Our Legal Policies

We take our role in espousing, and remaining accountable to, principles of publishing ethics very seriously. Publishing ethics is the sine qua non of our entire operation. As part of this commitment, we carefully delineate the roles of our authors, our publication partners, our editors, and the public insofar as any allegations of misconduct are made.

 

While our editors and authors enjoy broad discretion in selecting and approving submitted content for our many publications, we reserve the right to decline to publish or, later in time, remove any articles for violation of these Guidelines.

 

We recognize that Guidelines are only that. Real world situations pose significant challenges to our editorial process and require great investment by our team, our partners and our readers to ensure we are maintaining ethical standards and the highest degree of integrity in our operation. As part of our agreement with all of our publishing partners, these partners inherit our standards of ethics in their process of generating and evaluating potential article contents. Each submittal must be paused until our Guidelines have been applied and the piece is found to be fully compliant.

 

Our Ethical Boundaries

The touchstone of ethics in publishing is balancing subjective factors and fostering creativity with normative principles of truthfulness, editorial integrity, and good faith. We do not publish submitted content that involves, promotes or incites hate speech, obscene content including certain erotic sexual content, illicit drugs, plagiarized content, lawlessness, content that incites harmful or dangerous acts such as extreme physical violence, minors participating in dangerous activities, fundraising for cryptocurrency or related projects (eg, Web3), hacking, instructions to harm, or extremist material. This list is not intended to be exhaustive and necessarily changes from time to time.

 

Our responsibility is to disseminate our ideals, our policies, and to adequately train our own internal team members and publishing partners. We also continually monitor the publishing environment and adjust our standards accordingly. Our internal compliance team works tirelessly to monitor submitted content and existing article content to ensure our diverse publications meet our Guidelines and that our Guidelines reflect the evolving standards of decency in our society.

 

How to Report Violations

Mark or indicate specifically which article and what language or statement you believe violates our Guidelines. Please provide the name of the publication, the exact location or placement of the article, a page number, and beginning and end point of the violative content. [Providing a hyperlink to the page in question Is strongly encouraged]

 

Please clearly state what passage or segment of content and how the content violates our Guidelines. For example, if an article reflects plagiarized media, please identify the passage or violative content and identify the original content it purportedly plagiarizes from.

 

Support your complaint with any supporting documentation or information via email to editor@financescam.com

 

Please show as much patience as practicable as we undertake a complete investigation which starts with our intake team and escalates to our compliance department who in turn communicates with our company leadership and relevant publishing partners. In some cases, we must also communicate with external counsel and even with authorities such as the police department.

 

Once our investigation is complete, we will reach out to you at the contact information you have provided with your complaint.

Acceptance of the Terms of Use

 

These terms of use are entered into by and between You and FinanceScam.com (“Company,” “we,” or “us“). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, “Terms of Use“), govern your access to and use of FinanceScam.com including any content, functionality, and services offered on or through financescam.com (collectively, the “Website“), whether as a guest or a registered user.

 

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.

 

This Website is offered and available to all users, some of whom may be 13 years of age or younger. Suppose you are 13 years of age or younger, by using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you. In that case, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. You must not access or use the Website if you do not want to agree to these Terms of Use or the Privacy Policy.

 

Changes to the Terms of Use

 

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Website.

 

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

 

Accessing the Website and Account Security

 

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

 

You are responsible for both:

 

Making all arrangements necessary for you to have access to the Website.

 

Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.

 

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

 

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

 

We have the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

 

Intellectual Property Rights

 

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

 

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

 

1- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

 

2- You may store files that are automatically cached by your Web browser for display enhancement purposes.

 

3- You may print one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

 

4- If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

 

You must not:

 

1- Modify copies of any materials from this site.

 

2- Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.

 

3- Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.

 

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

 

If you wish to make any use of material on the Website other than that set out in this section, please address your request to: editor@financescam.com.

 

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

 

Trademarks

 

The Company name, the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

 

Prohibited Uses

 

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

 

1- In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).

 

2- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.

 

3- To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set out in these Terms of Use.

 

4- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.

 

5- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).

 

6- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.

 

Additionally, you agree not to:

 

1- Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.

 

2- Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

 

3- Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.

 

4- Use any device, software, or routine that interferes with the proper working of the Website.

 

5- Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

 

6- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.

 

7- Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

 

8- Otherwise attempt to interfere with the proper working of the Website.

 

Copyright Policy

 

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from this Website infringe your copyright, you may request removal of those materials (or access to them) from the Website by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA“), the written notice (the “DMCA Notice“) must include substantially the following:

 

1- Your physical or electronic signature.

 

2- Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.

 

3- Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.

 

4- Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).

 

5- A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.

