INTRODUCTION

PSCU (hereinafter, "PSCU" or "we," "us," or "our"), created this privacy policy (this "Privacy Policy") to demonstrate our firm commitment to the privacy and protection of your information. This policy covers how PSCU and its subsidiaries manage information that may be used to identify you directly or indirectly ("Personal Information") that you submit, or that we collect and receive on our website at www.pscu.com, together with any other websites and mobile applications owned, operated, or controlled by us (referred to herein individually and collectively as the "Website"). We provide access to the Website and any online services (referred to herein, individually and collectively, as the "Services") to you, subject to the following conditions and other agreed-upon terms related to the relevant Services.

For the purposes of this Privacy Policy, PSCU is a controller (i.e., responsible party) for the practices described in this Privacy Policy. Additionally, this Privacy Policy does not apply to the extent we process Personal Information in the role of a processor or service provider, as applicable, on behalf of our business customers. For information about the privacy practices of a PSCU business customer (or its affiliates), please visit the respective business customer's website or contact the business customer directly. We are not responsible for the privacy or data security practices of our business customers, which may differ from those set forth in this Privacy Policy.

California Consumer Notice of Collection and Consumer Notice of Collection in US States with Comprehensive Privacy Laws (collectively, "States")

This Notice of Collection is provided to all California and U.S. States’ consumers subject to this Privacy Policy. You can access the specific topics, as follows, within this Privacy Policy:

INFORMATION COLLECTION AND USAGE

The types of Personal Information that we may collect depend on which of our Services you are utilizing and how you interact with us. We may collect, or have collected in the preceding twelve months, the following categories and specific types of Personal Information:

The provision of the Sensitive Personal Information listed above is voluntary. In certain instances, we will not be able to provide access to our Services without the requested Personal Information.

SOURCES OF PERSONAL INFORMATION

We may collect, or have collected in the preceding twelve months, your Personal Information in the following ways, in accordance with applicable law:

HOW WE USE YOUR PERSONAL INFORMATION

We may collect, or have collected in the preceding twelve months, your Personal Information for the following purposes:

Providing our Services
Communicating With You
Analytics and Administration of Website
Core Business Functions
Legal Obligations
Security and Fraud Prevention
Use of Your Sensitive Personal Information

If you are no longer using our Services, we may continue to store and protect your Personal Information pursuant to this Privacy Policy, and as required or permitted by applicable law.

INFORMATION SHARING AND DISCLOSURE

We may disclose, or in the past twelve months have disclosed, the Personal Information described above in the following limited circumstances for business purposes:

We do not sell, rent, lease or "share" (as the term is defined in applicable law) your Personal Information to third parties except if you consent to such disclosure or as described in this Privacy Policy.

We reserve the right to disclose Personal Information about you or your use of the Website/Services without your prior permission if we have a good faith belief that such action is necessary to: (i) protect and defend the rights, property or safety of us, our affiliates, other users of this Website or the public; (ii) enforce the terms for our Services; or (iii) respond to claims that any content violates any law or the rights of third parties.

Our [U.S. Consumer Privacy Notice] describes how we share non-public personal information with our affiliates and third parties.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We have reasonable and appropriate technical and organizational measures in place to protect against the loss, misuse and alteration of your Personal Information under our control. We have taken reasonable steps to confirm the Personal Information is retained in secure facilities and that reasonable measures have been implemented for protection from unauthorized access. The measures we use are designed to provide a level of security appropriate to the risk of processing your Personal Information. For instance, this Website utilizes the latest industry-standard encryption technology to protect Personal Information.

While we strive to use industry-standard means to protect your Personal Information, no method of transmission over the internet is 100% secure. We ask that you do your part by maintaining any usernames and passwords you use to access the internet or this Website as strictly confidential.

EMAIL SECURITY

If you received an email from us, (a) your e-mail address is either listed with us as someone who has expressly shared this address for the purpose of receiving communications from us in the future ("opt-in"), or (b) you have registered, have an existing relationship with us, or are using our Services. We respect your time and attention by controlling the frequency of our emails.

You may opt out of receiving marketing emails from us at any time by clicking the "Unsubscribe" link at the bottom of any marketing email you receive or by contacting us directly at marketing@pscu.com. To opt out of operational emails, please contact us directly at marketing@pscu.com.

COOKIES AND OTHER TRACKING TECHNOLOGIES

When you visit our Website, our Website's web server automatically collects information, including, in some instances, Personal Information, through cookies, web beacons and other similar tracking technologies (collectively referred to throughout this Privacy Policy as "cookies"). Cookies are small text files that are placed on your computer or mobile device when you visit a website. Cookies help the website remember information about your visit, which can make it easier to visit the website again and make the website more useful to you. Some cookies are deleted once you close your browser (session cookies), while other cookies are retained even after you close your browser so that you can be recognized when you return to a website (persistent cookies).

Cookies on our Website are generally divided into the following categories:

Cookie Type

Description

Essential Cookies

These are cookies that our Website needs in order to function and that enable you to move around and use the Website and features. Without these essential cookies, the Website will not perform as smoothly for you as we would like it to, and we may not be able to provide the Website or certain services or features you request. Examples of where these cookies are used include: to determine when you are signed in, to determine when your account has been inactive, and for other troubleshooting and security purposes.

Analytics Cookies

Analytics cookies provide us with information regarding how visitors navigate and interact with our Website. Such cookies allow us to understand, for example, more about how many visitors we have to our Website, how many times they visit us and how many times a user viewed specific pages within our Site. Among other analytics cookies, we use Google Analytics cookies for these purposes. For more information about Google Analytics, please refer to "How Google Uses Information From Sites or Apps that Use Our Services," which can be found at www.google.com/policies/privacy/partners/, or any other URL Google may provide from time to time.

