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Privacy Policy
Canadian Residents Also See Canadian Privacy Policy
California Residents See Additional California Privacy Policy
Virginia Residents See Additional Virginia Privacy Policy

The following policy outlines the types of information that we gather about you and the way that way we use and don't use this information.

The information that we collect about our visitors falls into three general categories:

1. Information You Provide to Us.
We may collect and store information, personal or otherwise, that you voluntarily supply to us either on the ValueForum.com site, via e-mail, or in any other way. Some examples of this type of information include the information you submit (such as your name or e-mail address) when you register as a member, information that you post on message boards, and information collected in surveys. If you decline to supply or provide us with certain information, we may not be able to provide you with some services that are dependent on the collection of this information.

2. Information that is Automatically Collected.
We also collect and store information that is generated automatically as you navigate through the ValueForum.com site. For example, to enhance your experience at ValueForum.com, we use a standard feature found in browser software called a "cookie." Cookies are files that your web browser place on your hard drive for record-keeping purposes. Cookies prevent you from having to re-enter information on certain areas of our site where you have entered that information before. Another example of information that we automatically collect as you navigate our site is information about your computer's connection to the Internet. This information allows us, among other things, to improve the delivery of our web pages to you and to measure traffic on our site.

3. Information from Other Sources.
ValueForum.com may also obtain information about you from third parties or other sources and may combine the information that we receive from them with information we have already obtained about you.

How is the Information Used?

ValueForum.com uses the information it collects in a variety of ways, including, using the information to customize features that appear on the ValueForum.com site. In addition, we may also provide third parties with information about our visitors for a variety of reasons and purposes. For example, we may provide advertisers with information about our visitors that will better target ads to specific types of visitors.

We reserve the right to use and to disclose to third parties all of the information that we collect about you and our other visitors in any way and for any purpose, with one important exception. We will not use the information that we collect, nor will we authorize third parties to use the information that we collect, to mail or e-mail promotional offers directly to you unless you have specifically informed us that you would like to receive said promotional offers. One example of this is our recent BankInvestor.com member survey, which asks whether you would like us to contact you regarding a fund that invests in banks. We only make contact with you if you specifically indicate that you would like us to do so.

Please also keep in mind that whenever you voluntarily disclose personal information online -- for example on our discussion forum -- that information can be seen, collected and used by others besides ValueForum.com. ValueForum.com is an internet site accessable by the public, and we cannot be responsible for any unauthorized third party use of information that you choose to disclose in your own posts.

Please also note that as our business grows, we may buy or sell various assets. In the event that ValueForum.com is acquired by another company, information on our visitors would be among the transferred assets.

Disclaimer — Last Updated 2/28/2014

You will find the following dislaimer in the footer of every page on ValueForum.com:
Nothing in ValueForum.com is intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by ValueForum.com. ©2003-2023 info@valueforum.com

By visiting, using or viewing this site, or any components, including but not limited to video, whether hosted on this site or appearing on other partner and/or related or affiliate sites, you agree to the following Terms Of Service:

This web site, its components and the services therein (collectively the "The Site") may be updated at any time without prior notice.

These Terms of Service may be altered at any time without notice to the user(s). Changes to the Terms of Service will be made applicable one (1) day after changes are made. It is the user's responsibility to check back to the Terms of Service to keep informed about changes in policy.

The Site is provided on an as-is basis; BNK Invest, Inc. ("BNK") accepts no liability for the loss of any information or for the failure or partial failure of any component, feature, video or service to operate properly.

BNK reserves the right to remove any content, component, feature, video or service at any time and to terminate any user account and/or refuse service to any user determined by BNK to have violated this agreement or any applicable law.

You, as the user takes responsibility for purchasing, or acquiring and utilizing any necessary equipment and services used in visiting this site, including paying for all associated costs.

BNK and its officers, directors, employees, affiliates, suppliers, advertisers, and agents disclaim all express, implied or statutory warranties of title, non-infringement, merchantability and fitness for a particular purpose with regards to any information or service provided.

