Privacy Policy

We partner with Thomson Reuters, who might also collect data as part of our marketing efforts. To learn more about the Thomson Reuters privacy policy and the data that might be collected, please visit: Thomson Reuters Privacy Statement.

This privacy policy (the “Policy”) is intended to inform you of the types of information Borders& Gerace (“we” or “us”) collects, as well as our policies and practices regarding the collection, use, and disclosure of that information through the web pages at https://www.ohiobankruptcyoptions.com (the “Site”).

Please read this Policy carefully, because by using the Site, you are acknowledging that you understand and agree to the terms of this Policy, and consent to the manner in which we may collect, use and disclose the foregoing information. If you do not agree to the terms of this Policy, please do not use the Site.

We reserve the right to change the provisions of this Policy at any time. We will alert you that changes have been made by indicating on the Policy the date it was updated. We encourage you to review this Policy from time to time to make sure that you understand how any Personal Information you provide will be used. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes.

This Policy applies solely to information collected by the Site. It will notify you of the following:
What Information Do We Collect?
How Do We Use Your Information?
Do We Share Your Information?
Your Privacy Rights — Access to and Control Over Information
How to Opt-Out of Targeted Advertising
Does This Policy Apply to Other Websites Linked To Or From the Site?
Do We Collect Information From Children Under the Age of 13?
What Steps Do We Take To Protect Your Information?
What Information Do We Collect?

• Personal Information You Provide to Us – We only have access to and collect
personal information (such as your name, date of birth, social security number,
credit card number, mailing or billing address, telephone number, or email address,
and email preferences (collectively, “Personal Information”) that you voluntarily
give us via email or other direct contact from you. We will not sell or rent your
Personal Information to anyone. We are the sole owners of the Personal Information
collected on this Site.

• Information Collected by Automated Means – Whenever you use the Site, we, as
well as any of our third-party advertisers and/or service providers, may use a variety
of technologies that automatically collect information about how the Site is
accessed and used (“Usage Information”). Usage Information may include, in part,
browser type, operating system, the page served, the time, how many users visited
the Site, and the website you visited immediately before the Site. This statistical
data provides us with information about the use of the Site, such as how many
visitors visit a specific page on the Site, how long they stay on that page, and which
hyperlinks, if any, they “click” on. Usage Information helps us to keep the Site fresh
and interesting to our visitors and to tailor content to a visitor’s interests. Usage
Information is generally non-identifying, but if we associate it with you as a specific
and identifiable person, we treat it as Personal Information.

• Device Identifiers – In the course of collecting Usage Information we may also
collect your IP address, MAC Address or other unique identifier (each a “Device
Identifier”) for the computer, mobile device, Wi-Fi card, or other technology
(collectively, “Device”) you use to access the Site. A Device Identifier is a number
that is automatically assigned to your Device when you access a web site or its
servers. Our computers identify your Device by its Device Identifier. When you
visit the Sites, we may view your Device Identifier. We use this information to
identify repeat visitors to our Site. We also may use this information to send you
targeted advertisements and to enhance the Site. We may associate your Device
Identifier with your Personal Information.
The technologies used on the Site, including Device Identifiers, to collect Usage Information
may include, without limitation:

• Cookies – Cookies are data files placed on a Device when it is used to visit the Site.
We may use cookies to collect and store certain information about you. We may use
both session cookies (which expire once you close your web browser) and persistent
cookies (which stay on your computer until you delete them).

• Web Beacons – We may also include web beacons (also known as web bugs,
Internet tags, pixel tags, tracking pixels and clear GIFs) with the content and ads
that we deliver to you, which we will use to collect information regarding your
interaction with our content and ads. A web beacon is a transparent graphic image
placed on a web page or in an email, which indicates that a page or email has been
viewed or that an email has been forwarded. In addition, a web beacon allows third
parties to obtain information such as the IP address of the computer that
downloaded the page on which the beacon appears, the URL of the page on which
the beacon appears, the time the page containing the beacon was viewed, the type of
browser used to view the page, and the information in cookies set by the third party.
A web beacon may also tell your browser to get content from another server.
Cookies and web beacons (together, “Site Cookies”) may enable us to track and target the
interests of our users to enhance the experience on our Site, track user actions/behavior on our
Site and track the effectiveness of ads.

