This Privacy and Communications Policy ("Policy") is effective as of September 10, 2018.
This Policy sets forth how MyVal LLC, a California limited liability company ("We" or "Us"), in operation of www.moneybee.net ("Website") collects and uses the information you provide to us and certain other information that we automatically collect through your access and use of this Website, any mobile application offered by us or through any communications with us.
If you have any general questions or concerns about this Policy, you may contact us by submitting your questions, comments or concerns in the Help section after selecting the topic "Security, privacy, commercial use". You can also email us at moneybee@myvalcenter.com.
If we decide at any time to change this Policy, we will revise the effective revision date posted at the top of this Policy and we will also notify you by posting a notice of the change prominently on our home page and/or upon the next time you access this Website. Failure to opt out after receiving notice and following the opt-out instructions contained in the notice shall be deemed to be your assent to any such changes.
We collect your email address as the only direct item of personally identifiable information (collectively "Identity Information") that you submit through your use of the Services. You will be asked to create and provide a username and password each time you log-in to access the Services and we collect and store this information in our database. We never collect your social security number, name, physical address, ZIP code, phone number or any payment information.
(Advisers Only) If you are a financial professional who intends to subscribe to our Professional License, we may also collect your name, ZIP code, professional credentials, and payment information. You will submit your payment information directly to our payment processor and this information will never be stored on our servers. None of your personal data will ever be disclosed or shared with our users or any third parties. The only exception is if you signed up for the Networking Service under the Professional License, in which case your name and credentials may be listed publicly on our website.
When you provide any Identity Information through any form contained on this Website in order to contact us or send us a message, we collect and store this information. We may use your email or any other Identity Information you provide as expressly set forth in this Policy.
When you provide your and your partner's date of birth, number of dependents, marital status, state of residence or retirement residency, income information, retirement account and social security benefit amounts, amount of mortgages on properties you own and related property tax information, and any other demographic and financial information (collectively known as "Demographic Information") we collect and store such Demographic Information. This information is primarily used in producing your retirement planning analysis. We may also use this information internally to assist us to analyze the profiles of users of the Services and our web traffic in general. We will never share this information in association with your Identity Information. As our website grows, we do intend to generate and share anonymous statistics about retirement readiness to help policymakers, employers, and business leaders better understand the needs and challenges of our retirement system. However, no such data we aggregate and share would be able to identify any users of the Services and would never be bundled in such a manner that would allow any such recipients to be able to identify you. Your information used in such studies will be anonymized.
When you leave any comments in connection with any of our articles, we collect and store this information in our database along with your email address. We use any Identity Information we collect from you as described in this Policy. Comments posted on our forums, by their nature, are immediately and publicly visible to all visitors to this website and they are not private. When you share information publicly, it may be indexable by search engines. Do not post information you consider to be private in nature.
Children under the age of 13 are expressly prohibited from submitting or posting any Identity Information on this Website. If it does come to our attention that any child under the age of 13 has submitted any personal information to this Website, we will delete all such information that we have collected immediately. If you are a parent or guardian and you discover that your child under the age of 13 has submitted any of his or her Identity Information without your permission or consent, we will remove the information immediately upon your request. All requests should be made by email and sent to moneybee@myvalcenter.com. Please include the email address your child used to log into MoneyBee and a description of the type of information you think he or she may have submitted to this Website.
When you access our Website, we may collect and store through our host provider certain non-personally identifying information sent automatically by your browser using standard web server logs and automatic data collection tools such as cookies and web beacons. This information may include your IP address, which may tell us your general location information such as your country and sometimes your city, state and/or zip code, the domain name from which you access our Website, your browser type and language, the pages you access, the date and time you access pages on our Website and your operating system version. We also may determine what technology is available through your browser in order to provide you with the most appropriate version of any of our web pages. For example, we may determine that you have installed a version of Flash, and we will then send you the appropriate Flash version of the web page rather than an HTML page. We may also use this information to redirect you to a different version of our Website if you are accessing our Website through a mobile or similar device.
We may automatically collect device-specific information about your mobile and other devices such as the type of device you are using, mobile network information including phone numbers, device model, manufacturer, screen resolution, device capabilities, service provider, preferred user language and your page views. We do this to help us optimize your experience with our Website on that device. This information does not identify your device uniquely.
We along with third parties that assist us to operate this Website may monitor your use of this Website through cookies, web beacons and other "automatic data collection tools." Unless you have adjusted your browser setting to refuse all cookies, some cookies are placed on your browser immediately as soon as you visit our site. Cookies and similar collection tools are files with a small amount of data, which may include a unique identifier. Cookies are sent to your browser from a website and transferred to your device. We reserve the right to monitor your use of this Website and track you as described in this Cookies policy by the use of any automatic data collection tools at all times and you consent to the use of these tools when you use and access our Website.
