Lucro Holdings LLC (“Lucro”) understands that your privacy is important to you. We are committed to protecting the privacy of your personally-identifiable information as you use this website. This Privacy Policy tells you how we protect and use information that we gather from you. By using this website, you consent to the terms described in the most recent version of this Privacy Policy. You should also read our Terms of Use to understand the general rules about your use of this website, and any additional terms that may apply when you access particular services or materials on certain areas of this website. “We,” “our” means Lucro and its affiliates. “You,” “your,” visitor,” or “user” means the individual accessing this site.

PERSONAL AND NON-PERSONAL INFORMATION

Our Privacy Policy identifies how we treat your personal and non-personal information.

WHAT IS NON-PERSONAL INFORMATION AND HOW IS IT COLLECTED AND USED?

Non personal information is information that cannot identify you. If you visit this web site to read information, such as information about one of our services, we may collect certain non-personal information about you from your computer’s web browser. Because non-personal information cannot identify you or be tied to you in any way, there are no restrictions on the ways that we can use or share non-personal information. What is personal information and how is it collected? Personal information is information that identifies you as an individual, such as your name, mailing address, e-mail address, telephone number, and fax number. We may collect personal information from you in a variety of ways:

• When you send us an application or other form.
• When you conduct a transaction with us, our affiliates, or others.
• When we collect information about in you in support of a transaction, such as credit card information.
• In some places on this web site you have the opportunity to send us personal information about yourself, to elect to receive particular information, to purchase access to one of our products or services, or to participate in an activity.

ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL INFORMATION?

Yes, we may use cookies and related technologies, such as web beacons, to collect information on our web site. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you register with us, a cookie helps us to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same website, the information you previously provided can be retrieved, so you can easily use the features that you customized. A web beacon is a small graphic image that allows the party that set the web beacon to monitor and collect certain information about the viewer of the web page, web-based document or e-mail message, such as the type of browser requesting the web beacon, the IP address of the computer that the web beacon is sent to and the time the web beacon was viewed. Web beacons can be very small and invisible to the user, but, in general, any electronic image viewed as part of a web page or e-mail, including HTML based content, can act as a web beacon. We may use web beacons to count visitors to the web pages on the web site or to monitor how our users navigate the web site, and we may include web beacons in e-mail messages in order to count how many messages sent were actually opened, acted upon or forwarded. Third party vendors also may use cookies on our web site. For instance, we may contract with third parties who will use cookies on our web site to track and analyze anonymous usage and volume statistical information from our visitors and members. Such information is shared externally only on an anonymous, aggregated basis. These third parties use persistent cookies to help us to improve the visitor experience, to manage our site content, and to track visitor behaviour. We may also contract with a third party to send e-mail to our registered subscribers. To help measure and improve the effectiveness of our e-mail communications, the third party sets cookies. All data collected by this third party on behalf of Lucro is used solely by or on behalf of Lucro and is shared externally only on an anonymous, aggregated basis. From time to time we may allow third parties to post advertisements on our web site, and those third-party advertisements may include a cookie or web beacon served by the third party. This Privacy Policy does not cover the use of information collected from you by third party ad servers. We do not control cookies in such third party ads, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad. We will not share your personal information with these companies, but these companies may use information about your visits to this and other web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you, and they may share your personal information that you provide to them with others. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Lucro websites you visit.

HOW DO YOU USE OUR PERSONAL INFORMATION?

Lucro may keep and use personal information we collect from or about you to provide you with access to this web site or other products or services, to respond to your requests, to bill you for products/services you purchased, and to provide ongoing service and support, to contact you with information that might be of interest to you, including information about products and services of ours and of others, or ask for your opinion about our products or the products of others, for record keeping and analytical purposes and to research, develop and improve programs, products, services and content. Personal information collected online may be combined with information you provide to us through other sources We may also remove your personal identifiers (your name, email address, social security number, etc). In this case, you would no longer be identified as a single unique individual. Once we have de-identified information, it is non-personal information and we may treat it like other non-personal information. Finally, we may use your personal information to protect our rights or property, or to protect someone’s health, safety or welfare, and to comply with a law or regulation, court order or other legal process.

DO YOU SHARE PERSONAL INFORMATION WITH OTHERS?