ReachLocal

We also work with a company called ReachLocal, which assists us in advertising our products
and/or services. One of the products that we may purchase from ReachLocal is a retargeting
product, which enables ReachLocal to show you advertisements for our Site when you visit other
sites in the ReachLocal network or in third-party networks. ReachLocal is able to do this through
the use of cookies that are provided by ReachLocal through its third-party partners (“Advertising
Cookies”). The sole use of the Advertising Cookies is to show you advertisements for our Site;
they are not being used to target you in any other way. Moreover, ReachLocal does not link or
otherwise connect the information in the Advertising Cookies to any Personal Information that
you may have provided.

Please note that ReachLocal retains the ability to access all information that is retained in the
ReachLocal Platform for purposes of quality assurance and campaign assessment.
If you have any questions regarding ReachLocal and/or the Advertising Cookies, you are
encouraged to contact ReachLocal at [email protected].

Analytics

We use two products to analyze activity on our site. We use ReachLocal’s tracking technology
and/or Google Analytics to understand how users use our site so as to enhance the user
experience on our Site. If you wish to opt-out of ReachLocal’s tracking technologies, go
to http://www.reachlocal.com/trackingopt-out, and if you wish to opt-out of Google Analytics,
go to https://tools.google.com/dlpage/gaoptout?hl=en-GB.

How Do We Use Your Information?

We will use your information to respond to you regarding the reason you contacted us. We will
also use your information as follows:

• Registration – A user may need to first complete a registration form in order to use
the Site. During registration, a user is required to give certain information (such as
name and email address). This information is used to contact you about the
products/services on our Site in which you have expressed interest. At your option,
you may also provide demographic information (such as gender or age) about
yourself, but it is not required.

• Orders – We may request information from you on our order form. To buy from us,
you must provide contact information (like name and shipping address) and
financial information (like credit card number, expiration date). This information is
used for billing purposes and to fill your orders. If we have trouble processing an
order, we will use this contact information to contact you.

• Surveys and contests – From time-to-time, our Site may request information via
surveys or contests. Participation in these surveys or contests is completely
voluntary and you may choose whether or not to participate and therefore disclose
this information. Information requested may include contact information (such as
name and shipping address), and demographic information (such as zip code, age
level). Contact information will be used to notify the winners and award prizes.
Survey information will be used for purposes of monitoring or improving the use
and satisfaction of this Site.

• Customer Service – Unless you ask us not to, we may contact you via email in the
future to tell you about specials, new products or services, or changes to this Policy.

• Chat – Our Site may use chat functionality to enable direct communication with you
through our Site. We will primarily use such information to assess your needs and
to gain your contact information so that we may contact you to further discuss our
products and/or services.

Do We Share Your Information?

We will not trade, rent, share or sell your Personal Information to third parties unless you ask or
authorize us to do so.

Unless you ask or provide your consent to do so, we will not share your Personal Information
with any third party outside of our organization, other than with our service providers, including
as necessary to fulfill your request, e.g. to ship an order. Only employees who need the Personal
Information to perform a specific job (for example, billing or customer service) are granted
access to Personal Information. The computers/servers in which we store Personal Information
are kept in a secure environment.

We may share aggregated demographic information with our partners and advertisers. This is not
linked to any Personal Information that can identify any individual person.
We will disclose Personal Information when we believe in good faith that such disclosures (a)
are required by law, including, for example, to comply with a court order or subpoena, or (b) will
help to: enforce our policies; enforce contest, sweepstakes, promotions, and/or game rules;
protect your safety or security, including the safety and security of property that belongs to you;
and/or, protect the safety and security of our Site or third parties. In addition, if Borders &
Gerace or all of its assets are acquired, all of the data collected by us through the Site and
through other means and services provided by us would be among the transferred assets.

