Site, or any portion of the Site, for any reason. If you have any questions about the license granted to you by using the Site and the corresponding license restrictions, the obligations imposed on you by your use of the Site, or any other section of this TOU, please contact CGR Finance at [email protected].
This TOU will take effect at the time you agree to them by beginning to access or use this Site, whichever is earliest. CGR Finance reserves the right at any time and for any reason to deny you access to the Site or to any portion thereof and to terminate your permission to use the Site without any notice to you. Your permission to use the Site will be automatically revoked if you fail to comply with the limitations described herein. You may voluntarily terminate your agreement to this TOU at any time by ceasing to use the Site, but all applicable provisions of this TOU will survive termination of your agreement to the TOU, as outlined below. Upon termination, you must destroy all copies of any aspect of the Site in your possession. The provisions of this TOU concerning proprietary and intellectual property rights, submissions, events beyond CGR Finance’s control, confidentiality, indemnity, representations and warranties, disclaimers of warranty and liability, availability of records, admissibility of this TOU, termination, and governing law will survive the termination of your agreement to this TOU for any reason.
All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, “look and feel,” and arrangement of any content contained on or available through the Site, unless otherwise indicated, are owned, controlled, and licensed by CGR Finance and are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, CGR Finance does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, your unauthorized use of this Site may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. Please be aware that CGR Finance actively and aggressively enforces its intellectual property rights to the fullest extent of the law. This Site is ©Copyright 2022 CGR Finance, LLC and/or its licensors. All rights reserved. CGR Finance also owns a copyright in the contents of the Site as collective work and/or compilation and in the selection, coordination, arrangement, and enhancement of the content of this Site. Any software and other downloadable or printable programs, information, or materials available through this Site and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by CGR Finance. CGR Finance, CGR Finance, LLC, the CGR Finance logo, and all other names, logos, and icons identifying CGR Finance and its products and services are proprietary trademarks of CGR Finance, and any use of such marks without the prior express written permission of CGR Finance is strictly prohibited. Other product and company names mentioned herein may be the trademarks and/or service marks of their respective owners.
CGR Finance considers your personally identifiable information (“PII”) to be private and, in operating this Site, keeps any collected PII confidential. Nevertheless, you understand, acknowledge, and agree that the operation of certain portions of the Site requires the submission, use, and dissemination of various PII. Accordingly, if you wish to access and use those areas of the Site, you acknowledge and agree that your use of this Site will constitute acceptance of CGR Finance’s PII collection and use practices. Please review and familiarize yourself with CGR Finance’s Privacy Policy, which provides a summary of CGR Finance’s PII collection and use practices.
This Site may from time to time contain or provide links to certain forward-looking statements – within the meaning of the Private Securities Litigation Reform Act of 1995 – which includes all statements that address operating performance or events or developments that CGR Finance expects or anticipates will occur in the future. Forward-looking statements may be identified by the use of words like “plan,” “expect,” “believe,” “intend,” “will,” “anticipate,” “estimate” and other words of similar meaning. Forward-looking statements are based on current expectations of future events. The forward-looking statements contained in the Site are, and will be, based on CGR Finance’s then-current views and assumptions and speak only as of the date on which they were originally published. All forward-looking statements contained in the Site are subject to certain risks and uncertainties. If underlying assumptions prove inaccurate or unknown risks or uncertainties materialize, actual results could vary materially from expectations and projections. Furthermore, CGR Finance undertakes no obligation to update or revise any forward-looking statements whether as a result of new information, future events and developments or otherwise. You are therefore cautioned not to place any reliance on any forward-looking statements contained in this Site.
CGR Finance will from time-to-time release press/news releases, which are offered as a service for informational purposes. Please note that all information is accurate as of the date of the release and may not be accurate on the date upon which you are viewing this Site. CGR Finance assumes no obligation to update or revise any of the information conveyed in these press/news releases, and your reliance on or use of any information contained in a press/news release is at your own risk.
CGR Finance welcomes your feedback and suggestions about how to improve this Site via email, with the subject line “Feedback,” at [email protected]. You are solely responsible for the content of any information that you submit to CGR Finance and you agree not to submit any defamatory, abusive, obscene, threatening, or illegal material, or any other material that infringes the rights of others. CGR Finance retains the right to deny access to the CGR Finance website to anyone CGR Finance believes has violated these conditions. CGR Finance will comply with all requirements of the law regarding disclosure of any submissions including to law enforcement agencies and parties making civil legal requests. CGR Finance will also comply with any other requirements of the law regarding disclosure of other aspects of your use of this website.
By transmitting any suggestions, information, material, or other content (collectively, “feedback”) to CGR Finance, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to CGR Finance. In addition, any feedback received through this Site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for CGR Finance to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.
You acknowledge and agree that this Site may feature materials, products, and services provided by Users and third parties. CGR Finance makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third-party materials, products, and services or any other materials, products, and services which such third-party materials, products, and services may access. CGR Finance expressly disclaims responsibility and liability for all third party provided materials, products, and services contained on or accessed through the Site.
CGR Finance, in its sole discretion, may post the advertisements of third parties on this Site. Your correspondence or any other dealings with advertisers found on this site are solely between you and such advertiser. You agree that CGR Finance shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertisers on this Site. Moreover, CGR Finance shall not be responsible or liable for the statements or conduct of any third party on this Site.
