Privacy
and terms
Effective Date: September 1, 2024
Centure Financial (“we,” “our,” “us”) values its users’ privacy. This Privacy Policy (“Policy”) will help you understand how we collect, use, and protect personal information from those who visit our website or make use of our online facilities and services. Our Policy has been designed and created to ensure our commitment to meet and exceed existing privacy standards.
Changes to This Policy
We reserve the right to update this Policy at any given time. To ensure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time Centure Financial decides to use any personally identifiable information on file in a manner vastly different from that which was stated when this information was initially collected, we will promptly notify you by email. At that time, you will have the option to permit or refuse the use of your information in this new manner.
Scope of This Policy
This Policy applies to Centure Financial and governs any and all data collection and usage by us. By using [www.centurefinancial.com](http://www.centurefinancial.com/), you consent to the data collection procedures expressed in this Policy.
Please note that this Policy does not govern the collection and use of information by companies that Centure Financial does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. We strongly encourage you to review the privacy policies of any website you choose to use or frequent to better understand how those websites collect, use, and share information.
Information We Collect
It is always up to you whether to disclose personally identifiable information to us. However, if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:
• Voluntarily Provided Information: This may include your name, address, email address, billing and/or credit card information, and other information you provide when purchasing products and/or services or engaging with our offerings.
• Automatically Collected Information: We may collect information automatically, such as cookies, third-party tracking technologies, and server logs, when you visit our website.
• Non-Personal Information: Centure Financial may collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race, religion, browser type, IP address, or operating system. This information assists us in providing and maintaining superior service.
Centure Financial may also monitor the websites our users frequent to better understand the types of services and products that may be most popular.
Use of Collected Information
Centure Financial does not sell, rent, or lease any of its customer lists or names to third parties.
We may use personal information to:
• Assist in the operation of our website and ensure delivery of the services you request.
• Keep you informed of other products or services that may be available from www.centurefinancial.com, with your consent.
• Conduct surveys and/or research questionnaires related to your opinion of current or potential future services, with your consent.
• Provide personalized services based on your online behavior and preferences.
Disclosure of Information
Centure Financial may disclose your information under the following circumstances:
• As necessary to provide services or products you have ordered.
• In ways described in this Policy or to which you have otherwise consented.
• In the aggregate with other information in such a way that your identity cannot reasonably be determined.
• As required by law, or in response to a subpoena or search warrant.
• To outside auditors who have agreed to keep the information confidential.
• As necessary to enforce our Terms of Service.
• As necessary to protect the rights and property of Centure Financial.
Security of Your Information
Centure Financial takes precautions to protect your information. We use encryption to protect sensitive information transmitted online, and we protect your information offline as well. Only employees who need the information to perform a specific job (e.g., billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment, preventing loss, misuse, unauthorized access, disclosure, or modification.
Data Retention
The data we collect from you will be stored only for as long as necessary. The length of time we retain information will depend on:
• The relevance of your personal information.
• The need to maintain records to demonstrate our duties and obligations.
• Any limitation periods for making claims.
• Legal or regulatory retention periods.
• The type of contract we have with you.
• The existence of your consent.
• Our legitimate interest in retaining the information as outlined in this Policy.
Non-Marketing Purposes
Centure Financial may contact you for non-marketing purposes (e.g., bug alerts, security breaches, account issues, changes in Centure Financial products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.
Children’s Privacy
Centure Financial’s website is intended for use by individuals aged 18 and over. We do not knowingly collect personal identifiable information from children under 13. If we discover that such information has been inadvertently collected, we will immediately take steps to delete it or obtain verifiable parental consent.
International Data Transfers
Centure Financial’s operations are primarily located in the United States. If you provide information to us, it will be transferred to the United States. By providing personal information, you consent to its storage and use as described in this Policy. For data transfers from the European Union, Centure Financial complies with applicable data protection laws and safeguards, including the use of Standard Contractual Clauses (SCCs).
Your Rights and Choices
All users and visitors to our website have the option to discontinue receiving communications from us by sending an email to [contact@centurefinancial.com](mailto:contact@centurefinancial.com). To unsubscribe or opt-out from any third-party websites, you must go to that specific website to manage your preferences. Centure Financial will continue to adhere to this Policy with respect to any personal information previously collected.
Links to Other Websites
Our website contains links to affiliate and other websites. Centure Financial does not accept responsibility for the privacy policies, practices, or procedures of other websites. We encourage you to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy applies only to the information collected by our website.
Acceptance of Terms
By using this website, you accept the terms and conditions stipulated within this Privacy Policy. If you do not agree with our terms and conditions, please refrain from further use of our site. Continued use of our website following any updates or changes to this Policy indicates your acceptance of such changes.
Contact Us
If you have any questions or concerns regarding this Privacy Policy, please contact us at:
Email: [contact@centurefinancial.com](mailto:contact@centurefinancial.com)
Telephone Number: 442-202-7129
Mailing Address: Centure Financial, San Diego, CA 92101
Terms & Conditions
no. 02
Privacy Policy
no. 01
Effective Date: September 1, 2024
Welcome to [www.centurefinancial.com](http://www.centurefinancial.com/) (the “Website”). These Terms and Conditions (“T&C”) govern your use of our Website and any services provided by Centure Financial (“we,” “our,” “us”). By accessing or using the Website, you agree to be bound by these T&C. If you do not agree with these T&C, you must not use this Website.
