Effective Date: October 15, 2021
J2 Financial Technology, Inc. (d/b/a “Guild Financial” or “Guild”) and its subsidiaries and affiliates (collectively, “J2”, “us” or “we”, “Guild Financial” or “Guild”) understand that your privacy is important and we are committed to respecting your privacy and protecting your personal data, which is any information that is capable of identifying you as an individual person. This Privacy Policy describes how we handle and protect your personal data in connection with J2’s business activities, like user accounts, brokerage accounts, digital asset accounts, and client services, and on websites, applications, and communications that post a link to this Privacy Policy (collectively, “the Sites”), in our capacity as data controllers. Please see our Terms and Conditions, located in the Guild application, for more information about our online terms and policies in general.
Your Acceptance of this Privacy Policy
Please read and understand this Privacy Policy. By browsing our Sites and using our services and expressly consenting where required, you agree to be bound by this Privacy Policy.
What data do we collect?
J2 collects personal data in the course of its business activities, including in connection with the opening of brokerage accounts, digital asset accounts, and some client services. We also collect personal data on certain areas of the Sites when you register for or apply for jobs through the J2 Recruitment Portal, create a user profile, register for J2 newsletters and alerts, and/or participate in public user posting areas (such as bulletin boards, discussion forums, and surveys). The personal data we collect and maybe provided by you includes:
- name
- telephone number
- e-mail address
- address
- tax or government ID
- investment profile information
- background information (education, work experience) required to apply for a job
We may also automatically collect information about the devices you use to interact with our Sites. The information we automatically collect may include IP address, device identifier, web browser, and browsing information collected through cookies, web beacons, pixels, clear gifs, and other similar technologies (collectively “Cookies and Other Tracking Technologies”) on our Sites. We may also automatically collect information about how you use the Sites, such as what you have searched for and viewed on the Sites. The information automatically collected may be associated with a unique identifier as well as with any other personal data you have provided.
J2 may also collect personal data about you from third parties, such as data brokers or aggregators, in the course of its business activities including in connection with some client services. This includes demographic, professional, and other information that is publicly available online, including information you choose to make public through social media platforms and other public online forums. We may combine this data with existing information we have about you or use it independently, for our benchmarking and market data analytics activities (e.g., analysis of recruiting practices across an industry, detecting fraud patterns in connection with financial transactions, or otherwise). We will always seek to confirm that the third party has provided transparent information about its use of this data, including its disclosure to third parties like J2, in compliance with applicable law.
How will we use your data?
J2 uses your personal data to fulfill your requests to open accounts, process your requests to fund or de-fund accounts, evaluate and improve our services, distribute newsletters and alerts to you, recruit and evaluate job applicants, analyze the Sites’ performance and functionality, prevent fraud, enforce our terms and conditions, comply with all applicable laws and corporate reporting obligations, enforce J2’s agreements, and accomplish other purposes you may initiate or request. In some situations, the collection of personal data may be required for the operation of the Sites, or we may use it in the course of our business activities, including in connection with some client services, for example, to provide certain services or products such as our market data products. We may combine and/or analyze personal data to evaluate and offer content and services most relevant to you. We may keep any of your personal data on file and use it to contact you.
J2 and its service providers may use first and third-party Cookies and other tracking technologies, including web beacons, pixels, and other similar technologies to manage our Sites and services and collect analytics about how you use them. J2 and its service providers may collect information about whether you open or click any links in our Sites or communications that we send to you. The information provided throughout this Privacy Policy about cookies also applies to these other tracking technologies. Please refer to our Cookie Policy below for more details.
Our Sites do not track you by collecting personal data about your online activities over time and across third-party websites or online services outside of J2 Sites. Accordingly, we do not alter our data collection and use practices in response to “do not track” signals transmitted from web browsers.
Use of information collected via mobile devices
In connection with our mobile applications, J2 may use third-party service providers to analyze user activity to fix errors, monitor usage, In connection with our mobile applications, J2 may use third-party service providers to analyze user activity to fix errors, monitor usage, and improve the performance of these mobile applications. For example, J2 receives reports on some of our mobile applications’ aggregate usage and browsing patterns, including information about the type of device used, and other events occurring within our apps. J2 also receives reports on certain errors occurring within mobile applications.
