California Privacy Notice
Updated August 8, 2019
Our mission is to simplify complex financial information and decisions so that our readers have the confidence to manage every aspect of their financial life. Your financial life is filled with personal decisions and challenges. Whether you are investing as a beginner or expert, planning your retirement, buying a home, studying for an exam in business school, or running a small business you have questions that need answering. For over 20 years, we’ve helped hundreds of millions of people do just that. We feel it’s important to share how we go about writing all of the articles that you depend on.
Empowering: Finance can be complex and intimidating. We provide you with information that you can use with confidence, whatever your level of experience.
From financial product recommendations to the financial implications of government policy we put things in context and provide all the facts. Our information is carefully researched and is not written to support any specific economic or political viewpoint.
Having accurate financial information, presented clearly and updated regularly is of the utmost importance to us. We seek out and work with the most qualified experts across every topic we cover. Any mistakes, inaccuracies or misrepresentations identified by our readers are investigated and corrected promptly. Please contact us for corrections
We work to ensure that our content serves—and depicts with dignity and respect—people of different ages, nationalities, religions, gender identities, sexual orientations, ethnicities, relationship statuses, physical and mental abilities, and family types.
Investopedia content is for informational purposes and is not intended to substitute for the advice of a licensed or certified attorney, accountant, financial advisor, or other certified financial professionals.
Our staff of editors and network of expert contributors write and manage all the articles you find on Investopedia. We don’t make recommendations for you to buy, sell, or hold securities or investments. We do, however, provide relevant analysis, context, insights, and educational information to help you make smarter, better-informed decisions. Wherever possible we provide examples that help put complex topics and concepts into perspective.
Our editorial team is continually evaluating the articles across our site to flag any that contain information that is known to be or is likely to be out-of-date. Such articles are reviewed and updated or, if necessary, completely rewritten, rechecked, and re-edited. Our network of experienced experts, who uphold our process and policies, assist with our updating efforts. Articles that have been updated are date-stamped to reflect this.
Every article you see has multiple people behind it, continually working to make sure that it is responsible, accurate, understandable, helpful, and reflective of our editorial principles.
Our editorial team
approves all story ideas independently, and our expert contributors each have deep subject matter expertise in the topics that we assign them. Our team of professional editors, fact checkers, and producers review content to ensure it upholds our values of being empowering, inclusive, unbiased, and accurate.
All staff are responsible for disclosing any potential conflicts of interest.
Investopedia is committed to telling readers when an error has appeared, and to correcting it. This transparency applies to small and large mistakes, including news, but only if an error was made at the time of original publication. Corrections will be clearly noted on the page. When our journalism is factually correct, but the language is not as clear or detailed as necessary, the story may be updated without an editor's note. Please report possible errors to firstname.lastname@example.org.
Investopedia experts are carefully recruited, vetted, and chosen. Some are experienced financial writers, others are experts in particular aspects of finance; many are both. They are selected for their knowledge and their skill at communicating complex topics in clear, accessible, actionable language.
Every article’s author or reviewer is listed at the top of the page, to the left of the date, and is linked to their biography, which you can click on to learn more about their credentials, education, professional experience, and social media presence. All writers are required to uphold the editorial guidelines listed above.
Third-party content is carefully reviewed by the Investopedia editorial team to ensure that it is aligned with our policies and standards. Any such content is labeled clearly and conspicuously to notify you of its source.
Updated June 12, 2020
Investopedia accepts advertising, but maintains a strict and clear separation between advertising and editorial content. Special attention is paid to featuring advertising in a way that will not interfere with your reading experience. This relates to both page design and to the number of ads we choose to feature on a page. Investopedia maintains a distinct separation between advertising and editorial content.
- All advertising or sponsored content on Investopedia is clearly and unambiguously distinguished from editorial content through borders or other distinguishing elements and/or identified as an "Ad," "Advertisement," "Sponsored" or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
- All ads on Investopedia are labeled as an "Ad," "Advertisement," "Sponsored" or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
- All "native" ads or paid content are identified as an "Ad," "Advertisement," "Sponsored" or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
- Editorial content on Investopedia is not influenced by advertisements unless the content is sponsored content, in which case, the content will be clearly demarcated and identified with the title "Ad," "Advertisement," or "Sponsored", or a similar designation, indicating that the content is being provided by or on behalf of an advertiser or sponsor.