1. Use of the Website
1.1 Eligibility: By using this Website, you confirm that you are at least 18 years old and have the legal capacity to enter into binding agreements.
1.2 Permitted Use: You may use the Website for lawful purposes only. You agree not to use the Website in a way that could harm Centure Financial, its clients, or any third parties.
1.3 Prohibited Activities: You agree not to:
• Violate any applicable laws or regulations.
• Post or transmit any material that is unlawful, harmful, threatening, defamatory, or otherwise objectionable.
• Use the Website to engage in fraudulent activities or impersonate any person or entity.
• Interfere with the operation of the Website or gain unauthorized access to its systems.
• Attempt to decompile, reverse engineer, or disassemble any software or other products or processes accessible through the Website.
1. Intellectual Property
2.1 Ownership: All content on the Website, including text, images, logos, graphics, and software, is the property of Centure Financial or its content suppliers and is protected by U.S. and international copyright laws.
2.2 License: Centure Financial grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works from any content on the Website without our express written permission.
2.3 Trademarks: All trademarks, service marks, and trade names appearing on the Website are the property of Centure Financial or their respective owners. Unauthorized use of any trademarks displayed on the Website is strictly prohibited.
2.4 Copyright Infringement: Unauthorized copying, distribution, modification, or public display of any copyrighted material from the Website, including text, images, layout, design, or any other proprietary information, is strictly prohibited. Centure Financial reserves the right to take legal action against any individual or entity that infringes on its intellectual property rights.
1. Disclaimer of Warranties
3.1 As-Is Basis: The Website and all content, services, and products provided through it are provided on an “as-is” and “as available” basis. Centure Financial makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website.
3.2 No Warranty: To the fullest extent permitted by law, Centure Financial disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.
1. Limitation of Liability
4.1 Exclusion of Damages: To the fullest extent permitted by law, Centure Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, data loss, or business interruption, arising out of or in connection with your use of or inability to use the Website.
4.2 Cap on Liability: In no event shall Centure Financial’s total liability to you for all claims arising under these T&C exceed the amount you have paid, if any, to access the Website.
1. User Accounts
5.1 Account Creation: To access certain features of the Website, you may be required to create a user account. You agree to provide accurate and complete information when creating your account and to keep this information up to date.
5.2 Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Centure Financial immediately of any unauthorized use of your account.
1. Privacy
6.1 Privacy Policy: Your use of the Website is also governed by our Privacy Policy, which is incorporated by reference into these T&C. Please review our Privacy Policy to understand our practices regarding your personal information.
1. Third-Party Links
7.1 External Links: The Website may contain links to third-party websites or services that are not owned or controlled by Centure Financial. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party websites at your own risk.
1. Indemnification
8.1 Indemnity: You agree to indemnify, defend, and hold harmless Centure Financial, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or in connection with your use of the Website, your breach of these T&C, or your violation of any law or the rights of a third party.
1. Termination
9.1 Termination by Centure Financial: Centure Financial reserves the right, in its sole discretion, to terminate or suspend your access to all or part of the Website, with or without notice, for any reason, including but not limited to your breach of these T&C.
9.2 Effect of Termination: Upon termination, your right to use the Website will immediately cease, and all licenses granted to you under these T&C will terminate.
1. Governing Law and Dispute Resolution
10.1 Governing Law: These T&C and any disputes arising out of or related to them or the Website shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
10.2 Jurisdiction: Any legal action or proceeding arising under these T&C will be settled exclusively in the state or federal courts located in San Diego, California. You consent to the jurisdiction and venue of these courts and waive any objection to such jurisdiction or venue.
10.3 Dispute Resolution: Any disputes arising under these T&C shall be resolved through binding arbitration in San Diego, California, in accordance with the rules of the American Arbitration Association. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
1. Changes to the T&C
11.1 Modifications: Centure Financial reserves the right to modify these T&C at any time. We will notify you of any changes by posting the new T&C on the Website. Your continued use of the Website after the changes take effect constitutes your acceptance of the revised T&C.
1. Miscellaneous
12.1 Entire Agreement: These T&C, together with the Privacy Policy and any other legal notices published by Centure Financial on the Website, constitute the entire agreement between you and Centure Financial concerning your use of the Website.
12.2 Severability: If any provision of these T&C is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
12.3 No Waiver: No waiver of any term of these T&C shall be deemed a further or continuing waiver of such term or any other term, and Centure Financial’s failure to assert any right or provision under these T&C shall not constitute a waiver of such right or provision.
1. Contact Information
If you have any questions about these T&C, please contact us at:
Email: [contact@centurefinancial.com](mailto:contact@centurefinancial.com)
Telephone Number: 442-202-7129
Mailing Address: Centure Financial, San Diego, CA 92101
Terms & Conditions
no. 02
Privacy Policy
no. 01