The legal basis by which we process your personal data
Our processing of your personal data for the purposes mentioned above is based:
- in part, on our legitimate interests in promoting and protecting J2, building and maintaining relationships, recruitment, and providing our services;
- in part, on your consent, for example, if you create a user profile, or register for our newsletters or alerts, or for business purposes that support web operations such as understanding and enhancing the quality of your experience on our Sites;
- in part, to comply with the law, when certain information is necessary to satisfy our legal or regulatory obligations.
In those cases where the legal basis for the processing of your data requires your consent, we will require it expressly and in advance.
Disclosure of personal data: data recipients and international data transfers
Personal data collected in the course of J2 business activities, including in connection with some client services, as well as on the Sites may be transferred from time to time to J2 subsidiaries and affiliates and their personnel, as well as to our third-party service providers located throughout the world. Additionally, the Sites may be viewed and hosted by J2 and our third-party service providers anywhere in the world. Where required by law, we have put in place mechanisms designed to ensure adequate data protection of your personal data that is processed by J2 subsidiaries, affiliates, and third-party service providers, including the transfer of your personal data to countries other than the one in which you reside.
J2 will not intentionally disclose or transfer (and will take reasonable steps to prevent the unauthorized or accidental disclosure of) your personal data to third parties without your consent or as otherwise permitted by law, whether for such third parties’ own marketing purposes or otherwise, except as follows. J2 may provide access to your personal data to third-party service providers engaged by J2 to provide services related to the Sites as well as related to J2’s business activities, including in connection with some client services, in the manner agreed upon in our services agreements. We maintain processes designed to ensure that any processing of personal data by third-party service providers is consistent with this Privacy Policy and protects the confidentiality, integrity, and availability of your personal data.
We also may share your personal data with third-party service providers who perform services and functions on our behalf to support our interactions with you, including, for example, processing account applications, billing for services, or communicating with you.
In addition, we may disclose information about you:
- If we are required to do so by law or legal process;
- To law enforcement authorities or other government officials;
- When we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual fraudulent or illegal activity;
- If disclosure is necessary to protect the vital interests of a person;
- To enforce our Terms and Conditions;
- To protect our property, services, and legal rights;
- To prevent fraud against J2, our subsidiaries, affiliates, and/or business partners;
- To support auditing, compliance, and corporate governance functions; or
- To comply with all applicable laws and regulations
- In cases where you request to rectify, delete, or limit the processing of your personal data by us, we will also notify third-party recipients.
We will also inform you of these recipients, if you so request.
In addition, we may In addition, we may disclose or transfer your personal data in the event of a re-organization, merger, sale, joint venture, assignment, or other transfer or disposition of all or any portion of our business.
User forums
You should be aware that whenever you publicly disclose information online, that information could be collected and used by others. J2 is not responsible for any action or policies of any third parties who collect information that users publicly disclose in any such forums on the Sites.
Link to third party sites
J2 may provide links to third-party websites or information as a service to our users. If you use these links, you will leave the Sites. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by J2 of the third party, the third party website, or the information contained therein, and J2 shall not be liable for your use thereof. Such use shall be subject to the terms of use and privacy policies applicable to those sites.
Social Networking
The Sites may allow you to sign into and associate your social network accounts including, but not limited to, Google, Slack, Twitter, LinkedIn, and Facebook with J2. The Sites also may allow you to log in to an J2 account using certain social network account credentials.
By associating your social network account with J2 or logging in to an J2 account using your social network account, you permit us to access information that you have made available in your public profile for that social network account. The information available in your public profile varies based on the social network and your unique settings but may include your email address, real name, profile picture, gender, and location. We use the information we receive from your social network account in accordance with the social network’s terms of use and this Privacy Policy. Please refer to the privacy settings in your social network account for information about what data is shared with J2 and other connected applications and to manage the data that is shared through your account, including information about your activities using our Sites.
If you would like to disconnect a social media account from us, refer to the settings of that social network account and its provider. J2 does not take any responsibility for any issues that may arise from the settings on these social network account providers.
Security and how we store your data
J2 has implemented generally accepted standards of technology and operational security to protect personal data from loss, misuse, alteration, accidental, unlawful, or authorized destruction, from disclosure or access or use as well as any other unlawful forms of processing.
