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Privacy PolicyWelcome to
FinancialLanguage.com. This site is owned by Paladin Registry Inc. This
Paladin Privacy Policy tells you about our practices regarding the collection,
use, and disclosure of information that you may provide via this site or other
Paladin sites. Please be sure to read this entire Privacy Policy before using
or submitting information to this site or any other site that is owned by
Paladin Registry Inc.
By using the content and services on this site,
you agree to be bound by the terms of this Privacy Policy. Whenever you submit
information via this site, you consent to the collection, use, and disclosure
of that information in accordance with this Privacy Policy.
Please read
this Privacy Policy carefully and in its entirety.
Paladin Registry Inc.
("Paladin") is committed to protecting the privacy of guests, consumers and
investors who use Registry services, and financial professionals who submit
data to the Registry or have been admitted to the Registry. If you have any
questions about this policy, please contact us at
info@paladinregistry.com.
1. ConfidentialityPaladin will not disclose any
personally identifiable information about individual users, except as specified
in this Privacy Policy. With the few exceptions explained here, we do not give,
rent, lend, or sell individual information. We would only disclose personally
identifiable information in the following instances: (i) with investors' and
advisors' consent; (ii) if we are required to by applicable law, or in response
to legal process to protect the rights or property of Paladin, or to protect
the safety of Paladin, investors, advisors, and others; and (iii) with certain
contractors of Paladin who have similar confidentiality and non-disclosure
agreements with their visitors and users.
2. SecurityPaladin is committed to protecting
the personal information of investors and advisors. We store information
provided by investors and advisors on our secure servers and information
provided to a third-party provider for processing advisor membership fees will
be encrypted with SSL technology.
3. Password ProtectedThe internal site is
password protected and available to members only. Advisors should not share
their passwords with anyone. Paladin will never ask advisors for their
passwords in an unsolicited phone call or email. If advisors use a computer
which is accessible to others, they should remember to log out and close their
browser window when leaving this website.
4. Information Collection and UseWe take the
issue of safeguarding your privacy and confidentiality seriously as a guest,
investor, or advisor. We exercise great care to ensure that the personally
identifiable information you may provide to us for the purposes set forth below
is kept confidential. Our policy is to collect the minimum amount of
information we need to provide services to investors and advisors. In addition,
we collect IP addresses for site security and to provide us with information
regarding the users of the site to help us improve the site's performance and
services.
We collect the following types of personally identifiable
information on our website: Name, e-mail, and phone number. We use a device
known as a "cookie." A cookie is a piece of data stored on a user's hard drive
that contains information about a user. There are two types of cookies:
persistent cookies and session cookies. Persistent cookies get written to a
file called a "cookie jar" on the user's hard drive and are retrieved every
time a site is accessed. Session cookies are similar to persistent cookies
except that the information does not get written to the hard drive and
disappears when users close their browser. We do not link the information we
store in cookies to any personally identifiable information that you submit
while on our site.
This site uses session cookies. If users do not
accept cookies, they may still use our site; however, advisors will not be able
to use the internal, password protected service sections. These sections
require that a cookie is set to identify a particular computer to our web
server. This cookie is called a Session ID and consists of a 32-digit sequence
of random numbers and letters generated by our web server each time the site is
called up. This is necessary so that our computers can match logged-in users
with their account information. This cookie will be deleted when users log out
or close their browser.
In addition to cookies, this site also may use
tiny electronic images ("single-pixel GIFs" or "Web beacons"), which allow us
to count users who have visited specific pages or access certain cookies. We
may use single-pixel GIFs in the following ways: (i) to count and recognize
users; (ii) to conduct research on behalf of some partners on their websites
and for auditing purposes; (iii) to determine aggregate information about
users, including demographic and usage information. In general, any electronic
image viewed as part of a web page, including an ad banner, can act as a web
beacon. We do not link the information we store in cookies to any personally
identifiable information you submit while on our site.
5. Service ProvidersWe use third parties to
provide Web Hosting, Web Development, Web analytics, and Search Engine
Optimization services on our site. When you submit your data to us for
processing, we will share your data, as necessary with the designated third
parties so they can provide their specific services. These third parties are
prohibited from using your personally identifiable information for any other
purpose.
6. Use of Personal InformationPaladin collects
personal information to provide investors and advisors with specialized
services that contain relevant content. In addition, Paladin conducts research
on investor and advisor demographics, interests, and behavior based on
information that is voluntarily provided to Paladin. This information is
compiled and analyzed on a generalized basis and is not investor or advisor
specific. We do not share, sell, trade, or rent your personal information to
third parties for unknown reasons.
7. Direct Mailings/Service-Related
AnnouncementsWe will send you strictly service-related announcements when
it is necessary to do so. For instance, if our service is temporarily suspended
for maintenance, we might send you an email. Generally, you may not opt-out of
these communications, which are usually not promotional in nature. If you do
not wish to receive them, you have the option to deactivate your account. To
deactivate your account, you must notify us via email (info@paladinregistry.com) or by
phone at 916-253-3334. Paladin may also use your email to send you free special
research reports that provide current information about financial advisors and
related commentary. There is an opt-out function on each of the research
reports.
