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PLEASE NOTE THAT THIS POLICY APPLIES ONLY TO PERSONAL INFORMATION COLLECTED THROUGH THE WEBSITE BY US OR THIRD PARTIES ACTING ON OUR BEHALF. WE MAY HAVE DIFFERENT POLICIES AND PRACTICES REGARDING INFORMATION OBTAINED OFFLINE OR FROM OTHER WEBSITES OWNED OR MAINTAINED BY LADYBUG.COM, INC. BY ACCESSING LADYBUG.COM, YOU CONSENT AND AGREE TO THE TERMS BELOW.

Remember, if you use the Website or register with or provide any Personal Information to the Website, you agree to these terms. If you have questions or concerns regarding this Policy, you should contact the LadyBug.com, Inc. (LBI) site coordinator by sending an email to

We respect your privacy and are committed to protecting it through our compliance with this statement of Privacy Notice: Your Privacy Rights (this Privacy Policy). For purposes of this Privacy Policy, each of the terms we, us, or our, LadyBug.com Inc. or LBI, means LBI, a New York company. This website, mobile applications, electronic services, social networking sites, interactive features, online services, or any of our described online activities we own or control and the term this Site, means, collectively, this website and portions of other Web pages and Web content through which you have accessed this Privacy Notice: Your Privacy Rights page.

We may modify this Privacy Statement at any time. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of notice on the Site prior to the change becoming effective.

Your use of this Site is subject to this Privacy Policy and the Terms of Use. This Privacy Policy (together any other documents referred to in this Privacy Policy) describes information that we collect from you or that you provide on this Site and how that information may be used and disclosed by us.

Please read this Privacy Policy and the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat it.

By accessing, using or submitting information to this Site, you agree to this Privacy Policy and our Terms of Use. Read below about your choices with respect to the information you provide to us and how you can opt-out of certain communications and services. If you do not agree with the practices described in this Privacy Statement, please do not provide us with your personal information or interact with the Site.

This Privacy Policy may change from time to time and your continued use of this Site is deemed to be acceptance of such changes, so please check here periodically for updates.

Because our business needs may change over time, we reserve the right to change this Policy, including the way we use your Personal Information, at any time. Please review this Policy from time to time and before you provide any Personal Information to the Website. If we change this Policy, we will post those changes on the homepage of the Website and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. Your continued use of the Website following the posting of any changes to this Policy means you accept such changes. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy. Please review this Policy from time to time and before you provide any Personal Information to the Website.

In this Privacy Policy, personally identifiable information means information that identifies a particular individual, such as an individuals name, postal address, e-mail address, and phone number. Personally identifiable information does not include screen names or user names that you may provide to us or through this Site.

We will collect information, including Personal Information and Non-Identifying Information, when you interact with us and the Site, for example when you:

– access or use the Site;- register, subscribe, or create an account with LBI;- open or respond to our e-mails;- contact customer service or use other customer support tools;- provide information to enroll or participate in Other Programs provided on behalf of, or together with, Business Partners;- visit any page online that displays our ads or content;- purchase products or services on or through the Site;- connect or link to any Site via social networking sites;- post comments to Online Communities; and

provide information to our Vendors. This Privacy Statement does not apply to the collection of information in any way other than as listed above.

We may also collect personally identifiable information about you from third parties such as forums, instant messaging services, blogs, other users of our products and services and our business partners.

If you use any functionality on this Site allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy.

We may receive Personal Information about you from other sources with which you have registered, companies who we have partnered with (collectively, Partners) or other third parties. We may associate this information with the other Personal Information we have collected about you.

We also may collect certain non-personally identifiable information (that is, generic information that does not identify you personally) when you visit the Website or any of our web pages. As you use the Internet, a trail of electronic information is left at each website you visit. This information (which is sometimes referred to as click-stream data) can be collected and stored by a websites server. Click-stream data can tell us the type of computer and browsing software you use and the address of the website from which you linked to our Website.

We may use click-stream data and other non-personally identifiable information to anonymously determine how much time visitors spend on each page of our Website, how visitors navigate throughout our Website and how we may tailor our web pages to better meet the needs of visitors. We sometimes may use the non-personally identifiable information that we collect to improve the design and content of our Website and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze how our Website is used, as well as to offer you additional products, programs or services. We may share aggregate information with others, including our affiliates (Related Companies) and non-affiliated companies.

