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PRIVACY POLICY





 * Introduction
 * What does Monument Traders Alliance do?
 * What information do we collect and how is it used?
 * Sensitive Personal Information
 * Who does Monument Traders Alliance share your information with?
 * Digital advertising & analytics
 * Cookies
 * Third-party links and tools
 * Policy against advertising our Website using unsolicited email messages
 * Your choices
 * Updates to this privacy policy
 * How to contact us
 * California, Virginia, Colorado, Connecticut and Utah Privacy Rights
 * Personal information we collect, disclose for a business purpose, and
   sell/share
 * Categories of sources
 * Why we collect, use, and share California, Virginia, Colorado, Connecticut
   and Utah consumers Personal Information
 * Recipients of California, Virginia, Colorado, Connecticut and Utah consumers
   Personal Information
 * California, Virginia, Colorado, Connecticut and Utah Residents Rights
   Regarding Personal Information
 * Other California Privacy Rights
 * Nevada Privacy Rights
 * How Long do we Store Your Personal Information?
 * Verification Process and Authorized Agents
 * Minors’ Right to Opt In
 * Website Accessibility
 * Additional Discourses
 * International Customers
 * Contact for More Information

Last Updated: 1/26/2024

Monument Traders Alliance, LLC (“Monument Traders Alliance,” “we,” “our,” or
“us”) provides this privacy policy to describe how we collect, use, and share
the information of individuals who visit our website at
monumenttradersalliance.com (the “Website”) and all its related Websites owned
or registered to Monument Traders Alliance, LLC and any mobile applications made
available by us for use on, or through computers and mobile devices (the
“Apps”). For more information about Monument Traders Alliance, please visit
monumenttradersalliance.com

We know that your personal information is important to you, and here at Monument
Traders Alliance we are committed to ensuring it is kept secure and used
carefully.

Below you will find a short summary of how and why we collect and use your data,
who we share it with, and what we are doing to make sure your data is safe and
secure.


WHAT DOES MONUMENT TRADERS ALLIANCE DO?

Monument Traders Alliance is a privately owned publishing company based in
Baltimore, Maryland. We publish newsletters which provide insight and advice on
investing.

We are part of a larger publishing group known as The Agora Companies (“group
companies”). You can learn more about Monument Traders Alliance in the “About
Us” section of our Website.


WHAT INFORMATION DO WE COLLECT AND HOW IS IT USED?

The information that we may collect about you broadly falls into two categories:

 * Information that you provide

We may ask you to provide personal information when you visit our Website, Apps,
order forms and third-party websites where our advertisements are displayed, in
order to provide our services to you. This included your contact details as your
name and email address. We may also collect personal information, such as your
mobile number, when you opt-in to receive calls or SMS messages from us. When
you call our customer service team or speak with our Telesales department, we do
record our calls for training and regulatory purposes.

We use that information to deliver your subscriptions and so you can register an
account with us, giving you access to the subscriber-only areas of our Website
and Apps. We also use this information to personalize and improve your
experience of our services, Website, Apps, and communications with you, and for
advertising and marketing purposes, including sending you offers from selected
partners. However, we do not share your mobile number or any personal
information provided by you through SMS messaging, for advertising and marketing
purposes.

You may also provide payment information to pay for subscriptions or use a
one-click order process.

 * Information that we collect automatically

When you visit our Website, Apps and order forms, we may collect certain
information automatically from your device.

The data we collect may include information like your IP address, device type,
unique device identification numbers, browser-type, and other technical
information. We may also collect information about how your device has
interacted with our Website, Apps or order form, including the pages accessed
and links clicked. This data is collected using cookies and similar technology.

We collect this information so we can better understand the visitors who come to
our Website, Apps and look at our order forms and what content may be of
interest to them. Using the information allows us to improve the quality and
relevance of our Website, Apps and services.

When you use the Apps that we offer, we may request permission to access certain
functions such as your camera, photos or location information. We may use this
information to provide our products and services to you. If you do not want us
to access this information, please use the settings available on your mobile
device to deny these permissions. Please note that if you prevent us from
accessing these functions, certain features of the App may not work.


