Privacy policy notice

"Rely on a firm that has successfully provided financial solutions to companies worldwide"

Last Revised: February 3rd, 2019Privacy Policy Notice

You can visit The Bao Lyon Group, LLC, hereby referred to as (“BLG Group”) on the Internet, without telling us who you are and without giving any personal information about yourself. There are times; however, we may need information from you.

PRIVACY AND YOUR INFORMATION

BLG Group brings consulting services to businesses, consumers and partners but doesn’t come at the expense of your privacy. We believe in innovation and quality that supports your privacy rights and in business solutions designed with those rights in mind.
This Privacy Notice describes how we use your personal information and respect your privacy rights.
In particular, this Privacy Notice explains how our products and services use your personal information. It applies to our use of personal information across our website, products, online services, software, tools, and other services and functionality we provide, both online and offline (collectively referred to as “BLG Group Services”).

WHAT KINDS OF INFORMATION DO WE COLLECT?

BLG Group collects information as part of its business operations, to provide services, to respond to requests and offer customer support, to fulfill legal and contractual obligations and to build innovative business solutions for you, our client. You provide some of this data directly, such as when you order a BLG Group service, contact customer support, or when you enter into a contractual agreement with our company. The majority of our business transactions are direct; person-to-person and our company does not keep personal information online nor uses embedded technologies and cookies to track your contacts or browsing habits.

INFORMATION YOU PROVIDE TO BLG GROUP VOLUNTARILY

When request information from BLG, become a client or make a purchase of our services, we will ask for things like contact, billing, shipping and communication information. If payment is required in advance, we normally use only two ways for payment: Bank-to-Bank Wire Transfers or we also accept PayPal secured services to fulfill your request. If you attend a trade show or event, or otherwise contact us, you may also voluntarily provide similar information.

Interactive features in some BLG Group Services may allow your comments, letters or share photos, video or other content. When you affirmatively share this content, we may collect and use it in accordance with this Notice. We do not utilize social engagement, (social media) to receive information about you or your company.

If you submit any personal information about other people to us or to our service providers, you are responsible for making sure that you have the authority to do so and to allow us to use their personal information in accordance with this Privacy Notice (for example, by your asking for their consent).

DEVICE AND PRODUCT OPERATION

If you download and use certain BLG Group’s electronic or printed materials we do not track and collect usage data, such as when the downloaded materials is used, what information and files have been downloaded through the use of the software or app, and how you interact with the software or app during use. Some of this data may be protected as BLG Group’s personal information under applicable data protection laws.

In some instances BLG Group business solutions is used within a product or device that may collect personal information, which is not shared with BLG Group. This information may be collected by the manufacturer of the product or device and you will need to read the privacy notice, privacy policy, or related terms published by that company to understand how they use your information.

INFORMATION FROM THIRD PARTIES

We obtain information through partners, vendors, suppliers and other third parties. The parties from whom we obtain information are typically corporate enterprises (although some may also be educational or public enterprises) and they may be located in any of the locations in which we do business. These enterprises largely fall into the following categories: Marketing companies, information vendors, public database providers, partners, providers of products or services, hosts or vendors at events or trade shows, research partners. We take steps to confirm that information we receive from these third parties has been collected legally and permitted to us. We might also obtain information through a partner in order to enhance existing services and developing new capabilities and features. In some cases we combine personal information about individuals that we receive from multiple sources, including directly collected from you or through your use of the BLG Group Service.

THROUGH OUR WEBSITE & SERVICES

We do not collect information about how you interact with our website and some BLG Group Services through the use of cookies, pixel tags, and similar technologies. We do not track your moves through our website or your browsing habits.

HOW WE USE INFORMATION

We use information that we collect for lawful purposes associated with the growth, maintenance and management of our business while also respecting your privacy. These uses include our internal operations and administration, communicating with you and fulfilling your requests for the BLG Group Services, for marketing, to monitor and maintain functionality and security of BLG Group Services and to improve, develop, enhance and otherwise provide the BLG Group Services.

