Effective date: July 24, 2019
Thomas J. Anderson, and/or John C Wiley and/or their subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners ("us", "we", or "our") operates the www.moneywithoutboundaries.com website (hereinafter referred to as the "Service").
Service: Service is the www.moneywithoutboundaries.com website
Personal Data: Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data: Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies: Cookies are small files stored on your device (computer or mobile device).
Data Processors (or Service Providers): Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers in order to process your data more effectively.
Data Subject (or User): Data Subject is any living individual who is using our Service and is the subject of Personal Data.
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:·
First name and last name
Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.
We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
We may use and store information about your location if you give us permission to do so ("Location Data"). We use this data to provide features of our Service, to improve and customise our Service.You can enable or disable location services when you use our Service at any time by way of your device settings.
Tracking Cookies Data
Examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Use of Data
We use the collected data for various purposes:
· To provide and maintain our Service
· To notify you about changes to our Service
· To allow you to participate in interactive features of our Service when you choose to do so
· To provide customer support
· To gather analysis or valuable information so that we can improve our Service
· To monitor the usage of our Service
· To detect, prevent and address technical issues
· To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information
Legal Basis for Processing Personal Data under the General Data Protection Regulation (GDPR)
· We need to perform a contract with you
· You have given us permission to do so
· The processing is in our legitimate interests and it is not overridden by your rights
· For payment processing purposes
· To comply with the law
Retention of Data
We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.
Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.
Disclosure of Data
Disclosure for Law Enforcement
Under certain circumstances, we may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
We may disclose your Personal Data in the good faith belief that such action is necessary to:
· To comply with a legal obligation
· To protect and defend our rights or property
· To prevent or investigate possible wrongdoing in connection with the Service
· To protect the personal safety of users of the Service or the public
· To protect against legal liability
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Our Policy on "Do Not Track" Signals under the California Online Protection Act (CalOPPA)
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
Your Data Protection Rights under the General Data Protection Regulation (GDPR)
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. We aim to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data. If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights:
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Links to Other Sites
Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
Limit of Liability/Disclaimer of Warranty:
While the publisher and author have used their best efforts in preparing this book and website, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor author shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.
For general information on our other products and services or for technical support, please contact our Customer Care Department within the United States at (800) 762-2974, outside the United States at (317) 572-3993, or fax (317) 572-4002.
Wiley publishes in a variety of print and electronic formats and by print-on-demand. Some material included with standard print versions of this book may not be included in e-books or in print-on-demand. If this book refers to media such as a CD or DVD that is not included in the version you purchased, you may download this material at http://booksupport.wiley.com. For more information about Wiley products, visit www.wiley.com.
Product name, logo, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders. Information obtained via this website is for educational and informational purposes only. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
IMPORTANT – NO REPRESENTATIONS OR WARRANTIES
We make no representations or warranties as to the accuracy and timeliness of the material and assume no responsibility for the consequences of its use. Your use of this information and this site is at your own risk. Products and services are provided “as is”. To the maximum extent permitted by applicable law, the service is provided without warranties of any kind, whether express or implied. No communication of any type obtained by you from us will create any warranty not expressly stated herein. Without limiting the foregoing, we do not warrant that the content or links to third party content is accurate, reliable or correct; that the service will meet your requirements; that a user will respond, that any defects or errors will be corrected. You will be solely responsible for any damage or loss that results from your use of the service or products on this site.
CHANGES AND MODIFICATIONS
ELIGIBILITY: USERS & USES
Users may only use the site in a way which complies with local, state, federal, international laws as well as all securities, banking, and any other laws, rules and regulations to which you, your affiliates, employees, agents or others acting on your behalf may be subject in any jurisdiction, by any entity, whatsoever. Neither MWOB nor its affiliates, officers, directors, employees, agents or representatives shall be liable for any ineligible use of the Platform. All access and use of the Website and its contents and your use of the Services is at your own risk.
We do not knowingly solicit from, and the Services are not intended for, children under 18, and children under 18 should not provide personal information online. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with information without their consent, he or she should contact us. We will delete such information from our files.