SENSITIVE PERSONAL INFORMATION

Our collection of Sensitive Personal Information is limited and we collect it
directly from the consumer. We utilize detailed consent outlining what we use it
for at the point of collection. We have collected the following categories of
Sensitive Personal Information from consumers in the last 12 months:

 * Account access information. Information such as account log-in, financial
   account, debit card, or credit card number in combination with any required
   security or access code, password, or credentials allowing access to an
   account
 * PPrecise geolocation


WHO DOES MONUMENT TRADERS ALLIANCE SHARE YOUR INFORMATION WITH?

We may disclose your personal information to the following categories of
recipients:

 * to our group companies who provide services to us, for example, enhancing the
   security of our Website, Apps or processing personal information for the
   purposes described in this privacy policy or as described to you when we
   collect your personal information;
 * to third-party service providers who provide additional data processing
   services, for example, analyzing data, providing marketing assistance,
   assisting with the processing of credit card payments, delivering your
   subscriptions, or personalizing and improving your experience with us;
 * to our group companies and to third parties (including, data resellers), so
   that they can market products and services we think may be of interest to
   you. This does not apply to text messaging programs;
 * as part of a corporate sale, merger, or acquisition, or other transfer of all
   or part of our assets, including as part of a bankruptcy proceeding;
 * to any competent law enforcement body, regulatory, government agency, or
   similar other third party where we believe disclosure is necessary as a
   matter of applicable law or regulation, or to exercise, establish or defend
   our legal rights or the rights of third parties; or
 * with your consent or as otherwise disclosed at the time of data collection or
   sharing.


DIGITAL ADVERTISING & ANALYTICS

We may partner with ad networks and other ad serving providers (“Advertising
Providers”) that serve ads on behalf of us and others on non-affiliated
platforms. Some of those ads may be personalized, meaning that they are intended
to be relevant to you based on information Advertising Providers collect about
your use of the Website, Apps and other sites or apps over time, including
information about relationships among different browsers and devices.

We may also work with third parties that collect data about your use of the
Website, Apps and other sites or apps over time for non-advertising purposes.
Monument Traders Alliance uses Google Analytics and other third-party services
to improve performance of the website, Apps and for analytics and marketing
purposes. For more information about how Google Analytics collects and uses data
when you use our Website, visit www.google.com/policies/privacy/partners, and to
opt out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout/


COOKIES

Cookies are small files placed on your hard drive by an internet server when you
visit a website. Some cookies can be used to identify your computer each time
you visit a site.

Our Website uses cookies to allow authentication for access to the Subscriber
Only areas of our sites. This allows you to leave the site and come back without
having to re-enter your email or user name and password every time. We may also
use cookies to track site usage, traffic patterns, and to deliver ads for
services we think will be of interest of you.

Your browser may offer tools to limit the use of cookies or to delete cookies;
however, if you use these tools, our Website may not function as well as
intended.


THIRD-PARTY LINKS AND TOOLS

Our Website may include hyperlinks to other websites or Apps that are not
operated or controlled by us. This privacy policy only applies to our Website
and Apps, and we are not responsible for the content or the privacy practices of
third-party websites. You should review the privacy notices of other websites
that you use to learn about their data practices.

The Website may also include integrated social media tools or “plug-ins,” such
as social networking tools offered by third parties. If you use these tools to
share personal information or you otherwise interact with these features on the
Website, these companies may collect information about you and may use and share
such information in accordance with your account settings, including by sharing
such information with the general public. Your interactions with third-party
companies and your use of their features are governed by the privacy notices of
the companies that provide those features. We encourage you to carefully read
the privacy notices of any accounts you create and use.


POLICY AGAINST ADVERTISING OUR WEBSITE USING UNSOLICITED EMAIL MESSAGES

We require that all third party e-mails promoting monumenttradersalliance.com or
our products are sent only to those who have agreed to receive such messages. We
prohibit any advertising of us and our websites using unsolicited email
messages. We will terminate our relationship with any third parties who do not
comply with this policy.