Only authorized J2 personnel and third-party service providers are provided access to personal data, and these employees and service providers are required to treat this information as confidential. Despite these precautions, however, J2 cannot guarantee that unauthorized persons will not obtain access to your personal data and J2 cannot be held responsible for any actions resulting from a breach of security when information is supplied over the internet or any public computer network.
In the event of an incident or breach of personal data, J2 will assess the risk to your data and notify you shortly after the assessment is complete or sooner if local laws stipulate otherwise. We will provide you the contact details of our Data Protection Officer or another point of contact where you can obtain further information.
Data retention
J2 retains personal data, as necessary, for the duration of the relevant business relationship.
We may also retain personal data for longer than the duration of the business relationship should we need to retain it to protect ourselves against legal claims, to meet regulatory requirements, use it for analysis or historical record-keeping, or comply with our data management policies. If you request that we delete your personal data, J2 will make reasonable attempts to delete all instances of your data in their entirety. For requests for access, corrections, or deletion, please refer to the “Your Rights” section of this Privacy Policy.
Children
The Sites are not designed for or directed at children 16 years of age or younger, and J2 does not intentionally collect or maintain personal data about anyone under this age.
J2 recruiting program portal and website
Through the J2 Recruitment portal, you can apply for positions with J2 where you can be notified of any potential job openings or other similar opportunities that might be of interest. All data shared through the J2 Recruitment portal is handled subject to this Privacy Policy.
What are your Data Protection Rights?
Where granted by applicable law, you may have the right to request access to the personal data that we have collected about you to review, modify, or requesting deletion of the data. You may also have the right to request a copy of the personal data that we have collected about you and to have any inaccuracies in that data corrected. In certain circumstances, you may also request that we cease processing your personal data. If this is requested, J2 may not be able to provide the services as described.
If you would like to make a request to access, review, or correct the personal data we have collected about you, or to discuss how we process your personal data, please contact us at admin@guild.financial. To help protect your privacy and security, we If you would like to make a request to access, review, or correct the personal data we have collected about you, or to discuss how we process your personal data, please contact us at admin@guild.financial. To help protect your privacy and security, we will take reasonable steps to verify your identity, such as requiring a password and user ID, before granting access to your personal data. We will make reasonable attempts to promptly investigate, comply with, or otherwise respond to your requests as may be required by applicable law. Different laws may prevent us from providing access to your personal data or otherwise fully complying with your request depending upon the circumstances and the request, such as where producing your information may reveal the identity of someone else. We will notify you of acceptance or denial of your specific requests as necessary. We reserve the right to charge an appropriate fee for complying with your request where allowed by applicable law, and/or deny your requests where they may be manifestly unfounded, and/or excessive, or otherwise objectionable or unwarranted under applicable law.
In addition, and where granted by local law, you have the legal right to lodge a complaint with a competent data protection authority in your respective region.
What types of Cookies do we use?
For more information on cookies, how we use them, types of cookies, and how to manage your cookies, please refer to our Cookie Policy below for more details.
Unsubscribe
If you have registered for J2 newsletters or alerts, or you receive If you have registered for J2 newsletters or alerts, or you receive invitations to survey or events from J2 and you prefer not to receive future email communications from us, please review the communications settings in your profile on J2, follow the instructions on the page of the Site where you have provided such information, subscribed or registered or write to admin@guild.financial to unsubscribe from all J2 communications.
Your California Privacy Rights
If you are a California resident under the age of 18, and a registered If you are a California resident under the age of 18, and a registered user of any of the Sites where this Privacy Policy is posted, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. To make such a request, please send an email with a detailed description of the specific content or information to admin@guild.financial. Please be aware that such a request does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require or allow removal even if requested.
As required by the California Consumer Privacy Act (CCPA), this Privacy Policy describes the categories of personal data collected, processed, and disclosed by J2, the categories of sources for that data, and the business or commercial purposes for which that data is collected, processed, and disclosed.
In addition, under California law, you may have the right (up to two times in any 12-month period) to request more information about J2’s collection, use, disclosure, and sale of personal data about you including:
- The categories of personal data about you that we have collected in the preceding 12 months and the categories of sources of that information,
- The categories of sources from which we have collected that information in the preceding 12 months,
- The commercial or business reason(s) we have collected, used, disclosed, or sold that information, and
- The categories of third parties to whom we have disclosed or sold that information in the preceding 12 months.
