Privacy and Cookies
Consumer Privacy Notice
Bradesco Investments Privacy Notice
Online Privacy Notice
California Consumer Privacy Act (CCPA)
Children’s Privacy Policy
Others
Consumer Privacy Notice
Bradesco Bank shares information about your creditworthiness with its affiliates, Banco Bradesco, S.A., Bradesco Investments Inc. and Bradesco Global Advisors Inc. , for everyday business purposes, and allows Banco Bradesco, S.A., Bradesco Investments Inc. and Bradesco Global Advisors Inc. to use your personal information to market their products and services to you. Bradesco Bank’s Privacy Policy is designed to protect your personal information and we will not share your personal information with non-affiliates for marketing purposes.
Customer relationship means a continuing relationship between a consumer and us under which we provide one or more financial products or services to the consumer that are to be used primarily for personal, family or household purposes.
Should you wish to opt out from our sharing your personal information with our affiliates, please complete and submit our opt out form. A consumer may exercise the right to opt out at any time.
Our Privacy Policy does not apply to information about companies or individuals who obtain financial products or services for business, commercial, or agricultural purposes.
Download the Consumer Privacy Notice
Last Updated: 03.2023
WHAT DOES BRADESCO BANK DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
Social Security number and account balances
Account transactions and checking account information
Wire transfer instructions and mortgage rates and payments
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bradesco Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Bradesco Bank share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
YES
NO
For our marketing purposes –
to offer our products and services to you
YES
NO
For joint marketing with other financial companies
NO
We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences
YES
NO
For our affiliates’ everyday business purposes – information about your creditworthiness
YES
YES
For our affiliates to market to you
YES
YES
For nonaffiliates to market to you
NO
We don’t share
To limit
our sharing
Call 305-789-7000 for additional information or
Visit us online: https://bradescobank.com/opt-out-form.html
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. 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
Questions?
Call 305-789-7000 or go to https://bradescobank.com/privacy-and-security.html
Who we are
.
Who is providing this notice?
Bradesco Bank
What we do
.
How does Bradesco Bank 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 physical, electronic, and procedural safeguards (including, without limitation, secure servers, firewalls, antivirus, restricted access to files, and restricted access to offices) that comply with federal standards.
How does Bradesco Bank collect my personal information?
We collect your personal information, for example, when you
open an account
make a wire transfer
apply for a loan
give us your contact information
show your government-issued ID
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.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Definitions
.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
Our affiliates include financial companies such as Bradesco Investments Inc., Bradesco Global Advisors Inc., and Banco Bradesco S.A.
Non-affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Bradesco Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Bradesco Bank doesn’t jointly market.
Other important information
California Residents. California laws place additional limits on sharing information about their residents. We will not share information we collect about you with our family of companies and non-affiliated third parties, except as permitted by law. We also send California residents a separate notice for additional choices.
North Dakota Residents: We will not share information we collect about you with non-affiliated third parties, except as permitted by law.
Bradesco Investments Privacy Notice
Download the Bradesco Investments Privacy Notice
Last Updated: 06.2024
WHAT DOES BRADESCO INVESTMENTS DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect, and share depend on the product or service you have with us. This information can include:
Passport, Driver’s License, other identification and
Tax Identification number Account balances, holdings, expected transactional and wire transfer activity Employment status and income
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Bradesco Investments chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
Does Bradesco Investments share?
Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s}, respond to court orders and legal investigations, or report to credit bureaus
YES
NO
For our marketing purposes –
to offer our products and services to you
YES
NO
For joint marketing with other financial companies
NO
We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences
YES
NO
For our affiliates’ everyday business purposes – information about your creditworthiness
YES
YES
For our affiliates to market to you
YES
YES
For non-affiliates to market to you
NO
We don’t share
To limit
our sharing
Call 305-789-7000 for additional information or
Visit us online: https://bradescobank.com/opt-out-form.html
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. 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
Questions?
Call 305-789-7000 or go to https://bradescobank.com/privacy-and-security.html
Who we are
.
Who is providing this notice?
Bradesco Investments, Inc
What we do
.
How does Bradesco Investments
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.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.
How does Bradesco Investments collect my personal information?
We collect your personal information, for example, when you Open an account or seek advice about your investments Direct us to buy securities or to sell your securities Provide account documentation, identification or income information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal laws gives you the right to limit only
sharing for affiliates’ everyday business purposes-information about your credit worthiness
affiliates from using your information to market to you
sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account – unless you direct us otherwise in writing.
Definitions
.
