We are pleased that you have elected to visit the website, www.fsinsight.com (the “Website” or the “Site”), which is operated by FS Insight LLC (“FSI” “us” and “we”). FSI is a market-leading independent research firm that, through the Website, offers individual investors the opportunity to subscribe to weekly newsletters and research packages which provide data and information to help investors understand and formulate investment strategies (“Subscription Packages”). The Website also offers members general information about markets, investments and related financial news *(collectively, with Subscription Packages, “Services”).
California Privacy Rights
Under California law, California residents who have provided personally identifiable information to a company may have the right to request the categories of Personal Information and the specific pieces of personal information that the company has collected from you. California residents also may have the right to request a list of all third parties to whom that company has disclosed and/or sold such information for the third parties’ business purposes during the preceding calendar year, along with a list of the categories of Personal Information that has been so disclosed and/or sold. FSI only shares users’ Personal Information, including but not limited to e-mail addresses, with third parties with your consent, and gives you the right to opt out of having your Personal Information disclosed to third parties for the third parties’ direct marketing purposes. If you are a California resident who would like information on how to exercise your rights concerning third party disclosures under California law, you may send an email to firstname.lastname@example.org For avoidance of doubt, this provision is made applicable to all users of the Website who want to request information about the Company’s use of their personal information, whether or not such user resides in California.
Collection and Use of Information
Personal Information is information that uniquely identifies you, such as your name, address, email address, and telephone number. When you register with FSI and subscribe to one of our services, FSI will collect your Personal Information. For example, we collect your Personal Information if you subscribe to one of our investment packages or contact us with inquiries. When you subscribe to one or more of our services, your subscription and account information is password-protected. Only you have access to password-protected areas of the Website. Do not share your password with anyone Additionally, when you enter any password-protected area of the Site, then the Site will recognize who you are and will collect information that you submit. Any information collected about you from that Site may be associated with other information that FSI has collected about you. We may ask for additional information subject to laws and regulations governing the financial industry, which may require additional information for Know-Your-Customer and Anti-Money Laundering Purposes.
An IP (Internet Protocol) address is a number that is automatically assigned to your computer by your internet service provider when you log on. Your IP address is not linked to your Personal Information but FSI does reserve the right to use IP addresses to identify individuals who threaten the Site or other users or visitors. IP addresses may also be used to help diagnose problems with the Site and to gather broad demographic information. The information we collect in this manner is usually anonymized, and we will not identify you from this data, subject to a need to do so to protect the Site and/or other users.
When you access the Website, FSI will automatically receive some information about your use of the service. The type of information that is automatically collected by FSI includes such things as the date and time of access of the Website, the Internet protocol (IP) address of the computer that you are using, the domain and host from which you access the Internet, your browser software and operating system, the referring website address, and the specific activities you are engaged in while visiting the Site. This aggregate tracking information is used to help FSI improve and enhance the website experience for all of its visitors. The information we collect in this manner is usually anonymized, and we will not identify you from this data, subject to a need to do so to protect the Site and/or other users.
You must be 18 years of age and a resident of the United States to use this Site. FSI does not knowingly collect or maintain any Personal Information from children under the age of 13, and no part of any of the Site is designed with the purpose of attracting such children.
Use of Your Personal Information
We use your Personal Information with your consent for the purposes for which it is submitted, such as to provide the Subscription Packages and other services and products offered by FSI through the Website; to reply to your requests for information; and to respond to other requests you have. Your Personal Information may also be used in the following ways:
- to deliver materials, information and services to you, • to give you notice of and/or resolve any problems that may arise in connection with our services,
- to better understand the needs and interests of our customers, • to analyze the success of our products and services and Site, • to manage the Site’s interactive functionality,
- to help FSI improve and enhance the Site experience for all of its visitors, and customize the content on our Site,
- to provide information about potential client/consultant projects,
- for compliance with FSI’s legal and regulatory obligations,
- as otherwise reasonably required to provide customer services and maintain the Site,
- to investigate potentially unlawful activity,
- with your consent, to communicate with you about FSI products or services we think may be of interest to you, and
- as permitted by law.
We may also use your Personal Information to contact you via direct postal mail and/or electronically, with your consent, regarding your relationship with FSI.
Opting in and opting out of electronic communications.
You may opt out of receiving future electronic communications, such as emails, from FSI at any time by (i) sending an e-mail directly to email@example.com; (ii) writing to FSI’s corporate offices at 150 E 52nd St 3rd Floor, New York, NY 10022 or (iii) clicking on the “opt-out” or “unsubscribe” link in any electronic communication you receive.
