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PRIVACY & COOKIE STATEMENT



This is the Privacy and Cookies Policy for The Motley Fool, LLC website
("we","us" and "our site"). We are committed to protecting and respecting your
privacy.

This Policy and any other documents referred to in it explain:

 * Information we collect about you
 * Our legal bases for processing your information
 * How we use your information
 * Promotional updates and communications
 * How we store and retain your information
 * Cookies and other technologies
 * Cookie Removal
 * Update or correct your information
 * Opt out or close your account
 * Security and protection of your information
 * Users Aged 13 or Under
 * European Users
 * Changes to this policy
 * Contact us

Please read the following carefully to understand our views and practices
regarding your personal data and how we will treat it. By using our website and
our services, you acknowledge you have read and understood this privacy policy.

In Summary: This Privacy Statement applies to the operations of The Motley Fool,
LLC, which services are directed at users in the United States of America. It
explains how The Motley Fool collects, use and safeguards your personal data. By
using the sites and providing us with personal data you are consenting to our
processing data in the United States and under its laws.

Data handling practices and rules may differ from country to country. Each
Motley Fool entity (e.g., The Motley Fool Limited, which operates fool.co.uk in
the United Kingdom) may have different policies, which will apply to (and be
stated on) its sites.

If you are a resident of the European Union and wish to use our site, you can
find information on the data policies of fool.com that pertain to you in this
document.

While we do our best to protect your personal information, The Motley Fool
cannot ensure or warrant the security of any information you transmit to us, and
you do so at your own risk. What does all of this mean? Just as in the investing
world, you must protect yourself. You are responsible for maintaining the
secrecy of any password and/or account information. Please be careful and
responsible whenever you are online, especially when using a computer that other
people can use also or if you are on an unsecured network.

Many of our advertisers or partners, such as brokerages, merchants, or data
providers, link from our site to areas on their own sites where they sell their
own products and services. If you follow links from our site to others, you
should be aware that you are doing business with those other sites, which have
their own privacy and data collection practices. The Motley Fool has no
responsibility or liability for these independent policies (and we may not even
know what they are). For more information regarding a site and its privacy
policies, check that site.


1. INFORMATION WE COLLECT ABOUT YOU

We will collect and process the following personal data from you:

1.1 INFORMATION YOU GIVE US

This is information about you that you give us directly when you interact with
us.

 1. Signing Up for Content Delivered via Email: When you sign up for a report or
    other content delivered by email, we will ask for your email address. We may
    also ask for your name as well as capture your IP address.
 2. Subscribing to a Service: When subscribing to any of our newsletter or
    portfolio services, or purchasing a special report, we need to know the sort
    of information typically used for credit card transactions, such as your
    name, address, telephone number, and credit card number and expiration date.
    We encrypt all of this information using Transport Layer Security (TLS), the
    replacement for the deprecated Secure Socket Layers (SSL) technology.
 3. Stock Information: If you rate stocks on our CAPS platform, we will save
    that information and may use it to identify content that we think is
    relevant to you. We may also use that information in the aggregate to help
    us better understand what our community and our premium members are
    interested in, so we can create and target our content better.
 4. Other Services: We may also ask for additional information when providing
    other services. If you don’t want to give us the information requested, you
    certainly don’t have to, but you will not be able to take advantage of such
    offerings. For example, if we launch a text alert feature, we wouldn’t be
    able to send you any alerts unless you provide us with your mobile number.
    Or, you may not be able to gain access to certain areas of our site unless
    you register and/or subscribe. On occasion, we may also ask you for other
    personal information in connection with surveys, contests or other
    promotional offers running on our site, but again, your participation in
    these features is purely voluntary.
 5. Information About Others: If you use our recommendation service to email one
    of our articles to a friend, you will need to provide us with your friend's
    email address and your email address as a return address. We will
    automatically send this person a one-time email, with the recommended
    article attached, as well as invite your friend to visit and register with
    our site. We will not use these email addresses for any other purpose.

