Privacy Policy

Last Modified: February 10, 2023

This Privacy Policy (“Privacy Policy”) describes the types of information Connecticut Hospital Association and any of its subsidiaries or affiliates (collectively, “Company”, “we”, “us”, or “our”) collect, use, and share about you when you visit or use our websites at www.cthosp.org; www.carewecancounton.org; www.caringforconnecticut.org; www.supportcthealthcareworkers.org, and all related services, features, and content offered by Company or when you otherwise contact or interact with us (collectively, “Services”). The terms “you” and “your” refers to you, the user. If you are using the Services on behalf of a business, association, or other entity, “you” or “your” will also refer to such business, association, or other entity, unless the context clearly dictates otherwise. You agree that you are authorized to consent to these terms on behalf of such business, association, or other entity, and we can rely on this. This Privacy Policy also explains how Company may use and share your Personal Information (as defined in Section 1), as well as the choices available to you.

By using/continuing to use the Services, you acknowledge you have read and understand and agree to the collection, storage, use, and disclosure of your Personal Information as described in this Privacy Policy, and you agree to the Terms of Service which is incorporated by reference. If you do not agree, please do not access or use the Services.

Eligibility to Use the Services

To use the Services you must be, and represent and warrant that you are, at least the age of majority in your state, province or jurisdiction of residence and competent to agree to these terms; or if you are under the age of majority in your state, province or jurisdiction of residence, you represent and warrant that your parent or legal guardian has reviewed this Privacy Policy with you and accepts them on your behalf; parents or legal guardians are responsible for the activities of their minor dependents while using the Services.

Terms of Service

If you choose to access or use the Services, your access and use, and any dispute over privacy is subject to this Privacy Policy and our Terms of Service, including, but not limited to, limitations on damages and resolution of disputes.

1.  Personal Information We Collect

Generally, we collect four (4) types of information about you: (A) information and content you give us directly; (B) information we obtain automatically when you use our Services; (C) demographic information; and (D) information we get about you from other sources. When we talk about “Personal Information” in this Privacy Policy, we are talking about any information collected in accordance with this section. Please see below for more information on each category.

A.    Information and Content You Give Us Directly

(i)        Personal Information. Personal information, such as your name, address, e-mail address, username, password, and any other information you directly provide us on or through the Services.

(ii)      Email Correspondences. Records and copies of your email messages together with your email address and our responses, if you choose to correspond with us through email.

(iii)     Transaction Information. We or service providers working on our behalf may collect information and details about any purchase or transactions made on the Services. This includes payment information, such as your credit or debit card number and other card information; other account and authentication information; and billing, shipping, and contact details. We do not collect or store payment card information ourselves; rather we rely on third party payment processors (e.g., Stripe) to store and process this information as part of the Services.

B.    Information We Obtain Automatically When You Use Our Services

(i)        Activity Information. Details of your visits to our Services, including the types of content you view or engage with; the features you use; the actions you take; the people or accounts you interact with; the time, frequency, and duration of your activities; and other information about your use of and actions on the Services.

(ii)      Equipment Information. Information about your computer and internet connection, including your device or computer operating system, IP address, browser type, and browser language.

(iii)     Location Information. Information about the location of your device, including GPS location, for purposes of enhancing or facilitating the Services. For example, we may use information about the location of the device you are using to help us understand how the Services and functionality are being used and to deliver more relevant advertising. If you do not want to share your location, you can disable location sharing in the settings on your device.

(iv)     Cookies, Pixel Tags/Web Beacons, and Other Technologies. Cookies, pixel tags, web beacons, clear GIFs, javascript, entity tags, HTML5 local storage, resettable device identifiers, or other similar technologies (collectively, the “Technologies”) may be used by us, as well as third parties that provide the content, advertising, or other functionality on the Services to automatically collect information through your use of the Services. Please see Section 9 for more information on the technologies we may use for this automatic data collection.

