Privacy policy
Information collected and used by Spruce Street Research
Disclosure of Information to Non-affiliated Third Parties
Spruce Street Research and Affiliates (”Companies”) will disclose nonpublic personal information about you to other market participants that provide goods and services. The Companies may also disclose aggregate, anonymous data to investors and potential partners based on information collected from Users. You authorize us, or a marketing partner, to contact you with exciting new offers and information, via email and automated telephone messages, even if you are listed on a Do Not Call Registry. Users may opt out of the Companies disclosure to nonaffiliated third parties by following the instructions in the opt out section of this privacy policy. We may also disclose nonpublic personal information about you as permitted by law.
Privacy
Users’ privacy is very important to us. Companies are committed to safeguarding the information Users entrust to Companies. This Web site is not directed at individuals under 18 years of age.
Consent to Receive Privacy Notice and Opt Out Notice Via this Web Site
By acknowledging receipt of this privacy notice, you the customer also consent to receive your annual notice of the privacy policy, as required by FTC regulation, via this web site. By acknowledging receipt of this privacy notice, you the customer also consent to receive your opt out notice and opportunity to opt out, as required by FTC regulation, via this web site.
The Information We Collect
This Privacy Policy applies to consumers that have signed up on this website and all affiliated website links and products. We may sell the personal information that you supply to us and we may work with other third party businesses to bring selected retail opportunities to our members via direct mail, email, telemarketing and SMS. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.
Companies may collect nonpublic personal information from User in a variety of ways, including online forms for ordering products and services, and other instances where Users are invited to volunteer such information. The type of information we collect from consumers includes, but is not limited to: Name, Last Name, Address1, Address2, City, State, Zip Code, Phone Number, Email Address, IP Address, TimeDate Stamp and any information required to process an application to receive the product being offered within the site.
Companies may also collect information about how Users use our Web site, for example, by tracking the number of unique views received by the pages of the Web site or the domains from which Users originate. We may use “cookies” to track how Users use our Web site. A cookie is a piece of software that a Web server can store on the Users’ PC and use to identify the Users should they visit the Web site again. While not all of the information that we collect from Users is nonpublic personal information, it may be associated with nonpublic personal information that Users provide us through our Web site.
How We Use Information
Companies collect nonpublic personal information from its Users in order to match Users with lenders and brokers. By submitting the application, Users consent to the disclosure of their nonpublic personal information to these lenders and brokers. The lenders and brokers may contact you directly after they receive your nonpublic personal information. Companies may also use information collected through our web site for research regarding the effectiveness of the web site and Company’s marketing and advertising efforts.
Maintenance of Information & Security
Information about Users that is maintained on our systems is protected using industry standard security measures that includes but is not limited to security measures in place to protect the loss, misuse and alteration of the information under our control. All data is protected using the most advanced methods available. We do not store financial information, credit card numbers or personal information like social security numbers on this Web site. However, due to the nature of the Internet, computer networks, systems and other factors, we cannot guarantee that the information submitted to, maintained on, or transmitted from our systems will be completely secure.
Use of IP Addresses
An IP (Internet Protocol) address is a number that is assigned to your computer when you use the Internet. Your IP address does not contain any nonpublic personal information about you. Companies collect IP addresses for the purposes of system administration, to report aggregate information to our advertisers, and to ensure the validity of customer requests.
Web Site Links
This Web site may contain links to other Internet web sites. We are not responsible for the privacy practices or the content of such Internet web sites.
Opt Out Notice and Opportunity to Opt-Out
Companies may disclose nonpublic personal information about you the customer to nonaffiliated third parties, as previously described in this privacy policy. You have the right to opt out of this disclosure at any time before or after you submit nonpublic personal information. If you wish to opt out, please
Spruce Street Research collects user-submitted information including name, email address, and age to verify new accounts and send notifications regarding Spruce Street Research’s services. Spruce Street Research collects additional data that is included in member profiles. This data includes but is not limited to: occupation, interests, school affiliations, gender, and location.
We also collects non-personally identifiable information including IP address and browser type to help run the site more efficiently.
Use of information members submit to Spruce Street Research
Email addresses are used to send notifications related to the service(s) the user has signed up for, as a confirmation when a Spruce Street Research member has requested to add another member as a friend, and to invite new friends to join Spruce Street Research. A user may choose to stop receiving email notifications from Spruce Street Research at any time by clicking the unsubscribe link at the bottom of the email. When the user sends email or other communication to Spruce Street Research, Spruce Street Research may retain those communications in order to process the user’s inquiries, respond to the user’s requests and improve Spruce Street Research’s services.
The specific use of a user’s personal information will be defined at the point of collection. Should Spruce Street Research wish to change anything regarding the use of a user’s personal information, a prominent notice will be displayed on the website.
