Privacy Policy – Contrarian Outlook

Privacy Policy — Last Updated January 3, 2023
Canadian Residents and European Union Residents See International Privacy Policy
California Residents See Additional California Privacy Policy
Virginia Residents See Additional Virginia Privacy Policy

BNK Invest, Inc., the owner and operator of Contrarian Outlook (“BNK”, “us” or “we”) is concerned about online privacy issues and wants you to be familiar with how we collect, use and disclose any personal information that individually identifies you (e.g. your name, address, phone number, e-mail address). Personal information means any information about an identifiable individual, but does not include the name or business contact information of an employee of an organization. This Privacy Policy explains our online information practices and the choices you, as a visitor to this website, can make about the collection and use of your personal information. We will only collect, use and disclose your personal information in accordance with this Privacy Policy.

This Privacy Policy is incorporated into and forms part of our Terms of Use, which outline the terms and conditions you agree to when accessing and using this website. By accessing and using this website, you agree and consent to the collection, use and disclosure of your personal information as outlined in this Privacy Policy.

What personal information do we collect?

We may collect personal information from you when you voluntarily provide it to us through a number of features available on this website. For example, we may ask you to provide personal information if you:

register for a contest or other promotion;
register as a user of this website;
ask to receive online information from us or our advertisers;
ask to receive newsletters;
ask to receive relevant sponsored content and emails from our advertisers;
otherwise participate in features of our website that ask for personal information;
we collect any data entered by you, in regards to, but not limited to, portfolio holdings, share counts, and account names.

In addition, if you purchase or otherwise request a product, publication, or promotional offering from us you may be required to provide your contact and/or payment information (such as a credit card number) in order for us to process your request.

Your participation in any of these activities is voluntary and we will only use the personal information you provide for the purposes for which it was collected. For example, we may use the personal information you provide to: respond to your questions or comments; administer our promotions and sites; fulfill your request, subscription or order; and/or to otherwise provide or improve our products and services. We may send you notices of changes to our Privacy Policy. We provide an on-going opportunity to unsubscribe or opt-out of contact by emailing info@bnkinvest.com or calling 516-620-4294.

Email. All of our emails are sent only to those who have agreed to our opt-in policy. By registering with Contrarian Outlook and entering your email address, you agree to receive our company’s newsletters which include advertisements for various paid subscriptions, free email reports, and other related offers. You agree to receive information about our various products and services, or other products and services that we believe may interest you. By registering to receive our email, you also agree to receive email announcements and special offers from our advertisers, affiliates and partners. In the event you elect to receive a special offer from an advertiser we will provide your information so that the advertiser can deliver the offer. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser’s offer. We monitor the behavior of your email through the use of embedded tracking pixels and may track opens, clicks and other actions on emails sent.

You will always have the opportunity to “unsubscribe” from receiving e-mail or other communications at any time. Each e-mail includes an opt-out feature and instructions on how to un-subscribe if you do not wish to receive future e-mails from us for these purposes.

We monitor the behavior of your email through the use of embedded tracking pixels and may track opens, clicks and other actions on emails sent.

Mail. We may collect your postal address. We may use it to send you Special Reports you have requested and special offers from BNK. We may provide the names and postal mailing addresses of our subscribers to carefully screened companies who offer products, services or information that we believe may be of interest to you. If you do not want to hear from our carefully selected partners, send a copy of your mailing label to BNK Invest, Inc. 500 North Broadway, Ste 265, Jericho, NY 11753, USA, Attention: Subscriptions.

If you contact one of our representatives through this website, we may ask you for personal information such as your name, address, phone number, or e-mail address so that we can respond to your questions or comments.

