Table of Contents
Frontlands Privacy Policy
Frontlands, Inc. and its affiliates and subsidiaries (collectively referred to as “Frontlands,” “we,” “our,” or “us”) offer products that allow you to leverage your mineral rights for liquidity without selling them.
This Privacy Policy outlines the personal data we collect through our website, mobile applications (“Apps”), email, e-notary services, call center, AI chatbot services, and other interactions with us, as well as from third-party data providers (collectively, the “Services”). It also details how we utilize and share that data for specific business purposes and your choices regarding our data practices.
We do not sell your personal data to any third parties. In addition to this Privacy Policy, your use of our Services is also governed by our General Terms of Service, available at https://www.frontlands.com/docs/terms-of-service
By using our Services, you agree to the data practices described in this Privacy Policy. If you do not agree, please refrain from accessing or using the Services. We recommend reviewing this Privacy Policy thoroughly before providing any personal data (as defined below) to Frontlands. Feel free to contact us with any questions.
Please also review the Gramm-Leach-Bliley Act Privacy Notice at the end of this policy, which applies to individuals obtaining financial products or services from us, including those applying for our products or services.
INFORMATION WE COLLECT
Personal Data You Voluntarily Provide
“Personal Data” refers to information that identifies or is related to a particular consumer or household. It does not include de-identified or aggregate data.
We collect Personal Data that you provide when interacting with our Services, applying for financial products, contacting us, or creating an account. This information may include your name, address, email, phone number, Social Security number, taxpayer identification number, date of birth, government-issued ID, biometric data, income information, bank account details, routing numbers, and transaction details.
We may also use your financial institution login information to monitor assets used as collateral.
Information We Automatically Collect
When you use our Site or Apps, we collect technical information about your device and software, including your IP address, operating system, phone carrier, manufacturer, device identifiers, and push notification tokens. We may also track information about your visit and interactions with the Site or Apps, such as the number of visitors, pages visited, referring domains (e.g., google.com), and browsers used (e.g., Firefox, Internet Explorer).
With your consent, we may collect your precise location information while using our Services. Please refer to the “Your Choices” section for details on how to prevent your device from sharing this information.
Information from Third Parties
To assess your eligibility for financial products or services, we may obtain credit reports from consumer credit reporting agencies, providing notice and/or obtaining your consent as required by law.
We may also gather Personal Data from third parties for limited business purposes, including financial institutions, product sponsors, service providers, background check companies, and public records. However, we do not sell your Personal Data. This data assists us in evaluating product eligibility, enhancing user experience, and meeting legal obligations.
TYPES OF PERSONAL DATA WE COLLECT
In the past 12 months, we may have collected and disclosed the following categories of Personal Data with our third-party service providers, affiliates, and regulators:
- Personal characteristics (age, gender, marital status)
- Online identifiers (IP address, device IDs, browsing history)
- Commercial information (records of property, products/services purchased)
- Identifiers (name, postal address, email, Social Security number, etc.)
- Internet activity (browsing and search history, settings, device information)
- Audio or visual data (service calls, video recordings, photographs)
We may also make inferences about you based on the information you provide.
COOKIES AND OTHER TRACKING TECHNOLOGIES
Cookies and Consent Management
Cookies are small data files saved on your device that help websites remember information about you. This definition also includes other technologies like web beacons and device identifiers. We use cookies to enhance our Services' functionality and analyze usage. For example, cookies may help us remember you and eliminate the need to enter your password each time you visit.
Why We Use Cookies
Cookies enhance your experience by:
- Site Navigation: Improving how you navigate our sites.
- Your Preferences: Remembering your settings and choices.
- User Experience Optimization: Enhancing site functionality and performance.
- Advertising: Tailoring your ad experience based on your interests.
- Usage Analysis: Analyzing data to understand how you interact with our sites.
How We Use Cookies
We use cookies for several purposes:
- Necessary Cookies: Essential for site functionality and security.
- Functional Cookies: Remember your preferences (like username or language) for a personalized experience.
- Analytics Cookies: Help us measure and enhance site performance.
- Targeting Cookies: Deliver relevant advertisements.
