Pinnacle Digest’s Privacy Policy

This Privacy Policy was last updated on January 4, 2017.

Pinnacle Digest takes your privacy seriously. Please read the following to learn more about our Privacy Policy.

Maximus Strategic Consulting Inc., owner of PinnacleDigest.com, and its affiliated and subsidiary entities (“Maximus”, “Pinnacle Digest”, “we”, “our” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Statement (collectively, the “Privacy Policy”) describes how we may collect, use and disclose personal information. The Privacy Policy applies to any personal information we collect or receive about you, from any source. However, it does not apply to personal information that we collect, use or disclose for journalistic purposes.

Maximus believes that you should understand why we collect, and how we use and disclose the personal information you provide and, furthermore, that you should have the right to approve the use of that information.

 

Consent

The knowledge and consent of the individual are required for the collection, use or disclosure of personal information, except where consent is not required by privacy legislation as, for example, where the collection, use or disclosure of personal information is solely for journalistic, artistic or literary purposes.

In obtaining consent, Maximus Strategic Consulting Inc. shall use reasonable efforts to ensure that a subscriber is advised of the identified purposes for which personal information will be used or disclosed. Purposes shall be stated in a manner that can be reasonably understood by the subscriber. Maximus shall limit the collection of personal information to that which is necessary for the purposes identified by the company. Personal information shall be collected by fair and lawful means.

The way in which Maximus seeks consent may vary, depending on the circumstances and the type of information collected. Maximus will generally seek express consent when users are submitting their email address to gain complete access to any of its newsletters and websites.

Consent may be obtained in any one of the following ways:

– an online application or registration form may be used to seek consent, collect information and inform the individual of the use that will be made of their personal information. By completing and submitting the online application or registration, the individual is giving consent to the collection and the specified uses;

– an online opt in box requiring the submission of one’s email address. Once the email address is submitted, a confirmation email will be sent to that email address explaining the service subscribed for and requesting they click a button to confirm their desire to subscribe.

– consent may be given by emailing support [at] pinnacledigest.com instructing us to subscribe you to any of our newsletters from the email address to be subscribed. Subject should read “add me to your list”. If your instructions are not explicitly clear, we will respond to your email asking for clarification.

 

By submitting your personal information, subscribing to our services or products or using our websites, you signify your agreement to the terms and conditions of the Privacy Policy. Please check back periodically as the Privacy Policy may be amended from time-to-time and applies to all Maximus divisions in Canada. In addition, you represent and warrant that you have the right and authority or have obtained all necessary consents to provide any information, including any personal information of another individual that is provided by you to Maximus.

Maximus may disclose personal information without knowledge or consent to a lawyer representing the company, to comply with a subpoena, warrant or other court order, or as may be otherwise required by law.

In obtaining consent, Maximus will take into account the sensitivity of the personal information and the reasonable expectations of its subscribers. Consent will not be obtained through deception.

You may refuse or withdraw consent at any time. Please read the paragraph below for further details.

As stated on our website registration forms, by registering for PinnacleDigest.com on this website (involves you voluntarily submitting your email address), or by downloading any free Ebooks we provide (also involves you voluntarily submitting your email address), you agree that you would like to receive a free subscription to our weekly financial email newsletter. We typically email our newsletter once per week – mainly on Sundays. Within our newsletter we sometimes write about our clients and sponsors. Opting out of our newsletter is simple. In every email newsletter we distribute there is an unsubscribe link included (at the bottom of the email). Click that link and follow further instructions. You can also email support [at] pinnacledigest.com, subject unsubscribe, to opt out of our free newsletter subscription and/or cancel your account at any time.

 

What is personal information?

‘Personal information’ means information about an identifiable individual. We collect personal information on this website such as your name, email address, and sometimes other contact information when you register with us, subscribe to our newsletters, submit content to our site, or participate in a contest (e.g. Pinnacle Digest’s Stock Challenge). We collect financial information when you place an order for a product or service. Personal information does not include publicly available information or your business contact information.

 

What personal information do we collect about you? How do we use personal information?

In most cases, we will collect personal and non-personal information directly from you when you sign up for a newsletter or interact with any of our services or websites so that we can provide a more interesting and useful service, as well as more targeted advertising.

We identify the purposes for which we may collect, use and disclose your personal information at the time that we collect such information. Such purposes include providing and delivering products or services to you, responding to your inquiries, and internal business purposes such as administering or improving our website. We obtain your consent for such purposes at or before the time that we collect, use or disclose your personal information, except where permitted or required by law.

We ask for your name, e-mail address, and other personal information when you register to use features of our website, such as our message boards, e-mail newsletters or contests. We also may ask for this information at other times, such as when you enter other promotions and surveys sponsored by Maximus Strategic Consulting Inc. and/or our partners.