To enhance your online experience with us, we may use cookies. Cookies are text files placed on your hard disk by our web server to store your preferences. Cookies and similar tracking technologies, such as beacons, scripts, and tags, are small bits of code, usually stored on a users computer hard drive or device, which enable a website to personalize itself for each user by remembering information about the users visit to the website.Cookies, by themselves, do not reveal your email address or other Personal Information unless you choose to provide this information to us. However, once you choose to provide the Personal Information, this information may be linked to the data stored in the cookie. We use cookies as a convenient feature to save you time, to understand how our Website is used, to improve the content and offerings on our Website. For example, we may use cookies to personalize your experience at our web pages or recall your specific information on subsequent visits. We also may use cookies to offer you products, programs or services within the site and on other sites you visit on the internet. You can opt to have your browser reject cookies. If you do that, you may need to re-register with us every time you visit our Website in order to participate in certain promotions and programs. You should also know that companies that may advertise on our Website (and their agents) might use their own cookies. This Policy does not cover how these companies use their cookies.Third party vendors, including but not limited to Google, and Yahoo, may use cookies to serve ads based on users prior visits to our website. Users may opt out of third party vendors such as Googles use of cookies by visiting the Google advertising opt-out page.

We use your information, including any personally identifiable information, to:

– Provide services requested by you;- Provide customer support (including, responding to your requests), troubleshoot and resolve problems and – disputes;- Contact you to verify the information you provide to us;- Understand and anticipate your needs and preferences;- Ensure this Site is of interest to you (including, customization of advertising and content) and help us – better understand your use of this Site;- Protect the security and integrity of this Site;- Conduct internal reviews of this Site and administer this Sites systems;- Comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other – applicable agreements and policies;- Develop, enhance and market our products and services or the products and services of third parties;- Provide you with promotional materials, offers and personalized information;- Manage our business and operations;- Meet legal and regulatory requirements;- Provide administrative communications to you;- Use user-generated content as permitted in our Terms of Use; and- For other purposes as may be disclosed when you provide personally identifiable information or in this – Privacy Policy.

LBI will retain your personal information as long as reasonably needed to provide you with our services or to comply with applicable law. We will also retain your personal information as necessary to comply with our legal obligations, resolve disputes and enforce our contracts.

If you ask LBI to delete specific personal information from your customer account, we will honor this request unless deleting that information prevents us from carrying out necessary business functions, like billing for our services, calculating taxes, or conducting required audits.

Personal Information: You can make various choices about your customer account through the user portal, such as accessing it, correcting it or deleting it when you log into your LBI account. Any other requests about your data you cannot make through these self-service tools, you can request by emailing or contacting Customer Support.

Deactivating Your Account: If you wish to deactivate your account, you can do so by logging into your Ladybug.com account or by emailing us at .

Do Not Track: Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking across websites. LBI does not have a mechanism in place to respond to DNT signals. LBI does track some activity across websites (including your search terms, the website you visited before you visited or used the Services, and other clickstream data) and we may continue to collect information in the manner described in this Privacy Statement from web browsers that have enabled DNT signals or similar mechanisms.

Promotional Communications: You can opt out of receiving promotional messages from LBI by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, by texting STOP to (SMS CODE FOR LBI IF IT EXISTS), or by changing your notification settings by logging into your LBI user account. Opting out of receiving communications may impact your use of our services. If you decide to opt out, we can still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

California Privacy Rights: California law permits residents of California to request certain details about our disclosure of your personal information to third parties for direct marketing purposes during the immediately preceding calendar year. If you are a California resident and would like to request this information, please contact us at the address listed below.

Cross border Data Transfer: Our Site is operated in the United States. If you are located outside the US, your Personal Data will be transferred to the US, a jurisdiction that may not provide an equivalent level of protection as your home jurisdiction. The cross-border transfer to the US is necessary for the conclusion or performance of a transaction that you are requesting, and/or for the establishment, exercise, and defense of legal claims. To the extent permitted by local law, your use of the Site or provision of any Personal Data constitutes your consent to the cross-border transfer of Personal Data and the other activities identified in this Privacy & Cookies Policy.

Except as permitted by law or as otherwise disclosed in this Policy, we will not share your Personal Information with any person or entity without your opt-in or opt-out consent, with the following exceptions:

– You may be given the option to complete a form on the Website to request information online about your eligibility.- We may collect your Personal Information from websites of our partners that are powered by LBI and share this information with them.- Social Media (e.g., Facebook or Twitter): If you are logged into a third party account, such as Facebook, and you access but are not logged into the Site, we may receive information from that third party account to make it easier for you to create an account on the Site and show you relevant content from others. This information personalizes your experience and helps you create an account. You can also connect your account to your accounts on third party services like Facebook or Twitter, in which case we may collect and store information identifying your account with the third party service. We use the information to help you connect and share public content with your friends and followers.- We may also share your Personal Information with other partners that are acting as our agents and are bound contractually to use or disclose your Personal Information only in accordance with this Policy.

