At Finance-world.net, we take privacy seriously and we respect the privacy concerns of our community of users. This Privacy Policy (the “Privacy Policy”) describes how the Finance-world.net publishing family and any other digital properties that link to this Privacy Policy (collectively, the “Company,” “we,” “us,” or “our”) collect, use, disclose, and otherwise process personal information in connection with our websites (the “Sites”), mobile applications (the “Apps”), and the related content, services, products, and other features and functionality offered on or through those Sites and Apps (collectively, the “Services”).
What Personal Information Do We Collect?
Information You Provide to Us
The personal information we collect from, and about, you may vary depending on how you engage with our Services and the information you provide voluntarily. We may collect personal information directly from you or otherwise in connection with your use of the Services, such as:
● Contact Information, including your name, contact details (such as a postal address and email address), event or conference registration and related information (including dietary restrictions or photos and videos taken at events), and communication preferences.
● Inquiry Information, including information provided in messages sent through forms or surveys, to our email addresses, or via phone. This also may include information provided when you sign up for our newsletters.
● Account Information, including name, username, account ID, date of birth, contact information, profile information, saved, “liked,” or bookmarked items (e.g., articles or recipes), payment and purchase history information, subscription information, courses enrolled in and completed, Stock Simulator results, and any other information you provide to us.
● Financial Information, including credit and debit card information, bank account and routing number, and billing and shipping address.
● Demographic Information, including age, gender, race, income, occupation, marital status, and information about your household/family status, including your household size and the length of time at your residence.
● Health- or Fitness-Related Information, including exercise and activity levels, weight-loss objectives, dietary preferences, and other health and wellness information.
● User-Generated Content, including personal information you choose to provide about yourself when you participate in forums or discussions on the Services, post comments or reviews, and participate in any Services. Please be aware that information you post may be viewed, used, or captured by anyone who visits the Services, therefore, you should avoid posting sensitive personal information that you would not want to be available to the public.
● Contest, Sweepstakes, and Survey Information, iAs is true of many digital properties, we and our third-party partners may automatically collect certain information from or in connection with your device when visiting or interacting with our Services, such as the types of information listed below and in the sub-sections here:ncluding information provided when you enter a contest or sweepstakes, information included in any responses submitted through surveys or questionnaires, or the content of any testimonials.
● Inferences About Your Interests, Preferences, and Other Behavioral Data, including hobbies, interests, and characteristics, e.g., your favorite foods, purchases, or recipes, consuming tendencies, and health and fitness information.
Information Automatically Collected
General
As is true of many digital properties, we and our third-party partners may automatically collect certain information from or in connection with your device when visiting or interacting with our Services, such as the list below and in the sub-sections here:
● Device data, including internet protocol (IP) address, operating system, device type and version, browser type and version, browser id, the URL entered and the referring page/campaign, date/time of visit, other user agent string data, the time spent on our Services, and any errors that may occur during the visit to our Services. Device data may overlap with the other categories of data listed below.
● Analytics data, including the path taken to our Services, through our Services, and when exiting our Services, usage and activity on or in connection with our Services, metrics on how many emails we send are actually opened and which attachments or links are opened, clicked, or viewed (such as via pixels, as described further below).
● Location data, including precise or coarse geographic location we or our third-party providers may collect, such as via permissions within the app operating system or browser functionality.
● Advertising/Advertising measurement data, including data associated with your view of, or your clicks on, advertisements served on our Services, cookie IDs or other digital or proprietary identifiers (e.g., iOS IDFA, Google AAID) assigned to such device, and device metadata, analytics data, and location data described above, in each case, for purposes of serving advertising (personalized or otherwise) or facilitating advertising measurement/attribution to better optimize or otherwise understand the effectiveness of ad campaigns. For more information on our and third-party partners’ data collection and online advertising practices, please see the “What are Our Third-Party Data Collection and Online Advertising Practices?” section of this Privacy Policy.
Note that we and our third-party partners may combine information that each of us collects automatically with other information about you, including information you choose to provide.
Cookies and Other Tracking Technologies
We and our third-party partners may use cookies on our Services to store information about users on the users’ computers as well as other tracking technologies, such as web beacons, pixels, SDKs, scripts, location-identifying technologies, and logging technologies to automatically collect the personal information described in this section (and otherwise expanded upon in other sections). See the “What Controls Do I Have Over My Information?” section below to learn more about how you may limit or disable cookies or certain other tracking technologies on your device.
Third-Party Sources
We also obtain personal information from third parties, which we often combine with personal information we collect either automatically or directly from an individual. For example, we may receive the same categories of personal information as described above from the following third parties:
● Other Users who Interact with our Services: We may receive your information from other users who interact with our Services.
