Privacy Policy

ONLINE PRIVACY NOTICE

1. Introduction.

(a) Web Site Owner. Investing Simple LLC (referred to as “Investing Simple”) is the owner of this web site https://www.investingsimple.com (the “InvestingSimple Site”). Investing Simple LLC can be contacted by mail at PO Box 641, Ballston Spa, New York 12020, or by e-mail at info [at] ryanoscribner.com. This online privacy notice discloses Investing Simple LLC information practices for this InvestingSimple Site, including what type of personal identifiable information is requested in order to make a purchase, how the information is used, and with whom the information is shared.

(b) Web Site Visits. Investing Simple LLC collects certain information from InvestingSimple Site visitors. This includes, but is not limited to, the home server domain name, e-mail address, type of computer and web browser, what pages visitor accessed, and limited information about search requests. This information is used to solve technical problems and to calculate overall usage statistics.

(c) Web Site Transactions. At times, Investing Simple LLC will need personal information regarding a customer or a prospect. For example, to process an order or provide a subscription, Investing Simple may need to know a customer’s name, mailing address, e-mail address, and credit card details. It is Investing Simple’s intent to inform you before Investing Simple collects personal information, such as user’s name and/or address on the Internet. If you tell us that you do not wish to have this information used as a basis for further contact with you, Investing Simple will respect your wishes.

2. Personal Information That May Be Collected.

(a) Identifying Information. In order to make a purchase and/or access designated subscriber services and/or restricted areas within the InvestingSimple Site, Investing Simple will request a user to provide certain personal identifying information, which may include: legal name, postal address, e-mail address, screen name, password, telephone number, facsimile number, method of payment, and, if applicable, credit card number. Investing Simple may request additional information necessary to establish and maintain customer’s account.

(b) Service Quality Monitoring. Some Web site transactions may require a customer to telephone Investing Simple, or Investing Simple to call the customer. Investing Simple will not contact you by telephone without your prior consent, except to confirm an order placed online and/or to inform a customer of the status of such order. Customer should be aware that it is Investing Simple’s practice to monitor, and in some cases, record such calls for staff training or quality assurance purposes.

(c) Information from Children. Investing Simple LLC does not collect or maintain information from users actually known to be under the age of 13, and no part of Investing Simple’s Web sites are structured to attract anyone under the age of 13.

(d) Lost or Stolen Information. If a customer’s credit card and/or password is lost or stolen, the customer should promptly notify Investing Simple in order to enable Investing Simple to cancel the lost or stolen information and to update its records with a changed credit card and/or password.

(e) Chat Rooms, Forums, and Bulletin Boards. If customer participates in an Investing Simple chat room, discussion forum, or posts messages to an Investing Simple bulletin board, customer should be aware that the information disclosed and shared will be broadly available to other persons, both inside of and/or outside Investing Simple, who have access to that chat room, forum or bulletin board. Some individual Investing Simple chat rooms, forums, or bulletin boards have additional rules and conditions regarding participation. Also, participant’s expressed opinion is his or her own and should not be considered as reflecting the opinion of Investing Simple.

(f) Links to Other Web Sites. An InvestingSimple Site may contain links to other web sites. Investing Simple LLC is not responsible for the privacy practices or the content of those other Web sites.

3. Uses Made of the Information.

(a) Limited Uses Identified. Without customer’s prior consent, Investing Simple LLC will not use your personal identifiable information for any purpose other than that for which it is submitted. Investing Simple uses personal identifiable information to reply to inquiries, handle complaints, provide operational notices, and in program record-keeping. Investing Simple also processes billing and business requests related to InvestingSimple Site participation.

(b) Marketing Uses. The information you provide to the InvestingSimple Site may also be collected, used, analyzed and/or processed by Investing Simple, or selected third parties on Investing Simple’s behalf, for marketing and other business purposes. Before Investing Simple uses the information, however, Investing Simple will notify customers and offer customers the opportunity opt-out if a customer wishes not to have personal identifying information used in this way.

