Announcing a new collaboration with the RIOT Investment Society!
Effective date: August 1, 2022
2. Personal Data
Categories of Personal Data We Collect
This chart details the categories of Personal Data that we collect and have collected over the past 12 months:
·Type of device/operating system/browser used to access the Services
·Browsing or search history
·Web page interactions
·Referring webpage/source through which you accessed the Services
·Service Providers ·Analytics Partners
Professional or Employment-Related Data
·Professional work field (optional)
·IP-address-based location information
Other Identifying Information that You Voluntarily Choose to Provide
·Identifying information in emails or letters you send us ·User encrypted API keys and unencrypted application settings
Categories of Sources of Personal Data
We collect Personal Data about you from the following categories of sources:
oWhen you provide such information directly to us.
§When you create an account or use our interactive tools and Services.
§When you voluntarily provide information in free-form text boxes through the Services or through responses to surveys or questionnaires.
§When you send us an email or otherwise contact us.
oWhen you use the Services and such information is collected automatically.
§Through Cookies (defined in the “Tracking Tools, Advertising and Opt-Out” section below).
§If you use a location-enabled browser, we may receive information about your location.
§If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services, such as information regarding when you are logged on and available to receive updates or alert notices.
§We may use analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support.
§We may use vendors to obtain information to generate leads and create user profiles.
oSocial Networks/Communication Platforms
§If you provide your social network account credentials to us or otherwise sign in to the Services through a third-party site or service , or if you use some of our Services (such as bots) on third party communication platforms (such as Discord, Slack, and Telegram), some content and/or information in those accounts may be transmitted into your account with us.
Our Commercial or Business Purposes for Collecting Personal Data
·Providing, Customizing and Improving the Services
oCreating and managing your account or other user profiles.
oProcessing orders or other transactions; billing.
oProviding you with the products, services or information you request.
oMeeting or fulfilling the reason you provided the information to us.
oProviding support and assistance for the Services.
oImproving the Services, including testing, research, internal analytics and product development.
oPersonalizing the Services, website content and communications based on your preferences.
oDoing fraud protection, security and debugging.
oCarrying out other business purposes stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (the “CCPRA”).
·Marketing the Services
oMarketing and selling the Services.
oShowing you advertisements, including interest-based or online behavioral advertising.
·Corresponding with You
oResponding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about OpenBB or the Services.
oSending emails and other communications according to your preferences or that display content that we think will interest you.
·Meeting Legal Requirements and Enforcing Legal Terms
oFulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities.
oProtecting the rights, property or safety of you, OpenBB or another party.
oEnforcing any agreements with you.
oResponding to claims that any posting or other content violates third-party rights.
We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated or incompatible purposes without providing you notice. If you are a California resident, please note that we only use or disclose your sensitive personal information for the purposes set forth in section 7027(m) of the CPRA regulations and we do not collect or process sensitive personal information with the purpose of inferring any characteristics about California residents.
·Analytics Partners. These parties provide analytics on web traffic or usage of the Services. They include:
oCompanies that track how users found or were referred to the Services.
oCompanies that track how users interact with the Services.
·Business Partners. These parties partner with us in offering various services. They include:
oCompanies that we partner with to offer joint promotional offers or opportunities.
·Parties You Authorize, Access or Authenticate
oThird parties you access through the services.
oSocial media services.
We may share any Personal Data that we collect with third parties in conjunction with any of the activities set forth under “Meeting Legal Requirements and Enforcing Legal Terms” in the “Our Commercial or Business Purposes for Collecting Personal Data” section above.
All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.
Data that is not personal data
We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.
4. Tracking Tools, Advertising and Opt-Out
We use the following types of Cookies:
oEssential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
oFunctional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
oPerformance/Analytical Cookies such as Cloudflare allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services.
oPerformance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising.
You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.
To explore what Cookie settings are available to you or to modify your preferences with respect to Cookies, you can access your cookie management settings by navigating to the my.openbb.co and clicking manage cookies on settings page. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/ or https://ico.org.uk/for-the-public/online/cookies/ if you are located in the European Union.
We may serve advertisements, and also allow third-party ad networks, including third-party ad servers, ad agencies, ad technology vendors and research firms, to serve advertisements through the Services. These advertisements may be targeted to users who fit certain general profile categories or display certain preferences or behaviors (“Interest-Based Ads”). Information for Interest-Based Ads (including Personal Data) may be provided to us by you, or derived from the usage patterns of particular users on the Services and/or services of third parties. Such information may be gathered through tracking users’ activities across time and unaffiliated properties, including when you leave the Services. To accomplish this, we or our service providers may deliver Cookies, including a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Web beacons allow ad networks to view, edit or set their own Cookies on your browser, just as if you had requested a web page from their site.
5. Data Security
We seek to protect your Personal Data from unauthorized access, use and disclosureusing appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. You should also help protect your data by appropriately selecting and protecting your password and/or other sign-on mechanism; limiting access to your computer or device and browser; and signing off after you have finished accessing your account. Although we work to protect the security of your account and other data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.
