Privacy Policy

Last Updated: October 20, 2015

The What It’s Worth website is managed by the Corporation for Enterprise Development, the Federal Reserve Bank of San Francisco and the Citi Foundation (together, the “Partners”). This Privacy Policy describes the Partners’ current policies and practices with regard to the collection and use of the personal data you provide to the Partners through the website, www.strongfinancialfuture.org (the “Site”). Please be sure to read this entire Privacy Policy before using, or submitting information, to the Site. If you do not agree to the terms of this Privacy Policy, do not use the Site.

The term “personal data” or “personal information” refers to personally identifiable information about you, such as your name, organization, email address or mailing address, and any other information that is identified with you personally.

Changes to This Policy

From time to time, the Partners may add new functionality and features to the Site and improve or add to its existing products, services and programs. Because of these ongoing changes, changes in the law and the changing nature of technology, the Partners’ privacy practices may change from time to time and the Partners may update this Privacy Policy. The Partners will notify you of any material changes to the Privacy Policy by posting an updated policy on the Site.

Information Collected Through the Site

The Site may collect personal information from you.  Specifically, the Site may collect personal information in connection with your request  to receive communications from What It’s Worth or request copies of the publications offered on the Site.  In order to process such requests, the Partners may collect your name, organization address, and email address.

In addition to information that you voluntarily share on the Site, the Partners may also collect information generated by a web browser, including but not limited to browser type, IP address, operating system, the date and time of a visit, the pages visited on the Site, the time spent viewing the Site, and return visits to the Site, and aggregated information as you browse the Site.

Use of Information Collected Through the Site

The Partners may use the information collected from you:

  • To operate the Site, help improve the content and functionality of the Site, conduct research, and improve your experience with the Site;
  • To respond to your request for more information and/or to speak with a member of the Partners’ team;
  • To identify or remediate possible threats to the Site’s security; and
  • To contact you in the future to tell you about content that the Partners believe will be of interest to you, for example events, news, or new articles. To opt out of receiving future communications from the Partners or What It’s Worth, please send an email to news@cfed.org.

Sharing of Your Information

The Partners may share information about you as follows:

  • With partners and agents who assist the Partners in the administration of the Site or events or activities related to the publications made available on the Site, and then only to the extent necessary to implement the event or activity, and only if the partners and agents are under an obligation not to sell or share your information.
  • With nonaffiliated third parties as required or permitted by law, or to cooperate with regulators or law enforcement authorities (e.g., government and regulatory organizations such as the Internal Revenue Service, the Securities and Exchange Commission, as well as self-regulatory organizations of which the Partners may be a member, to states where the Partners may be registered, and to parties under court order or subpoena that request this information);
  • With non-affiliated companies in order to protect against actual or potential fraud, unauthorized transactions, or to protect the security of the Partners’ records and systems, unless prohibited by law;
  • With non-affiliated third parties at your direction or for which you have provided your express consent;
  • With other third parties if required to do so to comply with law or legal requirements, enforce or apply the Terms of Use and other agreements, or protect the Partners’ rights, property, or safety of users, or others.

Except as described herein, information that is collected from the Site is not sold or shared with any individual or organization.

Links to Third Party  Sites

The Site may contain links to other websites operated by third parties.  These links are provided for your convenience and do not constitute endorsements of those websites by the Partners. The Partners have no control over the information you supply to or through these websites and disclaim responsibility for the privacy and security practices of such third party websites. The Partners encourage you to read the privacy policies of every website you visit. This Privacy Policy applies solely to information collected by the Site.

Cookies

This Site is cookie-enabled to give you a more customized user experience.  A cookie is a small piece of information that a website can store on a computer and later use to recognize a user. A purpose of cookies is to enhance your ability to receive the information you want. Users can personalize their browser settings to reject cookies, although certain features of the Site may not function as intended.

Security

The Partners take reasonable measures to help maintain the information collect through the Site in a secure manner.

Questions About the Privacy Policy

If you have any questions about this privacy policy please contact us at news@cfed.org.

