This Privacy Notice describes the information collection, use, retention, and sharing practices of Bag Borrow or Steal, Inc. ("Bag Borrow or Steal", "we", "us", "our") when you interact with us through our website, www.bagborroworsteal.com (the "Website") and when you interact with us offline, such as when you contact us via telephone or by other offline means (collectively, the "Services").

As used in this Privacy Notice, "personal information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person.

PERSONAL INFORMATION WE COLLECT, WHY AND FOR HOW LONG

We collect personal information as you engage with our Services, including when you:

• Contact us. When you contact us, we collect, from you, your personal identifiers (name, email address) and any additional information you choose to include in your message. We use this information to respond to your questions or inquiries and to troubleshoot where necessary.
• Create an account. When you create an account, we collect, from you, your personal identifiers (name, email address, physical address) and selected password. We use this information to create and maintain your account, communicate with you, and facilitate your access to the Services.
• Sell an item. When you sell an item, we collect, from you, your personal identifiers (name, email address, telephone number, physical address), commercial information (type of item, brand/designer, item description, image(s) of item). We use this information to communicate with you about the item, assess the item's condition and authenticity, and to facilitate payment (i.e. send you a check or other payment method) once the item is sold.
• Borrow an item. When you borrow an item, we collect, from you, your personal identifiers (name, email address, physical address, telephone number) and commercial information (borrowed item). We use this information to ship the borrowed item to the physical address provided and to communicate with you about the borrowed item, including by sending you renewal date reminders upon expiration of the then-current borrow period.
• Submit payment. When you submit payment to either purchase an item or borrow an item, we collect from you or from our payment processor, Braintree, your sensitive financial information (credit/debit card number, expiration date, and CVV). We use this information to process your payment, fulfill and manage your order, and to conduct audits. Bag Borrow or Steal only has access to card type and the last four digits of the card. For transparency, Braintree may share information with third parties for fraud-related purposes. Please see Braintree's Privacy Policy for information regarding Braintree's collection, use, and sharing of personal information. If you elect to submit your payment through the "Express Checkout" via PayPal or Affirm, you will need to log in/open an account with the relevant service provider to proceed using the "Express Checkout". Their use and retention of your personal information is subject to their own privacy policies. For additional information, please see PayPal's Privacy Policy and Affirm's Privacy Policy.
• Opt in to receive SMS communications. We collect mobile phone numbers to send transactional and marketing SMS messages. By submitting your mobile number specifically for SMS messages, you agree to receive automated text messages from Bag Borrow or Steal. Consent is not a condition of purchase. You can opt out at any time by replying STOP to any text message and can reply HELP for help. Message and data rates may apply. Message frequency varies. For more information, please see our Terms and Conditions. We do not share text messaging originator opt-in data and consent information with any third parties except service providers that assist us in the delivery of text messages.
• Sign up to receive special offers. When you sign up to receive special offers, we collect, from you, your personal identifiers (email address). We use this information to send you information about new product arrivals, discounts, and more! You may revoke your consent at any time with effect moving forward by clicking the "unsubscribe" link included within each email we send to you. However, we will continue to send you service-related messages. We, through our service provider, use tracking pixels to determine whether you open emails, the time of opening, information about the device you use (including IP address), whether you interacted with the email, the topic of the email, whether it was delivered, sender and recipient addresses. We use this information to:
  • measure the effectiveness of our communications and make them more attractive, particularly by improving email subject lines;
  • limit the frequency of sending or stop it, ensuring emails continue to reach their recipients;
  • detect and analyze suspected fraud;
  • personalize communications based on your interest in received emails and interaction with them. This personalization includes: adapting message content / adjusting sending frequency or communication channel / optimizing campaigns based on reactions (e.g., adjusting email subject lines); and
  • offer tailored content or advertisements on other websites, applications, or communication channels.
  You can avoid downloading the pixel by rejecting the download of images in the email.
• Interact with us on social media. When you interact with our social media pages on social networking websites, such as Facebook, X, LinkedIn, Instagram, YouTube, and Pinterest (each a "Social Media Page" and collectively, "Social Media Pages"), we collect basic engagement metrics and use it to tailor content and marketing and use it to improve user experience as set forth in this section. Please note that we do not control the use or storage of the information that you have posted to any social networking websites. This information is collected and processed by the social networking websites for their own purposes, including marketing. For more information on how Facebook, X, LinkedIn, Instagram, YouTube, and Pinterest use your personal information, please see Facebook's Privacy Policy, X's Privacy Policy, LinkedIn's Privacy Policy, Instagram's Privacy Policy, YouTube's Privacy Policy, and Pinterest's Privacy Policy.
  • Social Media Pages. When interacting with our Social Media Pages, we collect, from you, your personal identifiers (first and last name) and visual information (photograph (i.e., profile picture)), as well as any information that you provide when interacting with our Social Media Pages (e.g., commenting, sharing, and rating). We use this information to advertise our products, for events and invitations, and to communicate with users via the contribution and comment function. Because our Social Media Pages are publicly accessible, when you use them to interact with other users, for example by posting, leaving comments or liking or sharing posts, any personal information that you post in them or provide when registering can be viewed by others or used by them as they see fit. The content posted on our Social Media Pages or other public areas of social networking websites can be deleted in the same way as other content that you have created. If at any time you want content posted to be deleted, please email your request to us at [email protected].
  • Community Management. We collect, from you, your contact, including "likes", shares, messages and other interactions with the content, in order to analyze and evaluate how our content is perceived, to learn from it, and to improve our public relations efforts.
  • Page Insights. When you visit our Social Media Page, the applicable Social Network records your IP address and other information about your usage behavior on our Social Media Page. The Social Network collects this information through trackers in the browser of your device or via the advertising ID (IDFA from Apple or GAID from Google), when you open the Social Network app through your mobile device (e.g., smartphone or tablet). The Social Network uses this information to provide us with statistical evaluations of the use of our Social Media Page. We receive this information directly from Social Network, in the form of aggregated data and anonymous statistics regarding certain data points, such as: age; gender; city/country; device; inquiries from fans about other Social Media Pages; region and language settings of the users; proportion of men and women; the number of people reached; clicks on posts, "likes" and reactions; comments and shared content; and total video views. We use this information to analyze and improve the advertising campaigns we conduct through our Social Media Pages. We do not collect or process any other personal information in connection with Social Network "Page Insights" function.
    
