Privacy Policy
Last Updated June 2, 2023
govcashoutconnect.com (the "Website," "we," "our," or "us") takes
your privacy seriously. Please read the following to learn more
about our privacy policy. By visiting this website, you are
accepting the practices described in this Privacy Notice. What This
Privacy Policy Covers
-
This policy covers how we treat personal information that the
website collects and receives, including information related to
you're past use of our products and services. Personal information
is information about you that is personally identifiable like your
name, address, email address, IP address, or phone number, and
that is not otherwise publicly available.
-
This policy does not apply to the practices of companies that we
does not own or control, or to people that we do not employ or
manage.
Information Collection and Use General
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The website collects personal information when you register with
us. We may combine information about you that we have with
information we obtain from business partners or other companies.
-
When you register we ask for information such as your name,
address, phone number, email address and zip code. Once you
register with us and sign in to our services, you are not
anonymous to us.
-
We collect information about your transactions with us and with
some of our business partners, including information about your
use of financial products and services that we offer.
-
The website automatically receives and records information on our
server logs from your browser, including your IP address, cookie
information, and the page you request.
-
We use information for the following general purposes: to fulfill
your requests for products and services, improve our services,
contact you, conduct research, and provide anonymous reporting for
internal and external clients.
-
We reserve the right to send you certain communications relating
to our services, such as service announcements, administrative
messages, special offers and an website Newsletter.
-
We may share personal information about you with trusted partners
who work on behalf of or with us in accordance with the Telephone
Consumer Protection Act (TCPA), however, we will never sell or
rent your email address . Our trusted partners may use your
personal information to help us communicate with you about offers
from the website and our marketing partners. You may receive
certain communications relating to our services, such as service
announcements, administrative messages, special offers and a
Newsletter.
-
We may provide personal contact information about you with our
trusted partners who work on behalf of or with us. These companies
may use your personal information to help us communicate with you
about offers from us and our marketing partners. Under no
circumstances will your email address be shared with any of our
trusted partners
Confidentiality and Security
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We limit access to personal information about you to employees who
we believe reasonably need to come into contact with that
information to provide products or services to you or in order to
do their jobs.
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We have physical, electronic, and procedural safeguards that
comply with federal regulations to protect personal information
about you.
Cookies
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We may set and access cookies on your computer. We use this
information for Web Site and Systems Administration.
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Cookies are alphanumeric identifiers that we transfer to your
computer's hard drive through your Web browser to enable our
systems to recognize your browser and to provide features and
storage of items in your Shopping Cart between visits.
GDPR and CASL Compliance
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Unfortunately, we are not in a position to accept registrants who
are not U.S. Citizens. The CASL and GDPR regulations, in
particular, provide certain rights to their citizens which are not
the same as the United States. For this reason, we do not accept
registrations from any citizen outside the United States. Our
services are specifically designed for United States citizens. We
have expunged all European Union Member and Canadian Citizens data
to the extent we have been made aware of the same. If you are a
European Union Member, Canadian or any country outside of the
United States citizen, please notify us at
[email protected]
This section of the Privacy Policy supplements the information
contained elsewhere in our Privacy Policy and applies solely to
visitors, users, an others who reside in the state of California
(“Consumers”). The provisions contained within this section are
intended to provide notices in compliance with the California
Consumer Privacy Act of 2018 (“CCPA”). Any terms defined by the
CCPA have the same meaning when used in this section.
Personal Information Collected
We collect Personal Information provided by Consumers through the
Site. In the past 12 months, we have collected the following
Personal Information from Consumers:
| Category of Information |
Examples |
Information Collected |
| Identifiers |
A real name, alias, postal address, unique personal identifier,
online identifier, Internet Protocol address, email address,
account name, Social Security number, driver's license number,
passport number, or other similar identifiers.
|
Yes |
|
Categories of personal information described in subdivision (e)
of Section 1798.80.
|
A name, signature, social security number, physical
characteristics or description, address, telephone number,
passport number, driver's license or state identification card
number, insurance policy number, education, employment,
employment history, bank account number, credit card number,
debit card, or any other financial information, or health
insurance information.