- In some cases, editorial may include links to partners for which Investopedia receives an affiliate commission (See ‘How We Make Money’ for more details). The placement of these links is not influenced by payment, and editorial reserves the right to change, modify or remove them at any time in order to provide the best experience to users.
The way that we're able to offer over 30,000 articles of great content on our website for free is by partnering with advertisers and affiliate partners who are looking to reach consumers. This can take a number of different forms, and we'll walk through those below. It's important to note that we maintain strict editorial independence for all of our content, particularly on reviews and recommendations. If a product is great, we'll tell you even if we don't have an advertising relationship. If we think a product is bad, we'll tell you that, even if we DO have an advertising relationship with them. While we do recommend and review products regardless of any advertising relationships, we may not have reviewed every product available in a given category.
Affiliate Links to AdvertisersIn some cases we may have an affiliate relationship with a product that we review, and so when you click on an "Open Account" button or sometimes a hyperlink on the product's name in those cases we may receive compensation either when you click on it it or if you decide to sign up for the product. Whether or not we have an advertiser in place does not change the placement of the button or whether there's a link for you to go to their website. Example of a broker review with a product card featuring an Open Account button, for which we may receive compensation when you click it or if you sign up for the product.
Comparison/Rate Tables Featuring Advertisers
On some review/recommendations we may include a comparison table of products that are offers from advertisers. While we do work hard with partners to try and surface the best paid offers possible in these comparison tables, it's important to note that they are NOT editorially selected. Here's an example of what that can look like, notice the Advertising Disclosure link in the top right corner:
Comparison tables featuring advertisers will always have their own Advertising Disclosure on them.
Some review/recommendations may include display advertising on them, which will be labelled as advertisements and are easily recognized.
Example of traditional display advertisements on a bank review.
Updated February 26, 2020
Information You Provide To Us: You may provide personal information to us, if you choose to:
- submit a help request, a customer services inquiry or other inquiry to us, or fill in any other forms for the purposes of receiving our Services;
- participate in some of the features accessible via the Services (for example, message boards, games, surveys, polls, promotions, contests, sweepstakes or other incentives);
- participate in any Services that require registration;
- enroll in any of our Webinars and/or Courses;
- contact us about employment opportunities;
- otherwise use the Services in a manner that you have requested.
Depending on which of these or any other Services you use, the personal information you provide may include:
- personal details (e.g. name, date of birth, professional title, company name, and household income, investment interests, retirement information, information about your educational background);
- contact details (e.g. phone number, email address, postal address, or mobile number);
- account details (e.g. user name and password);
- transaction details (e.g. when you make a purchase or respond to offers);
- communications (e.g. when you participate or post material in message boards or forums, participate in polls or surveys, write a review or provide a testimonial, or contact us with a question, comment, or request); or
- professional information (e.g. if you are a Financial Advisor participating in our Advisor Insights program, information about your credentials, including, without limitation, broker CRD number, professional website URL, biographical information, licences and designations, and profile picture).
Please be aware, that by posting information to message boards, chat groups, or social networking facilities available via the Services, you will be making this information available to other users of these Services to the public. You should be careful about revealing any sensitive details about yourself. If you purchase Courses through the Investopedia Academy, please note that we do not currently collect or retain credit card numbers internally. We partner with third party payment providers. All direct payment gateways are required to adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements are intended to promote the secure handling of credit card information. We also have features that allow you to send an email to yourself and/or others about an item on our site. If you choose to use our email referral service, you will be required to provide the e-mail address or addresses that will be used in the notification. Upon form submission, an email will be generated to your recipient(s) inviting them to visit the URL you have recommended. We do not store this information other than for the sole purpose of sending this one-time e-mail. Information Collected Via Automated Technologies and Interactions: When you use the Services, we may automatically collect information via automatic means about your computer or device, your preference settings, your location, and your activities, including:
- IP address of your computer;
- Unique mobile device identifiers;
- Technical information about your computer or mobile device such as type of device, mobile device ID number, screen resolution, web browser information, and operating system or platform;
- Your preferences and settings (time zone, language, etc.);
- Internet provider or mobile carrier name;
- The URL of the last webpage you visited before visiting the Website;
- Information about your activity on the Services (e.g., your search queries, mis-formatted DNS entries, search results selected, clicks, pages viewed, search history, comments, forms filled out and submitted, how often you use the Services);
- Information we generate as a result of your use of the Services (e.g. our understanding of your interests as a result of your use of the Services and whether you are a regular or occasional user of the Services); and
- If you are using a mobile device, your mobile device’s geographic location (specific geographic location if you’ve enabled the collection of that information, or general geographic location automatically). Please see the section “Mobile Device Location Information” below for further information.
