May 22, 2019
Monetizing Disclosure
RestOnYourLaurels.com seeks to build a trusting relationship with its readers.
RestOnYourLaurels.com may be monetized by the following:
- Affiliate links – similar to regular links, when clicked they may generate income for the site.
- Sponsorships – there may be sponsored post or email for a company. Before doing so, we verify that their products and services have some relevance and usefulness to our readers.
- Advertisements – these are generally graphical ad banners or text blocks provided by Google AdSense or a similar advertising network.
Privacy Policy
Our Privacy Policy governs the collection, use and disclosure of personal information on RestOnYourLaurels.com or https://www.restonyourlaurels.com (the “Site”). Personal information is any information about an identifiable individual. This Policy outlines the type of information that the Site’s operator Rest On Your Laurels Inc. (“us”, “we”, or “our”) gather about the user of this Site (“you” or “your”) while you are using this Site and how we use that information. Please read this Privacy Policy, by using this Site, you agree that your use of this Site is governed by this Privacy Policy. We reserve the right to modify this Privacy Policy at any time. We will reflect any such modifications to this privacy policy on this Site. Your continued used of this Site after any such changes constitutes your acceptance of this Privacy Policy, as revised.
Collection, Use and Disclosure of Personal Information
We aim to collect, use and disclose only such information as is required to enable us to manage your account, to provide the Services, to maintain our customer/visitor lists, to respond to your inquiries or provide feedback, and for service improvement. We will maintain the confidentiality of any contact information you provide to us when you sign up for our marketing communications or contact us with questions or for further information and we will use it only for the purposes for which we have collected it (subject to the exclusions and disclosures we have listed below), unless you agree that we may disclose it to other third parties.
Two types of information may be collected through the Website and our Services: Personal Information and Website Information.
“Personal Information” is personally identifiable information, such as your name, address, e-mail address, credit card information, address, birth date and gender. At the time of collection, we will clearly identify the information being collected and the purposes for which it will be used. It is always your choice whether or not to provide Personal Information but if you choose not to provide certain requested Personal Information, in some instances you may not be able to access and use all of the features of the Website and Services. In other instances, your choice not to provide certain other Personal Information may mean that you will not be able to use certain features of the Website. We may collect Personal Information in respect of the Website through communications with you; user support; online tools; and expert advice services.
“ Website Information” is information we collect when you visit our Website, such as an Internet Protocol Address (IP Address), the domain used to access the Website, and the type and version of browser or operating system being used by visitors to the Website.
We also collect aggregate information, such as demographic statistics of our users (e.g. average age or geographical allocation of our users), number of visitors, what pages users access or visit, and average time spent on the Website. Similarly, business contact information such as the name, title, business address, or telephone number of a business or professional person or an employee of an organization is not considered Personal Information when such information is used for the purposes of contacting the individual in their business/professional capacity.
Use of Information: We collect information for the following purposes:
- Request Forms: If you request more information about a certain Financial Product listed on our Website you may be required to input certain further Personal Information, such as name, contact information, address, and certain other information depending on the nature of the Financial Product you are interested in. If you submit such a request form, we will send the information contained in the form to the applicable Vendor of the Financial Product, and you hereby consent to us sharing your Personal Information with such Vendors. Any Personal Information that we provide to third party Vendors will be treated in accordance with the terms of such Vendor’s own Privacy Policy, which you should read. We will not be responsible in any way for how any Vendor treats your Personal Information.
- Online Tools: We may offer tools such as a mortgage calculator, compound interest calculator, debt calculator, and credit card finder. If you use these tools, we collect information you provide (such as your income, credit score, etc.) in order to provide you with the features and functions of the tools. We do not store the Personal Information you provide when you use these tools
- Location Information: Certain Financial Products are only available in certain areas, and therefore we may ask for your location, either by requesting your postal code, city, and/or address
- Transaction Notifications: We provide notifications for certain activities relating to your use of our Services despite your indicated email preferences, for example we may send you notices of any updates to our Terms of Use or Privacy Policy.
- Marketing Communications: If you opt-in to receive marketing communications from us, we collect your name and email address to send you the newsletter you requested. You may withdraw your consent to receiving marketing communications from us at any time by following the opt-out instructions in each communication.
- Statistics: We also collect statistics about your use of products/services through the Website. This information will be kept confidential, however, aggregate statistics that do not personally identify an individual will be kept by us and such aggregate statistics may be made available to other members or third parties.
- System Logs & Cookies: Cookies are used by us to track content usage and traffic on the Website. A cookie is a feature of your web browser that consists of a text file that is placed on your hard disk by a web server. The Website uses cookies to help it compile aggregate statistics about usage of this Website, such as how many users visit the Website, how long users spend viewing the Website, and what pages are viewed most often, and what pages Users may visit directly after leaving the Website. This information is used to improve the content of the Website and to provide and improve the Services. You can set your browser to notify you when you are sent a cookie. This gives you the chance to decide whether or not to accept it. If you disable cookies, you may not be able to take advantage of all the features of the Website. We do not link any of the information we use in cookies to any personally identifiable information submitted by you when you are on the Website.
