This site is owned and operated by the Hispanic Chamber of E-Commerce; hereafter referred to as HISCEC. Your privacy on the Internet is of utmost importance to us. At the official website of www.tututurofinanzas.com (“Tu Futuro”), we want your online experience to be satisfying and safe.

Because we collect certain types of information about our users, we feel that you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what types of information we collect and how we use it.

INFORMATION THAT YOUR FUTURE COLLECTS AND TRACKS

You can browse our site without providing any personal information about yourself. Once you provide us with your personal information, you are not anonymous to us. Tu Futuro may receive information that is publicly available through the Internet service you use.

All TU FUTURO services are optional; if you do not wish to provide Personal Information, you need only avoid registering as a TU FUTURO Member or browsing certain pages within the site that collect cookies from users.

When you visit the Tu Futuro site you provide us with two types of information: personal information that is collected by us at the time of your registration as a Tu Futuro Member or user and Website Usage Information, information that is collected as you interact with our website.

At the time you decide to become a registered user of the site, you will be asked to fill out a registration form that requires you to provide us with your username, a password, your name and e-mail address. By becoming a registered user of our site, you give us permission to store the personal information you have provided to us.

Tu Futuro also collects information that users provide through voluntary submissions. Such information provided voluntarily is generally for the purpose of receiving our electronic newsletters, to participate in our forum, to participate in a distance learning program, to participate as a site sponsor, to form a strategic alliance with Tu Futuro or to participate in a survey and/or poll.

If you use any of the Tu Futuro groups or calculators or post your comments about a product advertised on the Tu Futuro site, you should be aware that any personal information you submit there can be read, collected, or used by other users of these forums, and could be used to send unsolicited messages. We are not responsible for the personal information you choose to submit in these forums.

Children

In accordance with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never request personal information from anyone under the age of 13 without seeking parental consent. In the event that we learn that we have obtained personal information from a child under the age of 13 without verification of parental consent, we will delete that information as soon as possible from the database. If you believe that we have information from or about a child under the age of 13, please contact us by sending us the name of the user you believe to be a minor via our contact form, by calling us at one of our telephone numbers or by writing to us directly at [email protected].

Tu Futuro collects statistical information about the use of the Site through the use of the service provided by Google Analytics and other data analytics services. This information allows us to better tailor our content according to readers’ needs and to help our sponsors and advertisers better understand the demographics of our audience. Because the majority of Tu Futuro’s funding is generated primarily from sponsorships, advertising and affiliations, the aggregate information we collect is essential to improve our service and to promote special offers to members and users. In no case does Tu Futuro provide any information about a user to any third party, it is only accessed by the Hispanic Chamber of E-Commerce and the U.S. Business Association of E-Commerce.

We reserve the right to disclose your personally identifiable information as required by United States law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Usage Tracking

Tu Futuro tracks user traffic and usage patterns throughout our site. If any of your information is public, some data specific to individual users will be collected by some of the software we use for data analysis. What we do collect through the use of Google Analytics are browser types, time spent by users on the site, pages most visited, where users visit us from, most visited and least visited pages, pages most users enter and leave through, among others. For more information visit the official Google Analytics site.

Within the search engine located on the USBAEC/ HISCEC site, the marketplace platform, we sometimes track and catalog the terms that users use to locate a product, service or company, but these terms are never associated with individual users or members of the site. We use tracking information to determine which areas of our site users/members like and dislike based on traffic to those areas. We do not track the information that individual users/members read, but rather the performance of each page. This is how we will be improving content and services within the site.

Service Providers

DUBALU LLC is the company that provides the hosting service and is the company that has developed the e-commerce tool that allows the creation of the electronic catalog for the companies and all the cloud applications that are used by companies that register to join the Tu Futuro marketplace.

Cookies

We may place a text file called a “cookie” in your computer’s file browser. The cookie itself does not contain personal information, however, it allows us to relate your use of the site to specific information you have already provided in the voluntary registration you have made with TU FUTURO, USBAEC & HISCEC. Therefore, the only personal information a cookie can contain is the information you have already provided. A cookie cannot read data from your hard drive or read cookie files created by other sites. TU FUTURO AND strategic allies use cookies to track user/member usage traffic patterns (as described above). Our advertising system sends a one-time cookie to better track your ad impressions and number of clicks.

You can easily refuse cookies by simply disabling them through your browser properties. If you have set your browser to notify you of cookies, you will be warned each time a cookie is presented in your navigation of the site. You do not need to have cookies enabled to use this site. However, you do need to accept cookies to actively participate in bulletin boards, forums, member programs, voting and polling.

Use of Privacy Policy USE OF INFORMATION Tu Futuro uses all information voluntarily provided by our users/members to enhance their experience on our Web site, either to provide interactive or personalized elements on the site or to better prepare future content based on the interests of our users/members.

