Privacy Policy

This privacy policy (“Policy”) covers www.prospectamerica.co  (the “Site”),  owned and operated by Prospect America (“us” or “we”) and is applicable to all information about you (“you” or “your”) collected through the Site. All references in this Policy to the Site include future lead generation, samples and savings themed Sites that we and our Affiliates (defined below) may create, own and/or operate.

This Policy describes the types of information that we gather from you and the other people who visit the Site (“Users”), how we may use that information and how you can contact us regarding this Policy and your personal information. This Policy also describes additional rights that California Users have under the California “Shine the Light” law and the California Consumer Privacy Act (“CCPA”).

1: Your Consent

Please read this entire Policy carefully before using the Site or providing us with any information that is personally identifiable to a User (“PII”) and information that is not personally identifiable to a User (“non-PII)” (together, “Information”). When you access or use the Site, you consent to the collection, use, processing, and disclosure of your Information in accordance with this Policy by us, our third party marketing partners, and our parent, subsidiaries and entities under common control with us (“Affiliates”). If you do not agree to the terms of this Policy, you are not authorized to use the Site.

2: How We Collection Information and the Types Collected

We and our marketing partners and Affiliates collect Information in a number of different ways. We collect Information submitted by a User on our Site, including PII such as their name, email, address, phone number, date of birth, age and gender. We also use technological means to collect Information about a User such as the type of device and browser they are using, where they were browsing before they arrived at our Site, their IP address, their MAC address, their browser information, and if a User is on a mobile device then which carrier they use. This Information may be supplemented or verified by third party services.

Non-PII that a User submits as part of our surveys, such as political party registration, shoe size, laundry preferences, household income, pet ownership, etc. could be associated with your PII.

If you reached the Site by clicking on a link or an ad from another website or from an email sent from one of our marketing partners, then we may also capture that information to understand the interests of our Users and to keep track of third parties who direct Users to our Sites. Users may supply information through our dynamically determined survey questions, which we then associate with the User’s PII to help us identify the products and services they may be interested in. We track and record a User’s behavior while on our Site and associate it with the User’s PII so that if a User returns to our Site, we can, for example, avoid showing the User the same offers or asking the same survey questions.

In order for a User to take full advantage of the Site, we ask Users to voluntarily provide their PII to us. If a User chooses not to provide us with their PII by simply not entering it on the Site or not otherwise providing it to us, the User will not be able to access or use certain of the services or features available through the Site that require the submission of that PII.  For example, a User that chose to provide us with the PII required to register, but chose not to provide us with PII in response to a particular survey question would not receive the available points for that survey.  

We use technologies such as “cookies” (small text files placed/dropped on a User’s device), “web beacons” (single-pixel GIF files) or similar technologies to track the User’s online behavior and interaction with the Site, including Google Analytics-related cookies, Pushly-related cookies, and AdRoll-related cookies. We may permit these or other third parties to use these technologies to track your online behavior for our purposes described below or their own purposes.

3: How We Use the Information We Collect

We may use the Information (whether PII or non-PII) that a User provides us to, among other things:

  • Publish, sell, or otherwise make available to third parties aggregate survey data or survey data analysis that incorporates Information;
  • Help administer and protect the security of the Site and provide communication and other services and, in that regard, may share Information with third parties, including vendors and contractors who provide services to us;
  • Process or complete transactions that a User requests, including providing a User’s Information to Affiliates and other third parties;
  • Contact Users regarding customer service and administrative issues, such as questions about a User’s specific request, or otherwise respond to a User’s comments or requests;
  • Send Users emails with information and offers from us, our marketing partners and/or our Affiliates;
  • Maintain suppression or opt-out lists that we may share with third parties so that a User is not contacted when the User has asked not to be;
  • Develop and/or enhance products and/or services by our Affiliates and/or third parties;
  • Make telephone calls and send text messages to you with information and offers provided you consent to be marketed to in this manner as described further below;
  • Compile anonymous statistical information and analysis which may be provided or sold to Affiliates or other third parties;
  • Track your use of the Site, including which webpages you visit, which links you click, your mouse or cursor placement, and the time intervals between each of these actions; 
  • Archive or back up the Site or the Information for archival, backup, or disaster preparedness purposes;
  • Provide, sell, or rent some or all of your Information to Affiliates or other third parties for our own or third parties’ advertising purposes; and
  • Permit you to access certain web-based programs or applications on the Site.