    We do not retain this information independently. For information on data protection and the storage period on the Social Network in relation to its Insights function, see the Social Network privacy policy linked above. It has been contractually agreed with the Social Network that the Social Network is responsible for providing you with information about the processing for Page Insights.
  • Information Processed Solely by Social Networks. We do not know how the Social Networks use personal information for their own purposes, how long the personal information is stored on the Social Networks or whether the Social Network's data is passed on to third parties. If you are currently logged in to a Social Network as a user, the Social Network automatically collects, through trackers on your device, your Social Network ID or a link between the Social Network ID and the advertising ID (IDFA from Apple or GAID from Google) when you open the Social Network app through your mobile device (e.g., smartphone or tablet). This enables the Social Network to understand that you have visited our Social Media Page along with other social media pages that you have clicked on, whether you clicked on Social Network buttons integrated into websites that partner with the Social Network, and other online interactions that report user data to the Social Network. Based on this data, content or advertising tailored to you can be offered. You can find more information about the personal information collected by Social Networks, how it is used and how long it is stored by visiting the Social Network's privacy policies, linked above.
• Interact with the Website. In addition to the personal information you provide directly to us, we also collect information from you automatically as you use our Website via cookies, pixels, web beacons, and similar tracking technologies.

We use essential, performance, marketing, and analytics cookies to automatically collect certain internet and other electronic network activity information when you interact with the Website. This includes things like Internet Protocol address (e.g. IP address), location, device type, browser type, browser version, the pages of our Website that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data. We use this information to: (i) track you within the Website; (ii) enhance user experience; (iii) conduct analytics to improve the Website; (iv) prevent fraudulent use of the Website; (v) diagnose and repair Website errors, and, in cases of abuse, track and mitigate the abuse; and (vi) market to you more effectively across different web pages and social media platforms based on your browsing habits and history.