Terms of Use

Effective: October 20,  2015

Important – This is a legal agreement between you (referenced herein with “you” or with “your”) and The Corporation for Enterprise Development, the Federal Reserve Bank of San Francisco and the Citi Foundation (together, the “Partners”). You should read carefully the terms and conditions set forth herein (THE or THESE “Terms of Use”) because they govern your use of the What It’s Worth website located at www.whatitsworth.org, any associated WHAT ITS WORTH social media pages, all other WHAT ITS WORTH information, services, functionality, and/or materials located thereon or available therefrom, and any mobile versions thereof (collectively, the “Site”). The Partners are willing to liCense to you the right to use the Site only on the condition that you agree to all of the terms and conditions set forth in these Terms of Use.  IF you do not agree with these Terms of Use, you are not granted permission to use the Site and you are instructed to stop use of the Site immediately.

  1. LICENSE GRANT

Subject to your continued compliance with the express terms and conditions of these Terms of Use, the Partners provide to you a revocable, limited, royalty-free, non-exclusive, non-transferable, and non-sublicensable license to access and use the Site, and download and reprint the information, writings, images and/or other works that you see, hear or otherwise experience on the Site (singly or collectively, the “Content”) for non-commercial, non-public, personal use only. If you are browsing the Site as an employee or member of any business or organization, you may download and reprint Content only for educational or other non-commercial purposes within your business or organization, except as otherwise permitted by the Partners. Any permitted reprint of the Content must be appropriately credited to its author or authors, the Federal Reserve Bank of San Francisco, and the Urban Institute. The content layout, formatting, and features of and access privileges for the Site and Content shall be as specified by the Partners in its sole discretion.  You also acknowledge and agree to the following: (i) the Partners have the right to control and direct the means, manner, and method by which the Site and Content is provided; (ii) the Partners may, from time to time engage independent contractors, consultants, or subcontractors to aid the Partners in providing the Site and Content or use thereof; and (iii) the Partners have the right to provide the Site and Content to others.

  1. RESTRICTIONS

All rights not expressly granted under these Terms of Use are hereby reserved.  You may not modify, reproduce, duplicate, copy, download, store, further transmit, disseminate, transfer, disassemble, broadcast, publish, remove or alter any proprietary notices or labels, license, sublicense, sell, mirror, frame, rent, lease, private label, grant a security interest in, create derivative works of, or otherwise exploit the Site, or any portion of the Site without the Partners’ prior written consent.  Moreover, you may not (a) use any “deep link,” “page scrape,” “robot,” “spider,” or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Site or in any way reproduce or circumvent the navigational structure or presentation of the Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site, (b) attempt to gain unauthorized access to any portion or feature of the Site or any other systems or networks connected to the Site, the server or to any of the services offered on or through the Site, by hacking, password “mining,” or any other illegitimate or prohibited means, (c) probe, scan, or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site, (d) reverse look-up, trace, or seek to trace any information on any other user of or visitor to the Site, (e) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or the Partners’ systems or networks or any systems or networks connected to the Site, (f) use any device, software, or routine to interfere with the proper working of the Site or any transaction conducted on the Site, or with any other person’s use of the Site, (g) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to the Partners on or through the Site, or (h) use the Site in an unlawful manner.

  1. USER OBLIGATIONS

You agree to abide by all applicable local, state, national laws and regulations with respect to your use of the Site.  By downloading, accessing, or using the Site, you also represent and warrant that (a) you will at all times provide true, accurate, current, and complete information when submitting information to the Partners through the Site; (b) you will at all times comply with the terms and conditions of these Terms of Use; (c) you have all necessary rights to make available any Submission (as defined below); and (d) that none of your Submissions (as defined below) will violate any right(s) of a third party including, without limitation, any privacy, publicity, intellectual property, confidentiality and/or employment right.  Any breach of the foregoing representations and warranties entitles the Partners to immediately terminate these Terms of Use and/or seek any and all remedies available at law or equity.  You also acknowledge and agree that use of the Internet and access to the Site are solely at your own risk.  While the Partners have endeavored to offer secure and reliable Site, you should understand that the confidentiality of any communication or material transmitted to/from the Site over the Internet or other form of global communication network cannot be guaranteed.  Further, the Partners cannot, and do not, guarantee or warrant that files available for downloading through the Site will be free of infection by software viruses or other harmful computer code, files or programs.

