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Privacy Policy

Last Updated October 1, 2024

Alma, Inc.‎ and its affiliates (“Alma,” “we,” “our,” or “us”)‎ are committed to protecting your privacy. This privacy policy (“Privacy Policy”) applies to users in the United States and Canada who use this Web site,‎ https://almainc.com/ or any other web sites, related products and services, including any associated interactive ‎features, widgets, plug-ins, applications, content, downloads and other services we may offer to ‎you that posts a link to this Privacy Policy (collectively, the “Services”), regardless of how ‎you access or use them, whether via personal computer, browser, laptop, tablet, mobile phone or ‎other device (each a “Device”).‎ This Privacy Policy covers how Alma collects, uses, shares, and processes personal and other ‎‎information and data of users of our Services. To the extent that we provide you with ‎notice through our Services of different or additional privacy policies or practices (e.g., at ‎the point of collection), those additional privacy policies shall govern such data collection and ‎use‎. 

By using or accessing our Services or by submitting information to Alma, you consent to ‎the terms of this Privacy Policy.‎

In addition to reading this Privacy Policy, please review our Terms of Use, which governs your use of our Services. If you do not agree to our Terms of Use ‎and the collection, use and sharing of your information as detailed in this Privacy Policy, please ‎do not access or otherwise use our Services or any information or content accessible on ‎our Services.‎

We reserve the right to change this Privacy Policy at any time, and we will post a notice or ‎inform you of any such ‎changes on our Web site. Your use of our Services following the ‎posting of an updated Privacy Policy constitutes your acceptance of such updated Privacy ‎Policy. We reserve the right to apply the amended terms to the information that we have already ‎collected, subject to any legal constraints. We will not, however, use your previously collected ‎Personal Information (defined below) in a manner materially different than represented at the time of collection. ‎To the extent any provision of this Privacy Policy is found by a competent tribunal to be invalid ‎or unenforceable, such provision shall be severed to the extent necessary for the remainder to be ‎valid and enforceable.‎

Please note that this Privacy Policy applies only to our information-gathering, use, and ‎‎dissemination practices in connection with our Services. This Privacy Policy does not apply to ‎‎any of our information practices conducted separately by Alma outside of our Services or outside of the United States and Canada.‎

Personal Information Collected

We collect information from you in several ways, including when you choose to share ‎information with us by entering it through our Web site and by using automated processes. We ‎also collect information about your transactions with us, such as any information you submit to us ‎through our Services.‎ For example, we collect your contact information when you subscribe to a newsletter or to pose a question to us through our “contact us” page. 

Some of the information we collect identifies you personally (“Personal Information”), such as information you provide to Alma when contacting with us through a contact form or job application.  This information may include your first and last name, email address, zip code, location information, contact information, product information, the content of any message, health information, payment information including financial account numbers, mailing and billing addresses, ‎government identification numbers, policy numbers, dates of birth, Social Security numbers, among other identifiers, related to services we offer.‎ 

Automated Information Collection 

In addition to any information that you choose to submit to us via our Services, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with our Services (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your Device whenever you visit or interact with our web site. To the extent we associate Usage Information with your Personal Information we collect directly from you through our Services, we will treat it as Personal Information.

This Usage Information may include: 

  • your IP address, UDID or other unique identifier (“Device Identifier”). A Device Identifier is a number that is automatically assigned to your Device used to access our Services, and our computers identify your Device by its Device Identifier;
  • your Device functionality (including browser, operating system, hardware, mobile network information);
  • the URL that referred you to our Web site;
  • the areas within our Web site that you visit and your activities there, including remembering you and your preferences;
  • your Device location;
  • your Device characteristics; and
  • certain other Device data, including the time of day, among other information.