Your business with, purchasing of products from, or participation in promotions of, advertisers found on or through The Site, and any terms, conditions, warranties or representations associated with such business, are solely between you and the advertiser. Furthermore, you agree that BNK shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such business or as the result of the existence of such advertisers and/or advertisements on The Site.

You agree to comply with all local laws regarding online conduct and, to the extent applicable, laws relating to the transmission of securities-related data.

All content posted on The Site by a third party is the responsibility of that third party and is not of BNK. BNK is the distributor of this third party content and assumes no responsibility for content nor makes any claim as to the accuracy or validity of the third party content, including but not limited to video, or services made available within The Site.

Employees, officers, family, associates, corporations, companies and entities related to BNK and its publishers may have positions or business interests in securities, ETFs or commodities covered.

The sole and exclusive maximum liability of BNK for any damages or losses shall be the amount paid to BNK directly by the user, if any, for access to the The Site.

Any ideas and opinions presented on The Site are for informational and educational purposes only, and do not reflect the opinions of BNK Invest, Inc. or any of its affiliates, subsidiaries or partners.

In no way should any content contained herein be interpreted to represent trading or investment advice. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. BNK Invest, Inc. is not registered as an investment adviser or broker-dealer with the United States Securities and Exchange Commission or any state regulating agency. Rather, BNK Invest relies upon the "publisher's exclusion" from the definition of investment adviser as set forth in Section 202(a)(11) of the Investment Advisers Act of 1940, as amended, and corresponding state securities laws. As such, BNK Invest does not offer or provide personalized investment advice.

All users, visitors, and viewers agree that under no circumstances will BNK Invest, Inc,. its subsidiaries, partners, officers, employees, affiliates, or agents be held liable for any loss or damage caused by your reliance on information obtained.

BNK may provide services, content, data and other information from third party providers, or affiliates and/or links to third party content, whose terms of service may regulate the use of the content.

When content from this site, including but not limited to video, appears on the site of a third party partner, affiliate or any other third party site these Terms of Service will control with respect to such content.

The Site is for use at your own and solely your own risk. The Site is provided on an "as is" and "as available" basis. BNK expressly disclaims all warranties of any kind, whether implied or express, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

BNK makes no warranty that (a) The Site will meet your requirements, (b) The Site will be uninterrupted, timely, secure, or error-free, (c) The Site will be accurate or reliable, (d) the quality of any information, services, or anything otherwised obtained, downloaded, viewed, or used by you through The Site will meet your expectations, and (e) any errors or bugs in The site will be corrected.

Proprietary ranking formulas, including ranks by yield, by average broker recommendation (Zacks ABR data powered by Xignite), by percentage of shares short (short interest data from ShortSqueeze.com), etc., do not rank all ETFs, nor all underlying holdings of ETFs, and may not be based on complete, timely, or accurate data. Yield calculations vary and may not be reliable nor comparable; yield may be expressed as SEC 30-day yield, annualized yield based on most recent distribution, trailing twelve month yield, or reported yield. Rankings are for informational purposes only and do not constitute investment advice.

DIGITAL MILLENNIUM

As per the Digital Millennium Copyright Act of 1998, BNK Invest, Inc. will reply to claims of copyright infringement committed. If you own a copyright, report your notice of infringement by emailing BNK Invest Inc. at info@bnkinvest.com.

Include the details below:

A) an electronic signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest

B) description of the copyrighted work or other intellectual property that you claim has been infringed

C) a description and link of where the material that you claim is infringing is located on the site

D) your address, telephone number, fax number and email address

E) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law

F) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

BNK Invest, Inc. forbids copying, distribution, modification, public display, or any other use of copyrighted works that causes an infringement of the copyright holder's rights. As a condition to your use of the site, you agree that you will not use the website to infringe the intellectual property rights of others.

Important Investment Disclaimer

The analysis and information on the site is for informational purposes only. No part of the material presented on any other BNK Invest-owned web site is intended as an investment recommendation or investment advice. Neither the information nor any opinions expressed constitute a solicitation to purchase or sell securities or any investment program. Opinions and forecasts expressed may not actually come to pass. The opinions and viewpoints regarding the future of the markets should not be construed as recommendations of any specific security nor specific investment advice. Investors should always consult an investment professional before making any investment.