C.    Demographic Information

We may collect demographic, statistical, or other aggregate information that is about you, but individually does not identify you. Some of this information may be derived from Personal Information, but it is not Personal Information and cannot be tied back to you. Examples of such aggregate information include gender, age, and race.

D.    Information We Get About You from Other Sources

We may receive information about you from other sources and add it to our information, including from third-party services and organizations who have the right to provide us with such information. We protect this information according to the practices described in this Privacy Policy, plus any additional restrictions imposed by the source of the data. These sources may include: online and offline data providers, from which we obtain demographic, interest-based, and online advertising related data; publicly-available sources such as open government databases or social networks; and service providers who provide us with information, and updates to that information, based on their relationship with you. By gathering additional information about you, we can correct inaccurate information, enhance the security of your transactions, and give you product or service recommendations and special offers that are more likely to interest you.

2.  How We Use Your Information

We may use the information we collect about you in a variety of ways, to provide our Services, for administrative purposes, and to market and advertise our Services and products.

A.    We Use Your Personal Information to Provide Our Services

We may use your Personal Information to:

(i)        provide the Services and its content to you.

(ii)      respond to comments, questions, and provide customer service.

(iii)     fulfill any other purpose for which you provide Personal Information.

(iv)     communicate with you about an account.

(v)       inform you about important changes to, or other news about, the Services or any of its features or content.

B.    We Use Your Information for Administrative Purposes

We may use your Personal Information to:

(i)        operate, maintain, improve, personalize, and analyze the Services.

(ii)      monitor and analyze trends, usage, and activities for marketing or advertising purposes.

(iii)     detect, prevent, or investigate security breaches, fraud, and other unauthorized or illegal activity.

(iv)     carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

(v)       maintain appropriate records for internal administrative purposes.

(vi)     allow you to participate in interactive features on the Services.

C.   We Use Your Information to Market and Advertise Our Services and Products.

We may use your Personal Information to:

(i)       send promotional communications, such as information about features, newsletters, offers, promotions, contests, and events.

(ii)      share information across Services and devices to provide a more tailored and consistent experience on the Services.

(iii)     develop, test, and improve new products or services, including by conducting surveys and research and testing and troubleshooting new products and features.

3.  How We May Share or Disclose Your Information

We may share or disclose aggregated or anonymized information about our users to third parties for a variety of business purposes without any restrictions, including to provide our Services and/or to protect us or others. We may share or disclose information in the event of a major business transaction such as a merger, sale, or asset transfer. The following circumstances describe in additional detail the ways we may share or disclose your Personal Information that we collect or that you provide under this Privacy Policy:

A.    We Disclose Your Information to Provide Our Services

(i)        Subsidiaries and Affiliates. We may share your Personal Information with our parent companies, subsidiaries, joint ventures, and affiliated companies for purposes of management and analysis, decision-making, and other business purposes, consistent with this Privacy Policy.

(ii)      Service Providers. We may share your Personal Information with our third-party service providers, contractors, and any other similar third parties that help us provide our Services. This may include service providers that help us with analytics services or support services, website hosting, email and postal delivery, location mapping, product and service delivery. Service providers are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them.

(iii)     Advertising/Marketing Service Providers. We may share your Personal Information with marketing service providers to assess, develop, and provide you with promotions and special offers that may interest you, administer contests, sweepstakes, events, or for other promotional purposes.

(iv)     Consent or to Fulfill the Purpose that Information was Provided. We may share your Personal Information to fulfill the purpose for which you provide that information, with your consent, or for any other purpose disclosed by us when you provide the information.

B.    We May Disclose Your Information in the Event of a Merger, Sale or Other Asset Transfers

If we become involved in a merger, acquisition, financing due diligence, divestiture, restructuring, reorganization, bankruptcy, dissolution, sale, or transfer of some or all of our assets (whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding), or transition of Services to another provider, your Personal Information may be sold or transferred to business entities or people involved in such process.

C.    We Disclose Your Information to Protect Us or Others

(i)        When Required by Law. We may share your Personal Information to comply with any court order, law, or legal process, including to respond to any government or regulatory request.

