This policy was last updated on April 2, 2009
This Website (”Company Website”) is operated by YoungInvesteneur and this policy applies to all websites owned, operated, controlled and otherwise made available by YoungInvesteneur, its affiliates and supported organizations (including, but not limited to, mirrored, co-branded and successor sites). Our office address is:
YoungInvesteneur
11645 Montana Avenue
Suite 318
Los Angeles, CA 90049
We may be reached via email at privacy@younginvesteneur.com
YoungInvesteneur.com (”YoungInvesteneur” or “The Company”) has created this privacy statement in order to demonstrate our strong commitment to privacy. YoungInvesteneur is deeply committed to respecting and protecting your right to privacy and takes your privacy seriously. We have very strict privacy policies and we strive to keep your personal and financial information secure. To that end, we have prepared this privacy policy to disclose and describe our information gathering and dissemination practices for this website.
Most of all, we value your privacy . We do not sell, rent, loan, or give your email address or other personal information to anybody and will never do so.
Collection of your Personal Information
You can visit most pages on our site without giving us any information about yourself. But sometimes we do need information to provide services that you request, and this privacy policy explains data collection and use in those situations. Please read the complete Younginvesteneur.com privacy policy below in conjunction with our Terms and Conditions, below.
* This privacy policy covers our treatment of personally identifiable information that we collect when you are on our site, and when you use our services.
* We pledge to hold all information you provide to us in absolute privacy.
* We will NEVER sell or rent your name or personal information to any third party without your express permission.
* We NEVER sell or rent our mailing list.
* Only authorized employees may access your information.
All employees are required to adhere to our strict privacy policies and any employee who violates the privacy policy is subject to termination and other disciplinary measures, up to being criminally prosecuted for their violation.
Use of Your Personal Information
Our site uses cookies to save your username and password if you become a member and decide to use the “Remember Me” option. This means you don’t have to re-enter these items each time you visit our site. You can always logout which will delete this cookie from your computer.
We may track and store geolocation information related to your IP address. This information may be used to provide you with the most relevant material, as well as allow for more effective communications.
Additionally, we use session variables to aid in the development of various features on the site. These session variables disappear after 20 minutes or when the user exits a browser. Thus, this information is not stored for any reason other than as indicated.
The user’s contact information is also used to send a newsletter if you are a member or subscribe to the newsletter. Special offers are sometimes sent to subscribers as well on behalf of third parties. But these third parties do not have access to your information since we alone send out the emails. However, all recipients of the newsletter may opt-out of receiving future newsletters or offers when so desired, and are given opportunity to opt-out of these emails at any time - at the bottom of each newsletter.
Additionally, users have the option of offering certain information for the purpose of matching users with what YoungInvesteneur determines to be the most appropriate financial service professional based on the criteria entered. YoungInvesteneur uses this information solely for this purpose and this information is never given to a financial service professional. Rather the information is used solely by YoungInvesteneur. The user will likely have to offer the same information to a financial service professional before entering into a relationship with that professional. Users of the site always have the option to reject the financial service professional’s proposal.
We may also use personal information in a manner that does not identify you specifically nor allow you to be contacted but does identify certain criteria about our users in general. For example, we may inform third parties about the number of registered users, number of unique visitors, and the pages most frequently browsed.
Aside from these uses of user information - and we have no knowledge of this information except at an anonymous level - we do not sell, nor plan to sell any user information to anyone.
Protection of Children’s Personal Information
YoungInvesteneur does not knowingly collect any personal information from children under the age of 13. While our website may be viewed by children, we do not wish to receive data from children. YoungInvesteneur.com is not intended to solicit information of any kind from children under the age of 13, and we have made commercially reasonable efforts to design this Company Website to prevent our knowing acceptance of any such information.
It is possible that by fraud, deception or error, we may receive information pertaining to children under the age of 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of personal information belonging to a child under the age of 13, please do so by emailing us.
YoungInvesteneur encourages parents and guardians to spend time online with their children and to participate in the interactive activities offered on the sites their children visit.
Links to Third Party Sites
This website contains links to other web sites that are not controlled by YoungInvesteneur (”Third Party Sites”). Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. The YoungInvesteneur Privacy Policy applies solely to information collected by this website.
Changes to this Privacy Policy
YoungInvesteneur will occasionally update this privacy policy. When we do, we will also revise the “last updated” date at the top of the privacy policy. For material changes to this statement, YoungInvesteneur will notify our users by placing prominent notice on the site.
Unsubscribing, Removing or Modifying Your Information
We want to communicate with you only if you want to hear from us.