To learn how to opt-out of Google Analytics, an Analytics cookie, please visit https://tools.google.com/dlpage/gaoptout.

We may use the information collected through cookies for the following purposes:

Most web browsers automatically accept cookies, but you can usually change your browser settings to prevent this. If you disable cookies, your ability to use some features of the Website may be limited. For mobile devices, you may be able to manage certain cookies using your built-in mobile device settings and controls. Any choices concerning cookies are browser and/or device specific. If you clear your cookies from your browser on any of your devices, your choices will need to be reset. You should check how to do this on your device(s) and operating systems.

Some cookie providers may also offer opportunities to control your preferences.

Some of these cookies may be placed by third-party service providers to help determine the effectiveness of our Website or email communications. The use of cookies by third-party service providers is within their control and not ours. We do not control their websites or their policies and practices regarding your Personal Information, and you should be aware that different rules might apply to the collection, use or disclosure of your Personal Information by third-parties in connection with their advertisements or promotions and other sites you encounter on the Internet. This Privacy Policy does not cover any use of Personal Information that a third-party service provider may directly collect from you, and we do not undertake to confirm, investigate, or police their practices.

LINKED THIRD-PARTY SITES

We may provide links to other third-party websites through the Services solely as a convenience to you. However, such linking does not mean, and should not be interpreted to mean, that PSCU endorses, is affiliated with or makes any representations concerning such third-party websites. PSCU neither reviews, controls, nor is responsible for these third-party sites or any content therein. By using such links, you will leave the Website and will no longer be accessing the Services. If you decide to access any of the third-party sites linked to the Services, you do so entirely at your own risk. PSCU shall not be liable for any consequences arising from use of any third-party websites to which the Services link.

DATA RETENTION

How long we retain your Personal Information depends on the context in which, and purposes for which, we collected it. We generally retain Personal Information for as long as necessary for achieving the purposes for which it was collected or processed unless a different retention period is required by applicable law.

RIGHTS RELATED TO YOUR PERSONAL INFORMATION

Depending on where you live and the types of Personal Information at issue, you may have certain rights with respect to your Personal Information. For example, under applicable state laws, including those in the California, you may have the rights listed below. Please note that many of these rights are subject to exceptions and limitations. For example, certain laws generally do not apply to Personal Information that you provide to us while acting in your professional capacity.

If you choose to assert any of these rights available under applicable laws, we will respond within the time period prescribed by applicable law. Please note that many of the above rights are subject to exceptions and limitations. If we are not able to provide the requested information or make the change you requested, you will be provided with the reasons for such decisions. You may be entitled to lodge a complaint with your local data protection authority or your state Attorney General's Office.

Your rights and our responses may vary based on your state of residency. Please note that you may be located in a jurisdiction where we are not obligated, or are unable, to fulfill a request. In such a case, your request may not be fulfilled.

We may require use of your Personal Information to provide access to the Services. Therefore, when you exercise your deletion right, in particular, you may lose access to certain aspects of the Services that require your Personal Information.

Rights Request and Verification Process

Only you, or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information. If you designate an authorized agent to submit a request to exercise certain privacy rights on your behalf, we will require verification that you provided the authorized agent permission to make a request on your behalf. Our verification processes may vary and, for example, could require your provision of a copy of the signed permission you have given to the authorized agent to submit the request on your behalf and verify your own identity directly with us.

Except where otherwise provided under applicable law, you may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request should:

Our verification process may also include a request for additional information to confirm your identity or your authorized agent's identity (such as your name, email address and date of birth) or to obtain proof that you have given your authorized agent permission to act on your behalf. If our verification process is successful, we will respond to your request within the time and in the manner required by applicable law. If we cannot validate the identity of you and/or your authorized agent or obtain proof that you have given your authorized agent permission to act on your behalf, we will attempt to contact you to inform you.

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm that the Personal Information relates to you. We will only use Personal Information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We will deliver our written response by mail or electronically, at your option. However, if you do not select an option we generally will respond by email unless required by other applicable law. You still always have the option to request a written response that can be received by U.S. Mail. Any information we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance, such as by electronic mail communication. Further, if you would like to appeal any decision we make about your request, you may contact us as stated in the "Contact Information" section below.

To exercise these rights, please submit a verifiable consumer request to us by either:

CHILDREN

Our Website/Services are not directed toward children under the age of thirteen, and we do not knowingly collect any Personal Information from children under the age of thirteen. If a child provided us with Personal Information, we ask that a parent or guardian send us a written request to the address listed below and we will promptly delete the child's Personal Information from our records.

PRIVACY POLICY CHANGES

PSCU is always improving our Website/Services and, as these evolve, we reserve the right to update or amend this Privacy Policy at any time for any reason.

You may learn of changes to this Privacy Policy by viewing the "Last Updated" date of this Privacy Policy. Any changes or modifications will be effective immediately upon posting the updated Privacy Policy and you acknowledge you will not receive specific notice of each change or modification. You are encouraged to periodically review this Privacy Policy to stay informed of the updates.

CONTACT INFORMATION

If you have any questions regarding this Privacy Policy, you may contact us via the channels provided below:

PSCU
560 Carillon Parkway
St. Petersburg, FL 33716

1-844-474-7728
VeleraPrivacyOffice@pscu.com

Last Update Effective: August 7, 2024