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PRIVACY POLICY

LAST UPDATED/EFFECTIVE DATE: OCTOBER 1, 2024

 1.  OVERVIEW
     
     Please review this Privacy Policy carefully as it describes how Insider,
     Inc. d/b/a Business Insider (“Business Insider”) and its affiliates and
     subsidiaries, including eMarketer, Inc. (“EMARKETER,” and collectively with
     Business Insider the “Company”, “we”, “our”, or “us”) collect, use, and
     disclose information about you when you interact with us online, via our
     websites and apps, and offline, in person (collectively, the “Service”).
     
     If you have any questions about our privacy practices, please contact us as
     set forth in the “Contact Us” section below. If you are a resident of
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     Privacy Laws, or located in Europe or the United Kingdom, please see the
     additional disclosures at the end of this Privacy Policy.
     
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     information collected by Business Insider and EMARKETER for
     employment-related purposes, please refer to our Business Insider Employee
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     If you have a disability and would like to access this Privacy Policy in an
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 2.  INFORMATION COLLECTION
     
     For purposes of this Privacy Policy, “personal information” means
     information that relates to an identified or identifiable individual,
     household, and/or, depending on your state of residence, device. Depending
     on how you interact with our Service, this may include collection and
     processing of personal information including, but not limited to, the
     categories and types of personal information listed below.
     
     INFORMATION YOU PROVIDE
     
     We collect personal information you provide directly via the Service,
     including when you:
     
     * Use our Service;
     * Access our content, including our articles, webinars, research reports
       and podcasts;
     * Register or update an account;
     * Request quotes, product demos, support, information, or access to our
       information products and services;
     * Subscribe to newsletters, promotional communications, alerts, sales
       outreach, updates and other materials;
     * Fill in forms, including when you enter competitions, promotions or
       surveys;
     * Register for events, webinars or other content offers; or
     * Contact us.
     
     The categories of personal information we collect include the following:
     
     * Contact Data. We may collect your first and last name, email address,
       postal address, phone number, and similar contact data.
     * Company Data. Where you interact with us in a business to business
       context, we may collect your job title and company name, size, email
       address, phone number, and postal address.
     * Credentials. When you register for an account with us, we may collect
       passwords, password hints, and related information for authentication and
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     * Biographic and Demographic Data. Business Insider may collect demographic
       information you voluntarily provide to us, including your country, age,
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     * Profile Data. We may collect a personal description, and other profile
       information you submit.
     * Payment Data. We use payment processors to collect personal information
       necessary to process your payment if you make a purchase with us,
       including your payment instrument number (such as a credit or debit card
       number), and the security code associated with your payment instrument.
       We do not directly collect or maintain full payment card information.
     * Personal Contacts Data. We may collect personal information you provide
       about your contacts, including information about other employees at your
       company.
     * Content. We collect the content of communications you send to us (such as
       feedback and questions to customer support), which may include personal
       information.
     * Inferences. We may draw inferences from any of the personal information
       identified and discussed in this Privacy Policy
     * Other Personal Information. We may collect other personal information you
       provide, such as the content provided either in your job application or
       in your communications with us, including interactions with us online,
       in-person, or on the phone.
     
     INFORMATION FROM DEVICES USING OUR SERVICES
     
     When you access the Service via a web browser, mobile application,
     newsletter, or other device, we and other parties use a variety of
     technologies that automatically collect information about your device and
     how your device interacts with our Service, including cookies, pixels,
     device IDs, localStorage, and other similar technologies. Some of these
     technologies store data that may be considered personal information in the
     browser or on your device. Other technologies may use network-related or
     other information to recognize your device (e.g., IP address). The
     categories of information we automatically collect include the following:
     
     * Service Use Data. We collect data about your interaction with our
       Service, the webpage, newsletter, or services feature you were using
       before you came to our Service, your web or application request, pages of
       our websites that you visit, information you search for via our Service,
       access times and dates, and other similar information.
     * Activity Information. We collect data when you access and interact with
       our Services, including browser or device model and settings, operating
       system, and unique identifiers, clickstream data, cookies and
       localStorage, browsing history, search history, web-based location, IP
       address, geolocation, and any other internet usage information our
       Service may automatically record when you visit.
     
     We use this information for a variety of purposes (further addressed in the
     “Use of Your Information” section below), including analyzing and enhancing
     our products and services, personalizing our Service for you, and, for our
     website users, serving advertising.
     
     For further information on how we use tracking technologies for analytics
     and advertising and your rights and choices regarding them, please see the
     “Analytics and Advertising Technology” and “Your Advertising Choices”
     sections below.
     
     INFORMATION FROM OTHER SOURCES
     
     We may supplement the information we collect with information from other
     sources, such as publicly available information about your online and
     offline activity from social media services, analytics and advertising
     technology companies, advertisers, commercially available sources,
     information from other companies under a common control (“Company
     Affiliates”), or clients or business partners with which we offer
     co-branded services.
     
     Depending on your interactions with us, we may not have collected
     information from you for each of the categories above. We are not
     responsible for the accuracy of any information provided by other parties
     or for their policies or practices.

