Last Updated: May, 2020
The General Data Protection Regulation (GDPR), which comes into force on May 25th, 2018, aims to protect the fundamental right to privacy and the protection of personal data of European Union (EU) citizens.
We ((SEC)) receive, collect and store any information you enter on our website or provide us in any other way. In addition, we collect the Internet protocol (IP) address used to connect your computer to the Internet; login; e-mail address; password; computer and connection information and purchase history. We may use software tools to measure and collect session information, including page response times, length of visits to certain pages, page interaction information, and methods used to browse away from the page. We also collect personally identifiable information (including name, email, password, communications); payment details (including credit card information), comments, feedback, product reviews, recommendations, and personal profile.
When you conduct a transaction on our website, as part of the process, we collect the personal information you give us such as your name, address and email address. Your personal information will be used for the specific reasons stated above only.
We collect such Non-personal and Personal Information for the following purposes:
1. To provide and operate the Services.
2. To provide our Users with ongoing customer assistance and technical support.
3. To be able to contact our Visitors and Users with general or personalized service-related notices and promotional messages.
4. To create aggregated statistical data and other aggregated and/or inferred Non-personal Information, which we or our business partners may use to provide and improve our respective services.
5. To comply with any applicable laws and regulations.
Our company is hosted on the Wix.com platform. Wix.com provides us with an online platform that allows us to sell our products and services to you. Your data may be stored through Wix.com’s data storage, databases, and general Wix.com applications. They store your data on secure servers behind a firewall.
We may contact you to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, to send updates about our company, or as otherwise necessary to contact you to enforce our User Agreement, applicable national laws, and any agreement we may have with you. For these purposes, we may contact you via email, telephone, text messages, and postal mail.
If you don’t want us to process your data anymore, please contact us at email@example.com.
If you would like to: access, correct, amend or delete any personal information we have about you, you are invited to contact us at firstname.lastname@example.org.
1. What information do we collect about you?
We explain below the main ways that we collect and process information about you.
Information You Provide To Us:
Your use of the Services may require registration, in which case we will ask you to provide certain personal information, including an email address, username, and password. If you are enrolling in any of our Webinars and/or Courses, your registration may require further information, including, without limitation, address and/or phone number. You may also decide to provide us with some optional personal/demographic information to enhance your profile, such as your full name, professional title, year of birth, company name, and household income, investment interests, retirement information, and communications preferences. If you are a Financial Advisor participating in our Advisor Insights program, you may provide us further information about your credentials, including, without limitation, your broker CRD number, job title, state, zip code, phone number, professional website URL, biographical information and profile picture.
You may also provide personal information to us, if you choose to:
submit a help request, a customer services inquiry or other inquiry to us, or fill in any other forms for the purposes of receiving our Services;
participate in some of the features accessible via the Services (for example, message boards, games, surveys, polls, promotions, contests, or sweepstakes);
contact us about employment opportunities posted to the Services; or
otherwise use the Services in a manner that you have requested.
Depending on which of these or any other Services you use, the personal information you provide may include your name, email address, user name, home address, telephone number, and information posted by you on sites accessed via the Services. Please be aware, that by posting information to message boards, chat groups or social networking facilities available via the Services, you will be making this information available to other users of these Services to the public. You should be careful about revealing any sensitive details about yourself.
If you purchase Courses through the (SEC) Academy, please note that we do not currently collect or retain credit card numbers internally. We partner with third party payment providers. All direct payment gateways are required to adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements are intended to promote the secure handling of the credit card information.
We also have features that allow you to send an email to yourself and/or others about an item on our site. If you choose to use our email referral service, you will be required to provide the e-mail address or addresses that will be used in the notification. Upon form submission, an email will be generated to your recipient(s) inviting them to visit the URL you have recommended. We do not store this information other than for the sole purpose of sending this one-time e-mail.
Information Collected Automatically:
When you use the Services, we automatically collect and store certain information about your computer or device and your activities, including:
(1) IP address of your computer
(2) Unique device identifiers
(3) Technical information about your computer or mobile device such as type of device, mobile device ID number, web browser (Internet Explorer 8, etc.), other browser information (e.g. size, connection speed, and connection type), and operating system or platform (Mac, Windows XP, etc.)
(4) Your preferences and settings (time zone, language, etc.)
(5) Internet provider or mobile carrier name
(6) The URL of the last webpage you visited before visiting the Website
(7) Information about your activity on the Services (e.g., your search queries, misformatted DNS entries, search results selected, clicks, pages viewed, search history, comments)
(8) If you are using a mobile device, your mobile device’s geographic location (specific geographic location if you’ve enabled the collection of that information, or general geographic location automatically). Please see the section “Mobile Device Location Information” below for further information.