Third party marketing and analytics cookies may be considered sale or sharing (i.e. disclosure for targeted advertising purposes) under state data privacy laws. To opt out, please visit Your Privacy Choices. In general, you can also disable cookies by setting your browser to refuse cookies or indicate when a cookie is being sent. Please note, if you opt out of these targeted advertising cookies, your opt-out will be specific to the web browser, app, or device from which you accessed the opt-out. If you use multiple devices or web browsers, you will need to opt out of each browser or device that you use.

Particular third-party cookies to note on our Website include the following:

• Google Analytics. We use Google Analytics to collect information on your use of the Website for its improvement. To collect this information, Google Analytics installs cookies on your browser or reads cookies that are already there (for more information about how Google collects and uses the information see here). Google Analytics also receives information about you from applications you have downloaded or services that you use that partner with Google. Google's ability to use and share information collected by Google Analytics about your visits to our Website or to another application which partners with Google is restricted by the Google Analytics Terms of Use and Privacy Policy. To prevent your data from being used by Google Analytics, you can download the Google Analytics opt-out browser add-on, which can be accessed here. You can also adjust your Ad Settings or change settings in your Google My Activity if you are signed into your Google Account. To opt out, please visit Your Privacy Choices.
• Google Tag Manager. Google Tag Manager is a tag management system to manage tags used for tracking and analytics on our Website. Tags are small code elements that, among other things, are used to manage traffic and visitor behavior and to test and optimize websites. We utilize Google Tag Manager to manage and organize all third-party tags on our Website and to control when those tags are triggered. You can view more information about Google Tag Manager's privacy practices here.
• DoubleClick. We utilize DoubleClick by Google to serve ads based on a user's prior visits to our Website. Each visitor to our Website receive a different cookie, and the information collected by the cookie is used to generate conversion statistics and allows us to see the total number of individuals who clicked on our ads. DoubleClick enables Google and its partners to serve ads to you based on your visits to our Website in addition to other websites on the Internet. Please review Google's Privacy Policy for additional information on how Google uses the information collected. To opt out of targeted advertising by Google and this sharing, you can go to Google's Ad Settings, or you can install the DoubleClick opt-out browser plugin. To opt out, please visit Your Privacy Choices.
• Meta Pixel. We use Meta Pixel to serve you ads on your social media based on your browsing behavior. Meta Pixel sets a cookie on your device that allows your behavior to be tracked after you have been redirected to the Website by clicking on a Facebook ad. This enables us to measure the effectiveness of Facebook ads for statistical and market research purposes and to provide targeted advertising. We do not have access to the information collected through the Meta Pixel. The information collected via Meta Pixel is stored and processed by Meta. Meta may link this information to your Facebook account and use it for its own promotional purposes in accordance with Facebook's Data Usage Policy. You can opt out of displaying Facebook ads and sharing by visiting your Facebook Ad Settings. To opt out, please visit Your Privacy Choices.
• Microsoft Clarity. We partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our Website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement. To opt out, please visit Your Privacy Choices.
• Aggregate and anonymize data. We deidentify and/or aggregate the data we collect and use and share it, in deidentified and/or aggregated form, for benchmarking purposes, advertising, and internal analytics. We maintain and use this data in deidentified form. We will not attempt to reidentify the data unless it is necessary to determine whether our deidentification processes satisfy applicable data protection laws.

Bag Borrow or Steal will also use the personal information we collect as described in this section to comply with the law, to efficiently maintain our business, and for other limited circumstances as described in HOW WE SHARE YOUR PERSONAL INFORMATION.

DATA RETENTION

Unless otherwise stated in this Privacy Notice, we retain your personal information (i) for as long as you maintain an account with us, (ii) until we receive a valid request to delete the information, in which case we will delete or anonymize the information, (iii) until we no longer need the information to fulfill the purposes for which we collected it, or (iv) until the information is no longer needed for a service provider or contractor's operational purpose(s).