 

6- A statement that the information in the written notice is accurate.

 

7- A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

 

Our designated copyright agent to receive DMCA Notices is:

 

FinanceScam.com
Email: editor@financescam.com

 

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

 

Please be aware that if you knowingly materially misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

 

If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter notification with us (a “Counter Notice“) by submitting written notification to our copyright agent designated above. Pursuant to the DMCA, the Counter Notice must include substantially the following:

 

1- Your physical or electronic signature.

 

2- An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.

 

3- Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).

 

4- A statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.

 

5- A statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Website may be found) and that you will accept service from the person (or an agent of that person) who provided the Website with the complaint at issue.

 

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter Notice.

 

Please be aware that if you knowingly materially misrepresent that material or activity on the Website was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

 

It is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers.

 

Reliance on Information Posted

 

The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

 

This Website includes content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

 

Changes to the Website

 

We may update the content on this Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

 

Information About You and Your Visits to the Website

 

All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

 

Online Purchases and Other Terms and Conditions

 

All purchases through our site or other transactions for the sale of goods, services, or information formed through the Website, or resulting from visits made by you, are governed by our Terms of Sale, which are hereby incorporated into these Terms of Use.

 

Additional terms and conditions may also apply to specific portions, services, or features of the Website. All such additional terms and conditions are hereby incorporated by this reference into these Terms of Use.

 

Linking to the Website and Social Media Features

 

You may link to our Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent.

 

This Website may provide certain social media features that enable you to:

 

1- Link from your own or certain third-party websites to certain content on this Website.

 

2- Send emails or other communications with certain content, or links to certain content, on this Website.

 

3 – Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

 

You may use these features solely as they are provided by us, solely with respect to the content they are displayed with, and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

 

1- Establish a link from any website that is not owned by you.

 

2- Cause the Website or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking.

 

3- Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

 

The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the Content Standards set out in these Terms of Use.

 

You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice.

 

We may disable all or any social media features and any links at any time without notice in our discretion.

 

Links from the Website

 

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

 

Disclaimer of Warranties

 

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

 

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

 

TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

 

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

Limitation on Liability

 

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

 

The limitation of liability set out above does not apply to liability resulting from our gross negligence or willful misconduct

 

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

 

Indemnification

 

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.

 

Governing Law and Jurisdiction

 

All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Wyoming without giving effect to any choice or conflict of law provision or rule (whether of the State of Wyoming or any other jurisdiction).

 

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Wyoming, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

 

Arbitration

 

At Company’s sole discretion, it may require You to submit any disputes arising from these Terms of Use or use of the Website, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Wyoming law.

 

Limitation on Time to File Claims

 

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

 

Waiver and Severability

 

No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

 

Suppose any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason. In that case, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

 

Entire Agreement

 

The Terms of Use, our Privacy Policies, Terms of Sale, Disclaimer Policy, and Cookie Policy constitute the sole and entire agreement between you and FinanceScam.com regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

 

Your Comments and Concerns

 

All notices of copyright infringement claims should be sent to the copyright agent designated in our section entitled “Copyright Policy” in the manner and by the means set out therein.

 

All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: editor@financescam.com.

1. Introduction

 

FinanceScam.com (“Company” or “we” or “us”), a Ukraine-based company, respects your privacy and is committed to protecting it through our compliance with this policy.

 

This policy describes the types of information we may collect from you or that you may provide when you visit any of the Company’s website, including this website FinanceScam.com (collectively “Website“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

 

This policy applies to the information we collect:

 

1- On this Website.

 

2- Email, text, and other electronic messages between you and this Website.

 

3- Through desktop applications you download from this Website, you can have a dedicated non-browser-based interaction with this Website.

 

4- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

 

It does not apply to information collected by:

 

1- Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries) or

 

2- Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Website.

 

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

 

2. Children Under the Age of 13

 

The Children’s Online Privacy Protection Act of 1998 and its rules (collectively, “COPPA“) require us to inform parents and legal guardians (as used in this section, “parents“) about our practices for collecting, using, and disclosing personal information from children under the age of 13 (“children“). It also requires us to obtain verifiable consent from a child’s parent for collecting, using, and disclosing the child’s personal information.

 

This section notifies parents of:

 

1- The types of information we may collect from children.

 

2- How we use the information we collect.

 

3- Our practices for disclosing that information.

 

4- Our practices for notifying and obtaining parents’ consent when we collect personal information from children include how a parent may revoke consent.

 

5- All operators that collect or maintain information from children through this Website.

 

This section only applies to children under 13 and supplements the other provisions of this privacy policy, which apply to teens and adults.

