Privacy Policy
Our Commitment to You
LeafHouse Financial Services, LLC d/b/a investGrade™ (“investGrade™”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as part of our services, as described here in our Privacy Policy (“Privacy Policy”).
Our relationship with you is our most important asset. We understand that you may entrust us with your private information, and we do everything that we can to maintain that trust. investGrade™ (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you.
What does this Policy cover?
This Privacy Policy applies to https://investgrade.com (“Website”). This Privacy Policy does not apply to websites, applications or other services that provide their own separate privacy statements or policies. Our Website may contain links to other sites but investGrade™ is not responsible for the privacy policies and/or practices of these other sites. Visitors to and users of our Website and participants in our platform are referred to individually as “User” and collectively as “Users.”
Any capitalized terms used herein without definition shall have the meaning given to them in our Terms of Service which can be found at https://www.investgrade.com/termsofservice. By visiting or using our Website, you expressly consent to the information handling practices described in this Privacy Policy.
This Privacy Policy covers what information we gather when you are accessing or using our Website, how we use that information and how we protect it. Your use of our Website and information you provide on our Website is subject to the terms of this Privacy Policy and our Terms of Service.
Children’s Policy
Our services are not directed at children under the age of 13 and we do not knowingly collect or maintain information from anyone under the age of 13. If you are under the age of 13, please do not use or access our Website. In the event that we learn that we have collected personal information from a child under the age of 13, we will delete that information as quickly as possible. If you have more questions about this policy or believe we have obtained information from a child under the age of 13, please email us at service@investgrade.com.
The investGrade™ application is intended for users above the age of 18.
Collection and Use of Information
We gather various types of information from our users and visitors to our site, as explained more fully below. Some of this information is provided directly by you and other information may be gathered by observing how you interact with our Website and Services. We use this information to personalize and improve our services, to allow our users to set up a user account and profile, to contact users, to fulfill your requests for certain products and services, to analyze how users utilize our Website, and as otherwise set forth in this Privacy Policy.
Information You Provide
We receive and store any information provided directly by you. For example, we collect personal information such as name, email address, phone number, physical address, zip code, location, investment activity, date of birth, account information (including other institutions), and details of transactions including a credit card number, when provided to us through our Website or when you email our support team directly. We may also receive your information from other sources which includes custody, brokerage, and advisory agreements, other advisory agreement and legal documents, transaction information with us or others, account applications and forms, and other information needed to aggregate data.
While you can choose not to provide certain information to us, please know that this may result in our being unable to register you or you may be unable to take advantage of some of our features and services.
We may display a user profile which includes certain of your personal information and information about your business if provided.
To remove or update any personal information, please log into your account settings and remove or modify your personal information in the appropriate fields.
Information Collected Automatically from You
Whenever you interact with our Website, we may automatically receive and record certain information. This information may include server logs from your browser including your IP address, browser type, internet service provider, referring/exit pages, operating system, date/time stamp, “cookie” information, and the page you requested.
Technologies such as cookies, beacons, tags and scripts are used by us and our partners, affiliates, analytics or service providers. These technologies are used in analyzing trends, administering our Website, tracking users’ movements around our Website and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. “Cookies” are small text files stored on a user’s computer or mobile device that allow us to recognize your browser or mobile device and tell us how and when pages on our Website are visited and by how many people. You may be able to change the preferences on your browser or mobile device to prevent or limit your computer or device’s acceptance of cookies, but this may limit you from taking advantage of some of our Website’s features.
Also, if you click on a link to a third-party website, such third party, for example marketing partners or analytics service providers, may also transmit cookies to you. This Privacy Policy does not cover the use of cookies by any third parties. These cookies are used to analyze trends and remarket/retarget advertisements to non-converted visitors. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We may employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.
We may use Local Storage Objects (“LSOs”) such as HTML5 to store content information and preferences. Various browsers may offer their own management tools for removing HTML5 LSOs.
When we collect usage information (such as the numbers and frequency of visitors to the Website, the length of stay on the Website, the types of pages visited and other general information), we only use this data in aggregate form, and not in a manner that would identify you personally. For example, this aggregate data tells us how often users use parts of the Website, so that we can make the Website appealing to as many users as possible. We may also provide this aggregate anonymous information to our partners; our partners may use such information to understand how often and in what ways people use our Website, so that they, too, can provide you with an optimal experience.
When you download and use our Services, we may automatically collect information on the type of device you use, operating system version, and the device identifier (or “UDID”). We do not ask for, access or track any location based information from your mobile device at any time while downloading or using our Services.
Blogs, Forums and Testimonials
Our Website may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your information from our blog or community forum, please contact us at service@investgrade.com. In some cases, we may not be able to remove personal information, in which case we will let you know if we are unable to do so and why.
We may display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at service@investgrade.com.
