Privacy Policy and Terms of Use
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Terms of use
Last update: October 11,2024
These Terms of Use ("Terms") bind your use of the Wisdom International FIN Capital Site. Continuing to visit or use the Wisdom International FIN Capital website means that you agree to be bound by these terms. Wisdom International FIN Capital These terms may be updated at any time. It is recommended that you carefully review these terms before using the Wisdom International FIN Capital site and every time you return, as they can change.
scope
These clauses contain a pre-dispute arbitration clause that requires you and Wisdom International FIN Capital to agree to resolve any dispute through personal arbitration, and we both waive our right to sue in court, including class action or representative action. Refer to Section 20, the Pre-Dispute Arbitration Provisions, for more information.
If you are a customer of Wisdom International FIN Capital Investments, or if Wisdom International FIN Capital Workplace Services LLC provides employee benefits related services to your employer or program sponsor, your relationship with Wisdom International FIN Capital is also subject to your account agreement and related documents. If there is any conflict between these terms and your Account Agreement, your Account Agreement shall prevail. More information on Wisdom International FIN Capital Investments products, services, and potential conflicts of interest can be viewed by clicking on the "Disclosure" link at the bottom of the Wisdom International FIN Capital Web site.
Wisdom International FIN Capital Some parts of the website may contain separate terms and conditions that add to these terms. You should read these additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by these additional terms and conditions. In case of a conflict, these additional terms and conditions will bind your use of these sections or pages. Before you are allowed to access or use certain features or features within the Wisdom International FIN Capital website, you may be required to sign a supplementary agreement (each agreement is called a "supplementary Agreement"). For the supplementary agreement provided to you online, you authorize Wisdom International FIN Capital to rely on the "tick" or "click" of the specified location as your electronic signature and your consent to the terms of such supplementary agreement. These terms are additions to any supplemental agreement and are not intended to supersede or modify any such supplemental agreement.
Notice for non-US users
Wisdom International FIN Capital The website is for reference and use by American citizens only. Wisdom International FIN Capital Nothing on the Website shall be deemed to be an invitation to purchase or sell securities or digital assets or any other products or services from any jurisdiction (such offer, solicitation, purchase, sale, or other products or services are illegal under the law of that jurisdiction).
Each time you visit the Wisdom International FIN Capital Website for any purpose, you are deemed to declare, warrant and undertake to Wisdom International FIN Capital that you (a) are not a national or resident of any country or associated with any, or represent any, or owned or control of any person or entity on any such list.
If you are non-American, you should visit the Wisdom International FIN Capital International (Wisdom International FIN Capital International) website, and you will be directed to the appropriate overseas sites that contain affiliated and non-affiliated non-American entities offering products and services designed specifically for overseas investors.
Limitations of the information provided
Wisdom International FIN Capital The site is not intended to provide legal, tax, or insurance advice. In general, the information contained in the Wisdom International FIN Capital website does not refer to the personal situation of any particular user.
Prices and other information generated through the use of data or services provided on the Wisdom International FIN Capital website may not reflect the actual price or value on the market at the time of offering or when you want to buy or sell specific securities or other investments (including digital assets). Furthermore, a credit rating is an opinion statement, not a factual statement. No reference, rating or observation of a particular investment or securities on the investments involved in this Information constitutes a recommendation for the purchase, sale or holding of such investment or securities or other assets, concerns the suitability of the investment or securities or other assets for any particular investor and shall not be considered an investment recommendation.
Prior to investing, you should consider whether any investment, investment strategy, securities, other assets or related transaction is suitable for you based on your personal investment objectives, financial position and risk tolerance. We also encourage you to consult with your legal, tax, or insurance professionals regarding your specific circumstances.
Real-time chat
On some pages of the Wisdom International FIN Capital site, you can communicate with Wisdom International FIN Capital representatives through the live chat feature. All chat interactions may be recorded, subject to record keeping and monitored, and may be shared with service providers providing the technology and services used in the chat function, or for other business purposes.
Information privacy
When using the Wisdom International FIN Capital website, you may be asked to provide us with certain information, such as product and service categories, account information, contact information, or other personal information to use certain features and / or subscribe to Wisdom International FIN Capital products or services.
All such information and all other information you collect while using Wisdom International FIN Capital website may be accessed by Wisdom International FIN Capital personnel and may be retained and may be used and shared in accordance with Wisdom International FIN Capitals Privacy Policy, which you can access at any time, by clicking on the "Privacy" link in each page footer of the Wisdom International FIN Capital website.
In addition, we and / or our service providers may monitor and record your use of the Wisdom International FIN Capital website for business purposes.
Copyright and DMCA Copyright Agent information
The Wisdom International FIN Capital website (including the content presented on the Wisdom International FIN Capital website) is protected by the applicable copyright law. Therefore, you may not copy, distribute, distribute, modify, publish or embed the Wisdom International FIN Capital site, including any text, graphics, video, audio, software code, user interface design or logo without our express permission.
If you believe that your work is copied and constitutes a copyright infringement, please provide Wisdom International FIN Capital with the following information:
A description of a copyrighted work that you claim to be infringed, or, if a single notice involves multiple copyrighted works, provide a representative list of such works.
Identification of the alleged infringing material, and a description of the location on the Wisdom International FIN Capital website.
Your address, phone number, and email address.
You declare that you believe in good faith that the use of the disputed materials in the manner complained of is not authorized by the copyright owner, by its agent, or by law.
A statement you made under the perjury penalty rule states that the information you provided in the notice is accurate and that you are the owner of the alleged infringing copyright or that you are authorized to act on behalf of the copyright owner.
Your physical or electronic signature as an authorized representative of the owner or owner of the alleged copyright infringement.
trademark
Wisdom International FIN Capital All trademarks and service marks on the website are Wisdom International FIN Capital Services Group, Inc or its affiliates with the exception of third party trademarks and service marks which are the property of their respective owners, as described below.
