Effective Date: July 7, 2022
PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. FUTURES BUILDER DOES NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION TO FUTURES BUILDER OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEB SITES REFERRED TO IN THIS PRIVACY POLICY.

The information collection, use, and dissemination practices of Futures Builder. This policy applies to Futures Builder's collection, use, storage and disclosure of information by Futures Builder on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Websites"), (b) on various third party websites, and (c) to Futures Builder's other information collection, including the purchase of customer lists from third parties. Futures Builder is not responsible for the information collection or privacy practices of third web sites or applications.

1. Collection of Information.

1.1 Survey Information. Futures Builder collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a Futures Builder survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Websites, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Futures Builder or a third party (a "Third Party") may ask an individual to provide various information to Futures Builder, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information"). Futures Builder may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Futures Builder or Third Party, but an individual may receive incentives from Futures Builder or a Third Party in exchange for providing Survey Information to Futures Builder.

1.2 Third Party List Information. Futures Builder collects information from individuals when an individual provides information to a third party and Futures Builder subsequently purchases, licenses, or otherwise acquires the information from the third party (the "Seller"). Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "Third Party List Information"). When acquiring Third Party List Information, Futures Builder seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Futures Builder and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller's list.

1.3 Other Information. Other occasions when Futures Builder obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Futures Builder or by a third party, (2) when an individual requests assistance through Futures Builder's customer service department, and (3) when an individual voluntarily subscribes to a Futures Builder service or newsletter (together, "Other Information").

1.4 Cookies, Web Beacons, and Other Info Collected Using Technology. Futures Builder currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Futures Builder may use other new and evolving sources of information in the future (together, "Technology Information"). (a) Cookies. A cookie is a small amount of data stored on the hard drive of the individual's computer that allows Futures Builder to identify the individual with his or her corresponding data that resides in Futures Builder's database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites. (b) Web Beacons. A web beacon is programming code that can be used to display an image on a web page, but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Futures Builder to track certain web sites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, Futures Builder might place, with the consent of a third party website, a web beacon on the third party's website where fishing products are sold. When Joe, an individual listed in Futures Builder's database, visits the fishing website, Futures Builder receives notice by means of the web beacon that Joe visited the fishing site, and Futures Builder would then update Joe's profile with the information that Joe is interested in fishing. Futures Builder may thereafter present offers of fishing related products and services to Joe. In addition to using web beacons on web pages, Futures Builder also uses web beacons in email messages sent to individuals listed in Futures Builder's database. (c) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Futures Builder's use of new and evolving technology. As a result, Futures Builder strongly encourages individuals to revisit this policy for any updates regarding its use of technology.

1.5 Outside Information. Futures Builder may receive information about individuals from third parties or from other sources of information outside of Futures Builder including information located in public databases ("Outside Information").

1.6 Individual Information. As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Futures Builder gathers or receives about individuals.

1.7 No Information Collected from Children. Futures Builder will never knowingly collect any personal information about children under the age of 13. If Futures Builder obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, Futures Builder has no such information to use or to disclose to third parties. Futures Builder has designed this policy in order to comply with the< Children's Online Privacy Protection Act ("COPPA").

1.8 Credit Card Information. Futures Builder may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from Futures Builder. When the Credit Card Information is submitted to, such information is encrypted and is protected with SSL encryption software. Futures Builder will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to third parties only as necessary to complete the purchase transaction.

2. Use of Individual Information.

2.1 Discretion to Use Information. THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY'S SOLE DISCRETION. The following paragraphs in Section 2 describe how Futures Builder currently uses Individual Information, but Futures Builder may change or broaden its use at any time. As noted below, Futures Builder may update this policy from time to time. Futures Builder may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

2.2 Email. Futures Builder uses Individual Information to provide promotional offers by email to individuals. Futures Builder may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Futures Builder's email lists, a person must send an email to unsubscribe@FuturesBuilder.net. This e-mail address is being protected from spam bots, you need JavaScript enabled to view it. 2.2(a) Content of Email Messages. In certain commercial email messages sent by Futures Builder, an advertiser's name will appear in the "From:" line but > hitting the "Reply" button will cause a reply email to be sent to Futures Builder. The "Subject:" line of Futures Builder's email messages will usually contain a line provided from the advertiser to Futures Builder. 2.2(b) Solicited Email. Futures Builder only sends email to individuals who have agreed on the Websites to receive email from Futures Builder or to individuals who have agreed on third party websites to receive email from third parties such as Futures Builder. Futures Builder does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Futures Builder's email messages.

2.3 Targeted Advertising. Futures Builder uses Individual Information to target advertising to an individual. When an individual is using the Internet, Futures Builder uses Technology Information (see also Section 2.5 below) to associate an individual with that person's Individual Information, and Futures Builder attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Futures Builder may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.

2.4 Direct Mail and Telemarketing. Futures Builder uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.

2.5 Use of Technology Information. Futures Builder uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person's online browsing habits on the Internet, (3) to determine which areas of Futures Builder's web sites are most frequently visited. This information helps Futures Builder to better understand the online habits of individuals so that Futures Builder can target advertising and promotions to them.