Third-parties who provide us with products and services may also place cookies, ad tags and/or beacons that collect the information outlined above in order to provide us with products and services including:
- Analytics tools (e.g., Google Analytics) allowing us to analyze the performance of our Services.
- Service features and functionalities such as those that enable videos to be played and you to connect to your social media accounts.
- Advertisers and ad networks allowing the delivery of targeted advertisements.
These third parties may also collect information about you from other sources and combine it with other information collected about you from third party websites not affiliated with us. For example, advertiser and advertising networks, as well as data analytics companies who service them, may participate in online behavioral advertising and track your activity across various sites and/or devices where they display ads and record your activities, so they can show ads that they consider relevant to you. Do Not Track:
Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.
We may use the information we collect from and about you for the following purposes:
- Identification and authentication: We use your identification information to verify your identity and/or eligibility for our Services when you access and use our Services and to ensure the security of your personal information. This is so we can comply with our obligations to you.
- Improving our Services: We analyze information about how you use our Services to provide an improved experience for our customers, including product testing, site analytics, and personalizing content to your interests. It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand any issues with our Services and improve them.
- Understanding our users: We also analyze information about our users in order to understand our users (their demographics, what you do on our Services, what features you like, how they use them etc.). It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand our users and improve our Services.
- Operating the Services: We process your personal information to administer our Services, diagnose technical problems, provide customer support, complete your transactions, and otherwise manage our business. This is so that we can comply with our contractual obligations to you.
- Communicating with you: We may use your personal information when we communicate with you, for example, if we are sending you communications that you have requested, communications which relate to Services you have purchased or enrolled in, which may be of interest to you in accordance with your preferences if we are providing information about changes to the terms and conditions, if you contact us with questions, or to provide you with customer support. It is in our legitimate interests that we are able to provide you with the appropriate information, responses, and provide you with notices about our Services. Please see the section “Reviewing, changing, or deleting information” for further information about how you can control these communications.
- Marketing: We may use your personal information to build a profile about you and place you into particular marketing segments in order to understand your preferences better and to appropriately personalize the marketing messages we send to you. It is in our legitimate interest to provide you with more relevant and interesting advertising messages and inform our marketing strategy. We may use automated decision-making to deliver tailored advertisements based on your personal information. Where necessary, we will obtain your consent before sending such marketing messages.
- Complying with our obligations: We may process your personal information in order to, for example, carry out fraud prevention checks or comply with other legal or regulatory requirements, where this is explicitly required by law.
- Customizing your experience: When you use the Services, we may use your personal information to improve your experience of the Services, such as by providing interactive or personalized elements on the Services and providing you with content based on your interests. We may use automated decision-making to customize your experience based on your personal information.
- Compensating our partners: We may process your personal information for purposes of calculating compensation to be paid to our third-party product/service providers and distributors and to analyze usage across products, services, and distribution partner/channel. It is in our legitimate interest to appropriately determine amounts to be paid to our partners and inform our product roadmap and distribution strategy.
- Delivering prizes: may use your personal information to deliver prizes in connection with contests and sweepstakes, deliver perks earned in connection with certain incentive programs, or otherwise facilitate the use of our Services.
- In Connection with Webinars and Courses: In addition to the uses described above, if you are enrolled in and/or take any of our Webinars and/or Courses, we may use the registration information you provide, including personally identifiable information, to use through your Account for managing and processing purposes, including but not limited to tracking attendance, progress and completion of Course and/or Webinar. As part of our management and processing of each Course and/or Webinar, we may use this information to proctor exams, projects, and other assessments for each Course and/or Webinar. For example, as part of a Webinar that provides CE credits, we will use certain information collected from you in order to verify your identity or to monitor your performance during the exam to confirm that you are abiding by the rules or requirements for obtaining CE credits. We may share such information that we collect from you when you participate in a Course with the company (if any) and/or lecturer(s) who provided, taught, managed, sponsored, or otherwise oversaw that Webinar or Course, and, where applicable, you will be subject to such third party’s privacy policies; and (ii) that third party may use the personally identifiable information you provide for its own marketing purposes. If you do not want us to share your personal information with these companies, please contact us at email@example.com.
