Privacy and Disclaimers
You can puruse and read all of the fine details below, but the long and the short of it is that we believe you are the owners of you're data, and we are simply temporary custodians of it. That is a sacred responsibility for us. We promise to never sell or rent your data to any other group. Your data will only be used for regular operations on servers managed by us.
We believe you have the right to be forgotten. If you would like any aspect of your data changed or removed, just let us know. We will permanently delete it. That's the jist. We're all on this little planet together, so though we don't personally know each one of you, we will take care of your data as though you were family. Yay!
Updated 29 December 2018
The Federal Reserve
Any views or opinions are those of Centralverse, Inc. and the authors/collaborators cited on each page when applicable. They do not reflect the views or opinions of the Federal Reserve System, any other Central Bank, or their officials or employees.
All of the information provided on this website is for general educational purposes and no recommendation for a particular investment strategy is endorsed.
Use of Personal Data
Centralverse, Inc. promises to never share your personal information with third parties beyond those used as part of the technological architecture of the website including: Amazon Web Services for hosting the website, Alphabet for their email services, Mailchimp for mass email management.
You have the right to be forgotten. Send us an email and we will completely delete all of your information from our systems.
If you believe you have found an error in any of the material please contact us at firstname.lastname@example.org
What Kind of Information We Collect
We (Centralverse, Inc.) are the sole custodians of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.
Whether accessing the Centralverse from your home computer, mobile phone, or other device, Centralverse and its agents may collect information you directly provide. For example, we collect information when you register an account, enroll in our mailing lists or text message campaigns, or otherwise communicate or transact with us through the Centralverse website.
The information we collect may include Personal Information. “Personal Information” is information that identifies you personally (whether alone or in combination). Some examples of data we collect include the following:
- Name and Contact Data: We collect your first and last name; mailing address; telephone number; e-mail address, and other similar contact data;
- Credentials: We collect username and password, and similar security information (for account authentication and administration);
- Demographic Data: We collect information about your interests and activities, your gender, month and day of birth, and other demographic information;
- Content: We collect the content of messages you send to us, such as feedback and information you provide to customer service. We also collect the content of your communications as necessary to provide you with the Centralverse online services you use;
- Contests/Promotions: We may collect additional Personal Information necessary for the administration of certain promotional events.
You may choose to voluntarily submit other information to us through the Centralverse website that we do not request, and, in such instances, you are solely responsible for such information. Please note that if you access the Centralverse website using voice functionality services available through the microphone on a third party device, it may collect background noise or communications that you do not voluntarily provide.Therefore, you should take steps to prevent the communication of unnecessary information when accessing the Centralverse website using voice functionality services.
Information Collected Automatically
In addition, we automatically collect information about your device and how your device interacts with the Centralverse website. Some examples of information we collect include the following:
- Service Use Data: We collect data about the features you use, the pages you visit, the e-mails and advertisements you view, the products you purchase, the time of day you browse, your referring and exiting pages, and other similar information.
- Connection Data: We may collect data regarding your connection to our servers. This could include IP address, MAC address, or other device identifiers. This information may also provide information about general location.
In order to use this website, a user must first complete the registration form. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
A log file is a file that records events that occur in connection with your use of the Centralverse website, such as your service use data.
Pixel Tags ("Web Beacons" or "Clear Gifs")
Pixel Tags are small graphic images, also known as “web beacons” or “clear gifs,” embedded in web pages and e-mail messages. Pixel Tags may be used to count the number of visitors to the Centralverse website, to monitor how users navigate the Centralverse website, and to count content views.
An embedded script is programming code designed to collect information about your interactions with the Centralverse website. It is temporarily downloaded onto your device from our web server or a third party with whom we work, is active only while you are connected to the Centralverse website, and deleted or deactivated thereafter.
Voice Processing Technologies
In-App Tracking Methods
There are a variety of tracking technologies that may be included in mobile apps, and these are not browser-based like cookies and cannot be controlled by browser settings. Some use device identifier, or other identifiers such as mobile Ad IDs to associate app user activity to a particular app and to track user activity across apps.
How We Use the Information We Collect
We use information about you for our legitimate interests, including to:
- process and manage the Centralverse website, including your use of our products and services;
- perform services requested by you, such as to respond to your inquiries or requests;
- further our business purposes, such as to perform data analysis, audits, fraud monitoring and prevention, to enhance, improve or modify the Centralverse website, to identify usage trends, determine the effectiveness of our promotional campaigns and to operate, improve and expand our business activities; and
We also use information about you with your consent, including to:
- create and deliver personalized content, features;
- communicate with you about Centralverse, including about reminders about events, your requests for information, and to update you about changes to the Centralverse website;
- allow you to send communications through the Centralverse website; and
- fulfill any other purpose disclosed at the time you provide information and your consent.
We may use information that does not identify you (including information that has been de-identified) without obligation to you except as prohibited by applicable law. For information on your rights and choices regarding how we use your information, please see the section entitled “Your Rights and Choices” below.
Your Rights and Choices
You can visit the account section of the Centralverse website to access or update certain account information we have on file about you and that you have submitted through the Centralverse website. Alternatively, you may contact us to request that it be updated or removed. We may require additional information from you to allow us to confirm your identity. Please note that if you ask us to remove information, we will remove it from consumer-facing parts of the Centralverse website, but may continue to store and use the information for internal analytics purposes.
We may retain your information for as long as your account is active or as reasonably useful for commercial purposes. We will retain and use your information as necessary to comply with our legal obligations or data retention policies, resolve disputes, and enforce our agreements.
We may send you occasional updates about our products. We may also send you “transactional or relationship” communications, such as messages that provide information about your existing account. We require opt-in consent for text messages or push notifications. These can be managed in your Account.
If you do not wish to receive Cookies or wish to manage when you accept Cookies in general, you may set your browser to reject Cookies or to alert you when a Cookie is placed on your device. Although you are not required to accept our Cookies, if you set your browser to reject Cookies, you may not be able to use all of the features and functionality of the Centralverse website. To find out more about Cookies, including how to see what Cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
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, we do not monitor or take action with respect to “Do Not Track” signals or other mechanisms. For more information on “Do Not Track,” visit http://www.allaboutdnt.com.
European Privacy Rights
If you are a data subject in the European Economic Area (“EEA”), you have the right to access, rectify, or erase any personal data we have collected about you through the Centralverse website. 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 Centralverse website. 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, contact us as set forth in the section entitled “Contact Us” below and specify which right you intend to exercise. We will respond to your request within 30 days. We may require additional information from you to allow us to confirm your identity. 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 to comply with our legal obligations, resolve disputes, prevent fraud, and enforce our agreements.
If you have any issues with our compliance, you have the right to lodge a complaint with an EEA supervisory authority.
Children's Online Privacy
Centralverse, Inc. recognizes the importance of protecting the privacy of children online. The Centralverse website are intended for general audiences and are not directed to children under thirteen (13). We do not knowingly collect personal information as defined by the U.S. Children’s Online Privacy Protection Act (“COPPA”) from children in a manner that is not permitted by COPPA.
If you become aware that a child under the age of 13 has provided us with personal informationas defined by COPPA through the Centralverse website, we ask that you contact us via our “Contact Us” page. If we become aware that a child under 13 has provided us with personal information as defined by COPPA, we will delete the child’s information from our records to the extent required by COPPA.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the Web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.
Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information collected through the Centralverse website.
Updates to this Policy