SMS. By subscribing or registering for Contrarian Outlook, or by providing your telephone number to us in other ways, you agree that this action constitutes an enquiry, purchase and/or application for reasons and purposes of telemarketing laws. Even if your number is, or may be listed with the Federal Do-Not-Call Registry or your State Do-Not-Call list, you are expressly providing your written consent to receive information about our products and services from us, including telmarketing and you hereby agree and consent to our contacting you using the information you have provided. You agree that we may expressly contact you by e-mail, mobile phone number, text (SMS) messages, or any other means of communication that your wireless or telecommunications device is capable of receiving. By accepting this policy, you acknowledge that you are not required to agree directly or indirectly or enter into an agreement regarding our telemarketing efforts as a condition of purchasing any products or services from our company.

Text alerts are available for our services. You may opt out from receiving text (SMS) alerts from our company that you previously opted in to accept. You can unsubscribe from our text (SMS) alerts by following the instructions in any of these text messages. Text messages are intended for recipients over the age of 18. You agree that text (SMS) messages sent to your mobile device may be generated using automated technology. Your consent to receive text (SMS) messages is not required to make a purchase. Message frequency may vary. Message and data rates may apply.

How do we gather data by automatic means?

We collect IP addresses for site security and to help us understand how people use the site. We use cookies which contain bits of information that websites transfer to your computer’s hard drive for record-keeping purposes. We may give your browser a cookie.

In addition to cookies, we may use web beacons which allow us to count users who have visited specific pages or access certain cookies. We may use web beacons to count and recognize users, conduct research on behalf of some partners on their websites, and for auditing purposes. In addition, we may use this method to aggregate information about users, including demographic and usage information. Our advertising networks that serve ads on our site may also use web beacons in their advertisements. Any image viewed as part of a web site including an ad banner, can act as a beacon.

We use IP addresses for working on technology problems, maintaining security, displaying advertising or content to particular users, analyzing the ways in which people use the site and how we can improve it, and for reporting to advertisers about aggregate information from IP addresses.

We use cookies to gauge our audience size and patterns. We use cookies to target content and ads based upon user interests. Our advertising networks may place or use a unique cookie on your browser.

We may use third-party networks to serve advertisements on the site and in our emails. These third-parties may use cookies, and/or similar technologies. BNK does not control or access these cookies. Use of their tracking technology is subject to their own privacy policies.

If you wish to disable cookies, refer to your browser help menu to learn how to disable cookies. Please note that if you disable cookies, you may be unable to access some customized features on this website. Cookies do not collect or contain your personal information.

Internet tags, graphic tags and similar web beacon type functions allow us to count the number of users who have visited a particular web page or to access certain cookies. We may use web beacons on this website to count users and to recognize users by accessing our cookies. Being able to access our cookies allows us to personalize this website and improve your experience at this website. We may also include web beacons in HTML-formatted e-mail messages that we send to determine which e-mail messages were opened. Like cookies, web beacons do not collect or contain your personal information.

How do we share personal information?

Except as described, we do not sell, transfer or otherwise disclose to third parties the personal information we collect on this website. At times we provide your personal information to joint promotion partners and third parties who provide services on our behalf. These entities may use the information solely in conjunction with the specific promotion services they provide for us (e.g. fulfillment of an order; responding to your question or comment; providing a promotional prize; deployment of a consumer survey; investigation of a complaint).

To the extent we enter into such arrangements with service providers, agents and contractors to store, handle or process personal information on our behalf, such as for data processing, document storage software support and office services, our policy will be to require such parties by contractual or other means to provide comparable privacy protection while the information is processed or handled by them.

We reserve the right to transfer any personal information we have about you in the event that we sell or transfer all or a portion of our business or assets to a third party. Further, we reserve the right to disclose any personal information as needed if such information is requested by law enforcement agencies or if we are requested to do so by law, regulation, court order, or by a government entity. We may also disclose your personal information to third parties if we have reason to believe that disclosing such information is necessary to: (i) conduct investigations of possible breaches of law; (ii) cooperate in any legal investigation; (iii) identify, contact, or bring legal action against someone who may be violating the Terms of Use of this website; or (iv) to protect our rights, privacy, safety or property. Lastly, we may disclose your personal information for any other purpose to which you consent.

