PRIVACY POLICY
Last updated November 14, 2023
This privacy notice for Crossroads SDI, Inc. (doing business as Crossroads Investigations) (“Crossroads Investigations,” “we,” “us,” or “our“), describes how and why we might collect, store, use, and/or share (“process“) your information when you use our services (“Services“), such as when you:
- Visit our website at Xinvestigations.com, or any website of ours that links to this privacy notice
- Engage with us in other related ways, including any sales, marketing, or events
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at Privacy@Xinvestigations.com.
SUMMARY OF KEY POINTS
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with Crossroads Investigations and the Services, the choices you make, and the products and features you use. Learn more about personal information you disclose to us.
Do we process any sensitive personal information? We may process sensitive personal information when necessary with your consent or as otherwise permitted by applicable law. Learn more about sensitive information we process.
Do we receive any information from third parties? We do not receive any information from third parties.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Learn more about how we process your information.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Learn more about when and with whom we share your personal information.
How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Learn more about your privacy rights.
How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.
Want to learn more about what Crossroads Investigations does with any information we collect? Review the privacy notice in full.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short:We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:
- names
- phone numbers
- email addresses
- mailing addresses
- job titles
- billing addresses
- debit/credit card numbers
- contact or authentication data
Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:
- financial data
- information revealing race or ethnic origin
- information revealing political opinions
- credit worthiness data
- social security numbers or other government identifiers
Payment Data. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is stored by Stripe and Biller Genie. You may find their privacy notice link(s) here: https://stripe.com/privacy and https://merchant.billergenie.com/LegalContent/?type=PrivacyPolicy&isExternal=true.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
**SMS Communication Consent**
**Your Consent to Receive Text Messages**:
By providing us with your mobile phone number via phone call, email, text message, or through our website forms, you expressly consent to receive SMS text messages from Crossroads Investigations regarding our products and services. Your consent to receive text messages is not a condition of any purchase or service.
**What to Expect**:
You may receive messages that include but are not limited to updates, alerts, promotions, and reminders related to [specific services or offers you describe]. The frequency of messages may vary.
**How to Opt-Out**:
You have the right to withdraw your consent at any time. To stop receiving text messages from us, you can reply with the word “STOP” to any message you receive or contact us directly at [provide contact details]. Upon receiving your opt-out request, we will cease sending you SMS messages without delay.
**Fees and Charges**:
Standard message and data rates may apply for any text messages sent to you or sent by you to us. Please consult with your wireless carrier for any charges that may apply to SMS messaging.
Your privacy is important to us. We will use and store your phone number in accordance with our Privacy Policy.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
- To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
- To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
- To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.
- To fulfill and manage your orders. We may process your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services.
- To enable user-to-user communications. We may process your information if you choose to use any of our offerings that allow for communication with another user.
- To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
- To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see “WHAT ARE YOUR PRIVACY RIGHTS?” below).
- To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
- To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
- To save or protect an individual’s vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e., legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:
- Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Learn more about withdrawing your consent.
- Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.
- Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to:
- Send users information about special offers and discounts on our products and services
- Develop and display personalized and relevant advertising content for our users
- Support our marketing activities
- Understand how our users use our products and services so we can improve user experience
- Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
- Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.
If you are located in Canada, this section applies to you.
We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time.
In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:
- If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
- For investigations and fraud detection and prevention
- For business transactions provided certain conditions are met
- If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
- For identifying injured, ill, or deceased persons and communicating with next of kin
- If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
- If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
- If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
- If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
- If the collection is solely for journalistic, artistic, or literary purposes
- If the information is publicly available and is specified by the regulations
In Short: We may share information in specific situations described in this section and/or with the following third parties.
We may need to share your personal information in the following situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
6. IS YOUR INFORMATION TRANSFERRED INTERNATIONALLY?
In Short: We may transfer, store, and process your information in countries other than your own.
Our servers are located in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information (see “WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?” above), in the United States, France, United Kingdom, and other countries.
