Effective Date: Jan. 1, 2007.
What information we collect and how it is used
Passive Data Collection and Use
Like most Web sites, INTERNETBANKINGFACTS.COM also collects and logs information automatically and through the use of electronic tools that may be transparent to you, such as your IP address, the name and location of your Internet Service Provider, the type and version of your browser, the length of time that you stay on INTERNETBANKINGFACTS.COM, search queries, your click-stream data, the location that referred you to INTERNETBANKINGFACTS.COM and the average number of pages viewed. If you visit another website prior to browsing INTERNETBANKINGFACTS.COM, that website might place personally identifiable information within a URL, which may be logged by us. Your IP address is the identifier assigned to your particular computer when you access the Internet. Depending on how you connect to the Internet, your IP address may always be the same, or it may change each time you access the Internet. Note that logging your IP address does not in and of itself provide us with your name, e-mail address or home or work address. We use this log information for systems administration and troubleshooting purposes and may also use it to gather general demographic information about you such as your general location and your Internet Service Provider. In order to better provide our services to you and to develop member profiles that enable us to focus our site, services and advertisements on your interests, we may correlate this log information with other information about you, such as your registration information or newspaper subscription records.
Use of Personally Identifiable Information
Use of Aggregated information
In order to describe our services to prospective partners, advertisers and others, we may use your Personally Identifiable Information to create a compiled, aggregate view of the INTERNETBANKINGFACTS.COM audience and their usage patterns. We use Aggregated Information to operate our services and to better understand our audience as we develop new content and services. Aggregated Information may also be shared with third parties we contract with to provide content and services on INTERNETBANKINGFACTS.COM as well as advertisers so that they can better understand our audience. For example, we might disclose that a certain percentage of our users are female or within a certain age range or live within a cluster of zip codes.
INTERNETBANKINGFACTS.COM is particularly concerned with providing a safe online environment for children. Children under the age 13 will not be allowed to register and become a member of INTERNETBANKINGFACTS.COM in order to access general INTERNETBANKINGFACTS.COM content, features and services. In the near future, parents and legal guardians of children under age 13 who register are able to establish a member account for their child by accessing the Member Center. Other areas and services operated by INTERNETBANKINGFACTS.COM that do not require registration but that ask for Personally Identifiable Information from children under age 13 will require a parental consent before collecting the information. Further, we limit most of our contests to people who are at least 18 years of age, making children ineligible to enter. Parental consent to collect information about children can be provided in two ways: (1) Fax a copy of a completed Parental Consent Form, including your signature, to the facsimile number provided on the Parental Consent Form. This form will be available in applicable areas of our site. (2) Mail a completed Parental Consent Form to the address indicated. INTERNETBANKINGFACTS.COM will not knowingly disclose personal information about users under the age of 13 without prior parental or legal guardian consent, except as required by law. INTERNETBANKINGFACTS.COM strongly recommends parental supervision when a child uses the Internet, particularly when a child enters a forum or uses e-mail. We also encourage parents to instruct their children not to give out personal information in these areas.
Member Mail and E-mail Offers
INTERNETBANKINGFACTS.COM does not rent, sell, barter or give away its user or member lists or its users’ or members’ names, e-mail addresses or mailing addresses for use by advertisers and other third parties for the purpose of solicitations, unless the user has previously given his or her consent at the time of general registration or registration for a specific contest or service. If a user granted permission to receive solicitations (referred to as E-mail Offers) at the time of registration but subsequently wishes to opt out from receiving such solicitations, the user may go to the Member Center and change one or more of the category-specific permission related to receiving e-mail from TINTERNETBANKINGFACTS.COM advertisers. All registered users will receive periodic Member Mail via e-mail related to their membership account or various features and services on INTERNETBANKINGFACTS.COM that their membership entitles them to access. Because Member Mail is an important part of our service to you, users cannot opt-out of receiving Member Mail. When a user specifically authorizes e-mail solicitations we make available the user names and other Personally Identifiable Information in accordance with the applicable license. Our HTML-encoded e-mail messages may include graphic files, which we use to gather information about e-mails sent our members. When such a message is opened in an HTML-capable e-mail program, the recipient’s computer accesses our server to retrieve the graphic file, and allows us to record and store the date and time, the recipient’s e-mail address, and other standard logging information. These HTML-encoded e-mail messages may also read cookies.
Affiliated sites, linked sites and advertisements
INTERNETBANKINGFACTS.COM expects its partners, providers of content and services and advertisers to respect the privacy of our users. Be aware, however, that third parties, including our partners, providers of content and services, advertisers and others accessible through our site may have their own privacy and data collection policies and practices. For example, during your visit to INTERNETBANKINGFACTS.COM you may link to, or view as part of a frame on a INTERNETBANKINGFACTS.COM page, certain content that is actually created or hosted by a third party. Also through INTERNETBANKINGFACTS.COM you may be introduced to, or be able to access information, services, Web sites, features, contest or sweepstakes offered by other parties. INTERNETBANKINGFACTS.COM is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.
Electronic commerce with INTERNETBANKINGFACTS.COM
For certain electronic commerce services on INTERNETBANKINGFACTS.COM, such as placing classified ads electronically we require additional information. To complete these transactions, we may collect information from you such as your name, credit card number and other financial or Personally Identifiable Information. We endeavor to protect the security of your payment information during transmission by using Secure Sockets Layer (SSL) technology, which encrypts information you submit. We use the credit card and shipping information for the purpose of completing the transaction and does not provide this information to third parties except for the issuers of credit cards in order to process the transaction, or as otherwise set forth in this policy.
Changing your personal information
In general, a registered member may return to his or her account information page in the Member Center to update the information he or she previously provided to us. To prevent minors from improperly entering contests for which they are not eligible, we may require additional proof from people asking to change their birth date information. Information you provide to INTERNETBANKINGFACTS.COM may be stored by us for an indefinite time. This information includes the registration data as well as information provided in conjunction with various membership services, contests or features available on INTERNETBANKINGFACTS.COM You can delete your INTERNETBANKINGFACTS.COM membership account in Member Center by clicking on the link labeled “delete my account.” By doing so, all but a transactional record of your membership account will be removed from our databases, though some records may remain on back-up media. Note that by deleting your account, you will cancel your membership and no longer be able to access INTERNETBANKINGFACTS.COM.
Remember the risks when you use the Internet
You should know that when you voluntarily disclose personal information on the INTERNETBANKINGFACTS.COM Web site (for example, in the discussion forums), that information can be collected and used by others and may result in unsolicited messages from other people. While we do our best to protect your personal information, we cannot be responsible for information that you choose to publicly disclose. Further, you are solely responsible for maintaining the secrecy of any passwords or other account information. Although we make good faith efforts to store the information we collect in a secure operating environment that is not available to the public and to work with responsible third parties, we cannot guarantee complete security for your information. In addition, our advertisers, content providers, partners and other Internet sites or services that may be accessible through INTERNETBANKINGFACTS.COM have separate data and privacy practices that are independent of us, and we disclaim any responsibility or liability for their policies or actions. Please contact those sites directly if you have questions about their privacy policies.
Platform for Privacy Preferences.
INTERNETBANKINGFACTS.COM endorses and abides by the privacy principles approved by the Interactive Services Association and the Direct Marketing Association.