- Performance Cookies: Gather information on site usage, often from third parties.
- Social Media Cookies: Facilitate interaction with social media platforms.
We may also use web beacons to track activity in emails and newsletters, which work with cookies to monitor website interactions.
We may also use pixel tags in our emails and on our Site to track links and monitor page visits. The information collected through cookies or pixel tags is not sold but may be shared for limited business purposes as outlined in our Privacy Policy.
Most web browsers allow you to manage cookies through their settings, but disabling cookies may affect the functionality of our Site.
Third-Party Cookies
Some cookies and tracking technologies originate from third parties, such as Facebook and Google Analytics. These technologies monitor your interactions with our sites, such as pages visited and links clicked.
Analytics and Tracking Technologies
We utilize cookies and other technologies for analytics and advertising. We partner with third-party vendors, such as Google Analytics, for these activities. For more information on Google’s data usage, refer to Google’s Privacy Policy. We do not control how third parties use their tracking technologies. Additionally, we may use web beacons to monitor user interactions with advertisements.
All information collected through analytics and tracking is used for limited business purposes and not sold to third parties.
HOW WE USE PERSONAL DATA
We may use the Personal Data we collect for the following purposes:
- Providing and servicing the Services
- Facilitating transactions and payments
- Verifying identity and account information
- Determining eligibility for financial products and services
- Advertising and marketing
- Personalizing user experience
- Responding to inquiries and feedback
- Maintaining and improving Services
- Detecting and preventing fraud
- Conducting business operations (processing payments, research, analytics)
- Complying with legal obligations
- Conducting market research
- Facilitating third-party integrations
- Sending notifications initiated through our Services
- Publishing user-generated content while honoring privacy preferences
- Recruitment and personnel management
HOW WE SHARE PERSONAL DATA
We may share your Personal Data in the following circumstances for limited business purposes
- Third-Party Partners: We may share Personal Data with financial institutions and partners for business-related purposes, such as processing transactions and ensuring compliance.
- Credit Reporting Agencies: We may share data to evaluate financial product applications and report account information.
- Business Transfers: In the event of a sale, merger, reorganization, or bankruptcy, Personal Data may be included in the transferred assets and shared with service providers or potential partners. We do not sell your Personal Data in these cases.
- Advertising Partners: We may share data for personalized ads and retargeting (with an opt-out mechanism if applicable).
- Agents and Service Providers: We may share information with agents, consultants, and vendors who provide services to us.
- Legal Requirements: We may access, preserve, and disclose your Personal Data when necessary to comply with legal obligations, protect rights, prevent fraud, or respond to requests.
- Consent: We may disclose your Personal Data with your permission.
OPT OUT
You have the option to “opt out” of marketing communications via the instructions provided in emails or by contacting us.
DO NOT TRACK SIGNALS
Our Site does not currently respond to “Do Not Track” (DNT) signals.
CHILDREN
Our Services are not intended for children under 16, and we do not knowingly collect Personal Data from them. If you believe we have collected such data, please contact us for deletion.
LINKS TO OTHER WEBSITES
This Privacy Policy does not apply to third-party sites linked from our Services. Please review their privacy policies directly.
SECURITY
We implement reasonable measures to protect your Personal Data from loss, misuse, and unauthorized access. However, no internet transmission is entirely secure, so please exercise caution in sharing your information.
INTERNATIONAL TRANSFERS OF DATA
Our Services are hosted in the United States. By using our Services from outside the U.S., you consent to the transfer and processing of your information in the U.S. and other regions.
UPDATE YOUR INFORMATION
You can update some of your account information through your App settings.
CHANGES TO THIS PRIVACY POLICY
We may amend this Privacy Policy at our discretion. Material changes will take effect when posted, and we will notify you of significant retroactive changes as required by law. Continued use of the Services after such changes constitutes acceptance of the updated Privacy Policy.
CONTACTING US
For questions, please contact us at (888) 789-6562 or service@frontlands.com.
Gramm-Leach-Bliley Act Privacy Notice
Federal law gives consumers the right to limit some but not all sharing of information provided to financial companies. Please reach this notice carefully to understand how Frontlands, Inc., along with its affiliates and subsidiaries (“Frontlands”) uses your information.
