What to Invest in Today

Privacy Policy

Who we are

Our website address is: https://whattoinvestin.today.

Online Privacy Policy

This Online Privacy Policy applies to all online and offline interactions with What to Invest in Today as more specifically noted below and our practices relating to the personal information we collect from you. This Online Privacy Policy is effective as of 1/1/2020.

1. CATEGORIES OF PERSONAL INFORMATION WE COLLECT AND HOW WE USE IT

We collect information you provide What to Invest in Today when you interact with us directly or through a third-party, such as when you register for our membership, sign up for our mailing list, or otherwise communicate with us. We use all of the information we collect to operate, maintain, improve and provide to you the features and functionality of our services and to create new features. The types of personal information we collect depends on the products and services you request and use. Below is a list of categories of personal information we collect and have collected and disclosed for a business purpose, the sources from which the information was collected, the business purposes for which the information was collected, and categories of third parties with whom the information was shared in the last 12 months.

Identifiers.

  • Types. This information may include a real name, alias, postal address, telephone number, unique personal identifier, online identifier, Internet Protocol address, email address or other communication information, account name, driver’s license number or state identification card number, passport number, or other similar identifiers or identity verification information. This information may also include website membership or reward-based program identifiers.
  • Sources. We collect this information from you, and from third parties, including information we request from service providers. This information may include information you provide and that we receive through referral activities. With your permission, we may access and import your contact list available through your email accounts.
  • Purposes. We use this information to verify your identity, facilitate transactions and to advertise to you. We may use your contact list information, if you choose to provide it, so that we may invite your friends and contacts to connect with our Service. Certain personal information must be supplied during the registration processes in order to meet our legal obligations. We may use this information to communicate directly with you, such as to send you direct mail and email marketing messages or advertising or to suppress such messages. We may also send you Service-related emails or messages (e.g., account verification, change or updates to features of the Service, technical and security notices). For more information about your communication preferences, see “Control Over Information” below.
  • Sharing. We share information in this category with third-party service providers, other third parties, originating banks, parties to a company transaction, and legally interested parties as described in Section 3 below.

Commercial Information.

  • Types. This information may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. 
  • Sources. We may receive commercial information that you provide to us directly or through third-party services.
  • Sharing. We share information in this category with third-party service providers, other third parties, parties to a company transaction, and legally interested parties as described in Section 3 below.

Network Activity and Location Information.

  • Types. This information may include, but is not limited to, your browsing history, search history, geolocation data, and information regarding your interaction with an Internet web site, application, or advertisement.
  • Sources. We collect this information from you and from third-parties such as advertising service providers and marketing analytics and information service providers. This information may be passed to us via cookies, pixels, or other tracking technologies described in Section 3 below. Geolocation data may be collected from your device, your browser, or from other sources such as metadata stored in images or files you provide to us.
  • Purposes. We use this information for security, processing your application, facilitating transactions, marketing, for verification purposes and to improve or expand our Services. For example, we use this information to better understand the effectiveness of our advertising activities and efficiency in our application process. We also use this information to better advertise to you and to track your use of our websites and the selections you make in order to satisfy regulatory obligations. Please refer to Section 2 below, which provides detailed information about our use of tracking technologies.
  • Sharing. We share information in this category with third-party service providers, other third parties, parties to a company transaction, and legally interested parties as described in Section 3 below.

Audio, Visual, and Electronic Information.

  • Types. This information may include a picture of you, digital or digitized signature, or voice recordings from phone calls. We may also collect any other communications between you and What to Invest in Today.
  • Sources. We collect this information from you or from third-parties. For example, we may collect a copy of a government issued ID that includes a picture from you, and we may collect a picture of you and your signature when you visit our offices. Your signature or digital or digitized signature may also be on documents we collect from you. We may collect this information from third-party service providers that provide member support and operations-related services.
  • Purposes. We use this information for information security, fraud detection and prevention, quality control, and for processing your application, facilitating transactions, for verification purposes and to improve or expand our Services.
  • Sharing. We share information in this category with third-party service providers, other third parties, originating banks, purchasers, prospective purchasers, parties to a company transaction, and legally interested parties as described in Section 3 below.

Other Sensitive Information.

  • Types. This information includes other information related to your transactions with us or provided to us through linked accounts and systems.
  • Sources. We may receive other sensitive information that you provide to us directly or through third-party services such as healthcare and educational service providers. This information may be included in application information, and may also be provided as part of a transaction with a service provider.
  • Purposes. We use this information for facilitating transactions, for verification purposes, regulatory requirements, to improve or expand our Services, and to offer products and Service to you.
  • Sharing. We share information in this category with third-party service providers, other third parties, parties to a company transaction, and legally interested parties as described in Section 3 below.