(ii)      To Enforce Our Rights. We may share your Personal Information to enforce or apply this Privacy Policy, our Terms of Service, and other agreements, including for billing and collection purposes.

(iii)     To Protect Lawful Interests. We may share your personal information if we believe disclosure will help us protect the rights, property, or safety of Company, our users, partners, agents, and others. This may include exchanging information with other companies and organizations for fraud protection, and spam and malware prevention.

4. Your Privacy Choices and Rights

You have certain choices and rights with respect to your privacy. For example, you may be able to opt out of receiving marketing messages from us, make choices regarding cookies, and exercise other privacy rights under applicable law.

A. Mechanisms to Control Your Information

• • Cookies and Other Tracking Technologies. You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser. Each browser is different, but many common browsers have preferences that may be adjusted to allow you to either accept or reject cookies and certain other technologies before they are set or installed, or allow you to remove or reject the use or installation of certain technologies altogether. We recommend that you refer to the “Help” menu in your browser to learn how to modify your browser settings. Please note that you cannot remove Flash cookies simply by changing your browser settings. 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 the Services may become inaccessible or may not function properly.
  • Communications from Company. If you do not wish to have your contact information used by Company to promote our own or third-party products or services, you can opt-out by: (1) informing us of your preference at the time you sign up for your Services account (if applicable), or complete any other form on or through the Services which we collect your data; (2) modifying your user preferences in your account profile by checking or unchecking the relevant boxes; (3) following the opt-out instructions at the bottom of the promotional emails we send you; or (4) sending us an email stating your request. Please note that we may also send you non-promotional communications, however you will not be able to opt-out of these communications (e.g., transactional communications, including emails about your account; communications regarding our Services; and communications about updates to this Privacy Policy and the Terms of Service).
  • “Do Not Track”. “Do Not Track” (“DNT”) is a privacy preference you can set in certain web browsers. When you turn on this preference, it sends a signal or message to the websites you visit indicating that you do not wish to be tracked. Please note that we currently do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada.

B. Accessing and Correcting Your Information

In accordance with applicable law, you may have the right to:

• Access Personal Information. You may access Personal Information about you, including: (1) confirming whether we are processing your Personal Information; (2) obtaining access to or a copy of your Personal Information; and (3) receiving an electronic copy of personal information that you have provided to us, or asking us to send that information to another company (the “right of data portability”).
• Request Correction of Personal Information. You may request correction of your Personal Information where it is inaccurate, incomplete, or improperly possessed.
• Request Deletion of Personal Information. You may request deletion of your Personal Information held by us about you. Please note: we cannot delete your Personal Information except by also deleting your account.
• Opt-out. You may request to opt-out of the processing of your Personal Information for the purpose(s) of: (1) targeted advertising; (2) sale of personal information; or (3) profiling to make decisions that have legal or other significant effects on you.

If you would like to exercise any of these rights, you may send us an email to request access to, correction of or removal of any Personal Information that you have provided to us. We will process such requests in accordance with applicable law.

The following are additional Consumer Privacy Rights:

• Non-Discrimination. Residents have the right not to receive discriminatory treatment by covered businesses for the exercise of their rights conferred by the applicable privacy law.
• Authorized Agent. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child. To designate an authorized agent, please contact us as set forth in “Contact Information” below and provide written authorization signed by you and your designated agent.

Verification.  To protect your privacy, we will take the following steps to verify your identity before fulfilling your request. When you make a request, we will ask you to provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative, which may include asking you to answer questions regarding your account and use of our Services

C. Your Right to Appeal

If you are dissatisfied with the refusal of Company to take action in accordance with the exercise of your rights in the “Accessing and Correcting Your Information” section above, you may request reconsideration by Company, by sending a written request for reconsideration to the mailing address found in the “Contact Information” section below. Within sixty (60) days of Company’s receipt of such written request for reconsideration, Company shall inform you in writing (at the address indicated in your initial written request) of any action taken or not taken in response to your request for reconsideration, including a written explanation of the reasons for the decision. In addition, if your request for reconsideration is denied, you have the right to appeal to the Attorney General in your state of residence.