4: Behavioral Advertising

Behavioral advertising enables us and our marketing partners and Affiliates to deliver to users what is hoped to be more relevant information and offers for products or services. We track online behavior principally by a User’s email address, while our third party marketing partners and Affiliates may use cookies, web beacons and other technological means to track users’ online behavior and to collect Information. In either case, identifying a User and their past online behavior enables the tailoring of targeted offers and advertisements. We may share this and other Information with our third party marketing partners and Affiliates and may be compensated for doing so.

5: Third Party Analytics

We may use Google Analytics and similar tools provided by our third party partners to help analyze how Users interact with the Site and display customized ads and other content to our Users during a current browsing session or in the future when the User is online. These analytics are performed by using the technological means described above to monitor a User’s interactions with the Site and may include the collection of PII described above.

6: Other Web Sites; Links

We and our Affiliates and marketing partners may advertise and promote the Site and we may permit our marketing partners to place ads and other content, including links to other websites, on the Site. While we try to post links only to third-party websites that share our respect for privacy, this Policy and our privacy practices do not extend to and may differ from those of third-party websites that can be accessed through links on this Site. You should review the applicable privacy policies of the third-party websites before registering with, providing Information to or navigating those websites.

7: Site Policy Regarding Children Under the Age of 18 and Non-US Residents

The Site is intended to comply with the Children’s Online Privacy Protection Act (COPPA) and CCPA. COPPA requires that web site operators never knowingly collect PII from anyone under the age of 13 without prior verifiable parental consent. The Site is not intended for minors under the age of 18 and we do not knowingly collect or use PII from minors under the age of 18. If we discover personal data from a minor under the age of 18, we will eliminate that data.  Only adults age 18 or over are permitted to be Users.

By using the Site, you agree to provide us with accurate information concerning your age or identity if we request it. You also agree not to assist children under the age of 18 in accessing the Site or to attempt to contact children under 18 through the Site.

The Site is also not intended for persons not resident in the U.S. We use filters that are designed to prevent non-U.S. residents from accessing the Site.

8: Telephone Consumer Protection Act

We may seek your consent to receive telemarketing calls from us, our Affiliates, or marketing partners in accordance with the rules under the Telephone Consumer Protection Act (“TCPA”). If you provide your express consent via your electronic signature for TCPA purposes, even if your mobile or landline telephone number is listed on the federal or a State’s Do-Not-Call Registry, you expressly consent to; (a) receive telemarketing calls, text (SMS) messages, and any other means of communication that your telecommunications or computing device may be capable of receiving (e.g. mms, video, etc. ) from the persons named in the consent (including through the use of automated dialing equipment); and (b) receive future information about products and services from us, our marketing partners, Affiliates, or other third parties to whom we may provide your Information via other means such as email. You may revoke your consent to be contacted in this manner by any reasonable means at any time (see the Opting-Out section below).

Merely accessing our Site without providing your express written consent for TCPA purposes does not constitute your consent to receive telemarketing calls.

9: Notice of Right to Opt-Out

Users may opt-out from receiving future offers from us, including having their email address removed – unsubscribed – from email marketing lists or our no longer selling or leasing your PII to unaffiliated third parties, by: 

  • Following the opt-out instructions contained in the marketing communication to opt-out of email marketing or text message marketing; 
  • By completing the form on the Do Not Sell My Personal Information webpage; or
  • By sending a opt-out request in writing to info@prospectamerica.net with the subject line “Request to Opt-Out” and a description in the body of the email of the marketing or other use of the Information from which the User would like to be opted-out.

If you receive offers or other communications from our third party marketing partners and would like to opt-out from future communications from them, you must contact them directly. In general, it takes up to 10 days for an Opt-Out request to take effect. A third party’s use of Information is subject to their privacy policy.

We may request authentication or verification of a User’s request to opt-out, for example by requesting that a User reenter their email address or other PII, by requiring authorized agents of a User to provide additional PII of the User and authorizing documents to confirm their authorization by the User, or by sending a confirmation email to a User which the User must confirm prior to the Opt-Out request taking effect.

Users may opt out from the collection of online viewing data for behavioral advertising purposes by companies who have elected to participate in one of the behavioral advertising opt-out mechanisms such as the Digital Adverting Alliance’s opt-out program. As is the case with most websites, we have not elected to participate in any of these programs at this time, and such opt-outs will not constitute an Opt-Out request under this Policy.

Users may disable cookies, web beacons and other technological means placed by our Affiliates and third party partners by adjusting their browser or email client settings. Users may also opt out from the collection of online viewing data for analytics purposes performed by Google Analytics by going to Ad Settings under their Google account. As noted above, we  may identify you by your email address, third party cookies, or other means, and will use these methods to tailor your experience on our Site if you visit our Site or one of our Affiliate’s sites in the future.

