Privacy Notice

Last updated: September 29, 2022

This Privacy Notice explains how Money Research Collective collects and processes your personal information when you visit www.moneyresearchcollective.com (the “Services”).

INFORMATION WE COLLECT

Information You Provide

Form Submissions. We collect personal information when you use the forms on our Services. This may include demographics such as your name, email, phone number, and address.
Mailing List. If you sign up for one of our mailing lists, we collect your email address and/or postal address.
Feedback and Support. If you provide us feedback or contact us for support, we may collect your name and email address, as well as any other information or content that you send.
Information About Others. You may provide information about others at times; for example, to refer a friend for a newsletter. We may use this information to make our Services available to the people you refer to our Services.
Other Unique Identifying Information. We also receive information when submitted in other ways, such as if you interact with our social media accounts or otherwise communicate with us.

Information Automatically Collected

When you access or use our Services, we and our third-party partners and service providers may automatically collect certain information about your online activities over time and across different websites when you visit, use, or navigate the Services using cookies, web beacons, and other data collecting and tracking technologies. We do not currently recognize automated browser signals regarding tracking mechanisms, which may include “Do Not Track” instructions. This information is primarily needed to maintain the security and operation of our Services, for our internal analytics and reporting purposes, to help us understand how our users use the Services, and to target advertising messages to you. This includes:

Log and Usage Data. We may log information when you access and use the Services. This may include your IP address, browser type, operating system, Internet Service Provider (ISP), mobile carrier name, clickstream behavior (such as referral/exit URLs, pages visited, links clicked, the requested URL), and search terms.
Website interactions. We use technology to discover how you interact with our website. This may include which links you click on, or information that you type into our online forms. This may also include information about your device or browser.
Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address).
E-mail Interconnectivity. If you receive email from us, we may use tools to capture data related to when you open our message, click on any links, advertisements, or banners it contains.

Information from Third-Party Sources

In order to ensure data accuracy and offer a superior customer experience by providing you with better-personalized services, content, marketing, and ads, in some cases we link or combine the information that we collect from the different sources outlined above with the information we collect directly from you. For example, we may compare the geographic information acquired from commercial sources with the IP address to derive your general geographic area. Information we may collect from other sources includes:

Business Partners. We may receive limited information about your activity on a Business Partner’s site or app, like your behavior on the Services; and other navigation data, such as websites visited, advertisements viewed or clicked on.
Data Analytics. We use select third-party partners and companies that specialize in providing enterprise data, analytics, and software as a service, such as Google Analytics, to help us understand and analyze how you use the Services.
Data Aggregators and Public Databases. We use commercially available data to learn more about our audiences.
Publicly Observed Data. Gathered from activity on blogs, videos, and other public online postings.
Other Users. When someone refers you for our Services, such as a newsletter.

We are not responsible or liable for the accuracy of the information provided by third parties, or for third-party policies or practices. The information practices of these third parties are not covered by this Privacy Notice, and your personal information will be handled according to the privacy policy of those companies, which may differ from our own policies and practices.

If You Choose Not to Share

Most of the information and functionality on the Services is public and accessible to everyone. You are not required to share any personal information; however, if you choose not to share the information, you will not be able to access certain specialized features.

HOW WE PROCESS YOUR INFORMATION

We process your personal information for different reasons, depending on how you interact with our Services, including:

To make our Services available to you.
To provide, maintain, and improve the Services.
To evaluate and improve our Services, products, marketing, and your experience.
To research and develop new Services.
To identify you when you engage with us and our Services.
To personalize your experience while using the Services.
To provide content recommendations based on your interactions and interests.
To send you technical notices, updates, security alerts, and other support and administrative messages.
To deliver marketing and promotional materials related to our Services in accordance with applicable laws, including information relating to our products, services, sales, marketing research, or promotions.
When necessary, to request feedback and contact you about your use of our Services.
To manage our relationships with our Advertising Partners.
To manage our relationships with our Business Partners.
To identify usage trends, and determine the effectiveness of our promotional campaigns.
To detect security incidents, and protect against malicious, deceptive, fraudulent, or illegal activity, including attempts to manipulate or violate our policies, procedures, and terms and conditions.
To comply with legal obligations, to establish or exercise our rights, to defend against a legal claim, and to investigate, prevent, or take action regarding possible misconduct.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
For any other purpose that is disclosed at the time you provide the information, with your consent and as otherwise permitted by law.

HOW WE PROTECT YOUR INFORMATION

We store the information we collect for as long as it is necessary for the purpose(s) for which we originally collected it. We may retain certain information for legitimate business purposes or as required by law; unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

We take appropriate and reasonable technical and organizational security measures to help protect information about you from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. The specific security measures used are based on the sensitivity of the information collected.

However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology is 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. You should only access the Services within a secure environment. Although we will do our best to protect your personal information, the transmission of personal information to and from our Services is at your own risk.