|
Yes |
|
Characteristics of protected classifications under California or
federal law
|
Age (40 years or older), 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
military status, genetic information (including familial genetic
information).
|
No |
| Commercial Information |
Records of personal property, products or services purchased,
obtained, or considered, or other purchasing or consuming
histories or tendencies.
|
Yes |
| Biometric information |
An individual's physiological, or biological or behavioral
characteristics, including an individual's deoxyribonucleic acid
(DNA), that can be use, singly or in combination with each other
or with other identifying data, to establish individual
identity, including but not limited to, imagery of the iris,
retina, fingerprint, face, hand, palm, vein patterns, and voice
recordings, from which an identifier template, such as a
faceprint, a minutiae template, or a voiceprint, can be
extracted, and keystroke patterns or rhythms, gait patterns or
rhythms, and sleep, health, or exercise data that contain
identifying information.
|
No |
| Internet or other electronic network activity information |
Browsing history, search history, and information regarding a
consumer's interaction with an Internet Web site, application,
advertisement.
|
No |
| Geolocation |
Physical location, position, and movement data. |
No |
| Sensory information |
Audio, electronic, visual, thermal, olfactory, or similar
information.
|
No |
| Professional or employment-related information |
Present and past employment data. |
No |
| Education information |
Education records maintained by educational institutions or
third parties on behalf of these institutions.
|
No |
| Inferences drawn from any other information |
Data reflecting a consumer's preferences, characteristics,
habits, attitudes, predispositions, intelligences, and
abilities.
|
No |
The categories of Personal Information described above are collected
from the following categories of sources:
-
Directly from Consumers or their agents, such as through
Consumers’ responses to our web forms.
-
Directly and indirectly from activity on our Website, such as
through Consumers’ interaction with our Website.
-
From third parties that work with us to provide services to
Consumers, such as third parties that we connect Consumers with to
fulfill their requests.
Uses of Personal Information
The information we collect is used to:
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Fulfill the purpose for which the information was provided by the
Consumer.
-
Perform the activities described to Consumers when collecting
their Personal Information or as set forth in the CCPA.
-
Provide the Consumer with information, products, or services that
have been requested.
- Perform internal and external marketing.
- Carry out obligations and enforce contractual rights.
-
Improve the services provided through the Website, such as through
testing, research, analysis, and development.
-
Respond to requests from law enforcement and government
organizations as required by law, court order, or government
regulation.
-
Evaluate or conduct a merger, divestiture, restructuring,
reorganization, dissolution, sale, or other transfer of some or
all of our assets whether on an ongoing basis or as part of a
discrete transaction in which collected Personal Information is
among the assets transferred.
Personal information will not be used for materially different
purposes without first providing the Consumer with notice.
Sharing and Sale of Personal Information
We do not disclose Personal Information provided to us by Consumers
for a business purpose. Personal information for minors under 16
years of age is not collected, disclosed for a business purpose or
sold.
Consumers’ Rights
Consumers have several rights under the CCPA. These include:
-
The right to know what categories and specific pieces of Personal
Information are collected, disclosed for a business purpose, or
sold by requesting this information from us.
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The right to request deletion of Personal Information collected or
maintained by us.
- The right to opt-out of the sale of Personal Information.
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The right not to receive discriminatory treatment from us for
choosing to exercise privacy rights under the CCPA.
-
The right to designate an authorized agent for making requests
under the CCPA on the Consumer’s behalf.
Even after fulfilling a request for deletion, we are required to
maintain records for statutory compliance. To submit a request to
know or delete Personal Information complete the form provided
here
. Once we have received a request, we work with Consumers to verify
their identities. As part of the verification process, we work with
OneTrust. Depending on the type of request submitted, OneTrust may
request information from the Consumer, such as an email address,
phone number, or government issued identification card. More
information about OneTrust’s identification process is found
here.
If a Consumer has asked an agent to exercise rights on the
Consumer’s behalf, the agent’s identity will need to be verified by
providing a writing from the Consumer designating the agent in
addition to any information requested through OneTrust.