 

Information We Collect from Children

 

Children can access many parts of the Website and its content and use many of its features without providing us with personal information. However, some content and features are available only to registered users or require us to collect certain personal information, from them. In addition, we use certain technologies, such as cookies, to automatically collect information from our users (including children) when they visit or use the Website.

 

We only collect as much information about a child as is reasonably necessary for the child to participate in an activity, and we do not condition his or her participation on the disclosure of more personal information than is reasonably necessary.

 

Automatic Information Collection and Tracking.

 

We use technology to automatically collect information from our users, including children when they access and navigate through the Website and use certain of its features. The information we collect through these technologies may include:

 

1- One or more persistent identifiers that can be used to recognize a user over time and across different websites and online services.

 

2- Information that identifies a device’s location (geolocation information).

 

We may combine non-personal information we collect through these technologies with personal information about you or your child that we collect online.

 

How We Use Your Child’s Information

 

We use the personal information we collect from your child to:

 

1- register him or her with the Website;

 

2- communicate with him or her about activities or features of the Website that may be of interest.

 

We use the information we collect automatically through technology (see Automatic Information Collection and Tracking) and other non-personal information we collect to improve our Website and to deliver a better and more personalized experience by enabling us to:

 

1- Estimate our audience size and usage patterns.

 

2- Store information about the child’s preferences, allowing us to customize the content according to individual interests.

 

3- Speed up your searches.

Our Practices for Disclosing Children’s Information

 

We do not share, sell, rent, or transfer children’s personal information other than as described in this section.

 

We may disclose aggregated information about many of our users, as well as information that does not identify any individual or device. In addition, we may disclose children’s personal information:

 

1- To third parties we use to support the internal operations of our Website and who are bound by contractual or other obligations to use the information only for such purpose and to keep the information confidential.

 

2- If we are required to do so by law or legal process, such as complying with any court order or subpoena or responding to any government or regulatory request,

 

3- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of FinanceScam.com, our customers or others, including to:protect the safety of a child;

 

a- protect the safety and security of the Website; or

 

b- enable us to take precautions against liability.

 

c- To law enforcement agencies or for an investigation related to public safety.

 

In addition, if FinanceScam.com is involved in a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding or event, we may transfer the personal information we have collected or maintain to the buyer or other successor.

 

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information.

 

3. Personal Information We Collect About You

 

We may collect and use the following personal information that identifies, relates to, describes, is reasonable capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

 

1- Identifiers (e.g., name, postal address, email address, telephone number, and date of birth or other similar identifiers)

 

2- Name, e-mail, telephone number, and country of residence.

 

3- Information that identifies relates to, describes, or is capable of being associated with a particular individual, including, but not limited to, his or her name, signature, physical characteristics or description, address, and telephone number.

 

4- Characteristics of protected classifications under California or federal law.

 

5- Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)

 

6- Biometric information

 

7- Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement)

 

8- Internet protocol (IP).

 

9- Geolocation data

 

10- Audio, electronic, visual, thermal, olfactory, or similar information

 

11- Professional or employment-related information

 

12- Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (FERPA)

 

13- Inferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

 

4. How Your Personal Information is Collected

 

We collect most of this personal information directly from you—in person, by telephone, text or email and/or via our Website. However, we may also collect information:

 

1- From publicly accessible sources (e.g., property records);

 

2- Directly from a third party (e.g., our business partners);

 

3- From a third party with your consent;

 

4- From cookies on our website; and

 

5- Via our IT systems, including:

 

a- Automated monitoring of our websites and other technical systems, such as our computer networks and connections, CCTV and access control systems, communications systems, email and instant messaging systems;

 

b- Information that you provide by filling in forms on our Website. This includes information provided when registering to use our Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us and when you report a problem with our Website;

 

c- Records and copies of your correspondence (including email addresses) if you contact us;

 

d- Your responses to surveys that we might ask you to complete for research purposes;

 

e- Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website; and

 

f- Your search queries on the Website.

 

Information We Collect Through Automatic Data Collection Technologies

 

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

 

1- Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.

 

2- Information about your computer and internet connection, including your IP address, operating system, and browser type.

 

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

 

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

 

a- Estimate our audience size and usage patterns.

 

b- Store information about your preferences, allowing us to customize our Website according to your individual interests.

 

c- Speed up your searches.

 

d- Recognize you when you return to our Website.

 

The technologies we use for this automatic data collection may include:

 

1- Cookies (or browser cookies). A cookie is a small file placed on your computer’s hard drive. You may refuse to accept browser cookies by activating the appropriate settings on your browser. However, if you select this setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

 

2- Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

 

5. Third-Party Use of Cookies and Other Tracking Technologies

 

Some content or applications, including advertisements, on the Website are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

 

6. How We Use Your Information

 

We use information that we collect about you or that you provide to us, including any personal information:

 

1- To present our Website and its contents to you.