We will not share your personal information collected from this web site with an unrelated third party without your permission, except as otherwise provided in this Privacy Policy. In the ordinary course of business, we may share some personal information with companies that we hire to perform services or functions on our behalf. In all cases in which we share your personal information with a third party for the purpose of providing a service to us, we will not authorize them to keep, disclose or use your information with others except for the purpose of providing the services we asked them to provide. We will not sell, exchange or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition. For some sorts of transactions, in addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect personal information directly from you to assist you with your transaction. We do not control how these third parties use such information, but we do ask them to disclose how they use your personal information before they collect it. If you submit a review for a third party (person or business) using our Facebook Fan Review Application, during the submission process we ask your permission to gather your basic information (such as name and email address) which we then share with the third party for whom you are submitting the review. We may be legally compelled to release your personal information in response to a court order, subpoena, search warrant, law or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting web site visitors who violate our rules or engage in behavior, which is harmful to other visitors (or illegal). We may disclose your personal information to third parties if we feel that the disclosure is necessary to protect our rights or property, protect someone’s health, safety or welfare, or to comply with a law or regulation, court order or other legal process. As discussed in the section on cookies and other technologies, from time to time we may allow a third party to serve advertisements on this web site. If you share information with the advertiser, including by clicking on their ads, this Privacy Policy does not control the advertisers use of your personal information, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad.

HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?

We may contact you periodically by e-mail, mail or telephone to provide information regarding programs, products, services and content that may be of interest to you. In addition, some of the features on this web site allow you to communicate with us using an online form. If your communication requests a response from us, we may send you a response via e-mail. The e-mail response or confirmation may include your personal information. We cannot guarantee that our e-mails to you will be secure from unauthorized interception.

HOW IS PERSONAL INFORMATION SECURED?

We have implemented generally accepted standards of technology and operational security in order to protect personally-identifiable information from loss, misuse, alteration, or destruction. Only authorized personnel and third party vendors have access to your personal information, and these employees and vendors are required to treat this information as confidential. Despite these precautions, we cannot guarantee that unauthorized persons will not obtain access to your personal information.

LINKS

This site contains links to other sites that provide information that we consider to be interesting. Lucro is not responsible for the privacy practices or the content of such web sites.

PUBLIC DISCUSSIONS

This site may provide public discussions on various business valuation topics. Please note that any information you post in these discussions will become public, so please do not post sensitive information in the public discussions. Whenever you publicly disclose information online, that information could be collected and used by others. We are not responsible for any action or policies of any third parties who collect information that users disclose in any such forums on the web site. Lucro does not agree or disagree with anything posted on the discussion board. Also remember that you must comply with our other published policies regarding postings on our public forums.

HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?

You may access, correct, update, and/or delete any personally-identifiable information that you submit to the web site. You may also unsubscribe from mailing lists or any registrations on the web site. To do so, please contact team@Lucro.com to remove your information.

CHILDREN’S PRIVACY

Lucro will not intentionally collect any personal information (such as a child’s name or email address) from children under the age of 13. If you think that we have collected personal information from a child under the age of 13, please contact us.

CALIFORNIA DATA PRIVACY ADDENDUM

This California Data Privacy Addendum (“CDPA”) forms part of the Terms of Conditions available at https://morelucro.com/terms-and-conditions/ by and between You and Lucro, and its affiliates, pursuant to which you have accessed Lucro’ Services as defined in the applicable Agreement. By agreeing to the Terms of Conditions available at https://morelucro.com/terms-and-conditions, Lucro and You hereby agree to comply with the following provisions with respect to any Consumer’s Personal Information:

