Privacy Policy

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1. Introduction

Welcome to Merrill Calculator ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide to us when you:

• Register for an account
• Express an interest in obtaining information about us or our products and services
• Participate in activities on our website
• Contact us

The personal information we collect may include:

• Name and contact data (email address, phone number, mailing address)
• Credentials (passwords, password hints, and similar security information)
• Financial information (bank account numbers, credit card numbers, financial statements)
• Government-issued identification documents
• Employment information
• Investment experience and objectives

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Operating system
• Referral source
• Pages visited
• Time and date of visits

3. How We Use Your Information

We use the information we collect or receive:

• To facilitate account creation and the login process
• To provide and maintain our services
• To process your transactions and manage your orders
• To send administrative information to you
• To fulfill and manage your orders
• To respond to customer service requests
• To send you marketing and promotional communications
• To deliver targeted advertising to you
• To protect our services and comply with legal obligations
• To respond to legal requests and prevent harm

4. Sharing Your Information

We may share your information in the following situations:

• With Service Providers: We may share your data with third-party vendors, service providers, contractors, or agents who perform services for us.
• For Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition.
• With Your Consent: We may disclose your personal information for any other purpose with your consent.
• Legal Requirements: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, or legal process.

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

6. Data Security

We implement appropriate technical and organizational security measures to protect the security of your personal information. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure.

We use industry-standard encryption technologies and secure socket layer (SSL) certificates to protect the transmission of sensitive information.

7. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

8. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• The right to access – You have the right to request copies of your personal data.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us.

10. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read the privacy policies of every website you visit.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

12. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

Merrill Calculator Privacy Office
Bank of America Tower
One Bryant Park
New York, NY 10036
United States

Email: privacy@merrillcalculator.com
Phone: 1-877-653-4732

13. Regulatory Information

Merrill Calculator is regulated by the Investment Industry Regulatory Organization of United States (IIROC) and is a member of the Canadian Investor Protection Fund (CIPF). We comply with all applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).