Entities Collecting Personal Information
Personal information on this Site is collected by Institute for Financial Literacy, Inc. Fincert’s address is 260 Western Ave., Suite 1, South Portland, ME 04106 and its telephone number is (207) 221-3615.
Collection of Personal Information
As a visitor to this Site, you can engage in many activities without providing any personal information. In connection with other activities, such as subscribing to services on the Site or utilizing online software applications, Fincert may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, Fincert may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal information. When ordering products or services on the Site, you may be asked to provide a credit card number. Depending upon the activity, some of the information that we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.
When you use the Site, Fincert or third parties authorized by Fincert may also collect certain technical and routing information about your computer to facilitate your use of the Site and its services. For example, we may log environmental variables, such as browser type, operating system, CPU speed, and the Internet Protocol (“IP”) address of your computer. We use these environmental variables to facilitate and track your use of the Site and its services. Fincert also uses such environmental variables to measure traffic patterns on the Site. Without expressly informing you in each particular circumstance, we do not match such information with any of your personal information.
When you submit personal information to Fincert through this Site, you understand and agree that this information may be transferred across national boundaries and may be stored and processed in any of the countries in which Fincert and its affiliates and subsidiaries maintain offices, including, without limitation, the United States. You also acknowledge that in certain countries or with respect to certain activities, the collection, transferring, storage, and processing of your information may be undertaken by trusted vendors of Fincert. Such vendors are bound by contract not to use your personal information for their own purposes or provide it to any third parties. One instance where this could occur is in conjunction with framed pages in which the URL for the pages is not visible and the pages are being hosted by a vendor of Fincert.
How Your Personal Information Is Used
Fincert collects your information in order to record and support your participation in the activities you select. If you subscribe to a service or register a product, for example, the information is used to register your rights, if any, to technical support or other benefits that may be made available to registered users. As another example, if you enter a contest, information is collected to qualify the entry and contact you regarding the contest or prize awards. Your personal information is also used to keep you informed about product upgrades, special offers, and other products and services of Fincert and selected third parties if you have so opted to receive such communications.
Fincert may collect information about the use of the Site, such as the types of services used and how many users we receive daily. This information is collected in aggregate form, without identifying any user individually. Fincert may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes.
Your Choices with Respect to Personal Information
There are other instances in which Fincert may divulge your personal information. Fincert may provide your personal information if necessary, in Fincert’s good faith judgment, to comply with laws or regulations of a governmental or regulatory body or in response to a valid subpoena, warrant, or order or to protect the rights of Fincert or others.
Protection of Your Personal Information
The personal information that you provide in connection with registering yourself as a user of Fincert products or services or registering an Fincert product is classified as Registration Information. Registration Information is protected in several ways. Access by you to your Registration Information is available through a password and unique customer ID selected by you. This password is encrypted. We recommend that you do not divulge your password to anyone. In addition, your Registration Information resides on a secure server that only selected Fincert personnel and contractors have access to via password. Fincert encrypts your personal information and thereby strives to prevent unauthorized parties from viewing such information when it is transmitted to Fincert.
Personal information that you provide that does not constitute Registration Information also resides on a secure server and is only accessible to selected Fincert personnel and contractors via password. Since this information is not accessible by you, you will not be asked to select a password in order to view or modify such information.
When you visit this Site, you can browse the Site and access important information without revealing your identity. In order to improve our Site, we use “cookies” to track your visit. A cookie is a small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you. It functions as your identification card, and enables Fincert to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses.
Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. (For some Web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)
Updating your Personal Information and Privacy Preferences
You have the right to access and correct your personal information and privacy preferences at any time. You may access and correct your personal information and privacy preferences (such as whether you wish to receive promotional communications from Fincert or third parties) by writing or calling Fincert at:
260 Western Ave., Suite 1
South Portland, ME 04106
Telephone: (207) 221-3615
Please include your name, address, and/or e-mail address when you contact us.
Privacy-Related Inquiries and Complaints
Please note that if you provide Fincert with inconsistent privacy preferences (for example, by indicating on one occasion that third parties may contact you with marketing offers and indicating on another occasion that they may not), Fincert cannot guarantee that your most recent privacy preference will be honored.