8. Tell a Friend, Family Member or Associate If
you choose to use our referral service to tell a friend about our site, we will
ask you for your friend's name and email address. We will automatically send
your friend a one-time email inviting him or her to visit the site. The Paladin
Registry stores this information for the purpose of sending this one-time email
and free, informative research reports. Your friend may contact us at
info@paladinregistry.com to
request that we remove his or her contact information from our database or use
the opt-out function on the research report.
9. Professional ProfileFinancial advisors become
members of the Registry and provide disclosures for their credentials, ethics,
and business practices so investors have online access to the information.
Advisors can opt out of the Registry at anytime by notifying Paladin. Paladin
maintains a record of the data that was provided by advisor in the event
advisor wants to be reactivated in the Registry.
10. Changes to Your Account InformationIf
advisors want to modify or update account information, advisors should go to
the Complete/Update Documents and/or Administration sections of the internal
website. Here advisors will be able to change User IDs (email addresses) and
update passwords.
11. Referral of AdvisorsPaladin may provide the
names, email addresses and telephone numbers of advisors who seek admittance to
the Registry to an affiliated company that produces referrals for financial
advisors. The company does not have the same admittance requirements as the
Registry. For example, the company does not require advisors to be acknowledged
fiduciaries and fee-only or fee-based.
12. Referral of InvestorsPaladin may provide the
names, email addresses and telephone numbers of investors who use Registry
services to a third party that has a contractual relationship with Paladin in
the event Paladin does not provide some or all of the services that investors
are seeking.
13. Minor's PrivacyPaladin's site is not
intended for use by minors under the age of 18. The site is operated in
compliance with the Children's Online Privacy Act and will not knowingly
collect or use personally identifiable information from anyone under the age of
18.
14. GeneralThis Privacy Policy applies to the
site as operated and viewed in the United States of America. Paladin uses its
best efforts to protect the privacy of investors and advisors; however, Paladin
cannot ensure or warrant the security of any information that you transmit over
the Internet, and you do so at your own risk. All advisors are responsible for
maintaining the secrecy of their individual passwords and/or any account
information.
Paladin's website incorporates links to Select Service
Providers for the convenience of Registry members. If you use these links,
remember that each site has its own Privacy Policy and data collection
practices. Paladin is not responsible or liable for the policies or practices
of other sites, and Paladin does not review the policies or practices of other
sites.
15. Legal Disputes This Privacy Policy will be
governed by and construed in accordance with the internal laws of the State of
California, excluding that body of laws known as choice of law or conflict of
laws. Subject to the provisions of this Section, all disputes, controversies or
claims arising out of or relating to this Agreement will be resolved through
mandatory binding arbitration conducted in Sacramento, California, before
J.A.M.S./ENDISPUTE or its successor ("JAMS") pursuant to the United States
Arbitration Act, 9 U.S.C. Section 1, et seq. (the "Act"); and (iii) this
Agreement. The arbitration will be conducted in accordance with the provisions
of J.A.M.S.'s Streamlined Arbitration Rules and Procedures in effect at the
time of filing of the demand for arbitration (the "JAMS Rules"), subject to the
provisions of this Section. The terms set forth in this Agreement will control
in the event of any inconsistency between such terms and the JAMS Rules. The
parties will cooperate with JAMS and with each other in promptly selecting a
single arbitrator from JAMS's panel of neutrals. If the parties fail to so
select an arbitrator within thirty (30) days following the date of either
party's notice of demand to conduct arbitration, then JAMS will appoint an
arbitrator in accordance with the JAMS Rules. The award of the arbitrator will
be in writing and will set forth findings of fact and conclusions of law.
Judgment on the arbitrator's award will be final and binding upon the parties
and may be entered in any court having jurisdiction thereof. If for any reason
JAMS or its successor no longer is in business, then the arbitration shall be
conducted in accordance with the commercial arbitration rules of the American
Arbitration Association. The arbitrator's fees will be shared equally by the
parties and each party will initially bear its own costs and attorneys' fees,
but the prevailing party shall be reimbursed by the other party for all
attorney's fees, witness fees, and arbitration costs. All papers, documents, or
evidence, whether written or oral, filed with or presented in connection with
the arbitration proceeding will be deemed by the parties and by the arbitrator
to be confidential information of both parties. The arbitrator chosen in
accordance with these provisions will not have the power to alter, amend or
otherwise affect the terms of these arbitration provisions or the provisions of
this Agreement. Notwithstanding the foregoing, nothing in this Section shall
prevent either party from applying for and obtaining from a court a temporary
restraining order and/or other injunctive relief.
16. Changes to This Privacy PolicyWe reserve the
right to modify this privacy statement at any time, so please review it
frequently. If we make material changes to this policy, we will notify you here
or by means of a notice on our home page.
To contact Paladin about
website privacy issues, to report a violation of our Privacy Policy, or to
discuss any other issue, please contact us at
info@paladinregistry.com or:
Paladin Registry Inc.
395 S. Highway 65 Suite A-275
Lincoln, CA 95648
916-253-3334
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