PRIVACY POLICY

Effective Date: September 15, 2026
Last Updated: September 15, 2026

Spokane Online Auction (“Spokane Online Auction,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information of individuals who visit our website, create accounts, register to bid, participate in auctions, purchase items, sell or consign items where applicable, communicate with us, or otherwise use our services.

This Privacy Policy describes how we collect, use, disclose, retain, and protect personal information. It also explains the privacy choices and rights that may be available to you.

This Policy is intended to address applicable privacy requirements in the United States and Canada, including, where applicable, the Personal Information Protection and Electronic Documents Act (“PIPEDA”), applicable Canadian provincial privacy laws, and applicable U.S. state consumer privacy laws.

By using our website or services, you acknowledge the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

Depending on how you interact with Spokane Online Auction, we may collect the following categories of information.

A. Account and Contact Information

We may collect information such as:

• Name

• Mailing address

• Billing address

• Shipping address

• Email address

• Telephone number

• Username and account information

• Account preferences

B. Auction and Transaction Information

When you register for or participate in an auction, we may collect information concerning:

• Auction registrations

• Bids placed

• Winning bids

• Items purchased

• Purchase history

• Invoices

• Payment status

• Pickup and shipping information

• Returns, refunds, chargebacks, or transaction disputes

• Communications concerning auctions or purchases

Certain auction activity, including bidder numbers, usernames, bid amounts, or winning bids, may be displayed to other users when necessary for operation of the auction platform. We will not intentionally publicly display information such as your complete payment information or other sensitive identifying information.

C. Payment Information

Payments may be processed by third-party payment processors.

Depending upon the payment system used, payment information may include credit or debit card information, billing information, bank information, or other payment credentials.

Where payments are processed directly by a third-party payment processor, Spokane Online Auction may not receive or retain your complete card or banking information. We may receive transaction information such as payment status, transaction identifiers, card type, or the last digits of a payment card.

Payment processors maintain their own privacy and security practices.

D. Identity and Fraud-Prevention Information

To protect buyers, sellers, and our business, we may request or collect information reasonably necessary to verify identity, prevent fraudulent bidding or transactions, investigate suspicious activity, or comply with applicable law.

Depending upon the circumstances, this may include:

• Date of birth

• Billing or shipping verification

• Government-issued identification

• Transaction history

• Account verification information

• Fraud-prevention or risk indicators

We seek to collect such information only when reasonably necessary.

E. Communications

We may retain communications you send to us, including emails, text messages, customer-service requests, dispute communications, and other correspondence.

F. Device and Website Information

When you visit our website, certain information may be collected automatically, including:

• IP address

• Browser type

• Device type

• Operating system

• Pages visited

• Referring website

• Date and time of access

• Session information

• Website interactions

• Approximate geographic location derived from an IP address

• Cookie and similar technology identifiers

2. HOW WE USE PERSONAL INFORMATION

We may use personal information for purposes including:

• Creating and administering user accounts

• Registering users for auctions

• Accepting, recording, and administering bids

• Determining winning bidders

• Processing purchases and payments

• Providing invoices and transaction records

• Coordinating pickup, delivery, or shipment of purchased items

• Communicating about auctions, bids, purchases, account activity, and customer-service matters

• Providing auction alerts or notifications requested by users

• Preventing fraudulent, abusive, or unlawful activity

• Enforcing auction rules and our Terms and Conditions

• Resolving disputes, chargebacks, or payment issues

• Maintaining business and tax records

• Improving our website and services

• Diagnosing technical problems

• Maintaining website and account security

• Conducting analytics

• Complying with applicable legal and regulatory obligations

• Protecting the rights, safety, property, and legitimate interests of Spokane Online Auction, our users, sellers, service providers, and others

We will not use personal information for materially different purposes without providing appropriate notice and, where required by law, obtaining additional consent.

3. EMAIL AND TEXT MESSAGE COMMUNICATIONS

If you provide your email address or telephone number and consent to receive promotional communications, we may send information concerning upcoming auctions, newly listed items, promotions, business announcements, or similar services.

