Privacy Policy

Local Investing Resource Center's (“LIRC”) general policy is to respect and protect our users’ privacy.  This document (the “Privacy Policy”) explains what types of user information we collect, and under what circumstances we may disclose or share this information with third parties.  While we strive to protect your personally identifiable information and privacy, we cannot guarantee the security of information which you disclose to us, and all such disclosures are at your own risk.  By using LIRC’s Service, you consent to our use of information which is collected or submitted, all as described in this Privacy Policy and in the other Site Terms.  Capitalized terms used but not defined herein shall have the same meaning given them in the Local Investing Resource Center Terms of Use (the “Terms of Use”).

This Privacy Policy may change

LIRC may update or modify this Privacy Policy and/or the Terms of Use from time to time without prior notice. Your continued use of the Service following any such change constitutes your consent and agreement to follow and be bound by the new Privacy Policy and/or Terms of Use as modified. You should review this Privacy Policy and the Terms of Use from time to time whenever you log into the Service.  You can view LIRC's current Privacy Policy and Terms of Use at any time.

What types of user information do we collect?

Information which you give us

We receive and may indefinitely store any information which you post to the Service or provide to LIRC in any other way. For example, we collect information provided when you register with us, modify your account, upload User Material, contact us by telephone or email, etc.  This information may include, but is not limited to, your full legal name and physical address, full legal name of your company (if applicable), and a valid contact email address, telephone number and credit card number.

Information which is automatically collected

We receive and may indefinitely store certain types of information automatically whenever you interact with the Service.  For example, we use electronic "cookies" like many other internet-based companies.  Cookies are alphanumeric identifiers which are automatically transferred to your computer's hard drive when you use the Service, and may store certain types of personally identifiable information between visits.  We may also adopt newer technologies (including for example, but without limitation, HTML 5 local storage, “flash cookies” and “web beacons”) from time to time. 

Note Regarding Children’s Privacy

We are committed to protecting children's privacy on the Internet, and comply fully with the Children's Online Privacy Protection Act (COPPA).  We do not knowingly allow individuals under the age of thirteen (13) to use or otherwise access the Service, and we require that individuals under the age of eighteen (18) to have the permission of a parent or legal guardian in order to do so.  If a minor under the age of thirteen (13) has provided us with personally identifiable information, or if a minor under the age of eighteen (18) has done so without the required consent, we ask that a parent or legal guardian contact our user services at info@local-investing.com and we will investigate, and delete this information from our files if we determine the complaint to be well-founded.

Under what circumstances does LIRC share information it receives?

LIRC Affiliates

We may share information collected through the Service, including personally identifiable information, with our affiliates ("LIRC Affiliates"), as we determine necessary or appropriate from time to time in our sole business judgment (see e.g. “Third Party Hosting, Serving, Storage and Other Services” immediately below), including without limitation in order to improve the Services offered to our users.

Third Party Individuals and Organizations

Except as you may authorize from time to time through your use of the Service, or as we believe may be reasonably necessary in providing the Service (see e.g. “Third Party Hosting, Serving, Storage and Other Services” immediately below) and/or to comply with your Service instructions, LIRC and LIRC Affiliates will not disclose or share your personally identifiable information with third parties, whether by way of sale, license or otherwise.

THIRD PARTY HOSTING, SERVING, STORAGE, AND OTHER SERVICES

LIRC MAY contract with third party SUPPLIERS/VENDORS FROM TIME TO TIME, to provide FOR LIRC’s hosting, SERVING, storage, FINANCIAL CLEARING AND OTHER needs, ETC., INCLUDING WITHOUT LIMITATION COLLECTION AND STORAGE OF OUR USERS’ PERSONALLY IDENTIFIABLE INFORMATION.  LIRC SHALL NOT BE responsible or liable, and hereby disclaims all responsibility and liability, for culpable (including without limitation negligent) acts or omissions by its third party suppliers/vendors.

Aggregate/Anonymous Information

We may use our users’ personally identifiable information as raw source data, either standing alone or in combination with other aggregate/anonymous and/or personally identifiable information available from other sources, to compile and derive various aggregate/anonymous statistics (“Aggregate Information”).  Such Aggregate Information does not include or disclose the personally identifiable information of any user.  You understand and agree that we may use the Aggregate Information for any legal purpose, which includes but is not limited to promotional efforts, site usage analysis, and improvement of our Service offerings, as well as disclosure, sharing, licensing and/or sale of the Aggregate Information to third party individuals and/or organizations, etc.

Protection of Our Business and of Others

Anything in this Privacy Policy, the other Site Terms or elsewhere to the contrary notwithstanding, we may use or disclose information you provide to us, including personally identifiable information, if we believe such use or disclosure is necessary or appropriate (i) to comply with applicable law, including without limitation an order issued by a court or other tribunal of competent jurisdiction, (ii) to enforce our rights, including without limitation rights we have under this Privacy Policy and the other Site Terms, or (iii) to protect the integrity of the Service, and the safety of our users and the general public.

Business Transfer

If some or all of our business assets involving the Service were ever sold or otherwise transferred, we generally would transfer any corresponding information regarding its prior and current users, including personally identifiable information, in addition to retaining copies of the information so transferred.

E–Mails

You may receive e-mails from LIRC and/or LIRC Affiliates. You can discontinue LIRC e-mails at any time by clicking on the “unsubscribe” link within an e-mail you have received.  Please allow an appropriate amount of time for LIRC to process your request and to update our internal records.  You may still receive e-mails from our LIRC Affiliates and business partners if they received your contact information in compliance with this Privacy Policy, from other sources, or as a result of independent interactions with you.

Security 

We use Secure Socket Layer (SSL) technology when needed and practicable to protect the integrity and security of our users’ personally identifiable information and other information as it is transmitted to us (and as the Service further transmits it to third party APIs).  SSL technology is the industry standard protocol for secure online transactions.

Links to Other Websites

While using the Service, you may be linked or referred to other websites over which we have no control, and for which we bear no responsibility.  For example, if you "click" on banner advertisements, buttons or other links, you may be transferred to other Internet properties which are not owned or controlled by LIRC.  These other Internet locations may collect and maintain their own information (whether through cookies or otherwise) regarding their visitors, including personally identifiable information, in accordance with their own policies.  Please exercise appropriate caution in all such interactions.

Revised November 8, 2013.

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