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include financial companies such as Bradesco Bank, Banco Bradesco S.A and Bradesco Global Advisors.
Non-affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Bradesco Investments does not share with non-affiliates so they can market to you.
Joint marketing
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Bradesco Investments does not jointly market.
Other important information
California Residents. California laws place additional limits on sharing information about their residents. We will not share information we collect about you with our family of companies and non-affiliated third parties, except as permitted by law. We also send California residents a separate notice for additional choices.
North Dakota Residents: We will not share information we collect about you with non-affiliated third parties, except as permitted by law.
Online Privacy Notice
Online Privacy Notice
This Online Privacy Notice (Notice) applies to use of the Bradesco Bank website or mobile application (“Site”). The terms “we,” “our,” and “us” in this Notice refer to Bradesco Bank. This notice describes how we may collect, share and use information about you based on your interaction with our websites, advertisements, third party websites and Bradesco branded social media sites or pages and the choices you can make about how your information is collected and used throughout the website. Your use of the site constitutes your acceptance of our general terms and conditions, which we may change or modify at any time at our sole and absolute discretion, and which are available on our Disclosure. If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice.
About the information we collect
Personal information
When you browse our Site or use our online services we may collect personal information you voluntarily provide to us through forms on our website or in our mobile applications, such as:
Survey forms;
Credit card or bank account applications;
Contest entries;
Login pages for online banking or mobile application access;
Documents or images submitted;
Image Collection and Usage
Our app collects and uses images to enhance the user experience and provide specific features. The types of images we collect include:
- User-uploaded images
- Images captured using the device’s camera
Purpose of Image Collection
We collect images for the following purposes:
- To personalize the app experience
- To enable specific app features, such as image editing or sharing
Usage of Collected Images
Collected images are used within the app for the following purposes:
- Processing images for analysis or manipulation
Data Retention
We retain collected images for as long as necessary to fulfill the purposes outlined in this privacy policy.)
Other information
Other Information is any information other than personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.
How we collect information
In addition to the information you provide during the course of your visit of the website we may collect certain non-personal information through a variety of ways, including:
Your browser
When you visit our site, we collect the IP address of the device as well as the type of browser you are using and the type of operating system. We will also note which site you came from or the advertisement you viewed or clicked on. We may use this information for a number of purposes, such as, to monitor website usage and/or performance, improve the customer experience on the website, ensure technological compatibility with visitors’ computers or other electronic or mobile devices, or to conduct aggregate analyses on usage patterns.
Cookies
Cookies are small files that capture information about your activity on this Site and are stored directly on your computer. The type of information gathered may include pages visited and time spent on the Site. No Personally Identifiable Information (“PII”) is gathered or stored via cookies. We may use the information to display information more effectively, to personalize your online experience and to advertise our products via third party advertising partners. You can block cookies by configuring your device and browser settings accordingly. You will need to manage your cookie settings for each device and browser you use. Doing so, however, may result in diminished performance on the Site. You may opt-out of some information collected by clicking through to the following link: https://tools.google.com/dlpage/gaoptout/.
Web beacons
A web beacon is a small string of software code that represents a graphic image on a website or email. This image is transparent and does not affect how the site is displayed. However, the code attached to the image records interactions to a webpage, for instance when a specific page is visited or when a button or hyperlink is clicked on a page. You cannot turn off these features; however, the tracking capability is dependent of your browser settings. If cookies are disabled, the web beacon cannot interact back with your computer.
Use of information
The information we collect is used to better serve your needs. We may use your information to verify your identity in order to allow access to your account(s) when you return to our website, to provide you with personalized offers and promotions about products and services, to optimize your online experience with us.
Advertising on third party website
We may contract with advertising companies to advertise our products and services on third-party websites and mobile apps. We may use non-personally identifiable information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Also, these companies may use cookies and tracking pixels/web beacons to display these advertisements on third-party websites to measure the effectiveness of the ads and understand your interests. The information collected and shared via cookies is anonymous and contains no PII. You may choose to opt-out of the use of third-party marketing cookies through the Network Advertising Initiative. The opt-out choice is valid only for the computer/browser combination used to opt-out. If you delete cookies, buy a new device, access our site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again.
Link to other websites
We may provide links to third party sites that we do not own or control. We do not endorse and are not responsible for the products, services, or information you may find there. This other site may not follow the same privacy policies and procedures that we do, so please review its policies and procedures carefully.
