Talcum Advisory Privacy Policy
Thank you for visiting Talcum Advisory ("Company") located at www.talcumadvisory.com
(the "Site")
. This Privacy Policy outlines the privacy practices associated with
the Site, and you hereby agree to it in its entirety, including but not limited
to: (i) access or use the Site; (ii) agree to receive e-mail from us via the
Site, or any other means; (iii) register on the Site to receive related products
and/or services from third party service providers; and/or (iv) obtain, or
attempt to obtain, any products and/or services. Your use of the Site is
conditioned upon your acceptance of the terms contained herein. If you do not
agree to the terms contained herein, please do not access or use the Site.
Collection of Personal Information
We collect personal information directly from you when you visit and interact
with the Site, and when you open and/or click on email advertisements,
as well as if you request to unsubscribe from receiving future email
advertisements from us. Any information on this site will not be shared with any
third parties for marketing purposes. No mobile information will be shared or sold to third parties/affiliates for
marketing/promotional purposes. We do not express or imply to other companies or firms that you have given subscriber opt in permission to
someone other than talcumadvisory.com.
The types of personal information that we collect automatically through the Site
include: (i) your IP address; (ii) referring web page; (iii) your age range;
(iv) cookies, beacons, pixel tags, and mobile ad identifiers; and (v)
geolocation data. Our servers automatically recognize your IP address each time
you visit the Site and the web page from which you came. Your IP address is used
to help identify you and to gather broad demographic information about you to
and to better tailor our product and service offerings contained within the
Site. Your IP address can also be used to help diagnose problems with our
servers, and to administer the Site. We also collect additional personal
information which you submit to us through the Site including: (i) your first
name; (ii) your last name; (iii) your email address; (iv) your telephone number;
and (v) any other information requested in a web form contained on the Site.
The first time that a user provides an e-mail address in connection with their
activities at the Site, we assign an identification number to that e-mail
address and deploy a cookie to the applicable user's PC. A cookie is a small
data text file, which is stored on your computer's hard drive (if your web
browser permits) that can later be retrieved to identify you to us. Cookies make
your use of the Site easier, make the Site run more smoothly, and help us to
maintain a secure Site. The cookies may collect information about you, such as
the referring website address, your IP address, your browser type and version,
your Internet service provider, the area code and zip code associated with your
server, the time and date of your visit, and the time spent on the Site.
Whenever a user comes back to the Site using the same PC, the cookie allows the
Site to identify the user and to recall the users e-mail address. If, at any
time, a user provides other information in connection with their activities on
the Site (such as name, address, etc.), we may store that information, along
with a user's e-mail address, in our database. We may use the information stored
in our database: (i) to effectuate the purpose or transaction for which the
information was originally provided by a user; (ii) to ensure that a user will
not be repeatedly exposed to the same advertisements, offers and/or promotions
while visiting the Site; (iii) to pre-populate information fields in the event
that user wishes to purchase products and/or services or sign up for and/or
subscribe to services, promotions or other offers in the future; (iv) to, in
connection with regular communication with a user, include offers, promotions or
advertisements that were historically, or are likely to be, of interest to that
user; or to track your use of the Site, and to customize the content that you
might see on the Site. To disable and reject cookies, adjust the settings via
the options menu of your Internet browser. Many web browsers offer their users
to opt to not be tracked, however unless otherwise required by law, we do not
guarantee that we will respond to such Do Not Track signals.
Other methods of tracking: An action tag or a web-beacon (also known as a clear
gif/pixel tag) is a method used to track responses or actions by visitors who
view certain advertisements and/or other information on the Site. Action tags
are 1x1 pixel images embedded in a website page that are used to transparently
collect information. We may use action tags to count the number of times that
visitors click on a particular banner ad or visit the pages of the Site and to
provide information about what products/services are viewed or purchased. We
reserve the right to retain this cookie and action tag data indefinitely.
We also collect personal information through advertising networks, internet
service providers (ISPs), operating systems, and social networks.