You may unsubscribe from receiving emails from us at any time by using the link included at the bottom of each email communication. You may also unsubscribe by sending us an email.
In some limited circumstances, such as to resolve disputes, troubleshoot problems and enforce our Website Terms and Conditions of Use Agreement, we may retain in our files information you have requested to remove. Further, your personal information is never completely removed from our databases due to technical constraints and the fact that we back up our systems. Therefore, you should not expect that all of your personal information will be completely removed from our databases in response to your requests.
Enforcement of this Privacy Policy and Contact Information
YoungInvesteneur welcomes your comments regarding our privacy policy.
IF FOR ANY REASON YOU BELIEVE THAT YOUR PRIVACY HAS BEEN BREACHED THROUGH THE USE OF OUR SITE, YOU MAY CONTACT US IMMEDIATELY BY E-MAIL, AND WE WILL DO OUR BEST TO PROMPTLY DETERMINE AND CORRECT THE PROBLEM.
YoungInvesteneur.com Terms of Use
PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE.
By using the YoungInvesteneur.com World Wide Web site, you agree to follow and be bound by these terms of use and agree to comply with all applicable laws and regulations. If you do not agree to these terms of use, please do not use this Site. We may revise these terms of use at any time without notice to you. If you have any questions about these terms of use, please contact us by E-MAIL.
Please also refer to the YoungInvesteneur.com Privacy Policy, which is incorporated by reference herein.
1. Ownership. This Site (YoungInvesteneur.com) is owned and operated by YoungInvesteneur. All right, title and interest in and to the materials provided on this Site, including but not limited to information, documents, logos, graphics, sounds, and images (the “Materials”) are owned either by YoungInvesteneur or by its respective third party authors, developers, or vendors (”Third Party Providers”). Except as otherwise expressly provided by YoungInvesteneur, none of the Materials may be copied, reproduced, republished, downloaded, uploaded, posted, displayed, transmitted, or distributed in any way and nothing on this Site shall be construed to confer any license under any of YoungInvesteneur’s intellectual property rights, whether by estoppel, implication, or otherwise. Please contact us by E-MAIL or visit our content licensing page if you have any questions about obtaining such licenses. Any rights not expressly granted herein are reserved by YoungInvesteneur.
2. Links to Third Party Sites . This Site may contain links to Web sites controlled by parties other than YoungInvesteneur (the “Third Party Sites”). YoungInvesteneur is not responsible for and does not endorse or accept any responsibility for the availability, the contents or use of the Third Party Sites or any Web site accessed from a Third Party Site, or any changes or updates to such sites. YoungInvesteneur is not responsible for webcasting or any other form of transmission received from any Third Party Site. YoungInvesteneur is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by YoungInvesteneur of the Third Party Site. You acknowledge that you bear all risks associated with access to and use of content provided on Third Party Sites and agree that YoungInvesteneur.com is not responsible for any loss or damage of any sort you may incur from dealing with a third party. You should contact the site administrator for the applicable Third Party Site if you have any concerns regarding such links or the content located on a Third Party Site.
3. Use of the YoungInvesteneur Member Directory: Users may not use the YoungInvesteneur Member Directory to mine email addresses for unsolicited commercial email (”spam”). Such activity includes, but is not limited to:
* Sending email in violation of the CAN-SPAM Act or any other applicable anti-spam law
* Gathering addresses for sending unsolicited emails to significant numbers of individuals and/or entities with whom you have no preexisting relationship
* Imitating or impersonating another person or his, her or its email address, or creating false accounts for the purpose of sending spam
* Selling, exchanging or distributing to a third party the email addresses of any person without such person’s knowing and continued consent to such disclosure
* Sending, uploading, distributing or disseminating any unlawful, defamatory, harassing, abusive, fraudulent, infringing, obscene, or otherwise objectionable content
* Intentionally distributing viruses, worms, defects, Trojan horses, corrupted files, hoaxes, or any other items of a destructive or deceptive nature
* Conducting or forwarding pyramid schemes and the like
* Illegally transmitting another’s intellectual property or other proprietary information without such owner’s or licensor’s permission
* Promoting or encouraging illegal activity
* Interfering with other YoungInvesteneur users’ enjoyment of the Service.
4. Rights and Responsibilities:
Rights and Responsibilities of YoungInvesteneur.com:
Although it cannot make an absolute guarantee of system security, YoungInvesteneur takes reasonable steps to maintain security. If you have reason to believe system security has been breached, contact us by E-MAIL for help.