Links to other websites

This website may contain links to the websites of our subsidiaries and affiliates, and to websites that are independently owned and operated by third parties. These other websites may have their own privacy policies and are not governed by this Privacy Policy. We are not responsible for the privacy practices or the content of any website(s) owned and operated by any such subsidiaries, affiliates or third parties. Other websites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each website you visit.

At different points while using this website you may be offered reports, services, products, or other content from our advertisers and sponsors which would require you to expressly opt-in to their offer. These sponsors and advertisers may have their own privacy policies and are not governed by this Privacy Policy. We are not responsible for the privacy practices or the content of any website(s) owned and operated by any such affiliates, third parties, sponsors or advertisers. Other websites may collect and treat information collected differently, so we encourage you to carefully read and review the privacy policy for each offer before opting-in. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser’s offer.

Chat rooms and message/bulletin boards

If you use chat rooms and message/bulletin boards that may be available on this website, you should know that when you voluntarily disclose your personal information on a message/bulletin board, chat or other interactive area where personal information can be posted, the information can be collected and used by other internet users. This may result in unsolicited messages from other posters or parties. We undertake no obligations as to the security of information you voluntarily post in chat rooms and/or on message/bulletin boards.

Children’s privacy

We are committed to protecting the privacy of children and we do not knowingly solicit personal information from children under the age of 18. If a child has already provided us with personal information, his or her parent or guardian may contact us for the purpose of deleting this information.

How we protect personal information

The security of your personal information is important to us. We maintain administrative, technical and physical safeguards (appropriate to the sensitivity of such information) designed to protect against unauthorized use, disclosure or access of the personal information we collect on this website. Unfortunately, no data transmission over the internet can be guaranteed to be 100% secure. As a result, while we are committed to protecting your personal information, we cannot ensure or warrant the security of any information you provide to us. All third parties that obtain personal information from us (e.g. service providers that perform functions on our behalf) are contractually required to protect your confidentiality and personal information in a manner consistent with this policy, and/or as required by law.

Some or all of the personal information we collect may be stored or processed on servers located outside your jurisdiction of residence, whose data protection laws may differ from the jurisdiction in which you live. As a result, this information may be subject to access requests from governments, courts, or law enforcement in those jurisdictions according to laws in those jurisdictions. Subject to applicable laws in such other jurisdictions, we will use reasonable efforts to ensure that appropriate protections are in place to require the data processor in that country to maintain protections on the personal information that are equivalent to those that apply in the country in which you live.

Data retention policy

We do not keep your personal information for longer than required. We will keep your personal information:

For as long as required by law
Until we no longer have a valid reason for keeping it
Until you request us to stop using it.

Data Subject Rights

We recognize your legal rights to your data. Email us at info@bnkinvest.com to access the following rights:

the right to access personal data held about them;
the right to object to processing (for example, direct marketing);
the right to data portability;
the right to complain about processing carried out by the data controller;
the right to object to automated decision making;
the right for the personal data being updated; and
the right to be forgotten.

Changes to this privacy policy

We reserve the right to change or replace this Privacy Policy at our sole discretion at any time. Please check back from time to time to ensure that you are aware of any updates or changes in this Privacy Policy. We will indicate at the top of this page the date this Privacy Policy was last revised. Your continued access or use of this website after any such changes constitutes your acceptance of the Privacy Policy as revised.

Your consent to the terms of this Privacy Policy

By using this website you consent to the terms of this Privacy Policy, you signify your assent to all of the terms of this Privacy Policy and our Terms and Conditions. If you do not agree with any terms of this Privacy Policy or our Terms and Conditions, please do not use this site or submit any personal information.

Retention and disposal

We keeps your personal information only so long as we need it for the products and services that you are using, to offer you products and services when you are a customer and for a reasonable time thereafter, or to meet any legal requirements. We have retention standards, which meet these requirements. We destroy your information when it is no longer needed, or we remove your name from the information.

