Privacy Policy

Last Update: November 15, 2013

Paladin Internet Properties, Inc. (Paladin), doing business as Paladin Registry (Registry), Paladin Registry & Research, and Investor Watchdog (Watchdog), is committed to protecting the privacy of investors and financial professionals (collectively Users) who use our tools, information, and services. This Privacy Policy explains the type of information that is collected and how it is used by Paladin. Paladin is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent organization who builds users' trust and confidence in the Internet by promoting the use of fair information practices. Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices and have our privacy practices reviewed for compliance by TRUSTe. If you have questions or concerns regarding this policy, you should first contact Paladin at info@paladinregistry.com. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe. TRUSTe will serve as a liaison with Paladin to resolve your concerns.

1. Confidentiality

Paladin will not disclose any personal information about individual users, except as specified in this Privacy Policy. With the few exceptions that are explained here, we do not give, rent, lend, or sell individual information. We would only disclose personal information in the following instances: (i) with the Users' consent; (ii) we are required to by applicable law, or in response to legal process to protect the rights or property of Paladin, or to protect the safety of Paladin, its Users, and others; and (iii) with certain contractors of Paladin who have entered into confidentiality and non-disclosure agreements with Paladin.

2. Security

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 personal 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 personal 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.

The use of cookies by our partners and service providers is not covered by our privacy statement. We do not have access or control over these cookies.  Our partners and service providers may use session ID cookies to make it easier for you to navigate our site.

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 personal information Users submit while using the tools, services, and information on Paladin sites.

As is true of most Web sites, we use third party tracking-utility partners to gather certain information automatically and store it in log files.  This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. 

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.

5. Advertising

We partner with a third party ad network to either display advertising on our web site or to manage our advertising on other sites.  Our ad network partner uses cookies and web beacons to collect non-personally identifiable information about your activities on this web site and other web sites so we can provide targeted advertising based on your interests.  If you do not wish to have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here.  This does not opt you out of being served all advertising. You will continue to receive generic ads.

6. 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' personal information for any other purpose.

7. 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.

8. 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 (info@paladinregistry.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.

9. 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 info@paladinregistry.com 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.

10. 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.

11. Changes to Users' Personal Information

If Users want to modify, delete, 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.

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at info@ paladinregistry.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

12. 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.

13. 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 personal information from anyone under the age of 18.

14. Re-Targeted Advertising

Re-Targeted advertising uses information collected on an individual's web browsing behavior such as the pages they have visited or the searches they have made. This information is then used to display ads. The information collected is only linked to an anonymous cookie ID (alphanumeric number); it does not include any information that could be linked back to a particular person, such as their name, address or credit card number. The information used for targeted advertising either comes from Paladin Registry, Inc. or through third party website publishers. If you would like to opt out of re-targeted advertising from Paladin Registry, Inc. that occurs when visiting our third party advertising publishers, please click here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

15. General

This Privacy Policy applies to sites that are operated and viewed in the United States of America. Paladin uses its best efforts to protect the privacy of Users; however, Paladin cannot ensure or warrant the security of any information that Users transmit over the Internet, and Users do so at their own risk. Paladin websites incorporate links to Preferred Providers for the convenience of Users. If Users use these links, each site has its own Privacy Policy and data collection practices. Paladin is not responsible or liable for the policies or practices of other sites, and Paladin does not review the policies or practices of other sites.

16. Legal Disputes

This Privacy Policy will be governed by and construed in accordance with the internal laws of the State of California, excluding that body of laws known as choice of law or conflict of laws. Subject to the provisions of this Section, all disputes, controversies or claims arising out of or relating to this Agreement will be resolved through mandatory binding arbitration conducted in Sacramento, California, before JAMS/ENDISPUTE or its successor ("JAMS") pursuant to the United States Arbitration Act, 9 U.S.C. Section 1, et seq. (the "Act"); and (iii) this Agreement. The arbitration will be conducted in accordance with the provisions of JAMS's Streamlined Arbitration Rules and Procedures in effect at the time of filing of the demand for arbitration (the "JAMS Rules"), subject to the provisions of this Section. The terms set forth in this Agreement will control in the event of any inconsistency between such terms and the JAMS Rules. The parties will cooperate with JAMS and with each other in promptly selecting a single arbitrator from JAMS's panel of neutrals. If the parties fail to to select an arbitrator within thirty (30) days following the date of either party's notice of demand to conduct arbitration, then JAMS will appoint an arbitrator in accordance with the JAMS Rules. The award of the arbitrator will be in writing and will set forth findings of fact and conclusions of law. Judgment on the arbitrator's award will be final and binding upon the parties and may be entered in any court having jurisdiction thereof. If for any reason JAMS or its successor no longer is in business, then the arbitration shall be conducted in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitrator's fees will be shared equally by the parties and each party will initially bear its own costs and attorneys' fees, but the prevailing party shall be reimbursed by the other party for all attorney’s fees, witness fees, and arbitration costs. All papers, documents, or evidence, whether written or oral, filed with or presented in connection with the arbitration proceeding will be deemed by the parties and by the arbitrator to be confidential information of both parties. The arbitrator chosen in accordance with these provisions will not have the power to alter, amend or otherwise affect the terms of these arbitration provisions or the provisions of this Agreement. Notwithstanding the foregoing, nothing in this Section shall prevent either party from applying for and obtaining from a court a temporary restraining order and/or other injunctive relief.

17. Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. 

18. Changes to This Privacy Policy

We reserve the right to modify this privacy policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page prior to the change becoming effective.

To contact Paladin about website privacy issues, to report a violation of Paladin's Privacy Policy, or to discuss any other issue, please contact Paladin at info@paladinregistry.com, 916.253.3334, Paladin Internet Properties, Inc., 69 Lincoln Blvd., A-275, Lincoln, CA 95648.