Privacy Policy

Updated: September 5, 2018

FINANCIAL INSIGHT TECHNOLOGY, INC. ("Company") is committed to protecting your privacy. We have prepared this Privacy Policy (the “Policy”) to describe to you our practices regarding the Personal Data (as defined below) we collect from users of our websites, located at www.SmartAsset.com and www.SmartAdvisorMatch.com (each, a "Site") and related services (collectively, "Services"), which may each be accessible via web browsers and / or mobile applications (each, an “App”). Unless otherwise set forth herein, all references to the Services include the Sites and Apps as well.

1. USER CONSENT. By submitting Personal Data through or to the Sites, Apps, or Services, you agree to the terms of this Privacy Policy and you expressly consent to the processing of your Personal Data in accordance with this Privacy Policy.

2. A NOTE ABOUT CHILDREN. We do not intentionally gather Personal Data about anyone under the age of 13. If we find out that we may have such information, we will work diligently to remove and delete such information as promptly as possible.

3. A NOTE TO USERS OUTSIDE OF THE UNITED STATES. Your Personal Data may be processed in the country in which it was collected and in other countries, including the United States, where laws regarding processing of Personal Data may be less stringent than the laws in your country. BY USING OUR SITES, APPS, OR SERVICES OR SUBMITTING PERSONAL DATA THROUGH OUR SITES, APPS, OR SERVICES OR BY ANY OTHER MEANS, YOU EXPRESSLY CONSENT TO THE PROCESSING OF YOUR PERSONAL DATA ACCORDING TO THIS POLICY. SUBMISSION OF SUCH INFORMATION WILL BE DEEMED CONSENT TO SUCH PROCESSING, WHICH IS NECESSARY FOR US TO PROVIDE THE SERVICES REQUESTED IN CONNECTION WITH SUCH SUBMISSION.

4. TYPES OF DATA WE COLLECT. We collect Personal Data and Anonymous Data from you when you visit our Sites, when you send us information or communications, and/or when you use our Services. "Personal Data" means data that allows someone to identify or contact you, including, for example, your name, address, telephone number, e-mail address, as well as any other non-public information about you that is associated with or linked to any of the foregoing data. "Anonymous Data" means data that is not associated with or linked to your Personal Data. Anonymous Data does not permit the identification of individual persons. We collect Personal Data and Anonymous Data, as described below.

Personal Data You Provide to Us. We collect Personal Data from you, such as your email address when you provide it voluntarily on the Sites, Apps, or Services. If you provide us feedback or contact us via e-mail (e.g., in response to an employment opportunity posted on the Sites), we will collect your name and e-mail address, as well as any other content included in the e-mail, in order to send you a reply, and any information that you submit to us, such as a resume. When you participate in one of our surveys, we may collect additional profile or personal information. When you post messages on the message boards or forum pages of the Sites or Services, the information contained in your posting will be stored on our servers and other users will be able to see it. We also collect other types of Personal Data that you provide to us voluntarily, such as your Twitter name or Facebook profile. We may also collect Personal Data at other points in the Sites or Services that state that Personal Data is being collected.

Personal Data Collected via Technology.

Log Files

To make our Sites, Apps, and Services more useful to you, our servers (which may be hosted by a third party service provider) collect Personal Data from you, including your IP address or HTTP referrer. We also use Cookies (as defined below) and navigational data like Uniform Resource Locators (URLs) to gather information regarding the date and time of your visit and the solutions and information for which you searched and which you viewed. Like most Internet services, we automatically gather this Personal Data and store it in log files each time you visit our website or access your account on our network.

Cookies.

We may collect information using “cookies.” Cookies are small data files stored on the hard drive of your computer or mobile device by a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer or mobile device until you delete them) to provide you with a more personal and interactive experience on our Services

We use two broad categories of cookies: (1) first party cookies, served directly by us to your computer or mobile device, which are used only by us to recognize your computer or mobile device when it revisits the Services; and (2) third party cookies, which are served by service providers on the Services and can be used by such service providers to recognize your computer or mobile device when it visits other websites.

