BDB FINANCIAL MANAGEMENT INC (BDB FINANCE) (“BDB”) respects your privacy. This Privacy Policy (the “Policy”) describes
BDB’s policies and procedures on the collection, use and disclosure of your information when
you use this Website (the “Site”), and informs you of your privacy rights and how the law
protects you. This Policy also explains what information we gather via the BDB Site, the
purpose and legal basis for gathering this information, why and how that information may be
shared with others, with whom it may be shared, and the digital safeguards we have in place.
By accessing this Site, you agree to the collection and use of information in accordance with this
Privacy Policy.
We provide the Site to you subject to the terms of this Privacy Policy. This Privacy Policy is a
legally binding agreement between you and BDB. By using the Site, you agree to this Privacy
Policy.
Our Privacy Policy may change from time to time. The Revision Date below will show you when
the Privacy Policy was last revised. By continuing to use the Site, you accept and agree to any
revisions to the Site.
EFFECTIVE DATE
This Privacy Policy was effective October 19, 2021.
APPLICATION OF THE PRIVACY POLICY
This Privacy Policy applies solely to the BDB Site. This Privacy Policy does not apply to
information collected at any website that is not owned by BDB, including any third-party website
reached through a link on this Site. Third party websites are generally those that have a URL—
that is, an embedded web address—that does not contain “BDBFinance.com.” For example, from
time to time there may be links on this Site to BDB’s pages on other third-party websites. The
name and logo of BDB may appear on third-party websites to notify visitors that the websites
contain information or materials related to BDB, but this Policy does not apply to information
collected through third-party websites. You are responsible for reviewing and understanding the
privacy policies (if any) of third-party websites you access through the BDB Site. We have no
control over, and we assume no responsibility for, the content, privacy policies, or practices of
any third-party website. By using the website, you release BDB from any claim or liability arising
from your use of any third-party website.
Types of information we collect
While using this Site, we may ask you to provide us with certain personally identifiable
information that can be used to contact or identify you. Personally identifiable information may
include, but is not limited to:
• First and last names
• Email address
• Phone number
• Address, city, and state
• Zip code/postal code
• Age and date of birth
• Medical history
• Education history
• Work history
• Other elements found in resumes
• Drug/alcohol use
• Coverage information
• Amounts of insurance coverage
• Usage data
• Demographic data (e.g., ethnicity, military service, credit record info, etc.)
What is usage data?
Usage data is collected automatically when you use this Site. This may include information such
as your device’s Internet Protocol (“IP”) address, browser type and version, the pages of our
Site that you access, the time and date of that visit, the time spent on those pages, unique
device identifiers and diagnostic data.
What other types of information do we collect and how is it used?
We may use third parties, including third-party websites, to perform functions on our behalf,
which may include assisting us in gathering and processing information you provide. We share
personally identifiable information with them so that they can assist us in using it for the
purposes outlined in this Privacy Policy. Except as provided in this Privacy Policy, BDB does not
otherwise share the personally identifiable information you provide with third parties, and we do
not share that information with any third parties for their direct marketing purposes.
Practices regarding cookies and other information we collect on this Site:
Although BDB does not place cookies on your browser, there may be a time when BDB will
engage in this process. In that case, your browser software has a feature called a ‘cookie’ that
stores small amounts of data on your computer about your visit to certain websites. As a user of
browser software, you may elect to disable this feature, although doing so may prevent you from
using certain components of the Site that require cookies. In the future, cookies may be placed
on your computer by BDB. These cookies do not provide BDB with any personally identifiable
information about you, but instead provide anonymous information that permits BDB to track
how users navigate our pages, when users return to our Sites, and which features are the most
popular. We collect that information using cookies, and we use it to analyze how our Site is
used. We may share that information with other persons or entities who assist us in analyzing or
operating the Site.
Like many commercial websites, BDB Agency servers monitor and log all web traffic on the Site.
These logs contain the IP address of the computer or server that you are using to access the
Site, the IP address and/or the URL from the website you visited just before you visited our Site,
the URL of the page you visit upon leaving the Site, if any, and the type of browser and
operating system you are using. Statistical information is collected about visitor traffic patterns in
in order to improve the quality, functionality and usefulness of the Site to our customers. This
information does not directly identify you. In the future, we may also aggregate data from
multiple records containing personally identifiable records in a manner that is no longer
identifiable with a particular person (for example, the aggregate number of inquiries from a
particular city, state or zip code). We may share all of the data described above with our
contractors and consultants, other companies, and unaffiliated third parties such as analysts,
reporters, governmental authorities, and others. We may also disclose the content of the logs
described above in response to a court order, subpoena, or other legal process.