Use of non-personally identifiable information
Spruce Street Research uses your IP address and browser type for the general administration of the website. Demographic information you provide such as age, postal code, gender and country of residence may be used to target surveys, advertisements and special offers. In cases where advertisements are being displayed by a third-party, non-personally identifiable information may be passed to the third-party to allow for targeting.
grant permission through an opt-in process. Spruce Street Research reserves the right to transfer personal information to a successor in interest that acquires rights to that information as a result of the sale of Spruce Street Research or substantially all of its assets to that successor in interest.
Communications to Non-members
When members choose to use Spruce Street Research’s Invite-a-Friend service, the member is prompted to input their friend’s email address. Spruce Street Research will automatically send an email to that address with a message inviting the recipient to join the Spruce Street Research community. Spruce Street Research stores these email addresses for the purpose of automatically adding the invitee to the member’s friend list upon signing up. Spruce Street Research will not send more than one follow up email to an invitee for any given peer referral. Should the invitee explicitly decline to join Spruce Street Research and opt out of receiving any future emails, Spruce Street Research will cease to send the receiver any future emails, even if additional peer referrals are given.
Use of cookies
Spruce Street Research uses cookies to manage sessions on the site, remember user preferences, and to ensure members do not continually see the same advertisements. Cookies must be enabled in order for members to use Spruce Street Research services. Information stored in cookies will never contain any personally identifiable information.
Links
Spruce Street Research contains links to other websites. Spruce Street Research is in no way responsible for the privacy practices employed by other sites. Such websites may independently collect data, solicit personal information, or send their own cookies to your computer. Spruce Street Research is not responsible for any use of the information, including click-stream data, and you may create and disclose when visiting such third party sites. This privacy policy applies solely to information collected by Spruce Street Research.
Correcting/updating information
Members can update their information at any time by logging in to Spruce Street Research and editing their information. The user may also request a copy of the personal information Spruce Street Research has on record for their account by sending a self-addressed., stamped envelope to the following address:
Spruce Street Research
Security
All Spruce Street Research member accounts are password-protected. Spruce Street Research goes to great lengths to protect the information our members have provided us. Access to this information is limited to only the employees who need it in order to perform their job function (e.g. Customer Service Representatives). Please note that while Spruce Street Research employs the best commercially reasonable measures of security, we do not guarantee account security. Hardware/software failure, unauthorized access, and other factors may lead to a breach in Spruce Street Research security. Should you have any questions regarding this, please contact us.
Email choice/opt-out
Should a member of Spruce Street Research wish to stop receiving notification emails from the site, or cancel their membership to the site altogether, they can log on and make the required changes to their account profile. There are also instructions on how to opt out of receiving future emails included at the bottom of every email sent from Spruce Street Research. Spruce Street Research will honor all requests for cancellation within 10 days.
Requests for opting out of receiving emails or account cancellation may also be sent by mail or over the phone. Spruce Street Research will honor these requests within 10 days. All such requests are considered final and the user will not receive any further emails from Spruce Street Research unless explicit permission is granted at a later date.
Third party advertising
A portion of the advertisements seen on Spruce Street Research are delivered to users by third-party advertising partners. These partners may use cookies when showing ads to users. These cookies may be used to determine which site the advertiser’s advertisement was displayed on and whether or not the user interacted with the advertisement. This information helps advertising partners deliver targeted advertisements that will be most relevant to you. Spruce Street Research does not have access to the cookies placed by third parties. Spruce Street Research privacy statement applies only to Spruce Street Research and does not apply to use of cookies by any third parties.
Changes in our privacy policy
Spruce Street Research reserves the right to change this privacy policy at any time. In the event that this policy is significantly changed, these changes will be posted to the site. If any changes are made that affect the nature or intent of this privacy policy, users will be informed of these changes via email.
Should Spruce Street Research wish to use member’s personally identifiable information in a way materially different than that which was posted at the time a user submitted this information, Spruce Street Research will notify members either via email or by posting a prominent notice on the site.
California Online Privacy Protection Act
Under California law, individual customers who reside in California and have provided personal information to Spruce Street Research may request information about our disclosing of certain categories of personal information to third parties for direct marketing purposes. These requests must be submitted to privacy@sprucestreetresearch.com. Within 45 days of receiving such a request, Spruce Street Research will provide a list of the types of information disclosed to third parties for direct marketing purposes during the immediately preceding calendar year and the names and addresses of those parties.
Individual customers who reside in California may also choose to opt out of providing information to third parties for direct marketing purposes by canceling their account at any time.
If you have any questions or comments about Spruce Street Research’s Privacy Policy, please contact us using one of the methods below:
LAST UPDATED 10/27/2009