CALIFORNIA PRIVACY RIGHTS

The California Consumer Privacy Act of 2018 (”CCPA”), amended by the California Privacy Rights Act of 2020, provides you with specific rights regarding your Personal Information. This section describes the rights that California consumers have and explains how to exercise those rights. For the purposes of this section, ”Personal Information” does not include: (i) information that is lawfully made available from federal, state or local government records; (ii) de-identified or aggregated data; or (iii) information excluded from the scope of the CCPA. To be clear, these rights are granted only to the extent that you are a California consumer. The rights in this section are not intended to grant you additional rights, but only your rights under the CCPA to the extent that we are considered a CCPA business with respect to the applicable Personal Information.

In order to provide our Services to our clients, we may process Service Data that we receive from or on behalf of our clients. If you are a California resident, you may have certain CCPA rights pertaining to such information. Under the CCPA, when we act as a ”service provider” (not as a ”business” or a ”third party”) over such information, we only process your information through our Services as necessary to provide our services to our clients, at our clients’ direction. If you wish to exercise any of your rights under CCPA regarding such information, please contact the relevant business that collected the information from you, who controls and determines how your information is processed.

Information We Collect; How We Collect It; How We Use It

California consumers may access, delete, and control certain uses of their information as set forth in Rights to Your Information, below.

In the past 12 months, we have collected some or all of the categories of Personal Information described in the table below. The table below further describes the business or commercial purpose(s) for which the Personal Information was collected and the entities to whom such information has been disclosed within the last 12 months.

Category	Examples	Purposes (BNK Invest may not use each data type in the ”Examples” column for each purpose listed out)	Disclosed to
Identifiers	Name, alias, postal address, unique personal identifier, online identifier, internet protocol (IP) address, email address, account name, or other similar identifiers	To communicate with you; to provide products and services; for surveys, sweepstakes, and contests; marketing and promotions; to enable commenting and communities; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients; to enhance the information we may have on you; security and fraud prevention; to enable exercise of privacy rights	BNK Invest affiliates; service providers; event sponsors; business and advertising partners
Customer records information	Name, signature, physical characteristics or description, address, telephone number, education, employment, employment history, or other similar information. Some personal information included in this category may overlap with other categories	To communicate with you; to provide products and services; for surveys, sweepstakes, and contests; marketing and promotions; to enable commenting and communities; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients; to enhance the information we may have on you; security and fraud prevention; to enable exercise of privacy rights	BNK Invest affiliates; service providers; event sponsors; business and advertising partners
Characteristics of protected classifications under California or federal law	Age, race, national origin, citizenship, marital or familial status, sex, gender, and other similar information	To provide you with products and services; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising (e.g., based on age or gender); to consider you for a BNK Invest list or similar accolade	BNK Invest affiliates; service providers; event sponsors; business and advertising partners
Commercial information	Records of products or services purchased, purchasing or consuming histories or tendencies.	To communicate with you; to provide products and services; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising	BNK Invest affiliates; service providers
Internet or other similar network activity information	Browsing history, search history, information regarding consumer’s interaction with a website, application, or advertisement	To communicate with you; to provide you with products and services; for surveys, sweepstakes, and contests; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising; security and fraud prevention; to enable exercise of privacy rights	BNK Invest affiliates; service providers; business and advertising partners
Geolocation data	Location tracking information	To communicate with you; to provide you with products and services; for internal reporting; to serve you content recommendations and targeted advertising; security and fraud prevention	BNK Invest affiliates; service providers; business and advertising partners
Sensory data	Audio, electronic, visual, or similar information	To provide you with products and services; in relation to your user profile, your BNK Invest list or similar accolade profile, or when you post content; customer service call recordings	BNK Invest affiliates; service providers; business and advertising partners
Professional or employment-related information	Employer, employment history, and other employment-related information	To communicate with you; to provide you with products and services; for surveys, sweepstakes, and contests; marketing and promotions; for internal reporting; to serve you content recommendations and targeted advertising; to consider you for a BNK Invest list or similar accolade; for lead generation services performed on behalf of our clients	BNK Invest affiliates; service providers; event sponsors; business and advertising partners
Inferences	Inferences drawn from any of the categories described above to create a profile about a consumer reflecting the consumer’s preferences and characteristics	To communicate with you; to provide you products and services; for internal reporting; to serve you content recommendations and targeted advertising; for surveys; marketing and promotions	BNK Invest affiliates; service providers; business and advertising partners
Sensitive personal information	Social security, driver’s license, state ID, or passport number; credit card number in combination with any required security or access code; racial or ethnic origin.	We collect your payment card information to process and manage transactions; with your consent, we collect racial or ethnic origin information from event registrants to track and improve upon diversity	BNK Invest affiliates; service providers