1.2 INFORMATION WE COLLECT ABOUT YOU FROM USING OUR SITE:

 1. While on our site, we automatically log certain information about how you’re
    using our site. This information may include the URL that you just came
    from, your IP address (or a partially anonymized IP address), details about
    your browser, device, OS, or probable location, and the pages you visit
    while on our site.
 2. When you visit our sites we will assign you a unique identifier so we can
    recognize you across different portions of our sites. You may have one or
    more of these, and they may persist between visits to our sites, so we can
    recognize you when you come back.
 3. We may place a tracking mechanism, such as a pixel or web beacon, on pages
    or components of our site. This enables us to record in our server logs that
    a specific user id has visited a particular page. This data allows us to
    analyze and determine our audience’s behavioral characteristics, which helps
    us to optimize our site, advertisement placement, and marketing focus.

1.3 INFORMATION WE RECEIVE FROM OTHER SOURCES:

 1. We may place a tracking mechanism on pages or components of some of our
    partners’ sites so that when you use services from our partners, we can
    record that a specific user ID visited that service. This helps us analyze
    our audience in a manner similar to when you visit our own site.
 2. We allow our advertisers and partners to collect certain information when
    you visit our site by allowing them to place a tracking mechanism, such as
    cookies, pixels, beacons, Google AMP Client IDs, or other technologies to
    collect and use information about you during your visit to this and other
    websites in order to provide advertisements they feel you would like.
 3. By utilizing or permitting these tracking mechanisms , we prevent our
    partners from fraudulently representing your internet activity, and we
    ensure that we are trustworthy to our partners and advertisers about
    accounting for the exchange of your personal information. To read about your
    options for opting out of data sharing, please see our Opt Out or Close Your
    Account section of this privacy statement.
 4. We have also engaged third-party companies to gather and process information
    about our users on our behalf, to help us improve our sites and find new
    members. These companies will combine our data about how you visit our
    websites with information that they have collected from outside our sites
    and provide it to us so that we can optimize your experience across our
    sites, across multiple devices, and based on your interests.

To learn more about this behavioral advertising, including information on how to
opt-out, please see our Opt Out or Close Your Account section.

1.4 BUSINESS PURPOSES AND CATEGORIES OF PERSONAL INFORMATION WE COLLECT:

Our business is constantly evolving to create and deliver the most relevant
products and services to you. We collect a variety of different personal data
for numerous business reasons. For a full listing of those reason, please see
Section 3.

1.5 CATEGORIES OF THIRD PARTIES FROM WHICH WE COLLECT PERSONAL INFORMATION:

We collect information about you from third parties that have information about
you or about people that exhibit similarities to the data we have collected
about you. For more information, see the How We Use Your Information section of
this privacy statement.

We collect personal information about you from the following categories of third
parties:

 * Advertisers
 * Data Enrichment providers


2. OUR LEGAL BASES FOR PROCESSING YOUR INFORMATION:

We can collect and process your data under one of the following legal bases for
our use.

2.1 CONSENT

We can collect and process your data with your consent.

 * For example, if you have given your consent to receiving marketing material
   from us at the point we collected your information.

2.2 CONTRACTUAL OBLIGATIONS

We need your personal data to comply with our contractual obligations.

 * For example, if you have subscribed to one of our services, we use your
   personal data to fulfill, and deliver that service to you.

2.3 LEGAL COMPLIANCE

If the law requires us to, we may need to collect and process your data.

2.4 LEGITIMATE INTEREST

We may use your data as required in the normal course of operating our
businesses and services unless our legitimate interests are overridden by your
rights.


3. HOW WE USE YOUR INFORMATION

3.1 Business Purposes for Which We Collect and Use Personal Data:

When we have a legal basis for collecting your personal information , we do so
from a variety of sources, including without limitation your explicit input and
interaction on our web sites, through our advertisements on other web sites, and
through third parties that have information about you or about people that
exhibit similarities to the data we have collected about you. We may combine
your data with anonymized, aggregated data to draw inferences about you or your
interests. We use all this data to make our site and our advertising relevant to
you.



