What personal information do we collect?
We may collect personal information from you when you voluntarily provide it to us through a number of features available on this website. For example, we may ask you to provide personal information if you:
* register for a contest or other promotion;
* register as a user of this website;
* ask to receive online information from us or our advertisers;
* ask to receive newsletters;
* ask to receive relevant sponsored content and emails from our advertisers;
* otherwise participate in features of our website that ask for personal information.
In addition, if you purchase or otherwise request a product, publication, or promotional offering from us you may be required to provide your contact and/or payment information (such as a credit card number) in order for us to process your request.
Email. All of our emails are sent only to those who have agreed to our opt-in policy. By registering with ETF Channel and entering your email address, you agree to receive our company's newsletters which include advertisements for various paid subscriptions, free email reports, and other related offers. You agree to receive information about our various products and services, or other products and services that we believe may interest you. By registering to receive our email, you also agree to receive email announcements and special offers from our advertisers, affiliates and partners. In the event you elect to receive a special offer from an advertiser we will provide your information so that the advertiser can deliver the offer. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser's offer. We monitor the behavior of your email through the use of embedded tracking pixels and may track opens, clicks and other actions on emails sent.
You will always have the opportunity to "unsubscribe" from receiving e-mail or other communications at any time. Each e-mail includes an opt-out feature and instructions on how to un-subscribe if you do not wish to receive future e-mails from us for these purposes.
Push Notifications. All of our push notifications are sent only to those who have agreed to opt into receiving them. By opting into push notifications, you agree to receive our company's alerts/pushes which include advertisements for various paid subscriptions, free email reports, and other related offers. You agree to receive information about our various products and services, or other products and services that we believe may interest you. By opting into receiving push notifications, you also agree to receive announcements and special offers from our advertisers, affiliates and partners. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser's offer. You will always have the opportunity to "unsubscribe" from receiving push notifications at any time.
Mail. We may collect your postal address. We may use it to send you Special Reports you have requested and special offers from BNK. We may provide the names and postal mailing addresses of our subscribers to carefully screened companies who offer products, services or information that we believe may be of interest to you. If you do not want to hear from our carefully selected partners, send a copy of your mailing label to BNK Invest, Inc. 500 North Broadway, Ste 265, Jericho, NY 11753, USA, Attention: Subscriptions.
If you contact one of our representatives through this website, we may ask you for personal information such as your name, address, phone number, or e-mail address so that we can respond to your questions or comments.
How do we gather data by automatic means?
In addition to cookies, we may use web beacons which allow us to count users who have visited specific pages or access certain cookies. We may use web beacons to count and recognize users, conduct research on behalf of some partners on their websites, and for auditing purposes. In addition, we may use this method to aggregate information about users, including demographic and usage information. Our advertising networks that serve ads on our site may also use web beacons in their advertisements. Any image viewed as part of a web site including an ad banner, can act as a beacon.
We use IP addresses for working on technology problems, maintaining security, displaying advertising or content to particular users, analyzing the ways in which people use the site and how we can improve it, and for reporting to advertisers about aggregate information from IP addresses.
If you wish to disable cookies, refer to your browser help menu to learn how to disable cookies. Please note that if you disable cookies, you may be unable to access some customized features on this website. Cookies do not collect or contain your personal information.
Internet tags, graphic tags and similar web beacon type functions allow us to count the number of users who have visited a particular web page or to access certain cookies. We may use web beacons on this website to count users and to recognize users by accessing our cookies. Being able to access our cookies allows us to personalize this website and improve your experience at this website. We may also include web beacons in HTML-formatted e-mail messages that we send to determine which e-mail messages were opened. Like cookies, web beacons do not collect or contain your personal information.
How do we share personal information?
Except as described below, we do not sell, transfer or otherwise disclose to third parties the personal information we collect on this website. At times we provide your personal information to joint promotion partners and third parties who provide services on our behalf. These entities may use the information solely in conjunction with the specific promotion services they provide for us (e.g. fulfillment of an order; responding to your question or comment; providing a promotional prize; deployment of a consumer survey; investigation of a complaint).