We use the following criteria to determine whether it remains reasonably necessary to retain your personal information for such purposes or a service provider or contractor's operational purpose(s): (i) whether there is a retention period required by statute or regulations; (ii) the existence of actual or threatened litigation for which we are required to preserve the information; (iii) the statutes of limitations for potential legal claims; and (iv) generally accepted best practices in our industry, including in relation to the safety and security of our properties and assets. When we determine that it is no longer reasonably necessary to retain your personal information for one or more disclosed operational purposes based on the above criteria, we will delete or anonymize your personal information.

HOW WE SHARE YOUR PERSONAL INFORMATION

A. General Sharing

Bag Borrow or Steal shares personal information as described in PERSONAL INFORMATION WE COLLECT, WHY AND FOR HOW LONG, and generally in the following instances:

• Within Bag Borrow or Steal. We share your personal information within Bag Borrow or Steal for the legitimate business purposes of efficiently and effectively providing the Services, such as accounting and customer service support. Access to your personal information is limited to those on a need-to-know basis.
• In the event of a corporate reorganization. In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, including without limitation bankruptcy or liquidation, we would share personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction.
• For legal purposes. We share personal information where we are legally required to do so, such as in response to court orders, subpoenas, governmental/regulatory bodies, law enforcement or legal process, including for national security purposes. We may share your information with our legal advisors or auditors to establish, protect, or exercise our legal rights or as required to enforce our terms of service or other contracts or to defend against legal claims or demands. We also share this information with third parties as necessary to: detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; to comply with the requirements of any applicable law; or to comply with our legal obligations.

With your consent. Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent at any time with effect moving forward and may do so by contacting us via email at [email protected].

All of the above categories exclude text messaging originator opt-in data and consent. We will not share this information with any third parties except for service providers that assist us in the delivery of text messages.

B. Sharing in the Last Twelve (12) Months

For a business purpose. In the preceding twelve (12) months, Bag Borrow or Steal has disclosed the following categories of personal information for a business purpose to the following categories of third parties:

• We have disclosed your personal information to service providers that assist us in providing the Services. These service providers assist us with the following: information technology ("IT") support; website hosting; cloud storage; data analysis; customer service; email delivery; marketing; external auditors; payment processing; distribution; shipping providers; and similar services.
• We have disclosed your internet or other electronic network activity information collected by cookies to our IT support to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to identify and repair the Services and platform errors.
• We have disclosed your internet or other electronic network activity information collected by cookies to our IT support to update, improve, and maintain the Website.

All of the above categories exclude text messaging originator opt-in data and consent. We will not share this information with any third parties except for service providers that assist us in the delivery of text messages.

C. Sale of Personal Information

In the preceding twelve (12) months, Bag Borrow or Steal has shared your internet or other electronic network activity information collected via cookies and other tracking technologies with our data analytics providers and ad networks as described in PERSONAL INFORMATION WE COLLECT, WHY AND FOR HOW LONG to provide targeted advertising. Such sharing may be deemed a sale or sharing (i.e. disclosure for targeted advertising purposes) under state data privacy laws. To opt out of the sale/sharing through cookies and targeted advertising, please visit Your Privacy Choices.

In the preceding twelve (12) months, Bag Borrow or Steal has shared your personal identifiers (email address, physical address) with third parties for marketing purposes. Such sharing may be deemed a sale under state data privacy laws. To opt out, email [email protected] or submit a request using our [webform]. If you are a California resident, you can also opt out by calling us toll-free at 1-866-922-2267.

