At our company, we understand the importance of your privacy. Our goal is to provide you with a positive and fulfilling experience on the internet, so you can take advantage of its vast resources and opportunities with complete confidence.

To that end, we collect information from Visitors and Subscribers who use our Services and the network of websites available through our Service. We are committed to protecting your privacy and security, and have created this Privacy Policy to explain how we collect and use information from all end users of our Internet Services.

This Privacy Policy covers both Visitors who access some of our Services but do not have accounts, as well as Subscribers who may purchase Products or subscribe to our Service for a monthly fee. We encourage you to review this Privacy Policy carefully, and to contact us if you have any questions or concerns about our privacy practices.

While we take every precaution to protect your information and prevent unauthorized access, we cannot guarantee that the personally identifiable information we collect will never be disclosed in a manner that is inconsistent with this Privacy Policy. However, we want you to know that we are committed to upholding the principles of this policy and will take all reasonable steps to ensure that your information is used and shared only as described herein. If you have any concerns about the way your information is being handled, please contact us immediately so we can address your concerns and take appropriate action.

When Subscribers sign up for our Products or Services, we may request certain personal information from them, such as their name, address, telephone number, billing information (such as a credit card number), and the type of personal computer being used to access the Services. We use this information to manage each Subscriber's account, such as for billing purposes. We may also share this information with third parties in certain circumstances, as described below.

In cases where we partner with other companies to promote our Services, we may provide those partners with certain personal information, such as the name, address, and username of individuals who subscribed to our Services as a result of the joint promotion. However, this information may only be used by the partner for the purpose of offering you other products and services, and not for any other purpose.

We may also generate non-identifying and aggregate profiles from the personal information Subscribers provide during registration, such as the total number of Subscribers but not their names. We may use this aggregated and non-identifying information to sell advertisements that appear on our Services.

In addition, when Subscribers make purchases through our Services, we may provide their contact information to our business partners, who may then contact the Subscriber by telephone. Sales proceeds are collected by the business partner company. We may also provide contact information to other companies for mail offers we believe may be of interest to our Subscribers, with or without compensation from those companies. At times, we may send advertisements for third-party products, where we collect the sales proceeds and forward the purchaser's information to that third party.

Our Company Partners and Sponsors:

At times, we may offer products and services to Visitors and Subscribers in partnership with an affiliate, independent contractor, or non-affiliated partner. In order to provide these products and services, our partner may need to collect and maintain personal information.

Online Shopping:

If you purchase products or services from our website or register to receive materials, such as a newsletter or catalog, we may ask you to provide contact information, such as your name, address, email address, phone number, and credit/debit card information. If you order items for someone else, we may ask for information about the recipient, such as their name, address, and phone number. Please note that we have no control over how third parties use the personal information you provide when placing such an order, so please exercise caution when doing so.

Online Advertisements:

Our company may display online advertisements and share information about our Visitors and Subscribers that we have collected through the registration process, online surveys, and promotions with these advertisers. We may also use this information to deliver tailored advertisements or joint ventures. For example, an advertiser or joint venture company may provide us with an advertisement tailored to a specific audience, and based on the information we have collected, we may display or send that advertisement to the intended audience. Please be aware that we do share personal information about our Visitors and Subscribers with these advertisers and joint venture companies.

Responses to Email Inquiries:

When Visitors or Subscribers send email inquiries to our company, we use the return email address to respond to their inquiry.

Voluntary Customer Surveys:

From time to time, we may conduct customer surveys to gather important information about how we can improve the products and services we offer. We encourage our customers to participate in these surveys, as they help us better understand your needs and preferences.

We may combine or aggregate the information we receive from individual survey responses with the responses of other customers to create broader, generic responses to survey questions. This aggregated, non-personally identifying information may be shared with third parties to help us improve the quality of our services and develop new products and services.

Promotions:

Our company may offer promotions, such as polls, contests, sweepstakes, drawings, games, or other promotions, that are sponsored by or co-branded with third parties. By participating in these promotions, you may be entered into a sweepstakes, contest, or other promotion simply by making a purchase from us or providing us with personally identifiable information for some other reason or purpose.

Because of these third-party relationships, the third parties may obtain personally identifiable information that Visitors voluntarily submit to our company. We have no control over how third parties use this information.

Additionally, personally identifiable information may be collected when you order products, enter contests, vote in polls, or express an opinion through our Services, such as our online newsletters or forums. The types of personally identifiable information that may be collected include your name, address, email address, telephone number, fax number, credit card information, and information about your interests and use of our products and services. Our sponsors or third parties may send you material related to our company's services, products, or activities.

Special Cases

This section of the Privacy Policy states that the company may disclose personal information about Visitors or Subscribers if it believes it is reasonable to do so. This may include sharing information with credit agencies, collection agencies, merchant database agencies, law enforcement, or in response to legal requests. The company may also disclose information to identify, contact, or bring legal action against someone who may be violating the Terms of Use and Service or other user policies, to operate the Services properly, or to protect the company and its Subscribers. It is important to note that the company may use or share personal information in ways described in the policy without additional notice or means to opt out or prohibit such unrelated uses.

