Last Updated On: April 19, 2017
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 Investopedia 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 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, mis-formatted 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 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 Investopedia 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.
2. How do we use the information we collect?
We use the information we collect from and about you for a variety of purposes, including:
- verify your eligibility for our Services;
- understand our users (their demographics, what they do on our Services, what features they like, how they use them etc.) and improve our Services, such as by personalizing content to your interests and process and complete your transactions;
- administer our Services, diagnose technical problems and otherwise manage our business;
- send you communications that you have requested or that may be of interest to you in accordance with your preferences. Please see the section “Reviewing, changing or deleting information” for further information about how you can control these communications;
- deliver prizes in connection with contests and sweepstakes or otherwise facilitate the use of our Services;
- provide you with customer support;
- enable us to show you ads that are more relevant to you; and
- perform functions as otherwise described at the time of collection.
Additionally, if you are enrolled in and/or take any of our Webinars and/or Courses, we will use the registration information you provide, including personally identifiable information, to use through your Account for managing and processing purposes, including but not limited to tracking attendance, progress and completion of Course and/or Webinar. As part of our management and processing of each Course and/or Webinar, we will use this information to proctor exams, projects, and other assessments for each Course and/or Webinar. For example, as part of a Webinar that provides CE credits, we will use certain information collected from you in order to verify your identity, or to monitor your performance during the exam to confirm that you are abiding by the rules or requirements for obtaining CE credits. We may share such information that we collect from you when you participate in a Course with the company and/or lecturer(s) who provide, taught, managed, or otherwise oversaw that Course, and will be subject to their privacy policies and such third party use may include, without limitation, that third party’s use for their own marketing purposes.
3. How do we share the information we collect?
We will not share the personal information we collect about you with any third party for their own marketing purposes without your consent. We will share your information in the following ways:
- Our suppliers, subcontractors and business partners (“service providers”): We may share your data with our services providers who process your personal information to provide services to us or on our behalf, including, without limitation, our email marketing providers, who are required to treat the data in accordance with confidentiality requirements.
- Service requests: We enable you to request information and/or services from third party service providers or partners by filling out a registration, information request, or similar service request form for specific services from them (e.g., filling in a sponsored partner’s form to identify your retirement risk profile and/or submitting a request with such information for more information from that partner or another party). When you fill out and submit a service request form through our Website, you consent to our providing your personal information and request to the third party provider and/or partner. Sharing this information with the party provider and/or partner allows them to contact you using the contact information you provided. Additionally, we have other contractual partners that that utilize their own service provider to supplement our offering, and we share your information with them in order to attempt to provide the services requested.
- Webinars/Courses: We may share with third parties that enable us to provide you the Webinars and/or Courses. For example, but not as a limitation, our Webinar and Course platforms may be hosted by third parties who will use your information to allow you to access the Webinar and/or Course. We also use third party payment providers who will use your information to process payment, subject to their privacy policies. Additionally, for any continuing education eligible Webinar, we will share information provide us as well as information regarding your completion of such Webinar with the organization issuing continuing education certificates, including without limitation, for the purpose of verifying your eligibility for the continuing education credits. We may also use third party customer service platform providers in order to help us provide customer service capabilities in connection with your use of one or more of our Services, including without limitation the Webinars and/or Courses.
- Companies within the IAC Group of Companies: We may share your information with our affiliates, which are entities under common ownership or control of our ultimate parent company, IAC/InterActiveCorp.
- Sale or merger of our business: We may transfer your information to a third party if we or any of our affiliates are involved in a corporate restructuring (e.g., a sale, merger, or other transfer of assets).
- Advertisers: We may share your information with third-parties with whom we have a contractual relationship, including without limitation third-party advertisers and advertising networks.
In cases of onward transfer to third parties of data of EU or Swiss individuals received pursuant to the EU-US or the Swiss-US Privacy Shield, Investopedia is potentially liable.
4. Online and Mobile Interest Based Advertising
When you use the Services, we may serve you with ads based on various factors such as the content of the page you are visiting, information you provide such as your age or gender, your searches, demographic data, user-generated content and other information that you provide to us. These ads may be based on your current activity or your activity over time and may be tailored to your interests.
- Network Advertising Initiative (http://www.networkadvertising.org/)
- Digital Advertising Alliance (http://www.aboutads.info/consumers)
Please bear in mind that there are many more companies listed on these sites than those that drop cookies on our Services.
When using a mobile application you may also receive tailored in-application advertisements. Each operating system, iOS for Apple phones, Android for Android devices and Windows for Microsoft devices provides its own instructions on how to prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact the applicable platform operator. We do not control how the applicable platform operator allows you to control receiving tailored in-application ads; thus, you should contact the platform provider if the above options are no longer available.
Mobile Device Location Information: When you use one of our location-enabled services (for example, when you access Services from a mobile device), we may need to collect and process information about your specific GPS location (including the latitude, longitude or altitude of your mobile device) and the time the location information was recorded, and we may use that information to customize the Services with location-based information, advertising, and features. Some of these services require us to associate location data with your device ID and other information we hold about you. If you wish to use the particular feature, you will be asked to consent to your data being used for this purpose. You can withdraw your consent at any time by disabling the relevant feature. If you do not want your location information collected when you use the Services from a mobile device, please see your device manufacturer’s settings.
5. Right to Access, Review, change or delete information
To delete your account, visit the Contact Us page and send a message to our Support team. Be sure to select "Delete Account" under the dropdown box that's labeled "Type," and include your email address so that we can confirm your request.
Do Not Track: Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.
We are committed to providing you with meaningful choices about the information collected on our website for third party purposes, and that is why we provide the Network Advertising Initiative and the Digital Advertising Alliance opt-out links above. However, we do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and a common approach to responding to DNT.
6. How Do We Protect Your Information?
We have implemented a variety of administrative, technical, and physical security measures to protect against the unauthorized access, destruction or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect, process and store and the current state of technology.
7. How long do we keep the information we collect?
We retain the information we collect about and from you for as long as necessary to fulfill a business purpose or comply with a legal request. We may also choose to anonymize certain of the information you provide to us so that it can no longer be attributed to you if we would like to retain it for longer periods of time.
8. Children under 13
The Services are not intended for users under the age of 13. We do not knowingly collect any personal information from children under 13. If we become aware that a person submitting information is under 13, we will attempt to delete the information as soon as possible. You hereby represent that you are at least 13.
9. Use Outside the United States of America
The Website and any Investopedia mobile applications are controlled and offered by Investopedia, LLC from the United States of America and, regardless of your place of residence, your use of them is governed by the law of the State of New York, USA. Investopedia makes no representations that the Website and any Investopedia mobile applications are appropriate for use in other locations or are legal in all jurisdictions. Those who access or use the Website and any Investopedia mobile applications from other locations do so at their own risk and are responsible for compliance with local law. You consent to the transfer and processing of your data in the United States of America and any other jurisdiction throughout the world.
10. Linked Sites and Advertisements.
11. Your California Privacy Rights
12. EU-US Privacy Shield Framework and Swiss-US Privacy Shield Framework
Investopedia has further committed to refer unresolved privacy complaints regarding the Website or mobile applications under the EU- US and Swiss-US Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, a non-profit alternative dispute resolution provider located in the United States and, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed by us, please visit the BBB EU PRIVACY SHIELD web site at www.bbb.org/EU-privacy-shield/for-eu-consumers/ for more information and to file a complaint.
Investopedia is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).