We may also aggregate and de-identify your information in such a way that you may not reasonably be re-identified by us or any other company, and may use this information for any other purpose. 3. How We Share The Information We Collect
We will not share the personal information we collect about you with any third party except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We will share your information in the following ways:
- Our suppliers, subcontractors, and business partners: (“service providers”): We may share your data with our services providers and business partners who perform marketing services and other business operations for us for the purposes set forth above. For example, we may partner with companies to process secure payments, fulfill orders, optimize services, serve online behavioral advertising, send newsletters and marketing messages, support email and messaging services, and analyze information. These service providers are required to treat the data in accordance with confidentiality requirements.
- Service requests: We enable you to request information and/or services from third-party service providers or partners by filling out a registration, information request, or similar service request form for specific services from them (e.g., filling in a sponsored partner’s form to identify your retirement risk profile and/or submitting a request with such information for more information from that partner or another party). When you fill out and submit a service request form through our Website, you consent to our providing your personal information and request to the third-party provider and/or partner. Sharing this information with the party provider and/or partner allows them to contact you using the contact information you provided. Additionally, we have other contractual partners that that utilize their own service provider to supplement our offering, and we share your information with them in order to attempt to provide the services requested.
- Webinars/Courses: We may share certain information with third parties that enable us to provide you the Webinars and/or Courses. For example, but not as a limitation, our Webinar and Course platforms may be hosted by third parties who will use your information to allow you to access the Webinar and/or Course. We also use third-party payment providers who will use your information to process payment, subject to their own privacy policies. Additionally, for any continuing education eligible Webinar, we will share information provided to us as well as information regarding your completion of such Webinar with the organization issuing continuing education certificates, including without limitation, for the purpose of verifying your eligibility for the continuing education credits. We may also use third party customer service platform providers in order to help us provide customer service capabilities in connection with your use of one or more of our Services, including without limitation the Webinars and/or Courses.
- Group Companies: We may share your information with our affiliates, which are entities under common ownership or control of our ultimate parent company, IAC/InterActiveCorp for marketing purposes, security, optimization of products and services, and internal reporting. We do this for the purposes set out above.
- In the context of a transaction: we may share your personal information with potential transaction partners, service providers, advisors and other third parties in connection with the consideration, negotiations, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell or transfer or all or a portion of our assets or business. In such an event, we will seek to provide you with commercially reasonable notice, e.g., via email and/or notice on our website, of any change in ownership, incompatible new uses of your personal information, and choices you may have regarding your personal information.
In order to make such a request of us, please email us at firstname.lastname@example.org
5. Your Rights and Your Privacy Choices
You have certain rights regarding the personal information we hold about you, subject to local law. These may include the rights to access, correct, delete, restrict, or object to our use of, or receive a portable copy in usable electronic format of your personal information. You may also have a right to lodge a complaint with your local data protection or privacy regulator.
We may be required by law to collect certain personal information about you or as a consequence of any contractual relationship we have with you. Failure to provide this information may prevent us from providing certain Services or all of the Services to you.
Online behavioral advertising:
You may opt-out of third-party advertising-related cookies, pixel tags, and web beacons, in which case our advertising should not be targeted to you. You will continue to see advertisements on the Website. However, they will not be tailored to you. You can choose to opt-out through these (and other) websites:
- Network Advertising Initiative (http://www.networkadvertising.org/)
- Digital Advertising Alliance (http://www.aboutads.info/consumers)
- Your Online Choices (http://www.youronlinechoices.com/)
- Advertising: When using a mobile application you may receive tailored in-application advertisements. Each operating system, iOS for Apple phones, Android for Android devices, and Windows for Microsoft devices provides its own instructions on how to prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact the applicable platform operator. We do not control how the applicable platform operator allows you to control receiving tailored in-application ads; thus, you should contact the platform provider if the above options are no longer available. Note that you may opt out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices
- Location Information: When you use one of our location-enabled services (for example, when you access Services from a mobile device), we may need to collect and process information about your specific GPS location (including the latitude, longitude or altitude of your mobile device) and the time the location information was recorded, and we may use that information to customize the Services with location-based information, advertising, and features. Some of these services require your personal data for the feature to work and we associate location data with your device ID and other information we hold about you. You can stop your location information from being collected by disabling this function within the settings available on your device. In connection with currency conversion functionality found on our site (if applicable), "By using our website, you (the visitor) agree to allow third parties to process your IP address, in order to determine your location for the purpose of currency conversion. You also agree to have that currency stored in a session cookie in your browser (a temporary cookie which gets automatically removed when you close your browser). We do this in order for the selected currency to remain selected and consistent when browsing our website so that the prices can convert to your (the visitor) local currency."
