Last Updated 7/31/2015.
Website collects information from individuals by various methods, including, but not limited to, when an individual voluntarily signs up at the Website to receive offers from Website and any third parties with whom Website may contract at its sole election and in its sole discretion.
Website gathers both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) (collectively PII and Non-PII are referred to herein as “Information”). PII is information that identifies or can identify you as an individual. Non-PII is generally demographic information and other aggregated information that does not reveal your specific identity.
We may use Information for any purpose and reserve the right to share Information with third parties for any purpose. We may sell, rent, license, or transfer Information to third parties for any purpose in our sole discretion. We may combine Non-PII with PII and we may share any and all of your Information with third parties.
Among other uses, Website uses Information, including but not limited to your email address, to provide promotional offers to you on behalf of third parties. Website may maintain separate email lists for different purposes. If at any time you wish to end your email subscription from a particular list, please follow the instructions at the end of the email message to unsubscribe from the particular list. For assistance with any Website unsubscribe request, please email us at firstname.lastname@example.org. Please note that it may take up to 10 days for us to process your opt-out request.
Even if you have unsubscribed from receiving promotional emails from us, we reserve the right to send you other types of important e-mail communications as permitted by law because of a business relationship with you, notwithstanding any previous opt-out request (as, for example, in the case of administrative notices). Please note that opting out of receiving promotional email communications will affect only future communications from Website. If we already provided your Information to a third party before you opted out from Website, you may have to change your preferences (i.e., opt out) directly with that third party as well.
We also may disclose your PII and PI Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from law enforcement or another government agency, or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us in our sole discretion.
We recognize that the security of the Information you provide to us is important. Though we take every precaution to help ensure that security, we cannot guarantee that Information supplied by visitors to the Website will be secure at all times. We assume no liability for any damages you may suffer as a result of interception, alteration or misuse of Information provided to us. If you have reason to believe that there has been any breach of the security of the Website, please contact us immediately at email@example.com.
By submitting personal contact information through the Website, you are granting written permission to Website, its business partners, and any third parties with whom Website contracts to be contacted via telephone, voice broadcasts, postal mail, SMS text message (standard text messaging charges may apply), and/or email.
We are not responsible for the privacy practices or the content of such third-party websites, including such websites’ use of any PII that you provide to them. We strongly encourage you to become familiar with the privacy practices of those third party websites.
If you are a California resident, you have the right to request additional information about our usage and sharing of certain categories of PII with third parties. California law gives you the right to send us a request to divulge the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year, the names and addresses of the third parties that received that information, and, if the nature of the third party’s business cannot be determined from their name, examples of the products or services they marketed. We may provide you this information in a standard format that is not specific to you. The designated email address for any such requests is firstname.lastname@example.org.
The Website is not directed to or intended for individuals under the age of thirteen (13), and we request that such individuals not provide PII through the Website. Website will never knowingly collect any PII about children under the age of thirteen (13). If Website obtains actual knowledge that it has collected PII about a child under the age of thirteen (13), that PII will be immediately deleted by Website. Since Website will never knowingly collect such PII, Website has no such information to use or to disclose to third parties. Website has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).
By using this Website, visitors from outside of the United States of America (“USA”)acknowledge that this Website is subject to the laws and regulations of the USA, and waive any and all claims that may arise under any laws outside of the USA. Anyone using the Website outside of the USA acknowledges and consents to the collection and storage of personal information by Website outside of their country and in the USA. J.D. Mellberg Financial, its owners and affiliates are not licensed to transaction insurance or any business outside the U.S. and product types discussed on Website may not be available outside the U.S.
cookies: A cookie, also known as an HTTP cookie, web cookie, or browser cookie, is usually a small piece of data sent from a website and stored in a user’s web browser while a user is browsing a website.
pixel tag: A pixel tag is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.
web beacons: A web beacon is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.
clear GIF: A clear GIF is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.