5. How We Protect Your Information

We have implemented safeguards reasonably designed to secure your Personal Information. Such safeguards include the implementation of various technical, physical, administrative and organizational security measures intended to reduce the risk of loss, misuse, unauthorized access, disclosure, or modification of your information. All information you provide to us is stored on our secure servers behind firewalls.

The safety and security of your information is also dependent on you. If we have given you (or where you have chosen) a password for access to certain parts of the Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

While we have employed security technologies and procedures to assist safeguarding your Personal Information, no system or network can be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time. 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 Services.

6. International Transfer of Personal Information

If you provide Personal Information through the Services, you acknowledge and agree that such Personal Information may be transferred from your current location to the offices and servers of Company and the other third parties referenced in this Privacy Policy located in the United States or other countries, which may have data protection laws that are different from the laws where you live. We endeavor to safeguard your information consistent with the requirements of such laws, where applicable.

7. Personal Information Retention Period

We keep your information for the length of time needed to carry out the purpose outlined in this Privacy Policy and to adhere to our policies on keeping records (unless a longer period is needed by law). Our records policies reflect applicable laws. We will retain and use your information to the extent necessary to manage your relationship with us, personalize and improve your overall customer experience, and to comply with our legal obligations. Where we retain data, we do so in accordance with our record retention policies and any limitation periods and records retention obligations that are imposed by applicable law.

8. State Privacy Rights

1. 1. California Privacy Rights. The California Consumer Privacy Act of 2018 and California Privacy Rights Act of 2020 (CPRA) (together, “CCPA“) requires covered businesses to provide California residents with some additional information regarding how they collect, use, and share your “personal information” (as defined in the CCPA). While Company is not currently a covered business under the CCPA, we value privacy and strive to be transparent with our customers. As such, we have provided additional details below about the information we collect, how we disclose it, and how you can exercise your privacy rights under the CCPA, in the event it applies to our activities in the future.
      1. Categories of Personal Information that is Collected, Disclosed and Shared. The CCPA provides California residents with the right to know what categories of personal information covered businesses have collected about them and whether such businesses have disclosed that personal information for a business purpose (e.g., to a service provider) in the preceding 12 months. California residents can find this information below:

Category of Personal Information Collected	Category of Third Parties Personal Information is Disclosed to for a Business Purpose
Identifiers A real name, postal address, Internet Protocol address, email address, or other similar identifiers	Service providers Advertising partner
Geolocation data As described above, we may collect your IP address automatically when you use our Services. We may be able to determine your general location based on your device’s IP address.	Service providers Advertising partner

We may use any of the categories of information listed above for other business or operational purposes compatible with the context in which the personal information was collected. The categories of sources from which we collect personal information and our business and commercial purposes for using personal information are set forth in “Personal Information We Collect” and “How We Use Your Information” above, respectively.

We may share any of the information listed above with service providers, which are companies that we engage for business purposes to conduct activities on our behalf. Service providers are restricted from using personal information for any purpose that is not related to our engagement.

• 1. “Sales or Sharing” of Personal Information under the CCPA. California residents have the right to opt out of the “sale” of their personal information. Under the CCPA, “sale” is defined broadly and includes the transfer of personal information by a business to a third party for valuable consideration (even if there is no exchange of money). Company has not “sold or shared” personal information to in the preceding twelve months.
  2. Additional Privacy Rights for California Residents.
     1. Opt-out of “Sales or Sharing” California residents may opt-out of the “sale or sharing” of their personal information by contacting us as set forth in “Contact Information” below. California residents (or their authorized agent) may also exercise your right to limit the disclosure of your sensitive personal information, by clicking on this “Your Privacy Choices” link.
     2. California Shine the Light. The California “Shine the Light” law permits users who are California residents to request and obtain from us once a year, free of charge, a list of the third parties to whom we have disclosed their personal information (if any) for their direct marketing purposes in the prior calendar year, as well as the type of personal information disclosed to those parties. If you are a California resident and would like to exercise any of your rights under the law, please contact us as set forth in “Contact Information” below. We will process such requests in accordance with applicable laws.