 3.  USE OF YOUR INFORMATION
     
     We collect and use information for our business and commercial purposes in
     accordance with the practices described in this Privacy Policy, and as
     permitted under applicable law. Our business purposes for collecting and
     using information include:
     
     * To operate and manage our Service, including your registration and
       accounts on our websites;
     * To provide the products and services you request and purchase, allow you
       to participate in panels, events, sweepstakes and contests, and carry out
       the transactions you have requested;
     * To facilitate the creation and maintenance of, as well as to secure, your
       membership and/or subscription account;
     * To provide you with customer support and respond to your questions; this
       may include the use of chatbots. Please note that the inquiries and
       responses to those chatbots may be transcribed and retained.
     * To communicate with you regarding updates, technical notices, orders,
       security alerts, administrative messages, and information regarding
       changes to our policies;
     * To provide, market, and develop our products and services, including to
       maintain our websites and mobile applications, troubleshoot, conduct data
       analysis, test and research, and better understand the interests of our
       users, readers, and subscribers who use our services and products;
     * To maintain the safety, security, and integrity of our Service, for
       example, by authenticating users and providing account security and fraud
       detection. We may also use your information to monitor, detect, and
       prevent fraud and improper or illegal activity;
     * To deliver video content to you in the ordinary course of our business;
     * To conduct market research and develop quality assurance, including to
       study, develop, and improve our products and services. This may include
       measuring and analyzing audience traffic, including tracking user
       interests, trends, and patterns. We may, in accordance with applicable
       law, also aggregate, anonymize, and/or deidentify personal information we
       collect and use it for any purpose, including product development and
       improvement activities;
     * To comply with legal requirements and/or to investigate or address claims
       or disputes relating to your use of our Service. This would include the
       use of your information to comply with our legal and regulatory
       obligations, to defend ourselves in litigation and investigations, and to
       prosecute litigations;
     * To debug our systems, to secure our online services, including our
       network and websites, and to debug our online services;
     * To send you surveys, news and/or marketing communications (by email,
       phone, or text) subject to your marketing preferences, consent, and
       choices, including information about us or third party offerings we think
       may be of interest to you;
     * To protect the security of our products, services, and business;
     * To help recognize you as a previous visitor and save and remember your
       preferences and settings and deliver to you appropriate interest-based
       content;
     * To conduct internal business purposes, including for data analysis,
       audits, and enhancing our services. We may also use inferences drawn from
       personal information, as permitted by applicable law, to create a profile
       reflecting your preferences so we can tailor our services to you;
     * To enhance and personalize our Service, products and our marketing
       efforts;
     * To develop and serve advertisements on our Website or through e-mails or
       other communications; and
     * To conduct marketing research.
     
     We may also use your information with your consent, including, to
     administer promotions you have entered and fulfill any other purpose
     disclosed to you and with your consent.
     
     Notwithstanding the above, we may use information that does not identify
     you (including information that has been aggregated or deidentified),
     except as prohibited by applicable law. For information on your rights and
     choices regarding how we use information about you, please see the “Your
     Advertising Choices” section below.

 4.  INFORMATION DISCLOSURE
     
     We may disclose some or all of the personal information collected from or
     about you with any of the following entities and for any of the purposes
     directly below.
     
     OUR SERVICE PROVIDERS
     
     We engage companies and individuals to perform services on our behalf
     (e.g., software maintenance services, cloud storage, chatbot providers,
     order fulfillment, e-mail services, delivery services, database management,
     analytics, credit referencing, payment processing, and other services)
     (“Service Providers”). We may disclose some of the information we collect
     from or about you to our Service Providers, such as information collected
     automatically from devices you use to connect to our Service. This may
     include usage and technical information about how users interact with our
     Service, including activity data such as where you go on our website, how
     you use different website features, links you click on, and similar
     information. We may also disclose some of the information that we collect
     from or about you with other parties in order to process and fulfill your
     requests for video content offered through our Service, including to
     provide you with access to localized content and video content
     recommendations.
     
     These Service Providers have access to your personal information so that
     they may perform these tasks on our behalf and they are prohibited by us
     from using or disclosing your information for any purpose other than to
     provide this assistance, except to the extent required by law. We may
     permit our Service Providers to use aggregate information which does not
     identify you or deidentified data for other purposes, consistent with
     applicable law.
     
     ADVERTISING PARTNERS
     
     We may provide personal information to third parties, such as advertising
     partners or other marketing partners who provide services to us.
     
     SOCIAL NETWORKS
     
     Some features of our Service may enable you to post content to social
     networking services (“SNSs”). If you choose to do this, we will provide
     information to such SNSs in accordance with your elections. You acknowledge
     and agree that you are solely responsible for your use of those websites
     and that it is your responsibility to review the terms of use and privacy
     policy of the third party provider of such SNSs. We will not be responsible
     or liable for: (i) the availability or accuracy of such SNSs; (ii) the
     content, products or services on or availability of such SNSs; or (iii)
     your use of any such SNSs. Please refer to the “Social Media Services and
     Technology Integrations” section for more information on the use of Social
     Media.
     
     AFFILIATES
     
     We may also disclose your personal information to our parent company,
     subsidiaries, joint ventures, or Company Affiliates.
     
     CLIENTS
     
     We may disclose your personal information to our clients in connection with
     us processing your personal information on their behalf. For example, if
     you subscribe to our newsletters and promotional communications, Business
     Insider or EMARKETER may send you content on behalf of their clients and
     disclose your personal information to such clients for their own marketing
     purposes.
     
     BUSINESS PARTNERS AND SPONSORS
     
     We may disclose your personal information to our business partners in
     connection with offering you co-branded services, selling or distributing
     our products, or engaging in joint marketing activities. In addition, if
     you choose to participate in certain of our programs or to receive certain
     content we make available (e.g., webinar programs), we may disclose your
     information to participating sponsors, content providers, and related
     vendors in connection with such programs and content.
     
     FACILITATING REQUESTS
     
     We may disclose your personal information to facilitate your requests such
     as when you choose to disclose information to a social network about your
     activities on the Service or participate in a business partner’s program.
     
     PAYMENT SERVICE
     
     In some cases, we may use an unaffiliated payment service to allow you to
     purchase a product or make payments ("Payment Service"). If you wish to
     purchase a product or make a payment using a Payment Service, you will be
     directed to a Payment Service webpage. Any information that you provide to
     a Payment Service will be subject to the applicable Payment Service’s
     privacy policy, rather than this Privacy Policy. We have no control over,
     and are not responsible for, any Payment Service’s use of information
     collected through any Payment Service. If you purchase one of our services,
     we and/or Payment Service provider(s) may use payment information to help
     provide the service you purchased. For example, payment information may be
     used to retrieve account information for a subscriber, to determine whether
     a subscriber is eligible for promotions, and to detect abuse of our
     services. In addition, for your convenience, we or our Payment Service
     provider(s) may enable your payment information to be accessible between
     Business Insider and EMARKETER in order to process your transaction more
     efficiently.
     