Cookies and Similar Technologies:
We, as well as other companies, use tracking technologies to collect and store data about your computer or mobile device and your activities on the Services. When you visit our sites, we place cookies, pixel tags, web beacons and other such similar technologies to collect and store the information we automatically collect about your computer, device and Services usage. A cookie is a small text file that is stored on your computer and a pixel tag (also called a web beacon or clear GIF) is a tiny graphic with a unique identifier, embedded invisibly on a webpage (or an online ad or email). We use the term “cookies” in this policy to refer to cookies and all such similar technologies. We use these technologies to store your preferences and track your use of the Services. Ad companies place cookies on your computer to track your activities across various sites so that they can display targeted ads. Some ad companies and game developers use "flash cookies" for ads and games that use Flash media technology.
There are two broad categories of cookies: (1) first-party cookies, served directly by us to your computer or mobile device, and (2) third party cookies, which are served by a third party on our behalf. Cookies have a lot of jobs. For example, our cookies enable us to recognize you (e.g. as a registered user) when you visit our website and to store your preferences and settings. We use third-party cookies for functionality, performance/analytics, advertising, and social media purposes. Cookies from advertising companies, for example, help to ensure that the advertisements you see online are more relevant to you and your interests. To understand more about cookies and pixel tags, click here.
How to Control Or Delete Cookies:
Most browsers allow you to change your cookie settings. Users can usually set their browsers to block all third-party cookies (which are those set by third-party companies collecting information on websites operated by other companies), block all cookies (including first-party cookies such as the ones (SEC) uses to collect search activity information about its users), or block specific cookies. These settings will typically be found in the “options” or “preferences” menu of your browser. In order to understand these settings, the following links may be helpful, otherwise, you should use the “Help” option in your browser for more details.
· Cookie settings in Internet Explorer
· Cookie settings in Firefox
· Cookie settings in Chrome
· Cookie settings in Safari web and iOS.
Flash cookies operate differently than browser cookies, and cookie management tools available in a web browser will not remove flash cookies. To learn more about how to manage flash cookies, you can visit the Adobe website and make changes at the Global Privacy Settings Panel.
Please note that if you choose to block cookies, this may interfere with certain functionality on our website. Also, if you have disabled one or more cookies, we may still use information collected from cookies prior to your disabled preference being set; however, we will stop using the disabled cookie to collect any further information.
Information from third parties. We may obtain additional information about you from third parties such as marketers, partners, researchers, and others. We may combine information that we collect from you with information about you that we obtain from such third parties and information derived from any other subscription, product, or service we provide.
Last Updated: March 2020
If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions ("Terms of Service" or "TOS") applicable to such Services, which will be brought to your attention at that time.
Sites and Services
We do not guarantee that access to or use of this Site or any Services will be uninterrupted or error-free, and (SEC) shall not be liable for any feature not being accessible or for any unavailability of its Site and Services. The Site and its features may be expanded, limited or modified at any time by (SEC) to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the Site or Services, without notice. To access some of the content or features of the Site or its Services, Users may need to enhance or update the hardware or software in their computer systems. (SEC) assumes no responsibility for any failure to access the Site or any Services, partially or fully, whether due to the User's system, the Internet network or any other cause.
We do not provide information or services to minors, and if you are under 18, and at least 13 years of age, you may only use this Site and/or the Services with the active involvement of a parent, guardian or other supervising adults. You may not use this Site if you are under 13 years of age.
No Individual Investment Advice
This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual's situation is unique, a qualified professional should be consulted before making financial decisions.
Message Web Site Content Limitations
We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be provided by third parties and (SEC) shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S., and may not be relevant to or compliant with the laws, regulations or other legal requirements of other countries. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of (SEC) or its management. The Site content and services may be modified at any time by us, without advance notice or reason, and (SEC) shall have no obligation to notify you of any corrections or changes to any Site content.
License to Use Site Content
We grant you a limited personal use license to access, display, download, format and print portions of this Site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training or reference materials. You may not frame or utilize framing techniques to enclose any content on this Site.
Please note that, if you purchase any Courses (as defined herein) through the (SEC) Academy that purchase is subject to specific license rights provided for in the (SEC) of this TOU (below).
Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of (SEC) which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and (SEC) shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third-Party Content.
