USA Privacy Policy
We are providing this Privacy Policy to help you understand how KBC Advisors, Inc. (“KBC”) collects, uses, and shares information you provide us when you interact with our website, www.kbcadvisors.com, and obtain other services from us (our “Services”).
ATTENTION CALIFORNIA RESIDENTS: For information about your rights under California law, see the “Your California Privacy Rights” section below.
In using our Services, you may occasionally provide information, such as your name, your contact information, or other information about yourself to KBC and its affiliated entities, our service providers, or other businesses which you may contact while using the Services. KBC and these other entities may use this information and other technical information about your use of our Services to tailor their presentations to you, to facilitate your use of our Services or to communicate separately with you. We also may share personal information with other companies ("Third Parties") as described in this policy or at the time that your information is collected. In certain circumstances, you may have the opt-out to limit our sharing of your information, as described below.
The following describes how we collect, use and share your Personal Information.
1. What Personal Information does KBC collect from you? We automatically collect certain information when you visit, use, or navigate our website. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.
2. What are cookies and how does KBC use them? We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
3. How does KBC process and use Personal Information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.
4. Does KBC share my information with outsiders? We may need to share your personal information in the following situations:
- Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.
- Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions.
5. How long do we keep your information? We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 1 year after the end of your relationship with us.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
6. What are my choices regarding collection, use, and distribution of my information? KBC may, from time to time, send you e-mail regarding our services. In addition, if you indicated upon registration that you are interested in receiving offers or information from KBC, we may occasionally send you direct mail about services which we feel may be of interest to you. At any time you can easily opt out of receiving further offers and mailings.
7. How does KBC protect my personal and business-related information? KBC takes reasonable steps to safeguard your Personal Information from perpetrators of fraud or internet piracy. We recommend that you sign out of your KBC account and close your browser window when you have finished your work. This will help ensure that others cannot access your Personal Information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or an Internet cafe.
PLEASE REMEMBER THAT NO DATA TRANSMISSION OVER THE INTERNET CAN BE GUARANTEED TO BE 100% SECURE. AS A RESULT, WHILE WE STRIVE TO PROTECT YOUR PERSONAL INFORMATION, KBC CANNOT ENSURE OR WARRANT THE SECURITY OF ANY INFORMATION YOU TRANSMIT TO US AND YOU DO SO AT YOUR OWN RISK. ONCE WE RECEIVE YOUR TRANSMISSION, WE MAKE OUR BEST EFFORT TO ENSURE ITS SECURITY ON OUR SYSTEMS.
Your California Privacy Rights
Persons with disabilities may obtain this notice in alternative format upon request by contacting us at privacy@kbcadvisors.com.
California Consumer Privacy Act
The California Consumer Privacy Act (“CCPA”) provides California residents with rights to receive certain disclosures regarding the collection, use, and sharing of “Personal Information,” as well as rights to know/access, delete, and limit sharing of Personal Information. The CCPA defines “Personal Information” as “information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.” Certain information we collect may be exempt from the CCPA because it is considered public information (i.e., it is made available by a government entity) or covered by a specific federal privacy law, such as the Gramm–Leach–Bliley Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act.
To the extent that we collect Personal Information that is subject to the CCPA, that information, our practices, and your rights are described below.
Right to Notice at Collection Regarding the Categories of Personal Information Collected
You have the right to receive notice of the categories of Personal Information we collect, and the purposes for which those categories of Personal Information will be used. This notice should be provided at or before the time of collection. The categories we use to describe the information are those enumerated in the CCPA.
Personal Identifiers: We collect your name, phone number, and email address and contact address when you create an account or fill out certain web forms. If you choose to create an account on the website, you will also be asked to create a username, and we will assign one or more unique identifiers to your profile. We use this information to provide the Services, respond to your requests, and send information and advertisements to you.
We collect your social media handle and basic account information when you interact with our Services through social media.
We collect a unique numerical identifier, assigned to you by a first-party cookie, automatically when you use our Services in order to identify you, provide the Services, keep you logged in to the Services, prevent fraud, and provide you with targeted information and offers.
