Your privacy is very important to us. We do not sell or rent your personal
information to third parties for their marketing purposes without your explicit
we use and protect your personal information. If you have additional
questions, you may send email to firstname.lastname@example.org
Overview The privacy practices of this statement apply to our services available
under the domain and sub domains of http://www.money4investors.com
and apply generally to our subsidiaries or joint venture websites whose
specific privacy policies are available from our Privacy Central pages. By
visiting this website you agree to be bound by the terms and conditions of this
of our services, we collect from you and what may happen to that information.
Although this policy may seem long, we have prepared a detailed policy because
we believe you should know as much as possible about Money4Investors practices
so that you can make informed decisions. All of our subsidiaries and joint
ventures operate under similar privacy practices as described in this Privacy
Policy and, subject to the requirements of applicable law, we strive to provide
a consistent set of privacy practices throughout global Money4Investors.
Table of Contents
An Important Note About Children Information We Collect Our Use of Your
Information Our Disclosure of Your Information Advertisers External Service
Providers Internal Service Providers for Our Operations Other Corporate
Entities Legal Requests Your Use of Other Users' Information Use of Email Tools
Control of Your Password Accessing, Reviewing and Changing Your Personal
Information Other Information Collectors Security Privacy Tools
Notice 1. A Special Note About Children.
Children (persons under the age of 18) are not eligible to use the Site
unsupervised and we ask that children do not submit any personal information to
us. If you are under the age of 18, you may only use this Site in conjunction
with and under the supervision of your parents or guardians.
2. Information We Collect.
Our primary purpose in collecting personal information is to provide you with a
safe, smooth, efficient, and customized experience. This allows us to provide
services and features that most likely meet your needs, and to customize our
service to make your experience safer and easier. We only collect personal
information about you that we consider necessary for achieving this purpose. In
general, you can browse the Site without telling us who you are or revealing
any personal information about yourself. Once you give us your personal
information, you are not anonymous to us. If you choose to use our services, we
may require you to provide contact and identity information, billing
information, shipping information and other personal information as indicated
on the forms throughout the Site. Where possible, we indicate which fields are
required and which fields are optional. You always have the option to not
provide information by choosing not to use a particular service or feature.
Under some circumstances we may require some additional financial information,
such as, but not limited to: if you are registering using an email account at a
free email service, or registering to sell on the Site. We use your financial
information, including credit card information to verify the accuracy of your
name, address, and other information, as well as to bill you for your use of
our services. We automatically track certain information based upon your
behavior on the Site. We use this information to do internal research on our
users' demographics, interests, and behavior to better understand, protect and
serve you and our community. This information may include the URL that you just
came from (whether this URL is on the Site or not), which URL you next go to
(whether this URL is on the Site or not), your computer browser information,
and your IP address. We use data collection devices such as "cookies" on
certain pages of the Site to help analyze our web page flow, measure
promotional effectiveness, and promote trust and safety. "Cookies" are small
files placed on your hard drive that assist us in providing our services. We
offer certain features that are only available through the use of a "cookie".
a session. Cookies can also help us provide information that is targeted to
"session cookies," meaning that they are automatically deleted from your hard
drive at the end of a session. You are always free to decline our cookies if
your browser permits, although in that case you may not be able to use certain
features on the Site and you may be required to reenter your password more
frequently during a session. Additionally, you may encounter "cookies" or other
similar devices on certain pages of the Site that are placed by third parties.
For example, if you view a web page created by a user, there may be a "cookie"
parties. If you choose to bid, buy or sell on the Site, we collect information
about your bidding, buying and selling behavior. We also collect other users'
comments about you in our feedback area. If you establish a credit account with
us to pay the fees we charge, we collect some additional information, such as a
billing address, a credit card number and a credit card expiration date and
tracking information from checks or money orders. If you choose to post
messages in our Cafés, chat rooms or other message areas or leave feedback for
other users, we will collect that information you provide to us. We retain this
information as necessary to resolve disputes, provide customer support and
troubleshoot problems as permitted by law. If you send us personal
correspondence, such as emails or letters, or if other users or third parties
send us correspondence about your activities or postings on the Site, we may
collect such information into a file specific to you.. For a chart showing what
information we collect from or about you, and who has access to that
information, please see the Appendix.