Anytime you post on our blog please be aware that you are posting to a third party application and we have no access or control over this information. To request removal of your personal information from our blog, you can either directly log into the third party application and remove your comment or you can contact the appropriate third party application. Your interaction with these sites or applications is governed by the privacy policy of the company providing the site or application.
Social Media and Widgets
Our Website may include social media features, such as the Facebook button and widgets, such as the Share button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our Website, 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 Website. Your interactions with these features are governed by the privacy policy of the company providing it.
Will investGrade™ Share My Personal Information?
We neither rent, sell nor share your personal information with anyone other than as set forth in this Privacy Policy.
In certain situations, businesses or third parties we are affiliated with may provide services to you through our Website (either alone or jointly with us). You can recognize when an affiliated business is associated with such a service, and we will share your Personal Information with that affiliated business only to the extent that it is related to such service.
We employ third parties (other companies and people) to perform certain tasks on our behalf. These may include use of a payment processor or hosting provider. This may require that we share your information with them in order for us to provide products or services you request. Unless we tell you differently, our agents do not have any right to use the personal information we share with them beyond what is necessary to assist us.
We may access, read, preserve, and disclose any information that we reasonably believe is necessary to comply with applicable law or court order; to enforce our rights or conditions of use and other agreements; or to protect the rights, property, or safety of investGrade™, our employees, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.
Business Transfers
We may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that is transferred. Also, if we (or substantially all of our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, personal information would be one of the assets transferred to or acquired by a third party. You will be notified via email and/or a prominent notice on our Website of any change in ownership or use of your personal information, as well as any choices you may have regarding your personal information.
Is my Personal Information Secure?
To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. We require third parties that assist in providing our Services to you to protect the personal information they receive from us. Our associates are trained on their responsibilities to protect personal information. While we endeavor to protect the privacy of your personal information we hold, no method of transmission over the Internet can guarantee complete security. As a result, we cannot guarantee its absolute security despite using commercially acceptable means to protection your personal information.
Your account is protected by a password for your privacy and security. You are responsible for keeping this information secure in order to prevent unauthorized access to your account and Personal Information. When you provide a credit card number, we encrypt the transmission of that information using SSL.
What Personal Information Can I Access?
Through your account settings, you may access, and, in some cases, edit or delete the following information:
· name and password;
· email address;
· payment information;
· location;
· user profile information; and
· user preferences.
The information you can view, update, and delete may change as the Website changes. If you have any questions about viewing or updating your information, please contact us at service@investgrade.com. We will respond to your request to access personal information on file with us within a reasonable period of time not greater than 30 days. Please note that you will also be required to authenticate your identity in order to obtain access to any personal information.
What Choices Do I Have?
You can always choose not to disclose personal information to us, but keep in mind some information may be needed to register with us or to take advantage of some of our special features.
You may be able to add, update, or delete information as explained in the Information You Provide section above.
You may request deletion of your account by contacting us at service@investgrade.com. Please note that some information may remain in our systems after you request deletion of the information from your account. We will retain your information for as long as your account is active or as needed to provide services. We will also retain and use personal information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
You may request details of your Personal Information, and where necessary, have it corrected. We reserve the right to charge a reasonable fee to cover our administrative costs for providing you with access to your personal data. For more details, please contact us at service@investgrade.com.
For Users of our Website from the European Union
Your rights regarding your personal information
The European Union’s General Data Protection Regulation and other data protection laws grant you certain rights in relation to your personal information. Where applicable to you, you can:
· request access to your personal information and how we process it
· request correction of the personal information that we hold about you
· ask us to delete your personal information
· object to us processing your personal information
· request the restriction of processing of your personal information
· request the transfer of your personal information to you or to a third party
· withdraw consent at any time where we are relying on consent to process your personal information.
Note that withdrawing your consent to our processing of your information will not affect the lawfulness of any processing carried out before you withdraw your consent. You should also be aware that if you do withdraw your consent, we may not be able to provide certain services to you. Where this is the case, we will let you know at the time you withdraw your consent. Please note that even after you have withdrawn your consent we may be able to continue to process your personal information to the extent required or otherwise permitted by law, in particular in connection with exercising and defending our legal rights or meeting our legal and regulatory obligations.
Please also note that in some cases, as we have previously noted within this Privacy Policy, you are able to access, correct and update your personal information directly. Should you need additional assistance, please contact us at service@investgrade.com.
Changes to This Privacy Policy
We may amend or update this Privacy Policy from time to time and any such changes or updates will be posted to this Privacy Policy, our Website or other place we deem appropriate so that you are informed as to what information we collect, how we use that information, and under what circumstances we may share that information. If we make material changes in the way we use Personal Information, we will notify you by posting an announcement on our Website or sending you an email prior to the change becoming effective.