  1. PROPRIETARY RIGHTS

These Terms of Use provide you only a limited license to access and use the Site and Content in according with the terms herein.  Accordingly, you hereby agree that no right, title or interest in the Site or any Content is transferred to you or anyone else as a result of your use of the Site and/or Content. All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, “look and feel,” and arrangement of the Site and Content are exclusively owned, controlled, and/or licensed by the Partners or their licensors.  WHAT ITS WORTH, the WHAT ITS WORTH logo, and all other marks identifying the What It’s Worth or the Partners’ products, events, programs, or solutions are proprietary trademarks of the Partners and/or its licensors, and any use of such marks, including, without limitation, as domain names, account identifiers, or in connection with any search engine optimization practice(s), without the prior express written permission of the Partners is hereby strictly prohibited. Except as expressly authorized by these Terms of Use, you may not use, alter, copy, distribute, transmit or derive another work from any Content obtained from the Site, except as expressly permitted by the Terms of Use.

  1. LINKS TO THIRD-PARTY WEB SITES

Links on the Site to third party web sites (collectively, Third Party Sites”) are provided solely as a convenience to you. These Third Party Sites have not necessarily been reviewed by the Partners and are owned, controlled and/or maintained solely by third parties over whom the Partners exercises no control. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by the Partners of the third party, the Third Party Site, or the information contained therein. The Partners are not responsible for the availability of any such Third Party Sites. The Partners hereby expressly disclaim and are not responsible or liable for any Third Party Site or the content thereon.

  1. DISCLAIMER OF WARRANTIES

The Partners make no express or implied warranties, representations or endorsements whatsoever, with respect to the Site or the Content. The Partners expressly disclaim all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, with regard to the Site, the Content, and any product or service furnished, or to be furnished via the Site. The Partners do not warrant that the functions performed by the Site will be uninterrupted, timely, secure or error-free, or that defects in the Site will be corrected. The Partners do not guarantee the accuracy or completeness of the Content, or that any errors in the Content will be corrected. The Site and the Content are provided on an “as is” and “as available” basis and your reliance on any information provided on the Site is at your own risk.

  1. LIMITATION OF LIABILITY

You expressly absolve and release the Partners from any claim of harm resulting from a cause beyond the Partners’ control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions.  Moreover, and to the maximum extent permitted by law, In no event will the Partners be liable for any  incidental, punitive, consequential, special, exemplary or other indirect damages arising out of or in any way connected with the use of the Site and the Content, any communications or interactions with third parties made by your utilizATION OF the Site or Content, with the delay or inability to use the Site or Content, or for any information, software, functionality, and materials available through the Site whether based on contract, tort, strict liability, or otherwise even if the Partners have been advised of the possibility of such damages. In addition, the total liability of the Partners for any reason whatsoever related to the use of the Site and the Content shall, in no event, exceed $100.00.

  1. INDEMNIFICATION

You understand and agree that you are personally responsible for your behavior on the Site. You agree to indemnify, defend and hold harmless the Partners, our business partners, employees, agents, and any third-party information providers to the Site from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your breach of these Terms of Use.

  1. PRIVACY

Access to the Content may require the submission of certain personally identifiable information.  Click here to see the Partners’ Privacy Policy.

  1. ENFORCEMENT

You acknowledge that any breach, threatened or actual, of these Terms of Use, including, without limitation, violations or infringement of the Partners’ intellectual property or proprietary rights, may cause irreparable injury to the Partners, whereby such injury would not be quantifiable in monetary damages, and the Partners would not have an adequate remedy at law.  In the event of such injury or potential for such injury you therefore hereby agree that the Partners shall be entitled, in addition to other available remedies, to seek and be awarded an injunction or other appropriate equitable relief from a court of competent jurisdiction restraining any breach, threatened or actual, of your obligations under any provision of these Terms of Use.

  1. SECURITY

Any actual or attempted use of the Site or Content by you in violation of these Terms of Use may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986 under U.S. federal law.  The Partners reserve the right in its sole discretion to review, monitor, and/or record any information relating to your use of the Site and Content without any prior notice to or permission from you, including, without limitation, by archiving content and/or communications submitted to and/or sent by you through the Site.  The Partners may share any such information we obtain from you with any law enforcement organization in connection with any investigation or prosecution of possible criminal or unlawful activity.  The Partners will also disclose such information as required by any court order and/or subpoena.  In addition, the Partners hereby reserve the right in its sole direction to at any time and without notice modify, suspend, terminate, and/or interrupt operation of or access to the Site or Content, or any portion thereof, in order to protect the Site, the Partners’ intellectual property, the Partners, or the business interests of the Partners and/or its members, affiliates, contributors and licensors.

