Please carefully read our privacy practices; however, keep in mind that our websites contain links to other sites and we occasionally allow other sites to be co-branded with the Privatebanking.com name. Web sites that are linked to the Company's sites or carry the Privatebanking.com or Investor.Info brand for co-branding or marketing purposes may have privacy policies which differ from that of this site.
What information we collect
In order to better understand your needs and preferences we must collect information so that we can make appropriate changes and improvements to our sites. While you are not required to register for any services on our sites, some Products and Services may not function properly or may not be accessible unless you do.
Information collected online is usually defined as being either anonymous or personally identifiable. Anonymous information refers to data that cannot be tied back to a specific individual. For example, the Company collects some information each time a visitor comes to a privatebanking.com site so we can improve the overall quality of the visitor's online experience. The Company may or may not collect the visitor's IP address (e.g., whether the user is logged on from ibm.com or aol.com), referral data (e.g., the Internet address of the last Web page visited by a user before clicking over to the Privatebanking.com site), and browser and platform type (e.g., a Netscape browser on a Macintosh platform). The Company also collects aggregate search terms from its site search function and for internal reporting and targeted advertising. The Company collects this user information for purposes of product monitoring, product improvement, and targeted advertising. You do not have to register with privatebanking.com before we can collect this anonymous information.
Personally identifiable information refers to data that tells us specifically who you are, such as your name and postal address, which may be collected in addition to the anonymous data described above. The Company collects personal information in the following ways from different parts of its network of Web sites:
Privatebanking.com Registration: When you register to use one or more sites you provide the Company with your name, postal address, Postal/ZIP Code, email address, birth date, gender, telephone number, occupation, marital status and other information. While not all of this data is required for our services to function, we are better able to customize your experience if you volunteer to submit complete and accurate information. Users who complete the registration process are given a Privatebanking.com ID and can take full advantage of the many offerings and services across the sites.
Other Registration: In addition to registration for various services on our website, we may ask you for personal information at other times, including when you enter a sweepstakes, contest or promotion sponsored by us. Be aware that our co-brand partners may also ask for personal information. If you purchase any services/goods or elect to pledge an amount in favour of a charity listed on our websites, we or the third party with whom you choose to transact will ask for a valid credit card number. If you decide not to provide the requested information, the Company or a third party may not be able to offer you some of the personalized services that depend on this type of information to function.
Correspondence: If you contact us, we may keep a record of that correspondence. We may or may not collect email addresses of those who communicate with us via email. We also use the information provided so that we may respond to the email.
Who is collecting the information
When you register for a service within the Privatebanking.com website, that information is generally collected and maintained solely by the Company unless specifically stated otherwise at the point of collection. If data is collected and/or maintained by any other company (third party), we will tell you at the point of collection. If you do not want to share your information with that specified entity, you can choose not to use that service.
We may run promotions and sweepstakes. These promotions may be sponsored or co-sponsored by third-party companies. Data collected during a promotion is typically shared with the sponsor or co-sponsor. We will inform you at the point of collection whether or not we are sharing your personal data as a result of your participation in a promotion or sweepstakes. If you do not want to have us share your data, you can choose not to participate in the promotion or sweepstakes.
What "cookies" and "Web beacons" are and how they are used
In addition to the personally identifiable information that we actively collect when you register, we also collect anonymous information passively using cookies and Web beacons. This technology plays an important role in making the Internet work, but there is much confusion among Internet users about what cookies and Web beacons are and how they are used.
A cookie is a small text file containing a unique identification number that is transferred from a Web site to the hard drive of your computer so that the site administrator may identify your computer and passively track its activities on the Web site. This unique number identifies your Web browser to our computer system whenever you visit one of the Privatebanking.com sites. A cookie will not allow a Web site to learn any personally identifiable information (such as your real name and address) that you have not otherwise disclosed.
Prevent others from using your account. On some Privatebanking.com sites, cookies help us efficiently determine that only one user is logged on under the same member name at a time.
Measure statistics such as audience size and traffic patterns. This information is only collected in aggregate form and will not be linked to your personally identifiable information.
Web beacons, also known as clear GIFs or single-pixel GIFs, are small image files that we may place on Web pages and within Web-based email newsletters that we send. Working in conjunction with cookies, Web beacons allow us to accurately count the number of unique users who have visited a specific page on Privatebanking.com's sites and the number of times those pages are displayed. We can also use Web beacons to let us know how many people opened a Web-based email newsletter. This information is only collected in aggregate form and will not be linked to your personally identifiable information.