This Website may use both "first-party cookies" and "third-party cookies." First-party cookies are those used by our Website each time you visit our Website. Third-party cookies are cookies that are set by a third-party source other than our Website. We do not have access to or control over these cookies. We also may use both "persistent cookies" that remain on your device for the period of time specified in the cookie (these cookies are activated each time you visit our Website), and "session cookies," which allow us to track your actions on this Website during a browser session. Each time you open up a browser window and close the browser window represents a single browser session. All session cookies are created temporarily and are deleted once you close your browser window.
Both the first-party and third-party cookies and tracking technologies that may be used on this Website can be broadly divided into the following categories:
i) Necessary cookies help make our website usable by enabling basic functions like page navigation and access to secure areas of the website. Our website cannot function properly without these cookies.
ii) Statistic cookies help us understand how visitors interact with websites by collecting and reporting information anonymously.
Your Website Use: We may use automatic data collection tools to track and record your Website use and activity data, including the pages you view and how long you spend on each page or portion of our Website, the links you click on, the features of this Website you access, whether you are a new vs. repeat visitor or in order to monitor your interactions with any video or other content that you access on this Website ("Use Information"). This is done primarily for website traffic and general user analysis purposes. We also do this to help measure and research the effectiveness of the features contained on this Website.
Analytics Services: We may use third party web analytics services, such as Google Analytics, in order to collect information about your use of this Website. We pass a "first party cookie" onto your browser directly from our Website when we use Google Analytics. You may opt out of Google Analytics by using Google's Browser Add-on at Google Tools.
We may also use third party "Flash cookies" on this Website that use an Adobe Flash Media Player local shared object (LSO). Flash cookies are unlike traditional browser (HTTP) cookies and, in some cases, any browser cookies you delete or disable will be re-generated by the Flash cookie. Flash cookies are stored in a different location on your computer than traditional browser cookies, have no expiration date by default and can contain much more information than browser cookies. Flash cookies can sometimes be managed through your browser settings. (Adobe also allows you to control Flash cookies on its Flash Player Setting Manager page.)
Our website does not currently use any third-party cookies.
You can block our cookies or third-party cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies), you may not be able to use all or parts of our site in the manner intended.
Your Internet browser allows you to change your cookie settings in the "options" or "preferences" menu of your browser. Please visit the following link for more information on these settings in various browsers.
For even more information about deleting or blocking cookies, please visit AboutCookies.
We may also provide access to services or features on our Website that enables you to share information with certain social networks and interact with us on our social media fan pages or other social media platforms that we may utilize. This may include the Facebook "Like" or share buttons or the Facebook "Comments" feature, social media "follow-us" buttons, etc., all of which are administered via third-party applications or scripts that run on our Website. (For example, Facebook will attempt to track your use on our Website by placing Javascript code through the "like" button and that piece of code then allows Facebook to run a script on your browser which can set cookies and make more tracking requests). Your use of these features may result in the collection or sharing of information about you by these third-party social media websites. This may include collecting your IP address, tracking your use on our Website and other third-party websites containing the same social media features, including the pages you visit, duration, time, etc., through the use of a cookie or other unique identifier placed on your browser by such third parties. Your interactions with these social media features are governed by the privacy policy of the party that provides the specific feature or application. You should carefully review the privacy policies and settings on those specific social media sites. In addition, these standalone plugins that integrate into our website may also communicate with an external server controlled by the plugin provider as part of their service. We shall, under no circumstances, have any liability to you whatsoever for the information collection and use/disclosure practices of any such third party that has provided or made available any social media feature or application that you use on our Website.
You may be given the opportunity through this Website to contact or obtain more information regarding certain services that are offered by financial professionals, who are using the Services under a Professional License. Please note that we do not share any of your data with these professionals. Also, the only permitted way of connecting with such professionals outside of this Website is by following the link provided next to their names in your search results. In most cases, we will also provide a "verify" link which will take you to their public profile on their licensing organization's website where you can verify their credentials and see their areas of specialization. Sharing your name or contact information on our forums is prohibited. Financial professionals are also prohibited from sharing their contact information or asking for yours on our forums. Any information you share with these professionals in your private communication with them (outside of this Website) is outside the scope of this privacy policy. WE SHALL NOT, UNDER ANY CIRCUMSTANCES, HAVE ANY LIABILITY TO YOU FOR ANY DAMAGES OF ANY KIND WHATSOEVER FOR THE MANNER IN WHICH ANY SUCH THIRD PARTY FINANCIAL PROFESSIONALS USE OR DISCLOSE ANY PERSONAL, FINANCIAL OR OTHER INFORMATION/DATA YOU PROVIDE VOLUNTARILY, OR THAT IS COLLECTED THROUGH YOUR USE OF ANY OF THEIR WEBSITES, BY YOUR USE OF THIS WEBSITE.