We will not share the Personal Information you provide except (a) as permitted by applicable law; (b) where such disclosure has been described on the Website or in this Policy or you have otherwise consented to such disclosure; (c) as a result of our belief that the disclosure may be permitted or required by law or may be necessary to protect our company or others from injury (e.g., in response to a court order or subpoena or law enforcement agency request or when we believe that someone is causing or may cause injury or is interfering with the rights or property of another); or (d) with third parties with which we contract to carry out our business activities (e.g., sending out a promotional item that you have qualified for on the Website, contacting you to complete your pending applications or purchases, or sharing information with our business partners in connection with the site that is powered by LBI and operated under another brand).

Except as otherwise indicated in this Policy, we will only supply your Personal Information to a third party with your opt-in or opt-out consent. In these cases, you will be given the option to opt in or opt out based upon information disclosed at the time your information is collected. If you do not opt in, or you opt out, your information will not be disclosed.

Finally, please note that the Personal Information you provide to the Website is considered a company asset and may be included among transferred assets if LBI, any of its Related Companies or any of their assets are ever acquired by a third party.

This section applies only to California residents. Pursuant to the California Consumer Privacy Act of 2018 (CCPA), below is a summary of the Personal Information categories, as identified and defined by the CCPA (see California Civil Code section 1798.140 (o)), that we collect, the reason we collect your Personal Information, where we obtain the Personal Information, and the third parties that we share your Personal Information.

a) Personal Information Categories We Collect

We generally collect the following categories of Personal

Information about your when you use our Services:

identifiers such as a name, address, unique personal identifier, email, phone number, your devices IP address, software, and identification numbers associated with your devices;

protected classifications, such as gender;

commercial information such as records of products or services purchased, obtained, or considered by you;

Internet or other electronic information regarding you browsing history, search history, the webpage visited before you came to our Site, length of visit and number of page views, click-stream data, locale preferences, your mobile carrier, date and time stamps associated with transactions, and system configuration information;

your geolocation, to the extent you have configured your device to permit us to collect such information;

audio recordings of your voice to the extent you call us, as permitted under applicable law;

professional or employment-related information; and

inferences about your preferences, characteristics, behavior and attitudes.

We generally do not collect biometric information, or education-related information. For more information about the Personal Information we collect and how we collect it, please refer to the appropriate section herein.

b) Purposes for Processing Personal Information Under the CCPA

We collect your Personal Information for the business purposes described herein. The CCPA defines a business purpose as the use of Personal Information for the businesss operational purposes, or other notified purposes, provided the use of Personal Information is reasonably necessary and proportionate to achieve the operational purpose for which the Personal Information was collected or another operational purpose that is compatible with the context in which the Personal Information was collected.

The following activities are considered business purposes under the CCPA: auditing related to a current interaction with the consumer and concurrent transactions, and auditing compliance with laws and other standards; detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity; performing services on behalf of the business, including maintaining or servicing accounts, providing customer service, verifying customer information; repairing errors that impair existing intended functionality; Internal research for technological development; verifying or maintaining the quality or safety of, and improving, upgrading, or enhancing, a service or device that is owned, manufactured by, manufactured for, or controlled by the company.

The categories of third parties with whom we may share your Personal Information are listed in the section entitled Disclosure of Your Personal Information herein.

If you are a California resident, you have rights in relation to your Personal Information; however, your rights are subject to certain exceptions. For instance, we cannot disclose specific pieces of Personal Information if the disclosure would create a substantial, articulable, and unreasonable risk to the security of the Personal Information, your account with us or the security of our network systems.

Right Against Discrimination You have the right not to be discriminated against for exercising any of the rights described in this section. We will not discriminate against you for exercising your right to know, delete or opt-out of sales.

Right to Know You have the right to request in writing: (i) a list of the categories of personal information, such as name, address, email address, that a business has disclosed to third parties during the immediately preceding calendar year for the third parties direct marketing purposes, and (ii) the names and addresses of all such third parties. In addition, you have the right to request: (i) the categories of personal information we have collected about you, (ii) the categories of sources from which personal information is collected, (iii) the business or commercial purpose for the information collection, (iv) the categories of third parties with whom we have shared personal information, and (v) the specific pieces of personal information we hold about an individual. You have the right to request a copy of the specific Personal Information we collected about you during the 12 months before your request.

Right to Delete You have the right to request us delete any Personal Information we have collected from you or maintain about you, subject to certain exceptions.

To assert your right to know or your right to delete your Personal Information, please contact us at To verify your identity, we may ask you to verify Personal Information we already have on file for you. If we cannot verify your identity from the information we have on file, we may request additional information from you, which we will only use to verify your identity, and for security or fraud-prevention purposes.

Right to Opt-Out of Selling The CCPA broadly defines personal information and selling such that sharing identifiers and identifiers linked to you for a benefit may be considered a sale. You have the right to opt-out of having your Personal Information sold. We do not sell your Personal Information. However, in 2019, we were sharing identifiers and inferences about you with our business partners in such a way that, under the CCPA, may be defined as selling. As noted above, you have the right to know the categories of Personal Information that we sold about you and the categories of third parties with whom we shared such information.

