We collect your data, as outlined below, by obtaining basic information of our readers in a professional context such as name, email, job title, company name, phone number to provide access to our news, events and other programming. We honor and respect the privacy of our readers and will comply with wishes to be removed as outlined below. We will not share the data we collect with anyone unless you explicitly consent us to do so.
We use the data you provide for access to the content and events that we produce as well as use profile data to help improve our product and programming and may store and use this information to provide you updates on products or services offered by RMD that maybe useful. For specific programs, we are contractually bound to share registration data with one or more of our third-party sponsors or advertisers that help underwrite webinars, white papers, events or surveys. For these programs, we make it clear that the data you share will be provided to the specified third party. If you do not wish to have your data shared with that party, you should not participate in any such event or download any content as part of that program.
Failure to provide consent
Your decision to allow us to process and store your information is optional. However, if you fail to provide that consent, it will prevent us from delivering the content, events and other programming we offer. Any personally identifying information provided to RMD is voluntary and used to fulfill a request or to assist in servicing those requests.
How we use your information:
Some information, such as IP and your email address, may be shared with the following third parties who help us run our website and email programs. They will only use this information to serve our needs and are prohibited from using it in any other instance. They are:
Parsely (website tracking)
JobBoard.io (Job Board Services)
Hubspot (Email delivery)
Wufoo (RMD Architecture Awards)
Sumo (Email Acquisition)
Shopify (Sale of Research Reports & Recorded Webinars)
Collection of Personally Identifiable Information
Many of the features of RMD Websites are available to you without providing personally identifiable information.
Across our web platform and events, you will be presented with the opportunity to sign up for newsletters, purchase event passes, submit your information to access content such as white papers or webinars, apply for eligibility at certain events and more.
However, the following are certain situations in which RMD may collect personally identifiable information from you to access our programming that includes but is not limited to:
- Webinars & live events
- White Papers, E-Books, Research Reports
- Job Board Postings
- Awards Programs
The type of information collected on those pages generally includes but is not limited to:
- Email address
- Company name
- Company type
- Mailing/billing address
- Phone number
- Credit/debit card information (We do not save this information and it will only be shared with our payment processors in order to complete the transaction in which you are attempting.)
Based on the information you provide to us, we may create or add other information to your profile in the interest of better serving you (for example, your interest in areas of business we cover). As is the case with all data we collect, this will be kept private and for our business purposes only unless specifically disclosed.
If you send RMD personal correspondence, such as emails or letters, or if other users or third parties send RMD correspondence about your activities on RMD Websites, RMD may choose to collect and maintain such information in a file specific to you.
Use of Personally Identifiable Information
Aging Media Network Inc. (AMN) operates several websites related to aging and housing content and services. RMD may share personal information collected from users of its websites internally across these websites to offer products and services from time to time.
We may use personal information collected to send out sponsored, targeted email promotions on behalf of its advertisers and industry partners.
If you participate webinars, live events, award programs, we use personal information to contact you to remind you of upcoming deadlines or additional information concerning these programs and events.
RMD occasionally conducts subscriber and/or user surveys to better target our content to our audiences. The aggregated information collected is sometimes shared with our advertisers, however, we do not share specific individual information with third parties.
If you provide financial information, we use that information primarily to verify your credit and collect payments for your purchases, orders, awards entries, event registrations and other paid products.
If you post comments or articles on the site or any social media channels where RMD has a presence including but not limited to Twitter, Facebook, LinkedIn, Instagram and others; any personally identifiable information you provide in those comments or articles will be public. As such, we are not responsible for personally identifiable information that you may choose to share through these channels.
Disclosure of Personally Identifiable Information
RMD does not loan, rent or sell your personally identifiable information unless expressly disclosed and agreed upon by you prior to requesting access to our programming listed above. This is fully disclosed to you prior to registering for any information such as an e-book, white paper, event, webinar, event or other service.
However, the following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business to provide RMD services:
- Advertisers. RMD may aggregate personally identifiable information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, in these situations, RMD does not disclose to these entities any information that could be used to identify you personally. Certain information, such as your name, email address, password, etc. are not disclosed to these third parties in a personally identifiable manner without your explicit consent.
We may also collect information that your browser sends whenever you visit our Service (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.
In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase our Service’s functionality. These third party service providers have their own privacy policies addressing how they use such information.
Compliance With Laws
RMD may be forced to disclose personal information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, although RMD uses industry standard practices to protect your privacy, RMD does not promise, and you should not expect, that your personally identifiable information or private communications will always remain private.
Notwithstanding the foregoing, RMD reserves the right and you authorize RMD to share or disclose your personally identifiable information when RMD determines, in its sole discretion, that the disclosure of your personally identifiable information is necessary for compliance or legal reasons if:
- You are interfering with another’s rights or property, including, without limitation, RMD’s rights or property;
- Required for judicial proceeding, court order or legal process served upon us
- You are violating any applicable law, rule or regulation;
- It is necessary or required by any applicable law, rule or regulation; and/or
- It is requested by authorized federal, state or other regulatory authorities in the event of any act of terrorism or instance of local, regional or national emergency.