THIRD PARTY OFFERINGS
The Website (i) contains (or you may be sent through the Website or the Services) links to other websites (“Third Party Sites”), (ii) contains articles, photographs, text, graphics, pictures, designs, music, sound, video, information, ideas, software and other content belonging to or originating from third parties (“Third Party Content”) and (iii) may provide access to financial products and other services offered by third parties (“Third Party Services” and collectively with Third Party Sites and Third Party Content, “Third Party Offerings”). Such Third Party Offerings are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Offerings accessed through the Website or posted on the Website, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Offerings. Inclusion of or linking to any Third Party Offerings does not imply approval or endorsement thereof by us. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
Users may be able to post comments, pictures and other content on the Website (“User-Posted Content”). We are not responsible for the accuracy, offensiveness, opinions or reliability of User-Posted Content and hereby disclaims any liability of any nature with respect to the User-Posted Content. We reserve the right to modify or delete any User-Posted Content in its sole discretion; provided, that we have no obligation to monitor or otherwise exercise editorial control with respect to User-Posted Content and shall have no liability for its failure to do so in any event.
USER ONLINE CONDUCT
You agree to comply with all applicable laws and regulations in your use of the Website. In addition, you agree to the following:
· to use this Website only for its intended purposes.
· to not disrupt this Website.
· to not interfere with or compromise the security of this Website, or any computer, server, account, network, data, software and/or hardware associated with this Website.
· to not disrupt or interfere with any other visitor’s use of this Website.
· to not attempt to obtain access to any portion of this Website, any computer, server, account, network, software and/or hardware associated with the Website, from which you are restricted.
· that you are solely responsible for any actions you undertake while visiting this Website and that you will comply with all applicable local, state, national and international laws and regulations applicable to this Website and the Internet, including United States copyright and export regulations.
· not to impersonate any person, or falsely state or otherwise misrepresent yourself and that all information you provide to gain access to the Services provided by this Website is accurate and truthful.
· to not upload, post or otherwise distribute on this Website any unlawful, threatening, obscene, pornographic, intimidating, libelous, defamatory or slanderous comments, jokes, images or content that are intended to or are likely to offend a reasonable person on the basis of his or her age, physical or mental disability, gender, race, religion, national origin, physical attributes, sexual preference, or any other classification that could produce any civil or criminal liability for either yourself or for MWOB, its affiliates, employees, agents or any such similarly situated persons or entities.
WHAT INFORMATION WE COLLECT
We collect personal information about you that you provide while using our Services, including the registration process and usage of our online platform. For example, we may collect the following personal information:
· your name, email address, mailing address, telephone number(s), account numbers,
· your user name and password
· social security number, driver’s license
· other information provided by you such as your date of birth or household income
· account and transaction information
· unique identifiers for your mobile device, device settings, information about your location and analytical information about how you use your mobile device
INFORMATION WE RECEIVE FROM THIRD PARTIES
We may receive information about you from third parties and Third Party Sites. You should always review and, if necessary, adjust your privacy settings on Third Party Sites and services before linking them to our Website. You may also unlink your third-party account from our Website by adjusting your settings on the Third-Party Site.
HOW WE COLLECT INFORMATION
We collect information about you from:
· your registration
· Third-Party Sites
· your mobile device
· your internet service provider
WHY WE COLLECT INFORMATION
· verifying your identity and authenticating you;
· protecting against fraud or security threats, and otherwise managing risks;
· responding to your requests and communicating with you about the Services;
· communicating with you regarding Services that may be of interest;
· evaluating and improving our Services;
· tailoring our Services and otherwise enhancing the customer experience;
· on an aggregate or anonymous basis use for various business purposes where permitted under applicable law;
· satisfying legal or regulatory requirements or law enforcement requests; and as permitted by applicable law.
WHAT INFORMATION WE MAY SHARE WITH THIRD PARTIES
You may be required to register and create an account to access certain parts of the Website and use the Services. When you create an account, you will be required to pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately.
REGISTRATION DATA; ACCOUNT SECURITY
You agree to (i) maintain the security of your user name and password, (ii) maintain and promptly update any information you provide to us and to keep it accurate, current and complete, and (iii) be fully responsible for all use of your account and for any actions that take place using your account. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to terminate all future use of the Website. You agree to promptly notify us regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Website and be fully responsible for all use of your account and for any actions that take place using your account.