Please be aware that while some browsers allow you to send a signal indicating that you do not
wish to be “tracked”, our Site does not recognize or respond to these “Do Not Track” signals.
Use of flash cookies, third-party cookies and HTML5:
Our Site may enable the use of the Adobe Flash Player. Adobe’s Flash Player is used by the
vast majority of websites that offer video and other interactive content. By default, your use of
the Adobe Flash Player generates “flash cookies,” also known as “persistent identification
elements” or “local shared objects.” Adobe provides a short disclosure about flash cookies in its
End User License Agreement, stating “Use of the web players, specifically the Flash Player, will
enable the Software to store certain user settings as a local shared object on our computer.
These settings are not associated with you but allow you to configure certain settings within the
Flash Player.” The Adobe Flash Player (and similar applications) use flash cookies to remember
user settings, preferences, and usage in a manner like the browser cookies referenced above.
However, flash cookies can store more information than browser cookies and are managed
through a different interface than the one provided by your web browser. You can control the
acceptance of flash cookies using tools in the settings manager for Adobe Flash
(http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html
). (Users running the Windows operating system can generally view flash cookie files in this
folder: \Documents and Settings\[username]\Application Data\Macromedia\Flash Player. Users
running the Apple operating system can generally view flash cookie files in this folder:
/users/[username]/Library/Preferences/macromedia/Flash Player. Flash cookies, or LSO files
are stored typically with an “.SOL” extension.) If you do not allow flash cookies on your
computer, you may not be able to take advantage of certain components of the Site.
HTML is the software language used for building most of the Sites on the World Wide Web.
Almost all web pages you visit on the Internet are built using HTML code. HTML5 is simply the
fifth and latest iteration of this language. HTML5 is a popular standard for presenting content,
especially content delivered to mobile devices. Some HTML5 code may allow your responses to
advertising and your other online activities to be monitored over time and across different web
Sites, and for such information to be stored on your computer or mobile device and accessed by
others you do or have done business with. Solutions that allow users to opt-out of or block this
sort of tracking are being developed through browser add-ons and other tools. BDB Agency
may access user activity information stored through this feature of HTML5.
Additionally, like many other companies, BDB Finance may use third parties to help monitor user
visits to this Site and/or to place advertisements or links on other websites. When you visit this
Site, these companies may collect non-personally identifiable information (e.g., your IP address,
clickstream information, browser type, time and date, subject of advertisements clicked or
scrolled over) about your visits to this Site and your visits to other websites over time. These
companies typically use a cookie or third-party web beacon to collect this information about your
online activities over time and across different websites and may use this information to provide
advertisements about goods and services likely to be of interest to you. To learn more about this
behavioral advertising practice or to opt-out of this type of advertising by certain participating
advertising networks, you can visit http://www.aboutads.info/choices/ and
http://www.networkadvertising.org. BDB is not responsible for the collection or use of
information by such marketing companies or third-party websites.
PERSONAL INFORMATION COLLECTED FROM JOB APPLICANTS
If you submit a job application to BDB through the Site, we may also collect personally
identifiable information about you, including but not limited to: your first and last name; your
home or other physical address; your email address; your telephone numbers; your
qualifications, experience, employment and education history and information you submit as
part of your resume; and other information you provide as part of the online employment
application. If a candidate is hired, the information submitted through the online application
process becomes a part of his or her employment file.
We use a third-party service provider to assist us in accepting and processing your job
application. We share personally identifiable information with them to assist us in processing
your application and using the data for the purposes outlined in this Privacy Policy. BDB does
not otherwise share the personally identifiable information you provide in submitting a job
application with third parties, and we do not share that information with any third parties for their
direct marketing purposes.
E-MAILS SENT TO BDB
BDB provides e-mail addresses to which e-mail messages may be sent for a variety of reasons.
For example, we accept e-mail requests for information about our services, media requests, and
questions about this Policy. In general, BDB uses the information you provide in an e-mail to us
only to respond to your request. However, BDB makes no promise that any information included
in unsolicited emails sent to BDB or its employees, through this Site or otherwise, will be kept
confidential.