Inference Information.

  • Types. This information includes inferences drawn from any of the information in categories listed above. This information may indicate characteristics about you, such as preferences, habits, behavior patterns, and physical characteristics. For example, your picture may reveal physical characteristics, and transactional information may reveal patterns in spending, behavior, preferences, and other information.
  • Sources. We gather the information above from a variety of sources as described in each category.
  • Purposes. We may use this information to improve or expand our services or for marketing purposes.
  • Sharing. We share information in this category with third-party service providers, other third parties, parties to a company transaction, and legally interested parties as described in Section 3 below.

2. HOW WE USE COOKIES AND OTHER TRACKING TECHNOLOGY TO COLLECT INFORMATION.

Like most websites and online services, we and our third-party partners automatically collect certain types of usage information when you visit our Service, read our emails, or otherwise engage with us. We typically collect this information through a variety of tracking technologies, which could include cookies, web beacons, Flash cookies (locally stored objects), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). These tracking technologies collect information about how you use the Service (e.g., the pages you view, the links you click, and other actions you take on the Service), information about your browser and online usage patterns (e.g., IP address, browser type, browser language, referring / exit pages and URLs, pages viewed, whether you opened an email, links clicked), and information about the device(s) you use to access the Service (e.g., mobile device identifier, mobile carrier, device type, model and manufacturer, mobile device operating system brand and model, and depending on your mobile device settings, your geographical location data (which could include GPS coordinates (e.g. latitude and/or longitude) or similar information regarding the location of your mobile device), or we may be able to approximate a device’s location by analyzing other information, like an IP address. We, or our third-party partners, may link your various devices so that content you see on one device can result in relevant advertising and content displayed on another device, and so that we may recognize and contact you on the various devices you may use. We may also collect analytics data, or use third-party analytics tools, to help us measure traffic and usage trends for the Service. Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to Do Not Track signals from your browser at this time.

Our websites include social media features, such as the Facebook Like button. These features may collect your IP address and other information such as the page(s) you are visiting on our websites, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third party or hosted directly on our websites. Your interactions with these features are governed by the privacy policy of the company providing it.

We use or may use the data collected through tracking technologies to (a) remember information so that you will not have to reenter it during your visit or the next time you visit the site; (b) provide custom, personalized content and information, including targeted content and advertising; (c) recognize and contact you across multiple devices; (d) provide and monitor the effectiveness of our Service; (e) monitor aggregate metrics such as total number of visitors, traffic, usage, and demographic patterns on our websites; (f) diagnose or fix technology problems; and (g) otherwise to plan for and enhance our Service.

If you would prefer not to accept cookies, most browsers will allow you to adjust your browser settings to: (i) notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Blocking or deleting cookies may negatively impact your experience using the Service, as some features and services on our Service may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our e-mail and performed certain functions with it. Deleting cookies does not delete Local Storage Objects (LSOs) such as Flash objects and HTML5. You can learn more about Flash objects—including how to manage privacy and storage settings for Flash cookies—on Adobe’s website or by clicking here. If you choose to delete Flash objects from our sites, then you may not be able to access and use all or part of the sites or benefit from the information and Services offered.

We and our third-party partners may also use cookies and tracking technologies for advertising purposes. For more information about tracking technologies, please see “Third-Party Tracking and Online Advertising” below.

3. SHARING OF INFORMATION

We may share personal information about you in the instances described below. For further information on your choices regarding information about you, see the “Control Over Information” section below.

We may share personal information about you with:

  • Third-Party Service Providers. Third-party vendors and other service providers that perform services on our behalf, such as operational support services, data processors and companies that help us market our own products and third-party products that we believe may be of interest to you. We work with a number of service providers who support our operations, including but not limited to electronic payment service providers and customer support call centers. We share information with these third parties to process the transactions you initiate or to perform other specific services on our behalf, such as collections or identity verification, creating and providing targeted advertisements, or providing marketing analytics services. Our service providers are legally required to keep personal information private and secure and adhere to applicable state and federal laws and regulations and to only use the personal information we provide in order to provide such services to us;
  • Other Third Parties. Third parties at your request, such as financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers. 
  • Parties to a Company Transaction. Other parties in connection with a company transaction, such as a merger, sale of company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party, or in the event of a bankruptcy or related or similar proceedings; and
  • Legally Interested Parties. Third parties as required by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) to enforce our Terms of Use or to protect the security or integrity of our Service; and/or (c) to exercise or protect the rights, property, or personal safety of What to Invest in Today, our visitors, or others.