 

2- To provide you with information, products, or services you request from us.

 

3- To fulfill any other purpose for which you provide it.

 

4- To provide you with notices about your account and/or subscription, including expiration and renewal notices.

 

5- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.

 

6- To notify you about changes to our Website or any products or services we offer or provide though it.

 

7- This is to allow you to participate in interactive features on our website.

 

8- In any other way we may describe when you provide the information.

 

9- For any other purpose with your consent.

 

We may also use your information to contact you about our own and third-party goods and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data or adjust your user preferences.

 

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

 

7. Disclosure of Your Information

 

We may disclose aggregated information about our users and information that does not identify any individual without restriction.

 

We may disclose personal information that we collect or you provide as described in this privacy policy:

 

1- To our subsidiaries and affiliates.

 

2- To contractors, service providers, and other third parties we use to support our business.

 

3- To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by FinanceScam.com about our Website users is among the assets transferred.

 

4- To third parties to market their products or services to you if you have not opted out of these disclosures.

 

5- To fulfill the purpose for which you provide it.

 

6- For any other purpose disclosed by us when you provide the information.

 

7- With your consent.

 

We may also disclose your personal information:

 

a- To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

 

b- To enforce or apply our Terms of Use or Terms of Sale and other agreements, including for billing and collection purposes.

 

c- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of FinanceScam.com, our customers, or others.

 

8. Personal Information We Sold or Disclosed for a Business Purpose

 

In the preceding 12 months, we have sold to one or more third parties the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

 

1- Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers); and

 

2- Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement).

 

In the preceding 12 months, we have disclosed for a business purpose to one or more third parties the following categories of personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household:

 

a- Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers); and

 

b- Internet or other electronic network activity information (e.g., browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement).

 

9. How Long Your Personal Information Will Be Kept

 

We will keep your personal information while you have an account with us or while we are providing products and/or services to you. Thereafter, we will keep your personal information for as long as is necessary:

 

a- To respond to any questions, complaints or claims made by you or on your behalf;

 

b- To show that we treated you fairly; or

 

c- To keep records required by law.

 

We will not retain your personal information for longer than necessary for the purposes set out in this policy. Different retention periods apply for different types of personal information.

 

Region-specific privacy terms

 

10. Brazil

This section pertains to individuals located in Brazil, in accordance with the “Lei Geral de Proteção de Dados” (LGPD).

 

This section pertains to individuals located in Brazil, in accordance with the “Lei Geral de Proteção de Dados” (LGPD).

 

Legal Basis: For residents of Brazil, we collect and process information only when we have legal grounds to do so under applicable laws. Details about the legal grounds we rely on when handling your Personal Information under LGPD are outlined in the “Information Use” section of our Privacy Policy.

 

Your Privacy Rights in Brazil: We assure you that exercising your rights will not result in discrimination. If you are a resident of Brazil, you have additional rights beyond those outlined in the “Your Rights” section of our Privacy Policy. These include the right to anonymization and access to information from public and private entities with whom we have shared your Personal Information.

 

11. PIPEDA (Personal Information Protection and Electronic Documents Act)

 

The Personal Information Protection and Electronic Documents Act (PIPEDA) is a Canadian law established in April 2000 to regulate the collection of consumer personal information by private sector organizations.

 

PIPEDA aims to enhance the security and protection of consumers’ personal information in the context of e-commerce and online business transactions.

 

To comply with PIPEDA, organizations must adhere to 10 fair information principles, including:

 

Accountability

 

Identifying purposes

 

Consent

 

Limiting collection of information

 

Limiting use, disclosure, and retention of information

 

Accuracy

 

Safeguards

 

Openness

 

Individual access

 

Challenging compliance

 

These principles empower individuals by providing transparency about the collection, use, and disclosure of their information, ensuring accuracy, implementing safeguards, and granting access to personal data.

 

Under PIPEDA, organizations must obtain consent before collecting, using, or disclosing user information. Additionally, individuals must receive products or services regardless of their consent to data collection.

 

According to the Office of the Privacy Commissioner of Canada, organizations found in breach of PIPEDA requirements must promptly notify relevant authorities. Failure to report breaches may result in fines of up to $100,000 per violation if the organization knowingly violated the legislation.

 

PIPEDA also mandates the inclusion of specific disclosures within a Privacy Policy. Therefore, businesses operating in Canada must ensure compliance with PIPEDA’s requirements.

 

12. Compliance with Australian Privacy Laws and Principles

 

FinanceScam.com operates in accordance with the Privacy Act 1988 (Cth), the primary privacy legislation governing private sector organizations. The Act establishes national standards for the collection, use, and disclosure of Personal Information. It also introduced the Australian Privacy Principles (APPs), effective 12 March 2014, outlining key obligations regarding personal data.