Content Posted by Users
To the extent we enable you to, and you choose to post or share any content or materials, including, without limitation, through the AI Service (e.g. questions) or through the (SEC) Academy Service (e.g., quizzes, homework, projects, etc.) (“User Content”) you will be (a) granting (SEC) a fully transferable, sub-licensable (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify, transfer, distribute and create derivative works from the User Content and to associate your public profile information (if any) with such User Content, in any media formats and through any channels (whether now known or hereafter developed); perpetual, world-wide, royalty-free, fully paid-up, non-exclusive license to allow your materials to be edited and displayed by (SEC) on its Site, and accessed by Users, for the purposes and on the terms in these TOU, (c) agreeing to indemnify and hold harmless (SEC) and its Users from any claim or demand made by any third party due to or arising out of your User Content, and (d) representing that you own or otherwise have the right to post the User Content, that the User Content is accurate, that use of the User Content on the Site does not violate any laws, and that the materials will not cause injury to any person. (SEC) shall have the right to use your name in connection with your posted User Content. (SEC) reserves the right to remove or modify any User Content for any reason, including without limitation, if we believe it violates these Terms and Conditions.
If you choose to post any User Content and interact with other users, if applicable, please be respectful of other users and use common sense when posting comments. Remember that anything you post online may be perpetually available and are not confidential or private. Do not post anything you would not be comfortable sharing or being made public.
General. Some of the Services offered by (SEC) require you to create an account. When you create an account, you agree that you have the authority to create that account and that all information you provide will be true, accurate, current, and complete. You are solely responsible for keeping your login information (e.g., user ID and password) accurate, secure, and confidential. You are also responsible for any activity resulting from the use of your login information. You agree to immediately inform us if you suspect that your login information has been comprised. We are not liable to you for any losses or damages you incur resulting from unauthorized use of your login information.
Social Sign in. If you log in or sign in using social networking functionality, e.g., Facebook, you agree to abide by the applicable social network’s terms and conditions.
Advisor Insights – for Users
(SEC) may offer certain services, including, for example, (SEC)’s Advisor Insights service (the “AI Service”), which allow users to engage in one or another manner with a network of third-party experts and advisors (including by submitting proposed questions to be posed to financial, legal, or accounting or tax professionals). Your use of and reliance on such services, if any, is entirely at your own risk, and you are solely responsible for complying with this TOU at all times. Your submissions (including any public profile information associated with such submission) and any associated responses from our advisor network, all of which materials constitute Third Party Content under this TOU, may be displayed in publicly viewable forums. Submission of a question does not guaranty a response will be provided. Please note that we also enable you to follow individual advisors by clicking on the “follow” button on an advisor’s (SEC) profile page and providing your email address. If you choose to follow any advisor, you agree to receive weekly recaps of the advisor's content via a newsletter. You may unsubscribe from receiving an advisor newsletter at any time by pressing the opt-out link in any email communication from us and/or by accessing the “Manage Subscriptions” page on our Site.] Please also see our “Communications” section below for more information on how we may communicate with you regarding the Advisor Insights and other services we offer.
IMPORTANT: No Client Relationship; No Privilege. By answering questions, advisors do not intend to form and do not form an advisor-client, accountant-client, attorney-client, or any other direct privileged or professional relationship with any user of the Site. Please keep in mind that laws, regulations, other governing authorities, standards, practices, and procedures that apply to your particular question may differ depending on your location. Additionally, none of the Third-Party Content private or confidential, nor is it protected by attorney-client, or any other privilege, and it may be read, collected, and used by others. Search engines may index your questions, answers, and other Third Party Content to allow them to appear in search engine results (e.g. if someone does a search on google.com or another search engine, your questions, answers, and other Third Party Content on our Site that relate to the search may appear in the search results list).
PLEASE NOTE: (SEC) does not provide tax, accounting, legal, investment, or financial services. The information available through (SEC)’s Advisor Insights service is provided by third parties and solely for informational purposes on an “as is” basis at the user’s sole risk. The information is not meant to be and should not be construed as advice or used for investment, legal, accounting, or tax purposes. (SEC) makes no guarantees as to the accurateness, quality, or completeness of the information and (SEC) shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. The user is solely responsible for verifying the information as being appropriate for the user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. While (SEC) may edit questions provided by users for grammar, punctuation, profanity, and question title length, (SEC) is not involved in the questions and answers between advisors and users, does not endorse any particular financial, legal, accounting, or tax professionals that provide answers via the service, and is not responsible for any claims made by any advisor. (SEC) is not endorsed by or affiliated with any state bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or FINRA or any other financial regulatory authority, agency, or association.
POSTS ARE NOT CONFIDENTIAL. The Advisor Insights is a forum-based service and any information and materials you submit in connection with your profile and/or any questions you pose to any one of the advisors.)