The Personal Information described in the table above is collected directly from you, or from the sources set forth in the How We Collect Your Personal Information section of the Privacy Statement. In addition to the parties described above, we may disclose your Personal Information to other third parties as set forth in the How We Disclose Your Personal Information section of the Privacy Statement.

Please note that BNK Invest does not ”sell” any of your personal information in exchange for money. However, the term ”sell” has a broader meaning under the CCPA than would ordinarily be understood in a non-legal context. In the past 12 months, we have sold or shared the following categories of Personal Information with third parties:

Identifiers
Customer records information
Characteristics of protected classifications
Internet or other similar network activity information
Geolocation data
Professional or employment-related information
Inferences

Disclosures of Personal Information to Service Providers and Third Parties

Company may disclose your Personal Information to a third party for a business purpose, or sell or share your Personal Information, subject to your right to opt out (see Personal Information Sales Opt-Out and Opt-In Rights, below). The information above under Information We Collect; How We Collect It; How We Use It describes the third parties with which we may disclose your Personal Information.

Rights to Your Information

Right to Know

As a California consumer, you have the right to request that we disclose certain information to you about our collection, use, disclosure or sale of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights, below), and subject to certain limitations that we describe below, we will disclose such information. You have the right to request any or all of the following:

The categories of Personal Information we collected about you.
The categories of sources from which the Personal Information is collected.
Our business or commercial purpose for collecting or selling that Personal Information.
The categories of third parties with whom we share that Personal Information.
The specific pieces of Personal Information we collected about you (see Data Portability Rights below).

Right to Delete

You have the right to request that we delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Your Rights, below), we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies. However, we may retain Personal Information that has been de-identified or aggregated. Furthermore, we may deny your deletion request if retaining the information is necessary for us or our service provider(s) in order to perform certain actions set forth under CCPA, such as detecting security incidents and protecting against fraudulent or illegal activity.

Right to Data Portability

You have the right to request a copy of Personal Information we have collected and maintained about you in the past 12 months. The CCPA allows you to request your information from us up to twice during a 12-month period. ?We will provide our response in a readily usable (and usually electronic) format.

Right to Correct

You have the right to request the correction of any Personal Information we maintain about you.

Right to Opt Out of Selling or Sharing Your Personal Information

You have the right to opt out of the sale or sharing of your Personal Information, along with the right to opt in to the sale of such information. We do not sell or share the Personal Information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the ”right to opt-in”) from either the consumer who is less than 16 (but greater than 13) years of age, or the parent or guardian of a consumer less than 13 years of age. To our knowledge, we do not sell or share the Personal Information of minors under 16 years of age.

To exercise the right to opt out, you (or your authorized representative) may submit a request to the following email: info@bnkinvest.com. Alternatively, you may submit an opt-out request by contacting us at (516) 605-2277.

You may change your mind and opt back into Personal Information sales at any time by contacting us at info@bnkinvest.com.

Right to Limit the Use of Your Sensitive Personal Information

You have the right to limit the use or disclosure of your sensitive personal information (”SPI”) if we are using your SPI beyond what is reasonable and proportionate to provide the requested goods or services. You can make a request for us to limit the use or disclosure of your SPI by emailing info@bnkinvest.com with the following subject: ”Limit the Use of My Sensitive Personal Information.”