We collect your IP address automatically when you use our Services. We use this information to identify you, gauge online activity on our website, measure the effectiveness of online services, applications, and tools, and serve targeted advertisements based on your online activities.
We collect your Device ID automatically when you use our Services. We use this information to monitor your use and the effectiveness of our Services, to identify you, and to provide you with targeted information and offers.
Protected Classifications: We do not collect information related to any protected classifications on our website. However, we may from time to time collect information regarding your age, gender or other protected classification in the course of providing other Services only where required for the conduct of business.
Internet or Other Electronic Network Activity Information: We collect information about your browsing history, search history, information regarding your interaction with websites, and applications or advertisements automatically when you utilize our Services. We use this information to gauge online activity on our website, measure the effectiveness of online services, applications, and tools, and to serve targeted advertisements based on your online activities.
Geolocation Data: As described above, we collect your IP address automatically when you use our Services. We may be able to determine your general location based on the IP address. When you use the Services for the first time, we may ask for your permission to collect your precise location (e.g., your GPS coordinates). If you allow your device to provide us with this information, we use it to make improvements to our products and services, and to provide recommendations and deliver relevant advertising.
Professional or employment-related information: We may collect information about your current employer and your employment history when you fill out a form or otherwise in the provision of our Services.
Education information: We may collect information about the institutions you have attended and the level of education you have attained. We use this information to conduct background and other screening activities, and to promote our Services to others.
Inferences drawn to create a profile about a consumer reflecting the consumer’s preferences or characteristics: We may analyze your actual or likely preferences through a series of computer processes. On some occasions, we may add our observations to your internal profile. We use this information to gauge and develop our marketing activities, measure the appeal and effectiveness of our Services, applications, and tools, and to provide you with targeted information, advertisements, and offers.
We may use any of the categories of information listed above for other business or operational purposes compatible with the context in which the Personal Information was collected.
We may share any of the above-listed information with Service Providers, which are companies that we engage for business purposes to conduct activities on our behalf. Service Providers are restricted from using Personal Information for any purpose that is not related to our engagement.
Right to Know About Personal Information Collected, Disclosed, or Sold: You have the right to request that we disclose to you the Personal Information we collect, use, disclose, or sell. Our collection, use, disclosure, and sale of Personal Information is described in this Privacy Policy.
Right to Know/Access Information: You have the right to request access to Personal Information collected about you and information regarding the source of that information, the purposes for which we collect it, and the third parties and service providers with whom we share it. You may submit such a request as described below. To protect our customers’ Personal Information, we are required to verify your identify before we can act on your request.
Right to Request Deletion of Information: You have the right to request in certain circumstances that we delete any Personal Information that we have collected directly from you. You may submit such a request as described below. To protect our customers’ Personal Information, we are required to verify your identify before we can act on your request. We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response.
How to Submit a Request: You may submit a request to exercise your rights to know/access or delete your Personal Information by emailing us at privacy@kbcadvisors.com.
Verification Procedures: In order to process your request to know/access or delete Personal Information we collect, disclose, or sell, we must verify your request. We do this by asking you to provide personal identifiers we can match against information we may have collected from you previously; and confirm your request using the email or telephone account stated in the request.
Authorized Agent: You may authorize another individual or a business registered with the California Secretary of State, called an authorized agent, to make requests on your behalf. We require that you and the individual complete notarized affidavits in order to verify the identity of the authorized agent and confirm that you have authorized them to act on your behalf. Parents of minor children may submit a birth of the child certificate in lieu of an affidavit, in order to make requests on the child’s behalf.
9. Special Information for Nevada Residents Residents of the State of Nevada have the right to opt out of the sale of certain pieces of their information to other companies who will sell or license their information to others. If you are a Nevada resident and would like to make such a request, please email privacy@kbcadvisors.com.
10. Additional Information For any questions regarding this statement, please contact us at privacy@kbcadvisors.com.