     VENDORS AND OTHER PARTIES
     
     We may disclose personal information to vendors and other parties, for
     business and commercial purposes, including analytics and advertising
     technology companies that measure and improve our service, advertising
     effectiveness and enable other enhancements on our website. Our app does
     not disclose personal information to vendors and other parties for purposes
     of targeted advertising or advertising measurement purposes. Vendors or
     such other parties may act as our Service Providers, or in certain
     contexts, independently decide how to process your information. For more
     information on practices related to advertising and analytics, see the
     “Analytics and Advertising Technology” section below.
     
     COMPLIANCE WITH LAWS, LEGAL PROCESS, AND AUTHORITIES
     
     We reserve the right to disclose your information to respond to valid
     information requests from government authorities and judicial requests, to
     investigate potential fraud, or where otherwise required by law. We may
     disclose your personal information where we believe the disclosure is
     necessary or appropriate to comply with regulatory or legal requirements,
     or to protect the safety, rights, or property of ourselves and others and
     to exercise, establish, or defend our legal rights.
     
     BUSINESS TRANSFERS
     
     Circumstances may arise where, whether for strategic or other business
     reasons, we may sell, transfer or otherwise disclose some or all of our
     assets, including your personal information, in connection with a merger,
     acquisition, reorganization or sale of assets or in the event of
     bankruptcy.
     
     AT YOUR DIRECTION
     
     We may disclose your personal information at your direction or with your
     consent.
     
     THE GENERAL PUBLIC
     
     We may disclose personal information with the general public if you choose
     to disclose personal information when contributing content to our Service
     through forums, blogs, social features, or the like.
     
     AGGREGATE AND/OR DEIDENTIFED DATA
     
     Without limiting the foregoing, in our sole discretion, we may disclose
     information, including aggregate data which does not identify you and/or
     deidentified personal information, to third parties or affiliates for any
     purpose except as prohibited by applicable law. To the extent we process
     deidentified personal information, as defined under applicable law, we will
     maintain and use that information in deidentified form and will not attempt
     to reidentify the information except as permitted by applicable law.

 5.  OTHER PARTIES
     
     Our Service contains links to, or content from, other party’s websites and
     other products and services. The fact that we link to a website or display
     an advertisement or other party’s content is not an endorsement,
     authorization or representation of our affiliation with any of those other
     parties, nor is it an endorsement of their privacy or information security
     policies or practices.
     
     We do not exercise control over other parties’ websites, products or
     services, and whether they store information in the U.S. or elsewhere.
     These other products and services may place their own cookies or other
     technologies on your computer or other device, collect data, or solicit
     information from you while you are exploring their websites, products, or
     services. Other persons and entities follow different rules regarding the
     use or disclosure of the information you submit to them or they collect
     from you. We encourage you to learn about the privacy practices of those
     other parties.

 6.  SOCIAL MEDIA SERVICES AND TECHNOLOGY INTEGRATIONS
     
     BLOGS, SOCIAL MEDIA AND OTHER PUBLIC FORUMS
     
     We may offer blogs, social media profiles, message boards, bulletin boards,
     or similar public forums where you and other users of our Service can post
     content or otherwise communicate. If you post personal information on a
     public forum, we will assume you intend to make that personal information
     public. We may use your name to identify you with a posting in a public
     forum and may use your post on or in connection with our Service (e.g.,
     when using a hashtag associated with Business Insider in a tweet or status
     update). Any personal information you disclose in a public forum is public
     information and may be seen or collected by other persons, including third
     parties that do not adhere to the standards set forth in this Privacy
     Policy. We are not responsible for events that may arise from the
     distribution of any information you choose to publicly post or share
     through our online services.
     
     In addition, to the extent you interact with social networks or other
     services through the Service (such as “liking” or “sharing” our content or
     otherwise connecting our Service to a social network), information
     collected and stored by those other parties through your interaction or
     pages that contain their tracking technologies remains subject to their
     policies and practices, including whether they disclose information about
     you to us, the types of information disclosed, and your choices on what is
     visible to others.
     
     We are not responsible for and make no representations regarding the
     policies or business practices of any other parties or their services and
     encourage you to familiarize yourself with and consult their privacy
     policies and terms of use.
     
     ANALYTICS AND ADVERTISING TECHNOLOGY
     
     Our Service may contain tracking technologies owned and operated by other
     parties. For example, we use tracking technologies from analytics services,
     for example Google Analytics, to help us understand how users access and
     use the Service. Our app does not use these technologies for targeted
     advertising or advertising measurement purposes.
     
     We may also work with ad networks, advertisers, agencies, and other
     technology services to place advertisements on our website and/or other
     websites and services. These parties may set and access cookies and other
     technologies on your personal computer and/or device and track certain
     behavioral information regarding users of your personal computer and/or
     device. As noted above, these website cookies and other technologies are
     set to, among other things: (a) track your activities across time and
     services for purposes of measuring conversions or actions you take,
     associating different devices you use, and serving ads and/or other content
     targeted to your interests (“Interest-based Advertising”); (b) prevent you
     from seeing the same advertisements too many times; and (c) understand the
     usefulness to you of the advertisements that have been delivered to you.
     
     We may also use audience matching services (which is a type of
     Interest-Based Advertising) to reach people (or similar audiences) who have
     visited our website or are identified in one or more of our databases. For
     example, we may disclose hashed email addresses to an ad partner to
     determine if there are common matching factors between our data and their
     data in order to serve you more personalized ads.
     
     As discussed above, vendors and ad partners may act as our Service
     Providers, or in certain contexts, independently decide how to process your
     information. We encourage you to familiarize yourself with and consult
     their privacy policies and terms of use. For further information on your
     choices regarding these third party tracking technologies, please see the
     section entitled “Your Advertising Choices” below.