1. Definitions
   1. “CCPA” means the California Consumer Privacy Act of 2018 as set forth in California Civil Code § 1798.100 et seq. and as amended by the California Privacy Rights Act of 2020, together with the regulations promulgated pursuant thereto, in each case, as amended from time to time.
   2.  “Business,” “Business Purpose,” “Consumer,” “Person,” “Personal Information,” “Sell,” “Service Provider,” and “Third Party” shall have the meanings set forth in the CCPA.
   3.    “Personal Information” means Personal Information (as defined in the Agreement) that constitutes “personal information” under the CCPA.
   4.  All other defined terms shall have the meanings set forth in the Agreement.
2. Terms
   1. The terms of this CDPA shall take effect on January 1, 2023 and continue on concurrently for so long as Lucro processes Consumer’s Personal Information
   2. The parties agree that You are a “Business” and Lucro is your “Service Provider” in relation to this CDPA and Lucro’ processing of Personal Information under the Agreement. The parties agree to comply at all times with the provisions of the CCPA applicable to their respective obligations as Business and Service Provider, in respect to the processing of Personal Information;
   3. The Business Purpose for which Lucro is processing Personal Information is to provide You with the agreed Services pursuant to the Agreement and for Lucro to perform its obligations and exercise its rights thereunder. The parties agree that Customer is disclosing the Personal Information to Lucro only for such limited and specified purposes as described in the Agreement;
   4. The mandatory contractual rights and restrictions explicitly required to be granted by and imposed on Service Providers under the CCPA as set forth in Cal. Civ. Code §1798.100(d) and Cal. Civ. Code § 1798.140(ag)(1) are hereby deemed granted by and incorporated into this CDPA and Lucro agrees to comply with them, provided that Your compliance monitoring rights under Cal. Civ. Code § 1798.140(ag)(1)(D) are limited to those described in Section 2.5;
   5. Your exercise of your rights described in Section 2.4 shall be at its sole cost and expense. You agree that its right to take reasonable and appropriate steps to help to ensure that Lucro uses Personal Information consistent with Your CCPA obligations shall be limited to the right to receive, upon written request, (a) third-party certifications and audit reports on Lucro’ security, privacy and architecture or (b) Lucro’ responses to industry-standard written audit questionnaires. Assessment of such requests may be carried out by You or an inspection body designated by You that uses an appropriate and accepted control standard or framework and procedure for such assessment and is composed of independent members subject to a duty of confidentiality with respect to information obtained in the course of such assessment. Any such body will provide You with a report of its assessment upon request, which You may use only for compliance purposes and which will constitute confidential information of both parties subject to the confidentiality terms of the Agreement. For the avoidance of doubt no access to any part of Lucro’ information technology systems, data hosting sites or centers, or its infrastructure will be permitted as part of such requests. Lucro reserves the right to reimbursement from You for the reasonable cost of any time, expenditures or fees incurred in connection with such assistance;
   6. Lucro may hire subcontractors to provide limited services on its behalf, provided that Lucro remains responsible for its subcontractors’ compliance with the obligations of this CDPA, and Lucro shall ensure that any subcontractors to whom Lucro transfers Personal Information will have entered into written agreements with Lucro requiring that the subcontractor abide by terms substantially similar to this CDPA; and
   7. Lucro shall reasonably assist You with Your obligation to respond to requests from Consumers to exercise their rights under the CCPA; provided that Lucro reserves the right to reimbursement from You for the reasonable cost of any time, expenditures or fees incurred in connection with such assistance.
3. Miscellaneous
   1. Except as expressly provided in this CDPA, the parties intend no amendment or modification of the Agreement or in such other addendum or supplement which may have been signed by the parties.
   2. Any notice to be provided under this CDPA to You shall be sent via email to the email address associated with Your account.
   3. This CDPA supplements the terms of the Agreement. In the event of any conflict between this CDPA and the Agreement regarding the processing of Consumers’ Personal Information, the terms of this CDPA shall control.
   4. If any provision of this CDPA is held by a court of competent jurisdiction to be contrary to the law, the provision shall be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of this CDPA shall remain in full force and effect.
   5. No waiver under this CDPA will be valid or binding unless set forth in writing and duly executed by the party against whom enforcement of such waiver is sought. Any such waiver will constitute a waiver only with respect to the specific matter described therein and will in no way impair the rights of the party granting such waiver. Any delay or forbearance by either party in exercising any right hereunder will not be deemed a waiver of that right.

CHANGES

Lucro reserves the right to modify this statement at any time. Any changes to this Privacy Policy will be listed in this section, and if such changes are material, a notice will be included on the homepage of the web site for a period of time. If you have any questions about privacy at any websites operated by Lucro or about our website practices, please contact us at: admin@morelucro.com.