Information You Provide To Us
Information We Collect Via Technology
In addition to any Personal Information or other information that you choose to submit to the Sites, we and our third-party service providers may use a variety of now and later developed methods or technologies that automatically or passively collect certain information whenever you visit or interact with the Sites (“Usage Information”). This Usage Information may include the browser you are using, the URL that referred you to our Sites, all of the areas within our Sites that you visit, and the time of day, among other information. We may use Usage Information for a variety of purposes, including to enhance or otherwise improve the Sites and your interaction with them. In addition, we collect your IP address or other unique identifier (“Device Identifier”) for your computer or other devices used to access the Sites (any, a “Device”). A Device Identifier is a number that is automatically assigned to your Device used to access the Sites, and our computers identify your Device by its Device Identifier. Whenever we associate Usage Information or a Device Identifier with your Personal Information, we will treat it as Personal Information.
A few of the methods and technologies that may be used to collect Usage Information include the following:
Cookies. A cookie is a data file placed on a Device when it is used to visit the Sites. A Flash cookie is a data file placed on a Device via the Adobe Flash plugin that may be built-in to or downloaded by you to your Device. Cookies and Flash Cookies may be used for many purposes, including, without limitation, remembering you and your preferences and tracking your visits to our web pages. If you choose to disable cookies or Flash cookies on your Device, some features of the Sites may not function properly.
Web Beacons. Small graphic images or other web programming code called web beacons (also known as “1x1 GIFs” or “clear GIFs”) may be included in our web pages and email messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a web page or email can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to the Sites, to monitor how users navigate the Sites, to count how many emails that were sent were actually opened or to count how many particular articles or links were actually viewed.
Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with the Sites, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider is active only while you are connected to the Sites, and is deactivated or deleted thereafter.
Purchases Made Through Our Sites
Personal Information from Other Sources
You may also choose to participate in a third party application (such as one of our Facebook applications or a similar application on a third party web site) through which you allow us to collect (or the third party to share) information about you, including Personal Information. The third party may allow you to remove the application, in which case we will no longer collect information about you through the application, but we may retain the information previously collected. In addition, we may receive information about you if other users of a third party web site give us access to their profiles and you are one of their "friends" or information about you is otherwise accessible through your friend's web page, profile page, or similar page on a social networking or other third party web site or interactive service.
Information You Provide About A Third Party
If you send someone else a communication from the Sites, such as sending an article to a friend or information about Products, we use the information you provide (typically, names and email addresses) to facilitate the communication and we do not use it for any other marketing purpose, unless we obtain consent from that person.
Use of Information
Please note that when you submit information to the Sites via a “contact us” or other similar function, you may not always receive a response. We will not use the information provided to contact you for marketing purposes unrelated to your request unless you agree otherwise.
Disclosure of Information
(b) Third Parties Providing Services on Our Behalf. We may use third party vendors to perform certain services on behalf of the Sites, such as hosting the Sites, designing and/or operating the Sites’ features, tracking Site analytics, enabling you to purchase Products and enabling NavPac Advisors, LLC to send you email newsletters or performing other administrative services. We may provide these companies with access to user information, including Personal Information, to carry out the services they are performing for you or for NavPac Advisors, LLC
(c) Co-branded Areas. Certain areas of the Sites may be provided to you in association with third parties (“Co-Branded Areas”) and may require you to disclose Personal Information in order to register for and access Products. Such Co-Branded Areas will identify the third party associates. If you elect to register for Products and/or services at Co-Branded Areas you may be providing your information to both NavPac Advisors, LLC and the third party associates. Further, if you sign-in to a Co-Branded Area with a username and password obtained on the Sites, your Personal Information may be disclosed to the identified third party associates for that Co-Branded Area and will be subject to the posted privacy policies.
(d) Sweepstakes, Contests and Promotions. We may offer sweepstakes, contests, and other promotions (any, a “Promotion”) through the Sites that may require registration. By participating in a Promotion, you are agreeing to the terms, conditions and official rules that govern that Promotion, which may contain specific requirements of you, including, except where prohibited by law, allowing the sponsor(s) of the Promotion to use your name, voice and/or likeness in advertising or marketing associated with the Promotion. If you choose to enter a Promotion, Personal Information may be disclosed to third parties or the public in connection with the administration of such Promotion, including, without limitation, in connection with winner selection, prize fulfillment, and as required by law or permitted by the Promotion’s official rules, such as on a winners list.
(f) Business Transfer. NavPac Advisors, LLC may share Personal Information with its parent and its and their subsidiaries and affiliates. NavPac Advisors, LLC also reserves the right to disclose and transfer all information related to the Sites, including, without limitation, your Personal Information, Demographic Information and Usage Information: (i) to a subsequent owner, co-owner or operator of the Sites or applicable database; or (ii) in connection with a corporate merger, change of control, consolidation, restructuring, the sale of substantially all of NavPac Advisors, LLC assets or other corporate change, including, without limitation, during the course of any due diligence process.
Your Choices Regarding Your Personal Information
When you receive promotional emails from us, you may indicate a preference to stop receiving such communications from us and you will have the opportunity to "opt-out" by following the instructions in the applicable email. If we contact you by telephone for promotional purposes, you may notify us at that time if you do not wish to receive further promotional telephone communications. Note that if you've provided multiple forms of contact information at different times, you may have to opt out for each set of contact information that you have added to your account. If you don't want to reply to an e-mail or you receive, or want a simpler way to opt out of receiving e-mails from us, you can just tell us what you want by contacting:
NavPac Advisors, LLC
150 E. Swedesford Road
Wayne, PA 19087
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of registration. The Sites may allow you to review, correct, change or update certain of the Personal Information in your account by logging in to your account and editing it, provided that it remains accurate, complete, and up to date. NavPac Advisors, LLC will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable.
You may request that we delete or destroy your Personal Information. We will make good faith efforts to delete or destroy any Personal Information that we have collected about you, solely to the extent permitted by law. When we delete electronic information that we have collected from or about you, it will be deleted from our active databases but may remain in our archives.
Information I Disclose Publicly
We incorporate commercially reasonable safeguards to help protect and secure your Personal Information. However, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use our Sites and provide us with your information at your risk.
Links to Other Sites
When you use the Sites, you could be directed to other sites that are beyond our control. For example, if you "click" on a banner advertisement, or a link, the "click" takes your browser off the Sites. We have no control over, do not review and are not responsible for the privacy policies of such other websites or other locations. These other sites and locations may send their own cookies or other tracking technologies to users, collect user data, or solicit Personal Information.
Transfer of Information to the United States
The Sites are operated in the United States and intended for users located in the United States. If you are located in the European Union, Canada or anywhere else outside of the United States, please be aware that information we collect will be transferred to and processed in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the Sites or providing us with any information, you consent to this transfer, processing and storage of your information in the United States.
NavPac Advisors, LLC
150 E. Swedesford Road
Wayne, PA 19087