To the extent we enter into such arrangements with service providers, agents and contractors to store, handle or process personal information on our behalf, such as for data processing, document storage software support and office services, our policy will be to require such parties by contractual or other means to provide comparable privacy protection while the information is processed or handled by them.
Links to other websites
Chat rooms and message/bulletin boards
If you use chat rooms and message/bulletin boards that may be available on this website, you should know that when you voluntarily disclose your personal information on a message/bulletin board, chat or other interactive area where personal information can be posted, the information can be collected and used by other internet users. This may result in unsolicited messages from other posters or parties. We undertake no obligations as to the security of information you voluntarily post in chat rooms and/or on message/bulletin boards.
We are committed to protecting the privacy of children and we do not knowingly solicit personal information from children under the age of 18. If a child has already provided us with personal information, his or her parent or guardian may contact us for the purpose of deleting this information.
How we protect personal information
The security of your personal information is important to us. We maintain administrative, technical and physical safeguards (appropriate to the sensitivity of such information) designed to protect against unauthorized use, disclosure or access of the personal information we collect on this website. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we are committed to protecting your personal information, we cannot ensure or warrant the security of any information you provide to us. All third parties that obtain personal information from us (e.g. service providers that perform functions on our behalf) are contractually required to protect your confidentiality and personal information in a manner consistent with this policy, and/or as required by law.
Some or all of the personal information we collect may be stored or processed on servers located outside your jurisdiction of residence, whose data protection laws may differ from the jurisdiction in which you live. As a result, this information may be subject to access requests from governments, courts, or law enforcement in those jurisdictions according to laws in those jurisdictions. Subject to applicable laws in such other jurisdictions, we will use reasonable efforts to ensure that appropriate protections are in place to require the data processor in that country to maintain protections on the personal information that are equivalent to those that apply in the country in which you live.
Retention and disposal
We keep your personal information only so long as we need it for the products and services that you are using, to offer you products and services when you are a customer and for a reasonable time thereafter, or to meet any legal requirements. We have retention standards, which meet these requirements. We destroy your information when it is no longer needed, or we remove your name from the information.
Data retention policy
We do not keep your personal information for longer than required. We will keep your personal information:
Data Subject Rights
We recognize your legal rights to your data. Email us at firstname.lastname@example.org to access the following rights:
* see personal information that you have already sent us so that you can correct or update it delete your personal information from our files;
* if your child under 18 has sent us personal information, delete that personal information from our files;
* ask that we not send you mailings or otherwise contact you; or
Please contact us at:
BNK Invest, Inc.
500 North Broadway, Ste 265
Jericho, NY 11753
CALIFORNIA PRIVACY RIGHTS
The California Consumer Privacy Act of 2018 (''CCPA''), amended by the California Privacy Rights Act of 2020, provides you with specific rights regarding your Personal Information. This section describes the rights that California consumers have and explains how to exercise those rights. For the purposes of this section, ''Personal Information'' does not include: (i) information that is lawfully made available from federal, state or local government records; (ii) de-identified or aggregated data; or (iii) information excluded from the scope of the CCPA. To be clear, these rights are granted only to the extent that you are a California consumer. The rights in this section are not intended to grant you additional rights, but only your rights under the CCPA to the extent that we are considered a CCPA business with respect to the applicable Personal Information.
In order to provide our Services to our clients, we may process Service Data that we receive from or on behalf of our clients. If you are a California resident, you may have certain CCPA rights pertaining to such information. Under the CCPA, when we act as a ''service provider'' (not as a ''business'' or a ''third party'') over such information, we only process your information through our Services as necessary to provide our services to our clients, at our clients' direction. If you wish to exercise any of your rights under CCPA regarding such information, please contact the relevant business that collected the information from you, who controls and determines how your information is processed.
Information We Collect; How We Collect It; How We Use It
California consumers may access, delete, and control certain uses of their information as set forth in Rights to Your Information, below.
