Last Update: May 14, 2013
Paladin is committed to protecting the personal information of Users. We store information provided by Users on our secure servers and information provided to a third-party provider for processing the payment of any applicable User service fees is encrypted using SSL technology.
3. Password Protected
Paladin's internal sites are password protected and available to Users who use Paladin tools, information, and services and advisors who are listed on the Registry website and advertise their services on the Registry website. Users should not share their passwords with anyone. Paladin will never ask Users for their passwords in an unsolicited phone call or email. If Users use a computer which is accessible to others, they should remember to log out and close their browser window when leaving a Paladin website.
4. Information Collection and Use
We take the issue of safeguarding your privacy and confidentiality seriously as a User of our tools, services, and information. We exercise great care to ensure that the personally identifiable information Users may provide to us for the purposes set forth below is kept confidential. Our policy is to collect the minimum amount of information we need to provide tools, information, and services to Users. In addition, we collect IP addresses for our sites' security and to provide us with information regarding the Users of our sites to help us improve the sites' performance and services. We collect the following types of personally identifiable information on our websites: Name, e-mail, and phone number. We use a device known as a "cookie." A cookie is a piece of data stored on the User’s hard drive that contains information about a User. There are two types of cookies: persistent cookies and session cookies. Persistent cookies get written to a file called a "cookie jar" on the User’s hard drive and are retrieved every time a site is accessed. Session cookies are similar to persistent cookies except that the information does not get written to the hard drive and disappears when Users close their browser. We do not link the information we store in cookies to any personally identifiable information that Users submit on our sites. Paladin sites use session cookies. If Users do not accept cookies, they may still use our sites' information, tools, and services; however, some Users will not be able to use the internal, password protected service sections. These sections require a cookie that is set to identify a particular computer to our web servers. This cookie is called a Session ID and consists of a 32-digit sequence of random numbers and letters generated by Paladin web servers each time one of Paladin's sites is called up. This is necessary so Paladin computers can match logged-in Users with their account information. This cookie will be deleted when Users log out or close their browsers. In addition to cookies, Paladin sites may also use tiny electronic images ("single-pixel GIFs" or "Web beacons"), which allow Paladin to count Users who have visited specific pages or accessed certain cookies. Paladin may use single-pixel GIFs in the following ways: (i) to count and recognize Users; (ii) to conduct research on behalf of some partners on their websites and for auditing purposes; (iii) to determine aggregate information about Users, including demographic and usage information. In general, any electronic image viewed as part of a web page, including an ad banner, can act as a web beacon. Paladin does not link the information Paladin stores in cookies to any personally identifiable information Users submit while using the tools, services, and information on Paladin sites.
5. Service Providers
Paladin uses third parties to provide Web Hosting, Web Development, Search Engine Optimization and other services for Paladin websites. When Users submit data to Paladin for processing, Paladin will share User data, as necessary with the designated third parties so they can provide their specific services. These third parties are prohibited from using Users' personally identifiable information for any other purpose.
6. Use of Personal Information
Paladin collects personal information to provide Users with specialized services that contain relevant content. In addition, Paladin conducts research on investor and advisor demographics, interests, and behavior based on information that is voluntarily provided to Paladin. This information is compiled and analyzed on a generalized basis and is not User specific. Paladin does not share, sell, trade, or rent Users' personal information to third parties for unknown reasons.
7. Direct Mailings/Service-Related Announcements
Paladin sends Users strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if Paladin's service is temporarily suspended for maintenance, Paladin may send Users an email. Generally, Users may not opt-out of these communications, which are usually not promotional in nature. If Users do not wish to receive them, Users have the option of deactivating their accounts. To deactivate a User account, Users must notify Paladin via email (email@example.com) or by phone at 916.253.3334. Paladin may also use User email addresses to send Users free special research reports, newsletters, and surveys that provide current information about financial professionals and related commentary. There is an opt-out function on each of the reports and newsletters.
8. Tell a Friend, Family Member or Associate
If Users choose to tell a friend about Paladin's sites, we will ask Users for the User's friend’s name and email address. We will automatically send a User's friend a one-time email inviting him or her to visit the site. Paladin stores this information for the purpose of sending this one-time email and free, informative newsletters, and research reports. A User's friend may contact us at firstname.lastname@example.org to request that Paladin remove User's contact information from Paladin's database or use the opt-out function on the newsletter or research report.
9. Online Reports
Financial Advisor Users who are listed on Paladin's Registry website may provide disclosures for their credentials, ethics, and business practices so investor Users have online access to the information. Advisors can opt out of Paladin services at anytime by notifying Paladin. Paladin maintains a record of the data that was provided by advisors in the event the advisors want to be reactivated on a Paladin website.
10. Changes to Users' Personal Information
If Users want to modify or update personal information, Users should login to one of Paladin's internal websites and click on the function that enables them to make these changes. Users are able to change User IDs (email addresses), update passwords, select optional programs, and update personal reports.
11. Referral of Advisors
Paladin may provide the names, email addresses and telephone numbers of advisors who seek admittance to the Registry or want to advertise their services on a Paladin website to an affiliated company that produces referrals for financial advisors.
12. Minor’s Privacy
Paladin sites are not intended for use by minors under the age of 18. The site is operated in compliance with the Children’s Online Privacy Act and will not knowingly collect or use personally identifiable information from anyone under the age of 18.
14. Legal Disputes