What Information Do We Collect?
When you visit these Web Sites, you may provide us with two types of information (1) personally identifiable information that you knowingly choose to disclose, which is collected on an individual basis, and (2) general user information that does not contain personally identifiable information, which is collected on an aggregate basis as you browse the Web Sites. In some cases, if you choose not to provide us with requested information, you may not be able to access all of this Web Sites' content or services.
Personally Identifiable Information You Choose to Provide: We may ask for certain personal information from you which is necessary to provide you with the content and/or services you request. For example some of the services which ask you to provide personal information include:
- Moneylife Advisory Services Memberships
- Contributing to blogs
- Phone / Email Alerts
- Sharing pictures and videos
- Submitting questions or editorial feedback
Cookies/Web server logs: Similar to other commercial Web sites, these Web Sites utilizes standard technology called "cookies" and Web server logs to collect information about how these Web Sites is used. Cookies are a feature of Web browser software that allows Web servers to recognize the computer used to access a Web Site. Cookies are small pieces of data that are stored by a user's Web browser on the user's hard drive. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at these Web Sites, and the Web Sites visited just before and just after these Web Sites. This information is collected on an aggregate basis. None of this information is associated with you as an individual.
You can, of course, disable cookies on your computer by indicating this in the preferences or options menus in your browser. However, it is possible that some parts of our Web Sites will not operate correctly if you disable cookies. You should consult with your browser's provider/manufacturer if you have any questions regarding disabling cookies.
How Do We Use the Information We Collect?
We use your personally identifiable information to provide you with the information or content that you have requested. We will not send you any marketing material unless you have requested it through this Web Site.
Further information about how we use your personal information is provided on our web-pages at the point you submit your personal information to us.
We use non-identifying information collected on our Web Sites in the aggregate to better understand your use of the Web Sites and to enhance your enjoyment and experience. For example, we may use the information to improve the design and content of our Web Sites or to analyze the programs and services that we offer
We may employ other companies and individuals to perform functions on our behalf. Our employees, agents and contractors who have access to personally identifiable information are required to protect the information in a manner that is consistent with this Privacy Statement.
We may provide access to your personally identifiable information when legally required to do so, to co-operate with police investigations or other legal proceedings, to protect against misuse or unauthorized use of these Web Sites, to limit our legal liability and protect our rights, or to protect the rights and safety of visitors to these Web Sites or the public. In those instances, the information is provided only for those limited purposes.
We will not share your personally identifiable information in ways unrelated to those described above without providing you with an opportunity to opt out of such use or otherwise prohibit such unrelated uses.
Accessing and updating your personal information
Whenever you use our services, we aim to provide you with access to your personal information. If that information is wrong, we strive to give you ways to update it quickly. When updating your personal information, we may ask you to verify your identity before we can act on your request.
We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup systems).
Privacy Protections for Children Using the Internet
Protecting children's privacy is important to us. For that reason, we do not collect or maintain information on our Web Sites from those we actually know are under the age of 13, nor is any part of our Web Sites targeted to attract anyone under 13. We request that all visitors to our Web Site who are under 13 not disclose or provide any personally identifiable information. If we discover that a child under 13 has provided us with personally identifiable information, we will delete that child's personally identifiable information from our records.
Data Security
We take reasonable steps to maintain the security of the personally identifiable information that we collect, including limiting the number of people who have physical access to our database servers, as well as installing electronic security systems that guard against unauthorized access. However, no data transmission over the Internet can be guaranteed to be completely secure. Accordingly, we cannot ensure or warrant the security of any information that you transmit to us, so you do so at your own risk.
Consent to Transfer
Please be aware that as Moneylife is a global company, we may transfer your personal information to countries that may not guarantee the same level of protection for personal information as the one in which you reside. We are taking appropriate steps to provide an adequate level of protection to your personal information and no matter where you live, your personal information will be processed in accordance with the other provisions of this Privacy Statement. By using our Web Sites, participating in any of our services and/or providing us with your information, you consent to this transfer.
Links
This Web Site contains links to third party sites as well as to other sites owned and/or operated by Moneylife Advisory Servicess. Please be aware that Moneylife Advisory Servicess is not responsible for the privacy practices of any third party sites. Please also be aware that the privacy policies of other Moneylife Advisory Servicess sites may differ significantly from the privacy policy of this Web Site. Therefore, we encourage our users to read the privacy statement of each and every Web site that collects personally identifiable information. This Privacy Statement applies solely to information collected by this Web Site.
Changes
Our Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent. We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of privacy policy changes).
