DISCLAIMER, PRIVACY POLICY & ADVERTISING DISCLOSURE

WEBSITE DISCLAIMER

Dividends Diversify LLC is a personal website (site) and blog.  The opinions represent my own personal views and not my employers.  The opinions, expressed or implied, are not intended to harm, defame, or libel.

Readers of this blog cannot hold the site or its owner responsible for what is said or displayed.  The site and its owner make no representations as to accuracy, completeness, timeliness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries or damages arising from its display or use.  Neither the site nor its owner is responsible for the comments posted by readers, the contents of any linked websites, or the comments of contributors.

The site provides general information, not professional or financial advice.  As the owner of Dividends Diversify, I am not a licensed investment advisor, investment professional, or tax professional. This site should not be visited for investment advice.

In no case, will this site, the owner or contributors be held liable for any gains, losses or missed opportunities on any securities or investments made as a result of visiting this website and using any associated content to make a decision on investing or your personal finances.

By visiting and/or using the information on this website, you agree to this disclaimer.

Please consult with your personal investment professional and/or tax professional before investing any of your money.  Any transactions or investments published on this site are not recommendations to act on any securities; they are transactions considered or completed as part of my personal financial journey.

Do your own research, accept personal responsibility and realize past performance is no guarantee of future results.  Invest based on your own research and at the advice of your own personal professional advisers.

PRIVACY POLICY

Dividends Diversify found at https://www.dividendsdiversify.com/ (“Website”) is governed by the following privacy policy (“Privacy Policy”).

We respect your privacy and are committed to protecting it. The purpose of this Privacy Policy is to inform you of what personally identifiable information we may collect and how it may be used. This statement only applies to this Website.

WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?

Information You Voluntarily Submit to the Website: We may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form.

Automatically-Collected Information:  We automatically collect certain information about you and the device with which you access the Website. For example, when you use the Website, we will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. We may also collect information about actions you take when using the Website, such as links clicked.

Cookies:  We may log information using cookies, which are small data files stored on your browser by the Website. We may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted, to provide you with a more personalized experience on the Website.

HOW YOUR INFORMATION MAY BE USED

We may use the information collected in the following ways:

To operate and maintain the Website.  To create your account, identify you as a user of the Website, and customize the Website for your account.

To send you promotional information, such as newsletters.  Each email promotion will provide information on how to opt-out of future mailings;

To send you administrative communications.  Such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts.

To respond to your comments or inquiries, provide you with user support, to track and measure advertising on the Website, to protect, investigate, and deter against unauthorized or illegal activity.

THIRD-PARTY USE OF PERSONAL INFORMATION

The Website may use third-party service providers to service various aspects of the Website.  Each third-party service provider’s use of your personal information is dictated by their respective privacy policies.

For example, the Website currently uses the following third-party service providers:

Google Analytics – this service tracks Website usage and provides information such as referring websites and user actions on the Website.  Google Analytics may capture your IP address, but no other personal information is captured by Google Analytics.

Learn more here about Google Analytics Privacy Policy by following this link: Google Analytics Privacy Policy

Mail Chimp – this service is used for the delivery of email updates and newsletters.  We store your name and email address for purposes of delivering such communications.  Please refer to Mail Chimp’s privacy policy for further information.

This service provider list may be amended from time to time in the Website’s sole discretion.

Except when required by law, we will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, we may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us.

ANONYMOUS DATA

From time to time, we may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies.

PUBLICLY VISIBLE INFORMATION

If you leave a comment on the Website, certain information may be publicly visible.  At your option, you may also add an avatar, a profile description, and a link to your website.  You may also choose to link your Facebook, Instagram, or Google Account.  Users may see your username, avatar, profile description, and website information.

COOKIES

The Website uses cookies to store visitors’ preferences, record user-specific information on what pages users access or visit, ensure that visitors are not repeatedly sent the same banner ads, customize Website content based on visitors’ browser type or other information that the visitor sends.  Cookies may also be used by third-party services, such as Google Analytics, as described herein.

