Finances Time (“Finances Time” or “we”, “our” or “us”) operates the Finances Time services, which include our podcasts, newsletters, websites, paid products and related social media pages (collectively, the “Services”).
1. USER CONSENT/LEGAL BASIS
Other legal basis for collecting Personal Information are: (i) where we need the Personal Information for performance of a contract or requested service; or (ii) where the collection and use is in our or another’s legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms. In some cases, we may also have a legal obligation to collect the Personal Information in question. If we collect your Personal Information with your consent, you may have the right to withdraw your consent at any time as provided in the terms specific to California, European, Mexican and Canadian users, respectively, below.
2. INFORMATION COLLECTED
We may collect Personal Information that you submit to us directly through the Services, and via passive technologies integrated into the Services, including via third parties.
You may directly submit information to us when you subscribe to a newsletter or podcast, order a product (such as our paid products), purchase merchandise, answer survey questions, or use other methods of submitting information. The types of information you can choose to provide on the Services includes:
The Services also passively collect certain types of Personal Information and Anonymous Information, including through third parties. We may use pixel tags, cookies, and/or other similar technologies to collect this information. We do not use any such technologies to conduct online targeted advertising. The types of information collected passively through the Services includes:
Please also note that most web browsers automatically accept cookies and other tracking technologies, but if you prefer, you may be able to edit your browser options to block them. Visitors to the Services who disable cookies will be able to browse most areas of the Services, but some features may not function. Further, the Services do not currently recognize “Do Not Track” settings or technologies.
3. USE OF INFORMATION
We may use your Personal Information for the following general and business purposes:
We may use both manual and automated systems, such as machine learning and artificial intelligence, to: analyze Personal Information and Anonymous Information to improve our Services; personalize your experience; automate certain aspects of the Services; aggregate and anonymize information; provide you certain features; and protect the safety and security of our Services.
We use Anonymous Information such as web or mobile pages you have viewed, in order to analyze request and usage patterns so that we may improve our products and services, enhance our user experience, and gather broad demographic information for aggregate use.
4. INFORMATION SHARING
We do not sell, trade, rent, or share your Personal Information with third parties for their marketing purposes, and we will not disclose financial information that is part of your Personal Information, in each case unless you request or authorize that we do so.
i. Affiliated Entities
ii. Service Providers
We may share your Personal Information with third party vendors and suppliers that help us provide our Services to you. These third parties provide services to us, such as email delivery services (for instance, to send you newsletters), data hosting, customer relationship management, and data analytics. You expressly consent to the sharing of your Personal Information with our contractors and third-party service providers (for the sole purpose of providing products and services to you. (Not applicable to Canadian consumers.) These service providers are contractually obligated to ensure the confidentiality of Personal Information and implement appropriate security measures.
iii. Payment Processors
iv. Partner Companies
We may participate in co-branding or co-promotional agreements with third parties pursuant to which we may share Personal Information with such third parties (“Partner Companies”). For example, we may participate in agreements with Partner Companies pursuant to which we provide the Partner Companies with a URL and a customer registration page co-branded with, or private labeled by, the Partner Companies, and the Partner Companies distribute and promote the URL to its customers. A Partner Company may have access to Personal Information that we collect from their customers. As a result, if you register for the Services through a Partner Company, we may provide your Personal Information to the Partner Company. We do not control the privacy practices of these Partner Companies and we encourage you to review their privacy policies.
Under the following scenarios, we may be required or authorized by law to share your Personal Information:
We may use your Personal Information in order to provide to third parties non-personal aggregated information that does not allow you to be identified or contacted and that is combined with the Personal Information of other users (“Aggregate Information”). For example, we might inform third parties regarding the number of users of the Services and the activities they conduct while on the Services. Depending on the circumstances, we may or may not charge third parties for this Aggregate Information. We may not limit the third parties’ use of the Aggregate Information.
We may disclose Anonymous Information to third parties that promote our products and services. We reserve the right to use and disclose Anonymous Information to third parties at our discretion.
5. OPT-OUT OF MARKETING EMAILS OR NEWSLETTERS
Finances Time has implemented technical, administrative and physical security measures to protect your information from loss or theft, as well as unauthorized access, use or disclosure. While we strive to protect your information, no data transmission over the Internet is 100% secure and, consequently, we cannot guarantee or warrant the security of any information you provide, and you do so at your own risk. We cannot promise that your information will remain absolutely secure in all circumstances. We are not responsible for the circumvention of any privacy settings or security measures we may provide.
We will retain your information for the time necessary to provide a requested service, realize our legitimate business purposes and to comply with the law. We will only retain personal information for the longer of the period if: (a) required by law, or (b) there is a time-bound determination business need.
7. CHILDREN’S INFORMATION
The Services are not intended to be used by children under the age of 13 if you are in the USA or the UK, under the age of 18 if you are in Mexico, or under the age of 16 if are located anywhere else, and we will not knowingly collect Personal Information from children under these ages (as applicable). If you are under 18 years old or the age of majority in your jurisdiction of residence (whichever is higher), you will require the consent of your parent or legal guardian to agree to your use of the Services and to provide your Personal Information to us. We do not use an application or other mechanism to determine the age of users of the Services. All information provided to Finances Time will be treated as if it was provided by an adult. If, however, we learn that a child has submitted information about himself/herself to us, we will delete the information as soon as possible.
8. LINKS TO THIRD-PARTY WEBSITES
The Services may contain links to and from third party websites of our business partners and various contact management services and other service providers. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. Please check their individual privacy policies before you submit any Personal Information to those websites.
10. CONTACT US
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