Third party content
Wisdom International FIN Capital The website includes general news and information, reviews, interactive tools, quotes, research reports, data, and other materials, including ratings, covering financial markets, securities, digital assets, and other topics. Part of the content is provided by companies not affiliated with any Wisdom International FIN Capital entity ("Third Party Content"). Third party content is protected by U. S. laws and international treaties, and is owned or authorized by the provider of such third party content, its affiliates or suppliers ("Third Party Content Provider"). You acknowledge and agree that the third party Content is and will continue to be a valuable intellectual property owned by the third party content provider and will not assign any proprietary rights to such content to you. Reproduction of any third party content in any form is prohibited without prior written permission from a third party content provider. If you use such third-party content outside the scope of the services that Wisdom International FIN Capital provides to you, you usually need to obtain a license from a third-party content provider and pay a fee based on usage.
Wisdom International FIN Capital No third party content provider guarantees the accuracy, timeliness, completeness, practicality or availability of the third party content, nor is it responsible for any errors or omissions in the third party content (whether for any reason) or results arising from the use of such third party content. In no event shall Wisdom International FIN Capital or any third-party Content Provider be responsible for any damage, costs, expenses, legal expenses or losses (including loss of revenue or lost profits and opportunity costs) caused from the use of third-party Content. A reference to a particular investment or securities, a rating of investments in third party content or any observation is not a proposed purchase, sale, or holding of such investments or securities, nor concern whether the investment or securities are suitable for any particular investor and should not be considered an investment recommendation. A credit rating is a statement of opinion, not a statement of fact.
You accept and assume all the risks of using any third-party content. Wisdom International FIN Capital The inclusion of any third party content in the website does not constitute Wisdom International FIN Capital endorsement or recommendation of such third party content or third party content providers.
You or your agent may not distribute or redistribute third-party content in any way. Within the scope of Wisdom International FIN Capital providing third-party content to you or your agent (including the third-party service provider you designate to receive such third-party content), the receipt and use of you and your agent are subject to certain limitations and terms and conditions required by this clause and third-party content providers. In accordance with this clause and the requirements of Third Party Content Provider, you understand and acknowledge that you and your agent (including any Third Party Service Provider) shall not distribute, redistribute, export, download, provide access (directly or indirectly) or otherwise transfer access to third party Content received from Wisdom International FIN Capital to any party, including but not limited to any other Service Provider or Supplier. You shall be liable for any action or omission by Wisdom International FIN Capital, including the unauthorized receipt, use or misuse of third party content by you or your agents, or any other obligations you undertake to Wisdom International FIN Capital.
Wisdom International FIN Capital At its sole discretion to immediately suspend or terminate you or your agent (including your third party service provider) access to third party content or the right of you or your agent to use third party content, and in terminating or suspending such access or use or termination of your relationship, you shall stop and have all your agents cease use of any and all third party content and remove or clear any and all third party content. Wisdom International FIN Capital is not liable to you for any modification or suspension of access to third party content as a result of Wisdom International FIN Capitals suspension or termination of third party content, your relationship with Wisdom International FIN Capital, or any other reason.
You agree that the above terms and conditions will remain valid when you or your agent or third party service providers right to access third party content is terminated.
The "CU SIP" identifier is provided by CUSIP Global Services and administered by S & P Financial Services LLC on behalf of the American Bankers Association and shall not be used or disseminated in any way as a substitute for any CUSIP service. CUSIP Database, © 2021 American Bankers Association."CUSIP" is a registered trademark of the American Bankers Association.
Moodys Investors Service ("Moodys") is rated proprietary to Moodys or its affiliates and is protected by copyright and other intellectual property laws. Rating is authorized by Moodys to Wisdom International FIN Capital. No person shall copy, or otherwise copy, repackage, further disseminate, transfer, disseminate, redistribute, or store ratings for any later purpose for any such purpose without the prior written consent of Moodys."Moodys ® is a registered trademark. Moodys © Copyright 2022.
No modification, reverse engineering, reproduction or distribution of any S & P ratings, credit-related analysis or data, valuation, or storage in a database or retrieval system without the prior written permission of S & P Financial Services LLC or its affiliates (collectively, "S & P"). Copyright 2022, S & P Global Market Intelligence.
The timeliness of content
Wisdom International FIN Capital All content on the website is only up to the date and time of publication or indication and may be replaced by subsequent market events or other reasons. Users should be careful not to rely excessively on any forward-looking statements (expressed in "believe," "expect," "expect" or similar words) based on information available at the time. Wisdom International FIN Capital No obligation to publicly update or modify any outdated, forward-looking or other statements.
Content accuracy
Notwithstanding Wisdom International FIN Capitals efforts to provide accurate and timely information on the Wisdom International FIN Capital website, there may be unintentional inaccuracies and errors, and neither Wisdom International FIN Capital nor its third party content providers shall guarantee the accuracy, completeness, availability, or timeliness of any information, text, graphics, links, or other Wisdom International FIN Capital or third party content.
Wisdom International FIN Capital Wisdom International FIN Capital is subject to change at any time without notice, but Wisdom International FIN Capital does not guarantee that any defects or inaccuracies will be corrected or will be corrected in time.
Prohibit to use and terminate access
You can only use the Wisdom International FIN Capital website as far as is permitted by law.
You can only use the Wisdom International FIN Capital Web site for personal, non-commercial purposes.
You must not do any of the following: (a) use the Wisdom International FIN Capital website in any manner that may damage or overload any Wisdom International FIN Capital, server, or any network connected to any Wisdom International FIN Capital server; (B) Use the Wisdom International FIN Capital website in any manner that may interfere with the use of the Wisdom International FIN Capital by any other party; Or (c) introduce or allows the Wisdom International FIN Capital Website to introduce to the Wisdom International FIN Capital website any code or malicious or hidden mechanism that may damage the operation of the Wisdom International FIN Capital website or the Wisdom International FIN Capital computer, network, or other device or software.