(c) Stored Information Uses. Investing Simple stores and retains the information entered on the InvestingSimple Site. This information is used to compile a customer’s purchase history to enable Investing Simple to recommend products, services, or special offers that would be of interest to a customer.

(d) Online Advertising. Some companies that help Investing Simple deliver interactive on-line advertising, such as banner ads, may collect and use information about Investing Simple’s customers to help Investing Simple better understand the types of advertising or promotions that are most appealing to Investing Simple’s customers. After it is collected the information is aggregated so it is not identifiable to a specific individual. If, however, customer would prefer that these companies not collect such information, please mark an “x” on the opt-out option box herein provided.

4. Disclosure of the Information.

(a) Within Corporate Organization. Investing Simple is a multinational organization, with legal entities, business processes, management structures, and technical systems that cross borders. Investing Simple may share your personal information within the Investing Simple corporate organization, and may transfer the information to countries in the world where Investing Simple conducts business. Some countries may provide less legal protection for customer personal information. In such countries Investing Simple will still handle customer personal information in the manner described herein.

(b) Mergers and Acquisitions. For the purpose of developing and expanding its business, Investing Simple may share, rent, sell or buy business assets. In such transactions, customer information is generally one of the transferred business assets. Also, in the event Investing Simple is acquired, customer information will be one of the transferred assets.

(c) Agents. Investing Simple employs or engages other companies and individuals to perform business functions on behalf of Investing Simple. These persons are provided with personal identifying information required to perform their functions, but are prohibited by contract from using the information for other purposes. These persons engage in a variety of functions which include, but are not limited to, fulfilling orders, delivering packages, removing repetitive information from customer lists, analyzing data, providing marketing assistance, processing credit card payments and providing customer services.

(d) Affiliated Businesses. Investing Simple works closely with affiliated businesses operating web site stores, providing services or selling products on each other’s Web sites. These businesses identify themselves to customers. Customer information related to a transaction with an affiliated business is shared with that affiliated business.

(e) Marketing Analysis by Third Parties. Investing Simple reserves the right to disclose to third parties personal information about customers for marketing analysis; however, any information disclosed will be in the form of aggregate data that does not describe or identify an individual customer.

(f) Disclosure to Governmental Authorities. Investing Simple releases personal identifying information when Investing Simple reasonably believes release is appropriate to comply with law, to enforce Investing Simple agreements, or to protect the rights, property or safety of Investing Simple customers. Investing Simple may also release such information in an exchange of information with other companies and/or organizations for the purposes of fraud protection and credit risk reduction.

5. Use of Computer Tracking Technologies.

(a) No Tracking of Personal Information. Investing Simple’s Web site(s) are not set up to track, collect or distribute personal information not entered by visitors. Our site logs do generate certain kinds of non-identifying site usage data, such as the number of hits and visits to our sites. This information is used for internal purposes by technical support staff to provide better services to the public and may also be provided to others, but, again, the statistics contain no personal information and cannot be used to gather such information.

(b) Use of Cookies. Investing Simple, or its third party vendors, collects non-identifiable and personal information through the use of various technologies, including “cookies.” A cookie is an alphanumeric identifier that a Web site can transfer to customer’s hard drive through customer’s browser. The cookie is then stored on customer’s computer as an anonymous tag that identifies the customer’s computer, but not the customer. Cookies may be sent by Investing Simple or its third-party vendors. Customer can set its browser to notify customer before a cookie is received, giving an opportunity to decide whether to accept the cookie. Customer may also set its browser to turn off cookies; however, some Web sites may not then work properly.

(c) Use of Web Beacon Technologies. Investing Simple may also use Web beacon or other technologies to better tailor its Web site(s) to provide better customer service. If these technologies are in use, when a visitor accesses these pages of the Web site, a non-identifiable notice of that visit is generated which may be processed by Investing Simple or by its suppliers. Web beacons usually work in conjunction with cookies. If customer does not want cookie information to be associated with customer’s visits to these pages, customer can set its browser to turn off cookies; however, Web beacon and other technologies will still detect visits to these pages, but the notices they generate cannot be associated with other non-identifiable cookie information and are disregarded.