 

The APPs govern personal information collection, use, and disclosure, giving individuals the right to access and correct their data. Additionally, specific provisions address direct marketing (APP 7) and cross-border disclosure of personal information (APP 8). More details about the APPs can be found on the Australian Government website at www.oaic.gov.au.

 

Our privacy policy aligns with the Australian Privacy Act and the Australian Privacy Principles. Key aspects of the APPs include:

 

APP 1: Entities must implement practices ensuring compliance with the APPs and publish their privacy policy.

 

APP 5: Entities must notify individuals of the collection of personal information at or before or as soon as practicable after the collection.

 

APP 7: Personal information cannot be used for direct marketing unless exceptions apply.

 

APP 8: Entities must take reasonable steps to prevent overseas recipients from breaching Australian Privacy Principles before disclosing personal information abroad.

 

Personal Information, as defined under the Act, encompasses any information or opinion about an identified or reasonably identifiable individual, regardless of its truthfulness or form of recording. This includes customer contact details, billing information, and transaction history.

 

We strictly adhere to the Australian Privacy Principles for all personal information collected from our customers and any other individuals. Specifically:

 

We only collect personal information from individuals who have registered for our services, handling unsolicited information according to the APPs and our Privacy Policy.

 

Personal information is used solely for the purposes outlined in our Privacy Policy, and disclosure is limited to third-party vendors necessary for service provision.

 

Where feasible, we provide customers with access to their personal information, delete requested data, and retain it only as necessary for service provision.

 

13. New Zealand’s Privacy Act (1993)

 

Introduction

The Privacy Act (1993) of New Zealand governs the collection, storage, use, and disclosure of personal information. This policy outlines our commitment to protecting the privacy of individuals and complying with the provisions set forth in the Privacy Act.

 

Compliance with the Privacy Act

We are committed to complying with all provisions of the Privacy Act (1993) and will regularly review and update our privacy practices to ensure ongoing compliance.

 

By using our services or providing us with your personal information, you consent to the collection, use, and disclosure of your personal information in accordance with this privacy policy and the provisions of the Privacy Act (1993) of New Zealand.

 

14. Transferring Your Personal Information Out of the EEA

 

To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:

 

a- With your and our service providers located outside the EEA;

 

b- If you are based outside the EEA; or

 

c- Where there is an international dimension to the services we are providing to you.

 

If you would like further information, please contact us.

 

15. Your Rights Under the General Data Protection Regulation (GDPR)

 

Right to Access

 

The right to be provided with a copy of your personal information (the right of access)

 

Right to Rectification

 

The right to require us to correct any mistakes in your personal information

 

Right to be Forgotten

 

The right to require us to delete your personal information—in certain situations

 

Right to Restriction of Processing

 

The right to require us to restrict processing of your personal information—in certain circumstances, e.g. if you contest the accuracy of the data

 

Right to Data Portability

 

The right to receive the personal information you provided to us, in a structured, commonly used and machine-readable format and/or transmit that data to a third party—in certain situations

 

Right to Object

 

The right to object:

 

a- at any time to your personal information being processed for direct marketing (including profiling);

 

b- in certain other situations to our continued processing of your personal information, e.g. processing carried out for the purpose of our legitimate interests.

 

Right Not to be Subject to Automated Individual Decision-Making

 

The right not to be subject to a decision based solely on automated processing (including profiling) that produces legal effects concerning you or similarly significantly affects you

 

16. Your Rights Under the CCPA

 

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to exercise free of charge:

 

Disclosure of Personal Information We Collect About You

 

You have the right to know:

 

1- The categories of personal information we have collected about you;

 

2- The categories of sources from which the personal information is collected;

 

3- Our business or commercial purpose for collecting or selling personal information;

 

4- The categories of third parties with whom we share personal information, if any; and

 

5- The specific pieces of personal information we have collected about you.

 

6- Please note that we are not required to:

 

7- Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;

 

8- Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or

 

9- Provide the personal information to you more than twice in a 12-month period.

 

Personal Information Sold or Used for a Business Purpose

 

In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know:

 

The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and

 

The categories of personal information that we disclosed about you for a business purpose.

 

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt out of the sale or disclosure of your personal information. If you exercise your right to opt out of the sale or disclosure of your personal information, we will refrain from selling your personal information, unless you subsequently provide express authorization for the sale of your personal information. To opt out of the sale or disclosure of your personal information, visit our homepage and click on the Do Not Sell My Personal Information link here:

 

Right to Deletion

 

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

 

a- Delete your personal information from our records; and

 

b- Direct any service providers to delete your personal information from their records.