If you are a resident in the European Economic Area (EEA) or United Kingdom (UK), then these countries may not necessarily have data protection laws or other similar laws as comprehensive as those in your country. However, we will take all necessary measures to protect your personal information in accordance with this privacy notice and applicable law.
European Commission’s Standard Contractual Clauses:
We have implemented measures to protect your personal information, including by using the European Commission’s Standard Contractual Clauses for transfers of personal information between our group companies and between us and our third-party providers. These clauses require all recipients to protect all personal information that they process originating from the EEA or UK in accordance with European data protection laws and regulations.Our Standard Contractual Clauses can be provided upon request.We have implemented similar appropriate safeguards with our third-party service providers and partners and further details can be provided upon request.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
9. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at Privacy@Xinvestigations.com.
10. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: In some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Canada, you have rights that allow you greater access to and control over your personal information.You may review, change, or terminate your account at any time.
In some regions (like the EEA, UK, and Canada), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.
We will consider and act upon any request in accordance with applicable data protection laws.
If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your Member State data protection authority or UK data protection authority.
If you are located in Switzerland, you may contact the Federal Data Protection and Information Commissioner.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Opting out of marketing and promotional communications:You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. You may also opt out of interest-based advertising by advertisers on our Services.
If you have questions or comments about your privacy rights, you may email us at Privacy@Xinvestigations.com.
11. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a “resident” as:
(1) every individual who is in the State of California for other than a temporary or transitory purpose and
(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as “non-residents.”
If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:
| Category | Examples | Collected |
A. Identifiers | Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name | YES |
B. Personal information categories listed in the California Customer Records statute | Name, contact information, education, employment, employment history, and financial information | YES |
C. Protected classification characteristics under California or federal law | Gender and date of birth | YES |
D. Commercial information | Transaction information, purchase history, financial details, and payment information | NO |
E. Biometric information | Fingerprints and voiceprints | NO |
F. Internet or other similar network activity | Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements | NO |
G. Geolocation data | Device location | YES |
H. Audio, electronic, visual, thermal, olfactory, or similar information | Images and audio, video or call recordings created in connection with our business activities | NO |
I. Professional or employment-related information | Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us | YES |
J. Education Information | Student records and directory information | NO |
K. Inferences drawn from other personal information | Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics | NO |
| L. Sensitive Personal Information | State ID card numbers, social security numbers, drivers’ licenses and debit or credit card numbers | YES |
We will use and retain the collected personal information as needed to provide the Services or for:
- Category A – As long as the user has an account with us
- Category B – As long as the user has an account with us
- Category C – As long as the user has an account with us
- Category G – As long as the user has an account with us
- Category I – As long as the user has an account with us
- Category L – As long as the user has an account with us
Category L information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You have the right to limit the use or disclosure of your sensitive personal information.
We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
More information about our data collection and sharing practices can be found in this privacy notice.
You may contact us by email at Privacy@Xinvestigations.com, or by referring to the contact details at the bottom of this document.
If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf, following the same strict privacy protection obligations mandated by the CCPA.
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” of your personal information.
Crossroads SDI, Inc. has not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. Crossroads SDI, Inc.will not sell or share personal information in the future belonging to website visitors, users, and other consumers.
Your rights with respect to your personal data
Right to request deletion of the data — Request to delete
You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.
Right to be informed — Request to know
Depending on the circumstances, you have a right to know:
- whether we collect and use your personal information;
- the categories of personal information that we collect;
- the purposes for which the collected personal information is used;
- whether we sell or share personal information to third parties;
- the categories of personal information that we sold, shared, or disclosed for a business purpose;
- the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose;
- the business or commercial purpose for collecting, selling, or sharing personal information; and
- the specific pieces of personal information we collected about you.