TO COMMUNICATE

We use contact information to send messages; to offer services and process payments utilizing exclusively the services and secure encrypted systems of PayPal; to respond to customer service requests; to provide alerts such as security updates or changes in our policies; and to send informational materials. Some BLG Group Services may allow you to send messages to a “friend” or other contacts you provide. For information about managing the use of your contact data and to manage emails and communications, please visit the Your Choices & Rights section of this Notice.

FOR BUSINESS OPERATIONS

We use information to operate our business; for example, to perform accounting, auditing, billing, reconciliation, and collection activities. Other business purposes that depend on use of your personal information include crime or fraud monitoring and prevention, protecting our legal rights, and performing contractual obligations. We also use personal information to contact you to advertise, market and sell BLG Group Services in accordance with your communications preferences.

FOR FUNCTIONALITY, DEVELOPMENT AND IMPROVEMENT

We use information to provide, offer, personalize and improve BLG Group Services. We do not obtain or keep your IP address in order to provide our services or market our business solutions. We do not use cookies to make our websites operate, work more efficiently or to provide analytic information.

LEGAL BASIS OF OUR USE (EEA VISITORS ONLY)

If you are in the European Economic Area, our legal basis for collecting and using the personal information described above will depend on the personal information concerned and the specific context in which we collect it.

However, we will collect personal information from you only where we have your consent to do so, where we need the personal information to perform a contract with you, where we have a legal obligation to do so or where the processing is in our legitimate interests (such as processing for administrative purposes, direct marketing, product development or improvement, preventing fraud or criminal acts and in support of information security) and not overridden by your data protection interests or fundamental rights and freedoms. 

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the time of collection. We will also tell you whether the requirement for that information is mandatory and explain any consequences to you if you do not provide the information.

Similarly, if we collect and use your personal information based on our legitimate interests (or those of any third party), we will take reasonable steps to provide clear notice and describe our legitimate interests.

The contact details for BLG Group are set out in the “
How to Contact Us section.

If you have questions about or need further information concerning the legal basis on which we collect and use your personal information for any specific processing activity, please contact us using the contact details provided under the “How to Contact Us” Section below.

HOW WE SHARE INFORMATION

We share personal information for reasons like fulfilling orders, processing payments, preparing and sending advertising campaigns, or as otherwise necessary to complete any transaction or provide any service you have requested or authorized. Where sharing takes place, we use controls to establish protections for the personal information that is shared. Sharing may take place with affiliates and subsidiaries; suppliers working on our behalf; law enforcement or government official and for purposes consistent with this Notice including to protect our customers; to protect lives; to maintain the security of BLG Group Services; and to protect our rights and property.

WITH AFFILIATES AND SUBSIDIARIES

For purposes limited to and consistent with this Privacy Notice.

WITH SUPPLIERS

Our authorized vendors and suppliers may require personal information to provide services we have contracted for, such as delivery of services, website hosting, IT services, auditing, payment processing or customer service. We use a wide variety of software and tools at BLG Group and we process personal information using these tools as a regular course of business. Our contracts with suppliers and vendors include provisions to protect your information and limit its use.

WITH PARTNERS

We occasionally have relationships with third parties that are not suppliers or vendors but are working with us to offer certain opportunities, to enable joint services. In these cases, additional terms or privacy notices may be provided. For third parties or uses not described in this Notice, we share your information only with a lawful basis to do so.

FOR ADVERTISING

We do not share your information with any party for advertising purpose. Our dealings rely on a person-to-person and business-to-business relationships basis.
BLG Group does not share your personal information with non-affiliated third parties for their own marketing uses.

SALES, MERGERS & ACQUISITIONS

We may disclose personal information as part of a contemplated or actual corporate transaction such as a reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or interests (including in connection with any bankruptcy or similar proceedings).

