PRIVACY POLICY

When you visit our investment blog (the “Blog”) and website (the “Site” or “Website”), you trust the author (“we,” “us,” or “our”) with your personal information. We take your privacy very seriously. In this Privacy Policy, we outline what information we collect, how we use it, and what rights you have in relation to it. By using the Site, you are agreeing to the collection and use of information in the manner described in this Privacy Policy. If there are any terms in this Privacy Policy that you do not agree with, please discontinue use of our Site.

We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regard to your personal information, please contact us at phil@beyondbuyhold.com.

Please read this Privacy Policy carefully as it will help you make informed decisions about sharing your personal information with us.

INFORMATION COLLECTED

We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about the Blog, us, or otherwise contacting us. If you communicate with us by email, post messages to any of our chat groups, bulletin boards, or forums, or otherwise complete online forms, surveys, or contest entries, any personal information provided in such communication may be collected as personal information.

The personal information we may require you to provide to us in order for you to access certain services or use certain Site functionality include the following: (1) Contact Information (such as your name, mailing address, and email address); (2) Financial Information (such as your credit card information); and (3) Demographic Information (such as your zip code, age, and income). Contact Information, Financial Information, and Demographic Information shall be referred to as Personal Information.

We do not collect any Personal Information about you unless you voluntarily provide it to us. You are under no obligation to provide us with Personal Information of any kind, however your refusal to do so may prevent you from using certain features of the Site.

We may automatically collect certain anonymous information when you visit, use, or navigate the Site. This information does not reveal your specific identity (like your name or mailing address), but may include device and usage information, such as the following: IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, information about how and when you use our Site, and other technical information (collectively, “Traffic Information”). This information is primarily needed to maintain the security and operation of the Site, and for our internal analytics and reporting purposes. We also use Traffic Data for marketing purposes or for improving your experience on the Site.

Like many businesses, we also collect information through cookies and similar technologies to customize content specific to your interest.

In compliance with Children’s Online Privacy Protection Act (“COPPA”), this Site is not directed at children under the age of 13 and we do not intend to collect any personally identifiable information, such as name, home address, e-mail address, telephone number, or social security number, from children under the age of 13. If you are under the age of 13, please do not provide us with your personal identifiable information. If you have any reason to believe that a child under the age of 13 has provided us with his or her personally identifiable information, please contact us immediately for removal of that information from our databases.

USE OF YOUR INFORMATION

We use your information for a variety of business purposes described below. We process your information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.

We use information we collect or receive from you:

To send you newsletters, marketing, and promotional communications. We and/or our third-party marketing partners may use the Personal Information you send to us for marketing purposes if this is in accordance with your marketing preferences. You can opt-out of our marketing emails at any time as discussed further below.
To protect our Site. We may use your Personal and Traffic Information as part of our efforts to keep our Site safe and secure (for example, for fraud monitoring and prevention).
To enforce our terms, conditions and policies. We may use your Personal and Traffic Information in order to enforce our terms, conditions, and policies as needed.

To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the Personal and Traffic Information we hold to determine how to respond.

Processing payment. We only collect but will not use your Financial Information for any purpose. Our third-party business partner(s) will use your Financial Information to process payment.

For other business purposes. We may use your Personal and Traffic Information for other business purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Site, Blog, marketing, and your experience. We may use and store this information in aggregated and anonymized form so that it is not associated with individual end users and does not include personal information. We will not use identifiable personal information for other business purposes without your consent.

INFORMATION SHARED

We may process or share your information based on the following legal basis:

Consent: We may process your Personal Information if you have given us specific consent to use such information for a specific purpose.
Legitimate Interests: We may process your Personal Information when it is reasonably necessary to achieve our legitimate business interests.

Performance of a Contract: Where we have entered into a contract with you, we may process your Personal Information to fulfill the terms of our contract.

Legal Obligations: We may disclose your Personal Information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or subpoena (including in response to public authorities to meet national security or law enforcement requirements).
Vital Interests: We may disclose your Personal Information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situation involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

WHO WE SHARE YOUR INFORMATION WITH

We only share and disclose your information with the following categories of third parties. We have categorized each party so that you may easily understand the purpose of our data collection and processing practices. If we have processed your data based on your consent and you wish to revoke your consent, please contact us.

Vendors, Consultants, and Other Third-Party Services Providers. We may share your Personal Information with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include sharing Contact Data with business partners who assist with data analysis, data storage and security, email delivery, hosting services, customer service and marketing efforts; sharing Demographic Data with third parties who assist us with advertising; and sharing Financial Data with business partners who assist with payment processing and billing. We may allow selected third parties to use tracking technology on the Site, which will enable them to collect data about how you interact with the Site over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand online activity. We do not share, sell, rent, or trade any of your information with third parties for their promotional purposes.
Business Transfers. We may share or transfer your Personal Information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Affiliates. We may share information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES

We may use cookies and similar tracking technologies (like web beacons and pixels) through third-party advertisers to access or store information.

STORAGE OF YOUR INFORMATION

We will only keep your Personal Information for as long as it is necessary for the purposes set forth in this privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your Personal Information for longer than one (1) year.

When you provide us with your Financial Information, it will immediately be transferred to and stored with our third-party payment processing party. We will not retain any of your Financial Information in our database.

When we have no ongoing legitimate business need to process your Personal Information, we will either delete or anonymize it, or, if this is not possible (for example, because your Personal Information has been stored in backup archives), then we will securely store your Personal Information and isolate it from any further processing until deletion is possible.

HOW WE STORE YOUR INFORMATION

We will store your Personal Information on secure servers, and will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your Personal Information.

UPDATES TO THIS POLICY

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated “Last Updated” date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Policy frequently to be informed of how we are protecting your information.

HOW TO CONTACT US ABOUT THIS POLICY

If you have questions or comments about this Privacy Policy, you may email us at the phil@beyondbuyhold.com or by post at 689 Main Street, Suite 138, Walpole, MA 02081.

HOW CAN YOU REVIEW, UPDATE, OR DELETE YOUR DATA

Based on the laws of some countries, you may have the right to request access to the Personal Information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by emailing phil@beyondbuyhold.com.

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