If you use our invite a friend service to e-mail a Pinnacle Digest Stock Challenge invitation to a friend, you will need to provide us with your friend’s e-mail address and your e-mail address as a return address. We will automatically send this person a one-time e-mail, with the contest invitation, as well as an invite for your friend to visit and register with our site. We will not use these e-mail addresses for any other purpose.

We collect IP addresses for site security and to help us understand how people use our sites so that we can improve our sites and our users’ respective experiences. For similar quality reasons, we use cookies and other facilities when you visit our site. Notations may be made in your computer for future reference. If you revisit the site, these notations allow the website to identify you as a return guest, and offer you products or services tailored to your interests or tastes.

Note about ‘Cookies’: Cookies are small text files that contain a unique identifier that is placed on your computer. When you visit our websites, the websites save the file with a matching identifier. When you revisit our website(s) days or weeks later, depending on the settings of your Internet browser, we may be able to recognize you by matching the cookie on your computer with the matching identifier in the website(s) database. Many Internet browsers are initially set to accept cookies. If you do not wish to accept cookies, you can set yours to refuse cookies or to alert you when cookies are being sent. If you reject cookies, you may be limited in using some areas of our websites.

Unless we get your approval, we will not display your e-mail address on PinnacleDigest.com.

We may also use tiny electronic images (including but not limited to “single-pixel GIFs” or “Web beacons”), which allow us to count users who have visited specific pages or accessed certain features. We may use single-pixel GIFs in the following ways:

– To count and recognize users

– To count and recognize users

– To count and recognize users

– To conduct research on behalf of some partners about their websites

– To conduct research on behalf of some partners about their websites

– For auditing purposes

– To determine aggregate information about users, including demographic and usage information

– To determine aggregate information about users, including demographic and usage information

– To determine which e-mail messages were opened and/or acted upon when we send HTML-formatted e-mail messages (messages resembling web pages that include graphics)

– To determine which e-mail messages were opened and/or acted upon when we send HTML-formatted e-mail messages (messages resembling web pages that include graphics)

 

Advertising networks that serve ads on our site may also use single-pixel images in their advertisements. In general, any electronic image viewed as part of a web page, including an ad banner, can act as a web beacon.

Occasionally, we may collect personal information from a third party based on your consent or as otherwise permitted by law.

We identify the purposes for which we may collect, use and disclose your personal information at the time that we collect such information. Such purposes include providing and delivering products or services to you, responding to your inquiries, and internal business purposes such as administering or improving our website. We obtain your consent for such purposes at or before the time that we collect, use or disclose your personal information, except where permitted or required by law.

 

To whom do we disclose personal information?

Maximus’ divisions and affiliates may share personal information with each other in order to fulfill the purposes that you have consented to. We may also share your personal information with third party service providers as necessary for them to provide services on our behalf. Some service providers may be located outside of Canada where personal information may be subject to the laws of those jurisdictions.

We may disclose personal information to a potential purchaser in connection with the sale of some or all of the business of Maximus, or as otherwise permitted or required by law.

Maximus will not disclose any personally identifiable information about individual users, except as described in this Privacy Policy. With the few exceptions that we explain here, we do not give, rent, lend, or sell individual information to our advertisers, although we do provide aggregate information. For example, we might tell an advertiser that there are 20,000 registered users in a given country, but we will not tell them that John Smith is one of them, nor will we give them his e-mail address. We may also use this aggregated information to help the advertisers reach the kind of audience they want. They may give us an advertisement and tell us the type of audience they want to reach (for example, males in a certain province).

Maximus (or people working on our behalf under contracts and confidentiality agreements) would then take the advertisement and display it to users who have told us they meet those criteria. We may also disclose aggregate information (for example, information showing that 25% of our readers clicked on a particular web advertising banner last month) in order to describe our services to prospective partners, advertisers, and other third parties, and for other lawful purposes.

As for individually identifiable information, we may disclose it under the following circumstances:

– We may disclose information to others when we have your consent

– If you buy something from us, we will disclose your personal information to the extent necessary to fulfill your order and if applicable, charge your credit card. We may use a fulfillment company to fill and ship your order (excluding products you download directly from our site) and a credit card processing company to verify your card number and process the transaction. For example, if you order a Pinnacle Digest service with your credit card, we need to give your address to the fulfillment house and your credit card information to the processing company (to confirm payment). We may also give your information to a delivery or postal service so that your order can be delivered to you

– If you use our invite service to e-mail a contest invite to a friend, Pinnacle Digest will automatically send this person a one-time e-mail, with the invitation attached. The e-mail address you give us will appear on the “from” line of the e-mail, thereby disclosing this information to whoever opens and reads the e-mail. Similarly, if you send e-mail from our site, your address may appear as the return address of that e-mail

– We may disclose your personal information as required by applicable law, or in response to legal process, to protect the rights or property of Maximus Strategic Consulting Inc., or to protect the safety of Maximus Strategic Consulting Inc., our users, or others

– If you win our monthly Stock Challenge contest, we will give your mailing address information to a delivery or postal service so that your prizes can be delivered to you

– We may employ contractors or other third parties to help with our operations. We may give them access to databases of user information, so that they can perform services for us, including performing system maintenance, displaying personalized content (such as stocks of interest), performing list analysis or management, or sending mailings for us from our advertisers. These parties are strictly prohibited from the use and disclosure of information they obtain through their relationship with Maximus Strategic Consulting Inc.

