privacy policy

At BFIC, we respect your privacy, and we understand the importance of the information you entrust to us. This Privacy Policy describes our practices concerning the information collected by BFIC (“BFIC”, “we”, “us”, “our”) through the use of (i) our BFIC website (the “Website”) and (ii) our BFIC mobile applications (collectively, the “Services”).

This Privacy Policy applies to all personal information we collect or process about you. Personal information is information, or a combination of pieces of information, that could reasonably allow you to be identified.

Below we describe what information we collect when you use our Services, how we protect that information, how long we retain it, with whom we share it, and what your privacy options are. By using the Services, you consent to our collection and use of your information as described in this Privacy Policy. The Privacy Policy is incorporated by reference into and is made a part of the Terms of Service.

We will continue to evaluate this Privacy Policy against new technologies, business practices, and our users’ needs, and may make changes to the Privacy Policy accordingly. Please check this page periodically for updates. If we make any material changes to this Privacy Policy, we will post the updated Privacy Policy here, along with its effective date, and for material changes will notify you by email or by means of a notice on our Website. Your continued use of the Services after our posting of changes to this Privacy Policy means that you agree to be bound by such changes.

Our Services are intended for general audiences over the age of 16 years old. We do not knowingly collect information from children under the age of 16 years old.

1. Information We Collect About You

We collect personal information about you from a variety of sources, including from you directly (e.g. when you contact us or sign up for an account), information we generate about you in the course of our relationship with you (e.g. data collected from cookies and other similar technologies which is described in our Cookie Policy), and information we collect about you or from other sources, including commercially available sources, such as public databases (where permitted by law).

Information You Provide To Us:

You may provide personal information to us, if you choose to:

  • Submit a help request, a customer services inquiry or other inquiry to us, or fill in any other forms for the purposes of receiving our Services;

  • Participate in any Services that require registration;

  • Sign up to receive any information and/or services from any third party provider or partner using our Website (If you submit information to a third party provider or partner please note that their use and disclosure of your information is subject to their own privacy policy),

  • Contact us about employment opportunities;

  • Otherwise use the Services in a manner that you have requested.

Depending on which of these or any other Services you use, the personal information you provide may include:

  • Personal details (e.g. name, date of birth, professional title, company name, and household income, investment interests, retirement information, information about your educational background);

  • Contact details (e.g. phone number, email address, postal address, or mobile number);

  • Account details (e.g. user name and password);

  • Transaction details (e.g. when you make a purchase or respond to offers);

  • Communications (e.g. when you participate or post material in message boards or forums, participate in polls or surveys, write a review or provide a testimonial, or contact us with a question, comment, or request); or

  • Professional information (e.g. if you are a Financial Advisor participating in our Advisor Insights program, information about your credentials, including, without limitation, broker CRD number, professional website URL, biographical information, licences and designations, and profile picture).

Please be aware, that by posting information to message boards, chat groups or social networking facilities available via the Services, you will be making this information available to other users of these Services to the public. You should be careful about revealing any sensitive details about yourself.

Cookies:

The websites uses cookies. Cookies are text files that are stored in a computer system via an Internet browser.

Many Internet sites and servers use cookies. Many cookies contain a so-called cookie ID. A cookie ID is a unique identifier of the cookie. It consists of a character string through which Internet pages and servers can be assigned to the specific Internet browser in which the cookie was stored. This allows visited Internet sites and servers to differentiate the individual browser of the data subject from other Internet browsers that contain other cookies. A specific Internet browser can be recognized and identified using the unique cookie ID.

Through the use of cookies, the Foundation can provide the users of this website with more user-friendly services that would not be possible without the cookie setting.

Cookies allow us, as previously mentioned, to recognize our websites users. The purpose of this recognition is to make it easier for users to utilize our websites. The websites user that uses cookies, e.g. does not have to enter access data each time the websites is accessed, because this is taken over by the website, and the cookie is thus stored on the user’s computer system.

You may, at any time, prevent the setting of cookies through our websites by means of a corresponding setting of the Internet browser used, and may thus permanently deny the setting of cookies. Furthermore, previously set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. If the data subject deactivates the setting of cookies in the Internet browser used, it may not be possible to use all the functions of our websites.

Email Referral:

We also have features that allow you to send an email to yourself and/or others about an item on our site. If you choose to use our email referral service, you will be required to provide the e-mail address or addresses that will be used in the notification. Upon form submission an email will be generated to your recipient(s) inviting them to visit the URL you have recommended. We do not store this information other than for the sole purpose of sending this one-time e-mail.

