We are not responsible for the privacy of any information you reveal or post in any public forum (e.g., message board or chat room) or through the “Public Profile” feature available on this Website, or for the privacy practices of websites that are operated or owned by third parties.
Notice To California Residents – Your California Privacy Rights:
Any request for a disclosure required under this law should be sent to us via email at info@VeriphyRatio.com. Please note that under this law, we are not required to respond to a customer’s request more than once in a calendar year, nor are we required to respond to any request that is not sent to the email address designated above.
What information about me is collected on the Veriphy℠ Website?
We collect five types of information: personally identifiable information, qualified retirement plan specific identifiable information, aggregate and anonymous information, publically available registered investment advisor, registered representative and broker-dealer information and user activity information.
Personally Identifiable Information
Personally Identifable Information (or “PII”) is any information that can identify or is linked to a specific individual, such as your name, mailing address, telephone number (including mobile number), email address, credit card number, debit card number, bank account number, and other financial account information, birth date, gender, occupation, personal interests, demographic, location and household information, etc. To the extent you voluntarily provide your PII to us, we collect such information. For example, we may collect PII from you (to the extent permitted by law): (1) when you sign up for one of our products or services, such as when you join one of our online communities (including the social networking areas on our Website and on related pages on third-party social media sites); (2) when you join one of our mailing or contact lists; (3) when you register to participate in an event sponsored by us (such as a contest, sweepstakes, giveaway, promotion, survey, etc.); (4) when you enter into a transaction with us, such as ordering a product from us through our online store; (5) when you use or interact with a product or service offered on our Website or a linked site; (6) when you provide or share information using a product or service of our Website or a linked site; (7) when you send information via message, chat, blog, post or similar functionality using a product or service of our Website or a linked site; (8) when you create, share or link your personal profile using a product or service of our Website or a linked site, including linking or associating your profile on a third-party site or platform with your Veriphy℠ account; and/or (9) when you submit a request or inquiry to us via our Website or a linked site or otherwise (each of the foregoing is referred to hereinafter as an “Identification Activity”).
It is optional for you to engage in an Identification Activity. However, if you elect to engage in an Identification Activity, we may ask you for certain PII. Depending on the activity, some of the information we ask you to provide may be identified as mandatory and some may be identified as optional. If you do not provide the mandatory information for a particular Identification Activity that requires it, you will not be able to engage in that activity. In addition, if you use our Website or a linked site to send information to another person (e.g., a friend, a family member, etc.), we will also collect PII of that other person to the extent disclosed by you. We also collect the username and password for the email account you wish to import your contacts from, for example, and will only use it for that purpose.
Aggregate and Anonymous Information (hereinafter “AAI”) is any information that cannot identify or be linked to a specific individual. For example, we may collect anonymous group data (demographics, media habits, online browsing habits, interests and preferences, etc.) about viewers and listeners of our television and radio programs, participants of our sponsored events and activities, users and members of our Website or a linked site, etc. (hereinafter referred to collectively as “our Audiences”). We also collect aggregate traffic data pertaining to our Website or a linked site, such as: total page views in a given time period; total impressions per ad; average amount of time that visitors spend on our Website or a linked site (or a part thereof) each time they visit; average amount of time that visitors spend on each page of any one or more parts of our Website or a linked site; percentage of visitors from a certain geographical area, etc. Moreover, we may combine “User Activity Information” (as described below) about you and other users of our Website or a linked site to generate aggregate information that reflects activities, habits, preferences, interests, etc. about our users as a group. We also collect location-based information such as zip code, city and state name. In addition, we may take PII and make it non-personally identifiable, such as by aggregating your information with information about other individuals, or by removing personally-identifiable elements (such as names) so as to “anonymize” or “de-personalize” your information.
Safe Harbor Privacy Principles
Non-Personally Identifiable Information
We may collect information (including PII) from you in different manners and at different places and times on this Website, such as when you register for this Website or subscribe to one of our Online Products. The following is a description of the areas and/or manners in which we primarily collect information about you.