RESTRICTIONS ON USE
You agree to abide by all applicable laws and regulations in your use of the Website and the Services. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on our Website. You agree that you will not register for an account on behalf of an individual other than yourself or impersonate any other person or entity, or falsely state or otherwise misrepresent your identity, age, or your affiliation with any person or entity. You further agree that you will not use or attempt to use another individual’s account without our authorization.
PROPRIETARY RIGHTS; COPYRIGHTS
BOOK RELATED COPYRIGHT INFORMATION
Copyright © 2019 by Thomas J. Anderson/John Wiley & Sons, Inc. All rights reserved.
Published by John Wiley & Sons, Inc., Hoboken, New Jersey.
Published simultaneously in Canada.
No part of Money Without Boundaries may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, Inc., 222 Rosewood Drive, Danvers, MA 01923, (978) 750-8400, fax (978) 646-8600, or on the Web at www.copyright.com/. Requests to the Publisher for permission should be addressed to the Permissions Department, John Wiley & Sons, Inc., 111 River Street, Hoboken, NJ 07030, (201) 748-6011, fax (201) 748-6008, or online at http://www.wiley.com/go/permissions.
Library of Congress Cataloging-in-Publication Data:
ISBN 9781119564065 (Hardcover)
ISBN 9781119564041 (ePDF)
ISBN 9781119564058 (ePub)
In addition to our trademarks or service marks, other company, product, and service names and logos used and displayed on this Website may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website unless in accordance with written authorization by us. The use of any Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. Any questions concerning any Trademarks, or whether any mark or logo is a Trademark, should be referred to us.
NO WARRANTIES; DISCLAIMERS
LIMITATION ON LIABILITY
You agree that all access and use of the Website and its contents and your use of the Services is at your own risk. Neither MWOB, nor any third party involved in creating, producing or delivering the Website and/or Services, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Website and/or Services, or any aspect thereof.
This Website is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security, loan, or investment or banking product or services in any jurisdiction. The content of this Website is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. MWOB does not intend the information on this Website to be investment advice, and the information presented on this website should not be relied upon to make an investment decision.
To help provide our Services, enhance your experience and collect information about mobile activity, we may place small data files on your computer or mobile device. These data files may be in the form of cookies, pixel tags, local shared objects or other similar technologies. Cookies and similar technologies enable us to personalize our application and Services for you. These technologies may allow us to store and manage your preferences and settings, measure and analyze how you use our Website and the effectiveness of our communications, offer services and help us improve our services and security.
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online Services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online Services.
Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our Website and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online Services. These are principally used to help recognize users, assess traffic patterns and measure Website or campaign engagement.
Local shared objects, sometimes referred to as “flash cookies,” may be stored on your hard drive using a media player or other software installed on your device. Local shared objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way. For more information on managing local shared objects, click here: https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Most browsers provide you with the ability to block, delete or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your mobile device help pages for assistance with changing your settings.
Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever you visit our Website, along with the time of the visit and the page(s) that were visited. We use IP Addresses for purposes such as calculating Website usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Website.
If you believe that any material on the Website infringes upon any copyright that you own or control, you may contact us. In your notification, please:
confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
· identify the copyrighted work or works you claim have been infringed;
· identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed (please include information reasonably sufficient to permit us to locate the material);
· provide your contact details, including an email address; and
· provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
“DO NOT TRACK” SIGNALS
We do not respond to “do not track” signals from your browser at this time. To learn more about how “do not track” works, please visit http://allaboutdnt.com/.
We use security controls to protect against unauthorized use, access, modification, destruction, disclosure, loss or theft of your personal information in our custody or control. Please note, the information you send electronically may not be secure when transmitted to us. We recommend that you use only secure channels to transmit sensitive or confidential information to us.
You acknowledge and agree that any reviews, questions, comments, suggestions, ideas, feedback or other information about the Website (“Submissions”), provided by you in any format, via the Service or otherwise, are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
HOW YOU CAN CONTACT US
© 2019 Thomas J. Anderson. All rights reserved. Reproduction and distribution of material contained within this Website is prohibited unless prior, written permission has been obtained.