SECURITY
Although we cannot guarantee there will be no loss, misuse, unauthorized access or disclosure,
alteration, or destruction of data provided to us, we try to prevent such occurrences. Our servers
and databases are protected by firewalls and passwords. However, no data transmission over
the Internet or any wireless network can be guaranteed to be secure. As a result, while we strive
to protect your personally identifiable information, we cannot ensure or warrant the security of
any information you transmit, and you do so at your own risk.
CHILDREN’S ONLINE PRIVACY PROTECTION
We do not ever knowingly collect information from children under the age of 18, nor is this Site
designed to provide any service to children under the age of 18. If you are under 18, please do
not give us any personal information. If you have reason to believe that a child has provided
personal information to us, please contact us at compliance@BDBFINANCE.com and we will
attempt to remove that information from our databases.
An exception to this is in the application for whole life policies that parents may take out on their
children. In these cases our Site will retain the application with the minor’s personally identifiable
information as well as the parental authorization for us to retain this which is on the insurance
application itself.
CHANGES TO THIS PRIVACY POLICY
We reserve the right, in our sole discretion, to add to, change, update or modify this Privacy
Policy, in whole or in part, at any time. When we amend this Privacy Policy, we will revise the
effective date located at the beginning of this Privacy Policy. For changes to this Privacy Policy
that we consider to be material, we will place a notice on the BDB website
(www.BDBFINANCE.com) by revising the link on the homepage to read substantially as
“UPDATED Privacy Policy” for a reasonable amount of time. By providing information to us or
using the Site in any way after this Privacy Policy has been revised, you consent and agree to
the revised Privacy Policy. The most current version of this Privacy Policy will be available on
the Site and will supersede all previous versions of this Privacy Policy. The effective date of the
current version of this Privacy Policy is listed at the beginning of the Privacy Policy.
CONDITIONS OF USE
This Privacy Policy shall be governed by and construed in accordance with the laws of the State
of Texas, United States of America. By using our Site, you consent to the collection and use of
information described above. Your visit to the Site and any dispute over privacy are subject to
this Privacy Policy. If you have any concern about privacy related to the BDB Site, please e-mail
us a thorough description together with information to permit us to contact you at
compliance@BDBFINANCE.com, and we will try to resolve your concern and honor rights you may
Have.
LINKS TO OTHER SITES
The Site may contain now or in the future links to other websites and third parties that may
provide services or products to you. We are not responsible for the privacy practices, the
content of, or any other actions of such other websites or their owners or operators, such as
their practices regarding cookies, information they may collect or information they may share, or
whether they may permit advertisers to place and use cookies. You should check the privacy
policies at each of those websites.
Contact Us:
If you have a concern about our handling of your personal information you may contact us at
compliance@BDBFINANCE.com, or call us at (708) 356-6043 We will explain our complaint
procedure to you and investigate all complaints. If a complaint is justified, we will take all
appropriate steps indicated.
If you have questions or wish to contact us about this Privacy Policy, please contact us:
Telephone: (708) 356-6043
Email: compliance@BDBFINANCE.com
Regular Mail:
BDB FINANCIAL MANAGEMENT INC (BDB FINANCE)
Legal & Compliance Department
1S450 Summit Ave
OakBrook Terrace, IL 60181
Analytics
BDB uses Google Analytics and similar analytics services to collect various types of data about
use of our Sites. We use this data to improve and monitor our Site, measure marketing
effectiveness and to offer you content, products or services that may be of interest to you.
Advertising
BDB may contract with advertising and marketing service providers to promote our brand and
services across different media including third-party websites that are not affiliated with us.
BDB and these third parties, including LinkedIn, Facebook and Instagram, may use cookies and
other tracking tools to gather information about you and your online activities, including your
interactions with our Site and the pages you visit. BDB may use this information to deliver
advertisements to you both on- and off-line. BDB may combine and de-aggregate data, along
with other personal information about you and your relationship with BDB to determine which
advertisements, services and products may be of interest to you.
Social Media
BDB uses social networking platforms like Facebook, Instagram, Twitter, YouTube and Linkedin
to provide product and service information. These platforms facilitate online sharing and
collaboration among users who are registered to use them. Any content you post on these
platforms are subject to the terms and conditions and privacy policies of those platforms. We may
receive personal information about you when you use social media platforms.
