Last updated: November 6, 2017
Information We Collect and How We Collect Information
The information we collect from you falls into two categories: personally identifiable information (“Personal Information”) and non-personally identifiable information (i.e., information that cannot be used to identify who you are) (“Non-Personal Information”). Below are the various ways in which we may collect Personal Information and Non-Personal information from you.
Information We Automatically Collect. Like most websites and apps, our Services may incorporate technology such as “pixel tags”, “web beacons”, and “cookies” that allow us to track the actions of users of our Services automatically. Pixel tags or web beacons are tracking devices on websites or in emails that can monitor the behavior of the user visiting the website or sending the e-mail, and cookies are small files that web servers may place on your computer when you visit a website. These automatic tracking tools allow us to collect Non-Personal Information, such as browser information, information about when you access the Services, details of how you used our Services, such as what pages you viewed and for how long, the website address that linked you to our Site, the website that you visit after using our Services, and whether you opened our emails. We may also collect information about your mobile device when you use our mobile application or otherwise access the Services from your mobile device, including the device’s unique device identifier, location information, operating system, browser type, IP address, mobile network information. We will not access metadata or other information stored on your mobile device, such as photographs, audio or video clips, personal contacts or address book information.
Information You Voluntarily Provide to Us. If you contact us by phone, email, social media, or by some other means, we may keep a record of your contact information (including your name, company name, email address, and phone number) and the voice recording or written correspondence for later reference. We may also keep a record of any registration forms, surveys or questionnaires that you voluntarily fill out on our Site, in-person or through your use of the Services.
Pro Sessions. If you engage in a session with one of our experts (a “Pro”) on the phone or otherwise communicate with them via text, through email or other means, we will record and transcribe these phone calls and keep a record of these written exchanges for quality assurance purposes.
Publicly Posted. If you post information on public areas of the Services (i.e. comments or blog), that information is visible to and may be collected, stored and used by anyone. We recommend you be cautious about giving out Personal Information to others or sharing Personal Information in public or online forums. We are not responsible for the actions of any third parties with whom you share Personal Information.
How We Use Your Information
We may use information that we collect about you or that you provide to us, including Personal Information, to measure usage of the Services, to analyze the effectiveness of our Services, to improve and enhance functionality of the Services, to customize the Services for you, to develop new products and services, to provide support for the Services and respond to requests and inquiries, to provide you with notices via email, text or other methods of communications, such as updates or changes that we may make to the Services, and to market and advertise the Services through promotional e-mail messages.
We may from time to time aggregate some of your Personal Information in certain data analysis, reports, or other interpretations of investment trends for both internal and external purposes. When aggregating Personal Information, we make sure that the information is not identifiable to any particular user in any way.
Disclosure of Your Information
We take privacy very seriously, and we do not and will not sell, rent, or trade your Personal Information to any other third parties. Solely to the extent necessary to perform the Services as described, we will disclose your Personal Information to service providers, such as vendors, technical agents, subcontractors and consultants, to perform certain business-related functions that help make the Services and our offerings available and functional (e.g., web site hosting, maintenance, user experience improvements, email delivery services, and texting and other communication services). We contractually require these third-party service providers to maintain the confidentiality of the information we share with them, and we contractually require them not use your information for anything other than to provide services on our behalf.
We will not, as a general policy, provide your employers with access to any of your information. However, we reserve the right to disclose your information if, and only if, we determine in our sole discretion that we are ethically required to do so in order to prevent harm to you or to a third party. In such limited instances, we will only disclose that portion of information that we determine, in our sole discretion, is absolutely necessary to prevent any such harm.
We will not disclose your information to a governmental body or to any other third party unless we are legally required to do so pursuant to a valid court or other legal order. If that ever happens, we will use reasonable efforts to ensure that any such information is afforded confidential treatment.
In addition to the disclosures for the purposes above, we may disclose your Personal Information and Non-Personal Information to a buyer or other successor as part of a merger, acquisition, change of control or other similar business transfer, or in specific other cases with your express prior written consent.
We may disclose aggregated user statistics and other data with our clients (which may include your employer), affiliates, agents and current or prospective business partners. In connection with any such disclosure, we will at all times protect your privacy and ensure that this aggregate information does not personally identify you.
Choices About How We Collect, Use and Disclose Your Information
We strive to provide you with choices regarding our collection, use and disclosure of the information you provide to us. The mechanisms listed below provide you with control over such collection, use and disclosure:
Marketing Communication. If you do not want us to send you marketing or promotional communications, you can opt-out by following the unsubscribe link in any such promotional email. We will not be able to remove your information from the database of any third parties to whom you have previously authorized us to share such information. Please also note that we may still send you important administrative messages.
Voice and Text Communications. To stop receiving phone calls or text messages, please email us at firstname.lastname@example.org.
Location Information. You can choose whether or not to allow the mobile app to collect and use real-time information about your device’s location through the device’s privacy settings. If you block the use of location information, some parts of the mobile app may then be inaccessible or not function properly.
Cookies. You have the option to accept or disable cookies at any time through your browsers. You may refuse to accept browser cookies by activating the appropriate setting on your browser or activating the appropriate settings in your smartphone. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see http://kb2.adobe.com/cps/526/52697ee8.html. If you choose to disable your cookies, your user experience may be limited.
Google Analytics. You can opt out of tracking by Google Analytics by going to https://tools.google.com/dlpage/gaoptout/.
Do Not Track Signals. Third parties may keep track of your browsing activities across third party websites. Certain web browsers enable users to activate a “Do Not Track” signal but we do not currently respond to the “Do Not Track” signal or other similar mechanisms.
Notice to California Residents. If you would like to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes, please send an email to email@example.com.
To request any other changes or information about our collection, use or disclosure of your information, please email us at firstname.lastname@example.org.
Accessing and Correcting Your Information
If you wish to access, update, correct or delete any Personal Information in our possession that you have previously submitted via the Services, please contact us at email@example.com.
Please note that we are not responsible for storing any information or content that you provide to us or a Pro or for any content or information that we or a Pro provide to you. You are solely responsible for retaining backup files of any information and content that you provide or receive in connection with the Services.
Third Parties; Links to Third Party Sites
Children Under the Age of 13
Our Services are intended for users who are 18 years of age and older. If you are under the age of 13, you are not permitted to submit any Personal Information to us. If you believe we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org.
Transfer of Personal Information; International Visitors
We take reasonable steps to protect the Personal Information provided to us from loss, misuse, and unauthorized access, disclosure, alteration, or destruction and the Personal Information that we collect is secured behind a firewall. However, no Internet or e-mail transmission is ever fully secure or error free. In particular, e-mail sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via e-mail. Please keep this in mind when disclosing any Personal Information to us via the Internet.