 7.  YOUR ADVERTISING CHOICES
     
     TRACKING TECHNOLOGIES GENERALLY
     
     Cookies and location-identifying technologies may generally be disabled or
     removed by tools available as part of most commercial browsers, and in some
     instances blocked in the future by selecting certain settings. Browsers
     offer different functionalities and options so you may need to set them
     separately. Also, you may be able to exercise specific privacy choices,
     such as enabling or disabling certain location-based services, by adjusting
     the permissions in your device. Please be aware that if you disable or
     remove these technologies some parts of the Service may not work and that
     when you revisit the Service your ability to limit browser-based tracking
     technologies is subject to your browser settings and limitations.
     
     DO NOT TRACK
     
     Your browser settings may allow you to automatically transmit a “Do Not
     Track” signal to online services you visit. Note, however, there is no
     industry consensus as to what site and app operators should do with regard
     to these signals. Accordingly, unless and until the law is interpreted to
     require us to do so, we do not monitor or take action with respect to “Do
     Not Track” signals or other mechanisms. We do, however, respond to global
     privacy preferences when required by law.
     
     ANALYTICS AND ADVERTISING TRACKING TECHNOLOGIES
     
     You may exercise choices regarding the use of cookies from Google Analytics
     by going to https://tools.google.com/dlpage/gaoptout and downloading the
     Google Analytics Opt-Out Browser Add-on.
     
     Some of the advertisers and vendors that perform advertising-related
     services for us and our partners participate in the Digital Advertising
     Alliance (“DAA”) Self-Regulatory Program for Online Behavioral Advertising.
     To learn more about how you can exercise certain choices regarding
     Interest-based Advertising, visit http://www.aboutads.info/choices, and
     http://www.aboutads.info/appchoices for information on the DAA’s opt-out
     program for mobile applications. Some of these companies are also members
     of the Network Advertising Initiative (“NAI”). To learn more about the NAI
     and your opt-out options for their members, see
     http://www.networkadvertising.org/choices/.
     
     Please be aware that, even if you are able to opt out of certain kinds of
     Interest-based Advertising, you may continue to receive other types of ads.
     Opting out only means that those selected members should no longer deliver
     certain Interest-based Advertising to you but does not mean you will no
     longer receive any targeted content and/or ads (e.g., from other ad
     networks). Business Insider is not responsible for effectiveness of, or
     compliance with, any third parties’ opt-out options or programs or the
     accuracy of their statements regarding their programs.
     
     Additionally, we may collaborate with our service providers and identity
     partners ("Identity Resolution Partners") to deliver targeted advertising
     and identify the different devices and browsers you may use to access our
     Services. We and our Identity Resolution Partners may facilitate identity
     resolution by creating probabilistic and deterministic identifiers. These
     identifiers may use personal information, including your name, email
     address, phone number, and Activity Information to generate an online
     identifier reasonably linkable to you and/or your device or browser. For
     example, we may disclose hashed email address, phone number, or other
     information about your device to our Identity Resolution Partners, whom
     may, in turn, return an online identifier that we may store in a first
     party cookie or similar technology and disclose to our advertising partners
     to provide you a more personalized advertising experience. These
     identifiers also help us with fraud detection and security, enforce our
     Terms of Service, among other things. We are not responsible for the
     privacy practices of our Identity Resolution Partners, which are separate
     from our own and not covered by this Privacy Policy.
     
     You may have additional rights related to these technologies depending on
     your state of residency, as outlined in Section 12 below.
     
     COMMUNICATIONS
     
     If you decide at any time that you no longer wish to receive newsletters or
     promotional communications from us, please follow any unsubscribe
     instructions provided in our communications to you, update your user
     preferences via our subscription management tools on our Service, or
     contact us as set forth in the section below entitled “Contact Us”, and
     specify your request. Please note that you cannot opt out of
     non-promotional e-mails, and we may use your information to contact you
     with important notifications, such as notices with respect to purchases,
     safety, or changes to our terms, conditions, and policies. Also, your
     unsubscribe is limited to the e-mail address or phone number used for that
     particular subscription and will not affect subsequent subscriptions.
     
     OTHER RIGHTS SPECIFIC TO YOUR LOCATION
     
     Residents of certain jurisdictions, including, California, Virginia,
     Connecticut, Colorado, Utah, Texasm, Oregon, Montana other U.S. states with
     similar privacy laws, the European Economic Area, and the United Kingdom,
     have specific rights with respect to our collection, use, and disclosure of
     personal information. Please review our location-specific sections below
     for more information about those rights.

 8.  SECURITY AND DATA RETENTION
     
     We employ appropriate security measures designed to protect your
     information from unauthorized access, alteration, disclosure, or
     destruction. Please be advised, however, that while we strive to protect
     your information and privacy, we cannot guarantee or warrant the security
     of any information you disclose or transmit to us online and are not
     responsible for the theft, destruction, or inadvertent disclosure of your
     information.
     
     If you suspect unauthorized use of personal information that you have
     provided us – such as your account information or its credentials – you
     should notify us immediately using the information in the Contact Us
     section at the end of this Privacy Policy.
     
     We will retain your information for the period necessary to fulfill the
     purposes outlined in this Privacy Policy unless a longer retention period
     is required or allowed by law. Remember that even after you cancel your
     account, or if you ask us to delete your personal information, copies of
     some information from your account may remain viewable in some
     circumstances where, for example, you have shared information with social
     media or other services. Because of the nature of caching technology, your
     account may not be instantly inaccessible to others. We may also retain
     backup information related to your account on our servers for some time
     after cancellation or your request for deletion, for fraud detection or to
     comply with applicable law or our internal security or recordkeeping
     policies. It may not always be possible to completely remove or delete all
     of your information due to technical constraints or contractual, financial
     or legal requirements.

