Tensor.Exchange, a British Virgin Islands (BVI) corporation (“we,” “us,” “our” or the “Company”) collects information about you (collectively, the “Information”), as further described below, when you use our website (Tensor.Exchange), including mobile applications and other online products and services, and through other interactions and communications you have with us (collectively, the “Services”). This Privacy Policy Statement (“Privacy Policy”) applies to you, as a user of our Services (“you”) and is designed to help you understand how we collect, use, share, and safeguard the Information you provide to us and to assist you in making informed decisions when using our Services.
By using our Services, you consent to the use of your Information in accordance with this Privacy Policy. Services offered by us are not directed to individuals under the age of eighteen (18). If you are under eighteen (18), you should not provide any Information to us.
This Privacy Policy does not describe the collection, use and disclosure practices of any affiliate or other third parties. For information on a third party’s information collection, use and disclosure practices, please review the privacy policy on the applicable third party’s website. Also, please note that our website may contain links to other websites. We are not responsible for the websites, content or privacy practices of any third party. By using our website, you acknowledge that you have read and agree to be bound by this Privacy Policy and agree that you are subject to the Tensor.Exchange Terms of Service.
Furthermore, you explicitly affirm that you understand Tensor.Exchange may change this Privacy Policy at any time. You agree that notice of changes to this Privacy Policy posted on the Services constitutes reasonable and sufficient notice. At all times you use the Services, you are bound by the then-current version of this Privacy Policy and all applicable laws. Your continued use of the Services following such reasonable notice of modifications will be conclusively deemed acceptance of any changes to this Privacy Policy. Please review this Privacy Policy periodically for changes. This Privacy Policy as last updated on March 27, 2023.
We collect personal information and non-personal information from you at several different points, including but not limited to, (i) when you register with us; (ii) when you visit our website or click on images or links within our website; (iii) when you contact us for help; (iv) apply for credit with a dealer or one of our finance partners; (v) provide payment card information for one of our products or services; (vi) subscribe to newsletters or provide feedback; (vii) open email newsletters or click on links within those emails; and (viii) participate in surveys, sweepstakes or other promotions.
Personal information is information that can be used to personally identify you, for example your name, phone number, and e-mail address. Non-personal information is information that cannot be used to personally identify you, for example, anonymous usage data, general demographic information we may collect, referring/exit pages and URLs, platform types, preferences you submit and preferences that are generated based on the data you submit and number of clicks.
We collect certain Information that users voluntarily provide to us. For example, we collect the email addresses of those who contact us by e-mail. We also collect Information that you voluntarily provide to us in surveys. When you register for a Tensor.Exchange account, we collect your full name, e-mail address, zip code and a password chosen by you. As described above, we use that Information to serve you, to improve the content of our Services, and to contact you for marketing purposes.
We also collect information from you passively. For example, we may, either directly through our systems or third-party platforms collect and record information associated with: (i) your IP address, such as the time and date of a visit, originating domain name, and browser type; (ii) queries and searches made on our website, (ii) listings, pages, advertisement or images viewed and links you click on; (iii) the time you spend on parts of or the entirety of our website for each session; (iv) movement of your mouse or cursor on particular pages, ads or images of and throughout our website; (v) number of redirects to source webpage per session, and (vi) other statistics related to your usage of the Services. We may use a variety of technologies including Cookies, Web beacons, and Internet Protocol (IP) addresses. We may also use video recording tools (such us Hotjar) to help us identifying usability issues on our website.
We combine information provided to us. For example, we may combine information that we have collected offline with information we collect online. We also combine information we collect passively with information you provide to us. We may combine information about our transactions and experiences with you with other information we have collected from you. We may also combine financial information we learn about you with other information we collect. Or we may combine information we get from a third party with information we already have. We may also combine previously anonymous information like IP address with other information we have collected to identify an individual.
We maintain presence on several social networking and blogging platforms, such as Facebook and Twitter, and we also incorporate some third party social networking features into our Services. Through these platforms and features, we receive information about you, and this Privacy Policy applies to that information as well. In addition, third party social networking platforms and blogging platforms have their own privacy policies which explain how the third parties that provide them will use and protect your information. In accordance with those policies (and your privacy settings within your social networking accounts) information about your activities relating to the use of our website may be published to your social network.