Do Not Track Signals.
Certain web browsers provide users with an option by which you may have your browser send a “Do Not Track” signal to the website that you are visiting, advising the recipient website that you do not want to have your online activity tracked. However, the way browsers communicate such “Do Not Track” signals is not yet uniform and accordingly, our Site do not take any action in response to such signals. In the event a final standard is developed and accepted, we may reassess how we should respond to such signals.
Use of Your Personal Information Within FSI.
Use of Your Personal Information by Our Service Providers.
Lawful Access, Legal Action and Investigations.
The Site may make use of “cookies” – small data files which we may send to your computer on the basis of the information that we have collected about your visit. They contain information allowing us to recognize when you are visiting the Site and to keep track of your preferences. Through the use of a cookie, we also may automatically collect information about your online activity on our Site, such as the web pages you visit, the links you click, and the searches you conduct on our site. Cookies are stored in your computer’s browser or on your hard disk and can then be retrieved by the website.
If you want to delete any cookies that were already sent to your computer or personal device, please refer to your web browser’s “Help” facility. In addition, most web browsers can be set to prevent you from receiving new cookies, notify you before accepting cookies or disable cookies altogether. Details about this can normally be found in the “Help” facility provided with your browser. Please note that if you disable cookies you may not be able to take advantage of some of the Website’ interactive functionality.
Other, Third Party Services
The Site is enhanced by other third-party services to understand our users help us provide a better browsing experience.
Twitter Ads tracking
Google Fonts provides different font faces for our Website. You can read more about the Google Fonts' service here.
BunnyCDN helps the Site deliver a faster and snappier user experience by relaying static files of the Site thus reducing latency. BunnyCDN automatically serves images and other resources from the closest network node. You can read BunnyCDN's privacy and data policy here.
We employ fingerprinting technology to distinguish between devices used by visitors to the site. Fingerprinting involves collecting information about the user's device, such as the browser type and version, operating system, screen resolution, and other device-specific information. This data is used for security and analytical purposes. We do not collect any personally identifiable information through fingerprinting. Please learn more about it at https://dev.fingerprint.com/docs/privacy-policy.
Third-Party Payment Providers
The Site uses multiple third-party payment providers to handle membership-related transactions. As required, basic user data such as email addresses, names, and physical addresses will be forwarded to these payment gateways to create or renew subscriptions, and refund payments.
- Stripe — https://stripe.com/privacy
- PayPal — https://www.paypal.com/en/webapps/mpp/ua/privacy-full
- Banquest via USAePay — https://banquest.com/privacy-policy/ and https://usaepay.info/policy
- BitPay — https://bitpay.com/about/privacy/
- Apple App Store — https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
To Unsubscribe from FS Insight:
- For mobile app subscriptions: Open the App Store on your phone, click on the blue avatar icon in the upper right corner, and then go to "Subscription" -> "FS Insight" to cancel the subscription.
- Subscriptions automatically renew unless the user cancels at least 24 hours before the end of the current period.
- For web subscriptions: Go to my account settings and click "cancel subscription". The status of your subscription will change to pending-cancel, if you are still in range of your subscription expiration.
From time to time, we may offer free trials of certain Subscriptions for specified periods without payment. Before starting your free trial we will notify you of the applicable Subscription fees that will be charged at the expiration of your free trial. Unless you cancel your subscription before the end of your free trial by taking the steps outlined above, when your free trial ends, we or our third-party payment processor will bill your designated payment method on a recurring basis for your Subscription fee, plus any applicable taxes and other charges, for as long as your Subscription continues. You must cancel your Subscription before the end of your free trial period to avoid any charges. Instructions for canceling your Subscription are described above.
