1. Collection of Information.
1.1 Survey Information.
SMALL BUSINESS EXPERT FORUM collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes an SMALL BUSINESS EXPERT FORUM survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Websites, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, SMALL BUSINESS EXPERT FORUM or a third party (a “Third Party”) may ask an individual to provide various information to SMALL BUSINESS EXPERT FORUM, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey Information”). SMALL BUSINESS EXPERT FORUM may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to SMALL BUSINESS EXPERT FORUM or Third Party, but an individual may receive incentives from SMALL BUSINESS EXPERT FORUM or a Third Party in exchange for providing Survey Information to SMALL BUSINESS EXPERT FORUM.
1.2 Third Party List Information.
SMALL BUSINESS EXPERT FORUM collects information from individuals when an individual provides information to a third party and SMALL BUSINESS EXPERT FORUM subsequently purchases, licenses, or otherwise acquires the information from the third party (the “Seller”). Such purchased information may include, but is not limited to, an individual’s name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, “Third Party List Information”). When acquiring Third Party List Information, SMALL BUSINESS EXPERT FORUM seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to SMALL BUSINESS EXPERT FORUM and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller’s list.
1.3 Other Information.
Other occasions when SMALL BUSINESS EXPERT FORUM obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by SMALL BUSINESS EXPERT FORUM or by a third party, (2) when an individual requests assistance through SMALL BUSINESS EXPERT FORUM customer service department, and (3) when an individual voluntarily subscribes to a SMALL BUSINESS EXPERT FORUM service or newsletter (together, “Other Information”).
1.4 Cookies, Pixel Tags, and Other Info Collected Using Technology.
SMALL BUSINESS EXPERT FORUM currently uses cookie and pixel tag technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, SMALL BUSINESS EXPERT FORUM may use other new and evolving sources of information in the future (together, “Technology Information”).
A cookie is a small amount of data stored on the hard drive of the individual’s computer that allows SMALL BUSINESS EXPERT FORUM to identify the individual with his or her corresponding data that resides in SMALL BUSINESS EXPERT FORUM database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.
(b) Pixel Tags.
A pixel tag is programming code that can be used to display an image on a web page (by using an programming function (see http://truste.org for more information), but can also be used to transfer an individual’s unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows SMALL BUSINESS EXPERT FORUM to track certain web sites an individual visits online.
(c) New Technology.
The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is SMALL BUSINESS EXPERT FORUM’s use of new and evolving technology. As a result, SMALL BUSINESS EXPERT FORUM strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
1.5 Outside Information.
SMALL BUSINESS EXPERT FORUM may receive information about individuals from third parties or from other sources of information outside of SMALL BUSINESS EXPERT FORUM including information located in public databases (“Outside Information”).
1.6 Individual Information.
As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information SMALL BUSINESS EXPERT FORUM gathers or receives about individuals.
1.7 No Information Collected from Children.
SMALL BUSINESS EXPERT FORUM will never knowingly collect any personal information about children under the age of 13. If SMALL BUSINESS EXPERT FORUM obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, SMALL BUSINESS EXPERT FORUM has no such information to use or to disclose to third parties. SMALL BUSINESS EXPERT FORUM has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).
2. Use of Individual Information.
2.1 Discretion to Use Information.
THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY’S SOLE DISCRETION. The following paragraphs in Section 2 describe how SMALL BUSINESS EXPERT FORUM currently uses Individual Information, but SMALL BUSINESS EXPERT FORUM may change or broaden its use at any time. As noted below, SMALL BUSINESS EXPERT FORUM may update this policy from time to time. SMALL BUSINESS EXPERT FORUM may use Individual Information to provide promotional offers to individuals by means of email advertising, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.
SMALL BUSINESS EXPERT FORUM uses Individual Information to provide newsletters and promotional offers by email to individuals. SMALL BUSINESS EXPERT FORUM may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all SMALL BUSINESS EXPERT FORUM email lists, a person must send an email to email@example.com.
2.2(a) Solicited Email.
SMALL BUSINESS EXPERT FORUM only sends email to individuals who have agreed on the Websites to receive email from SMALL BUSINESS EXPERT FORUM or to individuals who have agreed on third party websites to receive email from third parties such as SMALL BUSINESS EXPERT FORUM. SMALL BUSINESS EXPERT FORUM does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to SMALL BUSINESS EXPERT FORUM email messages.
2.3 Profiles of Individuals.
SMALL BUSINESS EXPERT FORUM uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.
2.4 Storage of Individual Information.
SMALL BUSINESS EXPERT FORUM stores the Individual Information in a database on SMALL BUSINESS EXPERT FORUM computers and Third Party computers. Our computers and our trusted third party provider computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under SMALL BUSINESS EXPERT FORUM’s control. Not withstanding such measures, SMALL BUSINESS EXPERT FORUM cannot guarantee that its security measures will prevent SMALL BUSINESS EXPERT FORUM or its third party providers’ computers from being illegally accessed, and the Individual Information on them stolen or altered.
3. Dissemination of Individual Information.
3.1 Sale or Transfer to Third Parties.
SMALL BUSINESS EXPERT FORUM MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN SMALL BUSINESS EXPERT FORUM’s SOLE DISCRETION.
3.2 Order Fulfillment.
SMALL BUSINESS EXPERT FORUM will transfer Individual Information to third parties when necessary to provide a product or service that a person orders from such third party while using SMALL BUSINESS EXPERT FORUM web sites or when responding to offers provided by SMALL BUSINESS EXPERT FORUM.
3.3 Legal Process.
SMALL BUSINESS EXPERT FORUM may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.
3.4 Summary Data.
SMALL BUSINESS EXPERT FORUM may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting firstname.lastname@example.org. SMALL BUSINESS EXPERT FORUM may also grant advertising clients and email services providers’ access to an individual’s email address to verify the origin of the Individual Information collected.
4. Privacy Practices of Third Parties.
4.1 Advertiser cookies and web beacons.
Advertising agencies, merchants, and other companies (together, “Advertisers”) who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. SMALL BUSINESS EXPERT FORUM does not control Advertisers’ use of such technology and SMALL BUSINESS EXPERT FORUM has no responsibility for the use of such technology to gather information about individuals.
The Websites and email messages sometimes contain hypertext links to the web sites of third parties. SMALL BUSINESS EXPERT FORUM is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. SMALL BUSINESS EXPERT FORUM does not operate or control in any respect any information, software, products or services available on such third party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
4.3 Affiliated Companies.
SMALL BUSINESS EXPERT FORUM may disclose, transfer, and sell Individual Information to entities affiliated with SMALL BUSINESS EXPERT FORUM in SMALL BUSINESS EXPERT FORUM’s discretion.
5. Unsubscribe Procedures.
If you wish to discontinue receiving email messages from SMALL BUSINESS EXPERT FORUM, you have several options: (a) Unsubscribe from one email list. To unsubscribe from a particular list, either (1) send an email to email@example.com or (2) follow the instructions in each newsletter or promotional email message sent by SMALL BUSINESS EXPERT FORUM. (b) Unsubscribe from all of SMALL BUSINESS EXPERT FORUM’s email lists. We reserve the right to add Individual Information to multiple lists maintained by SMALL BUSINESS EXPERT FORUM. To globally unsubscribe from all of SMALL BUSINESS EXPERT FORUM’s lists, send an email to firstname.lastname@example.org.
6. California User Consumer Rights.
In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to email@example.com. For more information about protecting your privacy, you may wish to visit: www.ftc.gov If you have questions about this policy, please contact us at firstname.lastname@example.org