Becoming a Registered User and Subscription
In order to access certain Online Products on our Website, such as our chat rooms, message boards, retirement plan database, you must first complete certain steps to become either a registered user or a subscriber. During these steps, you may be required to provide us with information (including PII), such as name, zip code and email address, and, if you subscribe to one of our Online Products, credit card and billing information. This information is used to help us understand who uses this Website, to improve this Website and our Online Products, to contact users about requested Online Products or for subscription billing purposes. It is optional for you to provide demographic information (such as profession and number of children), but providing this information is encouraged so we can provide a more personalized experience on this Website.
Cookies, Action Tags, Third Party Media and DoubleClick
We also collect AAI passively using “cookies” and “action tags.” There are other ways information can be used by third parties.
“Cookies” are small text files that are placed on your computer in order to identify (i) your Web browser (ii) the activities of your computer on this Website and (iii) your activity in connection with our advertisements and other marketing and promotional efforts. Cookies may be used to:
In addition to cookies that we place on your computer, cookies may also be placed on your computer by third parties that we use to display or serve advertisements or to collect AAI in order to provide advertising-related services. In the course of serving advertisements, our third-party advertiser may place or recognize a unique “cookie” on your browser.
You do not have to accept cookies to use this Website. However, you may not be able to use certain products, offerings, features, or resources of this Website (including our Online Products) if you do not accept cookies. Although most browsers are initially set to accept cookies, you may reset your browser to notify you when you receive a cookie or to reject cookies generally. Most browsers offer instructions on how to do so in the “Help” section of the toolbar.
“Action tags,” also known as web beacons or GIF tags, are a web technology devices used to help track anonymous website usage information, such as how many times a specific page has been viewed. Action tags are invisible to you, and any portion of this Website, including advertisements, or e-mail sent on our behalf, may contain cookies that are associated with action tags that are located on this Website. Unlike cookies, action tags are not placed on your computer.
Third Party Functionalities
Our website and linked sites contain links to and/or enables certain third-party functionalities to enhance your experience, including, without limitation, social plug-ins, tools and APIs. Prior to using any third-party functionality (e.g., Facebook “Like” button) on our website or any linked sites, you should consult the privacy notices of the third-party providers of such functionalities (e.g., Facebook), as we have no control over information that is submitted to, or collected by, such third parties, or how they may use the information. The privacy policies and data practices of such third parties may significantly differ from ours, and we make no representation or warranty whatsoever about their policies and practices. Your communications and interactions with such third parties are solely between you and them, and are at your own risk.
DoubleClick’s DART Cookie and Online Tracking and Advertising
You may also choose not to receive interest-based advertising from many ad networks, data exchanges, marketing analytics and other service providers by clicking here. We adhere to the Digital Advertising Alliance’s Self-Regulatory Principles for Online Behavioral Advertising.
If you wish to disable cookies selectively or entirely (see below about Flash Cookies or similar technologies), you may do so through your individual browser options or using special software. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective web sites.
More information on the DoubleClick DART cookie which is used by Google in the ads served on publisher websites displaying AdSense for content ads can be found here.
From time to time, we may or Third Party Advertisers may, use Flash cookies or similar technology to save your preferences or display content based upon what you view on our Website or linked sites to personalize your experience. To learn how to manage privacy and storage settings for Flash cookies, please click You should know that Flash cookies cannot be rejected, disabled, turned off, opted out, or deleted in the same way as regular cookies such as HTML cookies. Flash cookies may remain on your computer or mobile device even after you have rejected, disabled, opted out, or deleted regular cookies.
If you disable Flash cookies, you will not have full access to all products and services of our Website and linked sites, and some of our products and services may not function properly.
Public Forums and the Public Profile Feature
Emails to Veriphy℠
Does this website collect information from children under 13 years of age?
We are committed to protecting the privacy of children. This Website is not designed for or directed to children under the age of 13. We do not collect PII from any person we know is under the age of 13. We urge all parents or guardians to participate in their children’s exploration of the Internet, and to teach their children about protecting their personal information while online.
What does this Website do with the information it collects?