Payment and Fees
Paid Services include the Services, which may be one-time purchases or automatically renewing subscription services ("'Paid Services"), including our Moblie App ('"Subscriptions"). We may change, suspend, or discontinue Paid Services at any time for any reason, and FS Insight reserves the sole discretion to determine which Services or portions thereof require payment. You agree to pay: all applicable1 fees for any Paid Services including, without exclusion, any monthly subscription fees, user fees, and offering fees and any other fees, charges, of costs that you agree to purchase as part of the Paid Services during the checkout process ("Fees"). You agree to pay all Fees and all applicable taxes incurred before termination or cancellation of the Agreement. You authorize FS Insight to charge your designated payment method for Paid Services. By providing an acceptable payment method, you represent and warrant that you are authorized to use the selected payment method and that you authorize our third-party payment processor or us to charge your payment method for the total amount of your purchase, including any applicable taxes and other charges. If the payment method cannot be verified, is invalid, or is otherwise not acceptable, your Paid Service may be suspended or cancelled. You must resolve any problem we encounter in relation to the payment method you provide to proceed with your use of the Service; if you accept a promotional offer or make changes to your Paid Services, the Fees, taxes, and amounts billed may vary. Billing amounts may also vary due to changes in applicable taxes or currency exchange rates. You authorize our third-party payment processor or us to charge your payment method for the corresponding amount; Refunds will not be issued unless required by law. This payment obligation shall survive termination or cancellation of this Agreement for any reason. If you choose to finance a purchase through our third-party payment processor and one or more items in your order have an extended ship date, your loan payment(s), including interest, may be due before we ship all of the items. Please note that you may not receive a rebate of any claim that may have already accrued on an amount later refunded.
Disclosure of Personal Information to Non-Affiliated Third Parties
We will not sell, rent or market Personal Information collected on this Site to non-affiliated third parties for their marketing purposes, unless we have your consent. However, we may disclose aggregated statistics about visitors to the Site, along with anonymous information concerning individual users of the Site. We may combine anonymous information and/or aggregate information we collect with additional anonymous and/or aggregate information collected from other sources. We may share anonymous information (including aggregate information) we collect regarding our users with third parties (such as advisors, and/or consultants) for various business purposes including conducting general business analysis, and developing website content and services.
Retention of Personal Information
Personal Information is retained to deliver our services, to otherwise fulfill identified or apparent purposes, and for record-keeping. At some point FSI may elect to destroy, erase or anonymize your Personal Information. Once anonymized, FSI undertakes not to re-identify the information. You have the right to have your Personal Information removed from the Website. You are also able to edit your own account on the Website. If you want your Personal Information deleted from the Website and/or FSI’s records, please e-mail FSI at firstname.lastname@example.org.
Your Privacy Choices – Limiting Information Sharing/Accessing Your Information
You have the right to access the Personal Information that we hold about you, which includes the right to amend or correct that information, as appropriate, and to receive an account of how it has been used and a list of the organizations to whom it has been disclosed. In some circumstances, you may have the right to object to FSI’s use of that Personal Information. If you wish to update, amend, or change your Personal Information, please contact us at
email@example.com or make edits directly to your Account. You also have the right to request a copy of the Personal Information you have provided to FSI by writing to 150 E 52nd St 3rd Floor, New York, NY 10022 or contacting FSI at
To protect the confidentiality of your information and respect your wishes for how it is used, FSI offers “opt out” alternatives. If you have consented to the sharing of your Personal Information at any point, you may instruct us not to share Personal Information about you in the future. As noted above, you may also opt-out of receiving future electronic communications from us at any time. You may make your privacy choice at any time and it will remain in effect until you change it.
If you would like to check, change, or confirm your privacy choices please contact us at: firstname.lastname@example.org.
Protection and Security of Information
FSI maintains reasonable standards of confidentiality and security for the Website and the Personal Information collected from the Website. Physical, technical, electronic and managerial procedures have been employed to safeguard the security and integrity of Personal Information collected through the Website. The Personal Information you provide is secured using industry standard security technology. FSI also restricts its own employees’ access to Personal Information. However, it is possible that someone may intercept or access communications, transmissions and/or Personal Information. You must also seek to protect against unauthorized access to any passwords and/or accounts that you use in connection with the Website, and you should remember to log off of the Website once you have completed your activities on the Website or if you have decided to step away from your computer.
In the event that FSI determines that there has been a security breach that results in the unauthorized disclosure of Personal Information to a third party, FSI will promptly notify consumers whose Personal Information it reasonably believes has been compromised by posting information on the Website and, if email contact is possible, then also by sending an email notification with respect to the situation.
You acknowledge that the security of online transactions you conduct using the Website cannot be guaranteed. To the fullest extent permitted at law, FSI shall not accept responsibility for misuse or loss of, or unauthorized access to, your Personal Information.
Links to Other Website and Services
From time to time, the FSI Site may contain links to other websites or social media features (collectively, “other websites”) that are not controlled and/or maintained by FSI. Please be aware that these other websites may have different privacy policies which may subject you to different privacy practices. Please review the privacy policies of such other websites for information concerning what information is collected on such websites and how it is used. FSI is not responsible for the contents or privacy practices of any linked site or any link on a linked site.