Terms of Service

Last Updated: September 8, 2023

Non-Discrimination

• We uphold your CCPA rights and will not discriminate against you in any manner for exercising them.
• Your access to goods and services will not be denied based on your choices.
• We will not apply differential pricing, rates, or penalties for goods or services.
• Your exercise of CCPA rights will not result in a different level or quality of goods or services.
• We will not suggest any price, rate, level, or quality changes based on your CCPA rights exercise.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site’s homepage.

Contact Information

• If you have any questions, comments, or concerns regarding this Privacy Notice, our Privacy Policy, or the usage of your personal information, as well as your California rights, don’t hesitate to get in touch with us.
• Email us at: [email protected]
• Send your inquiries via U.S. mail to: 415 North Benton Ave, Helena, MT 59601

Detailed Wireless and SMS Policy

• Data obtained in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
• In addition to any fee you are informed about, your provider’s standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.
• All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of SMS messages, as delivery is subject to effective transmission from your network operator.
• SMS message services are provided on an AS IS basis.

• We may utilize personal information to fulfill the services you requested, including delivering customized content and advertising.
• Furthermore, we may use personal information for auditing, research, and analysis to operate and enhance our technologies and services.
• When involving third parties to process your personal information, we ensure compliance with our Privacy Policy and appropriate confidentiality and security measures.
• You have the right to remove your information from our database.

• By choosing to remove your information, it will no longer be used for secondary purposes by us or used to send promotional correspondence.
• To remove your information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• If you have inquiries, want to opt-out of any communication (phone, email, SMS, or otherwise), or require further details about this Privacy Policy, please contact us at [email protected] or send us a letter to 415 North Benton Ave, Helena, MT 59601.

Response Timing and Format

• Upon receiving your verifiable User request, we aim to respond within forty-five (45) days.
• If we require more time (up to ninety (90) days) to address your request, we will notify you in writing, providing the reason and extension period.
• Your response can be delivered either by mail or electronically, depending on your preference.
• Any information disclosures will cover only the twelve (12) months preceding your verifiable request.
• If we are unable to comply with your request, the response will include an explanation.
• For data portability requests, we will select a format that allows you to easily use and transfer your personal information to another entity.

• We do not charge a fee for processing or responding to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If a fee is applicable, we will provide you with a cost estimate and rationale before fulfilling your request.

Wireless and SMS Policy

• We may use personal information to fulfill the services you requested, which include providing customized content and advertising.
• Standard messaging rates from your provider will apply to our confirmation and all subsequent SMS correspondences, in addition to any mentioned fees.
• If you wish to opt-out and remove your SMS information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• Upon removing your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence.

General Privacy Policy:

Last Updated September 8, 2023

Https://www.firelight-holdings.com (the “Website,” “we,” “our,” or “us”) is dedicated to safeguarding your privacy and encourages you to review our privacy policy. Your acceptance of this Privacy Notice is implied by your visit to this website.

• What This Privacy Policy Covers:
  • This policy outlines how we handle personal information collected and received by the website, including information about your past use of our products and services. Personal information includes data that can identify you, such as your name, address, email address, IP address, or phone number, which is not publicly available.
  • This policy does not apply to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

Changes to this Privacy Policy

• Policy Updates: This privacy policy may be updated periodically. If there are any substantial changes in how we handle personal information, we will inform you by sending a notice to the primary email you have provided or by displaying a prominent notice on our site.

Information Collection and Use General

• Upon registration, the website collects personal information from you.
• During registration, we ask for your name, address, phone number, email address, and zip code. After completing the registration and accessing our services, you are no longer anonymous to us.
• We gather information concerning your transactions with us, including the usage of our offered financial products and services.
• Automatically, the website receives and records information from your browser through our server logs, including your IP address, cookie data, and requested pages.
• We utilize the collected information for the following general purposes: fulfilling your product and service requests, enhancing our services, contacting you, and conducting research.
• We retain the right to send you specific communications related to our services, such as service announcements, administrative messages, special offers, and a website Newsletter.

Confidentiality and Security

• Ensuring your privacy, we restrict access to your personal information to employees whom we reasonably believe need it to provide products or services or carry out their job functions.
• Our physical, electronic, and procedural safeguards are designed in accordance with federal regulations to safeguard your personal information.

Information Sharing and Disclosure

• Information You Give Us: By providing information on our website or through other means, you enable us to receive and store it. While certain details can be omitted at your discretion, please note that this may restrict your access to many of our features. The information you share is used for purposes such as addressing your requests, personalizing your future shopping experiences, improving our stores, and staying in communication with you.
• Automatic Information: When you interact with us, specific types of information are automatically received and stored. As with numerous other websites, we utilize “cookies,” and certain information is acquired when your Web browser accesses this site.
• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, sending postal mail and email, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. Although they have access to the personal information necessary for their tasks, they may not utilize it for other purposes.
• Legal Obligations: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.
• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before this transfer occurs and your information becomes subject to a different privacy policy, we will notify you.

Do Not Track Browser Settings

• Take into consideration that advertisers may gather information about your online browsing behavior to present you with targeted ads, also referred to as “behavioral advertising.” To opt-out of receiving such targeted ads, you have the opportunity to submit opt-out requests to the relevant service providers. However, please be aware that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. If you wish to opt-out of behaviorally targeted ads, you can do so at any time by clearing your browser’s cookies.

GDPR and CASL Compliance

• Unfortunately, we are unable to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations grant certain rights to their citizens that differ from those in the United States. As a result, we do not accept registrations from any citizen outside the United States. Our services are exclusively tailored for United States citizens. To the best of our knowledge, we have removed all data related to European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please notify us at [email protected].

