FoolBull Finance ("FoolBull," "we," "us," or the "Company") is committed to protecting the privacy of your personal information. This Privacy Policy details how we collect, use, disclose, and protect your personal information when you use our services (including our website www.foolbull.com , mobile applications, financial products, investment platforms, customer support services, and other services we provide, collectively, the "Services").

By accessing or using our Services, you consent to the collection, use, processing, storage, and disclosure of your personal information as described in this Privacy Policy. This Policy is designed to be comprehensive, transparent, and easy to understand, providing you with a clear explanation of our data processing practices, your privacy rights, and the measures we take to protect your data.

Scope of application of this Privacy Policy

This Privacy Policy applies to all personal information Forbes Finance collects through the Services, whether as a registered customer, website visitor, mobile application user, participant in one of our financial programs, or through any other interaction with us. Personal information is any information that identifies, relates to, describes, could reasonably be linked, directly or indirectly, to a particular individual or household ("Personal Information"), including, but not limited to, name, contact information, financial account information, and online identifiers.

This Policy does not apply to information that has been aggregated or de-identified in a manner that does not identify an individual, which is no longer considered Personal Information. Furthermore, this Policy does not cover information collected by third parties not acting on our behalf (such as websites, applications, or services linked to through our Platform), unless expressly stated. For example, if you click on a link from our Website to access a third-party financial instrument or social media platform, the privacy policies of those entities will apply to their data collection and use, and we recommend that you review their privacy policies.

We commit to updating this Privacy Policy periodically to reflect changes in our practices, technological advancements, legal requirements, or operational needs. If we make material changes to this Policy, we will notify you by posting the updated Policy on our website ( www.foolbull.com ), sending a notice to the email address associated with your account, or through other reasonable means (such as in-app notifications or pop-up alerts). Your continued use of our Services after any changes constitutes your acceptance of the updated Policy. We encourage you to review this Policy periodically to stay informed about how we are protecting your personal information.

To ensure transparency, we've structured this policy to cover every aspect of our data processing practices, including detailed descriptions of data collection, use, sharing, security measures, retention policies, and your rights. We've also included supplemental information to provide context and clarity for financial services, which are subject to strict regulation. Our goal is to exceed the minimum requirements of U.S. privacy law while maintaining a user-friendly document.

Information We Collect

Forbes Finance collects a variety of information to provide, improve, and protect our services, comply with legal and regulatory obligations, and pursue our legitimate business interests. The type of information we collect depends on your interactions with us, the specific services you use, and the context of your interactions (for example, whether you apply for a financial product, browse the website, or contact customer support). Below is a high-level overview of the categories of information we collect, along with detailed examples and explanations of our uses.

Personal Information You Provide Directly

We collect personal information you voluntarily provide when you interact with our services. This information is essential for providing personalized financial services, verifying your identity, and ensuring compliance with regulatory requirements. The following are the main types of information you may directly provide:

1. Signing up for content delivered via email: When you sign up for reports or other content delivered via email, we ask for your email address. We may also ask for your name and obtain your IP address.

2. Subscription Services: When you subscribe to any of our newsletters, portfolio services, or special reports, we need to know the type of information typically used for credit card transactions, such as your name, address, telephone number, and credit card number and expiration date. We encrypt all of this information using Transport Layer Security (TLS), a replacement for the deprecated Secure Sockets Layer (SSL) technology.

3. Stock Information: If you rate a stock on our platform, we will store that information and may use it to identify content we think is relevant to you. We may also use this information in the aggregate to help us better understand the interests of our community and premium members so we can better create and target content.

4. Other Services: We may also ask you to provide additional information when providing other services. You are of course not required to provide the requested information if you do not wish to do so, but you will not be able to use the service. For example, if we offer text message alerts, we will not be able to send you any alerts unless you provide your mobile phone number. Alternatively, you may not be able to access certain areas of our website unless you register and/or subscribe. From time to time, we may also ask you to provide additional personal information in connection with surveys, contests, or other promotions on our website. However, again, your participation in these features is voluntary.

5. Information About Others: If you use our referral service to email our articles to a friend, you will be asked to provide your friend's email address and your own email address as a return address. We will automatically send that person a one-time email with the recommended article and an invitation to visit and register on our website. We will not use these email addresses for any other purpose.