If you feel you’ve been sent unsolicited emails promoting us or our websites and
would like to register a complaint, please contact us here. We will immediately
investigate your complaint.


YOUR CHOICES

If at any time you wish to be removed from the Monument Traders Alliance mailing
list, please click here to contact our customer service department.

We fund our free daily editorial emails by advertising our services and those of
other group companies (occasionally we may carry advertising for a third-party
service) within our editorial email, and by sending separate promotional emails.
There is an unsubscribe link in each of these emails and you can unsubscribe at
any time.


UPDATES TO THIS PRIVACY POLICY

We may update this privacy policy from time to time in response to changing
legal, technical or business developments. When we update our privacy policy, we
will take appropriate measures to inform you, consistent with the significance
of the changes we make. We will obtain your consent to any material privacy
policy changes if and where this is required by applicable data protection laws.
You can see when this privacy policy was last updated by checking the “last
updated” date displayed at the top of this privacy policy.


HOW TO CONTACT US

If you have any questions about our use of your personal information, please
contact our Customer Service team.

Address:

Monument Traders Alliance

Attn: Support Team

14 West Mount Vernon Place

Baltimore, MD 21201 USA

Toll-free 1.800.507.1399

International +1.443.353.4977

Fax +1.410.329.1923


CALIFORNIA, VIRGINIA, COLORADO, CONNECTICUT AND UTAH PRIVACY RIGHTS

This section contains disclosures required by the California Consumer Privacy
Act (“CCPA”), the California Privacy Rights Act (“CPRA”), the Consumer Data
Protection Act (“CDPA”), the Colorado Privacy Act (“CPA”), the Connecticut Act
Concerning Personal Data Privacy and Online Monitoring (“CTDPA”), and the
Consumer Privacy Act (“UCPA“), and applies only to “personal information” that
is subject to the CCPA/CPRA, CDPA, CPA, CTDPA and UCPA. Consumers with
disabilities may access this notice by contacting us at privacy@14west.us and
requesting assistance.


PERSONAL INFORMATION WE COLLECT, DISCLOSE FOR A BUSINESS PURPOSE, AND SELL/SHARE

We collect the categories of personal information about California, Virginia,
Colorado, Connecticut and Utah consumers identified in the chart below. In the
past 12 months we have disclosed and sold/shared California, Virginia, Colorado,
Connecticut and Utah consumers’ personal information to third parties for
business or commercial purposes – details are set out in the chart below. We do
not sell/share any data collected for SMS programs.

Categories of Personal Information
Collected in the last 12 months:
Categories of sources from which information is collected:
Business or commercial purposes for collection, use, and sharing:
Disclosed for business purpose to the following categories of third parties:
Sold/Shared to/with the following categories of third parties:
Retention Period:

 

Personal and online identifiers (such as first and last name, email address, or
unique online identifiers) Yes All categories listed below. All purposes listed
below. All categories listed below. All categories listed below. As stated
below. Biometric Information (such as voice recordings when calling our customer
service team or speak with our Telesales department) Yes Consumers All purposes
listed below. All categories listed below. All categories listed below. As
stated below. Categories of information described in Section 1798.80(e) of the
California Civil Code (such as bank account number, credit card number, debit
card number, or any other financial information,) Yes All categories listed
below. All purposes listed below. All categories listed below. All categories
listed below. As stated below. Commercial or transaction information (such as
records of personal property or products or services purchased, obtained or
considered) Yes All categories listed below. All purposes listed below. All
categories listed below. All categories listed below. As stated below. Internet
or other electronic network activity information (such as browsing history,
search history, interactions with a website, email, application, or
advertisement) Yes All categories listed below. All purposes listed below. All
categories listed below. All categories listed below. As stated below.
Professional or employment-related information Yes All categories listed below.
All purposes listed below. All categories listed below. All categories listed
below. As stated below. Education information Yes All categories listed below.
All purposes listed below. All categories listed below. All categories listed
below. As stated below. Inferences drawn from the above information about your
predicted characteristics and preferences Yes All categories listed below. All
purposes listed below. All categories listed below. All categories listed below.
As stated below. Mobile phone camera, photo and/or location information Yes All
categories listed below. All purposes listed below. All categories listed below.
All categories listed below. As stated below. Sensitive Personal Information
collected and used includes our account log-in details, bank account
information, credit card information, debit card information and geolocation
data from Apps Yes All categories listed below. All purposes listed below. All
categories listed below. All categories listed below. As stated below.


