The Next Big Thing, Privacy Policy covers our treatment of personal information and other information that we collect. Capitalized terms not defined herein shall have the meaning set forth in the Terms of Use (“Terms of Use”). IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE Next Big Thing WEBSITE AND/OR SERVICES.

CONSENT: By visiting or browsing the Next Big Thing website, you consent to the collection, use, storage, and disclosure of Personal Information as set forth in this Privacy Policy.

PERSONAL INFORMATION COLLECTED: For the purposes of this Privacy Policy, “Personal Information” shall mean individually identifiable information from or about an individual. Next Big Thing collects personal information primarily when you use or visit the website and/or fill out a form. The Personal Information you may be asked to provide could include, without limitation: (a) first and last name; (b) e-mail address; (c) telephone number; (d) social security number; (e) financial information; and (f) any and all other information that may be needed to provide the services offered.

NON-PERSONAL IDENTIFICATION INFORMATION: Next Big Thing may collect Non-Personal Identification Information about you whenever you interact with the website. Non-Personal Identification Information may include the browser name, the type of computer and technical information about your means of connection to the website, such as the operating system and the internet service providers utilized and other similar information. Next Big Thing may also gather anonymous Non-Personal Identification Information that does not personally identify you, but that may be helpful for marketing purposes or for improving your experience on the website.

COOKIES: When you visit the Next Big Thing website (1) one or more cookies and/or gif files (collectively, “Cookies”) are sent to assign an anonymous, unique identifier to the applicable end-user’s computer or other device. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience at the website and therefore, Next Big Thing uses Cookies to improve the quality of the website. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent.

OTHER TECHNOLOGIES: Next Big Thing may use standard Internet technology, such as web beacons and other similar technologies, to track your use and interaction with the Next Big Thing website. Next Big Thing may also include web beacons in advertisements or email messages to determine whether messages have been opened and/or acted upon. The information obtain in this manner enables Next Big Thing to customize the services offered, to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.

USE OF COLLECTED INFORMATION: Next Big Thing may use your Personal Information for all legal purposes including but not limited to; (i) to verify your identity; (ii) to send you commercial or marketing messages; (iii) to provide you with content specific to your interests; (iv) to follow up with specific transactions initiated on the Next Big Thing website; (v) to conduct internal research and reporting; (vi) to monitor and improve use of the Next Big Thing website; (vii) to improve our products and services; (viii) to deliver targeted advertisements; (ix) to respond to your comment questions, or inquiries; or (x) to thank you for feedback to us. In addition, Next Big Thing may use your Personal Information in the following ways:

(1) Significant Announcements. Next Big Thing may use your name and e-mail address information to inform you via e-mail message of any significant changes to the website or services or other significant information that may affect your use of the Next Big Thing website or services.

(2) Product Information and Sales Promotions. Next Big Thing may use your e-mail address information that you have provided to contact you about product and service offers by us or our affiliates.

(3) Special Sales Promotions from Third Parties. From time to time, Next Big Thing may use the information you have provided to alert you of special sales promotions from our business partners and other companies.

(4) Third-Party Agents. Next Big Thing may permit our third-party agents, service providers and subcontractors to access your Personal Information, but they are only permitted to do so in connection with performing services for us and/or to operate the website and/or services. They are not authorized to use your Personal Information for their own benefit.

RELEASE OF PERSONAL INFORMATION: Next Big Thing reserves the right to release current or past Personal Information: (i) in the event that Next Big Thing believes that the website and/or services is/are being or has/have been used in violation of the Terms Of Use, or to commit unlawful acts; (ii) if the information is subpoenaed; provided, however, that, where permitted by applicable law, Next Big Thing shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (iii) if Next Big Thing is sold, merged or acquired; provided, however, that if Next Big Thing is involved in a merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the website of any change in ownership or uses of your Personal Information, as well as any choices that you may have regarding your personal information.

THIRD-PARTY WEBSITES AND ADVERTISEMENTS: Next Big Thing may allow third parties, including our authorized service providers, platform providers, advertising companies and ad networks, to display advertisements and/or links on the Next Big Thing website. Next Big Thing is not responsible for the privacy practices or the content of any third-party advertisements and/or website. These third-party websites have separate privacy and data collection practices and Next Big Thing has no responsibility or liability relating to them. These companies may use tracking technologies to collect information about users who view or interact with Next Big Thing and/or third-party advertisements. This information allows such third parties to deliver targeted advertisements and gauge the effectiveness of such advertisements.

