This web page represents a legal document that serves as our Privacy Policy and it governs the legal terms of our Website, Brokers&Banks (https://www.brokersandbanks.com), sub-domains, and any associated web-based and mobile applications (collectively, “Website”).
By accessing this website, you are agreeing to be bound by these Website Terms of Use, Privacy Policy, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this website.
We recently made changes to our operations to incorporate the new General Data Protection Regulation (GDPR). Please read below to get a better understanding of how we address and handle personal information in accordance with our services.
This policy also describes your data protection rights, including your right to be forgotten and excluded from communication. You will also find more in-depth information about your rights and how we use cookies or similar technology in this notice.
We clearly state that our product is for adults over the age of 18 and we never target minors. We do not knowingly collect personal data from anyone underage.
Who’s in control of your information?
We take the privacy of our users seriously and are committed to keeping your data safe. By visiting our Website you are accepting the terms of this privacy statement.
Some information may be held in databases that are managed by third-party companies. All third-party companies we use are compliant with the standards set out in this privacy notice.
Any external links to other websites or our affiliate partners are clearly identifiable as such, and we are not responsible for the content or the privacy statements of external websites.
When do we collect information?
We collect personal data when you interact with our services and products, register for newsletters, complete online forms, set up user accounts and make comments or submit reviews on any of our platforms.
Personal information you provide us
We collect personal data for direct marketing and for communicating to our users of online community services. The types of information we collect after receiving prior consent include:
- Personal identification information such as name, date of birth and gender
- Contact information such as email address and telephone number
- Demographic information such as postal address
You can find out more about our direct marketing services below.
Information we collect automatically
The automatic data we collect is in the form of Cookies generated from using our services and includes:
- Online web analytic information related to the browser, device or operating system you use to access our Services;
- IP addresses, the website you visited from, pages viewed on our site, date and times of visits, time spent on each page, pages viewed, and external links clicked on.
You can find out more about how we use cookies below.
How do we use this information?
We only use personal data for reasons that are related to our business operation and will always respect your privacy. We collect information when you use our services to help conduct our business and pursue our legitimate interests, such as to improve our products, content, services and execute web analytics.
We use this information for the following purposes:
- to prevent you from seeing unnecessary advertisements or requiring you to re-enter the Website more than is necessary;
- to calculate the aggregate number of people visiting our Website and which parts of the Website are most popular;
- to improve the content of our web pages and to customize the content and layout of our pages;
- to deliver the information you request from the Website, such as an article, news, review, analysis etc;
Who will we share this data with, where and when?
We work with third parties to provide a service and the companies may need to access personal data to process it on our behalf. Broker&Banks follows measures to protect your best interests when transferring information outside of the EU, only working companies with a good reputation and appropriate Privacy Shield accreditation. The EU Commission approves the transfer of information outside the EEA to an entity that has a Privacy Shield certification.
- We use Google Analytics, a web analytics service provided by Google Inc. (1600 Amphitheatre Pkwy. Mountain View, CA 94043) to help us understand how users use our services.
- Our corporate news distribution and subscription lists are managed by Mailchimp (Ponce City Market, Atlanta, Georgia, U.S.).
- Our email marketing tool is provided by AWeber Systems (1100 Manor Dr, Chalfont, PA 18914, USA). AWeber is Privacy Shield certified.
- Our visitor behavior tool is provided by Hotjar (Level 2, St Julian’s Business Centre, 3, Elia Zammit Street, St Julian’s STJ 1000, Malta, C 65490).
- We sometimes provide push notifications that are supplied by OneSignal (2194 Esperanca Avenue, Santa Clara, CA 95054 USA).
We will share your personal data if we believe that we are required to disclose to comply with any applicable laws, a court or regulatory order, or any other statutory legal requirement. We will never sell, trade, or transfer personal information to third party companies, without receiving prior consent outside of the parties mentioned above.
Direct Communication
We send newsletters and promotional content to our users who have supplied us with an email address, confirmed they are over the age of 18 and double opted-in to receive emails.
We sometimes use tracking methods to establish if our emails have been received or opened and this helps us asses the relevance of our messaging. We take steps to limit communication to a reasonable level, only sending messages of interest and relevant to you, based on the information we have.
Our direct marketing database is managed by AWeber and we never store any personal information for direct marketing purposes. Find out more about AWeber’s Privacy Shield certification how they protect your personal information here.
You can opt-out of emails or direct marketing at any time. You can do this by clicking on the unsubscribe link at the bottom of our emails, or by contacting us using the details below.
Online Communities
When creating a user profile, we ask for certain personal information to create user profiles for individuals accessing our community services. When creating a user profile, we ask for a username, password, name and email address.
We only collect information that is necessary, so that we can identify users who provide user-generated content and ensure their content can be attributed to their account. Every new account is always double verified via the email address provided. All personal information collected is treated confidentially and will never be shared with third parties. You can request to have your account deleted by contacting the email address below.
Social Media
If you contact us via one of our social media accounts, we might keep a record of your display name. We use this to communicate with you and keep an accurate record of our discussion. We might also analyze public information posted on social media sites to help us better understand how our users interact with and discuss our services.
What rights do I have?
You have the right to request a copy of your personal data and explanation on how we process it. You may inform us of any changes in your personal data, and in accordance with our obligations under the GDPR, we will ensure the data is correct, delete or stop processing (in particular, where our legitimate interest to store personal data has no legal basis or where we are using the data for direct marketing).
You can get in touch with us using the details set out below regarding any of the above. If you have unresolved concerns, you have the right contact an EU data protection authority where you live, work or where an issue may have occurred.
How long do we retain data?
We will not hold personal data for any longer than is necessary to operate our services or until we receive a request to delete data. We will review our databases on a periodic basis, and delete data that is outdated, inaccurate, or no longer necessary.
Security
We have implemented physical, electronic, and managerial procedures designed to help prevent unauthorised access, to maintain data security, and to use correctly the personal data we collect online.
Although we take appropriate measures to safeguard against unauthorised disclosures of personal data, we cannot assure you that your personal data will never be disclosed, altered or destroyed in a manner that is inconsistent with this privacy notice. We are also not responsible for any data breaches coming from third-party data processors.
Cookies
We store information on your device or within your browser when you use our website, known as cookies. Cookies are small files of non-personal information saved to your computer’s hard drive and linked to your web browser and your online activity.
Cookies allow us to understand and remember specific preferences based on your previous and current activity, allowing us to deliver a more personal experience when using our services. We also use cookies to collect online browsing, website traffic and site interaction data.
We process this data via third-party tools (namely Google Analytics) and evaluate the results to help improve our services. We store analytic cookies for 36 months.
How can I manage Cookies?
You can manage cookies within the settings of your preferred web browser. For example, you can stop accepting new cookies, delete old cookies, set notifications to flag each time a cookie occurs, or choose to disable cookies altogether.
The help menu of most browsers will explain how you can modify your cookies. If you are using a mobile application, then you can change your consent by following the relevant application’s instructions on privacy.
Changes to this Privacy Policy
This privacy policy was last updated on September 25th 2020.
From time to time, we may update our privacy policy notice. We encourage you to periodically check back and review this notice so that you know what personal data we collect, how we use it, and how we handle it.