CATEGORIES OF SOURCES

We collect this personal information from the following categories of sources:

 * Consumers
 * Service providers
 * Affiliates in our group companies
 * Consumer data resellers


WHY WE COLLECT, USE, AND SHARE CALIFORNIA, VIRGINIA, COLORADO, CONNECTICUT AND
UTAH CONSUMERS PERSONAL INFORMATION

We use and disclose the personal information we collect for our commercial and
business purposes as set out in this privacy policy. These commercial and
business purposes include, without limitation:

 * Our commercial purposes, including marketing, advertising, and enabling
   commercial transactions.
 * Our business purposes as identified in the CCPA/CPRA, CDPA, CPA, CTDPA and
   UCPA, which include::
   * Auditing related to our interactions with you
   * Legal compliance
   * Detecting and protecting against security incidents, fraud, and illegal
     activity
   * Debugging
   * Performing services (for us or our service provider) such as account
     servicing, processing orders and payments, and analytics
   * Internal research for technological improvement
   * Internal operations
   * Activities to maintain and improve our services
   * Effectuate a product recall
   * Comply with federal, state or local laws, rules or regulations
   * Comply with civil, criminal or regulatory inquiry, investigation, subpoena,
     or summons by federal, state, local, or other government authorities
   * Cooperate with law enforcement agencies concerning conduct or activity that
     we reasonably and in good faith believes may violate federal, state, or
     local laws, rules or regulations
   * Other one-time uses


RECIPIENTS OF CALIFORNIA, VIRGINIA, COLORADO, CONNECTICUT AND UTAH CONSUMERS
PERSONAL INFORMATION

We sell the categories of personal information listed above to the categories of
third parties listed below:

 * Service providers
 * Affiliates in our group companies
 * Consumer data resellers

We disclose the categories of personal information listed above to the
categories of third parties listed below for business purposes:

 * Service providers
 * Affiliates in our group companies
 * Advertising networks and consumer data resellers
 * Internet service providers
 * Data analytics providers
 * Operating systems and platforms
 * Social networks
 * Government entities, if required to do so


CALIFORNIA, VIRGINIA, COLORADO, CONNECTICUT AND UTAH RESIDENTS RIGHTS REGARDING
PERSONAL INFORMATION

California, Virginia, Colorado, Connecticut and Utah residents have certain
rights with respect to the personal information collected by businesses. If you
are a California, Virginia, Colorado, Connecticut or Utah resident, you may
exercise the following rights regarding your personal information, subject to
certain exceptions and limitations:

 * The right to know/access the categories and specific pieces of personal
   information we collect, use, disclose, and sell/share about you; the
   categories of sources from which we collected your personal information; our
   purposes for collecting or selling/sharing your personal information; the
   categories of your personal information that we have either sold/shared or
   disclosed for a business purpose; and the categories of third parties with
   which we have shared personal information.
 * The right to request that we delete the personal information we have
   collected from you or maintain about you. Upon verification of your request,
   we will notify third parties to whom we have shared your personal information
   with to delete your information as well.
 * The right to opt out of our sale or sharing of your personal information.
 * The right to correct inaccurate personal information we have collected from
   you or maintain about you (California, Virginia, Colorado and Connecticut
   consumers only).
 * The right to limit use and disclosure of sensitive personal information we
   have collected from you or maintain about you, if we use this information for
   any purpose other then the designated purpose you agreed to (California
   consumers only).
 * The right to opt out of targeted advertising (Virginia, Colorado, Connecticut
   and Utah consumers only).
 * The right to opt out of profiling in furtherance of decisions that produce
   legal or similarly significant effects concerning you (Virginia, Colorado and
   Connecticut consumers only).
 * The right to appeal should we be unable to act on your Privacy Request
   (Virginia, Colorado and Connecticut consumers only).
 * The right not to receive discriminatory treatment for the exercise of the
   privacy rights conferred by the CCPA/CPRA, CDPA, CPA, CTDPA and UCPA.