In the past 12 months, we have collected some or all of the categories of Personal Information described in the table below. The table below further describes the business or commercial purpose(s) for which the Personal Information was collected and the entities to whom such information has been disclosed within the last 12 months.
The Personal Information described in the table above is collected directly from you, or from the sources set forth in the How We Collect Your Personal Information section of the Privacy Statement. In addition to the parties described above, we may disclose your Personal Information to other third parties as set forth in the How We Disclose Your Personal Information section of the Privacy Statement.
Please note that BNK Invest does not ''sell'' any of your personal information in exchange for money. However, the term ''sell'' has a broader meaning under the CCPA than would ordinarily be understood in a non-legal context. In the past 12 months, we have sold or shared the following categories of Personal Information with third parties:
Disclosures of Personal Information to Service Providers and Third Parties
Company may disclose your Personal Information to a third party for a business purpose, or sell or share your Personal Information, subject to your right to opt out (see Personal Information Sales Opt-Out and Opt-In Rights, below). The information above under Information We Collect; How We Collect It; How We Use It describes the third parties with which we may disclose your Personal Information.
Rights to Your Information
As a California consumer, you have the right to request that we disclose certain information to you about our collection, use, disclosure or sale of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights, below), and subject to certain limitations that we describe below, we will disclose such information. You have the right to request any or all of the following:
You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights, below), we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies. However, we may retain Personal Information that has been de-identified or aggregated. Furthermore, we may deny your deletion request if retaining the information is necessary for us or our service provider(s) in order to perform certain actions set forth under CCPA, such as detecting security incidents and protecting against fraudulent or illegal activity.
You have the right to request a copy of Personal Information we have collected and maintained about you in the past 12 months. The CCPA allows you to request your information from us up to twice during a 12-month period.  We will provide our response in a readily usable (and usually electronic) format.
You have the right to request the correction of any Personal Information we maintain about you.
You have the right to opt out of the sale or sharing of your Personal Information, along with the right to opt in to the sale of such information. We do not sell or share the Personal Information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the ''right to opt-in'') from either the consumer who is less than 16 (but greater than 13) years of age, or the parent or guardian of a consumer less than 13 years of age. To our knowledge, we do not sell or share the Personal Information of minors under 16 years of age.
To exercise the right to opt out, you (or your authorized representative) may submit a request to the following email: email@example.com. Alternatively, you may submit an opt-out request by contacting us at (516) 605-2277.
You may change your mind and opt back into Personal Information sales at any time by contacting us at firstname.lastname@example.org.
You have the right to limit the use or disclosure of your sensitive personal information (''SPI'') if we are using your SPI beyond what is reasonable and proportionate to provide the requested goods or services. You can make a request for us to limit the use or disclosure of your SPI by emailing email@example.com with the following subject: ''Limit the Use of My Sensitive Personal Information.''
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights, including but not limited to, by:
To exercise the rights described above, please contact us by using the following methods:
After submitting a request, we will take steps to verify your identity in order for us to properly respond and confirm that it is not a fraudulent request. In order to verify your identity, we will ask, at a minimum, that you provide your name, email address, and mailing address so that we can match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate.
BNK Invest will send you a verification email to verify that you have access to the email address you have provided. Then, as required by the CCPA, BNK Invest will use this information to verify your identify to a reasonable or reasonably high degree of certainty, depending on the request. If we are able to match at least two pieces of personal information to the personal information that we may retain of you, we will honor your Right to Know (Categories) request. If we are able to match at least three pieces of personal information to the personal information that we may retain of you, we will honor your Right to Delete, Right to Correct, and/or Right to Know (Data Portability / Specific Pieces of Personal Information) requests. If we are unable to verify your identity, we will let you know that we are unable to fulfill your request.
Only you, or an agent legally authorized to act on your behalf, may make a verifiable request related to your Personal Information. If you are making a request as the authorized agent of a California consumer, we will ask you also submit reliable proof that you have been authorized in writing by the consumer to act on such consumer's behalf.