Information Collected Via Automated Technologies and Interactions:

When you use the Services, we may automatically collect information via automatic means about your computer or device, your preference settings, your location, and your activities, including:

  • IP address of your computer;

  • Unique mobile device identifiers;

  • Technical information about your computer or mobile device such as type of device, mobile device ID number, screen resolution, web browser information, and operating system or platform;

  • Your preferences and settings (time zone, language, etc.)

  • Internet provider or mobile carrier name;

  • The URL of the last webpage you visited before visiting the Website;

  • Information about your activity on the Services (e.g., your search queries, mis-formatted DNS entries, search results selected, clicks, pages viewed, search history, comments, forms filled out and submitted, how often you use the Services);

  • Information we generate as a result of your use of the Services (e.g. our understanding of your interests as a result of your use of the Services and whether you are a regular or occasional user of the Services); and

  • If you are using a mobile device, your mobile device’s geographic location (specific geographic location if you’ve enabled collection of that information, or general geographic location automatically). Please see the section “Mobile Device Location Information” below for further information.

International Data Transfers:

We may transfer the personal data we collect about you to other BFIC affiliates or other entities of BFIC. Some of them may be located in countries other than the country in which the data were originally collected. When we transfer your personal data to other countries, we will protect that data as described in this Privacy Notice and in accordance with applicable law.

Third Parties:

Third-parties who provide us with products and services may also place cookies, ad tags and/or beacons that collect the information outlined above in order to provide us with products and services including:

  • Analytics tools (e.g., Google Analytics) allowing us to analyze the performance of our Services.

  • Service features and functionalities such as those that enable videos to be played and you to connect to your social media accounts.

  • Advertisers and ad networks allowing the delivery of targeted advertisements.

These third parties may also collect information about you from other sources and combine it with other information collected about you from third party websites not affiliated with us. For example, advertiser and advertising networks, as well as data analytics companies who service them, may participate in online behavioral advertising and track your activity across various sites and/or devices where they display ads and record your activities, so they can show ads that they consider relevant to you.

Do Not Track: Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.

We are committed to providing you with meaningful choices about the information collected on our website for third party purposes, and that is why we provide the Network Advertising Initiative and the Digital Advertising Alliance opt-out links above. However, we do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and a common approach to responding to DNT. However, our Cookie Policy provides information and opt-out links to help you control the collection of information about you on our Website.

These third parties may also provide us with information about your interactions with their products and services and/or activities on third party websites. For example, use of Service functions that connect to your social media account (e.g., Facebook Connect) may permit us access to your social network profile information, including your first name, last name, gender, birth date and email address, in accordance with your settings on the social network. If you choose to post information to your social media account via the Services, you will be making this information available to other users of these Services. We encourage you to be careful about revealing any sensitive details about yourself via our Services or otherwise.

How We Use Your Personal Information And The Basis On Which We Use It:

We may use the information we collect from and about you for the following purposes:

  • Identification and authentication: We use your identification information to verify your identity and/or eligibility for our Services when you access and use our Services and to ensure the security of your personal information. This is so we can comply with our obligations to you.

  • Improving our Services: We analyze information about how you use our Services to provide an improved experience for our customers, including product testing, site analytics, and personalizing content to your interests. It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand any issues with our Services and improve them.

  • Understanding our users: We also analyze information about our users in order to understand our users (their demographics, what you do on our Services, what features you like, how they use them etc.). It is in our legitimate business interests to use the information provided to us for this purpose, so we can understand our users and improve our Services.

  • Operating the Services: We process your personal information to administer our Services, diagnose technical problems, provide customer support, complete your transactions, and otherwise manage our business. This is so that we can comply with our contractual obligations to you.

  • Communicating with you: We may use your personal information when we communicate with you, for example if we are sending you communications that you have requested, communications which relate to Services you have purchased or enrolled in, which may be of interest to you in accordance with your preferences, if we are providing information about changes to the terms and conditions, if you contact us with questions, or to provide you with customer support. It is in our legitimate interests that we are able to provide you with appropriate information, responses and provide you with notices about our Services. Please see the section “Reviewing, changing or deleting information” for further information about how you can control these communications.

  • Marketing: We may use your personal information to build a profile about you and place you into particular marketing segments in order to understand your preferences better and to appropriately personalize the marketing messages we send to you. It is in our legitimate interest to provide you with more relevant and interesting advertising messages, and inform our marketing strategy. We may use automated decision-making to deliver tailored advertisements based on your personal information. Where necessary, we will obtain your consent before sending such marketing messages.

  • Exercising our rights: We may use your personal information to exercise our legal rights where it is necessary to do so, for example to detect, prevent, and respond to fraud claims, intellectual property infringement claims or violations of law or our Terms of Use.