In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Right to Limit Use and Disclosure of Sensitive Personal Information
If the business collects any of the following:
- social security information, drivers’ licenses, state ID cards, passport numbers
- account login information
- credit card numbers, financial account information, or credentials allowing access to such accounts
- precise geolocation
- racial or ethnic origin, religious or philosophical beliefs, union membership
- the contents of email and text, unless the business is the intended recipient of the communication
- genetic data, biometric data, and health data
- data concerning sexual orientation and sex life
you have the right to direct that business to limit its use of your sensitive personal information to that use which is necessary to perform the Services.
Once a business receives your request, they are no longer allowed to use or disclose your sensitive personal information for any other purpose unless you provide consent for the use or disclosure of sensitive personal information for additional purposes.
Please note that sensitive personal information that is collected or processed without the purpose of inferring characteristics about a consumer is not covered by this right, as well as the publicly available information.
To exercise your right to limit use and disclosure of sensitive personal information, please email Privacy@Xinvestigations.com or submit a data subject access request.
Verification process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
- You may object to the processing of your personal information.
- You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.
- You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
- You may request to opt out from future selling or sharing of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.
To exercise these rights, you can contact us by email at Privacy@Xinvestigations.com, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.
13. DO VIRGINIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information.
Virginia CDPA Privacy Notice
Under the Virginia Consumer Data Protection Act (CDPA):
“Consumer” means a natural person who is a resident of the Commonwealth acting only in an individual or household context. It does not include a natural person acting in a commercial or employment context.
“Personal data” means any information that is linked or reasonably linkable to an identified or identifiable natural person. “Personal data” does not include de-identified data or publicly available information.
“Sale of personal data” means the exchange of personal data for monetary consideration.
If this definition “consumer” applies to you, we must adhere to certain rights and obligations regarding your personal data.
The information we collect, use, and disclose about you will vary depending on how you interact with Crossroads SDI, Inc. and our Services. To find out more, please visit the following links:
Your rights with respect to your personal data
- Right to be informed whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request deletion of your personal data
- Right to obtain a copy of the personal data you previously shared with us
- Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (“profiling”)
Crossroads SDI, Inc. sells personal data to third parties or processes personal data for targeted advertising. Please see the following section to find out how you can opt out from further selling or sharing of your personal data for targeted advertising or profiling purposes.
Exercise your rights provided under the Virginia CDPA
More information about our data collection and sharing practices can be found in this privacy notice.
You can opt out from the selling of your personal data, targeted advertising, or profiling by disabling cookies in Cookie Preference Settings. You may contact us by email at Privacy@Xinvestigations.com, by submitting a data subject access request, or by referring to the contact details at the bottom of this document.
If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Verification process
We may request that you provide additional information reasonably necessary to verify you and your consumer’s request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request.
Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.
Right to appeal
If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at Privacy@Xinvestigations.com. Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal if denied, you may contact the Attorney General to submit a complaint.
14. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
15. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may contact our Data Protection Officer (DPO) , Marc Hurwitz, by email at Privacy@Xinvestigations.com, by phone at 866-976-2374, or by post to:
Crossroads SDI, Inc.
Marc Hurwitz
1835 NE 185 St.
Suite 547
Miami, FL 33179
United States
16. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please fill out and submit a data subject access request.
This privacy policy was created using Termly’s Privacy Policy Generator.
COOKIE POLICY
Last updated April 03, 2023
This Cookie Policy explains how Crossroads SDI, Inc. (“Company,” “we,” “us,” and “our“) uses cookies and similar technologies to recognize you when you visit our website at https://xinvestigations.com (“Website“). It explains what these technologies are and why we use them, as well as your rights to control our use of them.
In some cases we may use cookies to collect personal information, or that becomes personal information if we combine it with other information.
What are cookies?
Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.
Cookies set by the website owner (in this case, Crossroads SDI, Inc.) are called “first-party cookies.” Cookies set by parties other than the website owner are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.
Why do we use cookies?