Information Collected Automatically

When you use our services, we automatically collect certain information about your device, browsing activities, and usage patterns through the use of technologies such as cookies, web beacons, pixels, server logs, and analytical tools. This data helps us optimize our services, enhance user experience, and maintain security.

When you visit our website, we automatically record certain information about your use of our website. This information may include the URL you just visited, your IP address (or part of anonymized IP address), details of your browser, device, operating system or possible location, and the pages you visited on our website.

When you visit our website, we assign you a unique identification number so that we can recognize you across different parts of the website. You may have one or more identification numbers that last for the duration of your visit to our website, allowing us to recognize you when you return.

We may place tracking mechanisms, such as pixels or web beacons, on pages or components of our website. This allows us to record in our server logs the specific pages visited by a particular user ID. This information allows us to analyze and identify behavioral characteristics of our audiences, which helps us optimize our website, advertising, and marketing efforts.

We use analytics platforms like Google Analytics to aggregate similar data, analyze user behavior, optimize website performance, and enhance security. For example, we might analyze which pages have high bounce rates to improve content, or identify unusual login patterns to detect potential fraud.

Information we obtain from other sources

We may install tracking mechanisms on pages or components of certain partner websites so that when you use our partner's services, we can record that a specific user ID has visited that service. This helps us analyze our audience in a similar way to when you visit our own website.

We allow our advertisers and partners to collect certain information when you visit our website by allowing them to place tracking mechanisms, such as cookies, pixels, beacons, Google AMP Client ID or other technologies, to collect and use information about you during your visits to this and other websites to provide advertising they think you will like.

By using or allowing these tracking mechanisms, we can prevent our partners from misrepresenting your online activities and ensure that we are honestly recording your personal information exchanges with our partners and advertisers. To learn about your options for opting out of data sharing, please refer to the "Opt-Out or Closing Your Account" section of this Privacy Statement.

We also use third-party companies to collect and process user information on our behalf to help us improve our website and find new members. These companies combine our information about your visits to our website with information they collect from outside our website and provide it to us so that we can optimize your experience on our website and across multiple devices, based on your interests.

To learn more about this behavioral advertising, including information about how to opt-out, please see our "Opt-Out or Closing Your Account" section.

We carefully vet third-party sources to ensure they are reputable and comply with applicable privacy laws. Any data we receive is integrated into our systems using appropriate security measures to protect your privacy.

Business Purposes and Categories of Personal Information We Collect

Our business is constantly evolving to create and provide you with the most relevant products and services. We collect different types of personal data for a variety of business reasons. For a full list of these reasons, please see Section 3.

Categories of third parties from whom we collect personal information

We collect your information from third parties who have information about you or about people who have similar information to the information we have collected about you. For more information, please see the "How We Use Your Information" section of this Privacy Statement.

We collect personal information about you from the following categories of third parties:

Advertisers

Data Enrichment Provider

How we use your information

Forbes Finance uses your personal information to provide, improve, and personalize our services, comply with legal and regulatory requirements, and protect our legitimate business interests. Below is a detailed breakdown of how we use your information, with examples to illustrate each use case.

Business Purposes for Collecting and Using Personal Data

When we have a lawful basis to collect your personal information, we collect it from a variety of sources, including but not limited to your explicit input and interactions on our website, our advertising on other websites, and through third parties who have information about you or about people similar to the information we have collected about you. We may combine your information with anonymous, aggregated information to infer about you or your interests. We will use all of this information to make our website and advertising relevant to you.
Business Purposes and Categories of Personal Data:

1. Operations: To manage our website, its performance, and internal operations, such as troubleshooting, testing, and forecasting usage and impact

Categories: Unique personal identifiers (e.g., online identifiers, usernames, or account names), email, browser or device identifiers, internet or electronic network activity (e.g., browsing history, search history, interactions with advertisements, interactions with websites or mobile applications, and receipt and response to emails)

2. Security: ensuring the security of our website and controlling access to your account and services

Categories: Name, physical address (including mailing and billing addresses), payment method and number (for example, credit or debit card), unique personal identifier (for example, online identifier, username, or account name), browser or device identifier, physical/geographic location or network location information (for example, GPS location or Internet Protocol (IP) address), network or electronic activity (for example, browsing history, search history, interaction with advertisements, interaction with websites or mobile applications, and receipt and response to emails)