Usage of Personal Information
The above personal information is used: 1) to provide you with the ability to
access and interact with the Site; 2) personalize and improve the Site and/or to
contact you when necessary in connection with transactions entered into by you
on the Site; 3) to provide you with information that you may request and fulfill
requests submitted through the Site; 4) to track consumer interaction with the
Site and with our email advertisements (counting ad impressions, verifying
positioning and quality of ad impressions); 5) for advertising/marketing
services; 6) to detect security incidents, or protect against malicious,
deceptive, fraudulent, or illegal activity; 7) to debug to identify and repair
errors that affect functionality; 8) for short-term, transient use; 9) for
customer service; 10) for analytics, internal research and business purposes;
11) to verify and maintain quality or safety on the Site; and 12) for legal
compliance.
When you submit your request for information through the Site by clicking on
, you hereby agree and acknowledge that your personal
information will be placed into Company's database. www.talcumadvisory.com provides
its users with the opportunity to receive special products, offers and/or
services so that you do not have to complete another information collection form
to purchase or receive that product or service.
We use demographic information to tailor the Site to the interests of our users.
We reserve the right to provide aggregate or group data about our users for
lawful purposes. Aggregate or group data is data that describes the
demographics, usage or characteristics of our participants as a group, without
disclosing personally identifiable information. By agreeing to the terms of this
Privacy Policy, you hereby consent to the disclosure of any record or
communication to any third party when we, in our sole discretion, determine the
disclosure to be appropriate.
We also reserve the right to release current or past user information in the
event that we believe that the user is using, or has used, our products,
services and/or Site: (i) in violation of the terms and conditions of this
Privacy Policy or any other of our operating rules, policies, price schedules
and other supplemental terms and conditions or documents that may be published
by us from time to time; (ii) to commit unlawful acts; (iii) if such information
is subpoenaed; provided, however, that, where permitted by applicable law, we
shall provide you with e-mail notice, and opportunity to challenge the subpoena,
prior to disclosure of any personal information pursuant to a subpoena; (iv) if
we are sold or acquired; provided, however, that if we are involved in a merger,
acquisition or sale of all or a portion of our assets, you will be notified via
email and/or a prominent notice on the Site of any change in ownership or uses
of your personal information, as well as any choices that you may have regarding
your personal information; and/or (v) when we deem it necessary or appropriate
including, without limitation, sharing your e-mail address with other third
parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as
amended from time to time, and Federal Trade Commission implementing
regulations.
By registering at the Site, you agree that such act constitutes an inquiry
and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR
§ 310 et seq.), as amended from time to time and applicable state do-not-call
regulations. As such, notwithstanding that your telephone number may be listed
on the Federal Trade Commissions Do-Not-Call List, and/or on applicable state
do-not-call lists, we retain the right to contact you via telemarketing in accordance
with the Rule and applicable federal and state do-not-call regulations.
You may unsubscribe from any of our e-mail marketing programs at any time via an
unsubscribe hyperlink that allows the recipient to unsubscribe from the specific
marketing program by clicking the hyperlink provided and following the
instructions that follow. We process all unsubscribe requests in a timely
fashion, but cannot guarantee that you will never receive another mailing from
us, as we may obtain your e-mail address again through a different e-mail
marketing program that you have opted in to. If you receive another e-mail
communication from us, you will be able to remove your e-mail address via the
unsubscribe hyperlink. You may, at any time, notify us that you do not wish to
have your personal information disclosed to third parties for offers and
promotions by sending an e-mail to
[email protected].
TCPA Consent
This Site is compliant with the Telephone Consumer Protection Act as implemented by the Federal Communications Commission.
By clicking the
button on the Site, you agree by electronic signature
to the Terms and Conditions and this Privacy Policy and authorize Company to contact you by email and
at the phone number you entered using technology including recurring auto-dialers,
pre-recorded messages, and text messages. You understand that your telephone company may impose charges on you for these contacts,
and that you can revoke this consent at any time. For SMS campaigns Text STOP to cancel and HELP for help.
Message and data rates may apply. You are not required to give your consent as a condition of service.
By clicking the
button and submitting this form, I affirm that I have read
and agree to this Site's Terms and Conditions (including the arbitration provision and the E-SIGN consent) and Privacy Policy.
Security Precautions
The privacy of your personal information is very important to us. As such, we
endeavor to safeguard our users' personal information. When users make personal
information available to us, their personal information is protected both online
and offline (to the extent that we maintain any personal information offline).