In addition, upon receipt of a verifiable request from you establishing your identity, you may have the right to know about the specific pieces of personal data that we have collected about you and/or shared with third parties in the preceding 12 months.
You may also have the right to request deletion of personal data about you that we have collected or maintain, which we will honor subject to certain limitations outlined in California law.
If you are a California consumer and you or your authorized agent would like to exercise your privacy rights, please contact us at admin@guild.financial, or call us at +1 610-517-9910. When we process your request, we require you to provide certain personal data about yourself to verify your identity in accordance with requirements under CCPA. This may include your first and last name, email address, physical address, telephone number, and information about your relationship with us, or other information needed to verify your identity. J2 will not discriminate against you based on your exercise of any of these rights.
Changes to J2’s Privacy Policy
By using the Sites, you consent to the collection, use, and storage of your personal data by us in the manner described in this Privacy Policy and elsewhere on the Sites. We reserve the right to make changes to this Privacy Policy from time to time. We will alert you to any such changes by updating this Privacy Policy. If we make material changes to this Privacy Policy that increase our rights to use personal data that we have previously collected about you, we will obtain your consent either through an email to your registered email address or by prominently posting information about the changes on our Sites.
How to contact us?
If you have any questions about our Privacy Policy, please contact us at:
J2 Financial Technology, Inc.
Privacy Department
+1 610-517-9910
admin@guild.financial
J2 Financial Technologies, Inc. Cookie Policy
Effective Date: October 15, 2021
J2 Financial Technologies, Inc. (d/b/a “Guild Financial or “Guild) and its subsidiaries and affiliates (collectively, “J2”, “us” or “we”) understand that your privacy is important and we are committed to being transparent about the technologies we use. This Cookie Policy explains how and why cookies, web beacons, pixels, and other similar technologies (collectively “cookies and other tracking technologies”) may be stored on and accessed from your device when you use or visit any website or app that posts a link to this Cookie Policy (collectively, “Sites”). This Cookie Policy should be read together with our Privacy Policy.
What are Cookies and Other Tracking Technologies?
A cookie and other tracking technologies are small files that can be stored on and accessed from your device when you visit one of our Sites, to the extent you agree and opt-in. These collectively enable us to recognize your device and collect information about how you use our Sites. You can find more information at http://www.allaboutcookies.org and http://www.youronlinechoices.eu.
How do our Sites use Cookies and Other Tracking Technologies?
J2 uses cookies and other tracking technologies to identify you, your device, your interests, remember your preferences and track your use of our Sites. This information is used to control access to certain content on our Sites, protect our Sites, and process any requests that you make of us. This helps us analyze data about website traffic and improve our website.
When you visit our website for the first time, we will ask you to accept or reject our cookies. Thereafter, dependent on the device or location you are visiting from, after a certain period of time we may ask you to accept or reject our cookies again. The purpose is to remember your preferences (e.g. name, language, etc.) for a certain period of time. In this way, you will not have to re-enter your preferences every time.
Cookies can also be used to compile anonymized statistics on the browsing experience on our Sites. To administer our Sites, J2 has contracted with third-party service providers to track and analyze statistical usage from the users of our Sites. These third-party service providers may use persistent cookies to help us improve user experience and analyze how users navigate and utilize our Sites.
First-party and Third-party Cookies
“First-party Cookies” are cookies that belong to J2, that can only be read by our Sites, and are placed on your device whereas “Third-party Cookies” are cookies that Third-parties places on your device as you visit our site. J2 may contract with third-party service providers to send messages to users who have provided us with their contact information. To help measure and improve the effectiveness of our e-mail communications, and/or to determine whether messages have been opened and links clicked on, the third-party’s may place cookies on the devices of these users.
For more information on how these companies collect and use the information on our behalf, please refer to their respective privacy policies below.