3. Advertising: providing you with relevant advertising and measuring and optimizing our advertising effectiveness

Categories: Browser or device identifiers, physical/geographic or online location information (e.g., GPS location or Internet Protocol (IP) address), protected class characteristics (e.g., age and gender), education (e.g., education, ID, dates, attendance, disciplinary actions, mortality), commercial information (e.g., your purchase history or possessions), personal interests, inferences about consumer preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

4. Marketing: to let you know about products and services similar to the ones you subscribed to – on our website and elsewhere on the internet

Categories: Name, email address, phone number, physical address (including mailing and billing addresses), unique personal identifiers (for example, online identifiers, usernames, or account names)

5. Optimization: ensuring that our content, layout, and products are presented in the most effective way for you and your device

Categories: Unique personal identifiers (e.g., online identifiers, usernames, or account names), email, browser or device identifiers, internet or electronic network activity (e.g., browsing history, search history, interactions with advertisements, interactions with websites or mobile applications, and receipt and response to emails)

6. Fulfillment: Complete your transaction and provide you with information about goods and services you requested or that we believe may be of interest to you

Categories: Name, Email Address, Phone Number, Physical Address

7. Personalization: Allowing you to participate in interactive features of our Services when you choose to do so

Categories: Email address, unique personal identifier (e.g., online identifier, username, or account name), browser or device identifier

8. Research: To better understand our members, potential members and visitors so that we can improve our products and services and better target information about these products and services

Categories: Unique personal identifiers (e.g., online identifiers, usernames, or account names), browser or device identifiers, physical/geographical or network location information (e.g., GPS location or Internet Protocol (IP) address), protected class characteristics (e.g., age and gender), education (e.g., education, ID, dates, attendance, disciplinary actions, deaths), commercial information (e.g., your purchase history or possessions), personal interests, inferences about consumer preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

Categories of service providers to whom personal data is disclosed

We use service providers to process personal information for a variety of purposes that we would have difficulty fulfilling on our own. For example, to improve the likelihood of successfully processing your credit card when you purchase one of our services, we may want to submit a correctly formatted address to the credit card company. We may send the address you provide to the U.S. Postal Service to attempt to verify your address and provide a standardized version of your address with all fields in the expected location. In some states, these outside companies are called service providers. We disclose your personal information to the following categories of service providers so that they can process the information for us:

Document verification providers, such as the United States Postal Service

Content delivery providers such as Strongmail or Hubspot

Traffic monitoring and analytics providers, such as Hotjar

To maintain the accuracy and relevance of your personal information, we may share your personal data, browsing habits, or other identifying information with service providers and third parties. In return, they may provide us with additional email addresses, names, physical addresses, other identifying information, browsing habits, and demographic information, which may include education level, income, investment portfolio, race, gender, interests you have disclosed, and other personal information they infer about you. To learn about your options for opting out of this type of data sharing, please see the "Opt-Out or Closing Your Account" section of this Privacy Statement.

Categories of other third parties to whom personal information may be sold; and the business purposes for such sales

If you are a California resident, some of our disclosures of personal information are considered data sales, even if we do not receive any monetary value in return. In these "sales," we share personal information with the following categories of third parties:

Companies that provide advertising services, such as Facebook

Companies that offer header bidding auctions, such as Google

Marketing analytics companies such as Google

Information-rich companies, such as Infogroup

We share personal information with third parties through this type of "sale" for the following business purposes:

Advertising: To deliver relevant advertising to you and to measure and optimize our advertising effectiveness

Marketing: To provide you with information about products and services similar to those you have subscribed to on our website and other internet platforms. We do not use the information we receive through SMS alerts for marketing purposes.

Research: To better understand our members, potential members, and visitors so that we can improve our products and services and better target communications about those products and services.

Promotional Updates and Communications

Where permitted by one of the legal bases above, we will use your personal information for marketing analysis and to provide you with promotional updates (e.g., via email) about our products/services and those of our affiliates and business partners.

To learn about your options for opting out of marketing and promotions, please see the "Opt-Out or Closing Your Account" section of this Privacy Statement.

How we store and retain your information

We store your information in our own facilities, hosted data centers, and on database and storage servers at our contracted service providers. Your information may not be stored in the country where you reside. We typically store your information in the United States. If you reside in the European Economic Area, please refer to our European Users section.

