Privacy Policy

Home > Privacy Policy

Updated on January 1, 2020

Introduction

Amalgamated Financial Group (“Company”, “Company’s” or “We”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy first describes the types of information we may collect from you or that you may provide when you visit the website www.amalgamated.com (our “Website”, “Site”, “Sites”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. Second, this policy describes certain privacy rights specific to California residents.

Privacy rights and our Website

The information contained in this section applies to data we collect:

on this Website.
in email, text, and other electronic messages between you and this Website and our Client’s Website.
through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
when you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
information that you supply to us and/or our clients, vendors and/or affiliates.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at WebSales@amalgamated.com.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

by which you may be personally identified, such as name, postal address, e-mail address, telephone number, or ANY OTHER INFORMATION THE WEBSITE COLLECTS THAT IS DEFINED AS PERSONAL OR PERSONALLY IDENTIFIABLE INFORMATION UNDER AN APPLICABLE LAW/any other identifier by which you may be contacted online or offline (“personal information”);
that is about you but individually does not identify you and/or
about your internet connection, the equipment you use to access our Website and usage details.

We collect this information:

directly from you when you provide it to us.
automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
from third parties, for example, our business partners and clients.

Information You Provide to Us

The information we collect on or through our Website may include:

information that you provide by filling in forms on our Website and/or on our Client’s Websites. This includes information provided at the time of registering to use such Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
records and copies of your correspondence (including email addresses), if you contact us.
your responses to surveys that we might ask you to complete for research purposes.
details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
your search queries on the Website.

You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). The Help portion of the toolbar on most Web browsers will tell you how to prevent your Web browser from accepting new cookies, have the Web browser notify you when you receive a new cookie, or disable most cookies. However, you may not be able to access some tools and features offered on our Web sites if you refuse to accept cookies.

The information we collect automatically is statistical data and may include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

estimate our audience size and usage patterns.
store information about your preferences, allowing us to customize our Website according to your individual interests.
speed up your searches.
recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies).A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Flash Cookies.Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
Web Beacons.Pages of our the Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Google Analytics. Some or all of the Company’s Sites make use of Google Analytics Demographics and Interest Reporting. The Company’s Sites may also make use of other Google Analytics for Display Advertising features, including Remarketing, Google Display Network Impression Reporting and/or the DoubleClick Campaign Manager integration. We are required by Google to disclose the following information to you in our Privacy Statement in connection with our use of any Google Analytics for Display Advertising features on the Company’s Sites:

you may opt out of Google Analytics for Display Advertising or customize Google Display Network ads by using the Google Ads Settings page. You may also prevent your data from being collected and used by Google Analytics by opting out through the use of the Google Analytics Opt-out Browser Add-on.
if the Company’s Sites make use of the Google Analytics for Display Advertising Remarketing feature, Company will use such Remarketing feature to advertise online and third party vendors, including Google, may show Company’s ads on sites across the Internet.
Company and third party vendors, including Google, may use first-party cookies (such as the Google Analytics cookies) and third party cookies (such as the DoubleClick cookie) together to (a) inform, optimize and serve ads based on a user’s past visits to the Company’s Sites, and/or (b) report how your ad impressions, other uses of ad services, and interactions with these ad impressions and ad services are related to visits to the Company’s Sites.
data from Google Analytics Demographics and Interest Reporting may be utilized by Company to help recognize and understand user preferences, to make improvements to the Company’s Sites, to choose content and advertising to display to you, and for other business purposes that will allow Company to better serve you.
for more information about which third party advertising cookies may be stored on your browser, and how to selectively opt-out of each, please see the Network Advertising Initiative opt-out page or the Digital Advertising Alliance’s website. http://www.networkadvertising.org/choices/http://www.aboutads.info/choices

Third-Party Use of Cookies and Other Tracking Technologies.

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

to present our Website and its contents to you.
to provide you with information, products, or services that you request from us.
to fulfill any other purpose for which you provide it.
to provide you with notices about your account, including expiration and renewal notices.
to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
to notify you about changes to our Website or any products or services we offer or provide though it.
to allow you to participate in interactive features on our Website.
in any other way we may describe when you provide the information.
for any other purpose with your consent.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

to our subsidiaries and affiliates.
to contractors and service providers we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our Website users is among the assets transferred.
for any other purpose disclosed by us when you provide the information.
with your consent.

We may also disclose your personal information:

to comply with any court order, law, or legal process, including to respond to any government or regulatory request.
if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Company, our client, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising.You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Promotional Offers from the Company.If you do not wish to have your email address/contact information used by the Company to promote our own or third parties’ products or services, you should not submit any personal information.