Users may revoke their consent to receive telemarketing calls from us and/or the persons named in the consent by indicating that do not want to receive any further telemarketing from us or the persons named in the consent.

10: Notice of Incentive

We offer various incentives in the form of points for the completion of various tasks, principally the completion of surveys that contain Information, on the Site.  The value in points of each task is listed on the Site.  

Points may be redeemed for rewards we make available on the Site, such as digital or print magazine subscriptions.  We may share some or all of your Information with our Affiliates or third parties as part of the fulfillment process for the redemption of points for rewards.  Points may not be redeemed for money, have no cash value, and may not be transferred or used except on the Site.

Except for the required PII to register with the Site, we do not otherwise discriminate between Users that provide PII and Users that do not provide PII.  If a User chooses not to provide any additional PII to the Site, the User may choose to complete other tasks or surveys that do not require the collection of PII.  

You can choose at any time not to complete additional surveys or other tasks on Reward Bee.  We will not provide any additional points or other incentives for sharing Information if you cease to complete any of the tasks.

11: Security of Your Information

We use commercially reasonable efforts to prevent unauthorized access or disclosure, or accidental loss or destruction of your Information. We currently do not encrypt Information that we store except for health related information. Given the nature of the Internet, your Information passes through entities that we are unable to control. Therefore, we cannot guarantee that our security measures or those of our Affiliates or third parties who access or transmit your Information will prevent your Information from being illegally accessed, stolen or altered.

12: Access to Information

Users have a right to request the PII we have stored about them.  Users may request the PII we have stored about that User by contacting us at info@prospectamerica.net with the subject line “Request to Know” or by sending a letter to our postal address below with the same request.

Users who provide their Information to us may modify, correct, or delete some or all of their Information by modifying their Information in the “My Account” webpage on the Site, by contacting us at info@prospectamerica.net with the subject line “Request to Modify or Delete” and include the Information to modified or deleted in the body of the email, or by sending a letter to our postal address below with the same request.

13: Your California Privacy Rights

The California “Shine the Light” law permits Users who are California residents to request information regarding our disclosure of their Information to third parties including the categories of Information shared and a list of the names and addresses of third parties with whom the Information was shared. If you are a California resident and would like a copy of this notice, please send an email request to info@prospectamerica.net and identify that it is a “Shine the Light Request” in the subject line of the email, or by sending a letter with the request to:

Prospect America
Attention: Privacy Request
6925 Granbury Road
Fort Worth, TX 76133

Most browsers contain a “do-not-track” setting. In general, when a “do-not-track” setting is active, the User’s browser notifies other websites that the user does not want their personal information and online behavior to be tracked and used, for example, for behavioral advertising. If your browser is set to do not track, our Site will respond in accordance with that setting so that, for example, we will not be able to access any cookies stored in your browser. The impact a do not track setting has on a website’s operation varies from browser to browser. You should be aware that we use other means to identify Users who have previously visited our Site, including their email address and tracking a User’s online behavior while on our Site. We may use this information to tailor the User’s experience should they visit our Site or sites belonging to our Affiliates in the future. Setting your browser to “do not track” will have no impact on these practices.

14: Changes to this Privacy Policy

We reserve the right to revise and update this Policy at any time. If we make material changes to this Policy, we will post a notice on our Site from the date we post the revised Policy until at least 10 days after the revised Policy has been in effect. Any such revisions will be effective 10 days after posting to the Site and will apply to all Information collected by us both before and following the effective date. Your use of the Site following any such revisions will be deemed your acceptance of such revisions. Users should periodically visit this page to review our current policies on our collection and use of Information.

15: Authorized Agent

Users may designate an authorized agent under the CCPA to act on their behalf by sending a letter to the postal address above with a signed letter that includes the name, email address, and date of birth of the User for verification, along with either the User’s signed designation of the authorized agent or a court order or similar legal document designating the authorized agent as acting for the User (for example, a power of attorney or letters testamentary).

16: Questions, Suggestions or to Contact Us

For additional Information or if you have any questions, comments, complaints, or suggestions regarding our Policy or one of our Sites, please contact us at info@prospectamerica.net.

17: In Addition

By clicking submit you acknowledge that you will be enrolling as a member of and will be receiving emails from Prospect America Deals and have read and agree to the specific Prospect America Deals Terms of Use and Privacy Policy.

Effective Date: December 10, 2019