Access to your personal information is strictly limited, and we take reasonable
measures to ensure that your personal information is not actssible to the
public. The servers that we store personal information on are kept in a secure
physical environment. We also have security measures in place to protect the
loss, misuse and alteration of personal information under our control. Please be
advised, however, that while we take every reasonable precaution available to
protect your data, no storage facility, technology, software, security protocols
or data transmission over the Internet can be guaranteed to be 100% secure.
Computer hackers that circumvent our security measures may gain access to
certain portions of your personal information, and technological bugs, errors
and glitches may cause inadvertent disclosures of your personal information;
provided, however, that any attempt to breach the security of the network, our
servers, databases or other hardware or software constitutes a crime punishable
by law. For the reasons mentioned above, we cannot guarantee or warrant that
your personal information will be absolutely secure. Any transmission of data at
or through the Site is at your own risk.
All of our users' personal information is restricted in our offices. Employees
not adhering to our policies are subject to disciplinary action. In compliance
with applicable federal and state laws, we shall notify you and any applicable
regulatory agencies in the event that we learn of an information security breach
with respect to your personal information. You will be notified via e-mail in
the event of such a breach. Please be advised that notice may be delayed in
order to address the needs of law enforcement, determine the scope of network
damage, and to engage in remedial measures.
Age Restrictions (Minors)
No information should be submitted to, or posted at, the Site by visitors under
eighteen (18) years of age or the applicable age of majority (if greater than
eighteen 18 years of age). Persons under eighteen (18) years of age or the
applicable age of majority are not permitted to access the Site and we do not
knowingly collect personal information from such individuals. We encourage
parents and guardians to spend time with their children and to participate and
monitor their online activities. To the extent that you believe that we have
acquired the personal information of minors, please contact us immediately using
the contact information below.
Updating Your Information
At any time you may request Talcum Advisory to: (i) amend the personal information
that we have on file for you and/or (ii) remove personal information that you
have provided to us, or that we have collected. You may do so by contacting us
via e-mail at
[email protected]; provided, however, that we ask individuals
to identify themselves and the information requested to be accessed, amended or
removed before processing such requests, and, to the extent permitted by
applicable law, we may decline to process requests that are unreasonably
repetitive or systematic, require disproportionate technical effort, jeopardize
the privacy of others, or would be extremely impractical.
Please be advised that deleting your personal information may terminate or limit
your ability to apply for services through the Site. If you wish to apply for
services without any hindrance or limitation, you may decide not to delete the
personal information that we have on file for you. Note that after you delete
your personal information, residual copies may take a period of time before they
are deleted from our active servers and may remain in our backup systems.
Option to Opt Out
We provide users with the option to opt-out from receiving information sent via
electronic mailings on or own behalf of and that of our third party advertisers.
Users may unsubscribe from receiving e-mail at any time by following the
instructions contained at the end of every e-mailing. Unsubscribe requests can
only be processed if you have registered with us in the first instance. If you
have not registered with us and wish to opt out of receiving e-mail from a
particular sender, please consult that sender's opt out policy, or contact that
sender. Users may continue to receive e-mail from us for up to ten (10) days
following the unsubscribe procedures detailed above. If, after that point, a
user is still receiving e-mail from us, the user should contact us at
[email protected]. Notwithstanding the foregoing, we may continue to contact
you for purposes of communicating information relating to your application for
the services, as well as to respond to any inquiry or request made by you. To
opt-out of receiving services-related and/or inquiry response-related messages
from us, you must cease applying for services, and cease submitting inquiries to
us.
Your California Privacy Rights
This section is specific and applies only to web visitors who are California
residents, under the meaning of Section 17014 of Title 18 of the Cal. Code of
Regulations.
If you would like to learn how your personal information is shared with third
parties (as defined in the Shine the Light Law, Cal. Civ. Code Sec. 1798.83), or
what categories of personal information that we have shared with third parties
in the preceding year, as well as the names and addresses of those third
parties, and also if you would like to opt-out from the disclosure of your
personal information to any third party for marketing purposes please contact us
at:
[email protected], or send postal mail to Talcum Advisory,
338 Jericho Turnpike - Suite 249, Syosset, NY 11791. Please
be advised that where California residents opt-out from permitting their
personal information to be shared, such individuals may still receive selected
offers directly from www.talcumadvisory.com, in accordance with applicable laws.