B.Nevada Privacy Rights. If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Information to third parties who intend to sell or license that Personal Information, even if your Personal Information is not currently being sold. If you would like to exercise this right, please contact us via the information found in the “Contact Information” section below.

C. Virginia, Colorado, Connecticut and Utah Privacy Rights. Residents of Virginia, Colorado, Connecticut and Utah may have additional rights under relevant privacy laws, including under the Virginia Consumer Data Protection Act (“VCDPA”), Colorado Privacy Act (“CPA”), Connecticut Data Privacy Act (“CTDPA”) (effective July 1, 2023) and Utah Consumer Privacy Act (“UCPA”) (effective Jan. 1, 2024), as applicable. The following additional information is required to be provided by covered businesses under applicable state laws.

1. Sharing of Personal Data under VCDPA, CPA, CTPDA and UCPA. The VCDPA, CPA, CTPDA and UCPA require covered businesses to provide residents of their respective states with the right to know the categories of “personal data” (as defined under applicable law) covered businesses shared with third parties and the categories of third parties with whom such personal data has been shared. Residents of Virginia, Colorado, Connecticut and Utah can find this information below:

Category of Personal Data Shared	Category of Third Parties Personal Data is Shared With
Identifiers A real name, postal address, Internet Protocol address, email address, or other similar identifiers	Service providers Advertising partner
Geolocation data As described above, we may collect your IP address automatically when you use our Services. We may be able to determine your general location based on your device’s IP address.	Service providers Advertising partner

1. “Sales” or Sharing for Targeted Advertising under VCDPA, CPA, CTPDA and UCPA. Residents of Virginia, Colorado, Connecticut and Utah have the right to opt-out of the “sale” of their personal data to third parties or the processing of their personal data for targeted advertising (see Section 4(B)(iv) above). For purposes of this paragraph the definition of “sale”, “sell” or “sold” has the meaning set forth in applicable privacy law. If a consumer wishes to exercise their right to opt-out of the sale of personal data or processing of personal data for targeted advertising, they may do so by following this link. Company does not currently “sell” or “process” personal data for targeted advertising.

