{"id":2419,"date":"2021-08-19T10:25:04","date_gmt":"2021-08-19T18:25:04","guid":{"rendered":"https:\/\/www.cultofmoney.com\/?page_id=2419"},"modified":"2023-05-30T18:09:25","modified_gmt":"2023-05-31T02:09:25","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.cultofmoney.com\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\n
PRIVACY POLICY<\/strong><\/p>\n\n\n\n The following privacy policy applies to the website administered by The College Investor, LLC (\u201cThe College Investor\u201d, “Cult Of Money”, \u201cwe\u201d, \u201cour\u201d or \u201cus\u201d), located at https:\/\/www.cultofmoney.com<\/a> (\u201cWebsite\u201d). <\/p>\n\n\n\n Your use of the Website constitutes your acceptance of, and agreement to, the following Privacy Policy. Cult Of Money reserves the right to modify, alter, amend or update its Website, and Privacy Policy. This Privacy Policy is subject to change without notice. If you do not agree with or do not accept any part of this Privacy Policy, you must not use the Website.<\/p>\n\n\n\n WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?<\/strong><\/p>\n\n\n\n HOW YOUR INFORMATION MAY BE USED<\/strong><\/p>\n\n\n\n The Website may use the information collected in the following ways:<\/p>\n\n\n\n THIRD-PARTY USE OF PERSONAL INFORMATION<\/strong><\/p>\n\n\n\n The Website may share your information with third parties when you explicitly authorize us to share your information. Additionally, the Website may use third-party service providers to service various aspects of the Website. Each third-party service provider\u2019s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers:<\/p>\n\n\n\n Social Media Networks: When an individual interacts with our Website through various social media networks, such as when someone logs in through a social network, \u201cLikes\u201d us on Facebook, or follows us or shares our content on Google, Facebook, Instagram, Twitter, or other social networks, we may receive some information from those social networks including your profile information and any other information you permit the social network to share with third parties. We may use this information to allow you to log into your account, to communicate or interact with individuals on the social network, to better understand the demographics of our visitors, and to personalize content and advertising. Individuals should always review and, if necessary, adjust their privacy settings on third-party websites and social media networks and services before sharing information and\/or linking or connecting them to other services.<\/p>\n\n\n\n At this time, your personal information is not shared with any other third-party applications. This list may be amended from time to time in the Website\u2019s sole discretion.<\/p>\n\n\n\n Except when required by law, Cult Of Money will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, Cult Of Money may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.<\/p>\n\n\n\n PUBLICLY AVAILABLE INFORMATION<\/strong><\/p>\n\n\n\n The Website may include interactive sections such as commenting areas and the forum where you can post comments. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information. If you create a user profile on the forum or leave a comment, certain information may be publicly visible. To create a user profile, you must choose a username and password and input your email address for profile confirmation. Your email address will never be available publicly.<\/p>\n\n\n\n ANONYMOUS DATA<\/strong><\/p>\n\n\n\n From time to time, Cult Of Money may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies.<\/p>\n\n\n\n COOKIES<\/strong><\/p>\n\n\n\n The Website uses cookies to store visitors\u2019 preferences, record user-specific information on what pages users access or visit, ensure that visitors are not repeatedly sent the same banner ads, customize content based on visitors\u2019 browser type or other information that the visitor sends. Cookies may also be used by third-party services, such as Google Analytics, as described herein.<\/p>\n\n\n\n What are cookies?<\/strong><\/p>\n\n\n\n A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a \u201cdevice\u201d) by the web server so that a website can remember some information about your browsing activity on the Website. The Cookie will collect information relating to your use of the Website, information about your device such as the device\u2019s IP address and browser type, demographic data and, if you arrived at the Website via a link from third party site, the URL of the linking page. <\/p>\n\n\n\n In addition to Cookies, the Website may use web beacons. Web beacons allow us to count the number of users who have visited or accessed the Website and to recognize users by accessing our cookies. We may employ web beacons to facilitate Website administration and navigation, to track the actions of users of the Website, to compile aggregate statistics about Website usage and response rates, and to provide an enhanced online experience for visitors to the Website. We may also include web beacons in HTML-formatted e-mail messages that we send to determine which e-mail messages were opened. A web beacon is often invisible because it is only 1 x 1 pixel in size with no color. A web beacon can also be known as a web bug, 1 by 1 GIF, invisible GIF and tracker GIF. <\/p>\n\n\n\n What are the different types of cookies and how do we use them?<\/strong><\/p>\n\n\n\n Essential \u2013 These are Cookies which are essential for the running of the Website. Without these Cookies, parts of the Website would not function. These Cookies do not track where you have been on the internet and do not gather information about you that could be used for marketing purposes.<\/p>\n\n\n\n Examples of how we may use essential Cookies include:<\/p>\n\n\n\n Functional \u2013 These Cookies are used to remember your preferences on the Website and to provide enhanced, more personal features. The information collected by these Cookies is usually anonymized, so we cannot identify you personally. Functional Cookies do not track your internet usage or gather information which could be used for selling advertising.