You may not access the Wisdom International FIN Capital website through a device or service intended to provide high-speed, automatic, or duplicate access, unless such devices are approved or provided by the Wisdom International FIN Capital.
You shall not use any functions or services provided by the Wisdom International FIN Capital Website to interact with any Wisdom International FIN Capital computer, network, or service, unless it is provided for the purpose and manner in which it is available and intended for the users of the Wisdom International FIN Capital Website.
Wisdom International FIN Capital Some parts of the Web site are password-protected or require logins. You may not have unauthorized access to these parts or parts of the Wisdom International FIN Capital Site or any other protected material or information not specifically provided to you for a particular purpose.
Not copy, copy, copy, sell, resell, or otherwise utilize any content provided on the Wisdom International FIN Capital website for any commercial purpose without the express written consent of Wisdom International FIN Capital.
Any use or disclosure of any content or materials (including third-party content) in any manner inconsistent with these terms or your other obligations to Wisdom International FIN Capital may cause direct and irreparable harm to Wisdom International FIN Capital and / or third-party content providers, in which case any legal remedy may be inadequate. Thus, beyond all other remedies provided by law or equity, Wisdom International FIN Capital and its third party content providers are entitled to seek equitable and injunctive relief without proof of actual loss or bond to prevent such unauthorized, negligent or unintentional use or disclosure and to recover all such damages (including attorneys fees and fees) associated to such use or disclosure. Furthermore, Wisdom International FIN Capital will not waive or claim to waive any right of a third-party content provider to file any claim against you or your agent for the unauthorized use or disclosure of third-party content.
If you violate the provisions of this clause or for any reason, Wisdom International FIN Capital may voluntarily terminate or suspend your access to the Wisdom International FIN Capital Website without notice.
Password security and notifications
If you have a password to access the private area of the Wisdom International FIN Capital website, you are solely responsible for maintaining the confidentiality of any user name, password and other security data, methods and devices. In addition, you shall be responsible for all activities related to your access credentials or password, including all instructions electronically transmitted to the Wisdom International FIN Capital through the Wisdom International FIN Capital website and all use of any data, information or services obtained using your access credentials or password and other secure data. Wisdom International FIN Capital Has no obligation to inquire about the authority or appropriateness of any instruction issued to Wisdom International FIN Capital by you or persons who login using your access credentials or password, has the right to act under any such instruction, and shall not be liable for any loss, cost, expense or other liability arising out of any such instruction. Therefore, you should take steps to protect the confidentiality of your access credentials or password.
Do not share your access credentials or passwords on your Wisdom International FIN Capital website with any account other than Wisdom International FIN Capital aggregated through the Wisdom International FIN Capital website. Doing so may invalidate Wisdom International FIN Capitals customer protection guarantee (available here and here) or the account protection of any other company in which the account is located. Learn more on how to grant authorized access to your Wisdom International FIN Capital retail brokerage account.
As an authorized user of the private area of the Wisdom International FIN Capital website, it is your full responsibility to monitor your account, including regularly checking your account information, viewing your transaction history online, and promptly viewing any communications, account statements and confirmation received from Wisdom International FIN Capital. Notice Wisdom International FIN Capital immediately if you find any unauthorized activity, disclosure, loss, theft, or unauthorized use of your password. You agree to work with Wisdom International FIN Capital in any investigation and agree to take corrective actions to protect your account from further fraudulent activities.
Electronic communication security
Electronic (including wired and wireless) communication between the Wisdom International FIN Capital may be unencrypted. You acknowledge that there is no guarantee that data (including e-mail, electronic and wireless communications, and personal data) will not be accessed by unauthorized third parties in the communication between you and Wisdom International FIN Capital or between you and other parties.
disclaimer
Neither Wisdom International FIN Capital nor its third party content providers make any express or implied warranty about the content presented on Wisdom International FIN Capital or Wisdom International FIN Capital websites (including any third party content), including, but not limited to, any implied warranty of merchantability, applicability for a specific purpose, or non-infringement. Wisdom International FIN Capital The website and all content are available to you "as is" and "as available".
Wisdom International FIN Capital There is no guarantee that the Wisdom International FIN Capital Web site will not be interrupted or secure. If you download any information from the Wisdom International FIN Capital website, the risk is at your own and you will be fully responsible for damage or data loss to your computer or other electronic systems.
Unless otherwise specified, neither Wisdom International FIN Capital nor its third party content providers will guarantee that the results obtained by using the Wisdom International FIN Capital website or the content (including third party content) will be accurate or reliable, nor that any Wisdom International FIN Capital website or any products, services, information or other materials purchased or acquired through the Wisdom International FIN Capital Website will meet your needs or expectations.
If the state in which you reside does not allow restrictions or warranty, part or all of these provisions may not apply to you.
limitation of liability
Wisdom International FIN Capital Or no third party content provider shall be liable to you or any other person for any kind of damage, whether indirect, incidental, special, direct, indirect or other damage. Wisdom International FIN Capital and its third party content providers expressly deny liability for any loss of profits, transaction losses and / or any damage caused from the use or inability to use materials on the Wisdom International FIN Capital website and Wisdom International FIN Capital website (whether provided by Wisdom International FIN Capital or a third party). This liability disclaimer applies even though Wisdom International FIN Capital and / or their third party content providers have been advised of the possibility of such damage or loss.
Wisdom International FIN Capital International will not be liable to you or any other person for any loss that Wisdom International FIN Capital International has no direct control of. These causes include failures of electronic or mechanical equipment or lines of communications (including telephone, cables and Internet), unauthorized access, viruses, theft, operator error, bad or abnormal weather (including floods, earthquakes or other natural disasters), fires, war, rebellion, or acts of terrorism, riots, labor disputes and other labor problems, accidents, emergencies or government actions.