Personal Information. We may use personal Information that we collect about you to: (i) deliver the products and services that you have requested; (ii) schedule appointments with dealers (if applicable); (iii) manage your customer relationship and provide you with customer support; (iv) perform analysis about your use of the Services; (v) communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you; (vi) enforce our terms and conditions; (vii) manage our business; (viii) respond to investigation, court orders, legal process, or to investigate, prevent or take action regarding illegal activities, suspected fraud, or situations involving potential threats to the physical safety of any person, or as otherwise required by law; (ix) deliver coupons and other marketing communications via text or SMS, which, by providing your mobile number to Tensor.Exchange, you have expressly consented to receive; (x) send promotional materials, newsletters or other content via email, text message, or otherwise (if you no longer wish to receive a particular email newsletter or other promotion from Tensor.Exchange, you must follow the opt-out instructions included in such email newsletters, text messages, or promotions); (xi) permit third parties (to whom we may disclose personally identifiable information specifically for direct marketing purposes) to send you promotional or informational messages, but only if you have first affirmatively agreed to receive such messages; or (xii) perform functions as otherwise described to you at the time of collection.
We may, and you authorize us to, transfer your Information, including personal information, to any of our affiliates for the purpose of processing or storage. Additionally, we may, and you authorize us to transfer your Information to the extent that: (i) we have your written consent; (ii) transfer is being made to other Tensor.Exchange entities and/or business partners who are acting on our behalf for the uses described in this Privacy Policy; (iii) transfer is done in connection with a business transaction, such as a merger, acquisition, or liquidation of Tensor.Exchange; (iv) transfer is necessary for vendors to perform certain functions on our behalf; (v) we believe, in our own sole discretion, that transfer is necessary to limit our liability or protect and defend the rights, property or personal safety of our Company, its affiliated companies, this website or its users or to investigate violations of our agreements or Company policies; or (vi) transfer is required by law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to our Company.
Non-Personal Information. We use non-personal Information to help us improve the Services and customize the user experience. We also aggregate non-personal Information in order to track trends and analyze use patterns for the Services. This Privacy Policy does not limit in any way our use or disclosure of non-personal Information and we reserve the right to use and disclose such non-personal Information to our partners, advertisers and other third parties at our discretion.
Except as otherwise stated in this Privacy Policy, we do not sell, trade, rent or otherwise share for marketing purposes your Information with third parties without your consent. Information collected from you may be stored and processed in the British Virgin Islands (BVI) or any other country in which our Company or agents or contractors work or maintain facilities, and by using our Services, you consent to any such transfer of information outside of your country.
We will retain any Information only for as long as is necessary to fulfill the business purpose it was collected. We will also retain and use any Information for as long as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We implement security measures designed to protect your Information from unauthorized access. Your account is protected by your account password and we urge you to take steps to keep your personal information safe by not disclosing your password and by logging out of your account after each use. We further protect your Information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your Information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using our Services, you acknowledge that you understand and agree to assume these risks.
We may also offer message boards, bulletin boards, chat rooms, comments areas or other forums (“Forums”) on the Tensor.Exchange website for use by visitors who are 18 years of age or older. Any information you disclose when posting a message in these Forums may become public. You should not include any information in your posting that you do not want other parties to see or use. Moreover, if you post any messages in the Forums that include your email address or phone number you may receive unsolicited emails or calls from third parties.
Account Information. If your Information changes, or if you no longer desire to use the Services, you can correct, update, or delete inaccuracies by making the change within your profile settings or by contacting us at contact@tensor.exchange or through Discord.
Promotional Communications. You have the right at any time to prevent us from contacting you for marketing purposes. When we send a promotional communication to a user, the user can opt out of further promotional communications by following the unsubscribe instructions provided in each promotional e-mail or by contacting us at contact@tensor.exchange. Please note that notwithstanding the promotional preferences you indicate to us, we may continue to send you administrative e-mails including, for example, updates to our Privacy Policy.
Access Rights. Reasonable access to your Information may be provided at no cost upon request made to contact@tensor.exchange. If access cannot be provided within the time frame requested, our Company will provide the requesting party a date when the information will be provided. If for some reason access is denied, we will provide an explanation as to why access has been denied.
Children’s Rights. Because of the nature of our business, our Services are not designed to appeal to children under 18 years of age. We do not knowingly attempt to solicit or receive any information from children. No information should be submitted to or posted at Tensor.Exchange by visitors younger than 18 years old.
Cookies. In an effort to improve the quality of the Services, we track information provided to us by your browser or by our software application when you view or use the Services, such as the website you came from (known as the “referring URL”), the type of browser you use, the device from which you connected to the Services, the time and date of access, and other information that does not personally identify you.