Under the California Consumer Privacy Act of 2018 ("CCPA"), up to twice in a
twelve (12) month period, a consumer has the right to request that a business
disclose what personal information it collects, uses, discloses, and sells.
Information regarding our collection, disclosure, and sale practices are
detailed below, in addition to instructions on how to exercise your rights
regarding your personal information.
What Personal Information Do We Collect?
We collect, and have collected personal information about our visitors in the
preceding 12 months in the following categories:
| Categories of Personal Information (PI) |
Specific Types |
Categories of Personal Information (PI) Specific Types Business or
Commercial Purpose for Which Each Category Will be Used
|
|
Identifiers (e.g., a real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address, email address,
account name, social security number, driver's license number, passport
number, or other similar identifiers)
|
First name;
Last name;
Email address;
IP address;
|
Site access and interaction;
Fulfillment of requests submitted through the Site;
Personalize and improve the Site;
Marketing;
Internal database;
Analyze the Site;
Secure the Site;
Customer service;
and Legal compliance
|
|
Information that identifies, relates to, describes, or is capable of
being associated with, a particular individual, including, but not
limited to, his or her name, signature, social security number, physical
characteristics or description, address, telephone number, passport
number, driver's license or state identification card number, insurance
policy number, education, employment, employment history, bank account
number, credit card number, debit card number, or any other financial
information, medical information, or health insurance information.
|
Age range;
Phone number
|
Site access and interaction;
Fulfillment of requests submitted through the Site;
Marketing;
Internal database;
Internal analysis;
Customer service;
and Legal compliance
|
|
Internet or other electronic network activity information (e.g.,
browsing history, search history, and information regarding a consumer's
interaction with an Internet Web site, application, or advertisement)
|
Time and date of your visit to the Site;
Time spent on the Site;
Referring web page;
Specific webpages you visited, including any third party websites
reached through the Site;
Internet service provider;
Domain name servers;
Types of computers or devices accessing the Site;
Web browser type and version;
and Behavioral data (opens, clicks)
|
Site access and interaction;
Fulfillment of requests submitted through the Site;
Personalize and improve the Site;
Marketing;
Internal database;
Analyze the Site;
Secure the Site;
Customer service;
and Legal compliance
|
| Geolocation data |
Geographic region based on IP address;
Area code and zip code associated with your web server
|
Site access and interaction;
Fulfillment of requests submitted through the Site;
Personalize and improve the Site;
Marketing;
Internal database;
Analyze the Site;
Secure the Site;
Customer service;
and Legal compliance
|
In addition to the above, to the extent legally required to comply with
applicable laws and regulations, or to respond to a lawful request, or to
otherwise protect our rights, we may also disclose any of the above personal
information to the requesting governmental agency, entity, or person. As we
continue to develop our business, we might sell or buy assets. In such
transactions, personal information collected through the Site may be one of the
transferred business assets. Also, in the event that we, or substantially all of
our assets, are acquired, such personal information will be included within the
transferred assets.
Your Right to Request to Know and How to Submit a Verified Request to Know
A "request to know" is a request related to the personal information that a
business has about such consumer. It may include a request for any or all of the
following from us: 1) specific pieces of personal information that we have
collected about you; 2) categories of personal information that we have
collected about you; 3) categories of sources from which the personal
information was collected; 4) categories of personal information that we have
sold or disclosed for a business purpose about you; 5) categories of third
parties to whom the personal information was sold or disclosed; and 6) the
business or commercial purpose for collecting or selling personal information.
The CCPA permits requests to know from the same consumer up to twice in a twelve
(12) month period.
To submit a request to know, please email your request to
[email protected]. To process your request, you may be required to
submit your name, address, email address, and phone number in conjunction with
your request. The name, address, email address and phone number which you
provide will be used to verify your request and to attempt to identify you
within our data records. If you elect to use an authorized agent to exercise
your right to submit a request for information, we may require the following
before processing the request: 1) provide proof of your written and signed
permission with the authorized agent to act on your behalf; 2) directly verify
your own identity with us; and 3) directly confirm with us that you provided the
authorized agent permission to submit the request on your behalf. The
information which you submit in conjunction with your request to know will be
used for the express purposes of verification and providing you with responsive
information to your request, if required.