If the state in which you reside does not allow limiting or excluding liability or incidentally or necessarily prejudice, some or all of the restriction and exclusion clauses may not apply to you. If the court or the arbitration panel determines that the limitations of liability or remedies in these provisions do not apply to you or for any reason, you expressly agree that these provisions will be construed to apply to the maximum extent permitted by law and in any case Wisdom International FIN Capital and all third party content providers for any reason related to any Wisdom International FIN Capital or third party content on the Wisdom International FIN Capital, Wisdom International FIN Capital website shall not exceed $100.
ensure
As a condition of your use of the Wisdom International FIN Capital Website, you agree to protect Wisdom International FIN Capital and its third party content providers from any and all claims, losses, liabilities, costs and fees (including but not limited to attorney fees) arising out of your abuse of any Wisdom International FIN Capital or third party content on the Wisdom International FIN Capital Website or your breach of these terms.
Pre-dispute arbitration clause
These terms are bound by the pre-dispute arbitration clause. Under this clause, you and Wisdom International FIN Capital agree as follows:
All parties to this Agreement waive their right to prosecute the other party in court, including the right to a jury trial, unless the rules of the arbitration forum in which the claim is filed provide otherwise.
An arbitration award is usually final and binding; a party has a very limited ability to require the court to overturn or modify the award.
In arbitration, the ability of the parties to obtain documents, witness statements, and other evidence is usually more strictly limited than in court proceedings.
The arbitrator is not required to explain his award unless in a eligible case all parties submit a joint request to explain the award at least 20 days before the date of the first scheduled hearing.
The panel of arbitrators may include a small number of arbitrators who have been or are now associated with the securities industry.
The rules of some arbitration bodies may set a time limit for initiating arbitration. In some cases, claims not eligible for arbitration may be brought through the courts.
The rules of the arbitration forum for filing claims and any amendments shall be incorporated into this Agreement.
All disputes between you and Wisdom International FIN Capital concerning any subject, issue or circumstance (including, but not limited, any account, order allocation, rollover, suggested interaction or transaction, Or a dispute over the continuation, performance, interpretation or breach of this Agreement or any other agreement between you and Wisdom International FIN Capital, Whether entered into or arising before or after the date of this clause) shall be made through the Financial Industry Regulatory Authority (FINRA) or any US regulatory organization or the US Stock Exchange (the individual, entity or entity against which the claim is a member, By your appointment) for arbitration.
If you initiate arbitration through the SEO or Stock Exchange and the rules of the organization or Exchange fail to apply for any reason, you shall initiate arbitration with any other SEO or Stock Exchange against which the individual, entity or entity against whom the claim is a member of the organization or Exchange. If you do not notify Wisdom International FIN Capital of your designation in writing within five (5) days of failing to perform the above obligations or upon receipt of Wisdom International FIN Capitals written arbitration request, you authorize Wisdom International FIN Capital to make such designation on your behalf. An arbitration initiated through a specific self-regulatory organization or a stock exchange is not an integral part of an arbitration agreement. You understand that any judgment for any arbitration award may be entered in any court of competent jurisdiction.
No person shall submit an assumed or certified class action to arbitration or attempt to enforce any pre-dispute arbitration agreement against any person who has initiated a supposed class action in the court; or enforce any pre-dispute arbitration agreement against any person who is a member of the supposed class action but has not opted out of any claim covered by the assumed class action until: (i) collective certification is rejected; or (ii) collective certification is cancelled; or (iii) the customer is excluded from the class action by the court. Such refusal to enforce the arbitration agreement does not constitute a waiver of any right hereunder, except for the scope stated in this Agreement.
This pre-dispute arbitration Agreement remains valid after the termination of your relationship with Wisdom International FIN Capital, the cancellation or termination of any specific account or procedure, and your opting out of Wisdom International FIN Capital Communications, Products or Services.
Modify these terms
Wisdom International FIN Capital Investment may modify these terms at any time without notifying you, unless required by law. When we change these terms, we will change the "last update" date specified at the beginning of these terms. View the latest version of these terms by clicking the "Terms of Use" link at the bottom of the Wisdom International FIN Capital site. Using the Wisdom International FIN Capital website means that you accept the terms in effect at the time.
apply the law
These provisions and their enforcement are governed by the laws of Massachusetts, regardless of the conflict of laws, and should benefit the heirs and assigns of Wisdom International FIN Capital, whether by incorporation, union, or otherwise.
severability
If a court of jurisdiction considers any of these provisions to be unenforceable or in conflict with present or future applicable laws, rules or regulations, the provisions will be enforced to the maximum permitted extent and the remaining provisions shall remain in full force and effect.
contact us
If you have questions about these terms, your account, or have other concerns or inquiries, please contact us. Contact information can be found by clicking the customer service link or the icon at the top of the Wisdom International FIN Capital website.
privacy policy
Last updated in October 2024
Our commitment to privacy
Wisdom International FIN Capital And Wisdom International FIN Capital Funds recognize the importance of maintaining the privacy of existing and potential clients.
Wisdom International FIN Capital Privacy policy
This privacy policy describes the collection, use, and sharing of personal information by the Wisdom International FIN Capital. In this Privacy Policy, "Wisdom International FIN Capital" means Wisdom International FIN Capital Services Group, and other Wisdom International FIN Capital companies that provide products and services through this website and this Policy.
If you choose to use products, services and digital products provided by Wisdom International FIN Capital ("us"), these products, services and digital products may have different or additional privacy policies. Some of the products and services provided on our digital assets may have supplementary privacy policies related to those products and services.
In this Privacy Policy (the "Policy"), personal information is information collected or maintained for business purposes through which personal identity can be identified. Note that information that is unidentifiable (e. g., anonymous, de-identified, or aggregated information) is not considered as personal information and is therefore not subject to this policy.
Please note that some details of this policy may depend on whether you deal with us through an investment professional, directly as an individual investor, or whether Wisdom International FIN Capital provides services to your employer or plan sponsor.
