Privacy Policy

Your privacy is important to us.  CDMG Inc., (hereinafter referred to as “CDMG Inc.,” “us,” “we,” “our,” or “Company”) created this Privacy Policy to apply to users of this website (https://www.theinvestmentjournal.com) and all digital assets and services contained or offered therein (“Services”).

Personal information is any information about you which can be used to identify you. This includes information about you as a person (such as name, address, and date of birth), your devices, payment details, and even information about how you use a website or online service.

In the event our site contains links to third-party sites and services, please be aware that those sites and services have their own privacy policies. After following a link to any third-party content, you should read the third party’s privacy policy to learn how they collect and use personal information. This Privacy Policy does not apply to any of your activities after you leave our site.

 

Depending on where you live, you may be entitled to certain individual rights with respect to some or all of your personal information. Please see the Notice of Privacy Rights for Residents of Certain U.S. States section of our Privacy Policy for more information related to privacy rights that may be applicable to you.

Information We Collect

Personal Information we collect falls into one of two categories: “voluntarily provided” information and “automatically collected” information.

“Voluntarily provided” information refers to any information you knowingly and actively provide us when using or participating in any of our services and promotions.

“Automatically collected” information refers to any information automatically sent by your devices in the course of accessing our Services.

A. Internet or Other Electronic Network Activity We Automatically Collect

Log Data

When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your device’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details about your visit.

Additionally, if you encounter certain errors while using the site, we may automatically collect data about the error and the circumstances surrounding its occurrence. This data may include technical details about your device, what you were trying to do when the error happened, and other technical information relating to the problem. You may or may not receive notice of such errors, even in the moment they occur, that they have occurred, or what the nature of the error is.

Device Data

When you visit our website or interact with our Services, we may automatically collect data about your device, such as:

  • Device Type
  • Operating System
  • Geo-location data

Data we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us.

B. Information You Provide to Us

We may ask for and you may provide us your personal information — for example, when you subscribe to our newsletter or when you contact us — which may include one or more of the following:

  • Individual Identifiers such as name, email address, and phone number;
  • Commercial information such as reports or services purchased, obtained, or considered;
  • Communications with us, preferences, and other Information you provide to us such as any messages (including via online chat feature), opinions, and feedback that you provide to us, your user preferences (such as in receiving updates or marketing information), and other Information that you share with us when you contact us directly (such as for customer support services); and
  • Additional personal information you provide at the point of collection or pursuant to your consent.

C. Legitimate Reasons for Processing Your Personal Information

We only collect and use your personal information when we have a legitimate reason for doing so. In which instance, we only collect personal information that is reasonably necessary to provide our services to you.

Collection and Use of Information

We may collect personal information from you when you do any of the following on our Services:

  • Sign up to receive updates from us via email or social media channels;
  • Use a mobile device or web browser to access our content;
  • Contact us via email, social media, or on any similar technologies; and
  • When you mention us on social media.

We may use your information for the following purposes:

  • to provide you with the Services;
  • to enable you to customize or personalize your experience of our Services;
  • for analytics, market research, and business development, including to operate and improve our website, associated applications, and associated social media platforms;
  • for advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you; and
  • to respond to your inquiries and questions and provide customer service
  • to contact you via email or text message, subject to your consent when required by law.

We may combine voluntarily provided and automatically collected personal information with general information or research data we receive from other trusted sources. For example, our marketing and market research activities may uncover data and insights, which we may combine with information about how visitors use our site to improve our site and your experience on it.

Information We May Receive from Third Parties

We may collect additional personal information about you from third-party websites, social media platforms and/or sources providing publicly available information (e.g., from the U.S. postal service) to help us provide services to you, help prevent fraud, and for marketing and advertising purposes. We also collect Information from reputable providers of licensed data derived from public and non-public sources.

This Privacy Policy only applies to personal information collected by our Services.  We are not responsible for the privacy and security practices of those other websites or social media platforms or the personal information they may collect (which may include IP address).  You should contact such third parties directly or review the third parties’ privacy policies.  Links to any other websites or content do not constitute or imply an endorsement or recommendation by us of the linked website, social media platform, and/or content.

Security of Your Personal Information

We use commercially reasonable and appropriate administrative, physical, and technical security measures to provide our Services and safeguard your information.  However, no data transmitted over the Internet or stored or maintained by us or our third-party service providers can be 100% secure.  Therefore, we do not promise or guarantee, and you should not expect, that your Information or private communications will always remain private or secure.  We do not guarantee that your Information will not be misused by third parties.  We are not responsible for the circumvention of any privacy settings or security features.  You agree that we will not have any liability for misuse, access, acquisition, deletion, or disclosure of your Information.

If you believe that your personal information has been accessed or acquired by an unauthorized person, you should promptly Contact Us so that necessary measures can quickly be taken.

How Long We Keep Your Personal Information

We keep your personal information only for as long as we need to provide you Services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. This time period may depend on what we are using your information for, in accordance with this privacy policy. In accordance with our routine record keeping, we may delete certain records that contain personal information you have submitted to us.  We are under no obligation to store such information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Information.