The Help portion of the toolbar on most Web browsers will tell you how to prevent your Web browser from accepting new cookies, have the Web browser notify you when you receive a new cookie, or disable most cookies. However, you may not be able to access some tools and features offered on our Web sites if you refuse to accept cookies.

Data Security

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Your California Privacy Rights

California Civil Code Section § 1798.83: California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to WebSales@amalgamated.com or write us at: 105 White Oak Lane Old Bridge, New Jersey 08857-1006

The California Consumer Privacy Act

Rights

The California Consumer Privacy Act (hereinafter CCPA) provides California consumers, defined as a natural persons who are California residents, with rights regarding their personal information. Under the CCPA, California residents have the following rights:

Right to know what personal information is being collected from them, including the categories of personal information collected, specific pieces of information collected, the sources from which the information was collected, and the business or commercial purpose for which it was collected
Right to access that information and request for the business to delete that personal information
Right to know whether the business sells, as defined the CCPA, personal information, and the business and commercial purpose for selling the personal information
Right to know if the business disclosed consumer’s personal information
Right to opt-out of the sale of their personal information
Right to not be discriminated based on having exercised any rights provided by the CCPA

Making a verifiable request

To exercise the right to access and delete personal information, California consumers must submit a verifiable consumer request to us by either:

Sending a request in writing to Amalgamated Financial Group 105 White Oak Lane Old Bridge, New Jersey 08857-1006
Emailing us at WebSales@amalgamated.com

A verifiable consumer request must contain sufficient information to verify that the person making the request is authorized to do so. Upon receipt of a consumer request that is not verifiable on its face, Amalgamated may contact the consumer to request sufficient verification.

Opt-out provision

The CCPA gives California consumers the right to opt-out of the sale of their personal information. Amalgamated does not sell your personal information.

Personal Information Collected By Amalgamated Within The Last Twelve Months

In the last twelve months, Amalgamated has collected the following personal information:

Identifiers:
- Names, aliases, postal addresses, email addresses, telephone numbers, social security numbers or other similar identifiers
Audio, visual, and other sensory information, such as audio recording, and facial photograph and image
Employment information, such as occupation, title, licenses and professional memberships
Demographic information, such as age
Characteristics of protected classifications under state or federal law, such as gender
Device and online identifiers, such as social media profile
Location information, such as geo-location information
Commercial information: records of personal property, products or services purchased
Your search queries on our Website
Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

Information about your computer and internet connection, including your IP address, operating system, and browser type.
Information generally contained in credit reports

Sources of Personal Information

Personal information provided by creditors
Personal information we receive from consumers in telephone conversations, mail and email correspondence
Publicly commercially available data bases, including credit bureaus, private investigators, search engines, social media, neighboring businesses amongst others.

Use of Personal Information

As a commercial collection agency, Amalgamated uses personal information for business purposes in the course of performing collection services for its clients. In addition, Amalgamated uses personal information to protect the security and integrity of our business and help prevent fraud; to conduct business analysis, such as analytics, projections, identifying areas for operational improvements; to fulfill our legal function or obligations.

Personal Information Sold within the Last Twelve Months

In the preceding twelve months, Amalgamated has not sold any personal information.

Personal Information Disclosed for Business Purposes

At times and in order to perform collection services, Amalgamated may work with third parties who provide important services necessary in the course of business. In doing so, Amalgamated may, at times, share certain private information with third parties for business purposes. In the past twelve months, Amalgamated has shared certain private information for the following purposes:

Auditing for legal and regulatory compliance
- Identifiers such as names
Security
- Detecting/preventing security breaches
- Protecting against fraud
Debugging
- Identifying and fixing technical error
Performing Services
- Account maintenance
  - Identifiers
- Legal services
  - Identifiers such as names
  - Audio, visual, and other sensory information, such as audio recording, and facial photograph and image
- Processing transactions
  - Identifiers such as names to process payments through credit card companies
- Skip tracing
  - Identifiers such as names, addresses, phone numbers
- Internal research to develop technology
  - Names, aliases, postal addresses, email addresses, social security numbers or other similar identifiers
  - Audio, visual, and other sensory information, such as audio recording, and facial photograph and image
  - Employment information, such as occupation, title, licenses and professional memberships
  - Demographic information, such as age
  - Characteristics of protected classifications under state or federal law, such as gender
  - Device and online identifiers, such as social media profile
  - Location information, such as geo-location information
  - Commercial information: records of personal property, products or services purchased

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: WebSales@amalgamated.com or via mail at 105 White Oak Lane Old Bridge, New Jersey 08857-1006