This policy is reviewed annually and updated to reflect any changes.
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How and why we obtain and use personal information
Wisdom International FIN Capital Recognizing the importance of maintaining your personal information, we will respect your privacy when we use it. We obtain and use your personal information to serve, maintain and protect your account; process transactions in your account; respond to inquiries from you or your representative; develop, provide and deliver products and services; operate and manage our business; and comply with legal and regulatory requirements. Wisdom International FIN Capital Collect public and non-public personal information from customers and visitors from various sources. Some examples include:
You or your representative on the application or form (e. g., when you interact with our customer service staff, and when you visit our website or use our application)
The preference of you or your representative (for example, the electronic statement delivery method you chose, or the screen layout you specified when you use our website)
You or your employer or plan sponsor (if Wisdom International FIN Capital provides them with record keeping and / or employee benefit counseling (e. g., salary, HR, or benefit information))
Transaction activity in your account (e. g. transaction history and balance)
Other interactions with Wisdom International FIN Capital (e. g., discussions with our customer service staff, including phone or chat, information you enter on our website, or when you sign up for our authentication service)
Information from consumer reporting agencies (for example, assess your credibility for a margin product)
Information from other third-party sources (for example, to verify your identity and to better understand your product and service needs)
Other source, with your consent or with your representative (e. g., from another agency if you move your position to Wisdom International FIN Capital)
Please note that information that cannot identify you (such as anonymous or aggregated information) is not considered as personal information and is therefore not subject to this Privacy Policy.
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How do we protect your information
We implement and maintain physical, administrative, technical and organizational measures designed to protect personal information and regularly adapt these controls to respond to changing requirements and technological advances.
At Wisdom International FIN Capital, we restrict access to personal information to those who need to develop, support, deliver and deliver products and services for you and operate our business.
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How do we share your information with third parties
Wisdom International FIN Capital Do not share or sell personal information about our customers with unrelated third parties for the marketing of their products and services. We may share our personal information with the following entities:
Unassociated service providers (e. g. printing and mailing companies, securities clearing houses, marketing service providers, and other entities that may provide services per Wisdom International FIN Capital instructions)
Government agencies, other regulatory agencies, and law enforcement officials (e. g., for tax purposes or for reporting suspicious transactions)
Other third parties, with your consent or as instructed by your representative (for example, if you request the transfer of assets from another financial institution or if you use an external aggregation site or service that you have authorized to access your Wisdom International FIN Capital financial account on your behalf)
Products, services and investment products of other third parties provided through Wisdom International FIN Capital and you decide to use
Other organizations permitted or required by law (e. g., to prevent fraud or to respond to a subpoena)
Related to corporate business transactions, such as a business merger or sale.
Our service providers are obligated to keep the personal information we share with them confidential and to use it only to provide the services specified by the Wisdom International FIN Capital.
In addition, if you choose to use or express an interest in using a product, service or investment product provided by a third party through the Wisdom International FIN Capital, we may share with that third party personal information relating to your use or interest in the product, service or investment product.
Depending on the nature of your relationship with Wisdom International FIN Capital, we may exchange information with other third parties, as described below:
If Wisdom International FIN Capital provides workplace services to your employer or plan sponsor, such as payroll, human resources, or employee benefit counseling and / or record keeping services, Wisdom International FIN Capital may exchange any information related to such services with your employer or plan sponsor or others whom they may authorize.
If you do business with Wisdom International FIN Capital through your investment specialist, we may exchange the information we collect with your investment experts or others they authorize.
If you trade through Wisdom International FIN Capitals life insurance company, we may share your personal information with and obtain information about you from the insurance support organization. Insurance support organizations may further share your information with other insurers as permitted by law. We may also share information about your medical care as permitted by law to see if you are eligible for insurance, process claims, prevent fraud or perform other activities following your instructions.
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How do we provide our affiliates with information about you
We may provide personal information about you to various Wisdom International FIN Capital corporate affiliates (including in-house service providers that perform print, mailing and data processing services or for other business purposes).
If you interact directly with Wisdom International FIN Capital as an individual investor (including a joint account holder), we may provide our Wisdom International FIN Capital affiliates (such as our brokers and insurance companies) with certain information about you to market your products and services to the extent permitted by law.
If Wisdom International FIN Capital provides services to you under an agreement with your employer or plan sponsor, as you allow or under our agreement with your employer or plan sponsor and by law, we may provide information to Wisdom International FIN Capital affiliates (such as our brokers and insurance companies) for marketing products and services.only if
The information collected from clients of an investment professional will not be provided to the Wisdom International FIN Capital Affiliate for marketing purposes.
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Your digital privacy
When you interact with us by using Wisdom International FIN Capital investing in owned and controlled websites, online services or applications (including mobile applications) ("our Digital Products") or through electronic communications, Wisdom International FIN Capital will manage personal information based on all practices and safeguards described in this Policy.
When you use our digital products or interact with us through our digital products, or through electronic communication, we (or on behalf of our service providers) may automatically collect technical and location information, such as device type, browser type, Internet protocol address, pages visited, and the average time spent on our digital products. We use this information for a variety of purposes, such as maintaining your session security, facilitating website navigation, improving the design and functionality of our digital products and electronic communications, and personalizing your experience. Also, when you are online, the following policies and practices apply.
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Cookie And similar techniques
Wisdom International FIN Capital And our third-party service providers may use Cookie and similar technologies ("Cookie") to support the operation and maintenance of our digital products. Cookie Is a small amount of data exchanged between a website or an online service and a web browser or application on a visitors device (such as a computer, tablet, or mobile phone). Cookie Help us to collect information about the users of our digital products, including dates and times of access, pages viewed, time spent using our digital products, or general information about the devices used to access our digital products. Wisdom International FIN Capital Cookie Also used for security purposes and to personalize your experience, such as customizing your screen layout.