Cookies we use

Type of Cookie	Purpose
Essential Cookies	These cookies are essential to provide you with services available through the Services and to enable you to use certain features. For example, they allow you to log in to secure areas of the Services and help the content of the pages you request load quickly. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
Functionality Cookies	These cookies allow the Services to remember choices you make when you use the Services, such as remembering your language preferences, remembering your login details and remembering the changes you make to other parts of the Services which you can customize. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you visit the Services.
Analytics and Performance Cookies	These cookies are used to collect information about traffic to the Services and how users use the Services. The information gathered does not identify any individual visitor. The information is aggregated and anonymous. It includes the number of visitors to the Services, the websites that referred them to the Services, the pages they visited on the Services, what time of day they visited the Services, whether they have visited the Services before, and other similar information. We use this information to help operate the Services more efficiently, to gather broad demographic information and to monitor the level of activity on the Services. We use Google Analytics for this purpose. Google Analytics uses its own cookies. It is only used to improve how the Services works. You can find out more information about Google Analytics cookies here: https://developers.google.com/analytics/resources/concepts/gaConceptsCookies You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html You can prevent the use of Google Analytics relating to your use of the Services by downloading and installing the browser plugin available via this link: http://tools.google.com/dlpage/gaoptout?hl=en-GB
Targeted and advertising Cookies	These cookies track your browsing habits to enable us to show advertising which is more likely to be of interest to you. These cookies use information about your browsing history to group you with other users who have similar interests. Based on that information, and with our permission, third party advertisers can place cookies to enable them to show adverts which we think will be relevant to your interests while you are on third party websites. You can disable cookies which remember your browsing habits and target advertising at you by visiting http://www.youronlinechoices.com/uk/your-ad-choices. If you choose to remove targeted or advertising cookies, you will still see adverts but they may not be relevant to you. Even if you do choose to remove cookies by the companies listed at the above link, not all companies that serve online behavioral advertising are included in this list, and so you may still receive some cookies and tailored adverts from companies that are not listed. You can find out more about how Google protects your data here: www.google.com/analytics/learn/privacy.html You can prevent the use of Google Analytics relating to your use of the Services by downloading and installing the browser plugin available via this link: http://tools.google.com/dlpage/gaoptout?hl=en-GB
Social Media Cookies	These cookies are used when you share information using a social media sharing button or “like” button on the Services or you link your account or engage with our content on or through a social networking website such as Facebook, Twitter or Google+. The social network will record that you have done this.

Disabling Cookies

You can typically remove or reject cookies via your browser settings. In order to do this, follow the instructions provided by your browser (usually located within the “settings,” “help” “tools” or “edit” facility). Many browsers are set to accept cookies until you change your settings.

Further information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org and http://www.youronlinechoices.com/uk/.

If you do not accept our cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer or mobile device and you may need to log in every time you visit the Services.

1. Flash Technology

We may also use Flash cookies (which are also known as Flash Local Shared Object (“LSOs”)) on our Services to collect and store information about your use of our Services. Unlike other cookies, Flash cookies cannot be removed or rejected via your browser settings. If you do not want Flash cookies stored on your computer or mobile device, you can adjust the settings of your Flash player to block Flash LSO storage using the tools contained in the Website Storage Settings Panel at https://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html. You can also control Flash LSOs by going to the Global Storage Settings Panel at https://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager03.html and following the instructions. Please note that setting the Flash Player to restrict or limit acceptance of Flash LSOs may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our Services.

PIXEL TAGS

We may also use pixel tags (which are also known as web beacons and clear GIFs) on our Services to track the actions of users on our Services. Unlike cookies, which are stored on the hard drive of your computer or mobile device by a website, pixel tags are embedded invisibly on webpages. Pixel tags measure the success of our marketing campaigns and compile statistics about usage of the Services, so that we can manage our content more effectively. The information we collect using pixel tags is not linked to our users’ personal data.

DO NOT TRACK SIGNALS

Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to do not track signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.