Business Purpose & Categories of Personal Data

Operations
To administer our site, site performance, and internal operations, such as to
conduct troubleshooting, testing, and projecting usage volume and impact

 * Unique personal identifiers, such as online identifiers, usernames, or
   account names
 * Email address
 * Browser or device identifiers
 * Internet or electronic network activity, such as browsing history, search
   history, engagement with ads, interaction with web site or mobile app, and
   email receipt and response

Security

To keep our site safe and secure and to control access to your account and
services

 * Name
 * Physical addresses, both mailing and billing
 * Payment methods and numbers, such as a credit or debit card
 * Unique personal identifiers, such as online identifiers, usernames, or
   account names
 * Browser or device identifiers
 * Physical/geolocation or network location information, such as GPS location or
   Internet Protocol (IP) address
 * Internet or electronic network activity, such as browsing history, search
   history, engagement with ads, interaction with web site or mobile app, and
   email receipt and response

Advertising

To deliver relevant advertising to you and to measure and optimize the
effectiveness of our advertising

 * Browser or device identifiers
 * Physical/geolocation or network location information, such as GPS location or
   Internet Protocol (IP) address
 * Characteristics of protected classes, such as age and sex
 * Education (e.g., level of education, IDs, dates, attendance, disciplinary
   actions, disabilities)
 * Commercial information, such as records of your purchases or property
 * Personal interests
 * Inferences about consumer preferences, characteristics, psychological trends,
   predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

Marketing

To keep you informed about products and services similar to the ones you
subscribe to – on our site and elsewhere on the internet

 * Name
 * Email addresses
 * Phone numbers
 * Physical addresses, both mailing and billing
 * Unique personal identifiers, such as online identifiers, usernames, or
   account names

Optimization

To ensure our content, layout, and offerings are presented in the most effective
manner for you and devices

 * Unique personal identifiers, such as online identifiers, usernames, or
   account names
 * Email address
 * Browser or device identifiers
 * Internet or electronic network activity, such as browsing history, search
   history, engagement with ads, interaction with web site or mobile app, and
   email receipt and response

Fulfillment

To fulfill your transactions and to deliver information about goods and services
you have requested, or that we think you would be interested in

 * Name
 * Email addresses
 * Phone numbers
 * Physical addresses

Personalization

To allow you to participate in interactive features of our services, when you
choose to do so.

 * Email addresses
 * Unique personal identifiers, such as online identifiers, usernames, or
   account names
 * Browser or device identifiers

Research

To better understand our members, potential members, and visitors so we can
improve our products and services, and better target how we deliver information
about those products and services

 * Unique personal identifiers, such as online identifiers, usernames, or
   account names
 * Browser or device identifiers
 * Physical/geolocation or network location information, such as GPS location or
   Internet Protocol (IP) address
 * Characteristics of protected classes, such as age and sex
 * Education (e.g., level of education, IDs, dates, attendance, disciplinary
   actions, disabilities)
 * Commercial information, such as records of your purchases or property
 * Personal interests
 * Inferences about consumer preferences, characteristics, psychological trends,
   predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

3.2 CATEGORIES OF SERVICE PROVIDERS TO WHICH PERSONAL DATA IS DISCLOSED:

We utilize service providers to process personal information for a variety of
purposes that would be difficult for our business to conduct on our own. For
example, to increase the likelihood of successfully processing your credit card
when you purchase access to one of our services, we may wish to submit a
well-formatted address to the credit card company. We may send the address you
give us to a service from the U.S. Postal Service to try to verify your address
and provide its canonical version of your address with all the fields in the
expected locations. In some states, these types of external companies are called
service providers. We disclose personal information about you to the following
categories of service providers in order to process data for us:

 * Data verification providers, like the US Postal Service
 * Content delivery providers, like Strongmail or Hubspot
 * Traffic monitoring and analytics providers, like Hotjar

In order to maintain relevant and accurate personal information about you, we
may share your personal data, browsing habits, or other identifying information
to service providers and third parties, and in return they may provide us with
additional email addresses, names, physical addresses, other identifiers,
browsing habits, and demographic information, which may include education level,
income, investment portfolio, race, gender, personal interests you have told
them about, and other personal details they infer about you. To read about your
options for opting out of this data sharing, please see our Opt Out or Close
Your Account section of this privacy statement.

