When referred to in this Privacy Policy, the term “Personal Information” includes any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household, including any information that is subject to applicable data protection laws. This Privacy Policy only covers Personal Information collected via the Sites and does not cover any information collected at any other web site or offline by GFM (unless specifically stated at the time of collection).
Personal Data Collected
When you visit our Website, we collect certain information related to your device, such as your IP address, what pages you visit on our Website, whether you were referred to by another website, and at what time you accessed our Website. We will not collect any data without your prior explicit consent.
We do not collect any other type of personal data. If you are accessing our website through a social media account, please refer to the social media provider’s privacy policy for information regarding their data collection.
Children’s Privacy
We do not knowingly collect any personal information from children under the age of 13 without parental consent, unless permitted by law. If we learn that a child under the age of 13 has provided us with personal information, we will delete it in accordance with applicable law.
Information Usage
Unless disclosed otherwise at the time of collection, we do not share any Personal Information you submit through our Website or the Apps with any unaffiliated third party, unless it is necessary to respond to your inquiry, or to comply with applicable law.
We may use Aggregate Information to improve and enhance the Website or the Apps, analyze trends, administer the Website or the Apps and for our market research activities. For example, we may share Aggregate Information with unaffiliated third parties, such as business partners, manufacturers, distributors and retailers, in an aggregate, anonymous form, which means that the shared information will not contain nor be linked to any Personal Information. We will never sell your Personal Information to any third party not affiliated with us without your consent except in connection with the sale or merger of our company or the division responsible for such services.
Log Files
Like most standard Web site servers, we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/timestamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use.
Cookies
A cookie is a piece of data stored on the user’s computer tied to information about the user. We and some of our business partners (for example, advertisers) use cookies on our Website. These cookies track usage of the site for security, analytics and targeted advertising purposes.
We use the following type of cookies:
Essential cookies: these cookies are essential to the provision of our Website.
Functionality cookies: these cookies help us remember choices you have made while on our website, remember your preferences, and personalize your Website experience.
Analytics and performance cookies: these cookies help us collect statistical and analytical usage to help us analyze website usage.
Social media cookies: These cookies allow you to interact with content on certain social media platforms, such as “liking” our articles. Depending on your social media setting, the social media network will have a record of this and may display your name or identifier in relation to this action.
Advertising and targeted advertising cookies: these cookies track your browsing habits and location to provide you with advertising in line with your interests.
If you wish to disable cookies, you may do so through your individual browser options. For further information regarding cookies and how to manage them, please see http://www.allaboutcookies.org/.
Advertisers
- Third party vendors, including Facebook and Google, use cookies to serve ads based on a user’s prior visits to your website or other websites.
- Google’s use of advertising cookies enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the Internet.
- Users may opt out of personalized advertising by visiting Ads Settings. (Alternatively, you can direct users to opt out of a third-party vendor’s use of cookies for personalized advertising by visiting www.aboutads.info.)
We use third-party advertising companies to serve ads when you visit our Web site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.
Advertisers, as third-party vendors, use cookies to collect usage and demographic data in order to serve ads on our site. For example, Google’s use of the DART cookie enables it to serve ads to our users based on their visit to our sites and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
We have reviewed all of our advertising partners’ policies to ensure that they comply with all applicable data privacy laws and recommended data security practices.
We use the following advertisers:
Google Ad Exchange: https://policies.google.com/privacy
Google Ad Sense: https://policies.google.com/privacy
Facebook Audience Network: https://www.facebook.com/about/privacy
How we use collected information
We may use information collected from your visit to our site for the following purposes:
Customizing your experience
We may use information collected to understand how you individually or our users collectively use our site.
Site enhancement
We continually work to improve our website based on the information and feedback received from you.
Sending occasional emails
The email address you provide when contacting us through our site will be used to respond to your inquiries. You may also decide to opt in to our mailing list (if applicable). From our mailing list, you may receive emails that include content updates and related information.
How we protect your information
We exclusively use 3rd-party vendors who follow appropriate data collection, storage and processing standards and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information. While we make every effort to secure our network and systems, we cannot guarantee that these security measures will prevent third parties from illegally retrieving this information.
Sharing your personal information
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website or administrating activities on our behalf, such as sending out newsletters or surveys. We may also release your personal identifiable information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. We share Aggregate Information with our partners, service providers and other entities with which we conduct business. We communicate this type of data so that our partners can ascertain which methods and how often people use our Services and our partners’ services or websites, which allows both the improvement of their services and how our Services interact with them. Additionally, these third parties may communicate information with us about you that they have independently developed or acquired according to their own privacy policies.
Your Rights and Choices
From January 1, 2020, California residents have the following rights:
Right to Know
You have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you the categories and specific pieces of Personal Information we have collected about you, as well as the categories of sources from which such information is collected, the purpose for collecting such information, the categories of third parties with whom we share such information, and information about our sale or disclosure for business purposes of your Personal Information to third parties.
Right to Delete
You have the right to request that we delete any of your Personal Information that we have collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.
Right to Opt Out of Sale
You have the right to opt out of the sale of your Personal Information to third parties. From January 1, 2020, you can exercise this right through the “Do Not Sell My Personal Information” link on our Sites or by contacting us using the contact information provided at the end of this section. Please note we do not sell the Personal Information of minors under 16 years of age without affirmative authorization.
Right to Non-Discrimination
You have the right to not be discriminated against for exercising any of these rights.
If you would like to exercise one or more of the above rights, please contact us using the contact information provided at the end of this section. We may need you to provide additional information to verify your request, such as providing certain data elements so that we can confirm they match the Personal Information already maintained by us. We will not use this additional information for anything other than handling your request. You may designate an authorized agent to make a request in certain circumstances on your behalf. Such authorized agent must be registered with the California Secretary of State. We will endeavor to respond to all such requests within forty-five (45) days, although there may be a brief delay in processing a request while we verify that the request is valid and originates from you as opposed to an unauthorized third party. If we require more time, we will inform you of the reason and extension period in writing.
Other CA Privacy rights
Pursuant to California Civil Code Section 1798.83, residents of the State of California have the right to request, once a year, a list of all third parties to which the company has disclosed certain categories of Personal Information during the preceding year for the third parties’ direct marketing purposes, and the categories of Personal Information the company shares. To make such a request, please send an email with your first name, last name, mailing address, email address and telephone number to legal@geniusformoney.com. Please include “California Privacy Rights” in the Subject line of your email.
Consent under Applicable Laws
If you are based in the European Economic Area (“EEA”), a consent window will appear when accessing this website. If you have clicked “yes”, your consent will be stored on our servers for twelve (12) months and your data will be processed as disclosed in this privacy policy. After twelve months, you will be asked to provide consent again.
We comply with the IAB Europe Transparency & Consent Framework.
You can withdraw consent at any time. Withdrawing consent may impede your ability to access certain services and will not allow us to provide the personalized Website experience.
Contact Information
If users have any questions or suggestions regarding our privacy policy, please contact us at legal@geniusformoney.com with the Subject: Attention: Data Compliance Department.
This privacy policy is effective and was last updated on May 5, 2023.