We will retain personal information only for as long as necessary to comply with any legal obligations we may have and to process your information to provide our services (for example, if you continue to subscribe to one of our email services, we will need your information to send you that service via email). We may also retain aggregated information beyond this period for research purposes and to help us develop and improve our services. We cannot identify you from the aggregated information we retain or use for these purposes.

Updating or Correcting Your Information

If you wish to change the email address you use to receive paid newsletter subscriptions (such as Stock Advisor or ONE), or if you wish to change your password, you should go to your account page ( https://www.foolbull.com ). Then select:

i. Opting out or closing your account

Marketing and Promotions: If you do not want to receive communications from us via email, you may opt-out of receiving further marketing communications at any time by: (i) reviewing and updating your contact details in your account page (https://www.foolbull.com); (ii) clicking the "unsubscribe" link at the end of all marketing and promotional updates we send you; or (iii) completing this form.

Please note: If you are paying for one of our services, clicking the "Unsubscribe" link will not cancel your paid subscription, but may affect your ability to receive newsletters, announcements, or other product-related information. If you purchase a product or service from us, or if you register an account with us, we may contact you to confirm your purchase, subscription, or registration, or to provide you with information about its terms or features. You may wish to retain these transactional or relationship emails to help you use our products and services.

Behavioral Advertising: To learn more about this behavioral advertising, including how to opt-out, please: (a) visit the DAA Opt-Out, Evidon Opt-Out, and Google Analytics Opt-Out to learn how to opt-out of having your information collected by your browser for advertising purposes; (b) download the Evidon Ad Control app for iOS and Android to learn how to opt-out of having your information collected by mobile apps; (c) review the interests Google has associated with you at https://adssettings.google.com ; and (d) visit the Network Advertising Initiative’s opt-out page.

Please remember that some or all of these opt-out mechanisms use cookies to remember that you have opted out, and if you delete cookies from your browser, your opt-out will be deleted.

Withdrawal of Consent: If we process your personal information based on your consent, you may withdraw your consent at any time by: (i) reviewing and updating your data preferences in your account page (https://www.foolbull.com).

Unsubscribe: If you would like to unsubscribe from one or more of our services but do not want to completely delete your account, please contact us.

ii. Security and Protection of Your Information

We are committed to protecting your personal information. All information you provide to us is stored on our secure servers. Access to paid areas of the website, such as our communication services, is password-protected to safeguard your privacy and security. While we do our best to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. What does this mean? As in the investment world, you must protect yourself. You are responsible for maintaining the confidentiality of your password and/or any account information. If you need to change your password, please follow the steps below.

Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted to our website; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Our website may from time to time contain links to external websites. We are not responsible for the privacy policies or content of such websites.

Users 13 years of age or younger

Protecting children's safety when using the internet is very important to us.

This website is intended for use only by persons aged 13 or over. By using this website, you confirm that you meet this requirement. If you are under the age of 13, please obtain your parent/guardian's permission before providing any personal information to this website. Users who do not have their parent/guardian's permission are prohibited from providing any personal information to us.

If you are under 13, your parent or guardian must provide consent on your behalf when we ask for your consent to use your information.

Transparency and Accountability

Transparency and accountability are core principles of our privacy program. We achieve this by:

1. Clear Disclosure : We provide detailed information about our data practices in this Policy, on our Website, and in our User Agreements. For example, we disclose all third-party data recipients in our Privacy Notices.

2. Audit Trail : We maintain logs of all data access and processing activities to demonstrate compliance during regulatory audits. For example, we track who accesses your account data and for what purpose.

3. User Communications : We proactively communicate with users about privacy updates, breaches, or rights through email, in-app notifications, and our website.

4. Independent Audits : We engage third-party auditors to review our practices annually to ensure we meet or exceed regulatory and industry standards.

For example, if a new state law requires additional disclosures, we will update our policies, notify users, and train employees to ensure compliance within the required timeframe.

This Privacy Policy is intended to provide a comprehensive, transparent, and detailed overview of how FoolBull handles your personal information. We are committed to protecting your privacy, ensuring compliance with all applicable laws, and giving you control over your data. If you have any questions, concerns, or requests, please contact us at [email protected] .