We encourage you to contact us at the contact information set forth below to update or correct your information if it changes or if the personal information we hold about you is inaccurate. Where you have provided your consent to any use of your personal information, you can withdraw this consent at any time. Please note that we may require additional information from you in order to honor your requests. If you would like to discuss or exercise any rights you may have under law, please contact us at the contact information set forth below. 6. Automated Decisions About You
When you use the Services, we may make automated decisions about you based on your personal information in the following circumstances:
- To deliver personalized offers, discounts, or recommendations based on your shopping history, viewing history, and browsing history, and
- To serve you with ads based on various factors such as the content of the page you are visiting, the information you provide such as your age or gender, your searches, demographic data, user-generated content, and other information that you provide to us. These ads may be based on your current activity or your activity over time and may be tailored to your interests.
7. Right to Access, Review, Change or Delete Information To access, review, change, or delete the personal information we have collected from you, please visit our Privacy Center page and send a message to our Support team. To make changes to your account, you may also login
to your account and visit the Manage Profile
Your specific rights regarding access, review, revision, or deletion of your information is dictated by local laws. Legal rights applicable to personal data collected in the EEA.
Pursuant to the EU General Data Protection Regulation (Regulation 2016/679)
natural persons (called data subjects) are afforded certain rights regarding their personal data, including the right access, correct, delete, restrict or object to our use of, and receive a portable copy in a usable electronic format of your personal information. You also have the right to withdraw any consent that you have previously provided to us and to lodge a complaint with your local data protection or privacy regulator.
If you would like to exercise any of the rights outlined above, and the law of your jurisdiction requires us to honor that request, please send your request in writing to the address in the “Contact Us” section below. To assist us in processing your request in a timely manner, please make your request in English if you are able to do so. Your request should include any information relevant to your request, including, without limitation: (i) your name, email, and postal address; (ii) the specific right you are asserting (e.g., removal); and (iii) if you are requesting removal, a brief explanation of why you believe such information should be removed. To help us prevent fraudulent removal requests, please also include a legible copy of a document that verifies your identity. You need not provide a government-issued document; a utility bill or similar mailing will suffice. You may also obscure parts of the document such as identifying numbers so long as the document continues to clearly identify you. If you are making the request on behalf of another person, please indicate your relationship to that person and provide evidence of your authority to make such a request. All requests for removal will be reviewed by Investopedia’s legal and compliance team and we reserve the right, in compliance with applicable laws, to accept or reject, or make further inquiries regarding, any requests. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. 8. How We Protect Your Information
9. Retention of Your Information
We retain the information we collect about and from you for as long as necessary to fulfill the purpose we collected it for and for the purpose of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for the personal information we process, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your information, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, accounting, or reporting requirements. In some circumstances, we may choose to aggregate and de-identify your information in such a way that you may not reasonably be re-identified by us or any other company in which case we may use this information indefinitely without further notice to you.
In some circumstances, you can ask us to delete your data: see Right to Access, Review, Change, or Delete Your Information. 10. Use Outside the United States of America
11. Linked Sites and Advertisements
12. Notice to Nevada Residents
13. International Data Transfer
In compliance with the EU-US and Swiss-US Privacy Shield Principles, Investopedia commits to resolve complaints about your privacy and our collection or use of your personal information. European Union or Swiss individuals
Investopedia has further committed to refer unresolved privacy complaints regarding the Website or mobile applications under the EU- US and Swiss-US Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, a non-profit alternative dispute resolution provider located in the United States and, operated by the Council of Better Business Bureaus. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed by us, please visit the BBB EU PRIVACY SHIELD
web site for more information and to file a complaint.