  • Complying with our obligations: We may process your personal information in order to, for example, carry out fraud prevention checks or comply with other legal or regulatory requirements, where this is explicitly required by law.

  • Customizing your experience: When you use the Services, we may use your personal information to improve your experience of the Services, such as by providing interactive or personalized elements on the Services and providing you with content based on your interests. We may use automated decision-making to customize your experience based on your personal information.

  • In Connection with Services: In addition to the uses described above, if you are enrolled in and/or take any of our training, we may use the registration information you provide, including personally identifiable information, to use through your Account for managing and processing purposes, including but not limited to tracking attendance, progress and completion of training.

How We Share The Information We Collect

We will not share the personal information we collect about you with any third party except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We will share your information in the following ways:

  • Our suppliers, subcontractors and business partners: (“service providers”): We may share your data with our services providers and business partners who perform marketing services and other business operations for us for the purposes set forth above. For example, we may partner with companies to process secure payments, fulfill orders, optimize services, serve online behavioral advertising, send newsletters and marketing messages, support email and messaging services, and analyze information. These service providers are required to treat the data in accordance with confidentiality requirements.

  • Service requests: We enable you to request information and/or services from third party service providers or partners by filling out a registration, information request, or similar service request form for specific services from them (e.g., filling in a sponsored partner’s form to identify your retirement risk profile and/or submitting a request with such information for more information from that partner or another party). When you fill out and submit a service request form through our Website, you consent to our providing your personal information and request to the third party provider and/or partner. Sharing this information with the party provider and/or partner allows them to contact you using the contact information you provided. Additionally, we have other contractual partners that that utilize their own service provider to supplement our offering, and we share your information with them in order to attempt to provide the services requested.

  • Group Companies: We may share your information with our affiliates, which are entities under common ownership or control of our ultimate parent company, for marketing purposes, security, optimization of products and services, and internal reporting. We do this for the purposes set out above.

  • Where required by law: We may disclose your information with law enforcement agencies, courts, other government authorities, or other third parties when we believe in good faith that such disclosure is appropriate in order to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of this Privacy Policy or the Terms of Service for the Services you accessed, and/or to protect the rights and property of BFIC, our employees, users and the public, or to comply with a legal or regulatory obligations. This may involve the sharing of your information with law enforcement, government agencies, courts, and/or other organizations.

  • In the context of a transaction: we may share your personal information with potential transaction partners, service providers, advisors and other third parties in connection with the consideration, negotiations, or completion of a corporate transaction in which we are acquired by or merged with another company or we sell or transfer or all or a portion of our assets or business. In such an event, we will seek to provide you with commercially reasonable notice , e.g.,via email and/or notice on our website, of any change in ownership, incompatible new uses of your personal information, and choices you may have regarding your personal information.

  • Advertisers and advertising networks: Advertisers and advertising networks place ads on our Website. These companies may collect information, such as your computer’s IP address, browser information, and mobile device ID as you use our Website and Services. These companies, as well as data analytics companies who service them, may also use cookies, pixel tags, mobile device advertising IDs and other similar technologies to collect this information when you visit our Website (for example, web pages visited), as described in our Cookie Policy. They use the data to enable them to track your activity across various sites where they display ads and record your activities, so they can show ads that they consider relevant to you. We neither have access to, nor does this Privacy Policy govern, the use of cookies or other tracking technologies that may be placed on your computer, mobile phone, or other device you use to access the Services by non-affiliated, third-party ad technology, ad servers, ad networks or any other non-affiliated third parties.

Data Retention and Access

We will retain your personal data only for as long as necessary for the purposes it was retained, such as to enable you to use the Website and your products or to provide services to you. In some instances, we may retain data for longer periods in order to comply with applicable laws (including those regarding document retention), resolve disputes with any parties, and otherwise as necessary to allow us to conduct our business. All personal data we retain will be subject to this Privacy Policy and our internal retention guidelines. We respect your control over your information and, upon request, we will seek to confirm your identity and whether we hold or are processing information that we have collected from you. You also have the right to amend or update inaccurate or incomplete personal information, request deletion of your personal information, or request that we no longer use it. Under certain circumstances we will not be able to fulfill your request, such as if it interferes with our regulatory obligations, affects legal matters, we cannot verify your identity, or it involves disproportionate cost or effort, but in any event we will respond to your request within a reasonable timeframe and provide you an explanation.

Your Rights and Your Privacy Choices

You have certain rights regarding the personal information we hold about you, subject to local law. These may include the rights to access, correct, delete, restrict, or object to our use of, or receive a portable copy in usable electronic format of your personal information. You may also have a right to lodge a complaint with your local data protection or privacy regulator.