 9.  LOCATION OF DATA
     
     Our Services are hosted in and managed from the United States. If you are a
     user located outside the United States, you understand and consent to
     having any personal information processed in the United States or in any
     other country in which we have facilities or in which we engage service
     providers. The United States and other countries’ data protection laws may
     not be the same as those in your jurisdiction. In certain circumstances,
     courts, law enforcement agencies, regulatory agencies or security
     authorities in the United States may be entitled to access your personal
     information.
     
     To the extent that the Company offers products and services to individuals
     located in the European Economic Area or United Kingdom, or to the extent
     the Service is deliberately made available to such individuals, please
     review the section titled “Additional Disclosures for Data Subjects in
     Europe” below for more information about disclosures and privacy rights
     associated with that activity.

 10. CHANGES TO THIS PRIVACY POLICY
     
     We reserve the right to update this Privacy Policy at any time. If we make
     changes, we will revise this Privacy Policy to reflect such changes and
     revise the effective date included at the beginning of this policy. We may
     provide you additional notice (such as to your e-mail address) if the
     changes are material. Your use of the Service following any such notice
     will signify and constitute your assent to and acceptance of such revised
     Privacy Policy.

 11. CONTACT US
     
     If you have any questions about this Privacy Policy, including our
     compliance with applicable law, please feel free to contact
     
     EMARKETER directly:
     
     * By e-mail at privacy@emarketer.com
     
     Business Insider directly:
     
     * By e-mail at privacy@insider-inc.com
     * For EU specific questions, please email us at euprivacy@insider-inc.com.
     * If you have a disability and would like to access this Privacy Policy in
       an alternative format, please review the Insider Inc. Accessibility
       Statement.
 12. ADDITIONAL DISCLOSURES FOR RESIDENTS OF CALIFORNIA, VIRGINIA, COLORADO,
     CONNECTICUT, UTAH, TEXAS, OREGON, MONTANA AND OTHER U.S. STATES WITH
     SIMILAR PRIVACY LAWS
     
     Depending on where you live, you may have certain additional rights
     regarding your personal information. This section provides information for
     consumers residing in California, Virginia, Colorado, Connecticut, Utah,
     Texas, Oregon, or Montana in connection with the laws in those states, and
     other states with similar privacy laws (“Applicable Laws”). Under these
     Applicable Laws, and for purposes of this Section, “Personal Data” and/or
     “Personal Information” generally mean information that identifies, relates
     to, or describes a resident in one of the Applicable States and, depending
     on the state of residency, may also include information that is linkable or
     linked to a device. Personal information does not include publicly
     available information; lawfully obtained, truthful information that is a
     matter of public concern; information that has been deidentified or
     aggregated; or other information covered by certain sector-specific privacy
     laws, as consistent with state law. We do not reidentify Personal Data
     and/or Personal Information that has been deidentified. We and our
     advertising partners use certain Personal Data and/or Personal Information
     to deliver online advertisements to you on your devices tailored to your
     interests when you visit our website. This may be considered “sharing” or
     “selling” under California law, "selling" under Colorado, Connecticut,
     Texas, Oregon, and Montana law, and "targeted advertising" under Virginia,
     Colorado, and Connecticut, Utah, Texas, Oregon, and Montana law. This
     Section provides details about the categories of Personal Data and/or
     Personal Information of consumers in California, Virginia, Colorado,
     Connecticut, Utah, Texas, Oregon, Montana and other U.S. states with
     similar privacy laws that we have collected, disclosed, processed for
     purposes of targeted advertising, “shared”, or “sold” during the last 12
     months, as well as rights consumers have under Applicable Laws.
     
     Any capitalized term used and not otherwise defined below has the meaning
     assigned to it in our Privacy Policy.
     
     A. CATEGORIES OF PERSONAL DATA AND/OR PERSONAL INFORMATION COLLECTED,
     DISCLOSED, “SHARED”, “SOLD”, OR PROCESSED FOR TARGETED ADVERTISING
     
     The categories of Personal Data and/or Personal Information that we
     collected, disclosed, “shared” (under the California law), processed for
     purposes of targeted advertising (under the Virginia and Utah laws) or
     “sold” (under the California, Colorado, Connecticut, Texas, Oregon, and
     Montana laws) are below, along with the purposes for processing, and
     categories of third parties to whom each category of Personal Data and/or
     Personal Information was disclosed, “shared”, “sold”, or processed for the
     purpose of targeted advertising. Please note that we process some
     categories of Personal Data and/or Personal Information in connection with
     targeted advertising, which could be considered “sharing” under the
     California law or “selling” under the California, Colorado, Connecticut,
     Texas, Oregon, or Montana laws. Depending on how you interact with us, we
     may not have processed Personal Information about you for each (or any) of
     these purposes. Please note, since our mobile application requires a paid
     subscription after accessing three complementary articles, our mobile
     application does not sell, share, or process Personal Information and/or
     Personal Data for targeted advertising purposes. Additionally, we do not
     knowingly sell or share Personal Data and/or Personal Information of
     children under 16 years of age.
     
     We have provided detailed descriptions below on the data collection, use,
     and disclosure practices of our companies depending on which service you
     use.
     