RESEARCH & STUDY

Usually we do not disclose personal information to collaboration partners in order to conduct research or to improve our services. If our clients project requires a specific research or markets analysis, BLG Group will communicate that need and require your permission before proceeding.

WITH YOUR CONSENT

BLG Group may disclose your personal information to any other person or entity where you consent to the disclosure.

YOUR CHOICES & RIGHTS

BLG Group respects your rights in how your personal information is used and shared. You may request access or corrections to your personal data and make choices about the kinds of marketing materials you receive (or choose not to receive marketing from BLG Group at all). If you are in Europe, you may have additional rights under the GDPR. Additional choices and rights may be available to you depending on which BLG Group Services you use.

ACCESS TO OR DELETION OF YOUR INFORMATION

If you would like to correct or update your personal information, or to request access to or deletion of your personal information, you may contact us by: using the online Contact Us form; or sending a letter to one of the postal addresses listed in the ”How to Contact Us” section below including your name, email address, account identification, and purpose of the request. If you request a change to or deletion of your personal information, please note that we may still need to retain certain information for record keeping purposes, and/or to complete any transactions that you began prior to requesting such change or deletion (e.g., when you make a purchase or enter a request or study, you may not be able to change or delete the personal information provided until after the completion of such purchase or study). Some of your information may also remain within our systems and other records where necessary for compliance with applicable law.

At your request and where the law requires us to do so, we will confirm what personal information we hold about you. You may also have a legal right to obtain a copy of your personal information. You can make such a request by making a written request in one of the ways described in the “How to Contact Us” section below. We may charge a processing fee for this service where permitted by law and we will require evidence of your identity and the signing of a legal disclaimer before fulfilling your request.

DATA PRIVACY RIGHTS SPECIFIC TO RESIDENTS OF THE EUROPEAN UNION

If you are in the EEA, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information. You can exercise these rights by making a written request in one of the ways described in the “How to Contact us” section below.

Similarly, if we have collected your personal information with your consent, you can withdraw your consent at any time. Withdrawing your consent will not affect (1) the lawfulness of any processing we conducted prior to your withdrawal, or (2) processing your personal information under other legal bases.

ADVERTISING CHOICES

Please also note that if you choose not to receive marketing from us, we may still send you communications related to your products or BLG Group Services, such as information about a security update, billing or pending payment issue or product delivery.

OTHER PRIVACY RELATED INFORMATION

Below you will find additional information that is important such as how we communicate changes to this notice, our data retention practices, international compliance, working with minors’ personal information and information security.

SECURITY

The BLG Group Services are designed to provide reasonable and appropriate administrative, technical and organizational security measures to protect your personal information against risks such as temporary or permanent loss, destruction, and unauthorized or unlawful access, alteration, use or disclosure. We require our suppliers and vendors to apply similar protections when they access or use personal information that we share with them. Users of BLG Group Services must also do their part in protecting the data, systems, networks, and service they are utilizing. No technology, data transmission or system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that your password to any BLG Group Services area has been compromised), please immediately notify us by contacting us using the instructions in the “How to Contact Us” section below.

PERSONAL INFORMATION OF MINORS

We comply with the Children’s Online Privacy Protection Act in the United States, and similar laws around the world, where applicable to BLG Group Services. We do not knowingly collect personal information from minors without proper consent from a parent or legal guardian. If you believe that we may have collected personal information from a minor without the requisite consent, please let us know using the methods described in the How to Contact Us section below and we will investigate and promptly address the issue. For these purposes, we define a "minor" to mean an individual who is under the age of majority in the territory in which they are resident.

Minors, or their legal guardians, may change or revoke the consent choices previously made or request access to or removal of any personal information that they have provided or posted to BLG Group sites by contacting us using the information in the “How to Contact Us” section of this Notice. Within thirty days of such a request (unless another period is provided by law) BLG Group will anonymize, or remove from public view such content unless legally required to retain such content or information.

INTERNATIONAL COMPLIANCE

BLG Group has its headquarters in the United States. Whenever BLG Group transfers personal information beyond the country of origin, we will do so in accordance with applicable laws.