<\/p>\n\n\n\n Examples of how we may use functional Cookies include:<\/p>\n\n\n\n Analytical Performance \u2013 Analytical performance Cookies are used to monitor the performance of the Website, for example, to determine the number of page views and the number of unique users our the Website has. We use this information to improve user experience or identify areas of the Website which may require maintenance. The information is anonymous (i.e. it cannot be used to identify you and does not contain personal information such as your name and email address) and it is only used for statistical purposes.<\/p>\n\n\n\n Examples of how we may use analytical Cookies include:<\/p>\n\n\n\n Advertising \u2013 Behavioral advertising Cookies, which may be placed on your device by us or our trusted third-party service providers, remember that you have visited a website and use that information to provide you with advertising which is tailored to your interests. This is often called online behavioral advertising and is done by grouping together shared interests based upon web browsing history. Your web browsing history can be used to infer things about you (e.g. your age, gender etc.), and this information may also be used to make advertising on websites more relevant to you. Although behavioral advertising Cookies can track your activity around the internet, these Cookies cannot identify you personally. <\/p>\n\n\n\n Examples of how we may use advertising Cookies include:<\/p>\n\n\n\n Third Party Cookies \u2013 You may notice on some pages of the Website that Cookies have been set that are not related to us. When you visit a page with content embedded from, for example, YouTube or Facebook, these third party service providers may set their own Cookies on your device. We do not control the use of these third party Cookies and cannot access them due to the way that Cookies work, as Cookies can only be accessed by the party who originally set them. Please check the third party websites for more information about these Cookies.<\/p>\n\n\n\n We also may use DART cookies for ad serving through Google\u2019s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests. The ads served will be targeted based on your previous browsing history. DART uses \u201cnon personally identifiable information\u201d. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers. You can opt-out of this ad serving on all sites using this advertising by visiting https:\/\/www.doubleclick.com\/privacy\/dart_adserving.aspx<\/p>\n\n\n\n Users may, at any time, prevent the setting of cookies, by the Website, by using a corresponding setting of your internet browser and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. However, if users deactivate the setting of cookies in your Internet browser, not all functions of our Website may be entirely usable.<\/p>\n\n\n\n How can you manage or opt-out of cookies?<\/strong><\/p>\n\n\n\n Cookies, including those which have already been set, can be deleted from your hard drive. You can also change the preferences\/settings in your web browser to control Cookies. In some cases, you can choose to accept Cookies from the primary site, but block them from third parties. In others, you can block Cookies from specific advertisers, or clear out all Cookies. Deleting or blocking Cookies may reduce functionality of the Website. To learn more about how to reject Cookies, visit www.allaboutcookies.org<\/a> or go to the help menu within your internet browser. If you experience any problems having deleted Cookies, you should contact the supplier of your web browser.<\/p>\n\n\n\n Opting out of Analytical Performance Cookies<\/p>\n\n\n\n If you would like to opt out of Analytics Cookies, please do so by clicking on the links below:<\/p>\n\n\n\n Google Analytics: https:\/\/tools.google.com\/dlpage\/gaoptout<\/a><\/p>\n\n\n\n Opting out of Behavioral Advertising Cookies<\/p>\n\n\n\n If you would like more information about how to opt out of interest-based advertising in desktop and mobile browsers on a particular device, please visit https:\/\/optout.aboutads.info\/#\/ and https:\/\/optout.networkadvertising.org\/#. You may download the AppChoices app at https:\/\/www.aboutads.info\/appchoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out. <\/p>\n\n\n\n ADVERTISING<\/strong><\/p>\n\n\n\n Display Ads Retargeting Ads Sponsored Content Tracking Pixels Affiliate Program Participation The College Investor, LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and links to Amazon.com. As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales.<\/p>\n\n\n\n Newsletters<\/strong> Push Notifications<\/strong> NO LIABILITY THIRD-PARTY SERVICES AND THIRD-PARTY LINKS<\/strong><\/p>\n\n\n\n The third-party service providers affiliated with Cult Of Money have their own independent privacy policies governing the use of your Personal Information pursuant to the GDPR and CCPA and we encourage you to read those privacy policies carefully. You understand that even if Cult Of Money deletes your Personal Information that it may still be available in a third-party service provider\u2019s database. Cult Of Money has no responsibility or liability for the Personal Information collection, use, or storage activities of the third-party services providers used by The College Investor to provide you with the services associated with the Website. <\/p>\n\n\n\n Cult Of Money may outsource or subcontract some of our technical support, tracking and reporting functions, database management functions, and other services to third parties. We may share information from or about you with them so that they can perform their services as long as they comply with this Privacy Policy, the GDPR, and the CCPA. You understand and agree that Cult Of Money will not be held responsible for any third-party communications sent by entities that Cult Of Money does not own or control. You are encouraged to review any third-party privacy policies before utilizing any such third-party service.<\/p>\n\n\n\n Cult Of Money may include or offer third-party products or services on the Website and provide third-party links to the same. These third-party websites have separate and independent privacy policies. Cult Of Money has no responsibility or liability for the content and activities of such third parties or their websites. We encourage you to read carefully the privacy policies of all such third-party websites. We seek to protect the integrity of the Website and therefore welcome any feedback about any such third-party websites.