Privacy Policy

Privacy Policy

 

The Smart Investor (“us”, “we”, or “our”) operates the http://thesmartinvestor.com/ website (the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from http://thesmartinvestor.com/

Information Collection And Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

  • Email address
  • First name and last name
  • Phone number
  • Address, State, Province, ZIP/Postal code, City
  • Cookies and Usage Data

Many of the features of  The Smart Investor are available to you without you providing personally identifiable information. Personally identifiable information generally includes information that could be used to determine your identity, such as your name, address, phone number, e-mail address, and birth date. We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you.

Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

Use of Data

The Smart Investor uses the collected data for various purposes:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues

We use the information we collect from you and third parties to operate our Products, communicate with you, conduct research and development to improve or enhance our Products and customer experience. These are a few examples:

To create your account with our partners whose services you have requested. We require you to enter data which is used to verify your identity, avoid fraud and ultimately sign you up for the partner offer you are requesting (such as a loan quote).

To improve our recommendations and insights. The information we collect also helps us tailor our content and improve the way we match you to recommended offers or insights. We’re constantly working on ways to better identify and present the information that’s most relevant to you.

To communicate with you. We use information we collect to provide you with member support or to send you personalized offer recommendations. You have the option to decline such offers and be removed from e-mail promotion lists at any time. To make this request, please email [email protected] Smart Investor.com or unsubscribe here https://www.The Smart Investor.com/unsubscribe

To conduct research and to improve and promote our services. We use the information we collect to conduct research and to improve or enhance and promote our Services.

For legal reasons. To the extent permitted by law, we may also share your personal information if we believe it is necessary to comply with the law, to enforce or apply our Terms of Use, or to protect the rights, property, or safety of The Smart Investor.com, our employees, partners, and users. We reserve the right to share information with anyone outside of our network if we are mandated to do so by law or court order.

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

The Smart Investor will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

We may disclose your information in connection with providing the Services and the operation of our business. For example:

We may share Personal Information with certain of our third party partners to verify your identity in connection with your use of certain aspects of the Services.

For example, we may ask for your social security number, or a portion of it, to verify your identity in connection with services that enable you to see your current credit score or other financial information.

We may share Personal Information with third party service providers in connection with your use of specific aspects of the Services. Some examples include but are not limited to:

When you request answers through our Services, The Smart Investor may provide certain of your information to third party experts, advocates, and advisors.

When you request to match with a lender or credit card issuer for a Prequalified Loan Offer, The Smart Investor will provide certain of your information to third party service providers.

When you report a complaint about a product or third party service provider featured on our site.

By submitting a request through our Services, you consent to the disclosure of your information to third parties in order for us to carry out your request. The collection and use of your information by third parties is subject to each third party’s specific privacy policy and terms of use. The Smart Investor has no control over the means by which third parties further use or disclose your information.

If you submit a request through our Services, a third party service provider may directly contact you with quotes or information via telephone, fax, and/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do No Call Registry or any other similar registry.

Do not submit a request for information or services if you do not want your personal information shared as described above. Once you have submitted a request through the Services and we have shared your information as described above, the terms of the third party’s privacy policy will apply to that party’s use of your information.

When you choose to share your own information to a publicly accessible area of the Site, such as a public profile page or any section where you can publicly submit questions to us or our third party partners, that information will be available to anyone who is able to access that content, including other Site users. Additionally, questions you submit and answers provided by third parties may be posted on our Site and viewable by other users and the public.

We work with third party service providers to provide website, application development, hosting, data storage, maintenance, and other services for us. To the extent it is necessary for these third party service providers to complete their contractual obligations to us, these third parties may have access to or process your information.

We make certain information available to third parties, to: (i) comply with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, habits, and usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Services. When possible, we provide this information in a de-identified way.

We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.

 

Also, The Smart Investor may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of The Smart Investor
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Security Of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

External Service Providers

The Smart Investor has links to independent external sites, and this Privacy Policy does not address or apply to those sites. This Policy is applicable only to this Site and not to any other websites that you may be able to access from this Site, each of which may collect data and use it in a manner that materially differs from our Policy. Although certain third party websites may appear to be part of this Site, this Site does not necessarily own or operate any of these third party websites and is not responsible for the privacy policies, practices or contents of such websites.

There are a number of separate services offered by third parties, including, without limitation, The Smart Investor’s affiliates, that The Smart Investor refers to as external service providers that may be complementary to your use of www.The Smart Investor.com (e.g. realtors, mortgage brokers, lenders, financial institutions, credit card issuers, information aggregators). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy. With your consent, The Smart Investor may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent The Smart Investor’s disclosure of your personally identifiable information to an external service provider, you can decline such consent or simply not use their services. You should evaluate the practices of external services providers before deciding to use their services.

Internal Service Providers

The Smart Investor may use third parties that The Smart Investor refers to as internal service providers to facilitate or outsource one or more aspects of The Smart Investor’s business, product and service operations that The Smart Investor provides to you (e.g., technology, Forums, newsletters/alerts, analytical tools, advertising campaign management) and therefore The Smart Investor may provide some of your personal information directly to these internal service providers. These internal service providers are subject to confidentiality agreements with The Smart Investor or other legal restrictions that prohibit their use of the information The Smart Investor provides them for any other purpose except to facilitate the specific outsourced The Smart Investor 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. 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 personally identifiable information is governed by their applicable privacy policy.

 

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

  • Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Advertising

The Smart Investor may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to www.The Smart Investor.com and other Web sites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.

The types of information that may be collected by third-party advertising companies include the following:

  • the type of Internet browser you use;
  • other interactions between you and a Web site.
  • the type of computer operating system you use;
  • the domain name of a Web site you visit, as well as information related to Web sites and Web pages you are viewing when an advertisement is requested;
  • search keywords passed from another server;
  • whether or not you visit specific pages of www.The Smart Investor.com or other Web sites;
  • the location of your Internet service provider’s point of presence;
  • the date and time of a visit to a Web site;
  • the number of times you have clicked on an advertisement; and
  • Controlling Your Personal Information

We may implement third party advertising or other content on the Site that may use clear gifs or other forms of web beacons, which allow the third party content provider to read and write Cookies to your web browser in connection with your viewing of the third party content on the Site. Additionally, we may implement third party buttons (such as Facebook “like” or “share” buttons) that may allow a third party to collect information about you through their browser Cookies, even when you do not interact with the button.

A number of different targeting and advertising programs may be used on this Site, including without limitation, Google Analytics.  We allow third parties, including business partners, advertising networks, analytics providers, and other advertising service providers to collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display advertisements on our Site and elsewhere online, and across your browsers and devices, tailored to your interests and preferences.  Information collected through web beacons, buttons, and similar technologies is collected directly by third parties, and we are not responsible for the privacy practices of these third parties.  The information collected by these third parties in this manner is subject to that third party’s own privacy policies.  Some of these third parties are members of the Network Advertising Initiative and participate in the industry’s opt out.

Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out.  Many mobile devices allow you to opt out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device.  For more information, please check your mobile settings.  You also may uninstall our app using the standard uninstall process available on your mobile device or app marketplace. Please note that your opt-out choice will apply only to the browser and device you are using when you opt out.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

International Visitors

The Service is hosted in the United States and is intended solely for visitors located within the United States. The information we provide and the third-party products and services featured are tailored for the United States market only. You agree that if you choose to use the Services from outside the United States, you will be transferring your information outside of those regions to the United States for storage and processing.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “effective date” at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.