Digital Advertising Alliance. SmartAsset is a member of the Digital Advertising Alliance (DAA) self-regulatory program and adheres to the DAA self-regulatory Principles for Online Behavioral Advertising. We work with a variety of advertisers, ad networks and analytics companies (“Ad Partners”) that collect information about your use of our services. You can opt out of the use of interest-based advertising at any time by visiting the Digital Advertising Alliance consumer choice page.

Our Relationship with Social Networking Sites. We have created, and may offer you, interfaces that allow you to connect with social networking websites such as Facebook and Twitter ("SN Sites") through our Sites and Services. We will work with the SN Site's application protocol interface (better known as their developer API) in a way that allows you to authorize us to access your account on that SN Site on your behalf. In order to provide this authorization, you will not provide us with your user name or password to the SN Site, but you will need to log-in to that SN Site directly through our Site. Once authorized by you, the SN Site will provide us a token that allows the SN Site to recognize us when we ask, on your behalf, for access to your account information or to post information. You may revoke our access to any SN Site at any time by amending the appropriate settings from within your account settings on the applicable SN Site, though such revocation may limit the Services we are able to provide you.

5. USE OF YOUR DATA.

General Use. In general, Personal Data you submit to us is used either to respond to requests that you make, or to let us provide the Services you request. We use your Personal Data in the following ways:

Provide you with the Services and customer support;
Respond to your requests, resolve disputes and/or troubleshoot problems;
Verify your compliance with your obligations in our Terms of Service or other policies;
Improve the quality of the Sites and the Services;
Communicate with you about the Sites and the Services;
Market our products and services (and those of third parties) to You that we believe may be of interest to You. If you prefer that we do not send you these messages, please see the section below on YOUR CHOICES REGARDING YOUR PERSONAL DATA to learn how to opt-out.

Creation of Anonymous Data. We may create Anonymous Data records from Personal Data by excluding information (such as your name) that make the data personally identifiable to you. We use this Anonymous Data to analyze request and usage patterns so that we may enhance the content of our Services and improve site navigation. We reserve the right to use and disclose Anonymous Data to third parties in our sole discretion.

Feedback. If you provide feedback on the Sites or Services or any of our products to us, we may use such feedback for any purpose, provided we will not associate such feedback with your Personal Data. We will collect any information contained in such feedback and will treat the Personal Data in such feedback in accordance with this Privacy Policy.

6. DISCLOSURE OF YOUR PERSONAL DATA.

Affiliates. Although we currently do not have a parent company, any subsidiaries, joint ventures, or other companies under a common control (collectively, "Affiliates"), we may in the future. We may share some or all of your Personal Data with these Affiliates, in which case we will require our Affiliates to honor this Policy. If another company acquires us or our assets, that company will possess the Personal Data collected by it and us and will assume the rights and obligations regarding your Personal Data as described in this Policy.

Other Disclosures. Regardless of any choices you make regarding your Personal Data (as described below), we may disclose Personal Data if we believe in good faith that such disclosure is necessary to: (a) comply with relevant laws or to respond to subpoenas or warrants served on Company; or (b) protect or defend our rights or property or those of our users.

7. THIRD PARTIES.

We may receive Personal and/or Anonymous Data about you from companies that provide our products or services by way of a co-branded or private-labeled website or companies that offer their products and/or services on our website ("Third Party Companies"). Our Third Party Companies may supply us with Personal Data, such as your email address, in order to help us establish an account with us or such Third Party Company. We may add this information to the information we have already collected from you via in order to improve the Services.

Our provision of a link to any other website or location, such as payment processing websites, is for your convenience and does not signify our endorsement of such other website or location or its contents. When you click on such a link, you will leave our Sites and go to another site. During this process, another entity may collect Personal Data or Anonymous Data from you.

We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Policy do not apply to these outside websites or content, or to any collection of data after you click on links to such outside websites.

