Effective Date: August 2008, revised August 2012, revised May 2018.
Information We Collect – We collect various information about you when you use our services, including:
information you provide to us;
information about how you use our websites, mobile applications, and other online services;
information about the computers and devices you use to access our services;
information about your online activities and your interests;
information about how you respond to our communications;
information about the location of your mobile device based on the location of nearby WiFi networks or, subject to your consent, information accessed via the location functionality of your device; and
information about you from publicly or commercially available sources.
How We Use Information – We use information:
to provide you with products and services, respond to your requests, manage contests, and to personalize the content on our services;
for research purposes;
to communicate with you about your account; learn about you; send you or provide you with ads, offers, or other content based on your interests; and resolve disputes; and
to improve, maintain, and troubleshoot our services.
Sharing Information – We share information:
with third parties, including service providers that process information on our behalf, to facilitate transactions and provide you with services;
with our affiliates;
to facilitate interest-based advertising; and
in association with a transfer of a business or related assets; when there is a legal obligation to disclose your information; or to protect our legal rights, the public, or others.
You may update or delete the account information you provide us for any of our services in the account information page for that service.
You may indicate your preferences regarding marketing communications in the Newsletter Member Center of our services.
We use security measures to protect your information.
Our services are not intended for children under 13.
We are not responsible for any third-party products or services you access via our services.
WHAT INFORMATION DO WE COLLECT?
Information that you provide to us: We and our service providers collect information that you provide when you use our services. For example, to access certain parts of our services, you may have to register for an account. During registration we may collect your name, address, username, password, and email address. You may also provide us with information when you post a message on our services; sign up to receive communications from us; register for contests; participate in surveys; purchase a print subscription or classified ad; or contact us with a question, comment, or request.
When you use social media platforms, applications or tools that enable features like audio or video content (sometimes known as “plugins”), or other features that are operated or offered by other companies (sometimes known as “third parties”) and are integrated into our services or allow you to connect to our services, we may collect information from those third parties. Please refer to the privacy settings of the social media platforms or third-party features you use to manage how information is shared.
Passive data collection: Like most companies that offer online services, we and our service providers may automatically collect certain technical information from your computer or mobile device when you use our services or interact with us. The information we may collect includes:
Content viewed on our services
Pages viewed immediately before and after you access our websites
Which ads or content from us or our affiliated companies you view, access, or click on
Your activities over time and across websites and apps within The Conservative Income Investor network and within the network of websites and apps serviced by the ad networks, advertisers, service providers, and other companies with which we do business, following your use of one of our websites or apps
Location Information – Our mobile applications may collect precise information about the location of your mobile device via your device’s GPS or cellular connectivity, but only with your express consent. Once you have consented to the collection of such precise location information via your mobile device, you may adjust this consent by managing your Location Services preferences through the settings of your mobile device. We may also be able to infer your location from other information that you provide or information that we collect passively, such as the known locations of nearby WiFi networks.
HOW WE USE THE INFORMATION WE COLLECT
We may use the information we collect for a number of purposes, including, but not limited to:
providing you with the products, services, or information you request or purchase;
delivering information to you about offers for goods or services that may be of interest to you (see the Interest-Based Advertising section for more information);
personalizing your experience when using our services and providing content based on your interests or other demographics;
improving or troubleshooting our services;
determining whether you are eligible for contests or promotions;
generating and analyzing statistics about how you use our services and respond to our communications;
creating compiled, aggregate, and anonymous information about the users’ of our services and how our users interact with our services (“Aggregated Information”);
safeguarding your information;
helping our advertisers and other companies better understand our users; and
detecting, preventing, and responding to potential fraud, intellectual property infringement, violations of our Terms of Service, violations of law, or other misuse of our services.
We may combine or aggregate any of the information we collect from our services and elsewhere for any of these purposes.
HOW WE SHARE THE INFORMATION WE COLLECT
We may disclose information about you:
to service providers that process payments, handle marketing communications, provide technical support, conduct surveys, or perform other services for us;
to business partners when you have elected to receive communications from them;
to business partners that engage in interest-based advertising;
as required by law, such as to comply with a subpoena or other legal process;
as necessary to process transactions and provide you with the services, products, or information you request or purchase;
when we have a good faith belief that disclosure is necessary to protect the rights or property of our affiliates or us, or to protect the safety of you or others;
to detect, prevent, or respond to potential fraud, intellectual property infringement, violations of our Terms of Service, violations of law, or other misuse of our services
to proceed with the negotiation or completion of a merger, acquisition, sale, or other transfer of all or part of our assets; or
subject to your consent.