Some of our Sites may include buttons or icons that enable users to easily share information on
a social media platform. These plug-ins may retain certain information such as your IP address,
browser type and language, as well as the web pages you have viewed. BDB does not control
these third-party tracking technologies. Please review the privacy policies of the social
networking platforms where you have an account to better understand how they collect and
treat such information. BDB is not responsible for the privacy or security practices of the social
platforms it uses.
Accessibility
BDB is committed to ensuring that its website is accessible to people with disabilities. All the
pages on our website will meet W3C WAI’s Web Content Accessibility Guidelines 2.1, Level AA
conformance by June 30, 2022. Report any issues to compliance@BDBFINANCE.com.
Online Privacy Notice for California Residents
Effective Date: January 1, 2020
This Online Privacy Notice for California Residents (“Notice”) supplements the information
contained in BDB’s Privacy Statement and Website Terms and Conditions of Use. This
California Privacy Notice applies solely to all visitors, users, and others who reside in the State
of California.
Information we collect
We use several tools and technologies to collect information for commercial and business
purposes about visitors to BDB’s Site(s). This may include information that identifies, describes,
relates to, references, is capable of being associated with, or could be linked, directly or
indirectly with an individual or with a device (“personal information”).
Personal information does not include:
• Information that is publicly available from government records.
• Aggregated or de-identified consumer information.
• Information that is specifically excluded from the scope of the California Consumer
Protection Act including:
o Personal information covered by certain sector-specific privacy laws, including
the Fair Credit Reporting Act, Gramm-Leach Bliley Act, or the California Financial
Information Privacy Act.
o Health or medical information covered by the Health Insurance Portability and
Accountability Act of 1996.
Over the last 12 months, we may have collected and/or disclosed the following categories of
personal information for a commercial or business purpose:
• Online identifiers (i.e., name, alias, address, date of birth, Internet Protocol (IP) address
or other unique identifiers).
• Internet or other similar network activity, such as browsing history, search history,
information about a consumer’s interaction with our Sites, or advertisement.
• Geolocation data, such as information about the location of consumers or their device(s).
• Professional, educational or employment related information, such as when applying for
a job opportunity, including current or past job history and educational records.
Your Rights and Choices
The California Consumer Protection Act (“CCPA”) provides 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 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’ll disclose to you:
• The categories of personal information we collected about you;
• The categories of sources for the personal information we collected about you;
• Our commercial or business purpose for collecting that personal information;
• The categories of third parties with whom we share that personal information, if any;
• The specific pieces of personal information we collected about you; and/or
• If we disclosed your personal information for a commercial or business purpose,
identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request us to delete any of your personal information that we hold, subject
to certain exceptions. Once we have received and confirmed a request, we will delete, and
direct our service providers to delete, your personal information from our records, unless an
exception applies.
We may not be able to honor your request if retaining the information is necessary for us or our
service provider(s), such as to:
• Complete the transaction for which we collected the personal information, provide a
product or service that you requested, take actions reasonably anticipated within the
context of our ongoing business relationship with you, or otherwise perform our contract
with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal
activity, or prosecute those responsible for such activities.
• Identify errors, repair or maintain systems, including errors that impair existing intended
functionality.
• Comply with our legal and regulatory obligations.
• Enable internal and lawful uses of that information that are reasonably aligned with
consumer expectations based on your relationship with us and compatible with the
context in which you provided it.
Exercising Access, Data Portability and Deletion Rights
To exercise any of the rights described above, you can submit a consumer request in one of the
following ways:
Telephone: (224) 558-0739
Email: compliance@BDBFINANCE.com
Regular Mail:
BDB FINANCIAL MANAGEMENT INC (BDB FINANCE)
Legal & Compliance Department
1S450 Summit Ave Suite# 230
OakBrook Terrace, IL 60181 To respond to a consumer request, we will need to verify your, or your authorized
representatives, identity, or authority to make the request. Only you, or your authorized
representative, may make a consumer request related to your personal information. You may
also make a consumer request on behalf of your minor child. We will not be able to 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.
You may make a consumer request for access or data portability twice within a 12-month
period. The consumer request must:
Provide sufficient information that allows us to reasonably verify you are the person about whom
we collected personal information or an authorized representative; and
Describe your request with sufficient detail that allows us to properly understand, evaluate, and
respond to it.
