This site is owned and operated by [[INSERT CO NAME]], a private entity. Your privacy on the Internet is of the utmost importance to us. At [[INSERT CO NAME]], we want to make your experience online satisfying and safe.
[[INSERT CO NAME]] gathers the following kinds of personal information when it is voluntarily provided by our users:
[[INSERT NUMERIC LIST]]
[[INSERT CO NAME]] also gathers certain information during or after your visit to our website, as described in greater detail below:
[[INSERT CO NAME]] gathers information about users in several different ways:
1. Information users provide through optional "Voluntary Submissions."
These are voluntary submissions you provide in order to sign up for our website, receive our electronic newsletters, participate in our message boards or forums, email a friend, and from your participation in polls, comments and surveys.
We offer the following optional free services, which require voluntary submission of personal information by users:
a. Electronic newsletters policy (Dispatches).
We will offer a free electronic newsletter to users as well as email additional information and additional resources and offers to our users on a regular basis. [[INSERT CO NAME]] gathers the email addresses of users who voluntarily subscribe. Users may remove themselves from this mailing list by following the link provided in every newsletter or email correspondence that points users to the subscription management page. They can also unsubscribe at any time by sending an email to [[INSERT INFO EMAIL ADDRESS]] and stating that they wish to unsubscribe from receiving the newsletter.
b. Message boards/forums policy.
Users of the site's Message Boards and Forums must register separately for these services (both are free of charge) in order to post messages, although they do not need to register to visit the site. During registration the user is required to supply a username, password, and email address.
c. "E-mail this to a friend" policy.
Our site users can choose to electronically forward a link, page, or documents to someone else by clicking "e-mail this to a friend". The user must provide their email address, as well as that of the recipient. This information is used only to transmit the requested email, to let the recipient know who sent the email, and in case of transmission errors. The recipient's information is not retained or used for any other purpose.
d. Polling / Comments.
We may offer interactive polls and comments to users so they can easily share their opinions with other users and see what our audience thinks about important issues. Opinions or other responses to polls and comments are aggregated and are not identifiable to any particular user other than the User I.D. [[INSERT CO NAME]] may use a system to "tag" users after they have voted, so they can vote only once on a particular question. This tag is not correlated with any information about individual users.
[[INSERT CO NAME]] may occasionally conduct user surveys to better target our content to our audience. We sometimes share the aggregated demographic information in these surveys with our sponsors, advertisers and partners. We do not retain or share this information about specific individuals with any third party.
2. Information users specifically authorize us to share with a third party.
When you submit a request for information or for a quote from us in response to a benefit, an ad or an offer presented on our website or in an email, you are granting your permission to be contacted by [[INSERT URL]], its affiliates, the specified third party or other third parties offering products or services that may be of interest to you.
3. Information gathered through aggregated tracking.
This information is derived mainly by tallying page views throughout our site. This information allows us to better tailor our content to readers' needs and to help our advertisers and sponsors better understand the demographics of our audience. Because [[INSERT CO NAME]] derives its revenue mainly from sponsorships and advertising, providing such aggregated demographic data is essential to keeping our service free to users.
[[INSERT CO NAME]] tracks user traffic patterns throughout our entire site. In addition, [[INSERT CO NAME]] sometimes tracks and catalogs the search terms users enter in our Search function, but this tracking is never associated with individual users. We use such tracking information to determine which areas of our site users like and don't like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you.
4. Pixel notifications of transactions on referred third party websites.
If a user executes a transaction on a third party website where the user has been referred by us at the user’s request, we receive a pixel notification confirming the transaction has taken place. No other personal information about the user, including any credit card or other sensitive personal information, is transmitted to us in connection with such notifications.
6. Google Analytics and Remarketing
We use a service provided by Google called Google Analytics (GA). GA permits us to reach people who have previously visited our site, and show them relevant advertisements when they visit other sites across the Internet in the Google Display Network. This is often called 'remarketing'. Cookies can be used to track your session on our website, to serve customized ads from Google and other third party vendors. When you visit this website, you may view advertisements posted on the site by Google or other third parties. Through first-party and third party cookies, these third parties may collect information about you while you are visiting this website and other websites. They may use this data to show you advertisements on this website and across the Internet obtained from your prior visits to this website and elsewhere on the Internet. We do not collect this information or control the content of the advertisements that you will see.
Opting Out of Google Analytics
You may be able to opt out of customized Google Display Network ads by visiting the Ads Preferences Manager (http://www.google.com/ads/preferences) and the Google Analytics Opt-out Browser Add-on ( http://www.google.ca/ads/preferences/plugin).
Your use of this website without opting out of the Google Display Network ads means that you understand and agree to this data collection to provide you with remarketing ads using GA and cookies from other third party vendors based on your visits to this website and elsewhere on the Internet.
[[INSERT CO NAME]] uses the above-described information to tailor our content to suit your needs and help our advertisers better understand our audience's demographics. This is essential to keeping our service free.