We use first- and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Website to operate, and we refer to these as “essential” or “strictly necessary” cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Online Properties. Third parties serve cookies through our Website for advertising, analytics, and other purposes. This is described in more detail below.
How can I control cookies?
You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. The Cookie Consent Manager allows you to select which categories of cookies you accept or reject. Essential cookies cannot be rejected as they are strictly necessary to provide you with services.
The Cookie Consent Manager can be found in the notification banner and on our website. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted. You may also set or amend your web browser controls to accept or refuse cookies.
The specific types of first- and third-party cookies served through our Website and the purposes they perform are described in the table below (please note that the specific cookies served may vary depending on the specific Online Properties you visit):
Analytics and customization cookies:
These cookies collect information that is used either in aggregate form to help us understand how our Website is being used or how effective our marketing campaigns are, or to help us customize our Website for you.
| Name: | _ga |
| Purpose: | Records a particular ID used to come up with data about website usage by the user |
| Provider: | .xinvestigations.com |
| Service: | Google Analytics View Service Privacy Policy |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 1 year 11 months 29 days |
| Name: | _gid |
| Purpose: | Keeps an entry of unique ID which is then used to come up with statistical data on website usage by visitors. It is a HTTP cookie type and expires after a browsing session. |
| Provider: | .xinvestigations.com |
| Service: | Google Analytics View Service Privacy Policy |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 1 day |
| Name: | _gat# |
| Purpose: | Enables Google Analytics regulate the rate of requesting. It is a HTTP cookie type that lasts for a session. |
| Provider: | .xinvestigations.com |
| Service: | Google Analytics View Service Privacy Policy |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 1 minute |
| Name: | #collect |
| Purpose: | Sends data such as visitor’s behavior and device to Google Analytics. It is able to keep track of the visitor across marketing channels and devices. It is a pixel tracker type cookie whose activity lasts within the browsing session. |
| Provider: | xinvestigations.com |
| Service: | Google Analytics View Service Privacy Policy |
| Country: | United States |
| Type: | pixel_tracker |
| Expires in: | session |
Advertising cookies:
These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.
| Name: | ga-audiences |
| Purpose: | Used by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor’s online behaviour across websites |
| Provider: | xinvestigations.com |
| Service: | AdWords View Service Privacy Policy |
| Country: | United States |
| Type: | pixel_tracker |
| Expires in: | session |
| Name: | _fbp |
| Purpose: | Facebook tracking pixel used to identify visitors for personalized advertising. |
| Provider: | .xinvestigations.com |
| Service: | Facebook View Service Privacy Policy |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 2 months 29 days |
Unclassified cookies:
These are cookies that have not yet been categorized. We are in the process of classifying these cookies with the help of their providers.
| Name: | ADRUM_BT1 |
| Purpose: | __________ |
| Provider: | accdn.lpsnmedia.net |
| Service: | __________ |
| Country: | Australia |
| Type: | server_cookie |
| Expires in: | less than 1 minute |
| Name: | mf_transmitQueue |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_session_storage |
| Expires in: | session |
| Name: | SameSite |
| Purpose: | __________ |
| Provider: | accdn.lpsnmedia.net |
| Service: | __________ |
| Country: | Australia |
| Type: | http_cookie |
| Expires in: | less than 1 minute |
| Name: | calltrk-calltrk_landing |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | _zcsr_tmp |
| Purpose: | __________ |
| Provider: | accounts.zoho.com |
| Service: | __________ |
| Country: | United States |
| Type: | server_cookie |
| Expires in: | session |
| Name: | LPSID-86101864 |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | session |
| Name: | mf_473ad013-7b0a-4259-a070-545467d82ea4 |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | session |
| Name: | LPSessionID |
| Purpose: | __________ |
| Provider: | va.v.liveperson.net |
| Service: | __________ |
| Country: | United States |
| Type: | server_cookie |
| Expires in: | session |
| Name: | calltrk-calltrk_referrer |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | ADRUM_BTa |
| Purpose: | __________ |
| Provider: | accdn.lpsnmedia.net |
| Service: | __________ |
| Country: | Australia |
| Type: | http_cookie |
| Expires in: | less than 1 minute |