Disclosure to Third Party Service Providers. Except as otherwise stated in this policy, we do not generally sell, trade, share, or rent the Personal Data collected from our Services to other entities. However, we may share your Personal Data with third party service providers to facilitate creation of accounts or to provide services to us that enable us to make the Sites or Services available to you. You expressly consent to the sharing of your Personal Data with our contractors and other service providers for the sole purpose of providing Services to you.

Disclosure to Third Party Companies. We may enter into agreements with Third Party Companies. A Third Party Company may want access to Personal Data that we collect from its customers. We will only to this with your advance notice and consent, as provided through Supplemental Terms or other means (for example, when you ask to be referred to a financial advisor via the Services). As a result, we may disclose your Personal Data to a Third Party Company. The privacy policies of our Third Party Companies may apply to the use and disclosure of your Personal Data that we disclose to such Third Party Companies. Because we do not control the privacy practices of our Third Party Companies, you should read and understand their privacy policies.

8. YOUR CHOICES REGARDING YOUR PERSONAL DATA.

Choices. We offer you choices regarding the collection, use, and sharing of your Personal Data. We will periodically send you free newsletters and e-mails that directly promote the use of our site or the purchase of our products or services and may contain advertisements for Third Party Companies where you have opted to receive such advertisements. When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to "opt-out" by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly (please see contact information below). Should you decide to opt- out of receiving future mailings, we may share your e-mail address with third parties to ensure that you do not receive further communications from third parties. Despite your indicated e-mail preferences, we may still send you operational notices regarding the Site and Services, including notices of any updates to our Terms of Service or this Policy.
Your Control of Your Personal Data.

Opt-out. Yu may contact us anytime to opt-out of: (i) direct marketing communications; (ii) automated decision-making and/or profiling; (iii) our collection of sensitive personal data; or (iv) any new processing of your Personal Data that we may carry out beyond the original purpose. Please note that your use of some of the Services may be ineffective upon opt-out.
Access. You may access the information we hold about you at any time by contacting us directly.
Amend. You can also contact us to update or correct any inaccuracies in your Personal Data.
Move. Your Personal Data is portable – i.e. you to have the flexibility to move your data to other service providers as you wish.
Erase and forget. In certain situations, for example when the information we hold about you is no longer relevant or is incorrect, you can request that we erase your data.

If you wish to exercise any of these rights, please contact us using the details below. In your request, please make clear: (i) what Personal Data is concerned; and (ii) which of the above rights you would like to enforce. For your protection, we may only implement requests with respect to the Personal Data associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable and in any event, within one month of your request. Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion.

9. SECURITY OF YOUR PERSONAL DATA. We are committed to protecting the security of your Personal Data. We use a variety of industry-standard security technologies and procedures to help protect your Personal Data from unauthorized access, use, or disclosure. Despite these measures, you should know that we cannot fully eliminate security risks associated with Personal Data and mistakes may happen.

10. CONTACT INFORMATION. We welcome your comments or questions regarding this Policy and the treatment of your personal data. Please e-mail us at info@smartasset.com or contact us at the following address:

Financial Insight Technology, Inc
Attn: Office Administrator
122 East 42nd Street, Suite 4300, New York, NY 10168, USA

11. DISPUTE RESOLUTION. If you believe that we have not adhered to this Policy, please contact us as set forth above. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation. Disputes involving this Policy will be addressed according to the Dispute Resolution process set forth in the Terms.

12. CHANGES TO THIS PRIVACY POLICY. This Privacy Policy is subject to occasional revision, and if we make any substantial changes in the way we use your Personal Data, we will notify you by sending you an e-mail to the last e-mail address you provided to us and/or by prominently posting notice of the changes on this page and the Services. Any material changes to this Policy will be effective (a) immediately for new users of the Sites and Services, and (b) for existing users, upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar days following our posting of notice of the changes as set forth herein. Please note that at all times you are responsible for updating your Personal Data to provide us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. In any event, changes to this Policy may affect our use of Personal Data that you provided us prior to our notification to you of the changes. If you do not wish to permit changes in our use of your Personal Data, you must notify us prior to the effective date of the changes that you wish to deactivate your account with us. Continued use of the Sites, Apps, or Services following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.