We do not share your credit card information or other financial information to third parties for their marketing purposes or other independent use. When we share information with third parties for processing credit card or other payments, we require those third parties to comply with applicable Payment Card Industry standards.
We may share Aggregated Information with third parties that provide content and services for us. We may also share Aggregated Information with advertisers and others so that they can better understand our audience. For example, we might disclose the gender, age, or geographical breakdown of our user base.
Unless you have consented otherwise, we do not sell, rent, barter, or otherwise give away user lists, users’ names, email addresses, or mailing addresses so that advertisers or other third parties may send you advertisements or other solicitations.
You should know that when you voluntarily disclose personal information publicly on our services (for example, when commenting on articles), that information may be collected and used by others and you may receive unsolicited communications from other people. When you share information via features offered on our services by other companies (sometimes known as “third-party plugins”), the privacy settings of the for those features govern how the information will be shared. When you are logged into our services, depending on the service you are logged into, your name may be displayed, and your email address and contact information may be viewed. Be sure to logout of your account and take other steps to ensure that others cannot view that information without your knowledge.
THIRD-PARTY LINKS AND CONTENT
Our services and communications may contain links to or content from websites or other online services provided by third parties. We expect our partners and third-party providers to respect your privacy, but you acknowledge and agree that we are not responsible for the collection and use of your information by websites and other services that are not under our control. The privacy practices of third parties are governed by their privacy policies, and we encourage you to review the privacy policies of all websites and online services that you use, view, or visit.
We and some of our advertisers work with ad networks and ad delivery platforms that place retargeting pixels on users’ computers to gather information about users’ online activities, such as browsing histories and demographic information. This information can be aggregated into audience segments, which help deliver relevant advertising to users visiting our websites and third-party websites that use the same pixels.
Some of our services and communications may contain tiny electronic images known as web beacons. We use web beacons to assist us in delivering cookies on our services and to allow us to count users who have visited those pages. We may include web beacons in promotional email messages in order to determine whether messages have been opened and acted upon.
To help ensure that you receive ads that are relevant to your interests on our services, our advertisers’ services, and elsewhere on the Internet, we and third-parties (including service providers, advertisers, and advertising companies) may collect information about your online activities over time and across different websites and apps. We and third parties may use that information to help understand audience segments. Advertisers may use the segments to determine the audience groups to which they wish to deliver particular ads. Through this process, we do not use information that directly identifies you.
We care about children’s privacy. Our services are not directed to, nor do we knowingly collect information from, children under the age. We will not knowingly allow children under 13 to register for or become members of our services. If we discover that we have received any information from a child under 13, we will take reasonable steps to promptly delete that information. If you believe we have collected information from anyone under 13 without parental consent, please contact us via any of the channels listed below.
In general, if you register to use any of our services, you may update the information you have provided to us for any of our services by visiting the account information page of that service.
When you register for our services, you may be able to indicate your preferences regarding marketing communications. In the Newsletter Member Center of our services, you may be able to change those preferences and select the categories of communications that interest you. When we or our affiliates send you emails containing offers that may be of interest of you, those emails may contain links via which you may opt out of receiving those communications.
You will not be able to opt-out of receiving certain service-related or transactional communications relating to our services unless you cancel your registration or membership.
You can delete accounts associated with our services by visiting the appropriate account information page for that service and clicking on the link “delete my account.” When you do so, we will delete your information from our servers except for a transactional record of your account. Some information may remain on back-up media. Deleting your account cancels your membership and you may no longer be able to access some of our services or some of the features or content offered by our services. If you need assistance locating the account information page for any service, or updating or deleting the information you have provided in connection with the service, please contact us as set forth below.
While we strive to maintain reasonable administrative, technical, and physical safeguards to protect your information, no information system can be 100% secure. We cannot guarantee the absolute security of your information. Moreover, we cannot be responsible for information that you transmit over networks that we do not control or information that you choose to publicly disclose. You are solely responsible for maintaining the secrecy of any passwords or other account information.
We make reasonable efforts to secure the account information pages and other registration locations for our services, such that they can be accessed only by our authorized personnel or by logging in with your member name and password.
We endeavor to protect the security of your payment information during transmission by using technology that encrypts information you submit.
INTERNATIONAL TRANSFERS OF INFORMATION
If you have any questions or comments about our privacy practices, we may be reached at: firstname.lastname@example.org
The Conservative Income Investor
5200 Teston Drive
Ferguson, MO 63135