You may unsubscribe from marketing emails by using the unsubscribe mechanism provided in those messages.

Where promotional text messages are offered, additional consent and messaging terms may apply. You may withdraw consent from promotional text messages using the opt-out instructions provided with those messages.

Transactional communications necessary to operate your account or complete an auction transaction may still be sent even if you opt out of marketing communications.

4. COOKIES AND SIMILAR TECHNOLOGIES

Our website and service providers may use cookies and similar technologies to:

• Keep users signed into their accounts

• Maintain auction and bidding sessions

• Remember preferences

• Provide website functionality

• Protect against fraud and unauthorized activity

• Understand website usage and performance

• Improve our services

• Measure advertising or marketing effectiveness where applicable

Some cookies are necessary for the website to function properly. Other cookies may be optional.

Where required by applicable law, we will obtain appropriate consent before using non-essential cookies or similar technologies.

Browser settings may allow you to block or delete certain cookies. Disabling necessary cookies may prevent portions of the auction website from functioning properly.

5. HOW WE DISCLOSE PERSONAL INFORMATION

We may disclose personal information to third parties when reasonably necessary to operate our business or provide our services.

These parties may include:

• Website hosting providers

• Auction-platform or software providers

• Payment processors

• Email and text-message providers

• Shipping and delivery providers

• Cloud storage providers

• Information technology and cybersecurity providers

• Analytics providers

• Fraud-prevention and identity-verification providers

• Accountants, attorneys, insurers, and professional advisers

• Government, regulatory, or law-enforcement authorities where legally required

Service providers may receive only the information reasonably necessary to perform services on our behalf and are expected to handle that information appropriately.

We may also disclose information where reasonably necessary to investigate fraud, enforce our agreements, collect amounts owed, protect our legal rights, or protect the safety or property of users or others.

6. SALE OR SHARING OF PERSONAL INFORMATION

Spokane Online Auction does not sell personal information for money as part of its ordinary business operations.

If our use of advertising, analytics, cookies, or other technologies constitutes a “sale,” “sharing,” or similar activity under an applicable U.S. state privacy law, individuals covered by that law may exercise applicable opt-out rights.

Where legally required, we will provide an appropriate mechanism for exercising those rights.

We do not knowingly sell or share the personal information of children for targeted advertising.

7. CROSS-BORDER DATA PROCESSING

Spokane Online Auction operates in the United States.

If you access our services from Canada or another country, your personal information may be transferred to, stored in, or processed in the United States or another jurisdiction where our service providers operate.

Privacy and data-protection laws in those jurisdictions may differ from those in your province, territory, state, or country. Information processed in another jurisdiction may be subject to lawful access by courts, law-enforcement agencies, national-security authorities, or other governmental authorities in that jurisdiction.

We take reasonable measures designed to ensure that service providers handling personal information on our behalf provide appropriate protection for that information.

8. DATA RETENTION

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as otherwise required or permitted by law.

Retention periods may vary depending upon:

• The nature of the information

• The duration of your account

• Auction and transaction history

• Tax and accounting requirements

• Fraud-prevention requirements

• Payment disputes and chargebacks

• Legal obligations

• Actual or potential disputes or litigation

• Legitimate business recordkeeping requirements

When personal information is no longer reasonably required, we may delete, destroy, anonymize, or otherwise securely dispose of it in accordance with our retention practices and applicable law.

9. SECURITY

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, theft, misuse, or destruction.

These safeguards may include access controls, password protections, encryption where appropriate, secure hosting practices, software updates, and limiting access to personal information to persons who reasonably require it.

No Internet transmission, website, database, or electronic storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security.

Users are responsible for maintaining the confidentiality of their account credentials and should notify us promptly if they believe their account has been compromised.

10. PRIVACY RIGHTS

Depending upon where you reside and which privacy laws apply to Spokane Online Auction, you may have rights concerning your personal information.

