Last Updated: September 2019
What information we collect and maintain about you
Personal Information. You can visit the Site without submitting any personal information. However, we collect your personal information when you provide it to us. For example, if you would like to subscribe to our newsletter, we ask you to provide your email address. In addition, if you contact us through email, Facebook or Twitter you may provide us with additional personal information such as your name or other identifying information. We may also collect, when you provide it, your name, phone number, physical address, and date of birth. “Personal Information” is any information that can be used to identify you or that we can link to you.
When you choose to apply for a credit card or other financial product featured on the Site, you will be directed to a secure page on the financial institution’s website where you will provide the information required to be considered for the financial product or service. XLMedia does not collect or receive the information you input on that financial institution’s or company’s site.
Other Information. We automatically collect certain “Other Information” that does not directly identify you when you use, access, or interact with our Site. This may include information such as your IP address and domain name, your Internet service provider, the date and time of your visit, your use of the Site during your current session and over time (including the pages you view and the files you download), the URLs from the websites you visit before and after navigating to the Site, your computer’s operating system and browser type, your software and hardware attributes (including device IDs such as IDFA and/or Advertising ID), and your general geographic location (e.g., your city, state, or metropolitan region). We use the following technologies to collect Other Information.
- Web log data. When you visit the Site, we automatically receive and record certain information from your computer (or other device) and your browser. To obtain such information, we may use web logs or applications that recognize your computer and gather information about its online activity.
- Web beacons. The Site or the emails that you receive from XLMedia may use an application known as a “web beacon” (also known as a “clear gif” or “pixel tag”). A web beacon is an electronic file that usually consists of a single-pixel image. It can be embedded in a web page or in an email to transmit information, which could include personal information. For example, it may allow our email sender to determine whether a user has opened a particular email.
Third-party online tracking and behavioral advertising. We also may partner with certain third parties to collect, analyze, and use some of the Personal and Other Information described in this section. For example, we may allow third parties to set cookies or use web beacons or other tracking mechanisms (such as tags or scripts) on the Site or in email communications from us. This information may be used for a variety of purposes, including online behavioral advertising, as discussed below (see the section entitled “Third-Party Analytics and Advertising”).
How We Use Your Information
XLMedia uses the information that we collect for a variety of purposes. If we have Personal Information about you, we may use it, for example:
- to respond to your questions or requests concerning the Site or other services offered by us;
- to fulfill the terms of any agreement you have with us;
- to fulfill your requests;
- to send you information about our Site and other topics that are likely to be of interest to you, including surveys, newsletters, updates, or other communications;
- to deliver notifications and similar operational communications;
- to improve your user experience and the quality of our Site;
- to comply with legal and/or regulatory requirements; and
- to manage our business.
We use the Other Information that we collect for such purposes as:
- counting and recognizing visitors to the Site and analyzing how visitors use the Site;
- improving the Site and enhancing users’ experiences with the Site;
- creating new products and services or improving our existing products and services;
- engaging in analytics or targeted advertising as described below in the “Third-Party Analytics and Advertising” section; and
- for any other business purpose permitted by law, including any purpose for which we use Personal Information.
XLMedia may link Other Information gathered using cookies and web beacons with Personal Information. But in that event, we will treat the combined information as Personal Information.
How We Share Your Information with Third Parties
We share your Personal Information and Other Information with other parties for a variety of purposes, as described below.
Affiliates. We may share Personal and Other Information with our corporate affiliates for the purposes described in this Policy.
Third-party service providers. XLMedia uses third-party service providers that perform services on our behalf, including web-hosting companies, emailing vendors, and analytics providers. These service providers may collect and/or use your Personal or Other Information to assist us in achieving the purposes discussed above.
We may also share your Personal or Other Information with other third parties when necessary to fulfill your requests for services; to meet the terms of any agreement that you have with us or our partners; or to manage our business.
Your direct sharing of personal information through the Site or third-party websites and services. The Site may enable you to share Personal Information with other users of the Site or with websites or online services operated by third parties. For example, the Site may permit comments to be submitted on articles and contain links to third-party websites that incorporate comment and social media features. The Site may also contain Facebook “like” buttons and Twitter “follow” buttons and may contain similar features of other third parties. If you choose to use these features, you may disclose your Personal Information not just to the Site and third-party websites and services, but also to their users and the public more generally. Because the third-party websites and services are not operated by XLMedia, we are not responsible for the content or practices of those websites or services. The collection, use, and disclosure of your Personal and Other Information on third-party websites and services will be subject to the privacy policies of the third party websites or services, and not this Policy.
Surveys. We may ask you to participate in surveys (processed by us or third parties) that help us understand your use of the Site and improve our advertising. Any Personal or Other information provided to us (or supplied by you or us to such third-party survey providers) in connection with these surveys will only be used in relation to that survey and as stated in this Policy. Participation in surveys is voluntary.
Legal purposes. We also may use or share your Personal or Other information with third parties when we believe, in our sole discretion, that doing so is necessary:
- to comply with applicable law or a court order, subpoena, or other legal process;
- to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party;
- to establish, protect, or exercise our legal rights or defend against legal claims; or
- to facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.
Aggregated information. From time to time, XLMedia may also share aggregated information about Site users, such as by publishing reports on trends in the usage of the Site or interest in the types of products or services featured on the Site.
Third-Party Analytics and Advertising
Advertising. The Site also enable third-party tracking mechanisms to collect your Other information for use in online interest-based advertising. For example, third parties may use the fact that you visited our Site to target online ads to you. In addition, our third-party advertising networks might use information about your use of our Site to help target advertisements based on your online activity in general. For information about interest-based advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website.
To opt-out of receiving marketing communications or newsletters from us by following the instructions in those emails or by emailing us at [email protected].
If you want to learn more about the Personal Information that we have about you, or you would like to update or change that information, please contact us by email at [email protected].
Data Retention and Deletion
We retain information for as long as reasonably necessary to deliver our Site to you, to fulfill the purposes described in this Policy, or as required by law. To request the deletion of your Personal Information, please send us an email at [email protected]. We will make our best effort to delete all Personal Information about you. However, please note that certain information, including Other Information, may be retained in backup databases.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we employ commercially reasonable physical, technical and administrative procedures to safeguard the personal information we collect online. However, we cannot ensure or warrant the security of any information you transmit to the Site or to us, and you transmit such information at your own risk.
The Personal and Other information that we collect through or in connection with the Site is transferred to and processed in the United States for the purposes described above. XLMedia also may subcontract the processing of your data to, or otherwise share your data with, affiliates or third parties in the United States or countries other than your country of residence. The data-protection laws in these countries may be different from, and less stringent than, those in your country of residence. By using the Site or by providing any Personal or Other Information to us, you expressly consent to such transfer and processing.
If you are a California resident under 18 years of age you may request that we remove content and information that you post on our Site that identifies you. To obtain removal of such content and information, please send us an email at [email protected] with a short description of the content or information you would like to have removed. Please note that such a request does not necessarily ensure complete or comprehensive removal of content posted by you, since the content and information may remain in our databases, may remain visible in a manner that does not identify you, or may have been re-posted by another user.
Content on this Site is directed at individuals over the age of 18 and is not directed at children under the age of 13. We do not knowingly collect personally identifiable information from children under the age of 13.
Changes to This Policy
XLMedia may make changes to the Site in the future and as a consequence will need to revise this Policy to reflect those changes. We will post all such changes on the Site, so you should review this page periodically. If we make a material change to the Policy, you will be provided with appropriate notice.
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