Children’s Privacy

We do not aim any of our products or services directly at children under the age of 16, and we do not knowingly collect personal information about children under 16.

Disclosure of Personal Information to Third Parties

We may disclose personal information to:

  • Subsidiaries and Affiliates: A parent, subsidiary, or affiliate of our company;
  • Third-Party Service Providers.  Third-party service providers that perform certain functions or services on our behalf (such as to host the Services, manage databases, perform analyses, provide customer service, or send communications for us). These third-party service providers are authorized to use your personal information only as necessary to provide these services to us.  In some instances, we may aggregate personal information we collect so third parties do not have access to your identifiable information to identify you individually;
  • Courts, Tribunals, Regulatory Authorities and Law Enforcement for Legal and Administrative Reasons: To courts, tribunals, regulatory authorities, and law enforcement officers, as required by law, in connection with any actual or prospective legal proceedings, or in order to establish, exercise, or defend our legal rights;
  • Entities in Connection with a Business Transfers: An entity that buys, or to which we transfer all or substantially all of our assets and business, in which case your personal information may be transferred, sold, or otherwise conveyed;
  • Other Third Parties if the Data is De-Identified or Aggregated: We may share de-identify your data or share your information on an aggregated basis for any purpose provided that the Personal Information is blinded, masked, or otherwise not identifiable; and
  • Other Third Parties With Your Consent: We may disclose personal information consistent with this Privacy Policy with your

International Transfers of Personal Information

The personal information we collect is stored and/or processed in United States, or where we or our partners, affiliates, and third-party providers maintain facilities.

If you are visiting the Services from a country outside the United States, you should be aware that you may transfer personally identifiable Information about yourself to the United States, and that the data protection laws of the United States may not be as comprehensive as those in your own country.  By visiting the Services and submitting any personally identifiable Information you consent to the transfer of such personally identifiable Information to the United States.

Your Choices

  1. Marketing Communications. If you do not want to receive marketing and promotional emails from us, you may click on the “unsubscribe” link in the email to unsubscribe and opt-out of marketing email communications or see how to Contact Us below for more information. 
  2. Text Messages. You may sign up to receive text messages from CDMG or third-party service providers on behalf of CDMG (e.g., text message marketing). By using our Services, signing up for text messaging services or otherwise opting in to receive text messages (opting in via short code or entering your phone number into an on-site collection widget), you agree that you have provided CDMG or its third-party service providers with prior express written consent to be contacted by text message, including recurring automated promotional and personalized marketing text messages.
  3. By providing prior express and/or prior express written consent, you agree to receive text messages under the Telephone Consumer Protection Act and related state laws, including by the use of an automatic telephone dialing system (“ATDS”) to deliver text messages to the mobile phone number which you provided to CDMG. While you consent to receive messages sent using an ATDS (or “autodialer”), the foregoing shall not be interpreted to suggest or imply that any or all of CDMG mobile messages are sent using an autodialer.  We will use the Information provided by you in connection with the text messaging services in accordance with this Privacy Policy.  Your consent is not a condition of any purchase or use of our Services and your consent to be contacted as described is voluntary.   The number of text messages you receive may vary based upon the text messaging service(s) you sign up for.   Message and data rates may apply.
  4. You may revoke your consent and opt out to discontinue text messages at any time.  If you no longer want to receive text messages from us, reply STOP (or as otherwise instructed).
  5. Opting Out of Direct Marketing by Third Parties. To exercise choices regarding the marketing information you receive, you may also review the following links:

You may opt-out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices.

You may opt-out of receiving permissible targeted advertisements by using the NAI Opt-out tool available at http://optout.networkadvertising.org/?c=1 or visiting About Ads at http://optout.aboutads.info.

You can opt-out of having your activity on our Services made available to Google Analytics by installing the Google Analytics opt-out add-on for your web browser by visiting: https://tools.google.com/dlpage/gaoptout for your web browser.

Use of Cookies

We use “cookies” to collect information about you and your activity across our site. A cookie is a small piece of data that our website stores on your computer, and accesses each time you visit, so we can understand how you use our site. This helps us serve you content based on preferences you have specified.

Please refer to our Cookie Policy for more information.

Our use of online tracking technologies may be considered a “sale” or “sharing” under certain laws.  To the extent that disclosing information to these online tracking technologies is deemed to be a “sale” or “sharing” under certain laws, you can opt out of these online tracking technologies by submitting a request via our Web Form or by broadcasting an opt-out preference signal, such as the Global Privacy Control (GPC).  Please note that some features of our website may not be available to you as a result of these choices.

Do Not Track

Some browsers have a “Do Not Track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser “Do Not Track” signals.

We adhere to the standards outlined in this privacy policy, ensuring we collect and process personal information lawfully, fairly, transparently, and with legitimate, legal reasons for doing so.

Limits of Our Policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

Changes to This Policy

At our discretion, we may change our privacy policy to reflect updates to our business processes, current acceptable practices, or legislative or regulatory changes. If we decide to change this privacy policy, we will post the changes here at the same link by which you are accessing this privacy policy.

