Effective Date: January 2014

The is the Privacy Policy for the website currently located at https://www.financialinstitutionlawblog.com (the “Site”). Your privacy is important to us and we have prepared this Privacy Policy to explain how we collect, use, and protect Personal Information (defined below) and Non-Personal Information (defined below) when you use the Site and your choices for managing your information preferences. By using the Site, you signify your assent to this Privacy Policy and the Disclaimer posted on the Site (https://www.financialinstitutionlawblog.com/disclaimer/).

1. Managing Information Preferences

You may review, correct, update, or change your Personal Information, or remove your Personal Information from our direct marketing efforts, at any time by contacting us at: [email protected].

2. Information You Choose To Submit

We collect information that personally identifies you, such as your name and email address (“Personal Information”) only if you choose to share such information with us. For example, you may be required to provide us with certain Personal Information to subscribe to receive emails from us or to contact us through the Site and at other times. The decision to provide this information is optional; however, if you decide not to register or provide such information, you may not be able to use certain features of the Site.

3. Information We Automatically Collect

Non-Personal Information

We automatically collect information that does not reflect or reference an individually identifiable user (“Non-Personal Information”) to help us understand how our users use the Site. Like most websites, we automatically collect and use the data contained in log files. The information in the log files may include your IP (internet protocol) address, your ISP (internet service provider), the web browser you used to visit the Site, the time you visited the Site, which web pages you visited on the Site, and other anonymous Site usage data.

Cookies and Other Tracking Technologies

We may use cookies (a small file containing a string of characters that uniquely identifies your web browser), to improve the quality of the Site and provide services to you on the Site. Our Service Providers (defined below) may also use cookies to provide certain features of the Site, such as to allow you to leave comments and share articles. Cookies may also be used to collect information about your activities on the Site and other websites, such as what web pages you visit on the Site and the web page you viewed prior to visiting the Site. Most web browsers are initially set up to accept cookies, but you can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, certain features of the Site may not work if you delete or disable cookies. Our systems do not recognize browser “Do Not Track” signals, but one of our Service Providers, AddThis, who utilizes cookies or other tracking technologies or on our Site enables you to opt out of certain of its cookies and tracking technologies. To learn more about our Service Provider’s use of cookies and tracking technologies and how to opt out of its cookies and other tracking technologies, please visit https://www.addthis.com/privacy/opt-out. We also provide you with additional tools to opt out of marketing from us. You can learn about this in the “Managing Information Preferences” section of this Privacy Policy.

4. How We Use Personal Information And Non-Personal Information

We use Personal Information and Non-Personal Information for internal purposes only, such as to keep you informed about topics of interest to you. We will not sell, share, or rent Personal Information to third parties, and we will not otherwise disclose Personal Information to third parties, without your express permission or as expressly disclosed in this Privacy Policy.

From time to time, we might establish a business relationship with other persons or entities whom we believe trustworthy and whom we have asked to confirm that their privacy practices are consistent with ours (“Service Providers”). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, data storage and management, and marketing. We provide our Service Providers with the information reasonably necessary for them to perform these services. Each Service Provider must agree to implement and maintain reasonable security procedures and practices appropriate to the nature of the information involved in order to protect your information from unauthorized access, destruction, use, modification, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by us.

5. Other Transfers

We may share Personal Information and Non-Personal Information with businesses controlling, controlled by, or under common control with us. If we are merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer Personal Information and Non-Personal Information in connection with such transaction. You will have the opportunity to opt out of any such transfer if, in our discretion, the new entity plans to handle your information in a way that differs materially from this Privacy Policy.

6. Compliance with Laws and Law Enforcement

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information and any other information about you to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect our safety, property, or rights or those of any third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

7. Public Areas

Please be advised that, whenever you voluntarily post information to any community or interactive areas of the Site, such information can and may be accessed by the public. This means that any person or entity with access to such information can potentially use it for any purpose, including sending unsolicited communications.

8. Security

We maintain physical, electronic, and procedural safeguards to protect the confidentiality and security of information transmitted to us. However, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect information transmitted on or through the Site, we cannot and do not guarantee or warrant the security of any information you transmit on or through the Site, and you do so at your own risk.

9. Children’s Privacy Statement

The Site is intended for users who are 18 years old or older. We do not knowingly collect Personal Information from children under the age of 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, we will delete such information from our records.

10. Links To Other Websites

Our Site may contain links to other websites. A link to a third party’s website does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party websites. You access such third-party websites or content at your own risk. You should always read the privacy policy of a third-party website before providing any information to the website.

11. Privacy Policy Changes

We may, in our sole and absolute discretion, change this Privacy Policy from time to time. We will inform you by posting a copy of the Privacy Policy as changed on the Site. Those changes will go into effect on the “Effective Date” shown in the revised Privacy Policy. Your continued use of the Site constitutes your consent to the Privacy Policy as changed. If you object to any such changes, your sole recourse shall be to cease using the Site.