What This Policy Covers
Utility Hub LLC (“we,” “us,” “our”) operates various brands, including Utility Hub LLC, Bankrate, CNET, MYMove, Best Colleges, Lonely Planet, The Points Guy, and others. When we refer to our “Services,” we mean all the websites, applications, and products we provide through our brands and other channels.
This Privacy Policy outlines how we collect, use, and protect your personal data (also known as personal information). It also explains the security measures we take to safeguard your information and the choices available to you regarding your data. We encourage you to read this policy carefully.
We aim to make this Policy easy to understand, and in some sections, you can click for further details. Please note that all parts of this Policy apply to the full range of our Services. We may provide additional notices for specific Services or locations, and these should be read alongside this Policy.
Our Services may contain links to third-party sites. We do not control these sites, so we encourage you to review their privacy policies as well.
Our Services are not intended for individuals under the age of 16.
What Data Do We Collect, Use, and Share? (Summary)
This section provides our notice of collection as required by the California Consumer Privacy Act (CCPA). Over the past 12 months, we have disclosed personal data for the following business or commercial purposes:
Categories of Personal Information and Purpose for Collection:
• Personal Identifiers: Includes your name, postal address, email address, phone number, online identifiers, IP address, account name, and sensitive information such as social security numbers or financial details.
Purpose of Collection:
1. Providing Services & Fulfilling Requests:
- Registering and securing accounts
- Communicating with you
- Verifying your identity and eligibility
- Assisting with pricing and product selection
- Processing transactions
- Personalizing your experience
- Customer service and support
- Data rights requests fulfillment
- Enabling social sharing tools
2. Improving & Promoting Services:
- Conducting market research and analysis
- Running surveys and sweepstakes
- Developing and improving products
- Sending service updates and promotional messages (email, social media, push notifications)
- Targeting ads based on user interests
- Offering location-based promotions (with consent
3. Operating Our Business:
- Securing our operations and preventing fraud
- Generating internal or external reports
- Complying with legal requirements
- Conducting audits
- Protecting business interest
Categories of Personal Information Collected:
- Protected Classification Characteristics: Age, race, national origin, marital status, and sex (sensitive information)
- Commercial Information: Products or services purchased, consumption history, and preferences
- Internet/Network Activity: Browsing history, search history, interaction with sites
- Geolocation Information: Derived from device signals, precise location (sensitive data)
- Audio/Visual Information: Audio or screen recordings (with your consent)
- Inferences: Data used to create user profiles or predict preferences
Disclosure of Data:
We do not sell, rent, or lease your personal information. However, with your consent or as permitted by law, we may share your data with third-party providers, including social media platforms, analytics services, and advertising companies, which may be considered a “sale” under certain laws.
Data Retention:
We retain your data for as long as necessary to provide Services, comply with legal obligations, or fulfill business purposes. Once the data is no longer needed, we securely delete it.
Children’s Data:
Our Services are not intended for children under 16. We do not knowingly collect personal data from individuals under this age without verifiable parental consent. If we discover that we have collected such data, we will take steps to remove it.
How Do We Collect Data?
We gather data in the following ways:
- Directly from You: When you interact with our Services (e.g., name, email).
- Automatically: Through your use of our Services (e.g., IP address).
- From Third Parties: To help us run our Services.
- By Inferring Information: Based on the data we collect.
How Do We Use Your Data?
Your data is used to:
- Provide Services and fulfill requests
- Enhance and promote our Services
- Ensure the security and operation of our business
Cookies and Tracking Technologies:
We use cookies and similar technologies on our websites. These tools help us identify returning visitors, store data, and tailor advertising. You can disable cookies through your browser settings, but some features of our Services may not work without them. Please read our Cookie Policy for more information.
Sharing Your Data:
We may share your data with third parties to provide our Services, run our business, and comply with legal obligations. This may include sharing with service providers, business partners, or as required by law.
Social Features:
Some Services allow you to interact with third-party social media platforms (e.g., Facebook, Instagram, Google, etc.). If you use these features, both we and the social platform may collect data about your interactions. Legal Basis for Data Use:
We collect and use your data based on the following grounds:
- Your consent
- Fulfilling contracts or taking steps towards forming contracts
- Legal obligations
- Legitimate business interests
Data Retention Period:
We retain your data only for as long as necessary to provide Services and comply with legal or contractual obligations. Once we no longer need your data, we will securely delete it.
Data Security:
We take extensive measures to protect your data. However, no method of transmitting or storing data is entirely secure, and we cannot guarantee complete protection. Sharing data is done at your own risk.
How Can You Control Your Data?
You have the right to manage your data. Depending on the jurisdiction, you may have options to:
- Opt-out of certain data uses (e.g., marketing emails)
- Request access to, correction, or deletion of your data
- Withdraw consent where applicable
Please note that we may need proof of identity to process your requests.
Complaints:
If you have concerns, please give us the opportunity to address them. You can contact us at the details below. You may also raise complaints with your local data protection authority.
Contact Us:
If you have any questions or wish to submit a complaint, please reach out to us:
• Email: fiberinternetnearme.shop
Changes to This Policy:
We may occasionally update this Privacy Policy. We will notify you by posting the updated policy on our website, and any significant changes will be communicated directly to you. Updates apply to data collected after the publication of the new policy.
Accessibility:
Utility Hub LLC is committed to creating accessible digital products. If you need accommodations or wish to report an accessibility issue, please contact us.
Who we are
Suggested text: Our website address is: https://finaxio.themeori.com.
Comments
Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
Suggested text: If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Suggested text: Visitor comments may be checked through an automated spam detection service.