We will make every effort to respond to your request within 45 days from when you contacted us. If you have a complex request, the CCPA allows us up to 90 days to respond. We will still contact you within 45 days from when you contacted us to let you know we need more time to respond.
Notice of Financial Incentive
We may at times offer our customers programs that provide certain perks associated with us, such as rewards and exclusive offers. We may also provide other programs, such as sweepstakes, contests, or other similar promotional campaigns (collectively, the ''Programs''). When you sign up for one of these Programs, we typically ask you to provide your name and contact information (such as email address and/or telephone number). Because our Programs involve the collection of Personal Information, they may be considered a ''financial incentive'' program under California law. The value of your personal information to us is related to the value of the free or discounted products or services, or other benefits that you obtain or that are provided as part of the applicable Program, minus the expense related to offering those products, services, and benefits to Program participants. Unless specifically stated otherwise in connection with a potential ''financial incentive,'' the value of the benefit BNK Invest may offer to you exceeds the value of the personal information you provide as a participant.
You may withdraw from participating in a Program at any time by contacting us using the designated method set forth in the applicable Program rules. Please read the terms and conditions of each Program to view full details, including how to join. You may also withdraw from or opt into the Program by contacting us at the email address provided in connection with the Program. If none is provided, you may contact us as set forth above in the Contacting Us section.
CALIFORNIA ''SHINE THE LIGHT''
Under California Civil Code Section 1798.83 (''Shine the Light''), California residents have the right to request in writing from businesses with whom they have an established business relationship: (a) a list of the categories of personal information, as defined under Shine the Light, such as name, email address, and mailing address, and the type of services provided to the customer that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties' direct marketing purposes; and (b) the names and addresses of all such third parties. To request the above information, please contact us at (516) 605-2277. If you do not want your personal information shared with any third party who may use such information for direct marketing purposes, then you may opt out of such disclosures by contacting us at (516) 605-2277.
VIRGINIA PRIVACY RIGHTS
The Virginia Consumer Data Protection Act (''CDPA'') provides Virginia consumers with specific rights regarding their personal information. This section describes your rights under the CDPA and explains how you may exercise these rights.
The categories of personal information we process, our purposes for processing your personal information, the categories of personal information that we share with third parties, and the categories of third parties with whom we share it are detailed above in our Privacy Statement.
Certain rights that you may have concerning your personal information are set forth in our Privacy Statement. The CDPA provides you with the following additional rights:
How to Contact Us About Your Virginia Privacy Rights
To exercise any of your Virginia privacy rights, or if you have any questions about your privacy rights, you may contact us by:
Verification of Your Identity. After submitting a request, we will take steps to verify your identity in order for us to properly respond and/or confirm that it is not a fraudulent request. In order to verify your identity, we will request, at a minimum, that you provide your name, email address, phone number, address, and relationship to us, so that we can seek to match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate. If we are unable to verify using reasonably commercial efforts that the consumer submitting the request is the same individual about whom we have collected personal information, then we are not required to comply with the request; we may contact you for more information reasonably necessary to authenticate the request, but ultimately we may not be able to meet your request.
Only you may make a verifiable request related to your personal information. If you are making a request as the parent or legal guardian of a known child regarding the processing of that child's personal information, we may ask you to submit reliable proof of your identity.
Our Response Time to Your Request
We will make every effort to respond to your request within forty-five (45) days from when you contacted us. If you have a complex request, the CDPA allows us up to ninety (90) days to respond. We will still contact you within forty-five (45) days from when you contacted us to let you know we need more time to respond and the reason for the extension.
Your Right to Appeal
If we decline to take action regarding a request that you have submitted, we will inform you of our reason for declining to take action and provide instructions for how to appeal the decision. In the event that we do not respond to a request that you make pursuant to one of the privacy rights set forth in this section, you have the right to appeal our refusal to take action within a reasonable period of time after you receive our decision. Within 60 days of our receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, we will also provide you with an online mechanism, if available, or other method through which you may contact the Attorney General to submit a complaint.
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