Making a consumer request does not require you to create an account with us.
We will only use personal information provided in a consumer request to verify the requestor’s
identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a consumer request within thirty (30) days of receiving it. If we need
more time, we will inform you, in writing, of the reason and extension period.
We will deliver our written response by regular mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding receipt of the
consumer request. If applicable, our response will also explain the reasons we cannot comply
with a request. 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 generally do not charge a fee to process or respond to your request unless it is excessive or
repetitive. If we determine that a fee is necessary, we will tell you why and provide you with a
cost estimate before we complete your request.
Non-Discrimination
We will not discriminate against you for exercising any of your rights under this Notice unless
permitted by law.
Changes to Our Privacy Notice
We reserve the right to amend this Notice at our discretion and at any time. When we make
changes, we will post the updated Notice on our Sites and update the effective date. Your
continued use of our Sites after any changes to this Notice constitutes your acceptance of such
changes.
Website Terms and Conditions
This Website (the “Site”) contains information about BDB FINANCIAL MANAGEMENT INC (BDB FINANCE) (“BDB”), a tech-enabled
national financial services organization. BDB partners with leading insurance and annuity
carriers and provides a part-time or full-time opportunity to those seeking careers as life
insurance agents. BDB is privately headquartered in Oakbrook Terrace, IL. The sections below contain
legal information and other policies for BDB. Please note, the legal information and policies
contained therein may not be applicable to all the entities within BDB so be sure to read each
carefully.
Materials on this Site are not an offer to sell nor a solicitation of an offer to buy any security, nor
shall any such security be offered or sold to any person or institution, in any jurisdiction in which
such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such
jurisdiction.
Please read the Terms and Conditions of Use and Legal Disclosures (“Terms”) contained herein
carefully before you use this Site. By accessing and using the Site, you are agreeing to these
Terms. If you do not agree to these Terms, please do not use the Site. We may change the
Terms from time to time, without prior notice. The amended Terms are automatically effective as
soon as we post them. By visiting the Site you indicate your agreement to any revisions to these
Terms. You are bound by such revisions and should therefore periodically visit this page to
review the current terms to which you are bound. BDB does not represent that the Site is
completely accurate, and therefore any reliance on the Site by you is done at your own risk.
Therefore, all information is furnished without warranties of any kind, express or implied. Under
no circumstances will BDB be liable to you or any other party for any direct, indirect, special or
consequential damages arising from any use of this Site. You should exercise great care in
using information from this Site. Certain jurisdictions may not permit certain disclaimers of
warranties. In such cases we disclaim warranties to the fullest extent permitted by applicable
law.
Nothing on this Site should be construed as tax, legal, estate planning, investment, or
accounting advice.
The information on the Site is also not intended to be an offer by us to enter a contract with you.
If you would like more information about our services, or how to purchase them, please contact
BDB. All services are subject to the terms and conditions of all applicable agreements.
The purpose of the Site is to provide information about BDB to you. You agree that you will only
use the Site for personal use and not for any commercial venture without first seeking the
approval of BDB.
Trademark Notice
BDB and its affiliated companies each own or are licensed to use the trademarks on this Site.
For example, BDB owns our logo and its affiliates are licensed to use these. Images displayed
on the Site are either the property of or used with permission by BDB. The use of these images
by you or anyone else authorized by you is prohibited unless specifically permitted herein. Any
unauthorized use of the images may violate trademark laws, copyright laws, the laws of privacy
and publicity, and communications regulations and statutes. The Trademarks are protected by
U.S. trademark laws. All rights are reserved.
Inquiries concerning the use of BDB trademarks, service marks, trade names, logos, copyrights,
icons or other intellectual property should be addressed to:
BDB FINANCIAL MANAGEMENT INC (BDB FINANCE)
Legal & Compliance Department
1S450 Summit Ave, Suite 230
OakBrook Terrace, IL 60181 Governing Law
This Site is controlled and operated by BDB from its offices in Texas. These Terms shall be
governed by and construed with the laws of the State of Texas. If any provision in these Terms
is held invalid or unenforceable under applicable law, the remaining provisions will continue in
full force and effect.
BDB makes no representation that materials, goods or services on the Site are appropriate or
available for use in territories or countries outside of the U.S. Those who choose to access the
Site from locations outside of the U.S. do so at their own risk, on their own initiative, and are
responsible for compliance with local laws.
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