 

c- Please note that we may not delete your personal information if it is necessary to:

 

d- Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

 

e- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

 

f- Debug to identify and repair errors that impair existing intended functionality;

 

g- Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

 

h- Comply with the California Electronic Communications Privacy Act;

 

i- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

 

j- Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

 

k- Comply with an existing legal obligation; or

 

l- Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

 

Protection Against Discrimination

 

You have the right to not be discriminated against by us because you exercised any of your rights under the CCPA. This means we cannot, among other things:

 

a- Deny goods or services to you;

 

b- Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties;

 

c- Provide a different level or quality of goods or services to you; or

 

d- Suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

 

Please note that we may charge a different price or rate or provide a different level or quality of goods and/or services to you, if that difference is reasonably related to the value provided to our business by your personal information.

 

17. Keeping Your Personal Information Secure

 

We have appropriate security measures in place to prevent personal information from being accidentally lost, used, or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to access it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality. We continually test our systems and are ISO 27001 certified, which means we follow top industry standards for information security. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.

 

18. Choices About How We Use and Disclose Your Information

 

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

 

1- Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

 

2- Disclosure of Your Information for Third-Party Advertising. Suppose you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes. In that case, you can opt out by checking the relevant box located on the form on which we collect your data.

 

3- Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt out by emailing us.

 

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

 

Residents of certain states in the United States of America, such as California, Nevada, Colorado, Connecticut, Virginia, and Utah, may have additional personal information rights and choices.

 

19. Accessing and Correcting Your Information

 

We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

 

Suppose you delete your User Contributions from the Website. In that case, copies of your User Contributions may remain viewable in cached and archived pages or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our Terms of Use.

 

Residents of certain states, such as California, Nevada, Colorado, Connecticut, Virginia, and Utah, may have additional rights and choices regarding personal information.

 

20. Your State Privacy Rights

 

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.

 

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:

 

1- Confirm whether we process their personal information.

 

2- Access and delete certain personal information.

 

3- Data portability.

 

4- Opt-out of personal data processing for targeted advertising and sales.

 

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

 

a- Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose.

 

b- Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

 

Nevada provides its residents with a limited right to opt out of certain personal information sales. Residents who wish to exercise this sale opt out rights may send mail to – 3, Yordanska Street, Obolonskyi, Obolon, Kyiv – 04211 (Ukraine)

 

21. Data Security

 

We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration, and disclosure.

 

The safety and security of your information also depend on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website, such as message boards. Any website user may view the information you share in public areas.

 

Unfortunately, information transmission via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumventing any privacy settings or security measures on the Website.

 

22. Changes to Our Privacy Policy

 

Our policy is to post any changes we make to our privacy policy on this page. Suppose we make material changes to how we treat our users’ personal information. In that case, we will notify you by email to the email address specified in your account or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active, and deliverable email address for you and for periodically visiting our Website and this privacy policy to check for any changes.

 

23. How to Exercise Your Rights

 

If you would like to exercise any of your rights as described in this Privacy Policy, please:

 

a- Complete a data subject request form available on our website at ______;

 

b- Email us at editor@financescam.com.

 

Please note that you may only request a CCPA-related data access or portability disclosure twice within 12 months.

 

If you choose to contact us, you will need to provide us with:

 

a- Enough information to identify you;

 

b- Proof of your identity and address; and

 

c- A description of what right you want to exercise and the information to which your request relates.

 

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or someone is authorized to act on such person’s behalf.

 

Any personal information we collect from you to verify your identity in connection with your request will be used solely for verification.

 

24. How to File a New Zealand’s Privacy Act (1993) Complaint

 

To file a complaint under New Zealand’s Privacy Act (1993), identify the specific violation, and then attempt informal resolution by contacting the organization involved. If informal resolution fails or is not feasible, prepare a formal complaint detailing the issue, including evidence, and mail it to the Office of the Privacy Commissioner (OPC). Be prepared to provide further information if needed during the OPC’s investigation. The OPC will work towards a resolution, which may involve mediation or formal determination by the Privacy Commissioner. If unsatisfied with the outcome, appeal options may exist through the Human Rights Review Tribunal. Following the OPC’s specific procedures and providing thorough documentation to support your complaint is essential.

 

25. How to File an EEA Complaint

 

We hope that we resolve any query or concern you raise about our use of your information.

