Commercial Experts Privacy Policy

LAST UPDATED: October 2024

PLEASE READ THIS PRIVACY POLICY CAREFULLY

TFLI US INC., operating under various tradenames, including CommercialExperts.com (referred to herein as "we," "us," and "our"), recognizes that your privacy is important to you. This Privacy Policy describes how we collect, use, and share, consumers' personal information, and the choices that are available to consumers with respect to their personal information. This Privacy Policy applies to the personal information we collect whenever consumers access or use one of our websites that link to this Privacy Policy (collectively referred to as the "Website"), communicate with us via email or on social media, or click on our digital advertisements.

If you do not agree with this Privacy Policy, please do not access or use our Website.

We may revise this Privacy Policy periodically, and in such a case we will revise the date at the top of this Privacy Policy accordingly. Changes to this Privacy Policy are effective at the time they are published, and therefore we encourage you to review this Privacy Policy from time to time. Additionally, this Privacy Policy may be supplemented or amended from time to time by other notices posted elsewhere, including on specific pages of our Website.

Personal Information We Collect

The personal information we collect depends on how you interact with us, and may include:

Device Information: When you visit our Website, interact with our digital advertisements, or open our emails, we may learn information about your browser or device (e.g., name or type, version, settings, etc.), IP address, unique online identifiers (e.g., MAC address, mobile device identifiers, etc.), internet service provider, the name and version of your operating system, referring and exit pages, and the date and time of your visit.
Usage Data: We collect information about your interactions with our Website, digital advertisements, and emails, including the pages you visit, links or buttons you click, the search terms you enter, and other similar interactions.
Location Data: When you visit our Website, interact with our digital advertisements, or open our emails, we may learn your non-precise geographic location, including by inferring your approximate location from your IP address or other device information.
Name and Contact Information: We will collect your first and last name, and your contact information, including your postal address, zip code, telephone number, or email address if you provide it to us.
Communication Records: If you email or otherwise contact our customer service representatives (or our other agents or representatives), we may keep records of those conversations including any information you have provided to us in connection with such conversation.
Submitted Content: We collect any content you submit to us via the Website, email, or otherwise, including feedback or testimonials about our services or the services of our vendor partners.
Government Identification Number: We will collect your driver's license, state identification number, or similar government-issued identification number if you provide it to us.
Demographic Information: We may collect demographic details about you such as your date of birth or age and other similar demographic details.
Inferences: We may draw inferences about any of the information above that may relate to your preferences, characteristics, or other matters.

We may also de-identify or aggregate the above information, at which time it is no longer "personal information." We will not reidentify or attempt to reidentify such information.

How We Collect Your Personal Information

We may collect the information described above from various sources, including directly from you, from third parties we partner with, and through cookies or other automated means.

Directly from You: We collect information directly from you when you provide it to us, including when you fill out and submit information through any forms available on our Website; contact us for assistance or with questions or comments; upload Submitted Content to our Website (or otherwise provide it to us); or respond to a survey.
From Third Parties: Third parties, including data analytics companies, advertising and marketing companies, email service providers, and companies that assist with the operation and functionality of our Website and our business more generally may share information they have collected from or about you with us.
Automatically from Your Device or Browser: Certain information (such as Device Information and Usage Data) is automatically collected from your device or browser when you visit our Website.
Using Cookies and Similar Technologies: We may use cookies (small files stored on your device or browser), pixel tags (tiny graphic images embedded in a website or email), and other similar technologies to automatically collect information when you visit our Website or interact with our emails or digital advertisements, including, for example, Device Information, Usage Data, and Location Data. Through the use of cookies and similar technologies, we may link information about your interactions with our Website, emails, or digital advertisements over time, for example, which pages you visit, which links or buttons you click, and how long you stay on each page.

We may also partner with third-party advertising, marketing, and data analytics companies that use cookies or similar technologies to collect information about your interactions with our Website, emails, and digital advertisements, and your interactions with other websites and digital platforms, and that use and share the information gathered to deliver ads more tailored to your interests. We receive information from these third parties to understand the operation, functionality, and use of the Website. The collection and use of your information by our website analytics provider, Google Analytics, is governed by Google's privacy policy, which can be found here.

How We Use Your Personal Information

How we use the personal information we collect depends on how you interact with us, and may include the following purposes:

Performance of Services: We may use your personal information to provide our Website and its features and functionalities, including to perform our referral services (e.g., to allow you to apply for various products or services provided by our vendor partners and to evaluate your eligibility for such products or services).
Communications: We may use your personal information to communicate with you, including to respond to your inquiries, fulfill your requests, and ask for feedback through surveys, questionnaires, or other messages. We will also use your information to inform you about important information regarding the Website and our services or the services of our vendor partners, and any changes to terms, conditions, policies, and other administrative information.
Advertising and Marketing: We may use your personal information for purposes of advertising and marketing our referral services and the services of our vendor partners, including advertising and marketing online, via email, and using other communication channels, including through partnerships with social media platforms and internet search engines. If you choose to communicate or provide certain Submitted Content (e.g., pictures, testimonials, etc.), we may use such Submitted Content for advertising and marketing purposes and to help us improve our services and the services of our vendor partners. We may also allow third-party companies to collect certain information when you visit our Website, which may be used to serve ads for the products or services of other companies when you visit other websites.
Understanding Our Customers: We may use your personal information for purposes of data and marketing analysis, audits, developing and improving products and services, identifying usage trends and determining the effectiveness of promotional campaigns.
Personalization: We may use your preferences and other collected information to personalize your experience on our Website and with respect to our email communications. We may also use your information to make recommendations or offer promotions that we believe you may be interested in.
Security: We may use your personal information to protect our business, our business partners, and you and our other customers from fraud, security threats, and other illegal or harmful activity.
Legal Obligations: We may use your personal information to comply with legal and regulatory requirements and responding to requests from courts or other governmental or regulatory authorities.

