Privacy Statement

Revised and posted as of: January 4, 2009

JoanLappin.com is committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of the JoanLappin.com website. The Forbes.com website is owned and operated by Joan Lappin.

If you have any questions regarding our privacy statement, please first contact us by e-mail at privacy@joanlappin.com.

Summary

Our primary goal in collecting user information is to enhance your experience on our website. We use aggregated (gathered up data across all user accounts) information to develop content targeted to users' interests and to better the website user experience. JoanLappin.com is committed to your privacy and other than as provided herein or after receiving your specific consent, JoanLappin.com will not share any personal information with any third party at any time, unless required by law.

What this Privacy Policy Covers

This privacy policy covers the website JoanLappin.com. Other sites linked to from this website have their own privacy statements which can be viewed on those sites.

Please be aware that JoanLappin.com sponsors, advertisers and partners or affiliates with co-branded modules or sections on JoanLappin.com may collect personally identifiable information about you while on our website. The information practices of those parties are not covered by this privacy statement. We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies only to information collected by this website.

JoanLappin.com users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others. We are not responsible for the personally identifiable information you choose to submit in these forums.

Gathering of Information

Voluntary Submission

JoanLappin.com does not collect personally identifying information about any individual JoanLappin.com website user except when knowingly provided by such individual. For example, we may ask you for information, such as your e-mail address or full name, when you register to become a member of JoanLappin.com. In the event you order something from JoanLappin.com, we may request additional personal information, such as your address, telephone number and credit card information, in order to complete the purchase. We also supplement the data you provide to us with data from data append services. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most of the JoanLappin.com website, but you may be unable to access certain options and services. When you register or become a member of JoanLappin.com or provide information to JoanLappin.com in any other manner, you agree to provide only true, accurate, current and complete information.

Cookies

A cookie is a small data file that is written to your computer's hard drive by your web browser. A cookie file can contain information, such as a user identification code, that a website will use to track the pages and number of times you have visited. JoanLappin.com uses cookies to track web and advertising analytics throughout JoanLappin.com and its affiliate websites and to remember your custom preferences and membership status so that you don't have to login each time you visit the website. The data read from these cookies may be linked to personally identifying (PII) and non-personally identifying (non-PII) information.

Business partners of JoanLappin.com, vendors providing hosting and other services for JoanLappin.com, third party analytics providers, as well as advertisers who contract directly with a third-party service to serve their advertisements on our website may set their own unique cookies through your browser. We do not have access to these cookies or any information that they may contain. If you would like more information about this practice and about your option not to accept cookies placed by these companies, please click here.

Most web browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, choose to accept cookies only from certain websites or to refuse all cookies. However, if you choose to disable the receipt of cookies from our website, you may not be able to use certain features of the site. To learn more about the use of cookies in online advertising including how to manage or delete them click here.

Web Beacons

We may use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our sites in order to recognize users, assess traffic patterns, identify preferred content and measure site engagement. We also include web beacons in our e-mail messages, including newsletters, in order to count how many e-mail messages have been opened.

JoanLappin.com also uses a reputable third party to collect information, including through the use of web beacons, browser cookies and other tracking technologies. This data is collected in the aggregate, but may include or be associated with other non-PII or PII that users have voluntarily submitted.

Log Files

JoanLappin.com servers log information about a site user's IP address, browser type and the current URL the user is requesting. This information is always provided by each and every user's browser. These log files are stored in a secure location and used --in an aggregated, anonymous manner--in our internal analysis of traffic patterns within our website. This information is automatically logged by most websites.

Use of Information

Our primary goal in collecting user information is to enhance your experience on our website.

To Target Content and Advertising

To develop and provide content and advertising to you that is targeted to your interests, we use the analytics collected by the systems described above to determine which areas of our website you prefer based upon the frequency of your visits and engagement with those areas. We may also make reasonable geographic and demographic assumptions based on your presented IP address to target relevant content and advertising.

To Provide Interactive Communications From JoanLappin.com

To enhance your experience we may provide you with interactive communications, such as our electronic newsletters, to the e-mail address that you provide to us. Such interactive communications are provided only to those users who have expressly provided us with their permission to receive them as part of their user profile.