What information does Frontlands collect about you?
The answer depends on the products and services you receive from us. This information may include:
- Social Security number
- Income
- Account transaction history
- Payment history
- Credit history
- Credit scores
How does Frontlands use your personal information?
Sharing and Communication. To limit sharing and manage communication preferences you can call us at (888) 789-6562 or service@Frontlands.com. Please note: If you’re a new customer, we can begin sharing your information 30 days from the date we delivered this notice. If you are an existing customer and have opted out previously, you do not need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. We may contact our existing members by email, mail or telephone to offer additional financial products or services that we believe may be of interest to you. You may direct us not to send you such offers.
How does Frontlands protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Frontlands collect my personal information?
We collect your personal information, for example, when you:
- Open an account or make deposits or withdrawals from your account;
- Tell us where to send the money or tell us who receives the money; or
- Apply for a loan.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes—information about your creditworthiness.
- Affiliates from using your information to market to you.
- Sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choice will apply to everyone on your account.
What is an affiliate?
Companies related by common ownership or control. They can be financial and nonfinancial companies. Frontlands does not have any affiliates.
What is a nonaffiliate?
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Frontlands does not share with nonaffiliates for marketing purposes.
What is joint marketing?
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Frontlands marketing partners include mineral-industry-related companies offering products or services you may be interested in. We will only share your information if you request us to do so.
Other important information.
- California Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.
- Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont Law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.frontlands.com/docs/terms-of-service or call (888) 789-6562.
- North Dakota Customers: We will not share your information except as permitted by ND Century Code Chapter 6-08.1
Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. 214-580-2000.
General Workforce Privacy Notice
OVERVIEW
This notice explains how Frontlands, Inc. (“Frontlands”) handles your personal information.
WHO IT APPLIES TO
This notice is for:
- Employees (current, former, or prospective)
- Contractors and service providers
- Emergency contacts and family members of our staff
UPDATES
We update this notice annually. Check Frontlands Privacy Center [INSERT LINK] for the latest version. We’ll email you if there are major changes.
DEFINITIONS
Personal Information: Any data that identifies you or is linked to you.
- Processing: Actions taken with your personal information, such as collecting or using it.
- Employees: Includes job applicants, current employees, and contractors.
TYPES OF INFORMATION WE COLLECT
We may collect:
- Identifiers: Name, contact details, social security number, etc.
- Protected Characteristics: Race, gender, disability, etc.
- Internet Activity: Browsing and app usage data.
- Employment Data: Job performance, payroll details, biometric data, etc.
- Education Data: Educational records.
- Inferences: Profiles based on your data.
- Sensitive Information: Social security number, financial details, precise location, etc.
WHERE WE GET YOUR INFORMATION
We get your information from:
- Directly from you (e.g., job applications, employment records)
- Your activities (e.g., IT and network monitoring)
- Third parties (e.g., background checks, benefits providers)
WHY WE COLLECT YOUR INFORMATION
We use your information to:
- Recruit and hire
- Manage benefits, payroll, and expenses
- Conduct performance reviews
- Provide HR services and handle international assignments
- Maintain contact information and assist in emergencies
- Ensure work eligibility and provide healthcare services
- Improve the work environment and ensure security
HOW LONG WE KEEP YOUR INFORMATION
We keep your information only as long as necessary or required by law.
YOUR PRIVACY RIGHTS
You have the right to:
- Know and Access: Ask for details about your personal information.
- Correct: Request corrections to inaccuracies.
- Delete: Ask us to delete your personal information, unless we need to keep it for legal reasons.
- Non-Discrimination: We won’t discriminate against you for exercising these rights.
HOW TO MAKE A REQUEST
Submit your request through our service@frontlands.com. We will verify your identity and respond within 14 days.
VERIFYING REQUESTS
To protect your privacy, we will verify your identity before processing requests. Active employees will need to log into their Frontlands HR account. Former employees or those without an account may need to provide additional details.
CONTACT US
For questions, email us at service@frontlands.com.