[[INSERT CO NAME]] uses information voluntarily given by our users for the following purposes:
1. To enhance the experience of users of our network, whether to provide interactivity or personalized elements on the sites or to better prepare future content based on the interests of our users.
2. To send out electronic newsletters and to enable users to participate in polls, surveys, message boards, and forums. We do not share our newsletter mailing lists with any third parties, including advertisers, sponsors or partners.
3. To share information you provide to us, including on a request form for a particular offer or quotation, with affiliated or third party advertisers or offer providers for the particular offer or quotation requested by the user.
4. To share information you provide to us, including on request forms for offers or quotations, with other unaffiliated third parties that offer products or services that may be of interest to you.
5. To determine whether a user has completed a transaction on a third party website where the user has been referred by us at the user’s request.
6. To create aggregate reports on user demographics and traffic patterns for advertisers, sponsors and partners. These reports do not provide any information or usage patterns about individual users.
7. To comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
If you choose to opt in to a benefit, an ad or an offer supplied by an affiliate or third party, we will transfer nonpublic personally identifiable information you have provided to us, including information on the request form, to that party with your authorization.
In addition, we will share nonpublic personally identifiable information you have provided to us, including on request forms for offers or quotations, with other unaffiliated third parties that offer products or services that may be of interest to you. You have the right to opt out of the disclosure of nonpublic personally identifiable information about you to nonaffiliated third parties by following the OPT-OUT procedure described below.
Among the categories of nonpublic personally identifiable information we may share with affiliates and nonaffiliated third parties are your:
[[INSERT NUMERIC LIST]]
We may share such information with unaffiliated third party marketing companies that present consumer offers relating to products or services you may be interested in for financial companies, insurance companies, lenders, retailers, companies offering discounted products and/or services, sweepstakes companies and companies presenting opportunities to participate in surveys, among others.
We give users options wherever necessary and practical. Such choices include:
1. Opting not to register for our website or to receive our electronic newsletters or emails.
2. Opting not to participate in certain interactive areas, such as message boards, forums, surveys and polls.
3. Opting not to request to participate in a benefit, an ad or an offer supplied by an affiliate or third party.
4. Opting out at any time from having your nonpublic personally identifiable information shared with any unaffiliated third parties by:
a) changing your privacy preferences by [[INSERT LINK TO EMAIL SETTINGS]], or
b) sending an e-mail to [[INSERT INFO EMAIL ADDRESS]] and notifying us that you wish to opt-out from such sharing
[[INSERT CO NAME] operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our users.
Consistent with the Federal Children's Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request nonpublic personally identifiable information from anyone under the age of 13 without requesting parental consent. [[INSERT CO NAME] requires all users to provide their date of birth at the time of registration, and no one under the age of 18 may enroll as a user of [[INSERT CO NAME].
California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected to comply with the second option. (See OPT-OUT POLICY above.)
If you wish to opt out from having your nonpublic personally identifiable information shared with any unaffiliated third parties by sending an e-mail to [[INSERT OPT OUT EMAIL ADDRESS]] and notifying us that you wish to opt-out from such sharing.
This website does not honor any "Do Not Track" signals that are provided by user's browsers. However, [[INSERT CO NAME] does not collect or authorize the collection by any third party of any nonpublic personally identifiable information about an individual consumer's online activities over time and across different Web sites or online services, with the exception of the notification we receive when a user has completed a transaction on a third party website where the user has been referred by us at the user’s request and as described below in connection with Google Analytics.
We, our affiliate(s) and/or other unaffiliated third parties may also promote product and service offerings via e-mail, sms-text message, or telephone to consumers who expressly agree to be contacted either through our Site's online forms, our Site's Opt-in process or through an Opt-In process on the website of a third-party vendor or affiliate ("List Members"). List Members will receive any emails or other communications they agree to receive for as long as they wish to continue to receive such contacts.
List Members can be removed from our contact lists at any time with no questions asked. To remove your information from our database, discontinue receiving future communications from us or no longer receive our service, you may:
1) Send an e-mail to [[INSERT EMAIL ADDRESS]] or
2) Go to [[INSERT LINK TO EMAIL SETTINGS]]
Please note that your ability to participate in certain activities offered on our Site may be limited if nonpublic personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt. Unless we hear from you, we will assume you consent to receiving communications from us and our third-party vendors and affiliates.
If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific third-party vendor or affiliate who provided List Member's informational request to us so that the List Member may be included on the third-party's Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor or affiliate, [[INSERT URL]] may not be the only purchaser of your information. Additionally, any third-party vendor or affiliate may have purchased your contact information from an independent third-party and thus you may continue to receive contacts from those third-party companies. [[INSERT URL]] is not responsible for stopping all unwanted contact from sources beyond our immediate control. We are a CAN-SPAM compliant company.