If we are required by law to inform you of a breach of your personal information, we may notify you electronically, in writing, or by telephone, if permitted to do so by law.

HOW WE SHARE YOUR INFORMATION

We do not sell your personal information. However, we may allow certain third parties to collect your personal information through our Services. We may also share your personal information with third parties in order to fulfill a business purpose, including:

Service Providers. We may share your information with third-party service providers to support our internal and business operations. These service providers or partners may be located in the US or in other global locations and may provide services such as content personalization, advertising, and marketing activities (including digital and personalized advertising), IT services, email service providers, data hosting, or general support and maintenance of our websites. Our service providers are required by contract to safeguard any personal information they receive from us and are prohibited from using the personal data for any purpose other than to perform the services as instructed by us.
Affiliates. We may share information between and among our company, and any of our parents, affiliates, subsidiaries, and other companies under common control and ownership.
Business Transfers. As we continue to develop our business, we might sell or buy other businesses or services. We may share, transfer, or assign your information in connection with, or during negotiations of, a corporate transaction, such as a divestiture, merger, consolidation, asset sale, financing, or acquisition of all or a portion of our business to another company, or in the unlikely event of insolvency, bankruptcy, or receivership.
Aggregated and Anonymous Information. We may share aggregated, anonymous information with any third party. This information is not linked to personal information that can identify you or another individual person. For example, we may tell a Business Partner how many people they referred to our site.
Compliance with Law. We may also share your personal information when we believe, in good faith, that we have an obligation to: (i) respond to duly authorized information requests of law enforcement agencies, regulators, courts, and other public authorities, including to meet national security or other law enforcement requirements; (ii) comply with any law, regulation, subpoena, or court order; (iii) investigate and help prevent security threats, fraud or other criminal or malicious activity; (iv) enforce/protect our rights and properties of our subsidiaries; or (v) protect the rights or personal safety of our staff.
Other Persons or Entities with Your Consent. With appropriate consent when required, certain Services may share your Personal Information with third-party marketing partners, and they may contact you by email, telephone, SMS, postal mail, or other common communication methods with marketing and promotional messages about their products or services.

The information practices of these third parties are not covered by this Privacy Notice, and your personal information will be handled according to the privacy policy of those companies, which may differ from our own policies and practices. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.

YOUR PRIVACY RIGHTS AND CHOICES

Communications

Emails. You may choose to provide us with your email address for the purpose of allowing us to deliver newsletters, surveys, offers, and other promotional materials to you, as well as targeted offers from third parties. You can stop receiving promotional emails by following the unsubscribe instructions in emails that you receive. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to inquiries, or for other non-marketing purposes.

Text Messages. If you receive a text message from us that contains promotional information you can opt-out of receiving future text messages by replying “STOP” or “END” or “UNSUBSCRIBE.”

Children

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If you become aware of any data we may have collected from children under age 18, please contact us at privacy@moneyresearchcollective.com.

International Data Transfers

We are based in the United States and we process and store information on servers located in the United States. We may store information on servers and equipment in other countries depending on a variety of factors, including the locations of our users and service providers. By accessing or using the Services or otherwise providing information to us, you consent to the processing, transfer, and storage of information in and to the U.S. and other countries. Please be aware that the data protection laws and regulations applicable to your personal data transferred to the United States may be different from the laws in your country of residence.

Data Subject and Consumer Information Requests

In some regions, you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. For example, California residents may be entitled to object or opt-out of having Personal Information sold to third parties.

We will consider and act upon any request in accordance with applicable data protection laws. Under certain circumstances, we may not be able to fulfill your request; for example, if it interferes with our regulatory obligations, affects legal matters, we cannot verify your identity, or if it involves disproportionate cost or effort; but in any event, we will respond to your request within a reasonable timeframe and provide you an explanation.

Note that, as required by law, in order to process your request, we will require you to prove your identity. Depending on your request, we will require, at minimum, you to provide your name, phone number, and email address. We may require additional information to verify your identity dependent upon the sensitivity of the personal information related to your request. An authorized agent may make a request as above.

We do not discriminate against California residents who exercise any of the rights described in this policy. If you are a California resident and would like to opt out of having your information sold, please visit the following link: Do Not Sell My Personal Information.

If you do not want to make requests using our online form, you may contact us at privacy@moneyresearchcollective.com

CHANGES TO OUR PRIVACY POLICY

We will update this notice as necessary. If we make changes to this Privacy Notice, we will immediately post the updated version on our Services and update the date. Any such changes will be effective immediately upon being posted unless otherwise stated in the change. Your continued use of the Services following the posting of changes constitutes your acceptance of such changes. We encourage you to review this statement frequently to be informed of our privacy practices.

CONTACT US

If you have any questions or comments about this notice, the ways in which we collect and use your information, your choices and rights regarding such use, or wish to exercise your rights, you may contact us via email at privacy@moneyresearchcollective.com.