Any investment decisions must in all cases be made by the reader or by his or her investment adviser. Do NOT ever purchase any security without doing sufficient research. There is no guarantee that the investment objectives outlined will actually come to pass. All opinions expressed herein are subject to change without notice. Neither the editor, employees, nor any of their affiliates shall have any liability for any loss sustained by anyone who has relied on the information provided.

The analysis provided is based on both technical and fundamental research and is provided “as is” without warranty of any kind, either expressed or implied. Although the information contained is derived from sources which are believed to be reliable, they cannot be guaranteed.

By accepting emails, including various paid subscriptions and free email reports and newsletters, you agree to the terms of the Disclaimer as such may be amended from time to time.

You understand that performance data is supplied by sources believed to be reliable, that the calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

When U.S. exchanges are open, stock quotes shown on the Site are delayed by at least 15 minutes. When U.S. exchanges are not open, quotes are only current as of the close of the last day of trading. Before selling or buying any stock or other investment, you should consult with a qualified broker or other financial professional to verify pricing information.

You may not republish, upload, post, transmit or distribute content from the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

U.S. Government Required Disclaimer — Commodity Futures Trading Commission.

Futures and options trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don't trade with money you can't afford to lose. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website. The past performance of any trading system or methodology is not necessarily indicative of future results.

CFTC RULE 4.41 — HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN

Options involve risk. Prior to buying or selling an option, an investor must receive a copy of Characteristics and Risks of Standardized Options. Investors need a broker to trade options, and must meet suitability requirements.

Conduct

In connection with your use of the Site, you agree not to:

* Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of "hacking" or defacing any portion of the Site;
* Use the Site for any unlawful purpose;
* Express or imply that any statements you make are endorsed by us, without our prior written consent;
* Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site;
* "Frame" or "mirror" any part of the Site without our prior written authorization;
* Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents;
* Harvest or collect information about visitors to the Site without their express consent.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein.

Links to Other Web Sites

Your use of certain services on the Site may be governed by additional rules, which are available on the Site or by hyperlink from other sites, in connection with the service. By using any service you are acknowledging that you have reviewed all corresponding rules and agree to be bound by them. Some of the services may have been provided by third parties for your use. In the event that any service or tool is provided by a third party, such service or tool may become unavailable in the event that the agreement between us and the third party is terminated. You expressly acknowledge and agree that your use of all services and tools is solely at your risk. The Site may contain links to other Internet web sites or resources. We neither control nor endorse such other web sites, nor have we reviewed or approved any content that appears on such other web sites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

A possibility exists that the Site could include inaccuracies or errors, or materials that violate this terms of use agreement. Additionally, a possibility exists that unauthorized alterations could be made to the Site by third parties. Although we attempt to ensure the integrity of our web sites and other products and services, we make no guarantees as to the completeness or correctness of any content on the Site.

Indemnification

You agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Site; or (c) your violation of the rights of any third party.

Any use of The Site is done at your own risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the use of any such material.

No advice or information, whether oral or written, obtained by you from BNK or from The Site shall create or imply any warranty not expressly stated in these Terms Of Service.

It is possible that certain visitors may experience epileptic seizures when exposed to certain light patterns or backgrounds on a computer screen or while using The Site. Certain conditions may induce previously undetected epileptic symptoms even in users who have no history of prior seizures or epilepsy. If you, or anyone in your family, have an epileptic condition, consult your physician prior to using the service. Immediately discontinue use of the service and consult your physician if you experience any of the following symptoms while using the service: dizziness, altered vision, eye or muscle twitches, loss of awareness, disorientation, any involuntary movement, or convulsions.

You expressly understand and agree that BNK shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, use, good will, information or other intangible losses (even if BNK has been advised of the possibility of such damages), resulting from: (a) the use or the inability to use The Site; (b) unauthorized access to your data; or (c) statements or conduct of any third party on The Site. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO TERMINATE USE OF THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO BNK INVEST, RIDGE, BOTH COMPANY'S OFFICERS, AND EMPLOYEES FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE.

Taxes

If you are a New York State resident, we must charge sales tax. You agree to pay all applicable taxes.