(d) Collection of Non-Identifiable Information. Investing Simple may collect non-identifiable information from user visits to the InvestingSimple Site in order to provide better customer service. Examples of such collecting include: traffic analysis, such as tracking of the domains from which users visit, or tracking numbers of visitors; measuring visitor activity on InvestingSimple Site; Web site and system administration; user analysis; and business decision making. Such information is sometimes known as “clickstream data.” Investing Simple or its contractors may use this data to analyze trends and statistics.

(e) Collection of Personal Information. Investing Simple collects personal identifying information from customer during a transaction. Investing Simple may extract some personally identifying information about that transaction in a non-identifiable format and combine it with other non-identifiable information, such as clickstream data. This information is used and analyzed only at an aggregate level (not at an individual level) to help Investing Simple understand trends and patterns. This information is not reviewed at an individual level.

6. Information Security.

(a) Commitment to Online Security. Investing Simple employs physical, electronic and managerial procedures to safeguard the security and integrity of personal information. Billing and payment data is encrypted whenever transmitted or received online. Personal information is accessible only by staff designated to handle online requests or complaints.

(b) No Liability for Acts of Third Parties. Investing Simple will exercise all reasonable efforts to safeguard the confidentiality of customer personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, Investing Simple shall not be liable for unauthorized disclosure of personal information due to no fault of Investing Simple including, but not limited to, errors in transmission and unauthorized acts of Investing Simple staff and third parties.

7. Privacy Policy Changes and Opt-Out Rights.

(a) Changes to Privacy Policy. This privacy notice was last updated on March 15, 2019. Investing Simple reserves the right to update its privacy policy statement at any time. A notice of any material change will be posted on the InvestingSimple Site home page for thirty (30) days prior to the implementation of such change. There are two boxes at the end of Investing Simple’s notice of change: (1) an “I accept” box, and (2) an “I do not aCcept” box. If customer does not mark the “I do not accept” box, customer will be deemed to have accepted Investing Simple’s privacy policy updates.

(b) Opt-Out Right. Customer has the right at any time to cease permitting personal information to be collected, used or disclosed by Investing Simple and/or by any third parties with whom Investing Simple has shared and/or transferred such personal information. Right of cancellation may be exercised by contacting Investing Simple LLC via e-mail at info [at] ryanoscribner.com, telephone or certified postal mail. After processing the cancellation, Investing Simple will delete customer or prospective customer’s personal information from its data base.

8. Access Rights to Data.

(a) Information Maintained by Investing Simple. Upon customer’s request, Investing Simple will provide a reasonable description of customer’s personally identifiable information that Investing Simple maintains in its data bank. Investing Simple can be contacted by e-mail at info [at] ryanoscribner.com, or certified postal mail at PO Box 641, Ballston Spa, New York 12020.

(b) Corrections and Changes to Personal Information. Help Investing Simple to keep customer personal information accurate. If customer’s personal information changes, or if customer notes an error upon review of customer information that Investing Simple has on file, please promptly e-mail Investing Simple at info [at] ryanoscribner.com and provide the new or correct information.

9. Accountability.

(a) Questions, Problems and Complaints. If you have a question about this policy statement, or a complaint about Investing Simple compliance with this privacy policy, you may contact Investing Simple by e-mail at info [at] ryanoscribner.com. If Investing Simple is unable to resolve your complaint to your reasonable satisfaction or if customer does not receive acknowledgment of an inquiry, customer may elect to proceed by contacting Investing Simple, LLC PO Box 641 Ballston Spa, NY 12020.

(b) Terms of Use. If customer chooses to enter into a purchase order or to subscribe to Investing Simple’s services, customer’s action is hereby deemed acceptance of Investing Simple practices described in this policy statement. Any dispute over privacy between customer and Investing Simple is subject to the provisions of this notice and to Investing Simple’s Terms of Use Agreement which is hereby incorporated herein and which can be read at https://www.investingsimple.com/termsofuse.

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