3. Our Use of Your Information.
We use your personal information to facilitate the services you request. We use
your personal information in the file we maintain about you, and other
information we obtain from your current and past activities on the Site to:
resolve disputes; troubleshoot problems; help promote safe trading; collect
fees owed; measure consumer interest in our products and services, inform you
about online and offline offers, products, services, and updates; customize
your experience; detect and protect us against error, fraud and other criminal
activity; enforce our User Agreement; and as otherwise described to you at the
time of collection. At times, we may look across multiple users to identify
problems or resolve disputes, and in particular we may examine your personal
information to identify users using multiple User IDs or aliases. We may
compare and review your personal information for errors, omissions and for
accuracy. If you choose to list an item for sale on the Site or open a credit
account, or otherwise provide us with your financial information, we use your
address and billing information to bill you and provide associated support. You
agree that we may use personal information about you to improve our marketing
and promotional efforts, to analyze site usage, improve our content and product
offerings, and customize the Site's content, layout, and services. These uses
improve the Site and better tailor it to meet your needs, so as to provide you
with a smooth, efficient, safe and customized experience while using the Site.
You agree that we may use your personal information to contact you and deliver
information to you that, in some cases, are targeted to your interests, such as
targeted banner advertisements, administrative notices, product offerings, and
communications relevant to your use of the Site. By accepting the User
If you do not wish to receive these communications, we encourage you to opt out
of the receipt of certain communications on the notification preferences page.
You may make changes to your notification preferences at any time.
4. Our Disclosure of Your Information.
As a matter of policy, we do not sell or rent any of your personal information
to third parties for their marketing purposes without your explicit consent.
However, the following describes some of the ways that your personal
information may be disclosed in the normal scope of business to provide our
services. Advertisers. We aggregate (gather up data across all user accounts)
personal information and disclose such information in a non-personally
identifiable manner to advertisers and other third parties for their marketing
and promotional purposes. However, in these situations, we do not disclose to
these entities any information that could be used to identify you personally.
Certain information, such as your name, email address, password, credit card
number, and bank account number, are not disclosed to these third parties in a
personally identifiable manner without your explicit consent. Internal Service
Providers for Our Operations. We may use third parties that we refer to as
internal service providers to facilitate or outsource one or more aspects of
the business, product and service operations that we provide to you (e.g.,
search technology, discussion boards, bill collection, affiliate and rewards
programs, co-branded credit cards) and therefore we may provide some of your
personal information directly to these internal service providers. These
internal service providers' are subject to confidentiality agreements with us
and other legal restrictions that prohibit their use of the information we
provide them for any other purpose except to facilitate the specific outsourced
Money4Investors.com related operation, unless you have explicitly agreed or given
your prior permission to them for additional uses. In some instances, the
internal service provider may collect information directly from you (such as
for Money4Investors surveys or for a co-branded credit card). In these cases,
you will be notified of the involvement of the internal service provider, and
all additional information you provide them and their additional uses will be
strictly up to you. If you provide additional information to an internal
service provider directly, then their use of your personal information is
cooperates with law enforcement inquiries, as well as other third parties to
enforce laws, such as: intellectual property rights, fraud and other rights, to
help protect you and the Money4Investors community from bad actors. Therefore,
in response to a verified request by law enforcement or other government
officials relating to a criminal investigation or alleged illegal activity, we
can (and you authorize us to) disclose your name, city, state, telephone
number, email address, User ID history, fraud complaints, and bidding history
without a subpoena. Without limiting the above, in an effort to respect your
privacy and our ability to keep the community free from bad actors, we will not
otherwise disclose your personal information to law enforcement or other
government officials without a subpoena, court order or substantially similar
legal procedure, except when we believe in good faith that the disclosure of
information is necessary to: prevent imminent physical harm or financial loss;
or report suspected illegal activity. Further, we can (and you authorize us to)
disclose your name, street address, city, state, zip code, country, phone
number, email, and company name to Money4Investors Program participants under
confidentiality agreement, as we in our sole discretion believe necessary or
appropriate in connection with an investigation of fraud, intellectual property
infringement, piracy, or other unlawful activity. Due to the existing
regulatory environment, we cannot ensure that all of your private
communications and other personal information will never be disclosed in ways
limiting the foregoing), we may be forced to disclose personal information to
the government or third parties under certain circumstances, third parties may
unlawfully intercept or access transmissions or private communications, or
users may abuse or misuse your personal information that they collect from the
Site. Therefore, although we use industry standard practices to protect your
privacy, we do not promise, and you should not expect, that your personal
information or private communications will always remain private. For a chart
showing what information we collect from or about you, and who has access to
that information, please see the Appendix.