We track this information using “cookies,” which are small text files placed on your computer and include an anonymous unique identifier. Cookies are sent to a user’s browser from our servers and are stored on the user’s computer hard drive. Sending a cookie to a user’s browser enables us to collect Information about that user and keep a record of the user’s preferences when utilizing our Services, both on an individual and aggregate basis.
The Company may use both persistent and session cookies; persistent cookies remain on your computer after you close your session and until you delete them, while session cookies expire when you close your browser. For example, we store a persistent cookie to track information you provide us by registering for an account. In addition, our use of cookies may include the use of functional cookies, analytical cookies, and advertising cookies. Functional cookies allow our websites, products and services to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to track if you accept our cookies policy or share our content through social networks. Analytical cookies allow us to count the number of visitors to our website, storage searches and clicks as well as analyze and measure their experience through statistics. In some cases we use a third-party to provide this information. Advertising Cookies allow us, to manage the advertising spaces of the website more efficiently, adjusting the content of the advertisement to the use made of our website. For that, we may analyze your Internet navigation habits.
You have many choices with regards to the management of cookies on your computer. All major browsers allow you to block or delete cookies from your system. Before taking such steps, you should be aware that the Services may not work properly if you choose to block the placement of cookies on your computer. You will need to decide whether enabling cookies outweigh privacy concerns. To learn more about your ability to manage cookies, please consult the privacy features in your browser.
Web Beacons. Our Company and third parties may also use small pieces of code called “web beacons” or “clear gifs” to collect anonymous and aggregate advertising metrics, such as counting page views, promotion views, or advertising responses. These “web beacons” may be used to deliver cookies that conform to our Company’s cookie requirements.
Analytics Services. In addition to our own analytic tools, we use the following third-party data analytics platforms to improve our Services:
Google Analytics. We use Google Analytics to help understand how visitors interact with our websites so that the websites can be improved. You can read Google’s security and privacy policies for Google Analytics. You can chose not to have your data used by Google Analytics by downloading Google’s opt-out browser add-on.
Facebook Analytics. We use Facebook measuring tools to improve our advertising and measurement systems. You can read Facebook’s Data Policy.
Links. As part of the Services, we may create links to other websites or applications. However, we are not responsible for the privacy practices employed by those websites or the information or content they contain. This Privacy Policy applies solely to information collected by us through the Services. Therefore, this Privacy Policy does not apply to your use of a third-party website accessed by selecting a link on our website or via our Services. To the extent that you access or use the Services through or on another website or application, then the privacy policy of that other website or application will apply to your access or use of that website or application. We encourage our users to read the privacy statements of other websites before proceeding to use them.
Other. Our Company sites may use third parties to present or serve the advertisements that you may see at its web pages and to conduct research about the advertisements and web usage. This Privacy Policy does not cover any use of information that such third parties may have collected from you or the methods used by the third parties to collect that information.
You are entitled to make certain choices about how we communicate with you, however, please note that certain features may not function properly or at all as a result.
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You may choose not to provide personal information, even though that might impact your ability to register or receive a particular product or service.
If you do not want to receive marketing email from us, you can follow the unsubscribe link provided in those emails.
If you do not want to receive interest-based advertisements, you can opt out of such interest-based advertisements.
Most web browsers automatically accept cookies, but you can usually modify your browser’s setting to decline cookies if you prefer. You may also render some web beacons unusable by rejecting their associated cookies and disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on’s settings or opting out at the website of the technology provider. If you do not want to use a uniquely generated telephone number, you may choose to not call us.
The Company reserves the right to change this Privacy Policy at any time. We will notify you of significant changes to our Privacy Policy by sending a notice to the primary e-mail address specified in your account or by placing a prominent notice on our site. Significant changes will go into effect 30 days following such notification. Non-material changes or clarifications will take effect immediately. It is your responsibility to review this Privacy Policy periodically as your continued use of the Service represents your agreement with the then-current Privacy Policy. The provisions of this Privacy Policy supersede all previous notices or statements regarding our privacy practices.
If you choose to visit the Tensor.Exchange website, your visit and any dispute regarding privacy is subject to this Privacy Policy, including limitations on damages, resolution of disputes, and application of the law of the State of The British Virgin Islands (BVI).
Notice to California Residents – Your California Privacy Rights
California Civil Code Section 1798.83 permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information shared and the names and addresses of all third parties with which we shared 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 in writing to contact@tensor.exchange.
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us by sending an e-mail to contact@tensor.exchange.