Our Web sites may contain links to other sites. Please be aware when you visit another Web site (whether through an advertisement, service, link or otherwise), Company is not responsible for the privacy practices of these other sites, nor do we endorse, warrant, recommend or guarantee the services offered through such other sites. You should review the privacy statements of those other Web sites.
In connection with the tools, products and services provided through our Web sites, some of the information you provide may constitute Personal Information. "Personal Information" means non-public information that can identify you individually on a personal basis. Also, some information we receive through such tools, products and services may be non-Personal Information. You are responsible for ensuring the accuracy of information you provide to the Company. Inaccurate information may affect the information you receive when using such tools, products and services.
2. Non-Personal Information
We may receive non-Personal Information about you as follows:
Cookies and Web Beacons
Most browsers are set to accept cookies by default. If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent. The help function on most browsers contains instructions on how to set your browser to notify you before accepting cookies or to disable cookies entirely. However, it is possible that some parts of this Web site, such as the polls, surveys, contests, product sales, and game areas, will not function properly if you disable cookies.
Third Party Advertisers
Information from Video and Interactions with Web site and Properties
We may receive non-Personal Information about your interactions with video content (if any) on this Web site, such as the type of content viewed and information about your interactions with email messages (e.g., links clicked on and whether the messages were opened or forwarded). We may also receive non-Personal Information through your interactions with the Web site and our other properties.
Information on Web pages and Links
We may receive non-Personal Information on Web pages and advertisements you view from the Web site and links within the Web site.
URL, Browser Type, Operating Systems and IP Address
Like many other Web sites, we may receive non-Personal Information about our users' utilization, activity and navigation of our Web site, Web sites of selected sponsors and advertisers, your browser type, IP protocol and operating system.
Third Party Sources
We may receive non-Personal Information from other sources, such as through vendors and service providers with authorized rights to such information, and from publicly available sources.
Use of Non-Personal Information
The paragraphs described above outline some of our uses of non-Personal Information. We may also use non-Personal Information to help us monitor how many people are using our Web site and selected sponsors' and advertisers' sites, to provide enhanced functionality on the Web site (e.g., user ID and password prompts, navigation aids, and session timers), to help us generate and deliver advertising, marketing and content on Web pages or any of our other properties, to monitor certain other Web site activity (e.g., user-agent, last URL requested by the user, client-side and server-side clickstream, age restrictions), to monitor how many people open our emails, and for functions related to the foregoing.
We may also use and share non-Personal Information in the same manner as our use of Personal Information described below and in connection with our business (e.g., our third party contractors, agents and representatives may help us utilize cookies and web beacons, and store/handle non-Personal Information).
3. Personal Information
We may receive Personal Information which you provide to us including, as follows:
You may share Personal Information with us through registration, subscription or other sign up on newsletters, trade shows, offers, features, conferences, products, tools or other services provided by us (and as part of the foregoing). The information you share with us may be changed by you by notifying us or by following the instructions provided to you by Company at registration.
Community Areas, Chats, Postings, Bulletin Boards, Blogs and other User Forums
We may provide an opportunity for users to communicate in community areas, postings, wikis, bulletin boards, chat rooms, blogs and other public and interactive forums on or through our Web Sites ("User Forums"). Our User Forums are open to the public and should not be considered private.
Any information you share in any User Forum (including Personal Information) is by design open to the public and is not private. We are not responsible for any information that you share in any User Forum. You should be aware of the risks to you which can arise from sharing Personal Information in any User Forum. If you mistakenly post information on any User Forum and would like it removed, please contact us to request its removal. We will try our best to accommodate such removal request - however, not all information may be removable.
Please be aware that what you share in User Forums can be seen, disclosed to, collected and used by parties in ways we cannot control or predict, including to contact you for any purpose. As with any public forum on any site, the information you share may also show up in third-party search engines like Google, Yahoo, MSN, Bing, etc.
We may use third party administrators, agents or representatives to assist us in managing such User Forums. You may be given the option to register or create an account for such administrator. You are responsible for the information you share with such administrator as part of such registration or account creation process. Your information may be subject to additional privacy policies disclosed to you by such administrator.
We may offer you interactive content, tools, products and services. In connection with such items, we may receive information, including Personal Information, which you voluntarily share with us. Some of the tools (like certain quizzes) do not retain your Personal Information, while others (like tools offered through Apps) may store your Personal Information.
We may offer you an opportunity to respond to market research studies, questionnaires or surveys. In connection with such items, we may receive information, including Personal Information, which you voluntarily share with us. For general market research surveys, studies or questionnaires we will not knowingly accept responses from or conduct interviews with any person under the age of 13.
Some market research surveys, studies and questionnaires may provide remuneration (payment of some kind) to participants such as a gift card for your time. We will notify you upon participation in a survey if it is paid. We are responsible for the surveys which we may introduce to you through our properties. We are not responsible for unauthorized surveys that are conducted on third party sites. You may be directed by link, banner ad or otherwise from our Web Site to visit an advertiser's Web site that may introduce you to surveys or questionnaires. We are not affiliated with, nor do we endorse, warrant, recommend or guarantee any part of, any services or offerings on such Web Sites directed from our Web Site. These surveys are not subject to our policies and are not related to Company.
