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What This Privacy Policy Covers 


This policy covers how JunFac treats personal information that JunFac collects and receives, including information related to your past use of JunFac products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
This policy does not apply to the practices of companies that JunFac does not own or control, or to people that JunFac does not employ or manage.


< Information Collection and Use > 

General

JunFac collects personal information when you register with JunFac, when you use JunFac products or services, when you visit JunFac pages or the pages of certain JunFac partners, and when you enter promotions or sweepstakes. JunFac may combine information about you that we have with information we obtain from business partners or other companies.
When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests. For some financial products and services we may also ask for your address, Social Security number, and information about your assets. Once you register with JunFac and sign in to our services, you are not anonymous to us.

JunFac collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
JunFac automatically receives and records information on our server logs from your browser, including your IP address, JunFac cookie information, and the page you request.
JunFac uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Children

When a child under age 13 attempts to register with JunFac, we ask that he or she have a parent or guardian create a JunFac Family Account to obtain parental permission.
JunFac will not contact children under age 13 about special offers or for marketing purposes without a parent's permission.
JunFac does not ask a child under age 13 for more personal information, as a condition of participation, than is reasonably necessary to participate in a given activity or promotion.


Information Sharing and Disclosure

JunFac does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:
We provide the information to trusted partners who work on behalf of or with JunFac under confidentiality agreements. These companies may use your personal information to help JunFac communicate with you about offers from JunFac and our marketing partners. However, these companies do not have any independent right to share this information.

We have a parent's permission to share the information if the user is a child under age 13. Parents have the option of allowing JunFac to collect and use their child's information without consenting to JunFac sharing of this information with people and companies who may use this information for their own purposes;
We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of JunFac's terms of use, or as otherwise required by law.
We transfer information about you if JunFac is acquired by or merged with another company. In this event, JunFac will notify you before information about you is transferred and becomes subject to a different privacy policy.
JunFac displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, women ages 18-24 from a particular geographic area.
JunFac does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
JunFac advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).


Cookies

JunFac may set and access JunFac cookies on your computer.
JunFac lets other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to JunFac's cookies.
JunFac uses web beacons to access JunFac cookies inside and outside our network of web sites and in connection with JunFac products and services.

 

< Your Ability to Edit and Delete Your Account Information and Preferences >


General


You can edit your JunFac Account Information, including your marketing preferences, at any time.
New categories of marketing communications may be added to the Marketing Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.
We reserve the right to send you certain communications relating to the JunFac service, such as service announcements, administrative messages and the JunFac Newsletter, that are considered part of your JunFac account, without offering you the opportunity to opt-out of receiving them.
You can delete your JunFac account by visiting our Account Deletion page. Please click here to read about information that might possibly remain in our archived records after your account has been deleted.


Children 

Parents can review, edit, and delete information relating to their child's JunFac account using tools offered by JunFac Family Accounts.
If a parent chooses not to allow us to further collect or use a child's information, parents enrolled in JunFac Family Accounts can delete their child's account by signing into that child's account and then visiting our Account Deletion page. Please click here to read about information that might possibly remain in our archived records after your account has been deleted.


Confidentiality and Security 

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
Your JunFac Account Information is password-protected.
In certain areas JunFac uses industry-standard SSL-encryption to protect data transmissions.


Changes to this Privacy Policy

JunFac may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your JunFac account or by placing a prominent notice on our site.


Questions and Suggestions 

If you have questions or suggestions, feel free to contact us.


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