9. Cookies and Other Tracking Technologies

1. 1. Description of the Technologies. We as well as third parties that provide the content, advertising, or other functionality on the Services may use Technologies to automatically collect information through your use of the Services. The following describes some of these Technologies we may use for this automatic data collection:
      1. Cookies. A cookie is a small data file stored on the hard drive of your computer either for (a) the duration of your visit on a website (“session cookies”) or (b) for a fixed period (“persistent cookies”). Cookies contain information that can later be read by a web server. We may use cookies to provide you with a more personal and interactive experience on the Services.
      2. Web Beacons. Web beacons are small files that are embedded in webpages, applications, and emails (also known as “clear gifs”, “pixel tags”, “web bugs”, and “single-pixel gifs”) that collect information about engagement on our Services. For example, web beacons allow us to track who has visited those webpages or opened an email, to test the effectiveness of our marketing, and for other related website statistics.
      3. JavaScripts. JavaScripts are code snippets embedded in various parts of websites and applications that facilitate a variety of operations including accelerating the refresh speed of certain functionality or monitoring usage of various online components.
      4. Entity Tags. Entity Tags are HTTP code mechanisms that allow portions of websites to be stored or “cached” within your browser and validates these caches when the website is opened, accelerating website performance since the web server does not need to send a full response if the content has not changed.
      5. HTML5 Local Storage. HTML5 local storage allows data from websites to be stored or “cached” within your browser to store and retrieve data in HTML5 pages when the website is revisited.
      6. Resettable Device Identifiers. Resettable device identifiers (also known as “advertising identifiers”) are similar to cookies and are found on many mobile devices and tablets (for example, the “Identifier for Advertisers” or “IDFA” on Apple iOS devices and the “Google Advertising ID” on Android devices), and certain streaming media devices. Like cookies, resettable device identifiers are used to make online advertising more relevant.
   2. Our Uses of the Technologies. We may also use these technologies for security purposes, to facilitate navigation, to display information more effectively, and to better serve you with more tailored information, as well as for website administration purposes, e.g., to gather statistical information about the usage of our websites in order to continually improve the design and functionality, to understand how users use our websites, and to assist us with resolving questions regarding use of the websites.
   3. Mechanisms to Control Cookies and Other Technologies. You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser. Each browser is different, but many common browsers have preferences that may be adjusted to allow you to either accept or reject cookies and certain other technologies before they are set or installed, or allow you to remove or reject the use or installation of certain technologies altogether. We recommend that you refer to the “Help” menu in your browser to learn how to modify your browser settings. Please note that you cannot remove Flash cookies simply by changing your browser settings. 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 the Services may become inaccessible or may not function properly.
   4. Third Party Technologies. This Privacy Policy covers the use of cookies by Company and does not cover the use of tracking technologies by any third parties. The Services may contain links, content, advertising, or references to other websites or applications run by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you interact with their content on the Services, such as member recruitment vendors to using Web beacons and cookies on our registration pages for payment verification. The information they collect may be associated with your Personal Information or they may collect information about your online activities over time and across different websites. Please be aware that we do not control these third parties’ tracking technologies or when and how they may be used. Therefore, Company does not claim nor accept responsibility for any privacy policies, practices, or procedures of any such third party. We encourage you to read the privacy statements and terms and conditions of linked or referenced websites you enter. We do not endorse, screen, or approve, and are not responsible for the practices of such third parties or the content of their application or website. Providing Personal Information to third-party websites or applications is at your own risk. If you have any questions about an ad or other targeted content, you should contact the responsible provider directly.
   5. Google Analytics. The Services may use Google Analytics, which uses cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to google.com/policies/privacy/partners/, and opt-out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.
   6. Meta Pixel. The Services may use Meta Pixel, which uses a small piece of code embedded in the Services to track the success of advertising efforts, including ad conversions, website traffic, and audience demographics. You can learn about Meta’s practices by going to facebook.com/privacy/center/.

10. Children Using or Accessing The Services

We are especially committed to protecting the privacy of children. Company’s Services are directed at a general audience over the age of eighteen (18) and are not targeted to children. If we learn that we have inadvertently collected or received Personal Information from an individual under the age of eighteen (18), we will use reasonable efforts to immediately remove such information, unless we have a legal obligation to keep it. If you are a parent or legal guardian and think your child under the age of eighteen (18) has given us information without your consent, please contact us via the information found in the “Contact Information” section below.

11. Changes to Our Privacy Policy

We reserve the right to update this Privacy Policy from time to time in order to reflect, changes to our practices or for other operational, legal, or regulatory reasons. When we do update this Privacy Policy, we will post the updates and changes on our website. We may elect to notify you of material changes by mail, email, posting of modified Privacy Policy, or some other similar manner. However, it is your responsibility to check our website regularly for changes to this Privacy Policy. Your continued use of or access to the Services following the posting of any changes to this Privacy Policy constitutes acceptance of those changes.

12. Third-Party Websites and Applications; Social Networking Services

Our Services may offer links to websites or applications that are not run by us but by third parties. These third-party services, websites or applications are not controlled by us, and may have privacy policies that differ from our own. We encourage our users to read the privacy policies and terms and conditions of each website and application with which they interact. We do not endorse, screen or approve, and are not responsible for the practices of such third parties or the content of their application or website. Providing Personal Information to third-party websites or applications is at your own risk.

13. Contact Information

For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e‑mail at helpdesk@chime.org.