| Name: | unAuthMessaging-storage_expiration-86101864 |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | lpLastVisit-86101864 |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | mf_initialDomQueue |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_session_storage |
| Expires in: | session |
| Name: | mf_user |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 2 months 29 days |
| Name: | calltrk-_ga |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | calltrk-calltrk_session_id |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | lpUnifiedWindow-storage_expiration-86101864 |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | calltrk-258679634-assigns-c7a7b81e-5f70-4937-b097-d977a15cc5b1 |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_local_storage |
| Expires in: | persistent |
| Name: | calltrk_session_id |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 11 months 30 days |
| Name: | LPVID |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 11 months 30 days |
| Name: | LPVisitorID |
| Purpose: | __________ |
| Provider: | va.v.liveperson.net |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 11 months 30 days |
| Name: | lpTabId |
| Purpose: | __________ |
| Provider: | xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | html_session_storage |
| Expires in: | session |
| Name: | 383aeadb58 |
| Purpose: | __________ |
| Provider: | forms.zohopublic.com |
| Service: | __________ |
| Country: | United States |
| Type: | server_cookie |
| Expires in: | session |
| Name: | calltrk_referrer |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 11 months 30 days |
| Name: | m |
| Purpose: | __________ |
| Provider: | m.stripe.com |
| Service: | __________ |
| Country: | United States |
| Type: | server_cookie |
| Expires in: | 1 year 11 months 29 days |
| Name: | e188bc05fe |
| Purpose: | __________ |
| Provider: | accounts.zoho.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | session |
| Name: | iamcsr |
| Purpose: | __________ |
| Provider: | accounts.zoho.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | session |
| Name: | calltrk_landing |
| Purpose: | __________ |
| Provider: | .xinvestigations.com |
| Service: | __________ |
| Country: | United States |
| Type: | http_cookie |
| Expires in: | 11 months 30 days |
How can I control cookies on my browser?
As the means by which you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser’s help menu for more information. The following is information about how to manage cookies on the most popular browsers:
In addition, most advertising networks offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit:
- Digital Advertising Alliance
- Digital Advertising Alliance of Canada
- European Interactive Digital Advertising Alliance
What about other tracking technologies, like web beacons?
Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are tiny graphics files that contain a unique identifier that enables us to recognize when someone has visited our Website or opened an email including them. This allows us, for example, to monitor the traffic patterns of users from one page within a website to another, to deliver or communicate with cookies, to understand whether you have come to the website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning.
Do you use Flash cookies or Local Shared Objects?
Websites may also use so-called “Flash Cookies” (also known as Local Shared Objects or “LSOs”) to, among other things, collect and store information about your use of our services, fraud prevention, and for other site operations.
If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel. You can also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies (referred to “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time).
Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content.
Do you serve targeted advertising?
Third parties may serve cookies on your computer or mobile device to serve advertising through our Website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. They can accomplish this by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you. The information collected through this process does not enable us or them to identify your name, contact details, or other details that directly identify you unless you choose to provide these.
How often will you update this Cookie Policy?
We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore revisit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.
The date at the top of this Cookie Policy indicates when it was last updated.
Where can I get further information?
If you have any questions about our use of cookies or other technologies, please email us at privacy@xinvestigations.com or by post to:
Crossroads SDI, Inc.
1835 NE 185 St.
Miami, FL 33179
United States
Phone: 866-976-2371
This cookie policy was created using Termly’s Cookie Consent Manager.
This GDPR Policy (“Policy”) describes how your personal information is collected, used, and shared when you visit or make a purchase from our website.