<\/p>\n\n\n\n RIGHTS RELATED TO YOUR PERSONAL INFORMATION<\/strong><\/p>\n\n\n\n Opt-out<\/strong> \u2013 You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify via our Removal Page<\/a> to be removed from our mailing list.<\/p>\n\n\n\n Access<\/strong> \u2013 You may access the personal information we have about you by submitting a request via our Removal Page<\/a>.<\/p>\n\n\n\n Amend<\/strong> \u2013 You may contact us via our Removal Page<\/a> to amend or update your personal information.<\/p>\n\n\n\n Forget<\/strong> \u2013 In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request on our Removal Page<\/a>.<\/p>\n\n\n\n Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.<\/p>\n\n\n\n EU USERS\u2019 RIGHTS UNDER THE GDPR<\/strong><\/p>\n\n\n\n The GDPR provides users located in the EU under its protection certain rights with respect to their Personal Data collected by us on the Services. Accordingly, Cult Of Moneyrecognizes and will comply with the GDPR and those rights, except as limited by applicable law. The rights under the GDPR include:<\/p>\n\n\n\n CALIFORNIA RESIDENTS<\/strong><\/p>\n\n\n\n California Residents: Pursuant to the California Consumer Privacy Act of 2019 (\u201cCCPA\u201d), you have certain rights with respect to your personal information. For the purposes of this section, personal information is used as defined in the CCPA. Cult Of Money reserves the right to verify all requests made pursuant to the CCPA. <\/p>\n\n\n\n Access and Disclosure<\/strong><\/p>\n\n\n\n You may make a verifiable request that we disclose the categories of personal information we have collected about you, the categories of sources of the personal information we collected about you, the business or commercial purpose for collecting or selling the personal information, the categories of third parties with whom we share your personal information, our use of the personal information and if the personal information was disclosed or sold to third parties, including the categories of personal information sold or disclosed. You also have the right to make a verifiable request for a copy of the personal information collected about you for the twelve (12) months prior to the date of your request. To see any categories of personal information we have sold in the last twelve (12) months, please refer to the Do Not Sell My Personal Information Page<\/a>. <\/p>\n\n\n\n Deletion Request Rights<\/strong><\/p>\n\n\n\n You have the right to request that Cult Of Money delete any of your personal information that we collected from you and retained, subject to certain exceptions. We may deny your deletion request if retaining the personal information is necessary for us or our service provider(s) to:<\/p>\n\n\n\n Children Under 16<\/strong><\/p>\n\n\n\n We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the \u201cright to opt-in\u201d) from either the consumer who is between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age. <\/p>\n\n\n\n No Discrimination<\/strong><\/p>\n\n\n\n We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:<\/p>\n\n\n\n Exercising Your Rights<\/strong><\/p>\n\n\n\n To exercise the access, disclosure and deletion rights described above, please submit a verifiable request to us by either (1) using our online Removal Form<\/a>; (2) emailing support@cultofmoney.com; (3) calling us at (858) 594-3194; or (4) sending us a written request to The College Investor LLC, Attn: CCPA, 2514 Jamacha Rd, Ste 502, PMB 75, El Cajon, CA 92019.<\/p>\n\n\n\n You may only make a verifiable request for access or disclosure twice within a 12-month period. You may also make a verifiable consumer request on behalf of your minor child. The verifiable consumer request must:<\/p>\n\n\n\n\n
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<\/strong>The Website uses Google Ads and MyFinance to manage all third-party advertising on the Website. Google Ads and MyFinance serve content and advertisements when you visit the Website, which may use cookies. Google Ads and MyFinance may collect IP addresses and location to serve personalized ads. If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit https:\/\/www.networkadvertising.org\/managing\/opt_out.asp<\/a>.<\/p>\n\n\n\n
<\/strong>From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, Reddit, Snapchat, Quora or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone\u2019s past visits to the Website. You may opt-out of this data collection by visiting the provider\u2019s website and adjusting your privacy settings.<\/p>\n\n\n\n
<\/strong>This Website may engage in sponsored campaigns with various influencer networks, brands, and agencies. All sponsored content is duly disclosed in accordance with the FTC\u2019s requirements. From time to time, these sponsored campaigns utilize tracking pixels (aka web beacons), which may contain cookies to collect data regarding usage and audience. This information is collected by the sponsoring company to track the results of the campaign. As stated above, these pixels may capture your IP address on behalf of the content sponsor. No personally identifiable information collected by the Website is used in conjunction with these tracking pixels.<\/p>\n\n\n\n
<\/strong>The Website may engage in affiliate marketing, which is done by embedding tracking links into the Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions. <\/p>\n\n\n\n
On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, Cult Of Money may see if and when you open an email and which links within the email you click. Also, this allows Cult Of Money to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.<\/p>\n\n\n\n
On the Website, you may subscribe to allow push notifications to your web browser, which may be used for advertising purposes. Push notifications are opt-in from your web browser, and we do not store any personal data that can identify a subscriber individually at the time of web push subscription. If you want you can disable it, here is a guide to disabling push notifications<\/a>.<\/p>\n\n\n\n\n
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