Do not track browser settings
-
Advertisers may collect data about your online browsing activity
and use it to show you targeted ads (a process known as
"behavioral advertising"). You can prevent companies from showing
you targeted ads by submitting opt-outs to those service
providers. Opting-out will only prevent targeted ads so you may
continue to see generic (non-targeted ads) from these companies
after you opt-out. You may opt-out of behaviorally targeted ads
anytime by deleting your browser's cookies.
Information Sharing and Disclosure
-
Information You Give Us: We receive and store any information you
enter on our Web site or give us in any other way. You can choose
not to provide certain information, but then you might not be able
to take advantage of many of our features. We use the information
that you provide for such purposes as responding to your requests,
customizing future shopping for you, improving our stores, and
communicating with you.
-
Automatic Information: We receive and store certain types of
information whenever you interact with us. For example, like many
Web sites, we use "cookies," and we obtain certain types of
information when your Web browser accesses this site.
-
Agents: We employ other companies and individuals to perform
functions on our behalf. Examples include fulfilling orders,
delivering packages, sending postal mail and e-mail, removing
repetitive information from customer lists, analyzing data,
providing marketing assistance, providing search results and links
(including paid listings and links), processing credit card
payments, and providing customer service. They have access to
personal information needed to perform their functions, but may
not use it for other purposes
-
We may share personal information about you with trusted partners
who work on behalf of or with us. These companies may use your
personal information to help us communicate with you about offers
from the website and our marketing partners. You may receive
certain communications relating to our services, such as service
announcements, administrative messages, special offers and a
Newsletter.
-
We may provide personal contact information about you with our
trusted partners who work on behalf of or with us. These companies
may use your personal information to help us communicate with you
about offers from us and our marketing partners.
-
We respond to subpoenas, court orders, or legal process, or to
establish or exercise our legal rights or defend against legal
claims
-
We believe it is necessary to share information in order to
investigate, prevent, or take action regarding illegal activities,
suspected fraud, violations of our terms of use, or as otherwise
required by law.
-
We transfer information about you if we are acquired by or merged
with another company. In this event, we will notify you before
information about you is transferred and becomes subject to a
different privacy policy.
Changes to this Privacy Policy
-
We may update this policy. We will notify you about significant
changes in the way we treat personal information by sending a
notice to the primary email you entered or by placing a prominent
notice on our site.
Wireless Policy
We may use personal information to provide the services you've
requested, including services that display customized content and
advertising. In addition to any fee of which you are notified, your
provider's standard messaging rates apply to our confirmation and
all subsequent SMS correspondence. You may opt-out and remove your
SMS information by sending "STOP", "END", "QUIT" to the SMS text
message you have received. If you remove your SMS information from
our database it will no longer be used by us for secondary purposes,
disclosed to third parties, or used by us or third parties to send
promotional correspondence to you.
Detailed Wireless Policy
Data obtained from you in connection with this SMS service may
include your name, address, cell phone number, your provider's name,
and the date, time, and content of your messages. In addition to any
fee of which you are notified, your provider's standard messaging
rates apply to our confirmation and all subsequent SMS
correspondence. All charges are billed by and payable to your mobile
service provider. We will not be liable for any delays in the
receipt of any SMS messages, as delivery is subject to effective
transmission from your network operator. SMS message services are
provided on an AS IS basis.
We may use personal information to provide the services you've
requested, including services that display customized content and
advertising. We may also use personal information for auditing,
research and analysis to operate and improve our technologies and
services. We may share aggregated and non personal information with
third parties. When we use third parties to assist us in processing
your personal information, we require that they comply with our
Privacy Policy and any other appropriate confidentiality and
security measures. We may also share information with third parties
in limited circumstances, including when complying with legal
process, preventing fraud or imminent harm, and ensuring the
security of our network and services.
You may remove your information from our database. If you remove
your information from our database it will no longer be used by us
for secondary purposes, disclosed to third parties, or used by us or
third parties to send promotional correspondence to you. You may
remove your information by sending "STOP", "END", "QUIT" to the SMS
text message you have received.