3.3 CATEGORIES OF OTHER THIRD PARTIES TO WHICH PERSONAL INFORMATION MAY BE SOLD;
AND THE BUSINESS PURPOSES FOR SUCH “SALES”:

If you are a California resident, some of our disclosure of personal information
is considered a sale of data even if we don’t receive something of monetary
value in exchange. We share personal information in this type of “sale” with the
following categories of third parties:

 * Companies that serve ads, like Facebook
 * Companies that offer header bidding auctions, like Google
 * Marketing analytics companies, like Google
 * Data enrichment firms, like Infogroup

We share personal information with third parties in this type of “sale” for the
following business purposes:

 * Advertising: To deliver relevant advertising to you and to measure and
   optimize the effectiveness of our advertising
 * Marketing: To keep you informed about products and services similar to the
   ones you subscribe to – on our site and elsewhere on the internet. We do not
   share information obtained via our Text Alert programs (here and here) for
   marketing purposes.
 * Research: To better understand our members, potential members, and visitors
   so we can improve our products and services, and better target how we deliver
   information about those products and services.


4. PROMOTIONAL UPDATES AND COMMUNICATIONS

Where permitted by one of the legal bases above, we will use your personal
information for marketing analysis and to provide you with promotional update
communications (e.g., by email) about our products/services and those of our
affiliates and business partners.

To read about your options for opting out of marketing and promotions, please
see our Opt Out or Close Your Account section of this privacy statement.


5. HOW WE STORE AND RETAIN YOUR INFORMATION

We store your data in databases and on storage servers in our own facilities, in
colocation data centers, and in those of our contracted service providers. Your
data may not be stored in the country in which you reside. We typically store
our data in the U.S. If you live in the European Economic Area, please see our
section for European Users.

We retain personal data for as long as necessary to fulfill any legal
obligations we may have as well as for purposes of processing your information
for the delivery of our services (for example, if you continue to subscribe to
one of our email-based services, we will need your information to email the
service to you). We may also retain aggregate information beyond this time for
research purposes and to help us develop and improve our services. You cannot be
identified from aggregate information retained or used for these purposes.


6. COOKIES AND OTHER TECHNOLOGIES

Cookies contain bits of data that websites such as ours place on your computer’s
hard drive for record keeping purposes. Cookies can make the web more useful by
collecting and storing information about your preferences on a particular site
and help websites operate more efficiently. Cookies and similar technologies
enable you to be remembered when using that computer or device to interact with
websites and online services and can be used to manage a range of features and
content as well as storing searches and presenting personalized content.

We use our cookies:

(a) With the aim of optimizing our website and improving member experience.
Cookies help us estimate our audience size, determine usage patterns and help us
better target content and ads based on our users’ interests.

(b) We also use cookies so you can, for example, access any premium content that
you have subscribed to.

(c) You have the option of not accepting the cookies we set. However, if you
reject our cookies, you will not be able to take advantage of most of the
features on our site, including subscription-based services.

Below you’ll find the types of cookies that we set when you visit Fool.com and
their purpose. To help you better understand why we’re setting them, we’ve used
the categories and definitions set by the International Chamber of Commerce
(“ICC”):

(a) Strictly Necessary: cookies that enable the services that you have
specifically asked or paid for;

(b) Performance: cookies that collect information on how visitors use our site
including the pages visited and most frequented as well as the sources of our
traffic. They are used to help us improve how the site works;

(c) Functionality: cookies that help us remember the choices you have made so we
can provide you with a more personalised experience; and

(d) Advertising: cookies used to deliver more relevant ads, and to make sure you
don’t see the same adverts over and over again.

