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PrivacyPolicy
VanguardCapitals.com, Privacy Policy
Last revised: April 14, 2009
VanguardCapitals.com, shares your concern about the protection of your personal information online. This is our policy regarding the privacy of information we collect on our web sites. We have recently revised our policy. Please take some time to review the new version below. This Privacy Policy includes examples of the types of personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use and sharing practices. We will comply with applicable laws that may restrict the types of information we may disclose about you or require us to provide you with additional notices.
Information Gathered and Tracked by VanguardCapitals.com
VanguardCapitals.com gathers two types of data about users: (a) personal information, which individual users provide (i) when registering as a member of VanguardCapitals.com, our free forum site, (ii) when registering as a subscriber to one of our subscription services, and (iii) voluntarily at certain other points, such as contests or surveys; and (b) tracking information, which is automatically collected about all visitors to our sites.
Personal Information
VanguardCapitals.com collects personal information in several places on our web sites, which are set forth generally below. We will always provide a secure area of our sites for you to enter your information, but if you prefer, you may talk offline to a customer service representative and provide the required information via email.
* Membership
Currently, we do not require users to become members of VanguardCapitals.com in order to have access to the free commentary, analysis and news available on our forum, and flagship site, www.VanguardCapitals.com. However, if you'd like to receive one or more of our free email newsletters, gain access select commentary articles, we require you to register here to become a member. In order to register, you'll have to supply us with your email, and choose a unique User Name and password, and provide us with some additional information about you. Additionally, you will be required to verify your email address by clicking on the activation link in the Welcome Letter that will be sent to you upon your submission of a completed registration form.
* Subscribed Services
If you'd like access to our subscription-based services, you first must register as a member of VanguardCapitals.com as described above, and then you'll have to pick a unique User Name and password. Then, on the subscription registration page for the subscription-based service you are interested in, you'll need to supply Paypal.com with the information specified to activate your paid subscription.
Tracking Information
Tracking data consists of both individual and aggregated tracking information and is automatically gathered using "cookies." A cookie is a small data file containing information, such as a user's login name, that is written to the user's hard drive by a web server and used to track the pages visited.
* Tracking by VanguardCapitals.com
We use cookies in several ways to track user behavior. First, the information we gather on an individual basis is used for internal purposes only, such as accessing a member's account information. We also use tracking information on an aggregate basis, to track the readership of stories and usage of our sites, to analyze traffic patterns on our sites, and to provide anonymous reporting of usage for internal and external clients. In all cases, cookies used by VanguardCapitals.com are encoded and contain a unique digital signature to prevent tampering. They do not contain user passwords or personal information. We also employ technology that is commonly referred to as "action tags" (also known as "web beacons" or "one pixel .gif files") to measure the effectiveness of our advertisements.
You can control your browser's settings regarding cookies by selecting "Internet Options" or "Preferences" in the menu bar of your browser. This will allow you to prevent your browser from accepting new cookies, have your browser notify you when you receive a new cookie, or disable cookies altogether. However, because cookies allow you to easily navigate our web sites without having to constantly log in using your User Name and password, we recommend that you leave them turned on.
If you would like to opt-out from such tracking, click here, and Atlas will change your cookie to one that does not contain a unique user ID number, which will prevent Atlas from collecting any information from your use of the Internet by preventing information from being associated with your browser.
* Tracking by our Advertisers
VanguardCapitals.com's advertisers include financial services companies (such as brokerage firms, banks, and mortgage companies) and non-financial services companies (such as computer manufacturers, software companies, automobile makers and retail stores). VanguardCapitals.com's advertisers and advertising vendors display targeted advertisements. Although VanguardCapitals.com does not provide any personal information to the advertiser or advertising vendor, by interacting with or clicking on an ad you consent to the possibility that the advertiser will assume you meet the targeting criteria used.
In addition to cookies placed by VanguardCapitals.com or its agents, as described above, advertisers and advertising vendors that serve ads onto our web sites may use their own cookies or other tracking technologies. We cannot be responsible for the privacy policies or practices of any such advertisers and vendors.
Use of the Information
VanguardCapitals.com uses personal information obtained from its users as stated in this Privacy Policy, and to enhance users' experiences on our sites.
Disclosures Permitted by Law
* VanguardCapitals.com does not sell or disclose personal information about you described above to with other people or nonaffiliated companies, except to provide you with products or services, when we have your permission, or under the following circumstances:
* We provide the information on a confidential basis to nonaffiliated companies we engage as contractors or agents to perform services for us, such as maintaining software, sending direct mail or administering a sweepstakes or contest. Information will be shared with such contractors only to the extent reasonably necessary for them to perform services on our behalf, and pursuant to confidentiality obligations;
* In response to subpoenas, court orders, or legal process, from law enforcement agencies or state and federal regulators;
o If we sell or otherwise transfer substantially all of our assets related to any web site that we own or operate and any product or service that we offer. In that event, we will require such third party to honor our current Privacy Policy, until the third party provides you with notice of changes to our Privacy Policy and permits you to exercise any rights you may have under applicable law to limit disclosures of information about you.
Disclosures for Joint Marketing and Servicing
VanguardCapitals.com may disclose all the information we collect as described above to other companies such as direct marketers to perform marketing services on our behalf, or to financial institutions, such as banks, insurance companies and securities broker-dealers, with whom we have joint marketing agreements.
Other Uses
* Free Newsletters
If you're a registered member of VanguardCapitals.com, we use your email address to send you free email newsletters containing selected stories, market information, advertisements and links to our sites upon your requests. You can select newsletters you would like to receive or remove yourself from our newsletter delivery list at any time by visiting your profile at the message board, or by replying to any email with the word «unsubscribe» on the subject.
* Subscription Services
If you're a subscriber, we use your email address, as applicable, to deliver our services.
Correcting and Updating the Information
VanguardCapitals.com offers to its members the ability to correct or update online the information we collected during registration by visiting the Account Information page.
Security
VanguardCapitals.com limits access to personal information about you to those employees whom we determine need access to that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your personal information. However, no security system is impenetrable. We cannot guarantee the security of our servers, nor can we guarantee that information that users supply will not be intercepted while being transmitted to us over the Internet.
Former Customers
VanguardCapitals.com discloses personal information about former customers only in accordance with this Privacy Policy.
Your Independent Relationships with Other Companies
Please note that this Privacy Policy will not apply to your independent relationships with other companies that from time to time may offer you products and services on VanguardCapitals.com's sites. Those companies' privacy policies will govern how they collect, use and disclose personal information that you provide to them.
Questions or comments regarding this policy should be directed to info@VanguardCapitals.com. VanguardCapitals.com reserves the right to modify this policy.