● Business Partners: We may receive your information from our business partners, such as companies that offer their products or services on our Services or on other properties (e.g., digital properties, offline locations) or marketing/advertising and analytics partners, including third-party brands/agencies or other partners that facilitate the buying and selling of advertising inventory on our Services, measure of the effectiveness of those related ad campaigns, or inform business analytics (e.g., view rates, bounce rates, audience composition).
● Social Media Networks: When an individual interacts with our Services through various social media networks, such as when someone logs in through a social network, “Likes” us on Facebook, or follows us or shares our content on Google, Facebook, Instagram, Twitter, or other social networks, we may receive some information from those social networks including your profile information and any other information you permit the social network to share with third parties. We use this information to allow you to log into your account, to communicate or interact with individuals on the social network, to better understand the demographics of our visitors, and to personalize content and advertising. Individuals should always review and, if necessary, adjust their privacy settings on third-party websites and social media networks and services before sharing information and/or linking or connecting them to other services.
● Information We Receive From Authentication Services: Some parts of our Service may allow you to login through a third-party social network or authentication service such as Facebook or Google. These services will authenticate the individual’s identity and provide the option to share certain personal information with us, which could include a name, email address, address book and contacts, or other information. The data we receive is dependent on that third party’s policies and the individual’s privacy settings on that third-party digital property. We use this information to authenticate the individual’s account, to provide our Services, to communicate with our users, and for advertising and marketing purposes.
● Service Providers: Our service providers that perform services solely on our behalf, such as payment processors or survey and third parties who conduct marketing/advertising and analytics activities on our behalf, collect personal information and may share some or all of this information with us.
● Information Providers: We may from time to time obtain information from third-party information providers to correct or supplement personal information we collect. For example, we may obtain updated contact information from third-party information providers to reconnect with an individual or obtain demographic information (e.g., interests, preferences).
● Other Sources: We may also collect personal information about individuals that we do not otherwise have from, for example, publicly available sources, third-party data providers, brand partnerships, or through transactions such as mergers and acquisitions.
How Do We Use Personal Information?
We may use your information for various purposes, including:
● To fulfill your requests and provide our Services to you. This includes:
● Making our Services and finance-world.net products and services available to you;
● Coordinating access to your account
● Responding to requests, suggestions, questions, and comments, and providing other types of user support;
● Fulfilling your payments and transactions;
● Sending you service/transaction-related messages, such as changes to your account;
● Saving your reading lists, recipes, or other searches; and
● Communicating about, and administering your participation in, events, conferences, programs, contests, surveys, polls, panels, questionnaires, and other offers or promotions.
● To personalize your experience on our Services: This includes providing you with content or other products or services you might be interested in and de-emphasize content you’ve already read or viewed.
● For marketing purposes: We may send you communications about new features, updates, products, and special offers. We may also use your information to serve you ads about our products or other products or services we (or our advertising partners, such as other third-party brands/agencies) think you might find interesting. We may also use individual and aggregate information about you to inform our, and our third-party partners, marketing and advertising campaigns more broadly. For more information on your choices about marketing communications, see the “What Controls Do I Have Over My Information?” and “What are Our Third Party Data Collection and Online Advertising Practices?” sections of this Privacy Policy.
● To communicate with you: For example, we may communicate with you about your account activities, such as by providing you transaction confirmations or alerting you when a subscription is up for renewal. If you register with us, we may enroll you in our email newsletters or other periodic electronic communications and may also send you user surveys and promotional communications. We may communicate with you by email, postal mail, telephone, text message, or other means. We may use push notifications on Apps to your mobile device. For more information on how to adjust your communications preferences, see “What Controls Do I Have Over My Information?” below.
● To monitor, improve, and develop our products and services: We may use your information to understand our users and to tailor or optimize our Services. For example, we may analyze statistics and trends to make our Services better and to develop or better personalize the Services or new services or features.
● To protect the security and integrity of our business, comply with legal requirements and obligations, or as otherwise permitted by law: We may use your information to protect our company, our affiliates, including other Finfin brands, our customers, and our Services. We may also use information in order to comply with laws, regulations, court orders, or other legal obligations or to assist in an investigation, protect and defend our rights and property, or the rights or safety of third parties, enforce our Terms of Use, this Privacy Policy, or agreements with third parties, detect and prevent fraud or for crime-prevention purposes, or for any other reason permitted by law. We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets and may use information in connection with or as an asset in such a corporate business transaction. Personal information may also be used in the event of insolvency, bankruptcy, or receivership.
● For any other purposes with your consent, at your direction, or where notice is provided: We may use your personal information for any other purposes with your consent, at your direction, or where notice is otherwise provided.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Who we share your data with
Suggested text: If you request a password reset, your IP address will be included in the reset email.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where your data is sent
Visitor comments may be checked through an automated spam detection service.
How Can You Contact Us?
If you have questions about this Privacy Policy or about our privacy practices, you may contact us by emailing [email protected].