What We Do With the Information
As a general matter, we use information (PII and AAI) collected from and/or about our Audiences to improve our products and services so that they are appealing to as many people as possible, to administer and maintain operations of our Website or linked sites, to offer, market and advertise products and services (including those from third parties outside Veriphy℠ with whom we do business (hereinafter referred to collectively as “our Business Partners”)) to our Audiences, to administer and manage transactions and relationships with our Audiences, to personalize user experiences for our Audiences, and to build a strong community for our Audiences.
Our Own Use of Information
Marketing & Advertising Purposes:
(1) Interest-based advertising on our Website or linked sites: We may use your PII and UAI to provide to you interest-based ads (i.e., ads potentially relevant or tailored to your interests) about products and services of Veriphy℠ and/or our Business Partners. For example, we show ads inside and/or alongside the videos you watch on VeriphyRatio.com. Sometimes, these ads are based on the topics or subject matters of the videos you are watching. However, to make these ads as relevant as possible for you, we may infer your viewing interests based on videos you have previously viewed on VeriphyRatio.com, and may use this information to associate your browser with relevant interest categories and show you ads relevant to your inferred interests. For example, if your prior viewing habits on VeriphyRatio.com suggest that you are interested in a particular topic (e.g., if you often review items on that topic on VeriphyRatio.com), you may see more ads related to that topic while on VeriphyRatio.com.
(2) Email marketing: If you provide your email address or mailing address to us (such as by joining one of our mailing lists), we may use such address to send you product and service offers, promotions, and advertisements from us and/or from our Business Partners. See “Opt Out” below regarding how to opt out of our email marketing.
(3) Telemarketing: If you provide your telephone or mobile number to us, we may call you to inform you about product/service offers, promotions, and advertisements from us and/or from our Business Partners. See “Opt Out” below regarding how to opt out of our telemarketing.
(4) Mobile marketing: Subject to your PRIOR OPT IN CONSENT, we may (i) send marketing and advertising messages via SMS (Short Message Service), MMS (Multimedia Message Service), etc., to your mobile device and/or (ii) send marketing and advertising emails to your wireless email account (e.g., XYZ@att.mobile.net), to inform you about product/service offers, promotions, and advertisements from us and/or from our Business Partners. See “Opt Out” below regarding how to opt out of our mobile marketing (that is, if you wish to opt out of our further use of your information for mobile marketing after you have previously consented to such use).
NOTE: The Federal Communications Commission has published a list of domain names used by wireless service providers to transmit emails to wireless devices here. Wireless service providers must add new domain names to this list within 30 days of activating them. If your email address contains a domain name on this list (after the “@” symbol), then we will treat your email address as a wireless email address. However, the mere fact that you can retrieve emails from your regular Internet email account on your mobile/wireless device, does not make your Internet email address a “wireless” email address.
(5) Market Research Purposes: We may use AAI (including UAI and AAI derived from PII) to conduct market research and analysis for ourselves as well as for our Business Partners.
Disclosure to Third Parties Outside Veriphy℠
(1) Disclosure to our Business Partners: We may disclose, sell, and otherwise provide PII, AAI and/or UAI to our Business Partners so that they may market and advertise their products and services directly to our Audiences. See “Opt Out” below regarding how to opt out of such information sharing.
Please note, however, that we do not knowingly disclose or sell any of the following (if and to the extent collected by us) to our Business Partners for their separate marketing and advertising purposes (except with your prior opt-in consent): credit card number, debit card number, bank account number, and other financial account information; Social Security numbers, or other government-issued identifiers; personal health and medical information; information about personal sexual behavior or orientation; information pertaining to children under the age of 13 at the time of collection; and information indicating the precise real-time geographic location of an individual derived through location-based services such as through GPS-enabled devices (hereinafter referred to collectively as “Sensitive Information”).
In addition, from time to time, we may co-sponsor events and/or product/service offerings with third parties. If you participate in such co-sponsored events or offerings, any PII and UAI we collect from you based on your participation may be shared with our co-sponsors who may use such information for their own marketing and advertising purposes. YOU MUST CONTACT OUR CO-SPONSORS DIRECTLY IN ORDER TO OPT OUT OF THEIR USE OF YOUR INFORMATION FOR MARKETING AND ADVERTISING PURPOSES.