YOUR INFORMATION CHOICES

You have the following choices with respect to your personal information:

• Correct or View Your Information. You may access your account to correct or view certain personal information you have provided to us, and which is associated with your account.
• Opt Out of Google Analytics. To prevent your personal information from being used by Google Analytics, you can download the Google Analytics opt-out browser, which can be accessed here.
• Opt Out of DoubleClick. To opt out of targeted advertising by Google and this sharing, you can go to Google's Ad Settings, or you can install the DoubleClick opt-out browser plugin.
• Opt Out of Meta Pixel. You can opt out of displaying Facebook ads and sharing by visiting your Facebook Ad Settings.
• Opt Out of Microsoft Clarity. You can opt out of Microsoft Clarity telemetry by selecting Microsoft here.
• Opt Out of Advertising Cookies. All session cookies are temporary and expire after you close your web browser. In addition to opting out of certain trackers in Your Privacy Choices, persistent cookies can be removed by following your web browser's directions. To find out how to see what cookies have been set on your computer or device, and how to reject and delete the cookies, please visit: https://www.aboutcookies.org/. Please note that each web browser is different. To find information relating to your browser, visit the browser developer's website and mobile application. If you reset your web browser to refuse all cookies or to indicate when a cookie is being sent, some features of our website may not function properly. If you choose to opt out, we will place an "opt-out cookie" on your device. The "opt-out cookie" is browser specific and device specific and only lasts until cookies are cleared from your browser or device. The opt-out cookie will not work for essential cookies. If the cookie is removed or deleted, if you upgrade your browser or if you visit us from a different computer, you will need to return and update your preferences. By clicking on the "Opt-Out" links below, you will be directed to the respective third-party website where your computer will be scanned to determine who maintains cookies on you. At that time, you can either choose to opt out of all targeted advertising or you can choose to opt out of targeted advertising by selecting individual companies who maintain a cookie on your machine. Our use of third-party marketing and analytics cookies is considered a sale/sharing under certain state privacy laws and is also considered to be what is known as interest-based advertising (IBA). To opt out of the sale/sharing through cookies and IBA across various platforms, please visit the Digital Advertising Alliance's YourAdChoices program tools (Your Ad Choices) or visit one of the links below.
  • Network Advertising Initiative (NAI) Opt-Out: https://www.networkadvertising.org/managing/opt_out.asp
  • Digital Advertising Alliance (DAA) Opt-Out: https://optout.aboutads.info
  • European Union (EU) /European Economic Area (EEA) Opt-Out: http://www.youronlinechoices.eu
  • In general, you can also disable cookies by setting your browser to refuse cookies or indicate when a cookie is being sent.
• Opt Out of Email Tracking. You can disable this tracking by blocking automatic loading of images in your email.
• Opt Out of Marketing Communications. You may opt out of receiving marketing emails from us by clicking the "unsubscribe" link provided at the bottom of each email we send. Please note that we will continue to send you notifications necessary to the services.

STATE PRIVACY RIGHTS

Residents of California, Connecticut, New Jersey, and Texas are entitled to certain rights under their respective state's comprehensive data privacy law. If you are a resident of one of these states, you are entitled to the following rights:

• Right to Access/Know. You have the right to request what personal information we have collected, used, disclosed, and sold about you, subject to certain exceptions. For example, if providing you with this information reveals any of our trade secrets, we may deny this request.
• Right to Deletion. You have the right to request the deletion of your personal information that we collect or maintain, subject to certain exceptions. For example, if we are required by law to retain the information that you are asking to be deleted, we would not be able to delete the information until we are legally permitted to delete it.
• Right to Correct. You have the right to correct inaccurate personal information that we collect or maintain.
• Right to Opt Out. You have the right to opt out of the processing of your personal information for the purposes of: (i) targeted advertising; (ii) profiling through solely automated decision making; and (iii) the sale or sharing of your personal information to third parties. We do not have actual knowledge that we sell, share, profile, or process for purposes of targeted advertising the personal information of individuals under the age of 18 without their affirmative consent.
• Right to Data Portability. You have the right to request that we transfer your personal information to another organization or give it to you.
• Right to Non-Discrimination. You have the right to not receive discriminatory treatment in the processing of your personal information if you choose to exercise your privacy rights. Such discriminatory treatment may include but is not limited to: (i) the denial of goods or services, (ii) being charged a different price or rate, or (iii) receiving a different level of quality in goods or services.
• Right to Limit Use of Sensitive Personal Information (California residents only). You have the right to limit the use of your sensitive personal information when such use goes beyond that which is necessary for providing the Services or certain other permissible purposes like fraud, customer service or quality control. Sensitive information includes Social Security number, driver's license number, biometric information, precise geolocation, and racial and ethnic origin. However, Bag Borrow or Steal does not process personal information in a manner that gives rise to this right.
• Right to Appeal. You have the right to appeal our refusal to take action on your request to exercise your other rights. In order to request an appeal to our refusal please email us at [email protected], subject line: "Appeal My Consumer Request". We will review the appeal and notify you of our response. If we still refuse to take action on your request, you have the right to file a complaint with applicable state regulator, as follows:
  • For Connecticut residents: If you are a concerned with our response as a result of your appeal, you may submit a complaint to the Connecticut Attorney General here.
  • For New Jersey residents: If you are a concerned with our response as a result of your appeal, you may submit a complaint to the New Jersey Attorney General here.
  • For Texas residents: If you are a concerned with our response as a result of your appeal, you may submit a complaint to the Texas Attorney General here.