 

Filing a complaint under the European Economic Area (EEA), typically governed by the General Data Protection Regulation (GDPR), involves identifying a specific data protection violation and the relevant Data Protection Authority (DPA) within an EEA member state. Prepare a detailed complaint, including evidence, and submit it directly to the appropriate DPA, adhering to their submission guidelines. The DPA will investigate, potentially issuing warnings, fines, or corrective measures. Cooperate with the DPA and provide additional information as needed. Additionally, the GDPR grants the right to lodge a complaint with a supervisory authority in the EU or EEA state where you work, live, or where any alleged infringement occurred, ensuring adherence to the GDPR and relevant DPA procedures for effective resolution.

 

26. How to File an (LGPD) Complaint

 

To file a complaint under Brazil’s Lei Geral de Proteção de Dados (LGPD) regarding a privacy policy on a website, first attempt informal resolution by contacting the data controller responsible. If unsuccessful or unsatisfied, prepare a formal complaint detailing the alleged LGPD violation, including evidence, and submit it to the National Data Protection Authority (ANPD) through their website or by mail. Ensure to follow ANPD’s specific procedures. The ANPD will review and potentially investigate the complaint; you may need to provide further information during this process. Once resolved, the ANPD will inform you of the outcome, which could involve warnings, fines, or corrective measures against the data controller. It’s essential to adhere to the LGPD and ANPD guidelines and provide comprehensive documentation to support your complaint for an effective resolution.

 

27. How to File an (LGPD) Complaint

 

To file a complaint under Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), start by attempting an informal resolution with the organization involved; if unsuccessful or unsatisfactory, prepare a formal complaint detailing the alleged violation, including evidence, and submit it to the Office of the Privacy Commissioner of Canada (OPC) online, by mail, or email. Ensure to include all pertinent details and documentation. The OPC will review the complaint and may investigate further, requiring additional information if necessary. The OPC will inform you of the outcome upon resolution, which may involve mediation or formal determination by the Privacy Commissioner. Adherence to PIPEDA guidelines and providing comprehensive documentation are crucial for an effective complaint resolution process.

 

28. How to File an Australian Privacy Laws and Principles Complaint

 

To file a complaint under Australian Privacy Laws and Principles, start by attempting an informal resolution with the organization involved. If informal resolution fails or is unsatisfactory, prepare a formal complaint detailing the alleged violation, including evidence, and mail it to the Office of the Australian Information Commissioner (OAIC). Ensure all pertinent details and documentation are included. The OAIC will review the complaint and may investigate further, requiring additional information if necessary. Upon resolution, which may involve mediation or formal determination by the Commissioner, the OAIC will inform you of the outcome. Adhering to Australian privacy laws and providing comprehensive documentation are essential for an effective complaint resolution.

 

29. Contact Information

To ask questions or comment about this privacy policy and our privacy practices, email us at editor@financescam.com

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In using FinanceScam.com or the Content, you acknowledge and agree to abide by all applicable Intellectual Property laws, as well as any specific notices contained on FinanceScam.com. All rights not expressly granted are reserved.

 

FinanceScam.com and the Content may contain user or third party submitted content, such as feedback and suggestions, posts or submissions, recordings and other materials (hereinafter, the “Submissions”) intended for review and use by the general public, or by members of any public or private community.

 

FinanceScam.com does not claim ownership of the Submissions and to the full extent permitted by law, shall have no obligation or liability of any kind, including without limitation errors, omissions, or damages, with respect to Submissions. Submissions are not reviewed, approved or endorsed by FinanceScam.com and are provided solely for convenience to FinanceScam.com customers and users. FinanceScam.com reserves the right to monitor, restrict access to, edit or remove any Content or Submissions.

 

NOTICE AND TAKE DOWN OF MATERIAL

 

If you believe your copyright-protected work was posted on FinanceScam.com without authorization, you can request its removal by following these instructions to submit a Copyright Infringement notice. These requests should only be submitted by the copyright owner or an agent authorized to act on the owner’s behalf.

 

Following FinanceScam.com’s receipt of your report of your Copyright Infringement notice, FinanceScam.com may contact you . FinanceScam.com may request you provide additional information as necessary to investigate your specific report of material that you believe warrants your Copyright Infringement complaint.

 

SUBMITTING A COPYRIGHT INFRINGEMENT NOTICE

 

If you believe your copyright is being infringed by Content hosted on the FinanceScam.com site, please send a written notice to:

 

Legal Department
FinanceScam.com
editor@financescam.com

 

FinanceScam.com is committed to managing copyright complaints responsibly and in compliance with applicable laws, including international treaties and the laws of the various countries where FinanceScam.com provides its services.

 

In those circumstances where the United States Digital Millennium Copyright Act (“DMCA”) is applicable, it is our policy to expeditiously remove content that is the subject of a correctly prepared notice under Section 512©. We have included the elements of a DMCA notice below, and have also prepared some sample language to assist you in preparing a correct DMCA notice. We will forward your notice to the person who submitted the Content that is the subject of the DMCA notice. It is our policy to replace removed content if the contributor submits a properly prepared counter notice under the DMCA.