Changes to this notice
This notice is subject to change at any time and from time to time, at our sole and absolute discretion. It is your sole responsibility to review it periodically. If we modify the notice, we will post the revised statement here, and indicate the updated revision date at the top on this notice. Any changes to this notice will become effective when the revised notice is posted on the Site. Your use of this Site following these changes constitutes acceptance of the revised notice.
Security
To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws.
California Consumer Privacy Act (CCPA)
California Consumer Privacy Act (CCPA)
EFFECTIVE: February 26, 2021
This California Consumer Privacy Act Notice (“Notice”) explains how Bradesco Bank (“Bank” “we” “our” or “us”) and its affiliates collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA and how they can exercise those rights. This Notice applies solely to California residents and supplements any other privacy policies or notices applicable to the Bradesco Bank services that you visit or use.
INFORMATION WE COLLECT AND HOW WE COLLECT IT
We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information” or “PI”). The CCPA does not apply to personal information collected, processed, sold, or disclosed pursuant to the Gramm-Leach-Bliley Act (“GLBA”). The personal information of California residents we collect, process, or disclose pursuant to this Notice does not include (i) publicly available information, (ii) de-identified or aggregate consumer information, (iii) information excluded from the CCPA’s scope, such as GLBA personal information, and (iv) personal information collected for a single, one-time transaction in the ordinary course of business, and not retained.
The categories of personal information we collect depend on the product or service you have with us, and your use of Bradesco Bank websites and services. The chart below outlines the categories of personal information (as defined by the CCPA) and the examples provided for each category are taken from the CCPA and are included to help the customers understand what each category means. However, the list below is for illustrative purposes only and DOES not indicate what we actually may have collected over the past 12 months.
Categories of Personal Information x Examples
Categories of Personal Information
Examples
(for illustrative purposes only)
(for illustrative purposes only)
Personal Identifiers
Name, alias, postal address, unique personal identifier, online identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
Other Identifying Information
A signature, description of your physical characteristics, address, phone number, state identification card number, date of birth, family member information, bank account number, credit card number, debit card number or other payment or financial information, education, employment, employment history, medical information or health insurance information.
Characteristics of Protected Class
Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Personal Identifiers
Name, alias, postal address, unique personal identifier, online identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
Commercial Information
Policy coverage information, premiums, and payment history. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Driving record, claims history, and credit information.
Internet or Other Electronic Network Activity Information
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, voice print, retinal print, scan of hand or facial geometry.
Geolocation Information
Physical location, movements, or trip tracking information.
Multimedia Information
Audio, electronic, visual, or similar information.
Employment Information
Professional or employment-related information.
Education Information
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
Inferences
Inferences drawn from any personal information collected to create a profile reflecting preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
We may obtain the categories of personal information listed above from the following sources:
Directly from our customers or their agents. For example, from documents that our customersprovide to us related to the products and services that we offer to them.
From our banking website(s) or banking mobile application(s). For example, we collect certain personal information when customers visit our banking website(s) or use our banking mobile application(s).
From third parties that interact with us in connection with the services they perform for us. For example, from third parties that process debit card transactions.
HOW WE SHARE YOUR PERSONAL INFORMATION
We will only use or disclose your personal information for the purpose(s) it was collected and as otherwise identified in this notice. We do not sell your personal information to any other business or third parties for monetary or other valuable considerations. We may share your personal or other information with third parties for business purposes as follows:
Service providers: Personal information may be shared with service providers who perform services on our behalf for a business purpose including providers that:
Provide marketing and advertising, email, or other communication services.
Provide services that support our online activities including providing tracking technologies, web hosting and analytics.
Provide tax and accounting, legal services, delivery, and data enhancement services.
Provide technology services and enhance security, privacy, and fraud protections.
Provide analytics services or conduct research or actuarial studies.
Provide support to our operations.
Online marketing and advertising partners: We may share personal and other information with third party online marketing and advertising partners or permit these partners to collect information from you directly on our sites to personalize online advertising.
Third parties in connection with a business transaction: Personal information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all of our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or related or similar proceedings.
Law enforcement, regulators, and other parties for legal reasons: Personal information may be disclosed to third parties, as required by law or subpoena, or if we reasonably believe such action is necessary to:
Comply with the law and the reasonable requests of regulators, law enforcement or other public authorities.
Protect our or others safety, rights, or property.
Investigate fraud or to protect the security or integrity of our sites or any product or services.
YOUR CALIFORNIA PRIVACY RIGHTS AND CHOICES
Right to Access Your Personal Information: You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve months including:
The categories of personal information collected about consumers.
The specific pieces of personal information we have about you.
The categories of sources from where personal information was collected.