Collection and Use of Personal Information
We collect personal information that you provide to us when you visit our website, including your name, email address, and any other information you choose to provide. We use this information to communicate with you, provide customer support, and to improve our services. Additionally, we may collect certain technical information when you visit our website, such as your IP address and browser type. This information is used to monitor and improve the performance of our website.
Sharing of Personal Information
We do not share your personal information with third parties, except in the following limited circumstances:
- We may share your information with our service providers and vendors who assist us in operating our website and providing our services.
- We may share your information if required to do so by law or to comply with a court order or other legal process.
- We may share your information if we believe it is necessary to protect our rights or property, or the safety of ourselves or others.
Security
We take reasonable measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. We use industry-standard encryption technologies to protect sensitive information transmitted through our website.
Your Rights
You have the right to access, correct, and delete your personal information. You may also object to the processing of your personal information, or request that we restrict the processing of your personal information. If you wish to exercise any of these rights, please contact us using the contact information below.
Changes to This Policy
We reserve the right to update or change this Policy at any time. If we make any material changes, we will provide notice on our website or by email.
Contact Us
If you have any questions or concerns about this Policy, please contact us at Privacy@Xinvestigations.com, 866-976-2371.
Call today for a free consultation!
Frequently Asked Questions
Yes. A person’s bank account information is obtained using a variety of techniques, all of which are legal under the Gramm-Leach-Bliley (GLB) Act and does not involve any pretext to the financial institution or the customer. A typical search usually involves combining several of these methods. These may include researching for payment methods in public records such as UCC filings, real estate records, vehicle ownership, boat ownership, land-lord records, sales tax permits, court records including divorce records, bankruptcy records, payments made to public entities such as county tax collectors or company filings, payments made to creditors such as utility companies or loan companies and information provided by clients.
Our agents works closely with the collection centers and payment processors of numerous companies to share data and payment methods of individuals. This helps us locate banking institutions of the subjects and helps the collection centers with possible upcoming issues with the subject. These methods will normally uncover bank accounts used by the subject to make payments and are all legal methods in obtaining copies of checks or banking information.
Our agents uses proprietary software with algorithms that use data from third party providers of electronic transactions to locate the originating transfer bank and funds available. These providers use key data in the transactions to track and verify funds availability. Account numbers are not used, just a key number for that transaction, however that key number describes the originating bank, account holder and the receiving bank and account holder. Additional details may be obtained from the financial institution if the case meets the standards under the GLB act section 6802 (e)(3)(D) (persons holding a legal interest relating to the consumer).
Asset searches cannot be used for FCRA-regulated purposes to determine the eligibility for credit, insurance, employment or any other purpose regulated under the FCRA. Asset information can only be used by persons holding a legal or beneficial interest relating to the consumer, or to protect against or prevent actual fraud, unauthorized transactions, claims, or other liability.
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Testimonials
As a busy lawyer, Crossroads has saved me countless hours and dollars by being super-efficient and professional with all of my firm’s investigation needs. For example, when I ask for an investigation report, I get the full report but also a summary which highlights what I need to know. The professionalism and service is top-notch. I highly recommend Crossroads to my colleagues.
Scott M. SolkoffFormer Chair, The Florida Bar Elder Law Section Solkoff Legal, P.A. 
Crossroads is our go-to for not only asset-searching but also critical information retrieval. They provide a host of services that law firms and clients to assess when deciding to initiate a lawsuit or legal proceeding, when proceeding with collections on a judgment, and when attempting to negotiate a truly binding settlement agreement. Crossroads helps in all aspects of these various processes identifying key pieces of information that help make informed decisions. They are a responsive, resourceful, and reliable. This is your team for your investigation.
Clarissa A. RodriguezFormer Chair, The Florida Bar International Law Section Reich Rodriguez, P.A. 
I truly appreciate the excellent investigative services you have offered my litigation clients over the years. You and your team are head and shoulders above the others. Highly recommend!!!!
Eugene K. PettisFormer President, The Florida Bar Co-Founder, Haliczer, Pettis & Schwamm 