If required by law, we will get your permission or give you the opportunity to opt in to or opt out of, as applicable, any new uses of your personal information. It is your obligation to check our current Privacy Policy for any changes.

NOTICE OF PRIVACY RIGHTS FOR RESIDENTS OF CERTAIN U.S. STATES

Residents of certain U.S. states may have rights and choices regarding their Information.  To the extent any data protection law applies to our collection of your Information, this supplemental section of our Privacy Policy outlines the individual rights you may be entitled to and how to exercise those rights. 

Depending on where you live and subject to certain exceptions, you may have some or all of the following rights.

  • Right to Know and Access. You may have the right to request that we confirm whether we process your Information, and to request information about our collection and use of your Information, including whether we sell or share your Information.  You also have the right to request access to Information we may process about you. 
  • Right to Data Portability. Where the processing is carried out by automated means, and subject to certain exceptions, you may have the right to request and obtain a copy of your Information that you previously provided to us in a portable format.  In addition, to the extent technically feasible, you may have the right to obtain your Information in a readily usable format that allows you to transmit the Information to another data controller without hindrance.
  • Right to request Correction of Inaccurate Information. To the extent that we may maintain inaccurate Information, you may have the right to request that we correct such inaccurate Information, taking into account the nature of the Information and the purposes of the processing of the Information. 
  • Right to Request Deletion. You may have the right to request that we delete certain Information or records provided by or obtained about you, with certain exceptions and limitations as allowed under law. 
  • Right to Opt Out of the Sale and Sharing of Information. You may have the right to opt out of the processing of your Information for the purpose of selling or sharing of your Information for cross-context behavioral advertising.  To the extent that our use of certain online tracking technologies are deemed to be a “sale” or “sharing” under certain data protection laws, you may opt out of these online tracking technologies by submitting a request via [INSERT LINK] or by broadcasting an opt-out preference signal, such as the Global Privacy Control (GPC).
  • Right to Opt-Out of the use of Information for Targeted Advertising and Profiling. You may have the right to opt out of the processing of your Information for purposes of targeted advertising or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. We do not use your Information for targeted advertising .
  • Right to Limit Use and Disclosure of Sensitive Information. You may have the right to request that we limit the ways we use and disclose your sensitive Information to uses which are necessary for us to perform the Services, or deliver the goods reasonably expected by you, or and as authorized by law.  As noted elsewhere we do not collect sensitive Information.  
  • Right to Non-Discrimination. You may have a right to not be discriminated against in the Services or quality of Services you receive from us for exercising your rights.  We will not discriminate against you for exercising any of your rights in this section including denying goods or Services, charging different prices or rates for goods or Services, or providing a different level of quality of goods and Services.  However, we may offer a different price, rate, level, quality, or selection of goods or Services, including offering goods or Services for no fee, if you have exercised your right to opt out. 
  • Right to Disclosure of Direct Marketers. You may have a right to know the categories and names/addresses of third parties that have received Information for their direct marketing purposes upon simple request, and free of charge. 
  • Right to Appeal. You may have the right to appeal our denial of any request you make under this section.  To exercise your right to appeal, please submit an appeal request via the information in the Exercising Your Data Subject Rights section below. Within the certain timeframe of receipt of your appeal, as proscribed by the applicable law we will inform you in writing of any action taken or not taken in response to your appeal, including a written explanation of the reasons for the decisions.  If we deny your appeal, you may contact the Attorney General or another authority which we will help you identify.

To submit a request to exercise your rights, please see the Exercising Your Data Subject Rights section below. 

EXERCISING YOUR DATA SUBJECT RIGHTS

To exercise any of the rights described above, please submit a verifiable consumer request to us via the methods described below.  The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Information, or an authorized representative; and
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

To help protect your privacy and maintain security, if you request access to or deletion of your Information, we will take steps and may require you to provide certain information to verify your identity before granting you access to your Information or complying with your request.  In addition, if you ask us to provide you with specific pieces of Information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose Information is the subject of the request. 

If permitted by the applicable data protection law, you may use an authorized agent to submit requests on your behalf provided that the authorized agent is a natural person or a business entity that you have authorized to act on your behalf.  If you use an authorized agent, we will require: (1) proof of written permission for the authorized agent to make requests on your behalf, and identity verification from you; or (2) proof of power of attorney pursuant under applicable law.  Only you or your authorized agent may make a verifiable consumer request related to your Information. We may deny a request from an authorized agent that does not submit proper verification proof.  You may also make a verifiable consumer request on behalf of your minor child.  

Email us:         [email protected]

Call us:            (615) 814-6633

Write us:         Investment Journal, 1313 4th Ave N, Nashville, TN 37208

Submit a data subject request using our Your Privacy Choices form.

Difficulty Accessing our Policy

Individuals with disabilities who are unable to usefully access our Privacy Policy online may contact us to inquire how they can obtain a copy of our policy in another, more easily readable format.

Contact Us

For any questions or concerns regarding this Privacy Policy or the personal information we have collected, you may contact us at the following:

Email Us:

[email protected]

Effective Date

This policy is effective as of 9/5/2024.