The business purpose for collecting personal information.
The categories of third parties with whom we share personal information.
Right to Deletion of Personal Information: You have the right to request we delete the personal information we collected, with certain exceptions. We will delete your personal information in response to a verifiable request unless needed for the following:
To complete a transaction for which we collected the personal information, provide a good or service you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify or repair errors that impair functionality.
Exercise free speech ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation, including compliance with the California Electronic Communications Privacy Act, or
Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Non-Discrimination Rights: You have the right not to receive discriminatory treatment by us for the exercise of your CCPA rights. Unless permitted by the CCPA, we will not (i) deny you goods or services, (ii) charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties, (iii) provide you a different level or quality of goods or services, (iv) suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
To better protect you and your personal information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide certain information, which we will only use to verify your identity or authority to make the request. To submit the access or deletion rights described above, please submit a verifiable consumer request by one of the following methods:
Call: 305-789-8077 | Email us at: contact@bradescobank.com
You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative which, at a minimum, should include:
Describe your request to allow us to properly understand, evaluate, and respond; and
Provide sufficient information for us to verify you are the California resident whom we collected Personal Information or an authorized representative of such resident. The information you provide must include:
Confirmation of California residency
Full name
Address
Email address
Other information that authenticates you (if a customer) or verifies you (if non-customer or authorized party).
*Please note the address you provide must be a California address you have given to us in relation to your account.
We cannot proceed with your request if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within 45 calendar days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will cover the 12-month period preceding receipt of the verifiable consumer request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. To protect your personal information, we will not provide specific pieces of personal information to you.
COOKIES AND OTHER TRACKING TECHNOLOGIES
Cookies are small files that capture information about your activity on this Site and are stored directly on your computer. The type of information gathered may include pages visited and time spent on the Site. No personally identifiable information is gathered or stored via cookies. We may use the information to display information more effectively, to personalize your online experience and to advertise our products via third party advertising partners. You can block cookies by configuring your device and browser settings accordingly. You will need to manage your cookie settings for each device and browser you use. Doing so, however, may result in diminished performance on the Site.
LOG FILES
Like many other web sites, our site makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring, exit pages, and number of clicks to analyze trends, administer the site, track user’s movements around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
OTHER AVAILABLE CHOICES
Email Marketing: If you opt-out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices. To opt out from receiving marketing and promotional emails, please email us at marketing@bradescobank.com or contact us at the following address 3011 Ponce de Leon Blvd, PH2, Coral Gables, FL 33134 USA.
SOCIAL MEDIA, LINKS AND EXTERNAL SITES
Links to other company’s websites may be provided on the Bradesco Bank sites as a convenience to you. If you choose to go to these external websites, you will be subject to the privacy practices of those external websites – Bradesco Bank is not responsible for the privacy practices of those websites. We encourage you to be aware when you leave our site to read the privacy notices of every website you visit, as those privacy notices may differ from ours. Our Privacy Notice applies solely to the sites where this Privacy Notice appears.
INFORMATION SECURITY
We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database, or system is completely secure or “hacker proof.” So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse. We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.
POLICY TOWARDS CHILDREN
Bradesco Bank does not knowingly collect personal information directly from minors. Any information we collect from minors is always with the consent of a parent or guardian. If you are under 16 years old, do not use or provide any information on our website or on or through our services.
SALE OF PERSONAL INFORMATION
Bradesco Bank does not engage in the sale of personal information. As noted elsewhere in this Notice, we may share personal information with other businesses for a variety of reasons, we do not share personal information for the sole purpose of receiving compensation for that information.
CHANGES TO OUR PRIVACY NOTICE
We reserve the right to update or revise this Privacy Notice at our discretion and at any time. The date at the top of this page shows when this Notice was last revised. We will let you know when we update the Notice by changing the date or other appropriate means.
Children’s Privacy Policy
Children’s Privacy Policy
Our website, applications and services are not intended for children under the age of 13. By using our website and applications you affirm that you are over the age of 13. We do not knowingly collect personal information from individuals under the age of 13 without parental consent.
The Children’s Online Privacy Protection Act (“COPPA”) protects children under the age 13 from the online collection of personal information. For more information about COPPA, visit the Federal Trade Commission’s Website.
Others
Changing your information
Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate, or not current, please login to your online banking account to update your information. If you cannot change the information online, or prefer to request changes offline, please use the Contact Us option on our website. You can also speak to your Account Officer directly
*For your protection, when communicating with us via email, please DO NOT include any confidential information.