These Terms of Service and the relationship between you and BNK shall be governed by the laws of the State of New York without regard to its conflict of law provisions. You and BNK agree to submit to the personal and exclusive jurisdiction of the courts located within Nassau County, NY.

Failure of BNK to enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. In the case that any provision of these Terms of Service is found to be invalid, the parties agree to give effect to the parties' intentions as reflected in the provision, and the other provisions of these Terms of Service remains in full force and effect.

The Site and its contents are the property of BNK. The Site is provided for non-commercial use only. The Site and all of the contents are protected under United States and International copyright laws. You agree not to copy, reproduce, record, video, photograph, upload, post, transmit, publish or distribute any material in any form other than for personal use, without the express written permission of BNK.

BNK may alter or discontinue all, any or portions of The Site immediately, in its sole discretion, at any time without cause. BNK may terminate access to any user and use of The Site, immediately, in its sole discretion, at any time without cause. These Terms Of Service comprise the entire agreement between you and BNK and shall govern your use of The Site.

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of The Site or these Terms of Service must be filed within one year after such claim or cause of action arose or be forever barred.

Privacy Policy

We collect IP addresses for site security and to help us understand how people use the site. We use cookies which contain bits of information that websites transfer to your computer's hard drive for record-keeping purposes. We may give your browser a cookie, however the cookie does not tell us who you are.

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.

We use cookies to gauge our audience size and patterns. We use cookies to target content and ads based upon user interests. Our advertising networks may place or use a unique cookie on your browser.

We may use third-party networks to serve advertisements on the site and in our emails. These third-parties may use cookies, and/or similar technologies. BNK does not control or access these cookies. Use of their tracking technology is subject to their own privacy policies.

We may disclose your personal information as required by applicable law, or in response to legal process to defend the rights or property of BNK.

The ads appearing on this Web site are delivered to you third parties. Information about your visits to the site, such as the number of times you have viewed an ad is used to serve ads to you.

Use of the site is not intended for children under the age of 18. We are in compliance with the Children's Online Privacy Protection Act and will not knowingly collect or use personally identifiable information from anyone under 18.

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.

Category

Examples

Purposes (BNK Invest may not use each data type in the ''Examples'' column for each purpose listed out)

Disclosed to

Identifiers

Name, alias, postal address, unique personal identifier, online identifier, internet protocol (IP) address, email address, account name, or other similar identifiers

To communicate with you; to provide products and services; for surveys, sweepstakes, and contests; marketing and promotions; to enable commenting and communities; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients; to enhance the information we may have on you; security and fraud prevention; to enable exercise of privacy rights

BNK Invest affiliates; service providers; event sponsors; business and advertising partners

Customer records information

Name, signature, physical characteristics or description, address, telephone number, education, employment, employment history, or other similar information. Some personal information included in this category may overlap with other categories

To communicate with you; to provide products and services; for surveys, sweepstakes, and contests; marketing and promotions; to enable commenting and communities; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients; to enhance the information we may have on you; security and fraud prevention; to enable exercise of privacy rights

BNK Invest affiliates; service providers; event sponsors; business and advertising partners

Characteristics of protected classifications under California or federal law

Age, race, national origin, citizenship, marital or familial status, sex, gender, and other similar information

To provide you with products and services; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising (e.g., based on age or gender); to consider you for a BNK Invest list or similar accolade

BNK Invest affiliates; service providers; event sponsors; business and advertising partners

Commercial information

Records of products or services purchased, purchasing or consuming histories or tendencies.

To communicate with you; to provide products and services; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising

BNK Invest affiliates; service providers

Internet or other similar network activity information

Browsing history, search history, information regarding consumer's interaction with a website, application, or advertisement

To communicate with you; to provide you with products and services; for surveys, sweepstakes, and contests; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising; security and fraud prevention; to enable exercise of privacy rights

BNK Invest affiliates; service providers; business and advertising partners

Geolocation data

Location tracking information

To communicate with you; to provide you with products and services; for internal reporting; to serve you content recommendations and targeted advertising; security and fraud prevention

