Privacy Policy

Lucro Holdings LLC (“Lucro,” “we,” “us,” or “our”) 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.

You should also read our Terms and Conditions 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 in certain areas of the website. “You” or “your” means the individual accessing this site, whether as a visitor or a registered user.

This policy distinguishes between two kinds of information:

• Non-personal information is information that cannot identify you. If you visit this website 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 it.
• Personal information is information that identifies you as an individual, such as your name, mailing address, email address, and telephone number.

We may collect personal information from you in several 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 you in support of a transaction, such as payment card information.
• When you use areas of this website that invite you to send us personal information, elect to receive particular information, purchase access to one of our products or services, or participate in an activity.

What cookies are. A cookie is a small text file placed on your device by a web 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.

How Lucro uses them. One of the primary purposes of cookies is convenience: they save you time by telling the web server that you have returned to a specific page. For example, if you register with us, a cookie helps us recall your information on subsequent visits, simplifying steps like signing in and using features you have customized. We may also use web beacons — small graphic images in a web page or email — to count visitors, monitor how users navigate the website, or count how many email messages were opened, acted upon, or forwarded.

Third-party cookies. Third-party vendors may also use cookies on our website. For instance, we may contract with third parties who use cookies to track and analyze anonymous usage and volume statistics from our visitors and users; such information is shared externally only on an anonymous, aggregated basis. We may also contract with third parties to send email to our subscribers and to measure the effectiveness of those communications. From time to time we may allow third parties to post advertisements on our website, and those advertisements may include cookies or web beacons served by the third party. This Privacy Policy does not cover the use of information collected from you by third-party ad servers; you should check the privacy policies of those advertisers and services to learn about their use of cookies and other technology before interacting with 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 websites to provide advertisements about goods and services that may interest you.

Your choices. You can accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline them. If you choose to decline cookies, you may not be able to fully use the interactive features of the Lucro websites you visit.

Lucro may keep and use personal information we collect from or about you to:

• Provide you with access to this website and our products and services.
• Respond to your requests.
• Bill you for products and services you purchase.
• Provide ongoing service and support.
• Contact you with information that might be of interest to you, including information about our products and services and those of others, or to ask your opinion about our products or the products of others.
• Keep records, perform analysis, and 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 (such as your name and email address); once information is de-identified, 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, to protect someone’s health, safety, or welfare, and to comply with a law or regulation, court order, or other legal process.

We will not share your personal information collected from this website with an unrelated third party without your permission, except as otherwise provided in this Privacy Policy.

• Service providers: in the ordinary course of business, we may share some personal information with companies 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.
• Corporate transactions: we will not sell, exchange, or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition.
• Payment and transaction partners: for some transactions, our third-party service vendors (such as credit card companies, clearinghouses, and banks) may collect personal information directly from you to assist 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.
• Legal requirements: we may be compelled to release your personal information in response to a court order, subpoena, search warrant, law, or regulation, and we may cooperate with law enforcement in investigating and prosecuting visitors who violate our rules or engage in behavior that is harmful to other visitors or illegal.
• Protection: we may disclose personal information to third parties if we believe disclosure is necessary to protect our rights or property, protect someone's health, safety, or welfare, or comply with a law, regulation, court order, or other legal process.

If you opt in to text messages, we use your mobile number only for that program, and we do not share your mobile number or your consent with third parties for their marketing. Our SMS Terms describe the program.

If you share information with an advertiser on our website, including by clicking on their ads, this Privacy Policy does not control the advertiser’s use of your personal information; check the privacy policies of those advertisers and services before interacting with an ad.

We may contact you periodically by email, mail, or telephone to provide information regarding programs, products, services, and content that may be of interest to you. In addition, some features on this website 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 email; that response or confirmation may include your personal information. We cannot guarantee that our emails to you will be secure from unauthorized interception.

We have implemented generally accepted standards of technology and operational security designed 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 those employees and vendors are required to treat this information as confidential. Despite these precautions, no method of transmission or storage is completely secure, and we cannot guarantee that unauthorized persons will never obtain access to your personal information.