Tracking Technologies. We may use various methods and technologies to store or collect Usage Information (“Tracking Technologies”). Tracking Technologies may set, change, alter or modify settings or configurations on your Device. A few of the Tracking Technologies include, without limitation, the following (and subsequent technology and methods later developed):

  • Cookies. A cookie is a data file placed on a Device when it is used to visit our web site. HTML5 cookies can be programmed through HTML5 local storage.
  • Web Beacons. Small graphic images or other web programming code called web beacons (also known as “1×1 GIFs” or “clear GIFs”) may be included in our web site’s pages and messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to our Services, to monitor how users navigate our Services, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.
  • Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with our Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third-party service provider, is active only while you are connected to our Services and is deactivated or deleted thereafter.
  • Browser Fingerprinting. Collection and analysis of information from your Device, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification.
  • ETag, or Entity Tag. A feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, and/or HTML5 cookies.
  • Recognition Technologies. Technologies, including application of statistical probability to data sets, which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices in the same user).

Tracking Technologies Usage. We may use Tracking Technologies for a variety of purposes, including: 

  • Strictly Necessary. We may use cookies or other Tracking Technologies that we consider are strictly necessary to allow you to use and access our web site, including cookies required to prevent fraudulent activity and improve security.
  • Performance‑Related. We may use cookies or other Tracking Technologies that are useful in order to assess the performance of our Services, including as part of our analytic practices or otherwise to improve the content, products or services offered through our Services.
  • Functionality‑Related. We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing our Services, including identifying you when you sign‑in to our web site or keeping track of our specified preferences, including in terms of the presentation of content on our web site.
  • Targeting‑Related. We may use Tracking Technologies to deliver content relevant to your interests on our web site and third-party sites based on how you interact with our content. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.

You may be able to set your browser settings to use our web site without cookie ‎functionality. Please note that if you block cookies, some Web site functions and Services may ‎be unavailable and we will not be able to present personally-tailored content and ‎advertisements to you. Your browser may provide you with some options regarding ‎cookies. For more detailed information about how to disable or administer your ‎cookie settings in your web browser, please refer to the applicable page for the ‎browser you are using:‎

You can withdraw your consent to allow for cookies, change your browser settings, ‎and delete the cookies already stored on your computer at any time. Please note ‎that if you delete, or choose not to accept, cookies, you may not be able to utilize ‎the features of the services on our web site to their fullest potential.   ‎

Turning off third-party cookies

You can turn off certain third-party targeting/advertising cookies by visiting the ‎Network Advertising Initiative: https://optout.networkadvertising.org/?c=1 and by ‎visiting Google:‎ https://tools.google.com/dlpage/gaoptout‎.‎

Use of Collected Information

We may use the information that we collect from you, including Personal Information, to process transactions, and provide ‎the Services, products, services, and information to you.  We may use your information to process your ‎requests ‎and to provide you with information that may be of interest to you. We may anonymize or aggregate your ‎information for marketing and actuarial purposes. We may also use your information to process ‎your contact forms, applications, and to enable you to use certain Services features. We may also use the ‎information that we collect to customize your experience on our Services, to respond to customer service inquiries, to process your transactions with us, to better tailor our ‎offerings, to improve our Services and the content provided on and through our ‎Services, to provide customer support, to enforce our Terms of Use, to meet our legal obligations or to inform a legal proceeding, and to provide ‎you with content or advertisements that may be of interest to you. We may also use the ‎information we collect from you for additional purposes with your consent.‎

Sharing of Collected Information 

We may share the information that we collect from you, including Personal Information, with ‎third parties for a variety of purposes. For example, we may share information with service ‎providers who assist us in our business operations and assist with our provision of the Services to you. We may also share information where required ‎by law or to satisfy any applicable law, regulation, subpoena, government request, or other legal ‎process. We may also share information with third parties, including law enforcement, to protect ‎this Web site, to fight fraud and identity theft, to ensure the integrity and operation of our organization and systems, to protect the rights, property or safety of Alma, its employees, members or others, and to enforce our Terms of Use. We also ‎reserve the right to share the information that we collect with our subsidiaries and affiliates for ‎marketing and other business purposes and with any subsequent owner in the event of a merger, ‎consolidation, sale of our assets, or other change in our business, including during the course of ‎any due diligence process.‎

We will only use and disclose your health information as permitted by law.

Occasionally, Alma may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of our customers. 

When we share your personal information with third parties for business purposes, we take reasonable steps to ensure that these providers do not use or otherwise disclose any Personal Information we collect about you except for the purpose of fulfilling their service obligations to us. 