CGR Finance may provide links, in its sole discretion, to other sites on the World Wide Web for your convenience in locating related information, products, and services. These sites have not necessarily been reviewed by CGR Finance and are maintained by third parties over which CGR Finance exercises no control. Accordingly, CGR Finance expressly disclaims any responsibility for the content, the materials, the accuracy of the information, and/or quality of the products or services provided by or advertised on these third-party web sites. Moreover, these links do not imply an endorsement with respect to any third party or any web site or the products or services provided by any third party.
CGR Finance encourages and permits text links to this Site and its content. CGR Finance is an organization committed to the highest ethics and standards and therefore, any links to this Site should not suggest that CGR Finance is affiliated with, sponsors, promotes or otherwise endorses any third-party products, services, causes, campaigns, websites, content, or information. Moreover, no link may be used for commercial or fundraising purposes. CGR Finance also reminds you that a link may not use or include any CGR Finance logos, content, or designs without the prior express written consent of CGR Finance.
WHILE CGR FINANCE ENDEAVORS TO PROVIDE THE MOST ACCURATE, UP-TO- DATE, AND RELIABLE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE, THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE ARE PROVIDED ON AN “AS-IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE” BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, CGR FINANCE MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS DESCRIBED IN OR AVAILABLE THROUGH THIS SITE AT ANY TIME AND FOR ANY REASON. YOU AGREE THAT IN USING THIS SITE, YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE. CGR FINANCE MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILTY, LEGALITY, OR ACCURACY OF THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS DESCRIBED ON OR AVAILABLE THROUGH THIS SITE FOR ANY PURPOSE. CGR FINANCE ALSO DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
IN NO EVENT SHALL CGR FINANCE AND ITS PARENTS, SUBSIDIARIES, AND AFFILIATES AND ALL OF THEIR EMPLOYEES, AGENTS, DIRECTORS, OFFICERS, PROPRIETORS, PARTNERS, REPRESENTATIVES, SHAREHOLDERS, SERVANTS, ATTORNEYS, PREDECESSORS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR OTHER SIMILAR DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE THROUGH THIS SITE, OR FOR ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM, OR OTHERWISE ARISING OUT OF UTILIZATION OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF CGR FINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OF DAMAGES OR LIMITATION OF LIABILITY SET FORTH ABOVE, SO THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.
IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THE REMAINDER OF THE LIMITATION OF LIABILITY SHALL REMAIN IN EFFECT AND THE AGGREGATE LIABILITY OF CGR FINANCE UNDER SUCH CIRCUMSTANCES SHALL NOT EXCEED ONE HUNDRED ($100.00) DOLLARS IN THE AGGREGATE. IF ANY REMEDY HEREUNDER IS DETERMINED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, ALL LIMITATIONS OF LIABILITY, DISCLAIMERS AND EXCLUSIONS OF WARRANTIES AND DAMAGES SET FORTH IN THIS AGREEMENT SHALL REMAIN IN EFFECT.
You agree to defend, indemnify, and hold harmless CGR Finance and its parents, subsidiaries, and affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees and litigation expenses), relating to or arising from your use of the Site, any breach by you of this TOU, or the submission by you of any material via the Site. CGR Finance reserves the right, at its own expense, to take over the exclusive defense of any third-party claim or action and in such event you shall provide CGR Finance with such cooperation as is reasonably requested by CGR Finance. You hereby release CGR Finance and its parents, subsidiaries, and affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns from claims, demands and damages of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Site. The obligations imposed by this Indemnity provision survive termination of this TOU and the license granted to you to use the Site.
This TOU, CGR Finance’s Privacy Policy, and any related or associated service or software license agreements, which are all hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and CGR Finance with respect to use of the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and CGR Finance with respect to this Site. Please note that CGR Finance reserves the right to change the terms and conditions of this TOU under which this Site and its many offerings are extended to you by posting a revised TOU. In addition, CGR Finance may add or delete any aspect of this Site. You are responsible for reviewing this TOU periodically for changes, and your continued use of this Site following any change will be conclusively deemed acceptance of any change to the terms and conditions of this TOU. Accordingly, please review the TOU on a periodic basis. This TOU has been made in, and will be construed and enforced, in accordance with the laws of the State of Florida as applied to agreements entered into and completely performed in the State of Florida. Any cause of action related to use of this Site must be commenced within (1) year after the claim or cause of action arises or is otherwise reasonably known. The sole jurisdiction and venue for any litigation arising out of the Site or this TOU shall be an appropriate federal or state court located in Florida, and the parties agree not to raise, and hereby affirmatively waive, any objections or defenses based upon venue or forum non conveniens, except that CGR Finance may seek temporary injunctive relief in any venue of its choosing.
This Site is controlled and operated by CGR Finance from its offices within the United States. CGR Finance makes no representation that the Site is appropriate or available for use in other locations, and access to the Site from territories or nations where any aspect of the Site is illegal is prohibited. You access this Site on your own volition and are responsible for compliance with all applicable local laws. Failure to insist on strict performance of any of the terms and conditions of this TOU will not operate as a waiver of any subsequent default or failure of performance. No waiver by CGR Finance of any right under this TOU will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. If any part of this TOU is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and the liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of this TOU shall continue in effect.
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CONTACT US
If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, or if you believe we have not complied with this Online Privacy Policy, please contact us at:
CGR Finance LLC
3250 Lakeview Blvd.
Delray Beach, FL 33445
877-563-7244
[email protected]
Please print and retain a copy of this privacy policy for your records.
©2022 CGR Finance, LLC.
Monday to Friday: 9am-9pm
Saturday: 9am-8pm
Sunday: 9am-5pm
Office Address: 404 SE 23rd Avenue, Boynton Beach, FL 33435
Phone: 561-834-8117
Email: [email protected]
