Policy Effective Date: January 18th, 2020
AgentRisk’s servers automatically record certain information (“Non-Identifiable” or “Aggregated Data”) about your use or evaluation of our Service. Similar to other technology platforms and services, AgentRisk records information such as browsing activity, data displayed or clicked on (such as UI elements, ads, and links), and other information (such as browser type, date and time of access, cookie ID, and referrer URL). Along with cookies, AgentRisk may also use third-party tracking technology, such as Google Analytics, to record similar information regarding you and your activity on the Site.
Types of Data collected
The types of information we collect depend on whether you are a User or Client. We collect Personal Data from you when you voluntarily provide information to us, or, in case of Usage Data, we collect data automatically when you use AgentRisk. Additionally, we may collect data from you when you use our broker/custodian Interactive Brokers.
Information Collection from Users
We collect personal information such as name, address, telephone number and other optional information you may provide, such as your age, investable assets, and risk tolerance, which may include your financial goals and objectives, income information and other financial planning information about your household.
We may collect your email address and/or telephone number should you opt to engage via our website, email or dedicated telephone number with our client service team.
We also collect account numbers and login credentials for the accounts (bank or brokerage) you choose to link to our Service, any challenge and/or security questions associated with those accounts and any information contained in those accounts.
We may also collect personal information from you offline, such as when you attend one of our events, or when you contact customer support. We may use this information in combination with other information we collect about you as set forth in this Policy.
Information Collection from Clients
If you choose to become a Client, in addition to the information we collect from you as a User, as described above, we will ask you for certain information, including, but not limited to, your full legal name, contact information, birth date, ID, citizenship, investment objectives, approximate net worth, and other regulatory disclosures that may be necessary and required under European law (see our Client Agreement).
In the event you already have an account with Interactive Brokers which you want us to manage, we will receive the above information from Interactive Brokers.
Use of Information
AgentRisk’s number one priority is your trust. Protecting your privacy is essential to earning and keeping that trust. This tenet drives all of the decisions we make, as well as how we gather, use and store any information we acquire from you.
In general, we use personal information to create and improve our Services, our content, to provide client support and for loss prevention and anti-fraud purposes. We may use this information for the purposes below (which also form our legal bases) as described:
To provide customer service - We process your personal information when you contact us to resolve any questions, disputes, collect fees, or to troubleshoot problems.
To provide Service communications - We send administrative or account-related information to you to keep you updated, inform you of relevant tax issues, security issues or updates, or provide other transaction-related information.
To enhance your website experience - We process your personal information to provide you with a personalised experience.
To engage in marketing activities - Based on your communication preferences, we may use your Personal Data to send you targeted marketing communications regarding our Service or to tell you about blog posts or services that we believe will be of interest to you. If you decide at any time that you no longer wish to receive marketing communications from us, please follow the “unsubscribe” instructions provided in the communications. Please note that you cannot opt out of administrative communications such as regulatory, billing or service notifications.
To maintain legal and regulatory compliance - Our Services are subject to laws and regulations requiring us to collect and use your personal identification information, formal identification information, financial information, employment information, online identifiers, and/or usage data. For example, we must identify and verify customers using our Services in order to comply with anti-money laundering and terrorist financing laws across jurisdictions. In addition, we may use third parties to verify your identity by comparing the personal information you provided against third-party databases and public records.
You may choose not to provide such information to us, but if you choose not to provide such information, you will not be able to become a Client.
Information Sharing and Onward Transfer
There are certain circumstances, outlined below, in which we may share your Personal Data without further disclosure to you. You may request a detailed analysis of which data we may share with third parties by sending us an email at email@example.com.
We may share your information with service providers under contract who help with parts of our business operations such as marketing, and technology services. In the case we hire another company to perform a function of this kind, we only provide them with the minimum information they need to perform their specific function.
We may your information with third party identity verification services in order to prevent fraud. This allows us to confirm your identity by comparing the information you provide us to public records and other third party databases. These service providers may create derivative data based on your personal information that can be used solely in connection with provision of identity verification and fraud prevention services.
Except as required by law or requested by regulatory authorities, AgentRisk agrees to maintain your non public Personal Data in strict confidence.
You can object to our use of your personal information for direct marketing purposes at any time and you may have the right to object to our processing of some or all of your personal information (and require them to be deleted).
Other Important Information
AgentRisk takes reasonable steps to protect your Personal Data from loss, misuse, and unauthorized access, alteration, disclosure, or destruction. No Internet, email, or electronic operating system that enables the transmission of data is ever fully secure or error free so, please take special care in deciding what information you send to us in this manner. You play a vital role in protecting your own personal information. When registering with our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third-parties, and to immediately notify us if you become aware of any unauthorised access to or use of your account.
AgentRisk will try to limit the storage of your personal information to the extent that storage is necessary to serve the purpose(s) for which the personal information was processed, to resolve disputes, enforce our agreements, and as required or permitted by law. We may store and process all or part of your personal and transactional information in the United States and elsewhere in the world where our facilities or our service providers are located.
Personal Data shall be processed and stored for a period of 5 years retention due to legal purposes. Once the retention period expires, Personal Data shall be deleted.
We do not allow third party advertising on our Website or Mobile applications.
AgentRisk is not to be used by anyone under the age of 18 and as such does not knowingly collect Personal Data from anyone under the age of 18. If you are under the age of 18, please do not submit any Personal Data to AgentRisk. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with personally identifiable information without his or her consent, he or she should contact us at firstname.lastname@example.org.