6. Data Retention
We retain Personal Data about you for as long as necessary to provide you with our Services or to perform our business or commercial purposes for collecting your Personal Data. When establishing a retention period for specific categories of data, we consider who we collected the data from, our need for the Personal Data, why we collected the Personal Data, and the sensitivity of the Personal Data. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.
We retain your profile information and credentials for as long as you have an account with us.
We retain your payment data for as long as we need to process your purchase or subscription.
We retain your device/IP data for as long as we need it to ensure that our systems are working appropriately, effectively and efficiently.
7. Personal Data of Children
8. California Resident Rights
If you are a California resident, you have the rights set forth in this section. Please see the “Exercising Your Rights” section below for instructions regarding how to exercise these rights. Please note that we may process Personal Data of our customers’ end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Data as a service provider, you should contact the entity that collected your Personal Data in the first instance to address your rights with respect to such data.
You have the right to request certain information about our collection and use of your Personal Data over the past 12 months. In response, we will provide you with the following information:
·The categories of Personal Data that we have collected about you.
·The categories of sources from which that Personal Data was collected.
·The business or commercial purpose for collecting or selling your Personal Data.
·The categories of third parties with whom we have shared your Personal Data.
·The specific pieces of Personal Data that we have collected about you.
If we have disclosed your Personal Data to any third parties for a business purpose over the past 12 months, we will identify the categories of Personal Data shared with each category of third party recipient. If we have sold your Personal Data over the past 12 months, we will identify the categories of Personal Data sold to each category of third party recipient.
You have the right to request that we delete the Personal Data that we have collected about you. Under the CCPRA, this right is subject to certain exceptions: for example, we may need to retain your Personal Data to provide you with the Services or complete a transaction or other action you have requested or if deletion of your Personal Data involves disproportionate effort. If your deletion request is subject to one of these exceptions, we may deny your deletion request.
You have the right to request that we correct any inaccurate Personal Data we have collected about you. Under the CPRA, this right is subject to certain exceptions: for example, if we decide, based on the totality of circumstances related to your Personal Data, that such data is correct. If your correction request is subject to one of these exceptions, we may deny your request.
Processing of Sensitive Personal Information Opt-Out
We collect Personal Data that is considered “Sensitive Personal Information” under the CPRA. Because we use or disclose Sensitive Personal Information for purposes other than those set forth in section 7027(m) of the CPRA regulations, California residents have the right to request that we limit the use or sharing of their Sensitive Personal Information (“Right to Limit”). The Right to Limit allows California residents to direct a business that collects Sensitive Personal Information to limit its use of this information to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services, to perform the services set forth in paragraphs (2), (4), (5), and (8) of subdivision (e) of Section 1798.140, and as authorized in the CPRA regulations. You may exercise your Right to Limit by using the following methods: You can complete the online form found here: Limit the Use of My Sensitive Personal Information, or Submit a form at this address: firstname.lastname@example.org
Opt-Out of Certain Processing Activities
You have the right to opt-out of the processing of your Personal Data for targeted advertising purposes. [We process your Personal Data for targeted advertising purposes. To opt-out of our processing of Personal Data for targeted advertising purposes, please [insert description]][We do not process your Personal Data for targeted advertising purposes.] You have the right to opt-out to the sale of your Personal Data. [As discussed in the “Personal Data Sales Opt-Out and Opt-In” and “Personal Data Sharing Opt-Out and Opt-In” under the “California Resident Rights” section, some of our data sharing relationships constitute a “sale” as defined by the Virginia Consumer Data Protection Act (“VCDPA”).][We do not currently sell your Personal Data as defined under the VCDPA]. You have the right to opt-out from the processing your Personal Data for the purposes of profiling in furtherance of decisions that produce legal or similarly significant effects to you, if applicable.
Appealing a Denial
If we refuse to take action on a request within a reasonable period of time after receiving your request in accordance with this section. In such appeal, you must (1) provide sufficient information to allow us to verify that you are the person about whom the original request pertains and to identify the original request, and (2) provide a description of the basis of your appeal. Please note that your appeal will be subject to your rights and obligations afforded to you under the VCDPA. We will respond to your appeal within 60 days of receiving your request. If we deny your appeal, you have the right to contact the Virginia Attorney General using the methods described at https://www.oag.state.va.us/consumer-protection/index.php/file-a-complaint. You may appeal a decision by us using the following methods: Email us at: email@example.com (title must include “VCDPA Appeal”) Submit a form at this address: firstname.lastname@example.org
Exercising Your Rights under CPRA and VCPDA
Personal Data Sales Opt-Out and Opt-In
In this section, we use the term ‘sell’ as it is defined in the CCAR.
We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA
We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA. However, we may offer different tiers of our Services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates or levels of quality of the goods or services you receive related to the value of Personal Data that we receive from you.
9. Other State Law Privacy Rights
California Resident Rights
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at email@example.com.Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services that you do not wish such operators to track certain of your online activities over time and across different websites. Our Services do not support Do Not Track requests at this time. To find out more about “Do Not Track,” you can visit www.allaboutdnt.com.
Nevada Resident Rights
If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at firstname.lastname@example.org with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note that we do not currently sell your Personal Data as sales are defined in Nevada Revised Statutes Chapter 603A.
Virginia Resident Rights
10. Contact Information