CONTACT US or OPTOUT If you have any questions regarding this
Privacy Policy, or wish to opt-out of any communication (phone,
email, sms or otherwise) please contact:
[email protected]. You may write to use at 9921 Carmel
Mountain Rd #425, San Diego, CA 92129
Privacy Notice for California Residents
Last Updated June 2, 2023
This Privacy Notice for California Residents ("Privacy Notice")
supplements the information contained in GOVCASHOUTCONNECT
Privacy Policy (the "Privacy Policy") made available on the website
located at govcashoutconnect.com (the "Site"). The Site is owned
and operated by GOVCASHOUTCONNECT ("Company," "we," "us" or
"our"). This Privacy Notice applies solely to residents of the State
of California ("Users"). We adopt this Privacy Notice in compliance
with the California Consumer Privacy Act of 2018 ("CCPA") and other
applicable California State privacy laws. Any terms defined in the
CCPA have the same meaning when used in this Privacy Notice. Users
with disabilities who wish to access this Privacy Notice in an
alternative format can contact us by emailing us at: support
[email protected] or sending us U.S. mail to: 9921
Carmel Mountain Rd #425, San Diego, CA 92129
Categories of Information We Collect
We collect information that identifies, relates to, describes,
references, is capable of being associated with, or could reasonably
be linked, directly or indirectly, with a particular User or device
("personal information"). In particular, we have collected the
following categories of personal information from Users within the
last twelve (12) months:
|
Category
|
Examples
|
Collected
|
|
A. Identifiers.
|
A real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address,
email address, account name, telephone number, or other
similar identifiers.
|
YES
|
|
B. Personal information categories listed in the California
Customer Records statute (Cal. Civ. Code § 1798.80(e)).
|
A name, signature, Social Security number, physical
characteristics or description, postal address, telephone
number, passport number, driver's license or State
identification card number, insurance policy number,
education, employment, employment history, bank account
number, credit card number, debit card number, or any other
financial information, medical information, or health
insurance information. Some personal information included in
this category may overlap with other categories.
|
YES
|
|
C. Protected classification characteristics under California
or federal law.
|
Age (40 years or older), 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).
|
YES
|
|
F. Internet or other similar network activity.
|
Browsing history, search history, information on a User's
interaction with a website, application or advertisement.
|
YES
|
|
I. Professional or employment-related information.
|
Current or past job history or performance evaluations.
|
YES
|
Personal information does not include:
-
personal information covered by certain sector-specific privacy
laws, including the Fair Credit Reporting Act (FRCA), the
Gramm-Leach-Bliley Act (GLBA), the California Financial
Information Privacy Act (FIPA), and the Driver's Privacy
Protection Act of 1994.
We obtain the categories of personal information listed above from
the following categories of sources:
-
Directly from our Users. For example, from online registration
forms that our Users submit to us related to the products and/or
services that we offer by and through the Site.
-
Indirectly from our Users. For example, through information we
collect from our Users in the course of providing our products
and/or services to them.
-
Directly and indirectly from activity on the Site. This includes
the type of browser that you use (e.g., Safari, Chrome, Internet
Explorer), your IP address, the type of operating system that
you use (e.g., Windows or iOS) and the domain name of your
Internet Service Provider. In addition, we obtain certain Site
usage details and analytics as same are collected automatically
by us and our third party partners, such as Google® and Hotjar®.
-
When our Users interact with us on our social media accounts,
including commenting on and/or liking our posts.
-
Directly from Users via online registration forms that our Users
submit to us in order to enter a promotion or sweepstakes
featured on the Site.
-
From third-parties that interact with us in connection with the
products and/or services that we offer to our Users. For
example, third party entities that assist us in sending direct
and electronic mail, removing duplicate information from User
lists, analyzing data and providing marketing analysis.
-
From third-party data brokers or aggregators.
-
From publicly availably sources, such as Internet search
engines.
Use of Personal Information
We may use or disclose the personal information that we collect for
one or more of the following business purposes:
-
To fulfill or meet the reason for which the information is
provided. For example, if you provide us with personal
information in connection with your request for a price quote
and/or other information regarding the mortgage-related products
and/or services featured on the Site, we will use that personal
information to better provide you with the requested
quote/information.
-
To provide you with information, products or services that you
request from us.