As stated above, such information provided voluntarily is generally for the purpose of receiving our electronic newsletters, to participate in our forum, to participate in a distance learning program, to participate as a site sponsor, to form a strategic alliance with Tu Futuro or to participate in a survey and/or poll. We send out newsletters to members on a regular basis (usually monthly) and sometimes send out special newsletters when we think members will be interested in a special event or situation Tu Futuro is involved in. Tu Futuro never shares email lists with third parties, advertisers, sponsors or partners without the member’s or user’s permission. Any special promotions offered by sponsors or other Tu Futuro members will be distributed directly by Tu Futuro to avoid providing your email address to third parties. We will try as much as possible to avoid sending irrelevant messages. You may opt out of the news distribution list at any time.

We use tracking information to determine the areas that users/members like and dislike based on traffic in those areas.

We do not track what content each user/member reads, but how each page is served in general. This information helps us continue to build a better service for our users/members. We do track the terms used in the search function as one of the ways we understand the interests of our users/members, but we do not track this type of information for any particular member.

Tu Futuro creates reports based on user demographics and site traffic for the purpose of presenting to advertisers, sponsors and partners. All without reference to individual member data. This allows advertisers to advertise in a more efficient manner and allows users to receive the ads that pertain most to their needs. We do not sell, rent, or trade any personally identifiable information about our users. We may share certain aggregate (non-personally identifiable) information based on analysis of data collected from our partners, advertiser customers and potential users.

We may use the collected information to implement marketing campaigns, promotions or important advertising messages provided by third parties. However, under these circumstances, your collected information will not be shared with the third parties for any reason, the only way they may collect information from you is if you respond directly to those parties’ advertisements or promotional messages. Under no circumstances will Tu Futuro share information with third parties, other than to comply with applicable laws or to protect the personal safety of our users/members or the public.

INFORMATION EXCHANGE

Tu Futuro uses this information to tailor our content to meet your needs and to help our advertisers better understand our audience demographics. This is essential to keep our organization running. We will not share information about users/members with third parties.

LINKS Tu Futuro contains links to other Web sites. We are, of course, not responsible for the privacy practices of other Web sites. We encourage our users to be aware when they leave the Tu Futuro site and to read the privacy policies of each and every Web site that collects personally identifiable information. This Privacy Policy applies solely to information collected by Tu Futuro.

ACCOUNT PROTECTION

Your password is the key to your account. Use numbers, letters and special characters, and do not disclose your USBAEC password to anyone. If you choose to share your password or your personal information with others, you should be very clear that you are responsible for all actions taken on behalf of your account. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legal action taken on your behalf. Therefore, if your password has been compromised for any reason, you should change it immediately and notify USBAEC as soon as possible.

DELETION OR CHANGE OF INFORMATION

You can view, review and modify most of your personal information by logging into your USBAEC account. Once you log into your account, you can modify your contact information very easily by clicking on the “user profile”, modify your password by clicking on “change password” or if you want to edit your profile go to “Member Properties” and then click on “Modify member profile”. Generally, we will not manually modify your personal information as it is very difficult to verify your identity remotely. You should update as soon as possible if your personal information has changed or is not correct. Once you make a public announcement, you may not be able to change or delete it.

At your request, we may close your account and delete all of your personal information as soon as reasonably possible, based on the level of activity in your account and in accordance with applicable law. As required by law, we must retain personal data from closed accounts to prevent fraud, collect payment of fees owed, resolve disputes, troubleshoot problems, assist in investigations, enforce the Tu Futuro and USBAEC Terms of Use, and to take other actions that are permitted by law.

SECURITY

Tu Futuro operates data networks protected by firewalls and password protection systems. Our security and privacy policies will be periodically reviewed and enhanced as necessary and only authorized personnel have access to the information provided by our users/members.

The Tu futuro site uses the SSL encrypted security certificate provided by GoDaddy for sending classified information.

OPT-OUT POLICY – EXIT DECISION

We offer users/members “exit” options wherever necessary and practical. Such options include:

Decide not to register to receive information related to the services and products offered by Tu Futuro. If you do not wish to receive information related to the services and products offered by Tu Futuro is very simple, just avoid accepting at the time of registration the box that says “Please send me information related to the services and products offered by Tu Futuro”. If for any reason you receive an unwanted e-mail message from Tu Futuro, please submit your case through the contact form by selecting the item related to “Complaint about unwanted e-mail, fraud or bad products”. Once you have submitted your message, we will contact you within 1-2 business days. You also have the option to send an email to [email protected] with the title “UNSUBSCRIBE” and your username in the email message.

Opting out of certain interactive areas within the site, thereby automatically avoiding the sharing of personally identifiable user/member identification.

WITH YOUR CONSENT

By using this site, you consent to the collection and use of such information by Tu Futuro. If Tu Futuro changes the privacy policy, we will post the changes to this privacy policy, the home page of the site or where appropriate so that the user is aware of what information is being collected, how it is being used and under what circumstances, we share it. All changes take effect immediately after they are posted on the page.

We reserve the right to modify this privacy policy at any time, so please check back frequently to see if there have been any changes. If we make any changes we will notify you in the privacy policy, by email or through a notice on the home page. For more information about this privacy policy, please contact Tu Futuro at [email protected].

Hispanic Chamber of E-Commerce 350 10th Ave Ste 1000 San Diego, CA 92101 (858) 768-2483

The current statement was updated on August 15, 2023.