2.6 Profiles of Individuals. Futures Builder uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.

2.7 Storage of Individual Information. Futures Builder stores the Individual Information in a database on Futures Builder computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Futures Builder's control. Notwithstanding such measures, Futures Builder cannot guarantee that its security measures will prevent Futures Builder computers from being illegally accessed, and the Individual Information on them stolen or altered.

3. Dissemination of Individual Information.

3.1 Sale or Transfer to Third Parties. Futures Builder MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN FUTURES BUILDER’S SOLE DISCRETION.

3.2 Order Fulfillment. Futures Builder will transfer Individual Information to third parties when necessary to provide a product or service that a person orders from such third party while using Futures Builder web sites or when responding to offers provided by Futures Builder.

3.3 Legal Process. Futures Builder may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.

3.4 Summary Data. Futures Builder may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

3.5 Access. Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting info@futuresbuilder.net. This e-mail address is being protected from spam bots, you need JavaScript enabled to view it Futures Builder may also grant advertising clients and email services providers' access to an individual's email address to verify the origin of the Individual Information collected.

4. California Residents.

The California Consumer Privacy Act (CCPA) provides California residents with the additional rights listed below.

4.1 Right to Know. You have the right to know what personal information we have collected about you over the past 12 months, including:

*       The categories of your personal information collected by us;

*       The categories of sources from which the personal information is collected;

*       The purpose (business or commercial) for collecting your personal information;

*       The categories of third parties with whom we have shared your personal information in the last 12 months; and

*       The specific components of your personal information we have collected.

4.2 Right to Delete. Subject to the following exceptions, you have the right to request us to delete the personal information we have collected from or about you. There are a number of exceptions, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:

*       Complete your transaction(s);

*       Provide you with goods or services;

*       Perform obligations under a contract between us and you;

*       Protect your security and prosecute those responsible for breaching it;

*       Fix our system in the case of a bug;

*       Protect the free speech rights of you or other users;

*       Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);

*       Engage in public or peer-reviewed scientific, historical, or statistical research in the public interests that adheres to all other applicable ethics and privacy laws;

*       Comply with a legal obligation; or

*       Make other internal and lawful uses of the information that are compatible with the context in which you provided it.

4.3 Do Not Sell My Personal Information. You have the right to request that we do not sell your personal information. Please click here so that we can process your request in an efficient manner. Please note that we do not knowingly sell the personal information of minors under 16 years of age without legally required affirmative authorization.

4.4 Exercising Your California Privacy Rights. You can exercise your rights directly or choose to appoint an authorized agent to represent you and to communicate with us. Please note that you can only exercise your rights twice in a twelve-month period. To request access to or deletion of your personal information, or to exercise any other data rights under California law, please contact us using the following method:

(a) Webform. You may fill out a Webform to exercise rights. Please ensure that you include your full name, e-mail address, and phone number, along with your reason for writing, to enable us to efficiently process your request

(b) Email. To exercise your rights, please email us at info@futuresbuilder.net, and include details such as your full name, email address, residential address, and phone number, along with your reason for writing, to enable us to process your request in an efficient manner.

Please note that in certain circumstances, we may request for additional information to verify your identity and any information shared by you for verification purposes shall only be used for the said purpose and not be shared with any third party.

4.5 Response Timing. We try to respond to a consumer request(s) for access or deletion of information within 45 days of receiving it. If we require more time, we will inform you of the reason and extension period in writing. In any case, the total period required to respond to your request shall not exceed 90 days from the date of receiving the request.

*       Shine the Light: As per the provisions of Section 1798.83(a) of California Civil Code, if a California resident’s personal information is shared by us with third parties for direct marketing, they can request us to disclose the names and addresses of third parties with whom such personal information was shared and the categories of personal information revealed to such third parties during the immediately preceding calendar year.

You can exercise this right only once in a calendar year. To exercise your right, please email us at info@futuresbuilder.net. We will do our best to address your request within 30 business days of receiving it.

5. Privacy Practices of Third Parties.

5.1 Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Futures Builder does not control Advertisers' use of such technology and Futures Builder has no responsibility for the use of such technology to gather information about individuals.

5.2 Links. The Websites and email messages sometimes contain hypertext links to the web sites of third parties. Futures Builder is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. Futures Builder does not operate or control in any respect any information, software, products or services available on such third party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

5.3 Affiliated Companies. Futures Builder may disclose, transfer, and sell Individual Information to entities affiliated with Futures Builder in Futures Builder's discretion

6. Unsubscribe Procedures. If you wish to discontinue receiving email messages from Futures Builder, you have several options:(a) Unsubscribe from one email list. To unsubscribe from a particular list, either (1) send an email to unsubscribe@FuturesBuilder.net. This e-mail address is being protected from spam bots, you need JavaScript enabled to view it or (2) follow the instructions in each promotional email message sent by Futures Builder. (b) Unsubscribe from all of FuturesBuilder.net's email lists. We reserve the right to add Individual Information to multiple lists maintained by Futures Builder. To globally unsubscribe from all of Futures Builder's lists, send an email to unsubscribe@FuturesBuilder.net. This e-mail address is being protected from spam bots, you need JavaScript enabled to view it. For more information about protecting your privacy, you may wish to visit: www.ftc.gov. If you have questions about this policy, please contact us at info@FuturesBuilder.net.