We may also share information with others in an aggregated or otherwise de-identified or anonymized form that does not reasonably identify you directly as an individual.

4. CONTROL OVER INFORMATION

Data sharing settings and modifying or deleting information about you: You can access and modify information about you (such as name, email address, and mailing address) that we collect online and maintain by visiting your profile in your Account Summary on our website. This section of the website is password protected to better safeguard information about you. As a registered user, you can update your password, email address, physical address, and phone number at any time on the website. Requests to change any other information in your profile or remove your name or comments from our website or publicly displayed content can be sent to us at whattoinvestintoday@gmail.com. We will respond to your request within a reasonable timeframe, but no longer than may be required under applicable law (see Section 9 below for requests under California privacy law). We may not be able to modify or delete information in all circumstances. Due to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our membership. We may also be required to maintain information about you for at least seven years to be in compliance with applicable federal and state laws regarding recordkeeping, reporting, and audits.

Opt-out from third-party sharing for direct marketing purposes: As set forth in Section 9 below, if you are a resident of California and have previously opted in to have personal information about you shared with third parties for their direct marketing purposes, but no longer wish to have such information shared, please email us at whattoinvestintoday@gmail.com, to request to not have your information shared in this manner.

How to control your communications preferences: You can update your email preferences and stop receiving promotional email communications from us by clicking on the “Unsubscribe” link provided in such communications. We make every effort to process all unsubscribe requests within a reasonable amount of time. You may not opt out of Service-related communications (e.g., account verification, transactional communications, changes/updates to features of the Service, technical and security notices).

5. THIRD-PARTY TRACKING AND ONLINE ADVERTISING

Interest Based Advertising. We participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisements based on your browsing history. We may share, or we may permit third-party online advertising networks, social media companies and other third-party services, to collect, information about your use of our websites over time so that they may play or display ads on our Service, on other devices you may use, and on other websites, apps or services. Typically, though not always, the information we share is provided through cookies or similar tracking technologies, which recognize the device you are using and collect information, including click stream information, browser type, time and date you visited the site and other information. We and our third-party partners may combine this information with information collected offline or from other sources. We and our third-party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research.

Social Media Widgets and Advertising. Our Service may include social media features, such as the Facebook Like button, Google Plus, Twitter or other widgets. These social media companies may recognize you and collect information about your visit to our Service, and they may set a cookie or employ other tracking technologies. Your interactions with those features are governed by the privacy policies of those companies.

We display targeted advertising to you through social media platforms, such as Facebook, Twitter, Google+ and others. These companies have interest-based advertising programs that allow us to direct advertisements to users who have shown interest in our Service while those users are on the social media platform, or to groups of other users who share similar traits, such as likely commercial interests and demographics. These advertisements are governed by the privacy policies of those social media companies that provide them.

Cross-Device Linking. We, or our third-party partners, may link your various devices so that content you see on one device can result in relevant advertising on another device. We do this by collecting information about each device you use when you are logged in to our Service. We may also work with third-party partners who employ tracking technologies, or the application of statistical modeling tools, to determine if two or more devices are linked to a single user or household. We may share a common account identifier (such as an email address or user ID) with third-party advertising partners to help recognize you across devices. We, and our partners, can use this cross-device linkage to serve interest-based advertising and other personalized content to you across your devices, to perform analytics and to measure the performance of our advertising campaigns.

Your Choices:

  • Interest-based advertising. To learn about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative (NAI) online resources, at http://www.networkadvertising.org/choices, and/or the Digital Advertising Alliance (DAA) resources at http://www.aboutads.info/choices.
  • Cross-device linking. Please note that opting-out of receiving interest-based advertising through the NAI’s and DAA’s online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use.
  • Mobile advertising. You may also be able to limit interest-based advertising through the settings on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest based ads” (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app.
  • Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you will need to opt-out again.

Google Analytics and Advertising. We use Google Analytics to recognize you and link the devices you use when you visit our websites or Service on your browser or mobile device, login to your account on our Service, or otherwise engage with us. We may share a unique identifier, like a user ID or hashed email address, with Google to facilitate the Service. Google Analytics allows us to better understand how our users interact with our Service and to tailor our advertisements and content to you. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google’s site “How Google uses data when you use our partners’ sites or apps” located at https://www.google.com/policies/privacy/partners/. You can learn about Google Analytics’ currently available opt-outs, including the Google Analytics Browser Ad-On here https://tools.google.com/dlpage/gaoptout/.