  1. SUBMISSIONS

The What It’s Worth website encourages constructive dialogue and comments that advance civil discourse. Any postings (collectively, “Submissions”) by you through the Site that are received by the Partners will be deemed to include a royalty-free, perpetual, irrevocable, transferable, sub-licensable and non-exclusive right and license for the Partners to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on any such Submission, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.

You also acknowledge that your Submissions to social media or other publicly available messaging areas are non-confidential for all purposes, and you represent that you have all rights and permission necessary to submit, display, or make available any content in your Submission.  Moreover, you agree that by using the Site you will not post or transmit any of the following materials on the Site:

  • comments that advertise or solicit business,
  • anything that is unlawful, profane, abusive, defamatory, threatening, offensive, hateful, or in any way infringes or violates the rights of others,
  • anything, which interferes with or disrupts the Site
  • anything, which is contrary to the interests of the Partners and its contributors
  • anything, which may damage, lessen, or harm the goodwill or reputation of the Partners, its contributors and its services,
  • anything, which violates any law or encourages anti-competitive behavior,
  • anything, which involves the impersonation of any other person or entity,
  • anything, which is inaccurate, off-topic, irrelevant, or inappropriate for the purposes of the Sites, and

The Partners are not responsible for screening, policing, editing, or monitoring your or other user’s Submissions and encourages all of its users to use reasonable discretion and caution in evaluating or reviewing any Submissions.  Moreover, and except as provided below with respect to the Partners’ right and ability to delete or remove a Submission (or any part thereof), the Partners do not endorse, oppose, or edit any opinion or information provided by you or another user and does not make any representation with respect to, nor does it endorse the accuracy, acceptability, completeness, timeliness, or reliability of any advice, opinion, statement, or other material displayed, uploaded, or distributed by you or any other user.  Nevertheless, the Partners reserve the right to monitor, delete, or take other action with respect to Submissions (or parts thereof) that the Partners believe in good faith violate these Terms of Use.

  1. GOVERNING LAW

These Terms of Use are made in and will be construed and enforced in accordance with the laws of the State of California, without regard to any conflict of laws or provisions.  You agree to the personal jurisdiction by and venue in the State of California and waive any objection to such jurisdiction or venue.  Any claim you might have against the Partners must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred.

  1. TERM AND TERMINATION

These Terms of Use will take effect at the time you click “I ACCEPT”, download the Content or begin using the Site, whichever is earliest.  These Terms of Use will terminate automatically if (a) you fail to comply with its terms and conditions; or (b) cease all use of the Site and Content.  Termination will be effective without prior notice.  In addition, the Partners may in its sole discretion terminate this Agreement upon notice to you for any or no reason.  Upon termination of these Terms of Use, any and all right(s) to use the Site and Content shall immediately cease and you must promptly return or destroy all tangible embodiments of the Site and Content in your possession or control.  Sections 2-4, 6-8, and 10-16 will survive the termination of these Terms of Use.

  1. WAIVER AND SEVERABILITY

If any part of the Terms of Use is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of the Terms of Use, all of which will remain in full force and effect.  No waiver by the Partners of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

  1. GENERAL PROVISIONS

These Terms of Use and the Partners’ Privacy Policy found at [INSERT LINK] constitute the entire agreement of the parties with respect to your use of the Site and the Content and hereby supersede all prior and/or contemporaneous communications and proposals, whether electronic, oral, or written between you and the Partners. No joint venture, partnership, employment, or agency relationship exists between you and the Partners as a result of these Terms of Use or your utilization of the Site or Content.  Headings are for convenience only. The Partners reserve the right to correct any errors, inaccuracies or omissions and to change or update the Content at any time without prior notice.  Accordingly, please review the terms and conditions found at this location on a periodic basis.  Each time you access the Site, you agree to be bound by the Terms of Use in effect at such time. If you do not agree to the revised terms, do not use the Site. By accessing or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by the Terms of Use. If you believe that your copyright has been infringed by any of the Content contained on the Site, please contact news@cfed.org.