Last Updated On: January 3, 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. 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.
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 We Collect When You Use The Services:
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 mobile device identifier
(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.
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.
We may also generate, use and disclose aggregated and/or anonymized information and statistics about your use of the Services to third parties for marketing, analytical and strategic purposes. However, no user of our Services will be individually identifiable from the aggregated and/or anonymized information and statistics.
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. We have contracts with our service providers that prohibit them from sharing the information about you that they collect or that we provide to them with anyone else, or using it for other purposes.
- 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.
- 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.
- Fraud prevention: We may disclose the personal information we collect about our users when we believe disclosure is necessary to investigate, prevent, or respond to suspected illegal or fraudulent activity or to protect the safety, rights, or property of us, our users, or others.
- Law enforcement purposes and public safety: If requested or required by government authorities, such as law enforcement authorities, courts, or regulators, or otherwise to comply with the law, we may disclose any information we have about our users. We may disclose information collected about you in order to exercise or protect legal rights or defend against legal claims. We also may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements.
- Sale or merger of our business: We may transfer your personal 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).
In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, Investopedia is potentially liable.
4. Cookies and Online Advertising
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.
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.
- 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 website.
If you are using our mobile application, we use your unique mobile device ID number to recognize you when you use the application and to store your preferences and settings. Advertising companies may also use and store your mobile device ID to show ads that they consider relevant to you in various mobile services that you use.
If you are using an iOS device and you do not want to receive tailored in-application ads that relate to your interests, you may opt-out by accessing the following link on your device: http://oo.apple.com. If you are using an iOS6 device, you also may limit the delivery of tailored ads by: Open Settings and tap “General” then tap “About”; Scroll to the bottom of About and tap “Advertising”; Flip “Limit Ad Tracking” to ON. If you are using an Android device and you do not wish to receive tailored in-application ads, you can visit Google’s Ads Preferences page from a browser on your device and make your choices there. 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 actual GPS location (including the latitude, longitude or altitude of your mobile device) and the time the location information was recorded. Some of these services require your personal data for the feature to work and we may associate location data with your device ID and other information we hold about you. We keep this data for no longer than is reasonably necessary for providing our services. 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 follow these instructions:
- If you are using an Apple device, click on “General,” then “Reset,” then “Reset Location and Privacy.” This will turn off location functionality for all of your apps so that the next time you download or use an app, you will be asked again to provide your consent for us and others to access your location information.
- If you are using an Android device, visit device settings, click “Location,” and then click the boxes for the particular applications for which you would like to disable location services.
- If your device changes the above methods of disabling the collection of mobile device location, please contact your device manufacturer or platform provider to determine how to disable the collection of this information.
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 keep the information we collect secure?
We take the security of your personal information seriously and use appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing and against accidental loss, destruction or damage. We also limit access to personal information about you to our personnel who reasonably need access to it to provide products or services to you, or in order to do their jobs. However, because no security system can be 100% effective, we cannot completely guarantee the security of any information we may have collected from or about you.
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. Consent to Transfer of Information
10. Your California Privacy Rights
11. Self-Regulatory Framework and Complaint Handling
EU-US Privacy Shield Notice:
Investopedia has further committed to refer unresolved privacy complaints regarding the Website or mobile applications under the EU- US Privacy Shield 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.
U.S.-Swiss Safe Harbor Framework
Investopedia has further committed to refer unresolved privacy complaints regarding the Website or mobile applications under the U.S.-Swiss Safe Harbor Principles to an independent dispute resolution mechanism, 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 www.bbb.org/us/safe-harbor-complaints for more information and to file a complaint.
Investopedia is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).