We take your privacy seriously. This policy covers how we treat personal
information that we collect and receive, including information related
to your past use of our products and services. Personal information is
information about you that is personally identifiable like your name,
address, email, or phone number, and that is not otherwise publicly
available. This policy does not apply to the practices of companies that
we do not own or control, or to people that we do not employ or manage.
We may collect the following types of information:
Personal Information – We collect personal information when you register
with us, when you use our service, visit our pages or the pages of
certain our partners. Your personal information includes your name,
email address, birth date, gender, zip code, occupation, industry,
education, social relationship, and personal interests. For some
financial products and services we might also ask for your address,
social security number, and information about your assets.
Computer Information - When you access our services via a browser,
application or other client, our system may automatically receive and
record information from your computer and browser. These kinds of
information may also include your web request, your interaction with a
service, IP address, browser type, browser language, hardware
attributes, the date and time of your request and one or more cookies
that may uniquely identify your browser or your account.
Cookies – When you visit our site, we send one or more cookies to your
service, including for storing user preferences, improving ad selection,
and tracking user trends such as how people use our service. We also use
cookies in advertising services to help advertisers and publishers serve
and manage ads across the web and on other services.
Communication Information – When you send email or other communications
to us, we may retain those communications in order to process your
inquiries, respond to your requests and improve our services. When you
send and receive SMS messages to or from one of our services that
provides SMS functionality, we may collect and maintain information
associated with those messages, such as the phone number, the wireless
carrier associated with the phone number, the content of the message,
and the date and time of the transaction. We may use your email address
or phone number to communicate with you about our services.
Transaction Information - We collect information about your transactions
with us and with some of our business partners, including information
about your use of financial products and services that we offer.
Affiliated Services On Other Sites – We offer some of our services on or
through other web sites. Personal information that you provide to those
sites may be sent to us in order to deliver the service. We process such
Third Party Applications – We may make available third party
applications, such as gadgets or extensions, through our services. The
information collected by us when you use a third party application is
party application provider is governed by their privacy policies.
control over the sites that we do not own or manage.
USE OF INFORMATION
We use information for the following general purposes: to customize the
content and advertising you see, fulfill your requests for products and
services, improve our services, contact you, conduct research, and
provide anonymous reporting for internal and external clients.
We may combine information about you that you submit under your account
with information we obtain from other services or business partners in
order to provide you with a better experience and to improve the quality
of our services. In addition to the above, we may use the information we
collect to provide, maintain, protect, and improve our services and
develop new services, and to protect the rights or property of us or our
users. If we use this information in a manner different than the purpose
for which it was collected, then we will ask for your consent prior to
such use. We process personal information on our servers in the United
States of America and in other countries. In some cases, we process
personal information outside your own country.
INFORMATION SHARING AND DISCLOSURE
We do not rent, sell, or share personal information about you with other
people or non-affiliated companies except to provide products or
services you've requested, when we have your permission, or under the
We provide the information to trusted partners who work on behalf of
us or with us under confidentiality agreements. We require that these
parties agree to process such information based on our instructions and
confidentiality and security measures. These companies may use your
personal information to help us communicate with you about offers from
us and our marketing partners. However, these companies do not have any
independent right to share this information.
We respond to subpoenas, court orders, or legal process, or to
establish or exercise our legal rights or defend against legal claims.
We believe it is necessary to share information in order to
investigate, prevent, or take action regarding illegal activities,
suspected fraud, situations involving potential threats to the physical
required by law. We have a good faith belief that access, use,
preservation or disclosure of such information is reasonably necessary
to (a) satisfy any applicable law, regulation, legal process or
enforceable governmental request, (b) enforce applicable Terms of
Service, including investigation of potential violations thereof, (c)
detect, prevent, or otherwise address fraud, security or technical
issues, or (d) protect against harm to the rights, property or safety of
our services, and the users or the public as required or permitted by
If we become involved in a merger, acquisition, or any form of sale of
some or all of our assets, we will ensure the confidentiality of any
personal information involved in such transactions and provide notice
before personal information is transferred and becomes subject to a
MANAGEMENT OF INFORMATION
When you use our services, we make good faith efforts to provide you
with access to your personal information and either to correct this data
if it is inaccurate or to delete such data at your request if it is not
otherwise required to be retained by law or for legitimate business
We ask individual users to identify themselves and the information
requested to be accessed, corrected or removed before processing such
requests, and we may decline to process requests that are unreasonably
repetitive or systematic, require disproportionate technical effort,
jeopardize the privacy of others, or would be extremely impractical (for
instance, requests concerning information residing on backup tapes), or
for which access is not otherwise required.
You can edit your personal account information at any time. Also, you
can delete your personal account by visiting user account management
page. Because of the way we maintain certain services, after you delete
your information, residual copies may take a period of time before they
are deleted from our active servers and may remain in our backup
We reserve the right to send you certain communications relating to our
service, such as service announcements, administrative messages and the
newsletter, that are considered part of your personal account, without
offering you the opportunity to opt out of receiving them.
CONFIDENTIALITY AND SECURITY
We limit access to personal information about you to employees who we
believe reasonably need to come into contact with that information to
provide products or services to you or in order to do their jobs. We
restrict access to personal information to our contractors and agents
who need to know that information in order to process it on our behalf.
All of these individuals are bound by confidentiality obligations and
may be subject to discipline, including termination and criminal
prosecution, if they fail to meet these obligations.
We have physical, electronic, and procedural safeguards that comply with federal
regulations to protect personal information about you.
We take appropriate security measures to protect against unauthorized access to
or unauthorized alteration, disclosure or destruction of data. These
include internal reviews of our data collection, storage and processing
practices and security measures, including appropriate encryption and
physical security measures to guard against unauthorized access to
systems where we store personal data.
We may update this policy from time to time without your explicit
the changes are significant, we will provide a more prominent notice. We
may notify you about significant changes in the way we treat personal
information by sending a notice to the primary email address specified
in your account or by placing a prominent notice on our site.
QUESTIONS AND SUGGESTIONS
If you have questions or suggestions, please contact us with the contact
information given in the web site.