BNK Invest affiliates; service providers; business and advertising partners

Sensory data

Audio, electronic, visual, or similar information

To provide you with products and services; in relation to your user profile, your BNK Invest list or similar accolade profile, or when you post content; customer service call recordings

BNK Invest affiliates; service providers; business and advertising partners

Professional or employment-related information

Employer, employment history, and other employment-related information

To communicate with you; to provide you with products and services; for surveys, sweepstakes, and contests; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients

BNK Invest affiliates; service providers; event sponsors; business and advertising partners

Inferences

Inferences drawn from any of the categories described above to create a profile about a consumer reflecting the consumer's preferences and characteristics

To communicate with you; to provide you products and services; for internal reporting; to serve you content recommendations and targeted advertising; for surveys; marketing and promotions

BNK Invest affiliates; service providers; business and advertising partners

Sensitive personal information

Social security, driver's license, state ID, or passport number; credit card number in combination with any required security or access code; racial or ethnic origin.

We collect your payment card information to process and manage transactions; with your consent, we collect racial or ethnic origin information from event registrants to track and improve upon diversity

BNK Invest affiliates; service providers

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:

  • Identifiers
  • Customer records information
  • Characteristics of protected classifications
  • Internet or other similar network activity information
  • Geolocation data
  • Professional or employment-related information
  • Inferences

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

  1. Right to Know

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:

  • The categories of Personal Information we collected about you.
  • The categories of sources from which the Personal Information is collected.
  • Our business or commercial purpose for collecting or selling that Personal Information.
  • The categories of third parties with whom we share that Personal Information.
  • The specific pieces of Personal Information we collected about you (see Data Portability Rights below).
  1. Right to Delete

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.

  1. Right to Data Portability

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.

  1. Right to Correct

You have the right to request the correction of any Personal Information we maintain about you.

  1. Right to Opt Out of Selling or Sharing Your Personal Information

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: info@bnkinvest.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 info@bnkinvest.com.

  1. Right to Limit the Use of Your Sensitive Personal Information

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 info@bnkinvest.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:

  • Denying you goods or services.
  • Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Providing you a different level or quality of goods or services.
  • Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
  1. Exercising Your Rights

To exercise the rights described above, please contact us by using the following methods:

  • Calling us at (516) 605-2277; or
  • Email us at info@bnkinvest.com with the subject line: California Resident CCPA Request to submit a request.

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:

  • Right to know. You have the right to know whether we process your personal information.
  • Right to data portability. You have the right to access and obtain a copy of your personal information that you previously provided to us in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another business without hindrance, where the processing is carried out by automated means. You may request such personal information up to twice annually, subject to certain exceptions.
  • Right to delete. You have the right to delete personal information that you have provided by or that we have obtained about you. Please note that we may deny such request if the requested deletion falls under an exception to this right set forth in the CDPA. Additionally, if you request deletion of your personal information and we have obtained such information from a third-party source, we may retain such data by keeping a record of the deletion request and the minimum data necessary to ensure that your personal information remains deleted from our records and that such retained data is not used for any other purpose, or we may opt you out of the processing of such personal information for any purpose except for those allowed under the CDPA.
  • Right to opt out of selling or sharing. You have the right to opt out of the processing of the personal information for purposes of: (i) targeted advertising; (ii) the sale of personal information; or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. As of the latest date of the Privacy Statement:
    • We DO process personal information for the purposes of targeted advertising;
    • We DO NOT sell your personal information in exchange for monetary consideration;
    • We DO NOT engage in profiling decision based on your personal information that produce legal or similarly significant effects concerning you.
    • If you wish to opt out of the processing of your personal information for the purposes of targeted advertising please email us at info@bnkinvest.com.
  • Right to correct. You have the right to correct inaccuracies in the personal information we collect from you, taking into account the nature of the personal information and the purposes for which we process it.
  • Right to nondiscrimination. You have the right not to receive discriminatory treatment by us for the exercise of your Virginia privacy rights. Unless permitted by the CDPA, we will not:
    • Deny you goods or services.
    • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
    • Provide you a different level or quality of goods or services.
    • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

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:

  • Calling us at (516) 605-2277; or
  • Emailing us at info@bnkinvest.com with the subject line: Virginia CDPA Request to submit a request.

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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