Wisdom International FIN Capital And the third-party service providers we employ (e. g., Google, Meta, and Microsoft) may use Cookie and other technologies (e. g., network beacon, tag, or mobile device ID) in the online ads described below. Most browsers and mobile devices offer their own settings to manage the Cookie. If you use these settings to reject or delete Cookie, it may have a negative impact on your experience with our digital products, as certain features and services on our digital products may not work properly. For example, you may not be able to log in and access your account, or we may not be able to identify you, your device, or your online preferences. Depending on your device and operating system, you may not be able to delete or block all Cookie.
We may collect analytics data or use third-party analytics tools (such as Google Analytics) to help us measure traffic and usage trends in digital products, improve the effectiveness of online advertising, and further understand user demographics. You can learn more about how Google uses Google Analytics by accessing Googles privacy policy. You can also view the exit options currently available for the Google.
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Advertising on Wisdom International FIN Capital Digital, products
Wisdom International FIN Capital Advertising on its own digital products (including our mobile applications), and when we do, we may use information about your relationship with us, such as the type of account you have, to customize advertising and communications about Wisdom International FIN Capital and third-party products and services that may arouse your interest.
We may also use third-party service providers to help us determine which Wisdom International FIN Capital products and services you may be interested in. These service providers may use Cookie and other technologies to gather information about your activities on Wisdom International FIN Capital digital products to analyze things such as the pages visited, search engine recommendations, browsing patterns, and responses to ads and promotions. Such service providers can only collect and use such information for purposes specified by Wisdom International FIN Capital and not for their own purposes.
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Advertising on non-fidelity digital products
Wisdom International FIN Capital Also have promoted our products and services on digital products unrelated to Wisdom International FIN Capital, and we have signed up with third-party advertising companies such as Meta to display these ads. These third-party ad agencies may use Cookie and similar technologies to collect technical and network navigation information, such as device type, browser type, Internet protocol addresses, pages accessed, and timestamps.
Wisdom International FIN Capital and these third-party online advertising companies may use the data we collect and other information we have about you and your relationship with Wisdom International FIN Capital to provide you with relevant advertising and measure the success of our advertising campaigns. Depending on your activities on Wisdom International FIN Capital and non-Wisdom International FIN Capital sites, these ads may be relevant to your interest. These are known as "interest-based ads".
You can choose not to receive interest-based ads from online advertising companies (including ads that Wisdom International FIN Capital uses) by clicking on the AdChoices icon and following the exit instructions.
If you often want to "opt out" to receive interest-based online ads from Internet browsers from advertisers and third parties participating in self-discipline programs (e. g., Digital Advertising Alliance (DAA) programs or Online Advertising Initiative (NAI)), Follow the instructions on WebChoices: Digital Advertising Alliances Web US Consumer Selection Tool (aboutads.info) and NAI Consumer opt-out (networkadvertising.org), Place an opt-out cookie on your device, Indicates that you do not want to receive interest-based ads. If you want to "opt-out" to receive interest-based online ads on mobile devices, follow the instructions on YourAdChoices.com | AppChoices and Mobile Ot-out-NAI: Online Advertising Initiative (thenai.org).
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Connect with Wisdom International FIN Capital on social media platforms
Wisdom International FIN Capital Provide an experience on social media platforms, allowing registered users to share and collaborate online. We collect information you provide when you interact with us through social media, such as photos, opinions, or social media account ID. Any content you post, such as pictures, information, comments, or any personal information you provide to other participants on these social platforms, is subject to the terms of use and privacy policies of these platforms. Please refer to these terms and privacy policies for a better understanding of your rights and obligations regarding such content.
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Third-party websites, online services, and content
Our digital products may contain links to third-party websites and online services (e. g., social media platforms), and may contain embedded content hosted by third parties. This Policy does not address the privacy, security, Cookie policies and settings or other practices of third parties providing such websites, online services or content, and we are not responsible for the privacy practices or content of these other websites, online services or content providers. If you use links to other sites or online services or view third-party content (e. g. embedded video), consult the Privacy Policy of the site / or online service for more information about its privacy practices and advertising opt-out instructions.
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Child privacy
In general, Wisdom International FIN Capitals digital products do not target individuals under the age of 13. Wisdom International FIN Capital Do not deliberately collect information on Wisdom International FIN Capital about people we know under 13, and we ask these people not to provide personal information through our digital products. If we do offer a digital product intended for individuals under the age of 13, the product will have a separate privacy policy.
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AI
If you are a former customer, this policy applies to you; we treat your information as carefully as our existing customer does.
Wisdom International FIN Capital Multiple options for you to access and (if necessary) correct your account information. You can view your information using your reconciliation, automated phone, or digital service. You can also write or call us for the information. If you do business through Wisdom International FIN Capitals Life insurance company, you are entitled to receive your medical record disclosure record following a written request. If we serve you through an investment professional, please contact them directly. Specific Internet address, mailing address, and phone number are listed in your statement and other communications.
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Additional information for California residents
This section is developed for the purposes related to the California Consumer Privacy Act of 2018 (as amended by the California Privacy Act of 2020) (collectively "CCPA") and is only applicable to personal information and Wisdom International FIN Capital companies subject to CCPA."Personal Information" in this section means information that meets the definition of "Personal Information" specified in CCPA and is not excluded from CCPA.
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Wisdom International FIN Capital Corporation and CCPA
Depending on the nature of the Wisdom International FIN Capital Company with which you associate or otherwise interact with the Wisdom International FIN Capital Company, and the products and services provided to you through that relationship, some or all of the personal information collected or retained by Wisdom International FIN Capital Company is subject to one or more of the following exemptions (see the section entitled "CCPA Exemption" below). Thus, in some cases, the applicable Wisdom International FIN Capital company may have no obligation to accept any CCPA request under CCPA, and in other cases, it may not be obliged to comply with a specific CCPA request due to the nature of personal information collected or retained by Wisdom International FIN Capital. Here are some examples of the CCPA exemptions:
If your relationship and interaction with Wisdom International FIN Capital involve only personal financial services (e. g., maintaining one or more personal brokerage accounts), the personal information collected and processed about you will be subject to the Federal Financial Services Modernization Act ("GLBA"), so Wisdom International FIN Capital will not accept your CCPA request.