How We Share Personal Information with Third Parties

We may share information with third parties for certain purposes. For example, we may share information with:

Service Providers. We partner with third-party service providers and other business partners to assist with many aspects of our business, including analyzing our Website users' interests and activities, advertising and marketing services, providing certain features and functionalities on our Website, helping us communicate with our customers (e.g., our email service provider), and operating our business more generally.
Vendor Partners. When you request a quote or other information from our vendor partners via our Website, we will share the information you provide with the vendor partners you select, so that they can contact you with quotes and promotional information about their offerings. Our current partners are as follows: Hubspot Inc
Please note that after we provide your personal information to the vendor partners that you select, the shared personal information is governed by the applicable vendor partner's privacy policy. We are not responsible for the privacy policies of such vendor partners.
Affiliates or Successors. We may share certain personal information with our affiliates for our affiliates' use. Your information may also be transferred to another entity that succeeds to all or part of our business in connection with a sale, reorganization, consolidation, or merger.
Other Third Parties. We may disclose information about you to third parties, including to government bodies or law enforcement agencies, when we believe it to be necessary to comply with the law or to protect our business, our customers, our employees, or the public more generally. For example we may disclose specific personal information if we reasonably believe it is necessary to: (i) investigate any suspected fraud or misuse of the Website; (ii) protect or defend the rights, property, or interests of our business, our employees, our customers, or the rights, property, or interests of our affiliates, business partners, or service providers; or (iii) protect the personal safety of our employees, customers, or the public.
At Your Request. We will disclose information about you to other third parties at your direction or with your consent.

Your Privacy Choices

User requests: You can contact us at any time using the contact information in Section 10 below to request we do any of the following: (i) erase or delete all or some of your personal information; (ii) change, update, or correct your personal information; (iii) restrict how we use all or some of your personal information; (iv) access your personal information and, where applicable and feasible, request to receive that personal information in a commonly used electronic format (or ask for this information to be provided in that format to a third party); or (v) disclose what personal information we collect, use, or disclose. You may also request that we stop sharing your personal information with third parties for certain purposes. We will consider and respond to any such requests promptly, and otherwise in accordance with applicable laws.
Emails: You can unsubscribe from our marketing emails by clicking the unsubscribe link in the footer of such email, or by emailing us at compliance@tfli.us.
Text Messaging: You can unsubscribe to our text-messaging service (which includes short message service or SMS) at any time by texting "STOP" as a reply to any message sent by us, or to 1-833-497-0626. After you send "STOP", we may send you an additional text message to confirm that you have been unsubscribed. You will no longer receive text messages from that short code or number, as applicable, but you may receive text messages if you are subscribed to other text lists. Message and data rates may apply.
Cookies: You may opt out of certain third-party cookies by following your browser's instructions or by using the opt-out tools provided by the following industry groups:
- Digital Advertising Alliance (DAA): http://www.aboutads.info/choices/
- Network Advertising Initiative (NAI): http://optout.networkadvertising.org

Please note that online cookie opt-outs are device and browser-specific. You may still see interest-based ads from us when using a different device or browser, unless you also opt-out using that device or browser. Furthermore, if you delete your browser cookies you will need to opt-out again

Please note that if you opt out of our Website's cookies, you may experience some inconvenience in your use of the Website.

Some browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "do not track" signals.

Children

We do not knowingly or purposefully request or collect personal information from any person under the age of 13. If you believe that your child under the age of 13 has submitted personal information, please contact us at compliance@tfli.us.

Security

Although we use reasonable safeguards to protect your personal information, we cannot guarantee the security of information provided over the Internet or stored in our databases. Your transmissions are, therefore, at your own risk.

Retention

We will retain your personal information for the length of time needed to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

Links to Other Websites; Social Media Platforms

Our Website may, from time to time, contain links to websites owned and operated by third parties ("Third-Party Websites"). We encourage you to review the privacy policies of such Third-Party Websites so that you understand how those websites collect, use, and share your information. We are not responsible for the privacy policies or other content on Third-Party Websites.

If you engage or communicate with us on a social media platform (e.g., Facebook, Twitter, etc.), we may contact you via direct message or use other social media tools to interact with you. In these instances, your communications and interactions with us are governed by this Privacy Policy as well as the privacy policy of the social media platform you use.

Contact Us

We welcome your comments and questions. Please contact us by email at compliance@tfli.us, by phone at 786-627-3089, or by mail at the following address:

TFLI US Inc.

1200 Brickell Avenue Suite 1950 #1016

Miami, FL 33131

Notice to California Residents

Residents of the State of California that have an established business relationship with us may request a notice disclosing the categories of personal information we have shared with third parties, for the third parties' direct marketing purposes, during the preceding calendar year. If you are a California resident and would like to request such a list, please contact us at compliance@tfli.us. Please allow 30 days for a response.

Notice to Nevada Residents

Residents of the State of Nevada request that a company not sell your personal information for monetary consideration to certain other parties. This right applies even if your personal information is not currently being sold. If you wish to exercise this right, please contact us at compliance@tfli.us.

Notice to Users Outside of the United States

This Privacy Policy is intended to cover collection of information from residents of the United States. If you are accessing or using our Website, or otherwise interacting with us from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By accessing or using our Website, or otherwise interacting with us or 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 Policy. We do not sell, offer, or otherwise provide services to individuals outside of the United States.

Last Updated: October 2024