We may also utilize certain forms of display advertising and other advanced features through Google Analytics, such as Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics Demographics and Interest Reporting. These features enable us to use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Doubleclick advertising cookie) or other third-party cookies together to inform, optimize, and display ads based on your past visits to the Service. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at https://google.com/ads/preferences or by vising NAI’s online resources at http://www.networkadvertising.org/choices.

6. HOW WE PROTECT AND STORE INFORMATION ABOUT YOU

Keeping information safe: We take our role in safeguarding information about you seriously. We maintain a security program that draws on industry standards and best practices. We take a defensive, in-depth approach to implementing physical, administrative, and technical safeguards to protect information against unauthorized access or misuse. The safeguards include preventive, detective, and corrective controls, for example: physical safeguards like access badges and a video monitoring system; administrative safeguards like an employee security training program, employment background checks, and access controls; and technical safeguards like perimeter security, encryption, two-factor authentication, and regular security monitoring with layered and complementary controls. In addition, we use:

  • Encryption & website certificates. Encryption protects the information you share with us from the moment it leaves your computer until it reaches our systems. Look for the secure locked padlock on your browser, which signifies a secure web connection. Consult your web browser documentation for more information.
  • Session time-outs. We employ session time-outs that will log you out of the website automatically after a period of inactivity. This reduces the risk of others being able to access your account if you leave your computer unattended.
  • Passwords. You should never share your password with anyone. Your password is not known to any What to Invest in Today employee or third party, and we will never ask for your password by phone or email. If you ever receive a communication claiming to be from What to Invest in Today that asks for your password, you should immediately report it by contacting us at whattoinvestintoday@gmail.com
  • Identity theft protection. In order to protect your identity at What to Invest in Today, we have developed and implemented an identity theft prevention and response program that is designed to detect, prevent, and mitigate identity theft. We utilize authentication technology to verify the identities of our investors and borrowers, and have established processes, procedures, and training for What to Invest in Today employees to identify and respond appropriately to identity theft indicators. We also periodically review and adjust security safeguards as the threat landscape evolves. Ultimately no security system is impenetrable, and we cannot guarantee the security of our systems 100%. In the event that any information under our control is compromised as a result of a breach of security, our policy is to take reasonable steps to investigate the situation and, where appropriate, communicate with affected individuals.

Data storage and transfer: Information collected through our websites may be stored and processed in the United States or any other country in which we or our affiliates or service providers maintain facilities. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which we or our parent, subsidiaries, affiliates, or service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

7. CHILDREN’S PRIVACY

We do not knowingly collect or solicit any information from anyone under the age of 13 on this Service. In the event that we learn that we have inadvertently collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that we might have any information from a child under 13, please contact us at whattoinvestintoday@gmail.com.

8. LINKS TO OTHER WEBSITES AND SERVICES

The Service may contain links to and from third-party websites of our business partners, advertisers, and social media sites and our users may post links to third-party websites. 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. We strongly recommend that you read their privacy policies and terms and conditions of use to understand how they collect, use, and share information. We are not responsible for the privacy practices or the content on third-party websites.

9. YOUR CALIFORNIA PRIVACY RIGHTS

In California, you may opt-in to have personal information about you shared with third parties for their direct marketing purposes. Consistent with California Civil Code Section 1798.83, if you no longer wish to have personal information about you shared with third parties for their direct marketing purposes, please email us at whattoinvestintoday@gmail.com to request to not have your information shared in this manner.

The California Consumer Privacy Act or CCPA provides for additional rights for California consumers. Your rights under the CCPA include: a) the right to request that a business that collects a consumer’s personal information disclose to that consumer the categories and specific pieces of personal information the business has collected; b) the right to request that a business delete certain personal information about the consumer which the business has collected from the consumer; c) the right to request that a business that collects personal information about the consumer disclose to the consumer the categories of personal information it has collected about that consumer, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting or selling personal information, the categories of third parties with whom the business shares personal information, and the specific pieces of personal information it has collected about that consumer; d) the right to request that a business that sells the consumer’s personal information, or that discloses it for a business purpose, disclose to that consumer the categories of personal information that the business sold or disclosed; and e) the right to opt-out of the sale of personal information.

10. HOW TO CONTACT US

If you have any questions about this Privacy Policy or our websites, please contact us at whattoinvestintoday@gmail.com

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