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights, including but not limited to, by:

Denying you goods or services.
Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Providing you a different level or quality of goods or services.
Suggesting that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Exercising Your Rights

To exercise the rights described above, please contact us by using the following methods:

Calling us at (516) 605-2277; or
Email us at info@bnkinvest.com with the subject line: California Resident CCPA Request to submit a request.

After submitting a request, we will take steps to verify your identity in order for us to properly respond and confirm that it is not a fraudulent request. In order to verify your identity, we will ask, at a minimum, that you provide your name, email address, and mailing address so that we can match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate.

BNK Invest will send you a verification email to verify that you have access to the email address you have provided. Then, as required by the CCPA, BNK Invest will use this information to verify your identify to a reasonable or reasonably high degree of certainty, depending on the request. If we are able to match at least two pieces of personal information to the personal information that we may retain of you, we will honor your Right to Know (Categories) request. If we are able to match at least three pieces of personal information to the personal information that we may retain of you, we will honor your Right to Delete, Right to Correct, and/or Right to Know (Data Portability / Specific Pieces of Personal Information) requests. If we are unable to verify your identity, we will let you know that we are unable to fulfill your request.

Only you, or an agent legally authorized to act on your behalf, may make a verifiable request related to your Personal Information. If you are making a request as the authorized agent of a California consumer, we will ask you also submit reliable proof that you have been authorized in writing by the consumer to act on such consumer’s behalf.

We will make every effort to respond to your request within 45 days from when you contacted us. If you have a complex request, the CCPA allows us up to 90 days to respond. We will still contact you within 45 days from when you contacted us to let you know we need more time to respond.

Notice of Financial Incentive

We may at times offer our customers programs that provide certain perks associated with us, such as rewards and exclusive offers. We may also provide other programs, such as sweepstakes, contests, or other similar promotional campaigns (collectively, the ”Programs”). When you sign up for one of these Programs, we typically ask you to provide your name and contact information (such as email address and/or telephone number). Because our Programs involve the collection of Personal Information, they may be considered a ”financial incentive” program under California law. The value of your personal information to us is related to the value of the free or discounted products or services, or other benefits that you obtain or that are provided as part of the applicable Program, minus the expense related to offering those products, services, and benefits to Program participants. Unless specifically stated otherwise in connection with a potential ”financial incentive,” the value of the benefit BNK Invest may offer to you exceeds the value of the personal information you provide as a participant.

You may withdraw from participating in a Program at any time by contacting us using the designated method set forth in the applicable Program rules. Please read the terms and conditions of each Program to view full details, including how to join. You may also withdraw from or opt into the Program by contacting us at the email address provided in connection with the Program. If none is provided, you may contact us as set forth above in the Contacting Us section.

CALIFORNIA “SHINE THE LIGHT”

Under California Civil Code Section 1798.83 (”Shine the Light”), California residents have the right to request in writing from businesses with whom they have an established business relationship: (a) a list of the categories of personal information, as defined under Shine the Light, such as name, email address, and mailing address, and the type of services provided to the customer that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes; and (b) the names and addresses of all such third parties. To request the above information, please contact us at (516) 605-2277. If you do not want your personal information shared with any third party who may use such information for direct marketing purposes, then you may opt out of such disclosures by contacting us at (516) 605-2277.

VIRGINIA PRIVACY RIGHTS

The Virginia Consumer Data Protection Act (”CDPA”) provides Virginia consumers with specific rights regarding their personal information. This section describes your rights under the CDPA and explains how you may exercise these rights.

The categories of personal information we process, our purposes for processing your personal information, the categories of personal information that we share with third parties, and the categories of third parties with whom we share it are detailed above in our Privacy Statement.