We may share aggregate information about Web site users with certain third parties. This information shows user activity as a whole rather than on an individual basis; such aggregate information cannot be reasonably used to individually identify you. We may use such aggregated information we collect about web site users to continue to improve our Services for you.

As permitted by law, we may disclose Personal Information, which may or may not include 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 Alma assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its use of your information, including any possible use of your Personal Information to the extent that any such information is transferred.

Other Web sites and Links

The Services contains links to other web sites and services that are not operated by Alma. Please note that when you click on a link to one of these sites, you are exiting our Services to go to another provider. Alma is not responsible for the content or privacy practices of these other services or web sites. We suggest that you read the privacy policies of these providers, as their practices and policies may differ from ours.

We may provide certain parts of our Services in association with third parties, such as ‎promotional partners or affiliates. These “co-branded areas” will identify the third party. If you ‎choose to use these co-branded areas, we may share your information with the identified third ‎party, and that third party may also collect information from you, in addition to the information ‎that we collect, as described above. You should review the privacy policies of those identified ‎third parties to understand how they collect and use information.‎

Analytic Services and Targeted Ads 

We use third-party analytics services, like Google Analytics, to collect, monitor and analyze data we collect through our Services to, for example better understand how our Web site is used and to improve its functionality.  These third-party analytics services may track details about your online activities over time and across different web sites.  These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.

The Google Analytics service tracks and reports web site traffic and provides us insight into behavior information relating to visitor age, gender and interests.  Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our web site. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings. 

These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics' currently available opt-outs for the web. 

If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personal Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and secure the Personal Information we collect online and we make good faith efforts to store your Personal Information in a secure operating environment. ‎ However, no data transmission over the Internet, mobile networks, wireless transmission or ‎electronic storage of information can be guaranteed 100% secure. Please note that we cannot ‎guarantee the security of any information you transmit to us.‎

Social Security Protection Policy Statement‎ 

It is our policy to protect the confidentiality of Social Security numbers (SSNs) ‎from ‎misuse ‎and ‎improper disclosure by maintaining and enforcing physical, ‎‎‎electronic, and procedural ‎‎safeguards. ‎We prohibit unlawful disclosure of ‎SSNs, and limit access to SSNs to our ‎personnel ‎who need ‎access to SSNs in ‎order to perform their job functions. We do not ‎disclose SSNs to ‎third parties ‎‎except where required or ‎‎permitted by law.‎

Canadian Fair Information Principles

Residents of Canada may make requests for additional information about the existence, use, and disclosure of their personal information and be given access to that information. If you are concerned about the accuracy or completeness of the information we process, you may request to access or correct the information we process about you.

Your California Privacy Rights

Residents of California may also, under §1798.83, known as the “Shine The Light” law, request ‎‎‎and obtain from us, once a year and free of charge, information about categories of personal ‎‎‎‎information (if any) we disclosed to third parties for direct marketing purposes and the names ‎‎‎and ‎addresses of all third parties with which we shared personal information in the immediately ‎‎‎preceding ‎calendar year.  If you are a California resident and would like to make such a request, ‎‎‎please submit your ‎request clearly in writing to us using the contact information provided below.‎

If you are a resident of California, you have additional rights under California law.  Please review ‎‎our California Consumer Privacy Act (CCPA) Privacy Policy here for ‎‎more information about additional rights under California law.‎

Your Privacy Rights under the Consumer Privacy Laws of Other States

If you are a resident of a state other than California, and you are a consumer of our products and services (as opposed to a commercial customer), you may have additional rights under applicable state law. Please review ‎‎our Multi-State Consumer Privacy Notice here for ‎‎more information about your additional rights under applicable state laws.‎

Children’s Privacy

The Web site and the Services are not intended to be used by children and is not directed toward children under the age of 18. Alma does not use the Web site to knowingly solicit data from or market to children under the age of 18. The Web site does not sell products for purchase by children. No person under 18 years of age should disclose information on the Web site. If you are under 18, you may use the Web site only with the involvement of a parent or guardian.

Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children privacy.

How to Contact Us

We appreciate your questions or comments about this Privacy Policy, our Services, or your dealings with Alma. Please reach out to us through our contact page: https://almainc.com/contact.

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