Privacy policy

 

This Privacy Policy outlines our policies and procedures regarding the collection, use, and disclosure of your information when you use the Service. It also explains your privacy rights and how the law protects you. 

 

Last Updated: April 1, 2025

Interpretation and Definitions

Interpretation 

Words with an initial capitalized letter have specific meanings defined below. These meanings apply whether used in singular or plural form.

Definitions 

– Account: A unique account created for you to access our Service or its features. 

– Company: Calculated Risk Advisors, LLC (“We,” “Us,” or “Our”), located at 200 S. Andrews Ave., Suite 504, Fort Lauderdale, FL 33309. For GDPR purposes, the Company is the Data Controller. 

– Cookies: Small files placed on your Device by a website, storing details of your browsing activity. 

– Country: Florida, United States. 

– Data Controller: Under GDPR, the Company, as the entity determining the purposes and means of processing Personal Data.

– Device: Any device accessing the Service (e.g., computer, cellphone, tablet). 

– Do Not Track (DNT): A browser setting allowing you to signal your preference against online tracking. 

– Personal Data: Information relating to an identified or identifiable individual. For GDPR, this includes names, identifiers, or location data. For the Florida Digital Bill of Rights (FDBR), it includes data that can reasonably be linked to you. 

– Service: The Website. 

– Service Provider: Any person or entity processing data on our behalf (e.g., third-party vendors). Under GDPR, these are Data Processors. 

– Usage Data: Data collected automatically from your use of the Service (e.g., page visit duration). 

– Website: Calculated Risk Advisors, accessible at https://calculatedriskadvisors.com. 

– You: The individual or entity using the Service. Under GDPR, you may be the Data Subject or User.

Collecting and Using Your Personal Data

Types of Data Collected

– Personal Data: We may collect: 

– Email address 

– First and last name 

– Usage Data 

– Usage Data: Automatically collected data may include your Device’s IP address, browser type, browser version, pages visited, visit time/date, time spent on pages, and unique device identifiers. For mobile access, we may also collect device type, mobile ID, operating system, and browser type. 

– Comments and Media: When you comment, we collect form data, your IP address, and browser user agent for spam detection. An anonymized email hash may be shared with Gravatar (see https://automattic.com/privacy/). Approved comments display your profile picture publicly. Uploaded images should exclude EXIF GPS data, as it can be extracted by visitors. 

– Cookies and Tracking: We use Cookies and technologies like web beacons to track activity and improve the Service: 

  – Necessary Cookies (Session, by Us): Enable core features and authentication. 

  – Acceptance Cookies (Persistent, by Us): Record your Cookie consent (1 year). 

  – Functionality Cookies (Persistent, by Us): Save preferences (e.g., login details, 2 days or 2 weeks with “Remember Me”). 

  – Performance Cookies (Persistent, by third parties): Analyze traffic and usage. Temporary login cookies (no personal data) expire when you close your browser. Editing articles adds a 1-day cookie with the post ID.

Use of Your Personal Data 

We may use Personal Data to: 

– Provide and maintain the Service, including usage monitoring. 

– Manage your Account and registration. 

– Perform contracts (e.g., purchases). 

– Contact you via email, SMS, or notifications about updates or services. 

– Send news or offers (opt-out available). 

– Address your requests. 

– Facilitate business transfers (e.g., mergers). 

– Analyze usage trends and improve the Service. 

Sharing Your Personal Data 

We may share your Personal Data with: 

– Service Providers: For analytics (e.g., Google Analytics, https://policies.google.com/privacy), payment processing (e.g., Stripe, https://stripe.com/us/privacy), or communication. 

– Affiliates: Bound by this Policy. 

– Business Partners: For offers, with your consent. 

– Other Users: In public areas (e.g., comments). 

– Third Parties: We will not sell, provide, or transfer your email address to others. With your consent or during business transfers (e.g., mergers). If a password reset is requested, your IP address is included in the reset email


Retention of Your Personal Data 

We retain Personal Data as needed for this Policy’s purposes, legal obligations, or dispute resolution. Comments and metadata are kept indefinitely for moderation efficiency. Usage Data is retained briefly unless required for security or legal compliance. Registered users’ profile data is stored indefinitely but editable by you (except username).

Transfer of Your Personal Data 

Your data may be processed outside your jurisdiction, subject to differing laws. Your consent to this Policy permits such transfers, with safeguards in place for security.

Disclosure of Your Personal Data 

– Business Transactions: Data may transfer during mergers or sales, with prior notice. 

– Law Enforcement: Required disclosures comply with legal requests. 

– Legal Requirements: Disclosures may protect rights, prevent wrongdoing, or ensure safety.

Security of Your Personal Data 

We use industry-standard measures to protect your Personal Data, though no method is fully secure.

Embedded Content 

Embedded content (e.g., videos) from other websites may collect data or use cookies per their policies.

Your Data Rights 

If you have an Account or comment, you may request an export or erasure of your Personal Data, except where we must retain it for legal, administrative, or security purposes. Visitor comments may be screened by automated spam detection.

GDPR Privacy

 

Legal Basis 

We process Personal Data under: 

– Consent 

– Contract performance 

– Legal obligations 

– Legitimate interests 

 

Your GDPR Rights 

EU residents may: 

– Access, update, or delete your Personal Data (via Account settings or support@calculatedriskadvisors.com). 

– Correct inaccuracies. 

– Object to processing. 

– Request erasure or data portability. 

– Withdraw consent. 

Contact us to exercise rights or file complaints with an EEA Data Protection Authority.

 

Florida Digital Bill of Rights (FDBR) 

For Florida residents: 

– Categories Collected: Identifiers, Personal Information, Commercial Information, Internet Activity (past 12 months). 

– Sources: You (forms, activity), cookies, Service Providers. 

– Uses: Service delivery, support, transactions, legal compliance. 

– Sharing: With Service Providers under confidentiality terms. 

– Rights: Know, access, correct, delete, opt-out of sales. Contact us at support@calculatedriskadvisors.com or 200 S. Andrews Ave., Suite 504, Fort Lauderdale, FL 33309 with verifiable requests. Responses occur within 45 days, extendable if needed.

“Do Not Track” Policy 

We do not respond to DNT signals. Adjust browser settings to disable tracking.

Children’s Privacy 

We do not knowingly collect data from those under 13. Contact us if your child’s data is involved.

Links to Other Websites 

We are not responsible for third-party sites linked from our Service.

 

Changes to This Privacy Policy 

Updates will be posted here, with notice via email or the Service. Review periodically.

Contact Us 

– Mail: Calculated Risk Advisors, LLC, 200 S. Andrews Ave., Suite 504, Fort Lauderdale, FL 33309