Without cookies and Web beacons, it would be difficult for the Company to know which services have a larger audience than others. Tracking audience size helps us to better understand when to launch new services and enhance the current offerings. Keep in mind that any image file on a Web page can act as a Web beacon.
How the information is used
Any personally identifiable information you share with the Company when registering for Products and Services at any of our Web sites is maintained and accessible only by the Company unless specifically stated otherwise. The Company requests information from its users so that users can enjoy customized experiences across our sites, including personalization services, interactive communications, online games and much more. Most of these Products and Services are available to you at no cost, Privatebanking.com's main activity is to displays advertisements so that we can continue to provide great content and services free of charge. We can also better prepare future content based on your interests.
We also use the aggregate data to perform statistical analyses of the collective characteristics and behavior of our registered users and visitors, to measure user demographics and interests regarding specific areas of the Company's sites, and to analyze how and where best to use our resources. We do not track what pages individual users are browsing, but rather how well each page performs overall. Without such data, we would not know which parts of the Company's websites are the most popular, and we would not be able to change and update the content and services appropriately.
The company collects an aggregate list of search terms from its site search module. This information is collected anonymously and used primarily for the purposes of product development, monitoring, and improvement, as well as targeted advertising. Please note, however, that we may share this anonymous information with third-party companies.
Sometimes we use an individual registered user's data to "pre-populate" online forms that are displayed for the purpose of collecting additional individual data by the Company, selected third-party sites, and/or sponsors and advertisers.
We may, from time to time, use your information to contact you about changes or enhancements to Products and Services on the Company's sites, issues regarding your account, or the Company's Terms of Service violations or suspensions.
If you enter a sweepstakes or a contest anywhere on the Company's sites, we will use the information you provided to contact you in the event you win.
If you told us that you were interested in receiving offers or information from selected sponsors and advertisers, We or third parties on our behalf will send you email about products and services that we feel may be of interest to you. For those who elect to receive such materials directly from selected sponsors or advertisers, we will release personally identifiable information to the applicable sponsor or advertiser. Information released includes name, email address, postal address and other information supplied in the Company's website registration process. We may also combine information we have about you with information we obtain about you from third parties for the purpose of providing you with more appropriate products, services, and offerings.
Subscription Customers: Your credit card information is used to collect your current and/or recurrent subscription/service fees for purchased goods and/or services. Your credit card information could also be used to verify the age of a parent or guardian in such cases the credit card will not be charged.
With whom the collected information is shared
By providing the Company with your personally identifiable information, you authorize us to internally share that information with other companies and or divisions of our group, including companies that become part of our group in the future.
As described below, the Company will sometimes share personally identifiable information with third-party companies and organizations. In most cases, you agree to share your information when you choose to register at a co-branded Web site. Co-branded sites are operated by third-party companies and offer a particular service or product to the Company's website members. We may also maintain private label relationships where a third-party company provides us with technology, services and/or content under the Company's branding.
Whenever you provide registration information on co-branded or private label sites, that data may be shared with the third-party company providing the service. You should make every effort to read the individual privacy policies of such third parties and make an informed decision on your own whether or not to continue based upon these sites' privacy practices and your own discretion. You may opt-out of sharing your information with such providers by choosing not to use that service or content.
When you find goods or services through the Company's website, you submit data directly to the individual merchants from whom you order goods or services. Please review carefully the privacy policies of any particular merchants that you access through our site.
Our opt-out policy
You can opt out of sharing your personally identifiable information with any third-party service or content providers in any areas of the Company's website by choosing not to use such areas.
In addition, all The Company newsletters and direct email communications have easy-to-follow unsubscribe instructions at the bottom of each email.
What we do to protect against the loss, misuse or alteration of your information
The Company has security measures in place to attempt to protect against the loss, misuse and alteration of your user data under our control. We use physical, electronic, and procedural safeguards to protect any personally identifiable data stored on our computers. Only authorized employees have access to the information you provide us. Any particularly sensitive information, such as a credit card number used to purchase services is encrypted prior to transmission.
While we cannot guarantee that loss, misuse or alteration to data will not occur, we take many precautions to prevent such unfortunate occurrences.
You are ultimately responsible for the security of your access ID and password. Please take care when using and storing them. We recommends that you do not divulge your password to anyone. You should log out of your browser at the end of each computer session to ensure that others cannot access your personal information and correspondence, especially if several people have access to your personal computer or you are using a computer in a public place like a library or Internet cafe.
What you can do to better protect yourself on the Internet