We use the following types of cookies:
We use strictly necessary cookies as they allow us to operate our Sites so you have access to them as requested. We use persistent cookies to improve the experience of using our Sites which includes recording your acceptance of our Cookie Policy. These are cookies that are stored on your computer and are not automatically deleted when you exit the browser (unlike session cookies, which are deleted when you exit the browser or delete your cache. We use session cookies to help us track your usage as described and are temporary and deleted from your machine when your web browser is closed. We use advertising cookies (or targeting cookies) to collect information about browsing habits associated with your device and used by third parties for services such as ‘Like’ or ‘Share’ buttons in addition to providing the requested functionality. Third parties provide these services in return for recognizing that your device visited a certain site. These third parties put down advertising cookies both when you visit our site and when you use their services and navigate away from our site. The data collected by cookies that have been placed on your device will be kept for as long as necessary to fulfill the purposes mentioned above.
We use the following strictly necessary cookies:
| Cookie | Source | Purpose |
|---|---|---|
| debug | J2 | Used for operational analysis of the site |
We use the following persistent cookies:
| Cookie | Source | Purpose |
|---|---|---|
| _ga _gid _gcl_au | Google Analytics | These cookies collect information to measure and understand how visitors use our Site. This includes user activity tracking on this Site, including pages, visited and links clicked. Click here for Google’s privacy policy in respect of Google Analytics http://www.google.com/analytics/learn/privacy.html |
| Bcookie AnalyticsSyncHistory li_gc | This cookie is set by LinkedIn. The purpose of the cookie is to enable LinkedIn functionalities on the page. https://www.linkedin.com/legal/privacy-policy | |
| lidc | This cookie is set by LinkedIn and used for routing. https://www.linkedin.com/legal/privacy-policy | |
| 6UserMatchHistory | Used to track visitors on multiple Sites, in order to present relevant advertisements based on the visitor’s preferences. https://www.linkedin.com/legal/privacy-policy | |
| ajs_user_id ajs_group_id | Segment.io | The cookie is set by Segment.io and is used to analyze how you use the website. https://segment.com/legal/privacy/ |
We use the following session cookies:
| Cookie | Source | Purpose |
|---|---|---|
| Lang | This cookie is used to store the language preferences of a user to serve up content inthat stored language the next time user visitsthe site. https://www.linkedin.com/legal/privacy-policy |
We use the following advertisement cookies:
| Cookie | Source | Purpose |
|---|---|---|
| bscookie | This cookie is a browser ID cookie set by Linked share Buttons and ad tags. https://www.linkedin.com/legal/privacy-policy | |
| test_cookie | doubleclick.net | This cookie is set by http://doubleclick.net. The purpose of the cookie is to determine if the user’s browser supports cookies. |
How do I refuse or withdraw my consent to the use of Cookies?
If you do not want cookies to be placed on your device, you can adjust the setting of your Internet browser to reject all or some cookies and to alert you when a cookie is placed on your device. For further information please refer to your browser ‘help’ / ‘tool’ or ‘edit’ section or see http://www.allaboutcookies.org. Please note that if you use your browser settings to block all cookies you may not be able to access or use all functionality of our Sites.
If you want to remove previously stored cookies, you can manually delete the cookies at any time. However, this will not prevent the Sites from placing further cookies on your device unless and until you adjust your Internet browser setting as described above. For more information on the development of user-profiles and the use of targeting cookies, please see http://www.youronlinechoices.eu if you are located in Europe or www.aboutads.info/choices if in the United States.
Delete cookies from your device
You can delete the cookies you already have on your device by deleting the browser history or cache. This will delete cookies from all websites you have visited. However, you may also lose some of the information you have stored (e.g. login information or preferences for websites).
Blocking cookies
It is possible to set most modern browsers to not accept cookies on the device you are using by default, but in that case, you may have to manually set a number of preferences each you visit a Site or page. In addition, some services and features may not work properly (e.g. profile logins).
How do we use Other Tracking Technologies in our communications?
J2 may collect information about whether you open or click any links in the communications that we send to you through web beacons. A web beacon is a graphic image placed on a site or in an email that alone or in conjunction with cookies compiles information about your interaction with an J2 site or email. For example, we may add web beacons to the communications that we send to you to determine whether you have opened our email or clicked a link. The analysis gathered helps us improve the effectiveness of the content and format of our Sites and communications.
How do I refuse or withdraw my consent to the use of Web Beacons?
You may avoid web beacons by configuring your email program to disable the functionality that enables remote images to load and by not clicking on any links in email messages.
Contact us
If you have any other questions about our Cookie Policy, please contact us at:
J2 Financial Technologies, Inc.
Privacy Department
+1 610-517-9910
admin@guild.financial