     Category of Personal Information CollectedCategories of Parties to Whom
     Personal Information Is DisclosedCategories of Third Parties to Whom
     Personal Information is “Sold” or “Shared”, or Disclosed for the Purpose of
     Targeted Advertising“Sold” / Processed for Targeted AdvertisingIdentifiers,
     such as name, IP address, email address, phone number, account name and
     password (and other information used for authentication purposes, and
     online and device identifiersService providers, Company Affiliates, and
     other providers or partners that support our operational business
     purposesAdTech partners; Company Affiliates; advertisers Yes Personal
     information, as defined in the California Customer Records law, such as
     contact and financial informationService providers, Company Affiliates, and
     other providers or partners that support our operational business
     purposesN/AN/ACharacteristics of protected classifications under California
     law or federal law, such as age, gender, country of origin or residence,
     and other information you may provide in connection with your profile on
     our Service Service providers, Company Affiliates, and other providers or
     partners that support our operational business purposesN/AN/ACommercial
     information, such as transaction information and purchase historyService
     providers, Company Affiliates, and other providers or partners that support
     our operational business purposesAdTech partners; Company Affiliates;
     advertisers Yes Internet or network activity information, such as browsing
     history and interactions with our websites or appsService providers,
     Company Affiliates, and other providers or partners that support our
     operational business purposes AdTech partners; Company Affiliates;
     advertisers Yes Geolocation data, such as device locationService providers,
     Company Affiliates, and other providers or partners that support our
     operational business purposes N/A N/A Audio, electronic, visual and other
     similar information, such as call recordings, and photographic
     imagesService providers, Company Affiliates, and other providers or
     partners that support our operational business purposes N/A N/A
     Professional or employment-related information, such as job title and
     company name, size, email address, phone number, postal address, and
     related information regarding employees and other representatives of our
     enterprise clients.Service providers, Company Affiliates, and other
     providers or partners that support our operational business purposesAdTech
     partners; Company Affiliates; advertisers Yes Inferences drawn from any of
     the Personal Information listed above to create a profile or summary about,
     for example, an individual’s preferences and characteristicsService
     providers, Company Affiliates, and other providers or partners that support
     our operational business purposes AdTech partners; Company Affiliates;
     advertisers Yes
     
     Please note that we may process Personal Data and/or Personal Information
     in each of the above categories in order to protect ours and others’
     rights, and/or to complete a merger or sale of assets or other corporate
     transaction. Please note that we do not sell Personal Data and/or Personal
     Information for monetary consideration.
     
     Under California, Colorado, Virginia, Connecticut, and Utah, Texas, Oregon
     and Montana laws, “sale” (and “share” in California) does not include, for
     example, the transfer of Personal Data and/or Personal Information as an
     asset that is part of a merger, bankruptcy, or other similar transaction
     involving all or any portion of our business.
     
     B. SOURCES OF COLLECTED PERSONAL INFORMATION
     
     In general, we only collect Personal Data and/or Personal Information that
     is reasonably necessary for and proportional to the purposes for which we
     process it. We collect this Personal Data and/or Personal Information
     directly from California, Virginia, Colorado, Connecticut, Utah, Texas,
     Oregon, and Montana residents themselves, as well as from social media
     platforms (e.g., if the individual has connected a social media account to
     our website); referrals; joint marketing, co-branding, co-promotional, or
     advertising partners; and sources of demographic and other information,
     including through devices you used to interact with us through our
     Services. All sources of personal information collected are noted in the
     “Information Collection” section above.
     
     C. DATA RETENTION
     
     We will retain Personal Data and/or Personal Information from or about you
     as reasonably necessary and proportionate to achieve the purpose(s) for
     which the Personal Information was collected or processed as outlined in
     this Section unless a longer retention period is required or allowed by
     law.
     
     D. SENSITIVE PERSONAL INFORMATION
     
     We do not process “sensitive” Personal Information for purposes other than
     those permitted by applicable law (such as, in California, to provide the
     services and for security purposes). Additionally, we may process
     “sensitive” Personal Data for approved purposes under Applicable Laws, such
     as to provide you with the product or services you requested or prevent,
     detect, and respond to security incidents.
     
     E. PURPOSES
     
     We may use this personal information for the following purposes, including
     commercial purposes:
     
     * to operate, manage, and maintain our business;
     * to provide our Services;
     * to accomplish our business purposes and objectives;
     * to allow you to participate in panels, events, sweepstakes and contests,
       and carry out the transactions you have requested;
     * to develop, improve, repair, and maintain our Services;
     * to engage in targeted advertising;
     * to conduct research and analytics;
     * to take quality assurance and safety assurance measures;
     * to conduct risk assessments and effectuate security controls;
     * to deliver video content in the ordinary course of business;
     * to detect and prevent fraud;
     * to verify your identity;
     * to conduct audits and other internal functions;
     * to comply with the law, legal process, and internal policies;
     * to maintain records; and
     * to exercise and defend legal claims.
     
     Depending on your interactions with us, we may not have used Personal Data
     and/or Personal Information collected about that resident for each (or any)
     of these purposes.
     
     F. YOUR PRIVACY RIGHTS UNDER APPLICABLE STATE LAW
     
     If you are a resident of California, Virginia, Connecticut, Utah, Colorado,
     Texas, Oregon, Montana or other U.S. states with similar privacy laws, you
     may have the following rights with respect to any information about you
     that constitutes “Personal Information” under California law and “Personal
     Data” under other state laws, as described below.
     
     We are required by law to verify your identity in connection with any
     request in order to prevent unauthorized access of your data. Failure to
     verify your identity may result in your request not being processed. Where
     required by applicable law, we will notify you if we deny your request and
     notify you of the reasons we are unable to honor your request.
     
     Right to Know and Access: You may request to access the following
     information we have collected and maintain about you in a portable form:
     
     * The specific pieces of Personal Data and/or Personal Information we
       collected about you;
     * The categories of Personal Data and/or Personal Information we collected
       about you and the categories of sources;
     * The business or commercial purpose for collecting, disclosing, or selling
       Personal Data and/or Personal Information about you; and,
     * The categories of Personal Data and/or Personal Information about you
       that we sold, shared, or otherwise disclosed and the categories of third
       parties (or, depending on your state of residence, a list of specific
       third parties) to whom we sold, shared, or otherwise disclosed that
       Personal Data and/or Personal Information.
     
     Please note that, in some instances, we may decline to honor your request
     or only honor your request in part, where, for example, we are unable to
     verify your identity or an exception to this right applies.
     
     Right to Delete: You may request that we delete the Personal Data and/or
     Personal Information we have collected from you. Please note that, in some
     instances, we may decline to honor your request or only honor your request
     in part, where, for example, we are unable to verify your identity or an
     exception to this right applies.
     
