What personal data we collect and why we collect it
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
This policy describes the information collection, use, and dissemination practices of Thingsfinance.com, its subsidiaries and affiliates, (collectively referred herein as “the COMPANY”) and applies to the COMPANY’s collection, use, storage and disclosure of information by the COMPANY on its Thingsfinance.com Products.
Personal Information Collected on this Website.
a. Visitors. No personally identifiable information is collected on Thingsfinance.com Sites from Visitors that browse the Thingsfinance.com Sites for information.
b. Members. Personally identifiable information collected on a Thingsfinance.com Site is gathered on our “register here” pages. These fields may include name, address, phone number, e-mail address, gender, age and other information necessary for the system to provide you with the information responsive to your request. The personal information a Member submits to the Thingsfinance.com Site remains property of the Member, but by submitting that information to the Thingsfinance.com Site, you, as a Member, grant the COMPANY, the right to use that information for the purposes disclosed below.
No Information Collected from Children.
How We May Use Your Personal Information.
The COMPANY may use a Member’s personal information to provide the requested services, including services that display customized content and advertising. We may disclose, transfer, sell or lease a Member’s personal information to third party businesses and to other entities affiliated with the COMPANY. In addition, we may join together with other businesses to bring opportunities to our Members. This means we may use personal information to provide promotional offers to Members by means of e-mail advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses (collectively, “Promotions”). Third party businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation. We may also use such information for content improvement and feedback purposes. The COMPANY may also use personal information for auditing, research and analysis to operate and improve our technologies and services. We may also disclose personal information to the extent necessary if the COMPANY is sold or acquired or otherwise deemed necessary or appropriate.
The COMPANY may disclose a Member’s personally identifiable information pursuant to a subpoena or other judicial or administrative order, where required by law, or, at our sole discretion, where we deem necessary to protect the safety of any individual or the public or to prevent the violation of the rights of the COMPANY or any third party.
E-mail and Unsubscribe Policy.
If you received a mailing from the COMPANY, our records indicate that (a) you have expressly shared this address for the purpose of receiving information in the future, or (b) you have registered or purchased or otherwise have an existing relationship with us. The COMPANY may use a Member’s personal information to send Promotions by e-mail from individuals and companies including clients of the COMPANY. The COMPANY may maintain separate e-mail lists for different purposes.
If you wish to discontinue receiving e-mail messages from the COMPANY, or to opt out of certain types of e-mail messages, you may do so by following the “unsubscribe” link at the bottom of the e-mail message or by updating your account settings at the Thingsfinance.com Site.
The COMPANY’s unsubscribe process impacts only the future delivery of electronic mailings disseminated by the COMPANY on its own behalf. A Member should also note that unsubscribing from the COMPANY’s electronic mailings will not automatically unsubscribe the Member’s information from any third parties businesses. Since third party businesses maintain separate databases from the COMPANY, a Member will need to unsubscribe from each source individually, if desired.
If the e-mail address Member provides to the COMPANY is a wireless e-mail address, Member agrees to receive messages at such address from the COMPANY or its business associates (unless and until Member elects not to receive such messages by following the instructions in the unsubscribe portion of this policy). Member understands that a Member’s wireless carrier’s standard rates apply to these messages.
The COMPANY uses industry standard security measures to protect the loss, misuse and alteration of the information under our reasonable control. Although we make good faith efforts to store the information collected on Thingsfinance.com Sites in a secure operating environment that is not available to the public, we cannot guarantee complete security. Further, while we make every effort to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent third-party “hackers” from illegally obtaining this information.
We may in certain cases collect credit card numbers, bank account numbers and other related information, such as the expiration date of the credit card (“Financial Information”). This Financial Information is submitted to us, and such Financial Information is encrypted and is protected with SSL encryption software. We will use the Financial Information for purposes of processing and completing the purchase transaction, and the Financial Information will be disclosed to third parties only as necessary to complete the purchase transaction. This information will not be sold or distributed to third parties in any way.
Anonymous Information Collected on this Website.
We record anonymous data such as traffic logs, number of visits or clicks on a given page, pages viewed or links to our site. We use IP addresses and cookies for gathering website statistics. We also store IP addresses on our server in the event that a Thingsfinance.com Site should become corrupted and it becomes necessary to discover the cause of this corruption.
We aggregate this anonymous data as part of managing, maintaining and reporting on use of our Thingsfinance.com Sites. We may share this anonymous data with third parties for the limited purpose of reporting on use of a Thingsfinance.com Site, or to comply with applicable law. We do not rent, sell or share any anonymous data collected on this website with third parties for marketing purposes. None of this anonymous data is linked to personally-identifiable information and we make no attempt to link IP addresses to the individuals who visit this site.
Cookies, Web Beacons, and Other Info Collected Using Technology.
We currently use cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database.
Third Party Vendors
Google’s use of the DoubleClick cookie enables it and its partners to serve ads to you based on your visits to Thingsfinance.com and/or other sites on the Internet.
You may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Ads Settings. (or by visiting aboutads.info.)
Third Party Advertising
We use third party advertising companies to serve ads when you visit our Thingsfinance.com Site and sites upon which we advertise. These third party advertising companies use information about your visits to our Thingsfinance.com Sites and the sites upon which we advertise, to serve ads to you. In the course of our advertisements being served to you, these companies may place or recognize their own unique third-party cookies on your browser. In addition, we may use Web beacons, provided by some of our third-party advertising companies, to help manage our online advertising. These Web beacons allow us to recognize a browser’s cookie when a browser visits this site and to learn which banner ads bring users to our website.
a. Cookies. Cookies are small chunks of data created by a web server, delivered through a web browser, and stored on your computer. They provide a means for websites that you visit to keep track of your online patterns and preferences, as well as identify you as a return visitor. Cookies make the personalization of your web experiences possible, so that you do not need to re-enter your information from scratch upon each visit to a given website. Individuals who use the Thingsfinance.com Site need to accept cookies in order to use all of the features and functionality of the site.
b. Web Beacons. A web beacon is programming code that can be used to display an image on a web page, but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows us to track certain websites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. Web Beacons can be refused when delivered via e-mail. If you do not wish to receive Web Beacons via e-mail, you will need to disable HTML images or refuse HTML (select Text only) e-mails via your e-mail software.
c. Usage Tracking and Log Files. The COMPANY tracks information related to the electronic mailings and web pages viewed by members, as well as the hyperlinks clicked by members, while viewing our e-mails or visiting our websites. Log files are used to track and monitor member usage.
d. IP Address. We collect your IP (Internet Protocol) address to help diagnose problems with our server, and to administer this Thingsfinance.com Site. An IP address is a number that is assigned to your computer when you use the Internet. Your IP address is also used to help identify you during a particular session and to gather broad demographic data
We use third-party advertising companies to serve ads when you visit our Web site. These companies may use aggregated information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please see: http://www.networkadvertising.org/managing/opt_out.asp
Links to External Websites.
CALIFORNIA RESIDENTS PRIVACY RIGHTS.
Companies that collect personally identifiable information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your personal information not be shared by contacting [email protected]In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; or by phone at 916-445-1254 or 800-952-5210; or by e-mail to [email protected]