SECURITY: The Personal Information that you provide is stored on servers that are located in secured facilities and protected by protocols and procedures designed to ensure the security of such information. However, no server, computer or communications network or system, or data transmission over the Internet can be guaranteed to be 100% secure. As a result, while Next Big Thing strives to protect user information, Next Big Thing cannot ensure or warrant the security of any information you transmit to us or through the website and you acknowledge and agree that you provide such information and engage in such transmissions at your own risk.

Only employees or third-party agents who need personal information to perform a specific job function are granted access to Personal Information.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that Next Big Thing learns of an information security breach with respect to your Personal Information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

MINORS: Visitors under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age) are not permitted to use and/or submit their personal information at the Next Big Thing website. Next Big Thing does not knowingly solicit or collect information from visitors under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age). Next Big Thing encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

OPT-OUT/UNSUBSCRIBE: To opt-out of receiving e-mail communications from us, you can email us at optout@1stTimeHomeBuyerPrograms.

MOBILE COMMUNICATIONS: You acknowledge, and consent to communications to the mobile phone number and other information that you have provide. Such communications may be in the form of phone calls, text and/or email and you acknowledge that this communication may be delivered by use of an automated telephone dialer or other automated telephone dialing system and may contain an artificial or prerecorded message.

CHANGES TO THIS PRIVACY POLICY: Next Big Thing reserves the right to change or update this Privacy Policy at any time by posting a notice on the website indicating changes to the Privacy Policy have been made.

CALIFORNIA PRIVACY RIGHTS: This section applies solely to visitors and users who are residents of the State of California, as defined in Section 17014 of Title 18 of the California Code of Regulations. This section is for the purposes of compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in this section.

If you are a California resident, California Civil Code Section 1798.83 permits you to request, up to two times each year, access to categories and specific pieces of Personal Information about you that Next Big Thing collects, uses, discloses, and sells, and to request the deletion of personal information collected, subject to applicable legal exceptions.

To make an access or deletion request, please visit info@1stTimeHomeBuyerPrograms. Before completing your request, Next Big Thing may need to verify your identity or the identity of your authorized representative. Next Big Thing may request additional documentation or information solely for the purpose of verifying identity.

Under California law, California residents may opt-out of the disclosure of personal information to third parties for marketing purposes. To opt out, please visit info@1stTimeHomeBuyerPrograms.

The Next Big Thing website, products, and services are not intended to appeal to minors. However, if you are a California resident under the age of 18, and a registered user of the Next Big Thing website and/or services, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please send an e-mail with a detailed description of the specific content or information to info@1stTimeHomeBuyerPrograms. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.

In addition to the information provided in this Privacy Policy, Next Big Thing makes the following disclosures for purposes of compliance with the (CCPA), the following are categories of personal information that Next Big Thing has collected in the last 12 months; name, address, IP address, phone number, payment card information associated with you, and inferences drawn from other personal information.

The sources of personal information collected are, directly from your activity on Next Big Thing website, third party sites or platforms that you link with, analytics tools, social networks, and advertising networks.

The business or commercial purposes of collecting personal information are described above in the section entitled, “USE OF COLLECTED INFORMATION”.

Next Big Thing disclosed the following categories of personal information for a business purpose in the last 12 months: Identifiers/Contact Information; name, address, IP address, phone number, payment card information associated with you, and inferences drawn from other personal information.

As the term is defined by the CCPA, Next Big Thing “sold” the following categories of personal information in the last 12 months: Identifiers/Contact Information: name, address, IP address, phone number, or similar information. Next Big Thing “sold” each category to advertising networks. Next Big Thing does not “sell” personal information of known minors under 18 years of age.

Next Big Thing does not currently respond to browser “Do Not Track” (DNT) signals or other mechanisms. Third parties may collect personal information about your online activities over time and across sites when you visit the Next Big Thing website.

If you have any questions about this Privacy Policy, please: (a) email us at: legal@1stTimeHomeBuyerPrograms; or (c) contact us via U.S. mail at: Next Big Thing, 956 3 mile rd nw grand rapids mi 49544