     Opt Out of “Sale”, “Shares”, and Targeted Advertising: Depending on the
     state you reside in, website users have the right to opt out of the “sale”
     of your data and the disclosure of your data for cross-context behavioral
     advertising/targeted advertising (known as a “share” in California). We
     also honor alternative opt-out signals, such as the GPC. We process opt-out
     preference signals in a frictionless manner. Since our mobile application
     requires a paid subscription after accessing three complementary articles,
     our mobile application does not sell, share, or process Personal
     Information and/or Personal Data for targeted advertising purposes. Please
     note that we do not sell Personal Information for monetary consideration.
     
     Right to Correction: You have a right to request the correction of
     inaccurate Personal Data and/or Personal Information that we may have on
     file about you. Please note that, in some instances, we may decline to
     honor your request or only honor your request in part, where, for example,
     we are unable to verify your identity or an exception to this right
     applies.
     
     Right to Non-Discrimination: You have the right to be free from unlawful
     discrimination for exercising your above-listed rights under Applicable
     Laws.
     
     Right to Appeal: Depending on your state of residence, you may have the
     right to request an appeal our action in response to a consumer request.
     
     G. HOW TO SUBMIT A REQUEST.
     
     In order to exercise your Right to Opt Out of “Sales”, “Shares”, and
     Targeted Advertising, please visit our "Your Privacy Choices" page here.
     
     To exercise to exercise your other rights described above, please submit a
     request in one of the following ways:
     
     * For Business Insider, you can email us at privacy@insider-inc.com with
       details of your request.
     * For EMARKETER, click here and follow the instructions. You can also email
       us at privacy@emarketer.com with details of your request.
     
     We may require, or provide you with the opportunity to provide, additional
     information from you to help us verify your identity and process your
     request. If we are unable to verify your identity, we may deny your
     requests to know, correct, or delete.
     
     If personal information about you has been processed by us as a service
     provider on behalf of a client and you wish to exercise any rights you have
     with such personal information, please inquire with our client directly. If
     you wish to make your request directly to us, please provide the name of
     our client on whose behalf we processed your personal information. We will
     refer your request to that client and will support them to the extent
     required by applicable law in responding to your request.
     
     If you are a Virginia resident and wish to appeal our decision with regard
     to a request that you have previously made, please contact us using the
     information above or notify the Office of the Attorney General of Virginia
     by clicking here. Depending on your state of residence, in order to
     exercise your Right to Appeal our action in response to your request,
     please email us using the email addresses noted above.
     
     H. REQUESTS BY AUTHORIZED AGENTS
     
     Depending on your state of residence, you have the right to submit a
     request through the methods detailed above through an authorized agent. If
     you are an authorized agent acting on behalf of a resident to communicate
     with us or to exercise a privacy right discussed above, you must be able to
     demonstrate that you have the requisite authorization to act on behalf of
     the resident and have sufficient access to their laptop, desktop, or mobile
     device to exercise these rights digitally. If you are an authorized agent
     trying to exercise rights on behalf of a consumer, please contact us at the
     contact information below with supporting verification information, which
     includes proof that you have access to the consumer’s interface and proof
     of your own identify
     
     I. NOTICE OF FINANCIAL INCENTIVES
     
     We offer incentives on products or services, such as discounts or exclusive
     offers, by enrolling in newsletters or other programs ("Program"). The
     Program may be considered a financial incentive or loyalty program under
     certain US Privacy Laws. Participation in the Program is entirely
     voluntary. If you would like to participate in the Program, please opt-in
     by signing up. If you sign up, you will receive:
     
     * A discount; and/or
     * Exclusive deals and independent product reviews.
     
     When you decide to participate in the Program, we will collect your name,
     email, and/or country (depending on which you voluntarily provide to us)
     (collectively, "Registration Information"). Registration Information may
     also be disclosed to Service Providers or other providers or partners that
     support our operational business purposes. By voluntarily opting into this
     Program, you will receive a discount, access to exclusive deals and
     independent product reviews, and/or you may also receive content from us
     through email.
     
     If you decide you no longer wish to participate in the Program, you may
     withdraw at any time by sending an email to privacy@insider-inc.com or
     privacy@emarketer.com, as applicable.
     
     We estimate that the value of your data is equal to the value of the
     discount provided and/or access to exclusive deals and independent product
     reviews. Registration Information enables us to deliver personalized
     content, offers, discounts, and value to you, which enables us to establish
     a relationship with you, and is valued by Business Insider in order to
     facilitate a positive customer experience. In determining the value of the
     Registration Information, we consider the profit generated from purchasing
     goods from us and our advertising partners that includes personal
     information, which is reasonably correlated to the value provided to you
     through personalized content, discounts, or offers.
     
     J. CCPA METRICS FOR 2023
     
     Our California Consumer Privacy Act (“CCPA”) metrics for the previous
     calendar year are as follows:
     
     * Number of requests to delete that were received, complied with in whole
       or in part, and denied: 1,270
     * Number of requests to correct that were received, complied with in whole
       or in part, and denied: 9
     * Number of requests to opt-out of sale/sharing that were received,
       complied with in whole or in part, and denied: 37
     * The median or mean number of days it took to substantively respond (i.e
       not the 10 day “confirmation of receipt” window); 13.25 days
     
     K. SHINE THE LIGHT
     
     Customers who are residents of California may request (i) a list of the
     categories of personal information disclosed by us to third parties during
     the immediately preceding calendar year for those third parties’ own direct
     marketing purposes; and (ii) a list of the categories of third parties to
     whom we disclosed such information. To exercise a request, please write us
     at the email or postal address set out in “Contact Us” section above and
     specify that you are making a “California Shine the Light Request.” We may
     require additional information from you to allow us to verify your identity
     and are only required to respond to requests once during any calendar year.