Exercising Your Privacy Rights

If you are a resident of one of the states identified above and wish to exercise your privacy rights, you may submit a request by completing our [webform] or by contacting us via email at [email protected]. If you are a California resident, you may also submit your request by calling us toll-free at 1-866-922-2267. To opt out of the sale or sharing of your data through cookies or the processing of your personal information for purposes of targeted advertising, please visit Your Privacy Choices. If the browser or extension that you (or your authorized agent) are using supports Global Privacy Control (GPC) (see here for more information), you may utilize the GPC opt out preference signal to instruct us to not sell or share any of your personal information collected online. The GPC opt out preference signal will apply to the device, platform, or browser in which you utilize it. You can utilize the opt out preference signal by turning on the signal in your device, platform, or browser settings. Please note that you must opt out of each device and each browser.

When submitting a request to know/access, correct, or delete your personal information, you must provide us with sufficient information that allows us to reasonably verify you are the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. In doing so, we will take steps to verify your request by matching information provided by you with the information we have in our records. If we are not able to verify your identity for know/access, correction, or deletion requests with the information provided, we may ask you to provide additional information.

Only you, or a person that you authorize to act on your behalf may make a request related to your personal information. If you are an authorized agent making a request on behalf of another individual, you must provide us with signed documentation that you are authorized to act on behalf of that individual.

NEVADA RESIDENTS

If you are a consumer in the State of Nevada, you may request to opt-out of the current or future sale of your personal information. We do not currently sell any of your personal information under Nevada law, nor do we plan to do so in the future. However, you can submit a request to opt-out of future sales by contacting us at [email protected] regarding the sale of such information. Please include "Opt-Out Request Under Nevada Law" in the subject line of your message.

DO NOT TRACK

We do not respond to Do Not Track requests. Do Not Track is a preference you can set in your web browser to inform websites and mobile applications that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

INFORMATION SECURITY

We implement appropriate technical and organizational security measures, such as access controls and encryption, to protect the personal information that we collect and maintain from unauthorized access, destruction, use, modification, or disclosure. However, no security measure or modality of data transmission is 100% secure, and we are unable to guarantee the absolute security of the personal information we have collected from you.

CHILDREN'S PRIVACY

The Services are not intended for anyone under the age of eighteen (18). We do not knowingly collect the personal information of anyone under the age of eighteen (18). If we learn that we have collected or received personal information from individuals under the age of eighteen (18), we will delete the personal information. If you believe we have personal information on individuals under the age of eighteen (18), please contact us at the contact information provided below.

CHANGES TO THIS PRIVACY NOTICE

We may amend this Privacy Notice in our sole discretion at any time. If we do, we will post the changes to this page and will indicate the date the changes go into effect. We encourage you to review our Privacy Notice to stay informed. If we make changes that materially affect your privacy rights, we will notify you by prominent posting on the Website and/or via email, and obtain your consent, if required.

CONTACT US

If you have any questions about this Privacy Notice or need to access this Privacy Notice in an alternative format due to having a disability, please contact us by email at [email protected] (and use "Privacy Inquiry" in the subject line).