From time to time we may provide e-mails highlighting new features, promotions or contests on the website to those users who have expressly provided us with their permission to send such communications as part of their user profile.

To Provide Communications From Third Parties

We respect the privacy of our users and shall not disclose or distribute our user list to any third party, nor shall we permit anyone else to do so. However, we do make available for rental our list of those registrants who have expressly provided us with their permission to receive third party offers as part of their user profile. In those cases, your e-mail address will be transferred to the third party.

Control of Your Information

Registered users may change the information stored in their member profile such as e-mail address, zip code, country, title and industry, and they may elect to stop receiving newsletters or marketing material from Forbes.com or on behalf of external third party business partners. Users may choose to stop receiving such communications at any time by visiting their member profile page, or by following instructions at the end of any such e-mail received.

Sharing of Information

When you are on an area of JoanLappin.com and are asked for personal information, you are sharing that information with JoanLappin.com as well as business partners and vendors providing hosting and other services for JoanLappin.com.

We use third parties to provide credit card processing, e-mail service providers and hosting services on our site. When you sign up for such services, we will share your personally identifiable information as necessary for the third party to provide that service. These third parties are prohibited from using your personally identifiable information for any other purpose. If you do not want your information to be shared, you can choose not to allow the transfer of your information by not using that particular service.

In addition, if you provide any personally identifiable information via an advertiser promotion, please be aware you are directly providing your personally identifiable information to that advertiser.

From time-to-time we may provide you the opportunity to participate in contests or surveys on our site. If you participate, we will request certain personally identifiable information from you, such as your name and e-mail. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. We use this personally identifiable information to notify contest winners and award prizes.

We may use a third party service provider to conduct these surveys or contests; that company will be prohibited from using our users’ personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a contest or survey with other third parties unless we give you prior notice and choice.

We also have features that allow you to send an e-mail to yourself and/or others about an item on our site. If you choose to use our e-mail referral service, you will be required to provide the e-mail address or addresses that will be used in the notification. Upon form submission an e-mail will be generated to your recipient(s) inviting them to visit the URL you have recommended. We do not store this information other than for the sole purpose of sending this one-time e-mail.

As Necessary to Provide Services to You

We occasionally hire other companies to provide limited services on our behalf, such as handling the processing and delivery of newsletter mailings, processing transactions, or performing statistical analysis of our services. We will only provide those companies the information they need to deliver the service. In some instances these companies may collect information directly from you (such as for credit card processing for the purchase of investment newsletters). In these cases, you will be notified of the involvement of the external service provider. In all cases, these companies are subject to agreements that require them to maintain the confidentiality of your information and they are prohibited from using that information for any other purpose.

In The Event of Sale or Bankruptcy

The ownership of JoanLappin.com may change at some point in the future. Should that occur, we want this site to be able to maintain a relationship with you. In the event of a sale, merger, public offering, bankruptcy or other change in control of JoanLappin.com your information may be shared with the person or business that owns or controls this site. Opting out of receiving information from third parties will not affect our right to transfer your information to a new owner, but your choices will continue to be respected regarding the use of your information. You will be notified as described below in “How will I know if the Privacy Policy is changed.”

As Required By Law

JoanLappin.com may disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to conform to the edicts of the law or comply with a judicial proceeding, court order or legal process served on JoanLappin.com or to protect and defend the rights or property of JoanLappin.com.

Security

Your information is stored on JoanLappin.com's servers located in the United States. We use industry standard procedural and technical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption, "firewalls" and the Secure Sockets Layer (SSL). We treat data as an asset that must be protected against loss and unauthorized access. We employ many different security techniques to protect such data from unauthorized access by users inside and outside the company. However, "perfect security" does not exist on the Internet.

Privacy of Children

Kids under 13: Do not send any information about yourself to us--including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.

How to Contact Us

If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at privacy@joanlappin.com. We read every message submitted and try to reply promptly to every one. Our mailing address is ???.

How Will I Know if the Privacy Policy Is Changed?

This statement may change from time to time, so please check back periodically. Any material changes to our privacy policy will be posted to this statement, the JoanLappin.com home page, and other places we deem appropriate.