If you participate in a Career Retirement Program served or managed by Wisdom International FIN Capital Company or other employee benefit programs sponsored or provided by your employer, the CCPA request should be sent directly to your employer.
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Your rights under CCPA, No
CCPA gives California residents certain rights and imposes certain obligations to businesses bound by the CCPA. The following describes certain rights normally available for California residents under the CPA under CCPA. In the following, "consumers" means California residents, and "regulated businesses" means businesses subject to CCPA.
Right to know / access right. The consumer has the right to require the insured enterprise that collects the personal information of the consumer to disclose to the category and specific contents of the information collected by the consumer. The consumer also has the right to require the insured enterprise that collects the personal information of the consumer to disclose the following information to the consumer:
Categories of personal information collected about that consumer
Source category for collecting personal information
Collecting, selling, or sharing (if applicable) personal information
The category of third party to which regulated companies disclose personal information
Specific personal information about the consumer collected by the insured enterprise
These disclosures are not required to contain any information about the activities that occurred prior to January 1,2022. Please also note that the insured enterprise does not need to meet more than 2 such requests from the same consumer during any 12-month period.
Delete the right. The consumer has the right to require the insured enterprise to delete any personal information that it collects from the consumer, except with certain exceptions.
Correction of the right. The consumer has the right to request the insured enterprise to correct the inaccurate personal information of the consumer concerned.
Right to choose not to sell / share. If an insured enterprise sells or shares their personal information, the consumer has the right to choose not to sell or share their personal information.
Limit the right to use and disclose sensitive personal information. If the insured company uses or discloses sensitive personal information for reasons not specified in CCPA, the consumer has the right to restrict the use or disclosure of sensitive personal information.
non discrimination. Consumers have the right not to receive discriminatory treatment from the right of privacy granted by CCPA.
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We may collect personal information categories about you
In general, if you are a customer or if you otherwise interact with us, we collect various types of personal information about you. The amount and type of personal information we collect will depend on the nature of your relationship and interactions with us, and the products and services we provide to you. Categories of personal information that we may collect about you include:
Personal identifiers, such as your name, postal address, e-mail address, online identifier, Internet protocol address, account name, or other similar identifiers
Information covered by the California Record Destruction Act (California Civil Code 1798.80), such as your signature, phone number, and financial account information
Business information, including products or services purchased, acquired, or considered, or other purchase or consumption history or tendencies
Taxonomic characteristics protected by California or federal law, such as gender
Biometric information, for example when you use our speech recognition service that we use for authentication and security purposes
Internet / electronic web activity information, including but not limited to browsing history, search history and other information that you interact with our digital products or ads
Geographic location data
Audio, electronic, video, and similar data, such as call records
Professional or employment-related information, such as position and business contact information
educational information
Create personal data about you based on any of the information listed above, such as those that reflect your preferences, characteristics, behaviors, and attitudes
Sensitive personal information such as Social Security number, account login, password or credentials allowing access to your account or our digital products
The retention period of the data elements in each of the above categories depends on the nature of the data elements and the purposes for which the data is collected and used. We set retention periods for data elements in each category by: (1) the length of time that data is required for data creation or collection, (2) the length of time requiring data for other operational or record retention purposes, (3) the length of time requiring data for our legal, compliance, and regulatory requirements, legal defense and legal detention, (4) how data is stored, (5) whether data is required for security purposes and fraud prevention, and (6) whether data is required to ensure continuity of our products and services.
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Source category for collecting personal information
In addition to the sources described in the section "How and Why we Access and Use Personal Information" above, depending on the nature of your relationship and interactions with us and the products and services we provide to you, we may obtain personal information from the following sources:
You or your representative, for example when using our products, services or digital products, when interacting with us or any of our service providers regarding our products, services or digital products, or when otherwise communicating with us
Public information provider
Other people (usually those who know you) who provide us with information about your recommendations or forward you with articles or other information using the features we provide on specific websites and applications
Third parties offering you products and services through your relationship with us
For us or a third party serving on our behalf
Other third-party sources, including government sources, data brokers, and social networks
Automautomatically as you interact with our digital products or electronic communications
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Why do we collect our personal information
See the "How and Why We Access and Use Personal Information" section above, which describes some of our business or business purposes for collecting personal information (including sensitive personal information). In addition to the above purposes, the following are other business or business purposes for which we collect personal information:
Provide you information on products and services that you may be interested in
Maintain the accuracy and completeness of our records
For marketing and communication purposes
For reporting and analytical purposes
To personalize your interactions and experience with us
For training and quality control measures
Verify your identity
Prevent malicious, fraudulent, or illegal activities
For business analysis, planning, and reporting
For customer education
For the validity measurements
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Categories of personal information disclosed for commercial purposes
As with most businesses, we disclose personal information to third parties for business purposes, in some cases including certain sensitive personal information. Depending on the nature of your relationship and interaction with us, and the products and services we provide to you, we will disclose to third parties for business purposes personal information covered by one or more of the categories described in section "Categories of Personal Information We May Collect about You" above, where the third party category is listed in section "How We Share Information About You with Third parties" above.
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Sell / share personal information
We will not sell your personal information to get compensation or any other compensation. However, according to CCPA, some ways in which we share your personal information with third parties on certain websites may be seen as "selling" or "sharing" personal information for "advertising across situational behavior" (these terms are used in CCPA).