Certain rights that you may have concerning your personal information are set forth in our Privacy Statement. The CDPA provides you with the following additional rights:

Right to know.?You have the right to know whether we process your personal information.
Right to data portability. You have the right to access and obtain a copy of your personal information that you previously provided to us in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another business without hindrance, where the processing is carried out by automated means. You may request such personal information up to twice annually, subject to certain exceptions.
Right to delete.?You have the right to delete personal information that you have provided by or that we have obtained about you. Please note that we may deny such request if the requested deletion falls under an exception to this right set forth in the CDPA. Additionally, if you request deletion of your personal information and we have obtained such information from a third-party source, we may retain such data by keeping a record of the deletion request and the minimum data necessary to ensure that your personal information remains deleted from our records and that such retained data is not used for any other purpose, or we may opt you out of the processing of such personal information for any purpose except for those allowed under the CDPA.
Right to opt out of selling or sharing.?You have the right to opt out of the processing of the personal information for purposes of: (i) targeted advertising; (ii) the sale of personal information; or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. As of the latest date of the Privacy Statement:
- We DO process personal information for the purposes of targeted advertising;
- We DO NOT sell your personal information in exchange for monetary consideration;
- We DO NOT engage in profiling decision based on your personal information that produce legal or similarly significant effects concerning you.
- If you wish to opt out of the processing of your personal information for the purposes of targeted advertising please email us at info@bnkinvest.com.
Right to correct. You have the right to correct inaccuracies in the personal information we collect from you, taking into account the nature of the personal information and the purposes for which we process it.
Right to nondiscrimination. You have the right not to receive discriminatory treatment by us for the exercise of your Virginia privacy rights. Unless permitted by the CDPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

How to Contact Us About Your Virginia Privacy Rights

To exercise any of your Virginia privacy rights, or if you have any questions about your privacy rights, you may contact us by:

Calling us at (516) 605-2277; or
Emailing us at info@bnkinvest.com with the subject line: Virginia CDPA Request to submit a request.

Verification of Your Identity.?After submitting a request, we will take steps to verify your identity in order for us to properly respond and/or confirm that it is not a fraudulent request. In order to verify your identity, we will request, at a minimum, that you provide your name, email address, phone number, address, and relationship to us, so that we can seek to match this information with the information existing in our systems. When providing us this information, you represent and affirm that all information provided is true and accurate. If we are unable to verify using reasonably commercial efforts that the consumer submitting the request is the same individual about whom we have collected personal information, then we are not required to comply with the request; we may contact you for more information reasonably necessary to authenticate the request, but ultimately we may not be able to meet your request.

Only you may make a verifiable request related to your personal information. If you are making a request as the parent or legal guardian of a known child regarding the processing of that child’s personal information, we may ask you to submit reliable proof of your identity.

Our Response Time to Your Request

We will make every effort to respond to your request within forty-five (45) days from when you contacted us. If you have a complex request, the CDPA allows us up to ninety (90) days to respond. We will still contact you within forty-five (45) days from when you contacted us to let you know we need more time to respond and the reason for the extension.

Your Right to Appeal

If we decline to take action regarding a request that you have submitted, we will inform you of our reason for declining to take action and provide instructions for how to appeal the decision. In the event that we do not respond to a request that you make pursuant to one of the privacy rights set forth in this section, you have the right to appeal our refusal to take action within a reasonable period of time after you receive our decision. Within 60 days of our receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If the appeal is denied, we will also provide you with an online mechanism, if available, or other method through which you may contact the Attorney General to submit a complaint.

We welcome your feedback. If you have questions, comments or concerns about our Privacy Policy, or would like to do any of the following:

see personal information that you have already sent us so that you can correct or update it delete your personal information from our files;
if your child under 18 has sent us personal information, delete that personal information from our files;
ask that we not send you mailings or otherwise contact you; or
report any violation of this Privacy Policy

Please contact us at:

BNK Invest, Inc.
500 North Broadway, Ste 265
Jericho, NY 11753
t. 516-620-4294
info@bnkinvest.com