Your IP address is reported by your web browser whenever you visit a page on the Website. This information is recorded together with your registration information on our databases.
- Analytics: We may use a third party such as Google Analytics to help us gather and analyze information about the areas visited on the Website (such as the pages most read, time spent, search terms and other engagement data) in order to evaluate and improve the user experience and the Website. For more information or to opt-out using the Google Analytics opt-out browser add-on, see “How Google uses data when you use our partners’ sites or apps” and “Google Analytics and Privacy”.
- Advertisements: Advertisements appearing on the Website may be delivered by us or one or more third-party web advertisers. These third party web advertisers may set cookies. These cookies allow the advertisement server operated by that third party to recognize your computer each time they send you an online advertisement. Accordingly, advertisement servers may compile information about where or whether you viewed their advertisements and which advertisements you clicked on. This information allows web advertisers to deliver targeted advertisements that they believe will be of most interest to you. We use third-party advertising companies to serve ads when you visit our website. These companies may use non-personally identifiable information (which does not include your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.
If we plan to use your Personal Information in future for any other purposes not identified above, we will only do so after informing you by updating this Privacy Policy.
Disclosures & Transfers: We have put in place contractual and other organizational safeguards with our agents and service providers (see further below) to ensure a proper level of protection of your Personal Information (see further Security below). In addition to those measures, we will not disclose or transfer your Personal Information to third parties without your permission, except as specified in this Privacy Policy (see further Important Exceptions below).
As at the date of this Privacy Policy, we share Personal Information about you in respect of the Website only with service providers that provide services on our behalf. We use service providers to improve our Website and provide services such as hosting our Website, providing advertising services, email marketing services, cloud services, and analytics advertising services.
Our servers (and certain service providers) are also located in Canada and the U.S. and accordingly your Personal Information may be available to the Canadian and U.S. government or its agencies under a lawful order, irrespective of the safeguards we have put in place for the protection of your Personal Information.
From time to time we may employ third parties to help us improve the Website and/or the Services. These third parties may have limited access to databases of user information solely for the purpose of helping us to improve the Website and/or the Services and they will be subject to contractual restrictions prohibiting them from using the information about our members for any other purpose.
Important Exceptions: We do share information with trusted third parties who assist us in operating this Site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may disclose your Personal Information to third parties without your consent if we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other Website members, other users of the Services, or anyone else (including the rights or property of anyone else) that could be harmed by such activities. We may disclose Personal Information when we believe in good faith that such disclosure is required or permitted by and in accordance with applicable law.
We may also disclose your Personal Information in connection with a corporate re-organization, a merger or amalgamation with another entity, a sale of all or a substantial portion of our assets or stock, including any due diligence exercise carried out in relation to the same, provided that the information disclosed continues to be used for the purposes permitted by this Privacy Policy by the entity acquiring the information (or as otherwise consented to).
Children: Our Services are for users age 13 and over and we do not knowingly collect personal information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personal information please contact us. For residents of the EEA, where processing of personal information is based on consent, we will not knowingly engage in that processing for users under the age of consent established by applicable data protection law. If we learn that we are engaged in that processing with such users, we will halt such processing and will take reasonable measures to promptly remove applicable information from our records.
Security: The security of the personal information you provide to us is very important to us. As such, we do our best to ensure your information remains secure, and we maintain technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question; however, you understand that there are inherent risks of providing information online. As such, by using this Site, you release us of any responsibility for any breach of security.
Retention: We will keep your Personal Information for as long as it remains necessary for the identified purpose or as required by law, which may extend beyond the termination of our relationship with you. We may retain certain data as necessary to prevent fraud or future abuse, or for legitimate business purposes, such as analysis of aggregated, non-personally-identifiable data, account recovery, or if required by law. All retained personal information will remain subject to the terms of this Privacy Policy. If you request that your name be removed from our databases, it may not be possible to completely delete all your Personal Information due to technological and legal constraints.
Third-party Links: Please note that links to third-party websites and advertisers on this Site are not bound by this Privacy Policy. These third party sites have separate and independent privacy policies that may be different from our own. We therefore have no responsibility or liability for the content and activities of these linked sites. As such, if you wish to know more about their privacy policies, please visit their websites and review their privacy policies.
Interpretation of this Privacy Policy: Any interpretation associated with this Privacy Policy will be made by Rest On Your Laurels Incorporated. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word “including” is used, it shall mean “including without limitation.”
This Privacy Policy does not create or confer upon any individual any rights, or impose upon us any obligations outside of, or in addition to, any rights or obligations imposed by Canada’s federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal and provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.
This Privacy Policy & Monetizing Disclosure was last updated on May 22, 2019 are effective immediately, and replace any previously published Privacy Policy & Monetizing Disclosure. This Privacy Policy & Monetizing Disclosure may be changed at any time at our discretion. Should we update this Privacy Policy & Monetizing Disclosure, we will post the updates to this page.