If you have questions or concerns regarding the way in which your personal information has been used, or if you want to opt-out of having your personal information shared with third parties or for any purpose that is materially different than the purpose you shared it with us please send a request to the following address with a preference on how our response to your request should be sent (email or postal mail).
Attn: Your Privacy Rights
119 West 40th Street, 8th Floor
New York NY email@example.com
All requests sent via regular mail must be labeled "Your Privacy Rights" on the envelope or postcard and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code (your street address is optional if you wish to receive a response to your request via email. Please include your zip code for our own recordkeeping). Investopedia is the controller (as provided under the laws applicable to EEA jurisdictions) responsible for all the personal information we collect and process. We are represented in the EU by our affiliate, IAC Search & Media UK, Ltd., which can be contacted at: If you have questions or concerns regarding the way in which your personal information has been used, or if you want to opt-out of having your personal information shared with third parties or for any purpose that is materially different than the purpose you shared it with us please send a request to the following address with a preference on how our response to your request should be sent (email or postal mail). About, Inc.
Attn: Your Privacy Rights
1500 Broadway, 6th Floor
New York, NY firstname.lastname@example.org
All requests sent via regular mail must be labeled "Your Privacy Rights" on the envelope or postcard and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code (your street address is optional if you wish to receive a response to your request via email. Please include your zip code for our own recordkeeping). Investopedia is the controller (as provided under the laws applicable to the EEA jurisdictions) responsible for all the personal information we collect and process. If you have questions or concerns regarding the way in which your personal information collected in the EEA is processed or transferred, please contact us at the address set forth above. We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you may have the right to make a complaint to the data protection authority of your country of residence. California Privacy Notice
Updated February 26, 2020
This California Consumer Act Privacy Notice (“CCPA Notice
”) applies to “Personal Information” (PI) of “Consumers” as defined by the California Consumer Privacy Act (“CCPA
. Further, you can learn more about your choices regarding certain kinds of online interest-based advertising with the Digital Advertising Alliance
or the Network Advertising Initiative
. We do not represent that these third-party tools, programs or statements are complete or accurate.
Some browsers have signals that may be characterized as do not track signals, but we do not understand them to operate in that manner or to indicate a do not sell expression by you, so we currently do not recognize these as a do not sell request. We understand that various parties are developing do not sell signals and we may recognize certain such signals if we conclude such a program is appropriate. California Consumers have the right to exercise privacy rights under the CCPA. California Consumers may exercise these rights via an authorized agent who meets the agency requirements of the CCPA. Any request you submit to us is subject to an identification and residency verification process (“Verifiable Consumer Request
”). Please follow the instructions at our Consumer Rights Request page here
and respond to any follow up inquiries we may make. In order to verify your identity, we will send you an email to the email address that you provide to us, and you must take action as described in our email. This will enable us to verify that the person who made the request controls and has access to the email address associated with the request. We will check our systems for the email address that you provide, and any information associated with such email address. If you provide us with an email address that has not been used to interact with us, then we will not be able to verify your identity. In other words, the only reasonable method by which we may verify the identity of individuals is if we have an email address on file that was provided to us in relation to our services. We will be unable to fulfill your request if we cannot verify your identity.
Some personal information we maintain about Consumers is not sufficiently associated with enough personal information about the Consumer for us to be able to verify that it is a particular Consumer’s personal information (e.g., clickstream data tied only to a pseudonymous browser ID). As required by the CCPA, we do not include that personal information in response to Verifiable Consumer Requests. If we cannot comply with a request, we will explain the reasons in our response. We will make commercially reasonable efforts to identify Consumer PI that we collect, process, store, disclose, and otherwise use and to respond to your California Consumer privacy rights requests. We will typically not charge a fee to fully respond to your requests, but we may charge a reasonable fee, or refuse to act upon a request if your request is excessive, repetitive, unfounded, or overly burdensome. To make a request according to your rights to know or to request the deletion of your PI set forth below, please click here
, where you will find a description of the process we use to verify your request and any information that we will need to confirm your identity. For your specific pieces of information, as required by the CCPA, we will apply heightened verification standards, which may include a request to provide further information.
You have the right to send us a request, no more than twice in a twelve-month period, for any of the following for the period that is twelve months prior to the request date:
- The categories of PI we have collected about you.
- The categories of sources from which we collected your PI.
- The business or commercial purposes for our collecting or selling your PI.
- The categories of third parties to whom we have shared your PI.