Your Right to Request Deletion and How to Submit a Verified Request to
Delete
You have the right to request the deletion of any personal information which we
have collected about you, or which we maintain. To submit a verifiable request
to delete, please click here:
https://ccpa-optout.admediary.com, or email your request to
[email protected]. To process your
request, you may be required to submit your name, address, email address, and
phone number in conjunction with your request. The name, address, email address
and phone number which you provide will be used to verify your request and to
attempt to identify you within our data records. If you elect to use an
authorized agent to exercise your right to submit a request for deletion, we may
require the following before processing the request: 1) provide proof of your
written and signed permission with the authorized agent to act on your behalf;
2) directly verify your own identity with us; and 3) directly confirm with us
that you provided the authorized agent permission to submit the request on your
behalf. The information which you submit in conjunction with your request to
delete will be used for the express purposes of verification and fulfilling your
request, if required.
To the extent that your personal information is necessary for us to maintain for
a reason delineated in Cal. Civ. Code 1798.105(d), including but not limited to
complete a transaction for which the personal information was collected, provide
a good or service you have requested, detect security incidents, protect against
malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply
with a legal obligation, we are not required to comply with your request for
deletion. For instance, we are not required to delete personal information which
is necessary to maintain suppression files for those individuals who have opted
out of receiving email marketing from us. If we are unable to verify your
request, we will notify you as well.
Your Right to Opt-Out of the Sale of Your Personal Information
California affords consumers with the right to opt-out of the sale of their
personal information. To submit a request to opt-out of the sale of your
personal information, you may complete the information requested in our webform
https://ccpa-optout.admediary.com, or you may email us at
[email protected] or call us at
516.362.3623.
To process your request, to opt-out, you may be required to submit your email
address and phone number in conjunction with your request. The email address and
phone number which you provide will be used to verify your request and to
attempt to identify you within our data records. You may exercise your right to
opt-out through an authorized agent. If you elect to use an authorized agent to
exercise your right to opt-out of the sale of your personal information, we may
require the following before processing the request: 1) provide proof of your
written and signed permission with the authorized agent to act on your behalf;
2) directly verify your own identity with us; and 3) directly confirm with us
that you provided the authorized agent permission to submit the request on your
behalf. The information which you submit in conjunction with your opt-out
request will be used for the express purposes of verification and complying with
your opt-out request.
Your Right to Non-Discrimination for the Exercise of Your Privacy Rights
California affords consumers with the right not to receive discriminatory
treatment by a business for the exercise of their privacy rights conferred by
the CCPA. This means that you cannot be denied goods or services; be charged
different prices or rates; be provided with a different level or quality of
goods or services; or have it suggested that you will receive a different price
or rate or different level or quality of goods or services. However, a business
may offer a financial incentive or price or service difference if it is
reasonably related to the value of the consumer's data. A business shall notify
consumers of any financial incentive or price or service difference.
Amendments
We may revise this Privacy Policy from time to time. If we make any material
changes to this Privacy Policy, we will notify of such by posting the updated
Privacy Policy, which shall include an "Updated" and the applicable date to
indicate when the changes become effective.
Unauthorized Changes Liability
In no event shall we be liable for any damages of any kind arising in connection
with: (i) your use of the Site; (ii) the unauthorized modification of your
personal information; or (iii) advertisements provided by us.
Your Acceptance of this Privacy Policy/Modifications
By using the Site including, without limitation, applying for services and/or
continuing to receive information from us, you agree to the terms of our Privacy
Policy. We reserve the right, at our discretion, to change, modify, add and/or
remove portions of this Privacy Policy at any time. If the manner in which we
use personal information changes, we will notify users by: (i) sending the
modified Privacy Policy to our users via email; and/or (ii) by any other
reasonable means acceptable under applicable state and federal law. You will
have a choice as to whether or not we use your information in this different
manner, and we will only use your information in this different manner where you
opt-in to such use.
Contact Us
If you have any questions about this Privacy Policy or the Site itself, please
email us at
[email protected], or send postal mail to Talcum Advisory,
338 Jericho Turnpike - Suite 249, Syosset, NY 11791.
