To better protect your privacy, BNL Finance (the “site”) provides this privacy policy (“Privacy Policy”) explaining how online information is collected and used at the Site. Privacy Policy forms part of the Terms of Use.
This Privacy Policy can change from time to time.

  1. Introduction

We recognize your need for appropriate protection and management of any personally identifiable information (“Personal Information”) you share with us.

Personal Information is usqed to identify an individual, including, but not limited to, a first and last name, personal profile, a home or other physical address and an email address or other contact information, whether it be for free of premium membership registration.

Currently, we do not require you to provide Personal Information in order to have access to the free commentary, analysis and research notes available on our Site. However, in order to provide you with some of the Site’s services, you must create a profile, register and provide your email address, username, password and other specified information.

BNL Finance members will need to supply us with the information specified to activate your free trial or paid subscription. This may include credit card or other payment account information with PayPal, Stripe, and other payment processors. We may use your email address and BNL Finance user account to send updates, a newsletter or news regarding our services, and those of our advertisers who may have relevant offers.

If you choose to provide us with your Personal Information on the Site, we may transfer that Personal Information within BNL Finance or to BNL Finance’s third-party service providers, but only to provide services on the Site, across borders, and from your country or jurisdiction to other countries or jurisdictions around the world. The services provided by our third-party service providers may include fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting contests, surveys and other features offered through our Site. If any transactions are conducted, such as becoming a BNL Finance member, we may also share your name, contact information with our authorized service providers who process credit card payments. These service providers may have access to personal information needed to perform their functions, and will process it in accordance with their privacy policies.                           

BNL Finance strives to comply with all applicable laws around the globe that are designed to protect your privacy. Although legal requirements may vary from country to country, BNL Finance intends to adhere to the principles set forth in this Privacy Policy even if, in connection with the above, we transfer your Personal Information from your country to countries that may not require an “adequate” level of protection for your Personal Information. In other words, our goal is to provide protection for your Personal Information no matter where that Personal Information is collected, transferred, or retained. Finally, we may disclose your Personal Information or any information you submitted via the Site and its services (including via your BNL Finance email account) if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to i) comply with any applicable law, regulation, legal process or governmental request, ii) enforce our Terms of Service including investigations of potential violations thereof, iii) detect, prevent, or otherwise address fraud or security issues, or iv) protect against harm to the rights, property or safety of BNL Finance, its users, yourself or the public.

  1. Cookies and Other Tracking Technologies

Tracking information is automatically collected about all visitors to BNL Finance. This information consists of both individual and aggregated tracking information and is automatically gathered using “cookies.” A cookie is a small data file containing information, such as a user’s login name, that is written to the user’s hard drive by a web server and used to track the pages visited.

We use cookies in several ways to track user behavior. Cookies store visitors’ preferences and past activity on our site and other websites in order to provide better service to our visitors. The information we gather on an individual basis is used for advertising and internal purposes, such as accessing a member’s account information. We also use tracking information on an aggregate basis, to track the readership of stories and usage of our products, to analyze traffic patterns on our sites, and to provide anonymous reporting of usage for internal and external clients. In all cases, cookies used by BNL Finance are encoded and contain a unique digital signature to prevent tampering. They do not contain user passwords. We also employ technology that is commonly referred to as “action tags” (also known as “web beacons,” “scripts” or “one pixel .gif files”) to measure the effectiveness of our advertisements.

Third Party Advertisers

We use third-party advertising companies to serve ads when you visit the Website as well as Google Analytics Advertising features. These companies may use information (not including any Personal Information) about your visits to this and other websites that are contained in Web Cookies and Web Beacons in order to provide advertisements about goods and services of interest to you. The use of these technologies by these third party ad servers is subject to their own privacy policies and is not covered by our Privacy Policy.

We allow advertisers to choose the characteristics of users who will see their advertisements and we may use any of the non-Personal Information attributes we have collected (including information you may have decided not to show to other users, such as your birth year or other sensitive personal information or preferences) to select the appropriate audience for those advertisements. We do not identify you to the advertiser.

  1. Security

We have implemented suitable security policies, rules and technical measures to protect and safeguard the Personal Information under our control from unauthorized access, improper use or disclosure, unauthorized modification, unlawful destruction or accidental loss. All our employees and data processors that have access to, and are associated with the processing of your Personal Information, are obliged to respect the confidentiality of your information.

  1. Links to Other Sites

Our Site may contain links to other sites. Other sites may also reference or link to our site. We are not responsible for the privacy practices or the content of such other sites.

  1. Your Consent

By using this Site, you consent to the terms of our Privacy Policy and to BNL Finance’s processing of Personal Information for the purposes given above. If you do not agree to this Privacy Policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this Privacy Policy at any time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.