If you are a California resident you may request a notice from us describing what categories of Personal Information (if any) we have shared with third parties, including our corporate affiliates, for direct marketing purposes during the preceding calendar year. You may request such notice once a year and free of charge. To request a notice, please email us at . In your request, please specify that you want a California Privacy Rights Notice. We will respond to you with thirty (30) days or as permitted by law.

We may disclose your Personal Information as described below.

a) Within Our Corporate Organization

Ladybugs.com is a part of a corporate organization that has many legal entities, business processes, management structures and technical systems. Ladybugs.com may share your Personal Information with this organization in order to provide you with the Services and take actions based on your request.

We may employ third-party companies and individuals to facilitate our Services (Service Providers), provide the Services on our behalf, perform Service-related services or assist us in analyzing how our Services are used. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

If Ladybugs.com is involved in a merger, acquisition or asset sale, your Personal Information may be transferred. We will provide notice before your Personal Information is transferred and becomes subject to a different privacy policy.

Under certain circumstances, Ladybugs.com may be required to disclose your Personal Information if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency). Ladybugs.com may disclose your Personal Information in the good faith belief that such action is necessary to:

• protect and defend the rights or property of Ladybugs.com;

• prevent or investigate possible wrongdoing in connection with the Service;

• protect the personal safety of users of the Service or the public; and

Our Website may contain links to other websites operated by third parties (collectively, the Third-Party Sites). Such Third-Party Sites may have information practices that are different from those described in this Policy. You should check the other privacy notices made available on such Third-Party Sites.

On this Website, when you provide us with an email address for a referral, we may share your name and email address as well as the recipients email address with a third party as necessary in order to provide this referral service. If you choose to use our referral service to tell a friend about our Website, we will ask you for your friends name and email address. We will automatically send your friend an email inviting him or her to visit the Website. This third party stores this information for the sole purpose of sending communications and tracking the success of our referral program. You or your friend may contact us at , or use the link provided in each email, to request that we remove this information from our database.

From time to time we may supplement the Personal Identifiable Information you provide through our Website with information from other sources, such as information validating your address. Thus, information we obtain through our Website may be intermingled with and used in conjunction with information obtained through sources other than our Website, including both offline and online sources.

We maintain physical, electronic, and managerial procedures designed to comply with federal guidance to safeguard and help prevent unauthorized access to, maintain data security of and correctly use the Personal Identifiable Information collected through our Website. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from our Website may not be secure. When your Personal Identifiable Information is passed on to non-affiliated companies, to the extent practical, we require that they also have in place the appropriate safeguards. We cannot, however, guarantee that they do. Please keep these disclaimers in mind when disclosing any Personal Information via our Website.

This Site is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13 years of age, please do not send or post any information about yourself (whether your name, address, telephone number or e-mail address) to us or on this Site. In the event that we learn that we have collected personal information from a child younger than 13 years old, we will delete that information and terminate the childs account (if any). If you believe that a child has provided us with personal information without parental consent, please contact us at .

If you live outside the United States (including in the European Economic Area (EE) and Switzerland (CH) collectively the EEA/CH), and you use the Site or provide us with Personal Information directly via the Site, your information will be handled in accordance with this Privacy Statement. By using the Site or giving us your Personal Information, you are directly transferring your Personal Information and Non-Identifiable Information to us in the United States. The United States may not have the same level of data protection as your jurisdiction. However, you agree and consent to our collection, transfer, and processing of your Personal Information and Non-Identifiable Information in accordance with this Privacy Statement. You are solely responsible for compliance with any data protection or privacy obligations in your jurisdiction when you use the Site or provide us with Personal Information. Regardless of where we transfer your information, we still protect your information in the manner described in this Privacy Statement.

We hope we can resolve any disputes relating to our data protection practices between us. You can raise your concern or dispute by emailing our Privacy Officer at or by writing to us at:

1930 Veterans Memorial Highway Suite 12-436

For individuals in the EEA, you have additional rights to make a complaint to a competent data protection authority or commence proceedings in a court of competent jurisdiction in accordance with applicable data protection laws.

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Ladybug.com, Inc. (LBI) makes the interactive online service, located at (the Website) available to its end users (End Users) in accordance with the terms and conditions of this end user agreement (the Agreement). The Website may only be used for lawful purposes to earn cash back rebates on completed travel bookings purchased through the Website.

The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these Terms of Use), govern your access to and use of including any content, functionality and services offered on or through this Website, whether as a guest or a registered user.

You and your refer to you, as a user of this Website. A user is someone who accesses, browses or otherwise uses this Website.

Please read the Terms of Use carefully before you start to use this Website. By using this Website, you accept and agree to be legally bound and abide by all Terms and Conditions contained herein; if you do n

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