5. Your Use of Other Users' Information.
By entering into our User Agreement, you agree that, with respect to other
users' personal information that you obtain through the Site or through a
Money4Investors-related communication or Money4Investors-facilitated
transaction, Money4Investors hereby grants to you a license to use such
information only for: (a) Money4Investors-related communications that are not
unsolicited commercial messages, (b) using services offered through
Money4Investors (e.g. escrow, insurance, shipping and fraud complaints), and
(c) any other purpose that a user expressly agrees to after you tell them the
purpose you would like to use it for. In all cases, you must give users an
opportunity to remove themselves from your database and a chance to review what
information you have collected about them. In addition, under no circumstances,
except as defined in this Section, can you disclose personal information about
another user to any third party without our consent and the consent of that
user. You agree that other users may use your personal information to
communicate with you in accordance with this Section. Note that law enforcement
personnel, Money4Investors and our users do not tolerate spam. Therefore,
without limiting the foregoing, you are not licensed to add an Money4Investors.com user, even a user who has purchased an item from you, to your mail
list (email or physical mail) without their express consent. To report
Money4Investors related spam to Money4Investors.
6. Control of Your Password.
You are responsible for all actions taken with your User ID and password,
including fees charged to your account. Therefore we do not recommend that you
disclose your password to any third parties. If you choose to share your
User ID and password or your personal information with third parties, you are
responsible for all actions taken with your account and therefore you should
you may lose substantial control over your personal information and may be
subject to legally binding actions taken on your behalf. Therefore, if your
password has been compromised for any reason, you should immediately change
your password as detailed in Section 8.
7. Accessing, Reviewing and Changing Your Personal Information.
We offer you the ability to automatically review and change the information you
submit to us by logging into the Site and entering in the new information
yourself. Generally, we will not modify your personal information based on your
request because it is very difficult to authenticate your account manually. You
can change your user Id, email address, contact information, financial
information, shipping information and user preferences by going the preferences
and setup section in register. You must promptly update your personal
information if it changes or is inaccurate. Once posted, you may not be able to
change or remove any public postings made on the Site including our chat rooms
or other message areas or the feedback area. Upon your request, we will
deactivate your account, contact information, billing information, shipping
information, and financial information from our active databases. To make this
request, email email@example.com.
Such information will be deactivated as soon as reasonably possible based on
your account activity and in accordance with our deactivation policy and
applicable law. We will retain in our files some personal information you have
requested to remove to prevent fraud, collect any fees owed, resolve disputes,
troubleshoot problems, assist with any investigations, enforce our User
Agreement and comply with legal requirements as is permitted by law. Therefore,
you should not expect that all of your personal information will be completely
removed from our databases in response to your requests. However, such personal
information will be deactivated from public and member viewing and will only be
available to select Money4Investors personal. 9. Other Information Collectors.
only addresses the use and disclosure of information we collect from you. To
the extent that you disclose your information to other parties, whether they
are bidders, buyers or sellers on our site or other sites throughout the
Internet, different rules may apply to their use or disclosure of the
information you disclose to them. Since Money4Investors.com does not control the
privacy policies of third parties, you are subject to the privacy policies of
that third party. We encourage you to ask questions before you disclose your
personal information to others.
Your information is stored on Money4Investors servers located in the United
States. We use procedural and technical safeguards to protect your personal
information against loss or theft as well as unauthorized access and disclosure
to protect your privacy, including encryption, "firewalls" and Secure Socket
Layers. We treat data as an asset that must be protected against loss and
unauthorized access. We employ many different security techniques to protect
such data from unauthorized access by users inside and outside the company.
However, "perfect security" does not exist on the Internet.