Your Privacy Rights — Access to and Control Over Information

We offer you choices regarding the collection, use, and sharing of your Personal Information. If
you receive promotional communications from us, you may indicate a preference to stop
receiving further promotional communications from us and you will have the opportunity to
“opt-out” by following the unsubscribe instructions provided in the promotional email you
receive or by contacting us directly at the email address or phone number given on our Site. We
do not charge for this service, and your opt-out request will be processed within 30 days of the
date on which we receive it.

You can do the following at any time by contacting us via the email address or phone number
given on our Site:
• See what data we have about you; if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Notify us if you do not want us to share your Personal Information for marketing
and promotional purposes.

How to Opt-Out of Targeted Advertising

You can set most web browsers to notify you if you receive a cookie, or you may choose to
block cookies, though either of those actions may affect the use of our Site. If you prefer to not
receive targeted advertising, you can opt out of some network advertising programs that use your
information. To do so please visit the Digital Advertising Alliance (DAA) Opt-Out
Page: http://www.aboutads.info/choices/. Please note that even if you choose to remove your
information (via opting out), you will still see advertisements while you are browsing online.
However, the advertisements you see may be less relevant to you and your interests.
Additionally, many network advertising programs allow you to view and manage the interest
categories they have compiled from your online browsing activities. These interest categories
help determine the types of targeted advertisements you may receive. The DAA Opt-Out Page
provides a tool that identifies its member companies that have cookies on your browser and
provides links to those companies’ pages where you can opt-out of receiving targeted
advertisements from companies.

While the Site does not currently respond to ‘Do Not Track’ signals submitted by your browser,
you can opt out of any of the Advertising Cookies at any time by simply
visiting http://www.reachlocal.com/opt-out to adjust your preferences on placement of
Advertising Cookies currently used in connection with ReachLocal’s remarketing product. You
can also find out more about your ‘Do Not Track’ options by visiting http://www.allaboutDNT.com.

Does This Policy Apply to Other Websites Linked To Or From the Site?

The Site may contain links to other websites. Any Personal Information you provide on linked
pages or sites is provided directly to that third party and is subject to that third party’s privacy
policy. This Policy does not apply to such linked sites, and we are not responsible for the content
or privacy and security practices and policies of these websites or any other sites that are linked
to or from the Site. We encourage you to learn about their privacy and security practices and
policies before providing them with Personal Information.

Do We Collect Information From Children Under the Age of 13?

The Site is not intended for use by children under the age of 13, and Borders & Gerace does not
knowingly collect or use any Personal Information from such children. If we become aware that
we have unknowingly collected Personal Information from a child under the age of 13, we will
make commercially reasonable efforts to delete such Personal Information from our database.

What Steps Do We Take To Protect Your Information?

We take measures designed to protect your Personal Information in an effort to prevent loss,
misuse, and unauthorized access, disclosure, alteration, and destruction. We provide physical,
electronic, and procedural safeguards to protect Personal Information we process and maintain.
Please be aware, however, that despite our efforts, no security measures are perfect or
impenetrable and no method of data transmission can be guaranteed against any interception or
other types of misuse. To protect the confidentiality of Personal Information maintained in your
account, you must keep your password confidential and not disclose it to any other person. You
are responsible for all uses of the Site by any person using your password. Please advise us
immediately if you believe your password has been misused.

Miscellaneous

This Policy and the privacy practices of Borders & Gerace will be subject exclusively to the laws
of the State of Ohio in the United States. Borders & Gerace makes no representation that this
Policy and our practices comply with the laws of any other country or jurisdiction. Users of the
Site who reside outside the United States do so on their own initiative and are responsible for
compliance with local laws, if and to the extent local laws are applicable. If you reside outside of
the United States, by using the Site, you consent to the transfer, processing, and use of your
information outside of your country.

Questions?

If you have any questions about this Policy, please contact us at 3401 Enterprise Place, Suite
340, Beachwood, OH 44122, or call us at 216-435-5668.