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

This website may provide public or shared discussion features. Any information you post in these areas becomes public, so please do not post sensitive information there. Whenever you publicly disclose information online, that information can 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 such forums. Lucro does not agree or disagree with anything posted in community discussions. Remember that you must also comply with our other published policies regarding postings in our public forums.

You may, at any time:

• Request access to the personally identifiable information you have submitted through the website.
• Ask us to correct or update that information.
• Ask us to delete that information, subject to any records we are required to keep for legal, billing, or security purposes.
• Unsubscribe from marketing emails (every marketing email includes an unsubscribe option) or ask to be removed from mailing lists and registrations.

To exercise any of these choices, contact us at admin@morelucro.com. We will respond to verified requests within a reasonable time.

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 at admin@morelucro.com.

This California Data Privacy Addendum (“CDPA”) forms part of the Terms and Conditions by and between you and Lucro and its affiliates, pursuant to which you have accessed Lucro’s services as defined in the applicable agreement (the “Agreement”). By agreeing to the Terms and Conditions, Lucro and you agree to comply with the following provisions with respect to any Consumer’s Personal Information.

Definitions. “CCPA” means the California Consumer Privacy Act of 2018, California Civil Code § 1798.100 et seq., 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. “Business,” “Business Purpose,” “Consumer,” “Person,” “Personal Information,” “Sell,” “Service Provider,” and “Third Party” have the meanings set forth in the CCPA. “Personal Information” means personal information (as defined in the Agreement) that constitutes “personal information” under the CCPA. All other defined terms have the meanings set forth in the Agreement.

Terms. The terms of this CDPA took effect on January 1, 2023 and continue for so long as Lucro processes Consumers’ Personal Information. The parties agree that you are a “Business” and Lucro is your “Service Provider” in relation to this CDPA and Lucro’s processing of Personal Information under the Agreement, and the parties agree to comply at all times with the provisions of the CCPA applicable to their respective obligations as Business and Service Provider. The Business Purpose for which Lucro processes 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; you disclose Personal Information to Lucro only for such limited and specified purposes as described in the Agreement.

The mandatory contractual rights and restrictions required to be granted by and imposed on Service Providers under the CCPA, as set forth in Cal. Civ. Code § 1798.100(d) and § 1798.140(ag)(1), are deemed granted by and incorporated into this CDPA, and Lucro agrees to comply with them, provided that your compliance-monitoring rights under § 1798.140(ag)(1)(D) are limited to those described below. Your exercise of those rights shall be at your sole cost and expense, and is limited to the right to receive, upon written request, (a) third-party certifications and audit reports on Lucro’s security, privacy, and architecture, or (b) Lucro’s responses to industry-standard written audit questionnaires. Assessments may be carried out by you or an inspection body designated by you that uses an appropriate and accepted control standard or framework and is composed of independent members subject to a duty of confidentiality; any resulting report may be used only for compliance purposes and constitutes confidential information of both parties. No access to any part of Lucro’s information technology systems, data hosting sites or centers, or 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.

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 ensures that any subcontractor to whom Lucro transfers Personal Information has entered into a written agreement requiring the subcontractor to abide by terms substantially similar to this CDPA. 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.

Miscellaneous. Except as expressly provided in this CDPA, the parties intend no amendment or modification of the Agreement or of any other addendum or supplement signed by the parties. Any notice to be provided under this CDPA to you shall be sent via email to the email address associated with your account. 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 control. If any provision of this CDPA is held by a court of competent jurisdiction to be contrary to law, the provision shall be modified and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect. No waiver under this CDPA is valid or binding unless set forth in writing and duly executed by the party against whom enforcement is sought; any delay or forbearance by either party in exercising any right will not be deemed a waiver of that right.

Lucro reserves the right to modify this Privacy Policy at any time. Any changes will be listed on this page, and if the changes are material, a notice will be included on the website’s homepage for a period of time.

If you have any questions about privacy at any website operated by Lucro, or about our practices, please contact us at admin@morelucro.com.