These may include the right to:

• Request information about personal information we maintain about you

• Access personal information

• Correct inaccurate personal information

• Request deletion of certain personal information

• Withdraw consent where processing is based upon consent, subject to legal or contractual restrictions

• Opt out of certain uses or disclosures of personal information

• Opt out of the sale or sharing of personal information where applicable

• Opt out of certain targeted advertising where applicable

• Obtain information regarding categories of information collected or disclosed

• Challenge our compliance with applicable Canadian privacy requirements

• Appeal certain decisions concerning privacy requests where applicable

• Exercise privacy rights without unlawful discrimination or retaliation

These rights are not absolute. Applicable law may permit or require us to retain certain information, including transaction, tax, accounting, fraud-prevention, security, or legal records.

We may need to verify your identity before completing a privacy request.

To submit a privacy request, contact us using the information in Section 16 below.

11. CANADIAN USERS

For individuals in Canada, Spokane Online Auction handles personal information in accordance with applicable Canadian privacy requirements.

Where PIPEDA applies, our practices are intended to follow the principles of:

• Accountability

• Identifying purposes

• Consent

• Limiting collection

• Limiting use, disclosure, and retention

• Accuracy

• Safeguards

• Openness

• Individual access

• Challenging compliance

Canadian users may request access to personal information under our control and may challenge its accuracy or completeness.

Where consent is the legal basis for collection, use, or disclosure, you may withdraw your consent subject to reasonable notice and applicable legal or contractual restrictions.

Spokane Online Auction has designated a person responsible for overseeing privacy inquiries and compliance. That person may be contacted using the information in Section 16.

Residents of provinces with additional or substantially similar private-sector privacy legislation may have additional rights under provincial law.

12. U.S. STATE PRIVACY RIGHTS

Residents of certain U.S. states may have additional privacy rights under their state's consumer privacy laws.

Where such laws apply to Spokane Online Auction, we will honor applicable rights, which may include rights to access, correct, delete, or obtain certain personal information and to opt out of certain sales, sharing, targeted advertising, or profiling.

We will not discriminate against an individual for exercising a privacy right protected by applicable law.

13. CHILDREN'S PRIVACY

Our auction services are intended for adults who are legally capable of entering into binding transactions.

Spokane Online Auction does not knowingly permit children under 13 to create accounts or knowingly collect personal information online from children under 13 without legally required parental consent.

Auction registration may also be restricted to individuals who are at least 18 years old or the age of legal majority required by applicable auction terms and law.

If we learn that we have collected personal information from a child contrary to applicable law, we will take reasonable steps to delete or otherwise appropriately handle that information.

14. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to websites or services operated by third parties.

Spokane Online Auction is not responsible for the privacy practices, content, or security of independent third-party websites. Users should review the privacy policies of third-party services before providing personal information to them.

15. BUSINESS TRANSFERS

If Spokane Online Auction is involved in a merger, acquisition, financing, reorganization, sale of assets, bankruptcy, or transfer of all or part of the business, personal information may be disclosed or transferred as part of that transaction where permitted by law.

Any successor organization receiving personal information will be expected to handle that information in accordance with applicable privacy requirements.

16. PRIVACY CONTACT

Questions, complaints, access requests, correction requests, deletion requests, withdrawals of consent, and other privacy inquiries may be directed to:

Spokane Online Auction
Privacy Officer: [Owner/Privacy Officer Name or Title]
Mailing Address: [Business Mailing Address]
Email: [Privacy or Business Email Address]
Telephone: [Business Telephone Number]
Website: spokaneonlineauction.com

We may request reasonable information necessary to verify your identity before responding to certain privacy requests.

17. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically to reflect changes to our services, technology, business practices, or legal requirements.

The current version will be posted on our website with an updated “Last Updated” date.

If we make material changes affecting how personal information is collected, used, or disclosed, we will provide additional notice or obtain consent when required by applicable law.

18. CONSENT AND ACKNOWLEDGMENT

Where consent is required by applicable law, we will request consent appropriate to the nature and sensitivity of the information and the purpose for which it is collected, used, or disclosed.

By voluntarily providing personal information and using our services, you acknowledge the information-handling practices described in this Privacy Policy. Nothing in this section limits any privacy right or consent requirement that cannot legally be waived.