-
To create, maintain, customize and secure your account with us.
-
To enable you to enter a sweepstakes or promotion featured on
the Site.
-
To provide you with e-mail, direct mail and telemarketing
messages concerning certain Company products and/or services, as
well as third-party products and/or services, that we believe
may be of interest to you.
-
To deliver relevant Site content and advertisements to you and
measure or understand the effectiveness of the advertising we
serve to you
-
To carry out our obligations and enforce our rights arising from
any contracts entered into between you and us, including the
Site"™s Terms and Conditions.
-
To improve the Site and better present its contents to you.
-
For customer service purposes and to respond to inquiries from
you.
-
For testing, research, analysis and product development.
-
As necessary or appropriate to protect our rights, property or
safety, and that of our clients or others.
-
To respond to law enforcement requests and as required by
applicable law, court order, or governmental regulations.
-
As described to you when collecting your personal information or
as otherwise set forth in the CCPA.
-
To evaluate or conduct a merger, divestiture, restructuring,
reorganization, dissolution or other sale or transfer of some or
all of our assets, whether as a going concern or as part of
bankruptcy, liquidation or similar proceeding, in which personal
information held by us is among the assets transferred.
We will not collect additional categories of personal information or
use the personal information we collected for materially different,
unrelated or incompatible purposes without providing you with
notice.
Sharing Personal Information
Subject to your right to opt-out of such sharing/sale, we may share,
rent and/or sell your personal information with/to third parties for
marketing purposes, as well as other business purposes. When we
disclose personal information to a third party service provider or
other entity, we enter into a contractual relationship that
describes the purpose for which such third party may use the
personal information and requires that third party to both keep the
personal information confidential and not use it for any purpose
other than the performance of its services under the applicable
contract. Please note, we do not collect information from Users that
we actually know are less than eighteen (18) years of age and we do
not share or sell the personal information of Users that we actually
know are less than eighteen (18) years of age. Without limiting the
foregoing, we have not shared or sold the personal information of
Users that we actually know are less than sixteen (16) years of age
in the preceding twelve (12) months.
In the preceding twelve (12) months, we have disclosed the following
categories of personal information for a business purpose:
Category A Identifiers.
Category B California Customer Records personal
information categories.
Category C Protected classification characteristics
under California or federal law.
Category F Internet or other similar network
activity.
Category I Professional or employment-related
information.
We disclose your personal information for a business purpose to the
following categories of third parties:
-
Our affiliates.
-
Service providers.
-
Third parties who provide the mortgage-related products and/or
services featured on the Site.
-
Third parties who purchase and/or license your personal
information for marketing purposes, including: (a) providers of
direct marketing services and applications, including lookup and
reference, data enhancement, suppression and validation; (b)
e-mail marketers; (c) telemarketers (where permitted by
applicable law); and (d) direct marketers. If a third party
purchaser of your personal information wants to resell it, that
purchaser is required by law to provide you with explicit notice
and an opportunity to opt-out of further sales.
-
Third parties to whom you authorize us to disclose your personal
information in connection with the products and/or services that
we provide to you.
In the preceding twelve (12) months, we have sold the following
categories of personal information to third parties:
Category A Identifiers.
Category B California Customer Records personal
information categories.
Category C Protected classification characteristics
under California or federal law.
Category F Internet or other similar network
activity.
Category I Professional or employment-related
information.
In the preceding twelve (12) months, we have: (a) sold personal
information to the third parties who purchase and/or license your
personal information for marketing purposes, as well as the third
parties who provide the mortgage-related products and/or services
featured on the Site; and (b) shared your personal information for
the business purposes set forth above.
Your Rights and Choices
The CCPA provides Users (California residents) with specific rights
regarding their personal information. This section describes your
CCPA rights and explains how to exercise those rights.
Opt-Out from the Sale of Your Personal Information
You have the right to opt-out of our sale of your personal
information to third parties. To exercise your right to opt-out of
our sale of your personal information to third parties, please
submit a verifiable User request to us by either:
We endeavor to act on all opt-out requests as soon as practicable,
but in all cases within fifteen (15) days of the receipt of your
request.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information
to you about our collection and use of your personal information
over the past twelve (12) months. Once we receive and confirm your
verifiable User request, we will disclose to you:
-
The categories of personal information we collected about you.