Use of Personal Information
We may disclose and use Personal Information to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or in special cases, such as in response to, to prevent or stop a physical threat, harm, threats to safety, liability, risks, criminality or tortious conduct onto you, us, our users, their property, or defend or assert legal rights. In addition, we may use Personal Information to provide you the tools, products and services requested or agreed by you (e.g., newsletters, reports, apps, games, mailings, alerts, notifications requested or agreed by you); communicate with you on the tools, products and services requested or agreed by you (or their terms) and respond to questions you have about the tools, products and services we provide you; help us design, improve, promote, and administer our Web site, Apps, tools, business, products, operations and services; help us diagnose problems with our tools, products and services, and to maintain and administer our Web site, Apps and properties properly; enable you to participate in features and offers, such as market research surveys, studies, tournaments, games, contests, questionnaires, polls, sweepstakes, and User Forums; enforce our policies and procedures, or enforce any other agreement we have with you; help with billing and collection (if applicable) on services and products requested by you; comply with your instructions, authorization or request; address emergencies or acts of God; as part of a substantial corporate transaction, such as a sale, a merger, consolidation, or asset sale; and for any other purpose disclosed to you at the time we receive your information or pursuant to your consent. We may combine your information with other information. We may communicate with you through any contact information you provide with us, including any cellular/mobile telephone number/device, and you are solely responsible for any charges, including SMS/text charges, incurred related thereto.
We may also use Personal Information to develop and provide you advertising, marketing and promotions, or information on services, offerings or products that may be of interest to you. You may opt-out from having Personal Information used for this type of communication by contacting us at any time. Please allow sufficient time after your election for the opt-out to take effect.
Personal Information may be provided in connection with the foregoing uses to our affiliates, successors, assigns and their representatives, and to personnel, agents, service providers and contractors who perform functions on our behalf or otherwise in connection with the foregoing uses. Personal Information may also be provided to certain strategic partners, alliance partners, and other parties who referred you to us (for example, if you were referred to us from a credit union association whom we have established a relationship, we will share information with such association so that they can assess business impact resulting from our relationship).
Correspondence You Send
4. De-Identified Data
We may receive information about you or others on your behalf under this policy and create de-identified data to help us in our business and operations and for purposes permitted under law. De-identified data will never contain Personal Information protected by law. De-identified data may be transferred, disclosed, assigned, leased, licensed, sold and otherwise shared with and by our partners, service providers, advertisers and/or other third parties for purposes permitted under law.
We are committed to protecting the privacy of children. Neither Company nor any of its services are designed or intended to attract children under the age of 13. We do not collect Personal Information from any person we actually know is under the age of 13. Although not recommended, a parent or guardian, however, may use our Web Sites for the benefit of a minor. The parent or guardian is solely responsible for providing supervision and care of the use for the benefit of such minor. The parent or guardian assumes full responsibility for ensuring that any information shared is kept secure and that the information submitted is accurate. The parent or guardian also assumes full responsibility for the interpretation and use of any information or tools provided through us. Any parent or guardian may review and delete such information by contacting us at the information below.
6. Accuracy and Security of Personal Information
Any Personal Information you provide to us is kept on secure servers. We use commercially reasonable administrative, technical, personnel, and physical measures (a) to safeguard Personal Information against loss, theft, unauthorized use, disclosure, or modification; and (b) to ensure the integrity of the Personal Information. To help us protect your privacy, you should maintain the secrecy of any logon ID and password required from time to time (if any) which you may have set up in connection with your receipt of our tools, products or services. We are committed to adhering to all laws pertaining to privacy applicable to us.
We update and test our security technology on an ongoing basis. We restrict access to your Personal Information to our personnel who need to know that information to provide benefits or services to you. In addition, we train our personnel about the importance of confidentiality and maintaining the privacy and security of your Personal Information. We commit to taking appropriate disciplinary measures to enforce our privacy responsibilities, however we make no representation, warranty or guarantee on the reliability, sufficiency, suitability, quality, completeness, adequacy, or currency of any security practices. Transmission of information through mail, email, SMS or other means may not always be secure though we use commercially reasonable measures to secure delivery.
7. Accessing and Updating Your Personal Information
To access, review, rectify, or delete Personal Information collected about you, please contact us. All requests must include the following information: first name, last name, e-mail address, and known location of Personal Information controlled by us. While we try our best to accommodate your request, we reserve the right to impose certain restrictions and requirements on such access requests, if allowed or required by applicable laws, and not all information is removable.
8. Transfer of Personal Information To Other Countries
9. Links To Third-Party Web Sites
10. Legal Notice and Disclaimer
11. Conditions on Use
Last revised January 06, 2014