You also have choices when it comes to the privacy practices described in this Privacy Policy. A few of those choices are set forth below and others are available in our Cookie Policy.

Choices relating to information we collect: We may be required by law to collect certain personal information about you or as a consequence of any contractual relationship we have with you. Failure to provide this information may prevent us from providing certain Services or all of the Services to you.

Online behavioral advertising: You may opt-out of third party advertising-related cookies, pixel tags, and web beacons, in which case our advertising should not be targeted to you. You will continue to see advertisements on the Website. However, they will not be tailored to you. You can choose to opt-out through these (and other) websites:

Mobile devices:
  • Advertising: When using a mobile application you may receive tailored in-application advertisements. Each operating system, iOS for Apple phones, Android for Android devices and Windows for Microsoft devices provides its own instructions on how to prevent the delivery of tailored in-application advertisements. You may review the support materials and/or the privacy settings for the respective operating systems in order to opt-out of tailored in-application advertisements. For any other devices and/or operating systems, please visit the privacy settings for the applicable device or contact the applicable platform operator. We do not control how the applicable platform operator allows you to control receiving tailored in-application ads; thus, you should contact the platform provider if the above options are no longer available.

  • Location Information: When you use one of our location-enabled services (for example, when you access Services from a mobile device), we may need to collect and process information about your specific GPS location (including the latitude, longitude or altitude of your mobile device) and the time the location information was recorded, and we may use that information to customize the Services with location-based information, advertising, and features. Some of these services require your personal data for the feature to work and we associate location data with your device ID and other information we hold about you. You can stop your location information from being collected by disabling this function within the settings available on your device. In connection with currency conversion functionality found on our site (if applicable), “By using our website, you (the visitor) agree to allow third parties to process your IP address, in order to determine your location for the purpose of currency conversion. You also agree to have that currency stored in a session cookie in your browser (a temporary cookie which gets automatically removed when you close your browser). We do this in order for the selected currency to remain selected and consistent when browsing our website so that the prices can convert to your (the visitor) local currency.”

We encourage you to contact us at the contact information set forth below to update or correct your information if it changes or if the personal information we hold about you is inaccurate. Where you have provided your consent to any use of your personal information, you can withdraw this consent at any time.

Please note that we may require additional information from you in order to honor your requests.

If you would like to discuss or exercise any rights you may have under law, please contact us at the contact information set forth below.

Automated Decisions About You

When you use the Services, we may make automated decisions about you based on your personal information in the following circumstances:

  • To deliver personalized offers, discounts, or recommendations based on your shopping history, viewing history, and browsing history, and

  • To serve you with ads based on various factors such as the content of the page you are visiting, information you provide such as your age or gender, your searches, demographic data, user-generated content and other information that you provide to us. These ads may be based on your current activity or your activity over time and may be tailored to your interests.

How We Protect Your Information

We take the security of your information seriously, and use appropriate technical and organizational measures to protect your information against unauthorized or unlawful processing and against accidental loss, destruction or damage. We also limit access to information about you t employees who reasonably need access to it to provide products and services to you, or in order to do their jobs. However, because no security can be 100% effective, we cannot completely guarantee the security of any information we have collected from you. If you have reason to believe that the personal information that we hold about you is no longer secure, please contact us immediately as described in this Privacy Policy.

Retention of Your Information

We retain the information we collect about and from you for as long as necessary to fulfill the purpose we collected it for and for the purpose of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal information we process, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your information, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, accounting, or reporting requirements. In some circumstances we may choose to aggregate and de-identify your information in such a way that you may not reasonably be re-identified by us or any other company in which case we may use this information indefinitely without further notice to you.

Updates to the Website Privacy Notice

BFIC reserves the right to change this Website Privacy Notice at any time. If we change this Website Privacy Notice we will update the effective date and such changes will be effective upon posting. We encourage you to review the Website Privacy Notice regularly.

Any updates or changes to the terms of this Privacy Policy will be posted here on our Site and the date of the newest version posted. Please check back frequently, especially before you submit any Personal Information at our Site, to see if this Privacy Policy has changed.

Acceptance to the Website Privacy Policy

By using our Site, you acknowledge acceptance of this Privacy Policy in effect at that time of use.

Contact Us

If you have questions or concerns regarding the way in which your personal information has been used, or if you want to opt-out of having your personal information shared with third parties or for any purpose that is materially different than the purpose you shared it with us please send a request to info[at]bficoin.io

We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you may have the right to make a complaint to the data protection authority of your country of residence.