To exercise any of the above rights, please contact us as follows:

 * By phone at +1-443-353-4977
 * On our website by clicking on the “Do Not Sell My Info” link or by clicking
   here


OTHER CALIFORNIA PRIVACY RIGHTS

California’s “Shine the Light” law allows California residents to ask us one
time each year if we have shared personal information with third parties for
their direct marketing purpose. To make such a request, please contact our
Customer Service Team or write to us at: Monument Traders Alliance, Attn:
Support Team, 14 West Mount Vernon Place, Baltimore, MD 21201 USA.


NEVADA PRIVACY RIGHTS

Under Nevada law, Nevada residents may submit a request directing us not to make
certain disclosures of personal information we maintain about them.

To exercise this right, please contact click .


HOW LONG DO WE STORE YOUR PERSONAL INFORMATION?

We store your personal information, including sensitive personal information for
different time periods depending on the category of personal information. We
determine how long we need personal information on a case-by-case basis, but our
goal is to keep your personal information for as short a period as possible to
achieve the purpose for which personal information is collected. We consider the
following criteria when we are making decisions on how long we will retain your
personal information;

 * The category of personal information;
 * Whether the personal information is to be deleted based on a specific
   schedule;
 * The personal information is necessary to operate or provide a service to you;
 * How long we need to retain the personal information to comply with our legal
   and tax obligations; and
 * Our legitimate interests or legal purposes, such as fraud prevention,
   record-keeping requirements or enforcing our legal rights.


VERIFICATION PROCESS AND AUTHORIZED AGENTS

We may need to request additional information from you to verify your identity
or understand the scope of your request, although you will not be required to
create an account with us to submit a request or have it fulfilled. At a minimum
you will need to provide your name and email address.

You may designate an authorized agent to make a CCPA request on your behalf by
informing our customer service team at 1-800-507-1399. You will need to provide
your name and address, your agent’s name and address, and a copy of the document
by which you appointed the agent.


MINORS’ RIGHT TO OPT IN

We do not knowingly sell the personal information of minors under 16 years of
age.


WEBSITE ACCESSIBILITY

If you have issues accessing or reading anything provided by Monument Traders
Alliance, LLC, please reach out to us at 1.800.507.1399 or by contacting our
Customer Service team here.


ADDITIONAL DISCOURSES

The Children’s Online Privacy Protection Act imposes requirements on operators
of websites or online services directed to children, and on operators of
websites or online services that have actual knowledge that they are collecting
Personal Information about children under 13 years of age. Our currently policy
is not to collect, use, sell or share any Personal Information of any person
under 13 years old. If this policy changes, we will revise this portion of our
Notice of Privacy Practices and will comply with the requirements of the
Children’s Online Privacy Protection Act.


INTERNATIONAL CUSTOMERS

Primarily personal information is collected, maintained and processed in the
United States. The United States may not have laws deemed adequate by the
jurisdictions in which you reside. By visiting our website and/or using our App,
you acknowledge and unambiguously agree to such practices pertaining to the
collection, maintenance and processing of your personal information.


CONTACT FOR MORE INFORMATION

If you have any questions or concerns about our use of your personal
information, please contact our Customer Service team here.

Address:

Monument Traders Alliance

Attn: Support team

14 West Mount Vernon Place

Baltimore MD 21201 USA

Toll-free 1.800.507.1399

International +1.443.353.4977

Fax +1.410.329.1923

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