– The ads appearing on this website are delivered to you by our advertisers. Information about your visits to PinnacleDigest.com and its related web sites, such as the number of times you have viewed an ad (but not your name, address, or other personal information), is used to serve ads to you

 

What kind of security measures do we take to protect your information from accidental loss or disclosure?

Maximus Strategic Consulting Inc. is committed to protecting your personal information. We retain personal information for as long as necessary to fulfill the purposes for which it was collected and as permitted or required by law. We have implemented physical, administrative and technological security measures to protect your personal information from loss or theft, and unauthorized access, disclosure, copying, use or modification.

Personalized areas of our sites, such as member log in areas, are password-protected. Only you have access to these password-protected areas. Do not share your passwords with anyone. Maximus Strategic Consulting Inc. will never ask you for your password in an unsolicited phone call or e-mail. And never share your personal information (email address, phone number, mailing address, place of work, etc.) with anyone on our message boards. If you are using a computer to which others have access, such as one in a computer lab, Internet cafe, or public library, always remember to log out and close your browser window when leaving our site.

While we do our best to protect your personal information, Pinnacle Digest cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. You are responsible for maintaining the secrecy of any password and/or account information. Please be careful and responsible whenever you are online, especially when using a computer that other people can use also.

Note: Our advertisers or partners, such as public companies or data providers, link from our site or newsletters to areas on their own sites where they sell their own products and services. If you follow links from our site and or newsletters to others, you should be aware that you are doing business with those other sites, which have their own privacy and data collection practices. Maximus has no responsibility or liability for these independent policies. For more information regarding a site and its privacy policies, check that site.

 

Web Server Location

The web servers hosting PinnacleDigest.com and its related sites and your personal information are located in Canada. By using our websites and by voluntarily providing your personal information to us, you are consenting to the transfer of your personal information to the web servers hosting our websites in Canada. In addition, you acknowledge that your personal information may be available to the Canadian governments or agencies under a lawful order.

 

Server Logs

Our servers automatically log information about visits to our websites in the normal course of establishing and maintaining web connections. The server logs record statistical information, such as visitors’ IP addresses, time and duration of visit, and websites visited. We collect this information so that we may continuously improve our content. These statistics are reported in aggregate form only. We may process and use this aggregate data for various purposes, including, but not limited to, analysis of this data for trends and statistics, development of website features and offerings, assessing patterns of use, or planning and evaluating marketing initiatives.

 

Control of your information – you can unsubscribe at any time

Users may choose to stop receiving newsletters or marketing material from Maximus Strategic Consulting Inc. and PinnacleDigest.com or on behalf of external third party business partners at any time. Users may choose to stop receiving such communications at any time by following instructions at the end of any e-mail newsletter we send (look for an unsubscribe link in any of our newsletters) or by emailing us directly at support [at] pinnacledigest.com, subject should read ‘unsubscribe’ with the address that you want unsubscribed.

 

Children

Our websites, including this one, are not directed to children under 18 years of age without appropriate parental notice and consent. Protecting the privacy of children is very important to us. We do not knowingly collect or maintain personal information from people under 18 years of age. If you are under 18, please do not send any information about yourself to us. In the event that we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information as quickly as reasonably possible.

 

How can you access your personal information?

We will make available to you any personal information that we have collected, used or disclosed, upon your written request, to the extent permitted by law. We will attempt to respond to your written request within thirty (30) days. We will advise you in writing if we cannot meet your request within this time limit.

 

How to Contact Us?

If you have any questions about this Privacy Policy or wish to make a complaint regarding the treatment of your personal information by us you can write to us by emailing support [at] pinnacledigest.com.

-OR-

In writing via mail:

Chief Privacy Officer

Maximus Strategic Consulting Inc.

700 West Georgia St.

Suite 1450

Vancouver, British Columbia, Canada V7Y 1K8

 

How will you know whether Pinnacle Digest’s Privacy Policy has changed?

The development of Maximus’ policies and procedures for the protection of personal information is an ongoing process. Due to changes in technology and legal requirements, we may revise this Privacy Policy from time to time, without prior notice to you. Please ensure that you refer to the current version of the Privacy Policy. We will give notice of any material change (or any notices that we are required to give you) on our websites and/or in e-mail messages.

This Privacy Policy applies to the operations of our Canadian sites. Data handling practices and rules may differ from country to country.