| Xearn, LLC knows that you care about how your personal information is used and shared, and we take your privacy seriously. Please read the following to learn more about our privacy policy. By visiting the Xearn.com website, you are accepting the practices outlined in this Privacy Policy. This Privacy Policy covers Xearn, LLC’s treatment of personal information that we gather when you are on the Xearn.com website and when you use our services. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. |
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| This policy does not apply to the practices of third parties that Xearn, LLC does not own or control, or to individuals that Xearn, LLC does not employ or manage. |
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| How we collect information about you |
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| We collect certain information from you in order to provide you with the most interesting and useful Web site possible. When you visit the Xearn.com website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website. |
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| If you open an account, we may collect the following types of information from you: |
| • Contact information - your name, email address, type of investor and other similar information. |
| • Financial information - the bank account number, paypal account or other similar information. |
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| When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes. We may use your contact information to contact you about our Web site and provide you with information and promotional material from our affiliates, partners and advertisers. Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey. |
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| How we use cookies |
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| When you access our website, we, or companies we hire to track how our website is used, may place small data files called “cookies” on your computer. |
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| We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect. |
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| We also use longer-lasting cookies to display your user name on our sign-in form, so that you don't need to retype the user name each time you log in to your account. |
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| You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website. |
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| How we protect and store personal information |
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| Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user. |
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| Your information is protected by a password for your privacy and security. You need to work to protect against unauthorized access to your password and to your computer. |
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| We store and process your personal information on computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards. We use computer safeguards such as firewalls and data encryption. Physical access controls are in place at the buildings that host our servers and files, and we authorize access to personal information only for those who require it to fulfill their job responsibilities. |
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| How we use the personal information we collect |
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| Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. We may use your personal information to: |
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| • provide the services and customer support you request; |
| • process transactions and send notices about your transactions |
| • resolve disputes, collect fees, and troubleshoot problems; |
| • prevent potentially prohibited or illegal activities, and enforce our User Agreement; |
| • customize, measure, and improve our services and the content and layout of our website; |
| • send you targeted marketing, service update notices, and promotional offers; |
| • compare information for accuracy and verify it with third parties. |
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| How we share personal information with other parties |
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| We may share your personal information with: |
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| • Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit. |
| • Companies that we plan to merge with or be acquired by. |
| • Law enforcement, government officials, or other third parties when |
| › we are compelled to do so by a subpoena, court order or similar legal procedure |
| › we need to do so to comply with law |
| › we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement. |
| • Other third parties with your consent or direction to do so. |
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| We may share demographic, profile and other general information about you and our other customers on an aggregate basis. This means that we may provide general information about the characteristics of our customer base such as how many visitors and registered users we have within a certain postal code, but we do not specifically identify a particular visitor or provide his or her contact information, except as described above. |
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| How you can restrict Xearn, LLC from sharing your personal information |
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| Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. You can always opt not to disclose information, but then you may be unable to use certain features on our website. You may request deletion of your Xearn.com account by emailing us at support@xearn.com. |
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| How you can access or change your personal information |
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| You can review your personal information and make any necessary changes, at any time by logging in to your account and editing your profile or payout information. |
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| How you can contact us about privacy questions |
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| If you have questions or concerns regarding this policy, you should contact us by emailing us at support@xearn.com. |
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