 

We encourage you to consult a lawyer before submitting a notice of copyright infringement. Copyright laws may allow a person to use a work in certain ways without the copyright owner’s permission. Please note that Section 512(f) of the DMCA states that any person who knowingly materially misrepresents in a DMCA notice that content is infringing shall be liable for damages, including costs and attorneys’ fees incurred by the alleged infringer.

 

DMCA NOTICE:

 

To be an effective notice under Section 512© of the DMCA your written notice must include all of the following:

 

1- A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

 

2- Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works are covered by a single notification, a representative list of such works;

 

3- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed, and information reasonably sufficient to permit Paste to locate the material;

 

4- Information reasonably sufficient to permit Paste to contact you, such as an address, telephone number, and an e-mail address;

 

5- A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

 

6- A statement that the information in the notification is accurate, and under penalty of perjury, that you are copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

We believe it’s important to maintain an accurate record of public discussion – it’s part of our goal of providing informed, transparent debate. That’s why we won’t remove any content from our site unless it breaches our community standards or there are exceptional circumstances.

 

What we’ll remove and why

 

Articles

 

We will only take down an article if we are legally required to do so (if the article is found to be defamatory or in violation of copyright, for example), or if it contains major flaws or inaccuracies that warrant complete retraction. In most cases factual errors will be able to be corrected and readers notified of the change. Readers will always be notified if an article is retracted in full.

 

Comments

 

We view comments on any of the Critical Intel Network website(s) as public statements made explicitly for publication. For that reason comments that comply with community standards will not be removed, save in exceptional circumstances such as:

 

a- the comment poses a risk to someone’s health (mental or physical) or safety

 

b- an account has been compromised

 

c- it raises a legal issue that requires removal

 

This is not an exhaustive list, but the general principle is that what is said cannot be unsaid so please think carefully before you post. We will, however, do what we can to ensure vulnerable people or groups are protected.

 

Profiles

 

If you no longer wish to use your account on any of the Critical Intel Network website(s) it will be locked so it’s no longer viewable by the public. Your comments will remain on the site with your name attached to them – your name will no longer link to your profile. If you are an academic author your name will continue to appear on any articles you’ve previously published.

 

Photographs

 

Photographs on our articles will only be removed if they violate our editorial principles or if they are licensed incorrectly. If you believe a photograph of yours has been used inappropriately or without permission please email us.

 

Please contact our community manager or editorial staff if you would like to submit a correction request.

If you are contemplating legal action against FinanceScam.com based on allegations of defamation, please be advised that to date, FinanceScam.com has never lost such a case. This is due to the strong legal protections afforded by Section 230 of the Communications Decency Act (CDA), 47 U.S.C. § 230, a well-established federal law that shields interactive online platforms from liability for content posted by their users.

 

Legal Protections Under the CDA

 

The CDA explicitly provides that operators of interactive websites cannot be treated as the publisher or speaker of third-party content. 47 U.S.C. § 230(c)(1) states:

 

“No provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider.”

 

Since independent users author reports on FinanceScam.com, the platform itself is not legally responsible for its content, even in cases where the information may be inaccurate or disputed. This principle applies broadly to other platforms, including Facebook, Craigslist, and similar websites, ensuring that website operators are not liable for user-generated content.

 

Frivolous Lawsuits & Legal Consequences

 

It is important to understand that baseless litigation against FinanceScam.com will be vigorously defended and may result in significant legal consequences for both plaintiffs and their attorneys. Courts have repeatedly upheld Section 230 protections and have imposed sanctions, attorney’s fees, and other penalties against those who pursue meritless claims.

 

As the Ninth Circuit recognized in Batzel v. Smith, 333 F.3d 1018, 1027-28 (9th Cir. 2003):

 

“Making interactive computer services and their users liable for the speech of third parties would severely restrict the information available on the Internet. Section 230 [of the CDA] therefore sought to prevent lawsuits from shutting down websites and other services on the Internet.”

 

Want to sue FinanceScam.com

 

We encourage you to carefully consider the established legal precedent before pursuing any claim against FinanceScam.com. Suppose you believe a particular report contains false or defamatory material. In that case, we recommend engaging directly with the author of the content, as FinanceScam.com is not the publisher or speaker and cannot be held liable under federal law.

 

For further clarification on the CDA and its legal implications, you may refer to an in-depth analysis available on Wikipedia:
Section 230 of the Communications Decency Act

 

Should you require additional legal guidance, we strongly advise consulting with counsel familiar with internet defamation law and Section 230 immunity.