 13. ADDITIONAL DISCLOSURES FOR DATA SUBJECTS IN EUROPE AND UNITED KINGDOM
     
     DATA CONTROLLER
     
     This section applies to any individuals located within the European
     Economic Area (EEA), United Kingdom (UK), Switzerland, or any jurisdiction
     to which similar privacy laws apply, from whom we may have collected
     personal data from any source, including through your use of our Services.
     We provide this Notice to comply with applicable privacy laws, including
     the General Data Protection Act (“GDPR”), the UK GDPR, and related laws,
     regulations, and guidance from the European Union and/or its member states.
     Any capitalized term used and not otherwise defined below has the meaning
     assigned to it in our Privacy Policy.
     
     For the purposes of this Notice, “personal data” means any information
     relating to an identified or identifiable natural person.
     
     EU and UK data protection law makes a distinction between organizations
     that process personal data for their own purposes (known as “data
     controllers”) and organizations that process personal data on behalf of
     other organizations (known as “data processors”). Both Business Insider and
     EMARKETER may act as either a data controller or a data processor in
     respect of your personal data, depending on the circumstances. We generally
     act as data controller with respect to information you provide through the
     Service. Sometimes we operate as a data processor on behalf of a client, a
     separate legal entity, which is the data controller. For example, if you
     subscribe to our newsletters and promotional communications, we may send
     you content on behalf of our clients and share your personal data with our
     clients for their own marketing purposes. Please visit the applicable
     client’s privacy policy for information about their privacy practices. Any
     questions that you may have relating to such personal data and your rights
     under data protection law should therefore be directed to the client as the
     data controller, not to Business Insider or EMARKETER.
     
     BASIS FOR PROCESSING YOUR PERSONAL DATA
     
     We rely on one or more legal bases to process your personal data under
     applicable law. We may process personal data (i) as necessary to perform
     our contractual obligations to you, including, but not limited to, those
     obligations in our terms of use; (ii) as necessary to pursue our legitimate
     interests as further detailed below; (iii) as necessary for our compliance
     with our legal obligations such as a request or order from courts, law
     enforcement or other government authorities; and/or (iv) with your consent,
     including to send you marketing email messages and other information that
     may be of interest to you, which you may withdraw at any time.
     
     LEGITIMATE BUSINESS INTERESTS.
     
     We may collect, process, and maintain personal data to pursue the
     legitimate business interests outlined below. To determine these legitimate
     interests, we balance our legitimate interests against the legitimate
     interests and rights of you and others and only process personal data in
     accordance with those interests where they are not overridden by your
     data-protection interests or fundamental rights and freedoms.
     
     While our legitimate interests are most extensively detailed in Section 3
     of this Privacy Policy, they generally include:
     
     * Provide, improve, and develop our Service, including to deliver your
       requested Services, send you messages and provide user support, customize
       the Services to better fit your needs as a user, develop new Services,
       and perform internal analytics and research and development. This also
       includes sharing personal data with our trusted service providers that
       provide services on our behalf.
     * Protect you and others and to create and maintain a trusted environment,
       such as to comply with our legal obligations, to ensure compliance our
       agreements with you and other third parties, to ensure safe, secure, and
       reliable Services, and to detect and prevent wrongdoing and crime, assure
       compliance with our policies, and protect and defend our rights,
       interests, and property. In connection with the activities above, we may
       conduct internal research and profiling based on your interactions on
       various Sites, content you submit to the Sites, and information obtained
       from third parties.
     * Provide, personalize, measure and improve our marketing, including to
       send you promotional messages and other information that may be of
       interest to you with your consent. We may also use personal data to
       understand our user base and the effectiveness of our marketing. This
       processing is done pursuant to our legitimate interest in undertaking
       marketing activities to offer products or services that may be of
       interest to you.

     YOUR PRIVACY RIGHTS

     If you are a data subject in a jurisdiction identified in this section, you
     have the right to access, rectify, or erase any personal data we have
     collected about you through the Service. You also have the right to data
     portability and the right to restrict or object to our processing of
     personal data we have collected about you through the Service. In addition,
     you have the right to ask us not to process your personal data (or provide
     it to third parties to process) for marketing purposes or purposes
     materially different than for which it was originally collected or
     subsequently authorized by you. You may withdraw your consent at any time
     for any data processing we do based on consent you have provided to us.

     To exercise any of these rights, please click here and follow the
     instructions, or contact us at privacy@insider-inc.com and specify which
     right you intend to exercise. For EMARKETER, please email your request at
     privacy@emarketer.com. We will respond to your request within 30 days. We
     may require additional information from you to allow us to confirm your
     identity. Further, if we are processing your information on behalf of one
     of our clients, we will refer you to that client, and will support them to
     the extent required by applicable law in responding to your request. Please
     note that we store information as necessary to fulfill the purposes for
     which it was collected, and may continue to retain and use the information
     even after a data subject request for purposes of our legitimate interests,
     including as necessary to comply with our legal obligations, resolve
     disputes, prevent fraud, and enforce our agreements.

     If you have any issues with our compliance or you believe that we have not
     complied with our obligations under this Privacy Policy or European or UK
     law, you have the right to make a complaint to an EU Data Protection
     Authority, such as the UK Information Commissioner's Office. You can view
     the contact information for your data protection authority here.

     DATA RETENTION

     We will only retain your information for as long as necessary to fulfill
     the purposes we collected it for. We will retain and use your information
     as necessary to satisfy any legal, accounting or reporting requirements, to
     resolve disputes or to enforce our agreements and rights. In line with this
     Privacy Policy, we will either securely delete or anonymize your data so
     that it cannot be linked back to you.

     DATA TRANSFER

     We will not transfer personal data originating from the EU to third parties
     located outside of the EU without ensuring adequate protection under
     European or UK law. Where transfer is to a party located in a third country
     not recognized by the EU Commission as ensuring an adequate level of
     protection, we will take appropriate steps to transfer the personal data
     subject to adequate safeguards, such as standard contractual clauses as
     well as other appropriate measures and safeguards.

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