-
The categories of sources for the personal information we
collected about you.
-
Our business or commercial purpose for collecting or selling
that personal information.
-
The categories of third parties with whom we have shared that
personal information.
-
The specific pieces of personal information we collected about
you (also called a data portability request).
-
If we sold or disclosed your personal information for a business
purpose, two separate lists disclosing:
-
sales, identifying the personal information categories that
each category of recipient purchased; and
-
disclosures for a business purpose, identifying the personal
information categories that each category of recipient
obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal
information that we collected from you and retained, subject to
certain exceptions. Once we receive and confirm your verifiable User
request, we will delete (and direct our service providers to delete)
your personal information from our (their) records, unless an
exception applies.
We may deny your deletion request if retaining the information is
necessary for us or our service providers to:
-
Complete the transaction for which we collected the personal
information, provide a good or service that you requested, take
actions reasonably anticipated within the context of our ongoing
business relationship with you, or otherwise perform our
obligations in connection with 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 and repair errors that impair
existing intended functionality.
-
Exercise free speech rights, ensure the right of another User to
exercise their free speech rights or exercise another right
provided for by law.
-
Comply with the California Electronic Communications Privacy Act
(Cal. Penal Code § 1546 seq.).
-
Engage in public or peer-reviewed scientific, historical, or
statistical research in the public interest that adheres to all
other applicable ethics and privacy laws, when the information's
deletion may likely render impossible or seriously impair the
research's achievement, if you previously provided informed
consent.
-
Enable solely internal uses that are reasonably aligned with
User expectations based on your relationship with us.
-
Comply with a legal obligation.
-
Make other internal and lawful uses of that information that are
compatible with the context in which you provided it.
Exercising Access, Data Portability and Deletion Rights
To exercise your access, data portability and/or deletion rights
described above, please submit a verifiable User request to us by
either:
Only you or a person registered with the California Secretary of
State that you authorize to act on your behalf, may make a
verifiable User request related to your personal information.
You may only make a verifiable User request for access or data
portability twice within a 12-month period. The verifiable User
request must:
-
Provide sufficient information that allows us to reasonably
verify that you are the person about whom we collected personal
information or an authorized representative.
-
Describe your request with sufficient detail that allows us to
properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal
information if we cannot verify your identity or authority to make
the request and confirm that the personal information relates to
you. Making a verifiable User request does not require you to create
an account with us. We will only use personal information provided
in a verifiable User request to verify the requestor's identity or
authority to make the request.
Response Timing and Format
We endeavor to respond to all verifiable User requests within
forty-five (45) days of the receipt thereof. If we require more time
(up to ninety (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 only cover the twelve (12) month period preceding the receipt
of your verifiable request. The response we provide will also
explain the reasons we cannot comply with a request, if applicable.
For data portability requests, we will select a format to provide
your personal information that is readily useable and should allow
you to transmit the information from one entity to another entity
without hindrance.
We do not charge a fee to process or respond to your verifiable User
request unless it is excessive, repetitive, or manifestly unfounded.
If we determine that the request warrants a fee, we will tell you
why we made that decision and provide you with a cost estimate
before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA
rights. Unless permitted by the CCPA, we will not:
-
Deny you goods or services;
-
Charge you different prices or rates for goods or services,
including through granting discounts or other benefits, or
imposing penalties;
-
Provide you a different level or quality of goods or services;
and/or
-
Suggest that you may receive a different price or rate for goods
or services or a different level or quality of goods or
services.
-
Changes to this Privacy Notice
We reserve the right to amend this Privacy Notice in our discretion
and at any time. When we make changes to this Privacy Notice, we
will notify you by email or through a notice on the Site"™s
homepage.
Contact Information
If you have any questions or comments about this Privacy Notice, our
Privacy Policy, the ways in which we collect and use your personal
information, your choices and rights regarding such use, or wish to
exercise your rights under California law, please do not hesitate to
contact us by either: