Our Commitment to Privacy
To better protect your privacy we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage and at every point where personally identifiable information may be requested.
A Note to Non-US Users
A Note to California & Canadian Users
A Note to All Users
What is Personally Identifiable Information
“Personally identifiable information” is information that can be used to identify you as an individual. Personally identifiable information includes your name, address, telephone number and any other information that is connected with you personally.
Information You Provide to Us
On some pages of The Site, you may be able to subscribe, register as a user, order products, make requests, and ask to receive materials. When you subscribe, register, place an order, schedule a delivery, or otherwise transact business on The Site, we may collect personally identifiable information from you, such as your name, email address, address, country of residence, phone number, zip code and/or mail code; gender and age; credit card number, information, name, billing information, expiration date and security code; order number, reference number, billing contact and address, and delivery contact and address; other payment information; and subscriber or registration user name, number, login, password, password reminder questions, security questions and answers for returning users. If you provide us feedback or testimonials regarding The Site, products or service via The Site or email, we will collect your name, email address and other information you provide.
From time to time and if they are offered, you may be able to elect to participate in a variety of CONCORDIAFINANCIALEXCHANGE.COM emails or e-letters (email services), ranging from daily news to specials. CONCORDIAFINANCIALEXCHANGE.COM collects personal information in connection with the registration for and use of such services. If you wish to opt out of receiving such promotional emails, you should follow the directions to opt out on such emails or as provided through The Site.
Personal Information Collected via Technology
An “IP Address” is a number that is usually associated with the place from which you enter the Internet, like your Internet Service Provider, your company or your university. We may use your IP address to help diagnose problems with our servers, to gather broad demographic information, to administer The Site, and/or to analyze The Site’s flow.
“Cookies” are small amounts of data (often including a unique identifier), that are sent to your browser from a website’s computers and stored on your computer’s hard drive. The Site may use both session cookies, which expire once you close your web browser, and persistent cookies, which stay on your computer until you delete them, to provide you with a more personal and interactive experience on The Site. You often have the ability to accept or to decline cookies, typically through an option on your web browser. If you disable your cookies, however, you will not have access to certain features of The Site or portions of The Site may not function efficiently.
“Clear GIFs” are clear electronic images that are used to track your movements on The Site. They help us determine whether content on The Site is effective. We also use clear GIFs in certain types of emails (such as HTML-based emails) to let us know which emails have been opened and acted upon by recipients (including any persons to which the emails have been forwarded). Clear GIFs on our site collect a limited set of information including cookie number, time and date of a page view and a description of the page on which the clear GIF resides. This information helps us assess the effectiveness of certain communications and marketing campaigns.
Use of Information
We use the information you provide about yourself to provide Subscription(s), renewal(s) of the Subscription(s), services and/or ordered product to you. Such services and our use of information include the assessment of, communication concerning, billing and payment, and fulfillment of an order. We also use personally identifiable information to notify you about updates to our services, marketing initiatives, and to respond to your requests and inquiries. We also may use personally identifiable information to offer you other products, programs or services that we believe may be of interest to you, to send you newsletters and other marketing material concerning sale information, and to issue discount coupons. We use the information you provide to communicate with you, such as to notify you when we make changes to our registration or subscription agreement, to fulfill a request by you for a subscription or an online newsletter, or to contact you about your account, subscription or registration with us.
We use and may disclose to third parties the information that you provide also for the purpose of fulfilling drop shipments and warranty/repair issues, if applicable.
If you register with The Site, we may send you newsletters and emails that directly promote the use of The Site or the purchase of our products or services and may contain, in whole or in part, advertisements for third parties which relate to others with whom we do business.
We use return email addresses to answer emails or web-based requests that we receive.
If you send a testimonial or comment to us, we may post it on The Site or use it in any advertising materials. We will attribute your testimonial to you by posting your name or some combination of your name and initials, if provided or ascertainable, on The Site or advertising materials.
We use the information you provide about someone else when placing an order to ship a product or service and to confirm delivery, if applicable. We do not share this information with outside parties except to the extent necessary to provide services or ordered product or service.
We use the information that you provide about others to enable us to send them your gifts or cards, if applicable. From time to time, we also may use this information to offer our products, programs, or services to them
We may create anonymous data records from personally identifiable information by excluding information (such as your name) that makes the data personally identifiable to you. We use this anonymous data to perform statistical analysis of users’ aggregate behavior so that we may enhance the content of our services and The Site, and improve The Site’s navigation. We reserve the right to disclose anonymous data to third parties in our discretion.
We use the non-personally identifiable information that we collect to improve the design and content of The Site and to enable us to augment your Internet experience. We also may use this information in the aggregate to analyze site usage, as well as to offer you products, programs, or services.
We may transfer information about you if we are acquired by or merged, in part or in whole, with another company.
Our Commitment to Data Security
The Site takes precautions to protect your personally identifiable information. When you transmit credit card information, it is encrypted during transfer via SSL (Secure Socket Layer).
While our goal is to operate a 100% error-free and secure site, we do not guarantee that The Site is accurate, complete or free from unauthorized access. To help prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.
Our Commitment to Children’s Privacy
The Site is not directed towards children, minors or anyone under the age of 18.
Please do not send us any information about anyone under the age of 18, like names, addresses or email addresses. In general, we do not knowingly collect personally identifiable information from those under 18. If, in limited circumstances, we do knowingly collect personally identifiable information from someone under the age of 18, we will do so only with verified parental consent prior to collection. In the event that we learn that we have collected any personal information from a child under the age of 18 without verification of parental consent, we will delete that information from our database as quickly as possible.
Breaches of Security
We are not responsible for any breach of security caused by third parties or for any actions of any third parties that receive the information. We also may link to other websites or we may allow to be displayed on The Site advertisements of third parties. We are not responsible for such third party’s privacy policies or how they treat information about their users.
Legal Subpoenas and Other Required Disclosures
Update/Change Your Data/Opt Out
To update your email address or change your preferences please contact SUPPORT@CONCORDIAFINANCIALEXCHANGE.COM.
Your California Privacy Rights
California residents who utilize The Site for personal, family, or household purposes may request further information about our compliance with this law by emailing SUPPORT@CONCORDIAFINANCIALEXCHANGE.COM. You should put the statement “Your California Privacy Rights” in the subject field of your email. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
What Else Should I Know About My Privacy When Online?
Please keep in mind that whenever you voluntarily disclose personal information online -for example through email, discussion lists, or elsewhere -that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return.
Ultimately, you are solely responsible for determining whether you intend for your personal information to be confidential and for maintaining its confidentiality. Please be careful and responsible whenever you’re online.
Terms & Conditions of Use of The Site
Should you have other questions or concerns about these privacy policies, please contact us through the contact information on our Contact Us page or send us an email at SUPPORT@CONCORDIAFINANCIALEXCHANGE.COM.
The Site is operated by: CONCORDIAFINANCIALEXCHANGE.COM LLC
Last updated: OCTOBER 1, 2020
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