(2) Disclosure to our Service Providers: We may disclose PII and UAI to our outside vendors and contractors who need to access such information in order to perform services (including, without limitation, transaction/payment processing, order fulfillment, contest/sweepstakes administration and prize fulfillment, data research and analysis, data collection and processing, data storage, data security, hosting and technical support for our Website or linked sites, and marketing and advertising support) for us (hereinafter referred to collectively as “our Service Providers”). Generally, we require that our Service Providers use your information shared by us solely for the purposes of performing services for us and that they maintain the confidentiality, security and integrity of such information and not further disclose the information to others.
Laws and Legal Rights
We may also disclose your information (including PII) if we believe in good faith that we are required to do so in order to comply with an applicable statute, regulation, rule or law, a subpoena, a search warrant, a court or regulatory order, or other valid legal process. We may disclose PII in special circumstances when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms and Conditions or to protect the safety or security of our users, this Website or the general public.
Third Parties Generally
We may provide to third parties information about you that does not allow you to be identified or contacted, including where such information is combined with similar information of other users of this Website. For example, we might inform third parties regarding the number of unique users who visit our Website, the demographic breakdown of our registered user of our Website, or the activities that visitors to our Website engage in while on this Website. The third parties to which we may provide this information may include potential or actual advertisers, providers of advertising services (including website tracking services), commercial partners, sponsors, licensees, researchers and other similar parties.
Third Party Sellers
Sale of Business
Disclosure to or by Co-branded Channel Partners
Is the information collected on this website secure?
Notwithstanding the above commitments to protect your information (including PII) from loss, misuse or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the Internet. There is also some risk that others could find a way to thwart our security systems. As a result, while we strive to protect your information, we cannot ensure or warrant the security and privacy of any information you transmit to us, and you do so at your own risk.
What choices do I have regarding the collection, disclosure and distribution of personally identifiable information?
Users of this Website are notified when PII is being collected by third parties on this Website. We do this so you can make an informed choice as to whether you should disclose information to a third party.
Information Access & Opt -Out
If you have an active user account on our Website or a linked site, you may access and update your user account information and preferences at any time (subject to the scheduled maintenance of our Website or a linked site), by logging into your account and clicking on “My Account” and then changing your preference.
If you do not have an active account on the Website, or if you have provided your information to us offline, you may request to access, delete, update and correct your information as stored by us, by sending your request to us at Veriphy, LLC, 3350 Riverwood Pkwy, Suite 1900, Atlanta, Georgia 30339, Attention: Update My Information. Your request will be processed as soon as possible.
You can opt out of all our marketing uses (including email marketing, mobile email marketing, mobile message marketing, and telemarketing) of your PII and UAI (if personally identifiable) as well as our sharing of your PII and UAI (if personally identifiable) with our Business Partners for their marketing uses by sending your request via postal mail at Veriphy℠, LLC, 3350 Riverwood Pkwy, Suite 1900, Atlanta, Georgia 30339, Attention: Remove From Email List.
We will endeavor to honor your request no later than 10 days after receipt (or within such applicable time period as required by law). To ensure timely processing of your request, please expressly state in your letter or email that you wish to opt out of all further uses and sharing by Veriphy℠ of your personal information for marketing purposes. Your opt out election, once processed by us, will stop, on a going-forward basis, all further marketing uses and sharing of your PII and UAI (if personally identifiable) by Veriphy℠.
In addition, with respect to certain marketing uses of your PII and UAI (if personally identifiable), you may exercise your opt-out choice through the following alternative methods:
HOWEVER, please note the following:
We will retain your PII for as long as your account is active or as needed to provide you products or services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. AAI and UAI (if not personally identifiable) may be retained indefinitely.
Can I update or correct my Personally Identifiable Information?
You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your PII may exist in a non-erasable form that will be difficult or impossible for us to locate. Promptly after receiving your request, all PII stored in databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as reasonably practicable.
Whom do I contact if I have any privacy questions?
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