We employ third-party service providers, including marketing and advertising providers, as well as social media platforms (providers), to personalize your browsing experience on our site, provide us with certain targeted advertising services, and help us measure the effectiveness of our website and online advertising. When you visit our website, we and our providers collect certain information about your activities on our website, including cookie and similar data stored on or from your browser or device. In some cases, our providers may combine this information collected on our sites with your activities on other unrelated sites or social media platforms to place our ads to you as you visit other sites or platforms. According to CCPA, sharing your information with certain third parties through cookie and similar methods and the use of certain cookie by our provider may be treated as "selling" personal information or "sharing" personal information for "cross-contextual behavior advertising."
California residents subject to CCPA have the right to opt out of the "sale" or "sharing" of such personal information. For websites where we engage in such activities and are subject to CCPA, if we are certain that you visited it from somewhere in California, you will see the "Do not sell or share my personal information" link on the footer of the site home page. To opt out of the sale or sharing of such personal information, click the link and follow the prompts.
Note that Wisdom International FIN Capital allows all visitors to a specific portion of the Wisdom International FIN Capital.com website (e. g., www.Wisdom International FIN Capital.com homepage) to automatically exercise their right to opt out of sales or sharing of such personal information by using Global Privacy Control (GPC) signals without a separate exit request. If you have enabled GPC signals in your browser, we will respect your request to opt out of such personal information through GPC signals. These exits (whether via the switch button above or via the GPC signal) are settings specific to the device or browser you use. If you visit our applicable website from another device or browser or change the browser settings or clear the Cookie, you need to opt out again.
Within the 12 months prior to the release of this notice, we "sell" and / or "share" personal information to California residents protected by CCPA for "cross-background behavior advertising."We do not deliberately "sell" or "share" the personal information of minors under the age of 16 for "cross-background behavior advertising".
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CCPA exempt
Please note that certain types of personal information collected or maintained by regulated businesses are not subject to CCPA. For example, regulated companies have limited obligations under CCPA for the following types of personal information, in some cases not even no obligations:
Personal information collected, processed, sold or disclosed under the federal Graeme-Rich-Billy Ray Act (Public Act 106-102) and its implementing regulations or under the California Financial Information Privacy Act (California Financial Code Part 1.4 [starting from Section 4050])
Medical information subject to the Medical Information Confidentiality Act or protected health information collected by an insured entity or business partner under the Health Insurance Circulation and Liability Act 1996.
In addition, some businesses are not subject to CCPA constraints, such as:
Businesses that do not operate in California
Businesses not organized or operated for the financial benefit of shareholders or other owners
Companies do not decide on their own purpose and way of processing consumers personal information
Businesses with an annual gross revenue of $25,000,000 or less
CCPA may refuse to fulfill the CCPA request to remove a consumers personal information, but allow it to keep the personal information. It is reasonably necessary to retain personal information if:
Complete transactions that collect personal information, provide goods or services required by consumers, or that are reasonably expected within the scope of the ongoing business relationship between the business and consumers covered, or otherwise perform the contract between Wisdom International FIN Capital Company and consumers
Help to ensure safety and integrity within the reasonable necessity and appropriateness of the use of personal information
Debugging to identify and fix errors that compromise existing expected functions
Exercise the right to freedom of speech, ensure that other consumers exercise the right to freedom of speech or exercise other rights prescribed by law
According to the relationship between consumers and enterprises, only the internal use that is reasonably consistent with the consumers expectations and compatible with the environment in which the consumers provide information
Abide by legal obligations
Note that the description of CCPA in this Privacy Policy is only a summary of certain aspects of CCPA and is not and should not be considered a complete description of the CCPA. In addition to the above, CCPA includes other exemptions applicable to specific types of personal information and specific businesses, as well as other situations where regulated businesses do not need to comply with a consumers request to delete a consumers personal information.
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Submit the CCPA request
If you wish to submit an CCPA request to any Wisdom International FIN Capital company listed in this Privacy Policy, you may initiate a request through one of the options provided on our California Privacy Request page. Before submitting your request, make sure that you have viewed all CCPA exemptions, including the exemptions described in the "CCPA exemptions" section above.
You should usually receive a response within 45 days of receiving your request. However, in some cases, we may need an additional 45 days to process your request, in which case we will notify you and explain why an extension is required.
We need to verify your identity before we can process your request. During the request process, we will inform you of any information provided to us to process your request. You may need to confirm that you are a California resident and verify your identity or the identity of the person authorized to submit the request on your behalf. In addition, the information you provide will be used to help validate your identity.
To learn how to specify an authorized agent authorized to make A request on your behalf under CCPA, see our California Privacy Request page.
Company Wisdom International FIN Capital covered by this Privacy Policy received 12 CCPA personal disclosure requests (informed requests) and 18 CCPA personal deletion requests (deletion requests) between January 1,2023 and December 31,2023. Wisdom International FIN Capital Companies responded to each request within an average of 7.5 days.
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Wisdom International FIN Capital The Fund Privacy Policy
Protecting your personal information is a top priority for the Wisdom International FIN Capital Fund. The funds privacy policy is designed to support this goal. The Fund collects private personal information about you by:
Information provided by you or your representative in an application form or other forms submitted to the Fund, or in other interactions of you or your representative with the Fund
Information resulting from your investment or account in the Fund
Information received by the Fund from consumer reporting agencies
The Foundation uses physical, electronic, and procedural controls to protect your information. For example, the Foundation authorizes only the people who need this information to provide your products or services to access your personal and account information.
The Fund will not disclose any of your nonpublic personal information unless permitted or required by law. For example, the Fund has entered into a number of agreements with Wisdom International FIN Capital Investment and its affiliates and non-affiliated third-party service providers to provide investment management, distribution, transfer agency, administration, valuation and other services to the Fund and fund advisers.
If you decide to close your account, the Fund will continue to comply with the privacy policy and practices described in this policy.
Please read the Wisdom International FIN Capital Fund Privacy Policy with the privacy policy of Wisdom International FIN Capital Investment as a client.
Wisdom International FIN Capital The Fund Privacy Policy is provided on behalf of the Wisdom International FIN Capital Investment Fund Series.
Privacy statement
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