In addition to the cookies set directly by our partners, there are also cookies
set by third parties to help deliver and monitor their ads. Please note we
neither control nor have access to those cookies, and these advertisers’ uses of
cookies are subject to their own privacy policies and not our policies.

If you follow links from our site to theirs, you should be aware that these
other sites have their own privacy and data processing practices. We have no
responsibility or liability for these independent policies. For more information
regarding a site and its privacy policies including its use of cookies, check
that site.


7. COOKIE REMOVAL AND MORE INFORMATION

You can always modify your browser so as not to accept cookies or to notify you
when cookies are sent to it. For more information about cookies including
removing any or all of your cookies, please visit
http://www.allaboutcookies.org.

Also, if you would like to remove the Google Analytics and DoubleClick cookies,
please go to http://tools.google.com/dlpage/gaoptout and
http://www.google.com/ads/preferences/plugin/ respectively. You should be aware
that this will affect your Google cookies on all sites, and not just ours.

Some of our sites are affiliated with AdThrive, an advertising partner. They,
and others, use cookies collected from a variety of sites to gather data about
visitors. You can view, delete or add interest categories associated with your
browser by visiting: https://adssettings.google.com.


8. UPDATE OR CORRECT YOUR INFORMATION

If you want to change your email address for delivery of your paid-for
newsletter email subscriptions (e.g. Stock Advisor, or ONE), or you would like
to change your password, you should go to your accounts page
(https://www.fool.com/account/).


9. OPT OUT OR CLOSE YOUR ACCOUNT

 1. Marketing & Promotions. If you would rather not hear from us by email, you
    can object to further marketing at any time by: (i) checking and updating
    your contact details within your account page
    (https://www.fool.com/account/); (ii) selecting the "unsubscribe" link at
    the end of all our marketing and promotional update communications to you;
    or (iii) filling out this form.
    
    Please note: If you are paying for one of our services, please note that
    clicking the “unsubscribe” link will not cancel your paid subscriptions, but
    it is likely to affect deliverability of your newsletter messages,
    announcements, or other product related communications. If you purchase
    products or services from us, or if you register for an account with us, we
    may contact you to confirm your purchase, subscription, or registration, or
    to provide you with information about its terms or features. You may wish to
    keep these transactional or relationship emails, to help you use our
    products and services.
    
 2. Behavioral Advertising. To learn more about this behavioral advertising,
    including information on how to opt-out, please:

(a) visit the DAA opt-out program, the Evidon opt-out program, and the Google
Analytics opt-out program to learn how to opt out of having your information
collected in browsers for ad serving purposes;

(b) download the Evidon Ad Control application, available for iOS and Android,
to learn how to opt out of having your information collected in mobile apps;

(c) see the interests associated with you by Google at
https://adssettings.google.com; and

(d) visit the Network Advertising Initiative’s opt out page.

Please remember that some or all of these opt-out mechanisms use cookies to
remember you have opted out, and if you delete cookies from your browser your
opt-out will also be deleted.

 1. Consent Withdrawal. Where the processing of your personal information by us
    is based on consent, you can withdraw consent at any time by: (i) checking
    and updating your Data Preferences within your account page
    (https://www.fool.com/account/);
 2. Cancel Your Subscription. If you want to cancel your subscription to one or
    more of our services but do not wish to remove your account entirely at this
    time, please contact us at membersupport@fool.com.
 3. Close Your Account Permanently. If you want to close your account - i.e., so
    that it cannot be logged into - please go to this form:
    preferences.fool.com/privacy.