If we transfer information in order to operate efficiently, to improve performance, and to create redundancies in order to protect information in the event of an outage or other problem, we will process your personal information in a way that meets the commitments of this Notice and complies with the law wherever we transfer it.

For personal information originating in the European Economic Area (EEA) that is transferred to an BLG Group provider outside the EEA that does not have an “adequate level of protection” as determined by the European Commission, it does so on the basis of its approved binding corporate rules. Where BLG Group's rules do not apply, we rely on other lawful measures, such as contracts that include the EU standard contractual clauses.

RETENTION

We retain personal information for the period necessary to: Provide requested BLG Group Services, as needed to comply with legal obligations (e.g. maintaining opt-out lists to fulfill servicing choices or to comply mandatory record retention or legal hold requirements), as agreed in an individual consent, to resolve disputes, and to otherwise fulfill the purposes, rights and obligations outlined in this Privacy Notice. Retention periods can vary significantly based on the type of information and how it is used and our retention periods are based on criteria that include legally mandated retention periods, pending or potential litigation, our BLG Group’s intellectual property or ownership rights, contract requirements, operational directives or needs, and historical archiving. When personal information is removed from our systems, it will be deleted or destroyed using appropriate security protocols so that it cannot be reconstructed or read.

THIRD PARTY SITES & SERVICES

This Privacy Notice does not address, and we are not responsible for, the policies and practices of third parties or other organizations that are not operating on BLG Group’s behalf, including policies and practices related to privacy and security, data collection, processing, use, storage, and disclosure. This includes: any third party operating any site or service to which the BLG Group Services link – the inclusion of a link on the BLG Group Services does not imply endorsement of the linked site or service by us or by our affiliates.

CHANGES TO THIS POLICY

We may change this Privacy Notice from time to time so it accurately reflects our practices, the BLG Group Services and legal requirements. The “Last Revised” section at the top of this Notice states when this Privacy Notice was last amended and we update this date each time a revision is posted. Any changes to this Privacy Notice will become effective when we post the revised Privacy Notice on the BLG Group Services. You should check back regularly to stay informed of our privacy practices.

If any change to our Privacy Notice materially affects the use of your personal information, we use reasonable efforts to notify you in advance, such as by sending an email or posting a prominent notice of the changes on our website, and give you a reasonable period of time to object to any changes. In some cases, objecting to changes may affect the availability or functionality of the BLG Group Services available to you. We will treat your continued use of the BLG Group Services after the effective date of any updated Privacy Notice as your acceptance of the changes we have made. However, we will seek your affirmative consent to any material changes in our use of your personal information as described in an updated Privacy Notice if and where this is required by applicable data protection laws.

We encourage you to periodically review this Privacy Notice to stay informed about how we collect, use, and share personal information.

HOW TO CONTACT US

If you have questions or concerns about BLG Group’s privacy practices or to exercise any of your rights and choices as described in this Notice, you can contact us using any of the following methods:

By Using the Contact Us Form on Our Website

By Sending a Letter in the US to the Postal Address Listed Below
Please include your contact information, name of the BLG Group Services website of your concern, and a detailed description of your request or privacy concern.

The Bao Lyon Group, LLC
ATTN: Privacy Office,
12090 N Thornydale Rd., Suite 110 # 209
Marana, AZ 85658, USA
By Sending an email: privacy.office@expertrecover.com
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The Bao Lyon Group, LLC does not use cookies on its site. We do not collect, through the use of cookies, pixel tags, and similar technologies, information about how you interact with our website, our Products or Services. We do not track your moves through our website or your browsing habits. We will not collect any information from you unless you choose to contact us via email. Your email address and any other information you send us may be used to reply to you, to answer your queries, questions or to provide services you have requested from us. By proceeding browsing our site or by selecting continue, you consent that you have reviewed our Privacy Policies and you are in agreement with the Terms & Conditions of our website.