Privacy Policy:
Pacific Bay Finance ("Pacific Bay Finance") operates pacific-bay.com and may operate other websites. It is Pacific Bay Finance's policy to respect your privacy regarding any information we may collect while operating our websites.
Website Visitors
Like most website operators, Pacific Bay Finance collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Pacific Bay Finance's purpose in collecting non-personally identifying information is to better understand how Pacific Bay Finance's visitors use its website. From time to time, Pacific Bay Finance may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Pacific Bay Finance also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on pacific-bay.com blogs/sites. Pacific Bay Finance only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Pacific Bay Finance's websites choose to interact with Pacific Bay Finance in ways that require Pacific Bay Finance to gather personally-identifying information. The amount and type of information that Pacific Bay Finance gathers depends on the nature of the interaction. For example, we ask visitors who sign up at pacific-bay.com to provide a username and email address. Those who engage in transactions with Pacific Bay Finance are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Pacific Bay Finance collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Pacific Bay Finance. Pacific Bay Finance does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Aggregated Statistics
Pacific Bay Finance may collect statistics about the behavior of visitors to its websites. Pacific Bay Finance may display this information publicly or provide it to others. However, Pacific Bay Finance does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information
Pacific Bay Finance discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Pacific Bay Finance's behalf or to provide services available at Pacific Bay Finance's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Pacific Bay Finance's websites, you consent to the transfer of such information to them. Pacific Bay Finance will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Pacific Bay Finance discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Pacific Bay Finance believes in good faith that disclosure is reasonably necessary to protect the property or rights of Pacific Bay Finance, third parties or the public at large. If you are a registered user of an Pacific Bay Finance website and have supplied your email address, Pacific Bay Finance may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Pacific Bay Finance and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Pacific Bay Finance takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
Cookies
A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Pacific Bay Finance uses cookies to help Pacific Bay Finance identify and track visitors, their usage of Pacific Bay Finance website, and their website access preferences. Pacific Bay Finance visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Pacific Bay Finance's websites, with the drawback that certain features of Pacific Bay Finance's websites may not function properly without the aid of cookies.
Business Transfers
If Pacific Bay Finance, or substantially all of its assets, were acquired, or in the unlikely event that Pacific Bay Finance goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Pacific Bay Finance may continue to use your personal information as set forth in this policy.
Ads
Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Pacific Bay Finance and does not cover the use of cookies by any advertisers.
Privacy Policy Changes
Although most changes are likely to be minor, Pacific Bay Finance may change its Privacy Policy from time to time, and in Pacific Bay Finance's sole discretion. Pacific Bay Finance encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a pacific-bay.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.