- The specific pieces of PI we have collected about you.
- A list of the categories of PI disclosed for a business purpose in the prior 12 months, or that no disclosure occurred.
A list of the categories of PI sold about you in the prior 12 months, or that no sale occurred. If we sold your PI, we will explain:
The categories of your PI we have sold.
- The categories of third parties to which we sold PI, by categories of PI sold for each third party.
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Updated May 25, 2018
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In the event that Investopedia makes available reviews of online brokers (each a “Review” and together the “Reviews”), the below applies in addition to the rest of the terms of these TOU. You understand and agree to receiving communications from Investopedia, including as set forth in the “Communications” section of this TOU. Investopedia reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Reviews.
For Informational Purposes Only. Each Review is provided for informational purposes only. Information may not be applicable for each state/province/territory and/or jurisdiction. Investopedia cannot guarantee that any information provided in a Review will be accurate, complete, and/or current. We make no representations or warranties regarding the quality of the Review content. You may not reproduce, upload, transmit, distribute, publicly display, sell, publish, copy, or otherwise use the Review, and/or any content or materials provided in connection with any Review for any commercial purpose without Investopedia’s express written consent. The publication by Investopedia of any Review is not and shall not be deemed an endorsement or recommendation of that broker by Investopedia and the views expressed in any Review are those of the Reviewer and not Investopedia. The information contained in a Review may be different from the information provided when you visit the website of a financial institution, service provider or specific product. When evaluating online brokers, please review the online broker’s own terms and conditions. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by online brokers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by online brokers are the best available. We are not involved with and are not responsible for any fee arrangement that you may enter into with any online broker or other service provider. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a service provider’s products or services. Investopedia may receive compensation from online brokers when a user applies or gets approved for a financial product through our Website. Compensation may influence which products and brokers we review and write about, and whether products appear on our Website. The Website does not purport to feature every online broker or financial product available on the market. Exam Preparation Materials
In the event that Investopedia makes available study guides and other exam preparation information, including study guides and/or links to such materials on third party sites (collectively the “Exam Prep”), the below applies in addition to the rest of the terms of these TOU. You understand and agree to receiving communications from Investopedia, including as set forth in the “Communications” section of this TOU. Investopedia reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Exam Prep material.
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Advertisers Are Not Endorsed
Though we seek to partner with quality companies, we are not responsible for the claims or representations made by advertisers and sponsors. Investopedia does not review, endorse or recommend the products or services of any company mentioned on our Site. We will not be liable in any way for damages of any kind resulting out of the misuse of any personal information or data submitted by you to an advertiser or sponsor.
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When you visit our Site, use any of our Services, or send us an email, you expressly indicate your consent to electronically receive any and all communications, notices, and our disclosures that we may provide in connection with your use of the Site and/or Services, including, without limitation, e-mail, in-app, and in-website chat communications. All agreements, notices and communications that we provide to you by email will satisfy all legal requirements that they be in writing and delivered to you. Investopedia will have the right to disclose any email sent by a User, or any objectionable material, to comply with legal process or to protect the rights or property of Investopedia, its customers, suppliers and Users. Any such notices may also include emails with promotional, marketing, and advertising information and recommendations that we believe may be of interest to you, in accordance with applicable law. Consistent with federal CAN-SPAM or anti-spam laws, if you do not wish to receive commercial emails, you may unsubscribe following the instructions on any email, excepting that we may still send you administrative and transactional notices, including, without limitation, information about your Account, confirmation of your registration for Courses, information about your progress, or other services that may be necessary to provide you with any one of the Services.
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Reporting Copyright Infringement. Investopedia takes claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. For U.S. users, if you believe any materials accessible on or from the Site infringes your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to our Copyright Agent (designated below). In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512) ("DMCA
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The failure by a User or Investopedia to exercise any right or to enforce any provision of this TOU shall not constitute a waiver of such right or provision. If any provision of this TOU is found by a court of competent jurisdiction to be invalid or unenforceable, the court shall give effect to the intentions reflected in the provision to the degree possible, and the other provisions of this TOU will remain in full force and effect. The parties have agreed that this contract and all related documents be drafted in English. Les parties aux présentes ont demandé et convenu que le présent contrat et tout document y afférent soient rédigés en anglais. Investopedia, LLC119 West 40th StreetNew York, NY 10018
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