This section explains that AskBanker.com collects certain information about site users' IP address, browser type, and URLs visited. This information is collected automatically by reading the information provided by the user's browser and is used in an aggregated, anonymous manner for internal analysis of traffic patterns within the website. This is a common practice among websites, and the information is automatically logged by most websites. Additionally, AskBanker.com may use a third party to collect information, which may include the use of web beacons.

This section of the privacy policy is specific to California residents and their rights under the California Online Privacy Protection Act and the California Business and Professions Code. It states that the policy identifies the types of personally identifiable information that the company collects through its website or online service, as well as the categories of third-party persons or entities with whom the company may share that information.

However, the policy does not provide a process for California residents to review and request changes to their personally identifiable information that is collected through the website or online service. The section directs users to the "Revisions to this Policy" section for information on how the company notifies consumers of material changes to the policy.

Finally, the section lists the effective date of the privacy policy at the end of the document.

This policy outlines the types of "personally identifiable information" that our company may collect from visitors or users of our commercial website or online service, as required by California law. This information may include an individual's name, physical address, email address, telephone number, social security number, or any other identifier that can be used to contact or identify a specific person. It may also include any user information collected online and maintained in personally identifiable form, when combined with an identifier as described in this policy. Other sections of this document provide additional details on the types of information we collect and how we use it.

If you are a California resident, you have the right under California Law SB 27 to request information about any third parties with whom we have shared your personal information for their marketing purposes during the previous year. To make this request, please send an email to support@askbanker.com with the subject line "California Privacy Request" and include your name, address, email address, and the domain name of the website in question. We will respond to your request within thirty days.

Cookies and How Our Company Uses

We may use cookies, which are small data files that can be placed on your hard drive when you visit our website, to collect, store, and sometimes track information for the purposes stated in this policy. We may also use cookies for statistical purposes to improve our products and services, as well as to manage our telecommunications networks.

While most website browsers automatically accept cookies, you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features of the site. For more information on how to delete and control cookies using various browser types, please visit www.aboutcookies.org.

Please note that advertisers and partners may also use their own cookies, which we do not control, and we expressly disclaim responsibility for information collected through them.

Our company employs various tools, including Remarketing with Google Analytics, Adroll, and Facebook, to conduct online advertising. Third-party vendors such as Google may showcase our ads on sites throughout the internet. To enhance the effectiveness of our advertising campaigns, we utilize both first-party cookies, such as the Google Analytics cookie, and third-party cookies like the DoubleClick cookie. By doing so, we can gain insights into visitor behavior, optimize our advertising, and deliver ads based on past visits to our site.

We may also use Google's Interest-based advertising or third-party audience data in conjunction with Google Analytics to produce educational and promotional materials that cater to the demographic and interest profiles of our website visitors.

You can choose to opt-out of Google Analytics for Display Advertising and modify Google Display Network ads by adjusting your Google Ads Settings at https://www.google.com/settings/ads. Alternatively, you may use Google's Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout/. Please note that our company is not responsible for cookies used by advertisers and partners.

Our Company is committed to protecting the privacy of children and complying with all applicable laws and regulations, including the Children's Online Privacy Protection Act of 1998. Therefore, our website is only intended for individuals who are 18 years of age or older. We strictly prohibit individuals under the age of 18 from accessing our website for any reason. As such, we do not knowingly collect, use, or disclose personal information from children under the age of 18. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN THE CHILDREN'S ONLINE PRIVACY PROTECTION ACT AND IS NOT MONITORED AS DOING SO.

Please be aware that any information you disclose in a Subscriber Directory or other public areas of our website or the internet becomes public information. This means that other people may have access to this information. Therefore, we strongly advise you to exercise caution and use discretion when deciding to disclose your personal information in these public areas.

Data Security:

Our company takes data security seriously and has implemented measures to protect against the loss, misuse, and alteration of information under our control. While we strive to maintain the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent unauthorized access by third-party hackers.

Sale or Bankruptcy:

AskBanker.com may undergo a change in ownership in the future. In the event of a sale, merger, public offering, bankruptcy, or other change in control of AskBanker.com, your information may be shared with the new owner. Opting out of receiving information from third parties will not prevent us from transferring your information to a new owner. However, your choices regarding the use of your information will continue to be respected. We value your relationship with us and will strive to maintain it even under new ownership.

If you have any questions regarding this Privacy Policy or the practices described here, please contact us using the contact information provided on this website.

Our company reserves the right to modify, amend, or revise this policy, along with our other policies and agreements, at any time and in any way by updating this posting. Your continued use of this site after such changes are made constitutes your acknowledgement and acceptance of these changes. Please check this privacy statement before each use to review any changes.

This policy was last updated on January 1, 2020.