YoungInvesteneur has the right, in its sole and absolute discretion, to (i) edit, redact, or otherwise change the content of any works posted on the Site, (ii) re-categorize any post to place it in a more appropriate category, or (iii) delete any post that is determined to be inappropriate, including but not limited to works that use offensive language and works that are advertisements.
YoungInvesteneur reserves the right to refuse service to anyone and to cancel an account at any time.
Your Rights and Responsibilities as a YoungInvesteneur.com Member and Reader of Postings on the Exchange:
You are not required to provide your real name when signing up as a member of YoungInvesteneur.com. YoungInvesteneur.com permits anonymous or pseudonymous accounts. Any member may request that such member’s e-mail address be hidden to provide for additional privacy.
If you have a complaint about the behavior or posts of another member, it is your responsibility to attempt to resolve the conflict, typically by contacting that person directly. Normally, YoungInvesteneur.com staff will not take a role in mediating conflicts between you and other members. YoungInvesteneur.com does not take responsibility for your behavior or that of other members. Notwithstanding the foregoing, should such a complaint or conflict arise, the member or members may request that YoungInvesteneur.com moderator intervene and attempt to resolve any dispute. Any such request is not a guarantee that a moderator will (i) intervene, (ii) intervene in a timely manner, (iii) resolve the dispute in favor of one party or the other, or (iv) successfully resolve the situation . The decision to intervene rests with YoungInvesteneur, in its sole and absolute discretion.
5. Use of YoungInvesteneur.com “Start Investing Today.”
The information contained in the Start Investing Today section was gathered from YoungInvesteneur via questionnaires. Product information was not verified, and YoungInvestenuer does not make any warranty, expressed or implied, or assume any legal liability or responsibility for the accuracy, completeness or usefulness of the information provided. The listing of products does not represent an endorsement by YoungInvesteneur. In addition, because of the rapidly changing nature of the subject professionals, the information may become outdated, and the list is in no way exhaustive. It is the sole responsibility of anyone using the information in a Start Investing Today to complete a thorough due diligence to confirm the validity of the information. In no way will YoungInvesteneur be liable for any damages arising out of the provision or use of Start Investing Today.
6. NO WARRANTY . THE SITE AND ALL MATERIALS PROVIDED ON THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, YOUNGINVESTENEUR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
YOUNGINVESTENEUR MAKES NO WARRANTY THAT: (A) THE SITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS; (B) THE SITE OR THE MATERIALS WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, OR ANY MATERIALS OFFERED THROUGH THE SITE, WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE OR IN RELIANCE ON THE MATERIALS WILL MEET YOUR EXPECTATIONS.
ANY MATERIALS OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK. YOUNGINVESTENEUR SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, INFORMATION OR SOFTWARE.
7. LIMITATION OF LIABILITY. IN NO EVENT SHALL YOUNGINVESTENEUR, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE (INCLUDING BUT NOT LIMITED TO LOSS OF BUSINESS, REVENUE, PROFITS, USE, DATA OR OTHER ECONOMIC ADVANTAGE), HOWEVER IT ARISES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR INABILITY TO USE THIS SITE OR MATERIALS AVAILABLE FROM THIS SITE, EVEN IF YOUNGINVESTENEUR.COM HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
8. Indemnification . You agree to defend, indemnify and hold harmless YoungInvesteneur, its officers, directors, shareholders, employees and agents from and against any and all claims, liabilities, damages, losses or expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your access to or use of the Site and the Materials.
9. Compliance with Laws . You may not access, download, use or export the Site or Materials in violation of United States Federal or state laws or regulations, or in violation of any other applicable laws or regulations. Any such violation is expressly against these terms of use and you must cease from using this Site immediately.
10. Children . We ask that minors do not submit any personal information to us.
11. Governing Law; Venue . By using this Site, you expressly agree that your rights and obligations shall be governed by and interpreted in accordance with the laws of the State of California , excluding its choice of law rules. Any legal action or proceeding relating to your access to or sue of the Site or Materials shall be instituted in a state or federal court in California , and in the County of Los Angeles. You and YoungInvesteneur agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding. These terms of use expressly exclude and disclaim the terms of the U.N. Convention on Contracts for the International Sale of Goods, which shall not apply to any transaction conducted through or otherwise involving this Site.
12. Copyrights . All Site design, text, graphics, the selection and arrangement thereof, Copyright © 2009, YoungInvesteneur. ALL RIGHTS RESERVED.
13. Trademarks. YoungInvesteneur, YoungInvesteneur.com, all images and text, and all page headers, custom graphics and button icons on the Site are service marks, trademarks, and/or trade dress of YoungInvesteneur. All other trademarks, product names and company names or logos cited herein are the property of their respective owners.