In addition, we rely on third-party service providers (as listed under Our Data Processors and Subprocessors below) to operate this Website that may have limited access to your Identity Information. By using this Website, you affirmatively consent to have that information shared with these third parties for the limited purposes stated herein.
A data processor is any third-party that we use to operate this Website or provide our Services to you who has or potentially will have access to or process any personal data you provide to us. These data processors may engage different types of subprocessors to perform various functions. This limited access is incidental to the services being provided by such third parties to us to operate this Website and/or to provide the Services to you and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services to us or to facilitate any transactions with you.
In addition, we require all of our data processors and subprocessors to:
- Process personal data in accordance with our documented instructions;
- Use only personnel who are reliable and subject to a contractually binding obligation to observe data privacy and security, to the extent applicable, pursuant to applicable data protection laws, in connection with their subprocessing activities;
- Provide regular training in security and data protection to personnel to whom they grant access to any personal data;
- Implement and maintain appropriate technical and organizational measures (including measures consistent with those to which we may be contractually committed to adhering to insofar as they are equally relevant to the subprocessor's processing of personal data on our behalf);
- Promptly inform us about any actual or potential data breaches; and
- Cooperate with us in order to deal with requests from data controllers, data subjects or data protection authorities, as applicable.
We use the following data processors:
A. Infrastructure & Data Storage
Hosting/Data Storage. We use Amazon Cloud (AWS) to host this Website and store your data on their cloud-based servers.
B. Specific Services
Payment Processors. When you purchase a Professional License to use the Services, the payment will be processed through Stripe and your payment information will never be processed or stored on our servers.
Website Security. We use Sucuri to secure our website, including the use of a firewall and protection from malware and any other forms of attack on our Website. Should any malware infiltrate are Website and/or databases, their team of engineers is available 24/7 to identify and manually resolve any issues.
Your California Resident Privacy Rights: California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of their personal information to third parties for their direct marketing purposes. California law also allows California residents to opt out of having this information disclosed. We would hereby like to disclose that we do not share your personal information or information you have entered into our website, or information we might have gathered in the course of operating our website, with any third party for their direct marketing purposes. This applies to all of our users regardless of their state or country of residence.
We are committed to keeping this Website ad-free to provide you with a comfortable and bias-free environment for your retirement planning. We do not share any Identity Information with any third party, including advertising agencies or our commercial users. We make every effort to respect your privacy and we will never sell, license or disclose any of your Identity Information, by itself or bundled with any Use Information or other information you provide or that we collect to any third parties for any purpose not expressly set forth in this Policy without your express written consent. We only share or disclose any Identity Information or other information collected from You as expressly set forth in this Policy.
We may disclose certain Identity information if i) requested via a subpoena, court order, or local, state, federal or international law enforcement request to release any such information; or ii) in order to investigate and help prevent security threats, fraud or other malicious activity; or iii) to protect our rights or protect our property, or any of the rights of our customers or other third parties.
When you visit this Website, submit posts on our forums or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. All posts submitted by you on the forums of this Website shall not be treated as confidential and shall be deemed to be accessible to the general public. You should not transmit any information in your posts that you intend only the intended recipient(s) to read. Notice is hereby given that all messages or electronic data transmitted onto this Website can and may be read by us, regardless of whether we are the intended recipient of any such message(s).
The recommended way to communicate issues, questions or suggestions to us is through our forums. However, on rare occasions, our support staff may need to contact you directly (that is, outside of our forums). Any personal, demographic, or financial information you provide to us via email, phone, or screen share will be deemed strictly confidential. Every member of our staff is required to sign a confidentiality agreement. Nonetheless, we try to keep such disclosures of personal information to a minimum. Our staff only needs to know enough to understand and fix the technical issue at hand. Also, most of the time we can replicate, diagnose and fix the issue without contacting you directly.
We take the security of your data very seriously. All traffic between your browser and our servers is strongly encrypted. Our databases are also strongly encrypted at rest. We use Amazon Cloud (AWS) to host our databases. We also use Sucuri to build a firewall around our servers to protect us from cyber attacks. Their team of data security engineers monitors and resolves any threats 24/7.
Any Identity information and all other information which we collect on this Website will be stored and processed in our servers located in the United States. If you reside outside the United States, you consent to the collection, transfer, storage and processing of any information from your country to the United States.
- If you are a free basic user, the only Identity Information we store is your email address. Since your email address is used as your username, it cannot be changed without creating a new account.
- If you are a financial professional who has subscribed to our Professional License, you can view and edit your Identity Information in the "Advisers Only" section after you sign in with your email and password.
Upon any acquisition, merger, sale or other change of control of our business/organization, we reserve the right to transfer any Identity information you have submitted to this Website as part of the property owned by us to our successor resulting from such merger, acquisition, sale, etc. In the event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, We reserve the right to transfer your Identity Information to protect any of our rights or as required by law.