10. SECURITY AND PROTECTION OF YOUR INFORMATION

We are committed to protecting your personal information. All information that
you provide to us is stored on our secure servers. Access to paid-for areas of
the site, such as our newsletter services is password-protected for your privacy
and security. While we do our best to protect your personal information, we
cannot ensure or warrant the security of any information you transmit to us, and
you do so at your own risk. What does all this mean? Just as in the investing
world, you must protect yourself. You are responsible for maintaining the
secrecy of your passwords and/or any account information. If you need to change
your password, please follow the steps outlined below.

Unfortunately, the transmission of information via the internet is not
completely secure. Although we will do our best to protect your personal data,
we cannot guarantee the security of your data transmitted to our site; any
transmission is at your own risk. Once we have received your information, we
will use strict procedures and security features to try to prevent unauthorized
access.

Our site may, from time to time, contain links to external sites. We are not
responsible for the privacy policies or the content of such sites.


11. USERS AGED 13 OR UNDER

Protecting the safety of children when they use the internet is important to us.

The site is intended for use only by persons who are at least 13 years of age.
By using this site, you confirm to us that you meet this requirement. If you are
aged 13 or under, please get your parent/guardian’s permission beforehand
whenever you provide personal information to our website. Users without this
consent are not allowed to provide us with personal information.

If you are under the age of 13 your parent or guardian must consent on your
behalf where we ask for consent in relation to the use of your information.


12. EUROPEAN USERS

For the purposes of European Economic Area data protection law, (the "Data
Protection Law"), the data controller is: The Motley Fool, LLC, 2000 Duke
Street, Alexandria, VA 22314, USA (dpo@fool.com).

12.1 USE OF COOKIES

Our site places cookies on your device for a variety of purposes described in
the Cookies and Other Technologies section of this privacy statement. Please
refer to that section for more information about those cookies and how to
prevent the use of cookies.

If you have any questions about the cookies we set, please contact our Data
Protection Officer at dpo@fool.com.

12.2 DATA STORAGE

The data that we collect from you is transferred to, and may be stored at, a
destination outside the European Economic Area ("EEA") that is not subject to
equivalent Data Protection Law. For our purposes, the information we collect is
processed and stored in the US.

We may transfer your personal information outside the EEA:

Where your information is transferred outside the EEA, we will take all steps
reasonably necessary to ensure that your data is subject to appropriate
safeguards, such as relying on a recognised legal adequacy mechanism, and that
it is treated securely and in accordance with this privacy policy.

12.3 EUROPEAN SITE USERS HAVE CERTAIN RIGHTS UNDER CERTAIN CIRCUMSTANCES:

 * to be provided with a copy of your personal data held by us;
 * to request the rectification or erasure of your personal data held by us;
 * to request that we restrict the processing of your personal data (while we
   verify or investigate your concerns with this information, for example);
 * to object to the further processing of your personal data, including the
   right to object to marketing (as mentioned in 'our promotional updates and
   communications' section);
 * to request that your provided personal data be moved to a third party.

12.4 YOUR RIGHT TO WITHDRAW CONSENT:

Where the processing of your personal information by us is based on consent, you
have the right to withdraw that consent without detriment. You can withdraw
consent online or by contacting us. For more information on this or other
options to manage your privacy rights, please see the Opt Out or Close Your
Account section of this privacy statement.

You can also exercise the rights listed above at any time by filling out this
form.

If your request or concern is not satisfactorily resolved by us, you may
approach your local data protection authority, (see
http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.html).


13. CHANGES TO THIS POLICY

We may amend this Privacy and Cookie Statement from time to time. Please check
back regularly to review your rights and to check the Effective date or Last
Updated date listed below. If we make any substantive changes to this policy,
we’ll announce it on our site and notify you by email.


14. CONTACT US

Questions, comments and requests regarding this privacy and cookie policy are
welcomed and should be addressed to:

Data Protection Officer
The Motley Fool, LLC
2000 Duke Street
Alexandria, VA 22314

dpo@fool.com

Last Updated: August 4th, 2022



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