Users may, at any time, prevent the setting of cookies, by the Website, by using a corresponding setting of your internet browser and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. However, if users deactivate the setting of cookies in your Internet browser, not all functions of our Website may be entirely usable.

RIGHTS RELATED TO YOUR PERSONAL INFORMATION

Opt-out.  You may opt-out of future email communications by following the unsubscribe links in our emails.  You may also notify us at dividendsdiversify (at) gmail.com to be removed from our mailing list.

Access – You may access the personal information we have about you by submitting a request to dividendsdiversify (at) gmail.com.

Amend – You may contact us dividendsdiversify (at) gmail.com to amend or update your personal information.

Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to dividendsdiversify (at) gmail.com.

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law.

SENSITIVE PERSONAL INFORMATION

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships.  If you elect to submit such information to us, it will be subject to this Privacy Policy.

CHILDREN’S INFORMATION

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately at dividendsdiversify (at) gmail.com and we will use our best efforts to promptly remove such information from our records.

MEDIAVINE PROGRAMMATIC ADVERTISING (Ver 1.1)

The Website works with Mediavine to manage third-party interest-based advertising appearing on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at All About Cookies.

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site. In the event you opt-out, you will still see non-personalized advertisements on the Website.

The Website collects the following data using a cookie when serving personalized ads:

  • IP Address
  • Operating System type
  • Operating System version
  • Device Type
  • Language of the website
  • Web browser type
  • Email (in hashed form)

Mediavine Partners (companies listed below with whom Mediavine shares data) may also use this data to link to other end user information the partner has independently collected to deliver targeted advertisements. Mediavine Partners may also separately collect data about end users from other sources, such as advertising IDs or pixels, and link that data to data collected from Mediavine publishers in order to provide interest-based advertising across your online experience, including devices, browsers and apps. This data includes usage data, cookie information, device information, information about interactions between users and advertisements and websites, geolocation data, traffic data, and information about a visitor’s referral source to a particular website. Mediavine Partners may also create unique IDs to create audience segments, which are used to provide targeted advertising.

If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit National Advertising Initiative opt out page. You may also visit Digital Advertising Alliance website and Network Advertising Initiative website to learn more information about interest-based advertising. You may download the AppChoices app at Digital Advertising Alliance’s AppChoices app to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

For specific information about Mediavine Partners, the data each collects and their data collection and privacy policies, please visit Mediavine Partners.

GOOGLE ADSENSE

Prior to July 2019 Google AdSense advertisements were placed throughout this website.  AdSense and DART store cookies on your browser, which are used to target ads. You have the right to opt-out of AdSense/DART.  Visit the following link to learn more about Google AdSense Network Privacy:

Google Adsense Network Privacy

RETARGETING ADS

From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Pinterest, Facebook, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website.

AFFILIATE PROGRAM DISCLAIMER

Certain products/services and links to products/services included on the site are embedded affiliate tracking links, and I may earn a commission for any purchases that you make. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

I mention these products and services to you because I believe in them and want to help you improve your life. I only recommend products or services that I feel deliver value to you. With full disclosure, of course, Dividends Diversify is a for-profit business, which means I do earn an income with this website.

To make it easy on both of us, you should assume that any links leading you to products or services are affiliate links and that I will receive a commission from your purchase.

All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC.

SPONSORSHIPS

Occasionally I am compensated to give my honest opinion on products and/or services.

Neither of the affiliate programs or sponsorship activities will incur additional costs for you.

NEWSLETTERS

On the Website, you may subscribe to our newsletter, which may be used for advertising purposes.  All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, we may see if and when you open an email and which links within the email you click. Also, this allows the Website to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties.

CONTACT INFORMATION

At any time, please contact us at dividendsdiversify (at) gmail.com for questions related to this policy.

Last updated: May 2020.