Changes to Personally Identifiable Information and Use Preferences
You may, at any time, request a copy of RMD’s record of your personally identifiable information, change your personally identifiable information or use preferences, delete or opt-out of RMD’s use of your personally identifiable information by contacting RMD via any of the methods set forth below:
Reverse Mortgage Daily
1 S. Dearborn Street, 20th Floor
Chicago, IL 60603
If you would like to unsubscribe from our communications at any time or update your preferences for the information you desire, you may do so in the footer of any of our emails. If you would like us to delete your information entirely, or request the information we store about you, please send an email to firstname.lastname@example.org or in writing to the address above. Should you request to have your personal data erased, we will confirm the request and upon confirmation will complete the request within requisite time frames outlined by GDPR for a legitimate request. Otherwise, by continuing to interact with our emails and programs, you provide us with permission to manage and use your data as described above.
Newsletters and CAN-SPAM Act Compliance
The RMD Websites are fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (“CAN-SPAM Act”). RMD sends only verified e-mail newsletters, specifically requested by RMD subscribers. Subscriptions to RMD newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to RMD’s list.
Cookie Technology & Web Beacons
Personally identifiable information you submit to RMD is password-protected for your privacy and security. RMD uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third-party compromises RMD security measures, RMD will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information. RMD has systems that reviews our infrastructure related to continuous security monitoring, data breaches and security incident management. We also restrict access to personal information to our staff and third parties who need to know that information in order to process it for us and that are also subject to confidentiality agreements and obligations and maybe disciplined or terminated if they fail to meet these obligations. To maintain the accuracy and cleanliness of our own data while ensuring the correct use of it, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Links to Other Web sites
Only persons age 18 or older have permission to access our Service. Our Service does not address anyone under the age of 13 (“Children”).
We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you learn that your Children have provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from a child under age 13 without verification of parental consent, we take steps to remove that information from our servers.
We retain your information for as long as necessary to permit us to use it for the purposes that we have communicated to you and comply with applicable laws or regulations.
Deleting Your Account
You can delete your account at any time by contacting us at email@example.com. We may retain certain information as required by law or as necessary for our legitimate business purposes. All provisions of this agreement survive the termination of an account.
Your information, including Personal Information, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to United States and process it there.
Illinois Privacy Rights
Illinois Law permits our customers who are Illinois residents to request certain information regarding our disclosure of personal information to third parties for their own direct marketing purposes. To make such a request, please write to us at:
Reverse Mortgage Daily
1 W. Monroe Street, 4th Floor
Chicago, IL 60603
Please include your name and the address to which you would like us to respond.
General data Protection Regulation (GDPR)
The General Data Protection Regulation (“GDPR”) is a European Regulation about the use and processing of personal information. We are committed to processing your information in compliance with the GDPR upon its effectiveness on May 25, 2018.
We will use reasonable efforts to securely process all personal information in line with the rights specified under the GDPR, in particular those related to the following requests:
- Access to your personal information;
- Correction of the personal information that we hold;
- Deletion of your personal information;
- A restriction of processing of your personal information;
- Transfer of your personal information to another party; or
- Objection to processing of your personal information based on the RMD’s legitimate interest (or those of a third party) to use it and there is something about your particular situation that causes you to object to such processing.
RMD has a legitimate interest in collecting and processing your information by providing news and data services to the industries that we cover and advancing discussions of topics related to aging and housing. This provides our lawful basis to use your personal information, within the limitations set forth herein.
Your continued access and use of RMD’s Websites following the posting of any such changes shall automatically be deemed your acceptance of the same.
Questions or Concerns
Governing Law; Arbitration
of the State of Illinois, without regard for principles of conflicts of laws.
Any civil action, claim, dispute or proceeding arising out of, or relating to,
a single arbitrator, under the commercial arbitration rules of the American
Arbitration Association in Cook County, Illinois. You and RMD shall select the
arbitrator, and if you and RMD are unable to reach agreement on selection of
the arbitrator within sixty (60) days after the notice of arbitration is
served, then the American Arbitration Association shall select the arbitrator.
Arbitration shall not commence until the party requesting it has deposited Five
Thousand Dollars ($5,000.00) with the arbitrator as a retainer for the
arbitrator’s fees and costs. The party requesting arbitration shall advance
such sums as are required from time to time by the arbitrator to pay the
arbitrator’s fees and costs until the prevailing party is determined or the
parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and RMD, and your and RMD’s respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or RMD be entitled to punitive, special, indirect or consequential damages, and both you and RMD hereby waive your rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.