Cookies

• To enhance Web Site and Systems Administration, we may set and access cookies on your computer.
• Cookies, which are alphanumeric identifiers, are transferred to your computer’s hard drive through your Web browser. They enable our systems to recognize your browser and facilitate the storage of items in your Shopping Cart between visits.

Privacy Notice for California Residents

Last Updated: September 8, 2023

• Privacy Notice for California Residents: This Privacy Notice supplements the information provided in Firelight Holdings Privacy Policy available on the website Https://www.firelight-holdings.com (the “Site”). The Site is owned and operated by Firelight Holdings (“Company,” “we,” “us,” or “our”). This Privacy Notice specifically applies to residents of California (“Users”) and is adopted in accordance with the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant California State privacy laws. Any terms defined by the CCPA carry the same meaning in this Privacy Notice. If you require this Privacy Notice in an alternative format due to a disability, please contact us at support [email protected] or send us U.S. mail to 415 North Benton Ave, Helena, MT 59601.

Exercising Opt-Out Rights

• You retain the right to opt-out of the use of your personal information. To exercise this right, please submit a verifiable User request using one of the following methods:
• Email: [email protected]
• U.S. Mail: 415 North Benton Ave, Helena, MT 59601
• We will make every effort to address all opt-out requests expeditiously, typically within fifteen (15) days of receiving your request.

Empowering Access and Data Portability

• You possess the right to request that we disclose specific information regarding our collection and use of your personal information in the past twelve (12) months. Upon receipt and validation of your verifiable User request, we will disclose the following:
• The categories of personal information we collected about you.
• The categories of sources from which we collected your personal information.
• Our business or commercial purpose for collecting or selling that personal information.
• The specific pieces of personal information we collected about you (also known as a data portability request).
• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists:
  • sales, identifying the categories of personal information purchased by each category of recipient;
  • disclosures for a business purpose, identifying the categories of personal information obtained by each category of recipient.

Access, Data Portability, and Deletion Rights

• If you wish to exercise your access, data portability, and/or deletion rights as outlined above, please submit a verifiable User request using one of the following methods:
  • Email us at [email protected]; or
  • Send us U.S. mail to: 415 North Benton Ave, Helena, MT 59601
• Only you or an individual registered with the California Secretary of State and authorized by you can make a verifiable User request concerning your personal information.
• You may make a verifiable User request for access or data portability up to two times within a 12-month period.
• To ensure a successful request, provide sufficient information that allows us to reasonably verify your identity or the authorized representative’s identity.
• Describe your request in detail so that we can properly understand, evaluate, and respond to it.
• If we cannot verify your identity or the request’s relevance to you, we will be unable to fulfill your request or provide personal information.
• Note that creating an account with us is not required to make a verifiable User request.
• Personal information provided in a verifiable User request will be used solely for identity verification or authorization purposes.

Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device (“personal information”). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

Your Rights and Choices

• The CCPA provides Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Use of Personal Information

• The personal information collected is used or disclosed for one or more of the following business purposes:
  • To fulfill or meet the reason for which the information is provided. For instance, using personal information to provide you with requested quotes or information about mortgage-related products and services featured on the Site.
  • To provide you with information, products, or services you request from us.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in sweepstakes or promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages about specific Company products and/or services, as well as third-party products and/or services that may be of interest to you.
  • To deliver relevant Site content and advertisements and assess the effectiveness of the advertising served to you.
  • To fulfill our obligations and enforce our rights arising from contracts entered into between you and us, including the Site’s Terms and Conditions.
  • To improve the Site and present its contents better to you.
  • For customer service purposes and to respond to inquiries from you.
  • For testing, research, analysis, and product development.
  • To protect our rights, property, or safety, and that of our clients or others.
  • To respond to law enforcement requests and comply with applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise stated in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us is among the transferred assets.

We will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing you with notice.

Sources of Personal Information

• We collect the aforementioned categories of personal information from various sources, including:
  • Directly from our Users, particularly through online registration forms related to the products and/or services offered on the Site.
  • Indirectly from our Users, which involves information gathered during the provision of products and/or services.
  • Directly and indirectly from Site activity, covering browser types (e.g., Safari, Chrome, Internet Explorer), IP addresses, operating systems (e.g., Windows or iOS), and Internet Service Provider domain names. Furthermore, certain Site usage details and analytics are automatically collected through our collaboration with third-party partners like Google® and Hotjar®.
  • Through interactions on our social media accounts, encompassing User comments and likes on our posts.
  • Directly from Users through online registration forms for participation in promotions or sweepstakes featured on the Site.
  • From third parties interacting with us in connection to the products and/or services offered to our Users. This includes third-party entities assisting in direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

Our Policy on Sharing Personal Information

• We are committed to not sharing, renting, and/or selling your personal information with/to third parties or affiliate marketers for marketing purposes.

Exclusions from Personal Information

• Personal information does not encompass the following:
  • Publicly available information obtained from government records.
  • De-identified or aggregated User information.
  • Information that falls outside the scope of the CCPA, including:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
    • Personal information protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Deletion Request Rights

• You have the right to request the deletion of any personal information we collected and retained from you, subject to specific exceptions. Upon receipt and verification of your verifiable User request, we will delete your personal information from our records (and direct our service providers to do the same), unless an exception applies.
• We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise perform our contractual obligations with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if deletion may render the research impossible or seriously impair its achievement and you previously provided informed consent.
  • Enable solely internal uses that align with User expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.