Who we are
Welcome to https://guidingcents.com (the “Site”). We understand that privacy online is important to users of our Site, especially when conducting business.
This statement governs our privacy policies with respect to those users of the Site (“Visitors”) who visit without transacting business and Visitors who register to transact business on the Site and make use of the various services offered by Guiding Cents℠ dot com (collectively, “Services”) (“Authorized Customers”).
Many of the posts on this site may refer the visitor to services with whom are affiliates in the financial services industry
What personal data we collect and why we collect it
We may collect basic user profile information from all of our Visitors.
We collect the following additional information from our Authorized Customers: the names, addresses, phone numbers and email addresses of Authorized Customers, the nature and size of the business, and the nature and size of the advertising inventory that the Authorized Customer intends to purchase or sell.
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Personally Identifiable Information collected by Guiding Cents℠ through contact forms is securely stored and is not accessible to third parties or employees of Guiding Cents℠ except for use as indicated above.
Guiding Cents℠ uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information.
For a complete explanation of our cookies policy visit our Cookies Policy page. Opens in a new tab.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year.
If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
Some pages may have scripts from Google or social platforms embedded into them for the purposes of re-marketing later through these specific platforms.
This data is only used if there are advertising campaigns established on these social and search platforms. No personal data is collected through analytics.
Who we share your data with
All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information.
We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols.
These are in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place. We will not be liable to Visitors or Authorized Customers for any such occurrences.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us.
You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service. We may collect basic user profile information from all of our Visitors as they volunteer it by registering through specific collection forms.
We can collect the following additional information from our Authorized Customers upon them voluntarily filling in the specific forms: the names, addresses, phone numbers and email addresses of Authorized Customers, the nature and size of the business, and the nature and size of the advertising inventory that the Authorized Customer intends to purchase or sell. This information is kept private within our site and is not released to third parties
Your contact information
Your contact information is kept secure. Visitors and Authorized Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at martin @ guidingcents dot com.
https://guidingcents.com contains links to other web sites. Please note that when you click on one of these links that you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.
What data breach procedures we have in place
Any individual who suspects that a theft, breach or exposure of Loyola Protected data or Loyola Sensitive data has occurred must immediately provide a description of what occurred via email to martin @ guidingcents dot com. In subject line write: “Data Breach Suspected”. This email address, phone number, and web page are monitored by Guiding Cents’s Security team.
This team will investigate all reported thefts, data breaches and exposures to confirm if a theft, breach or exposure has occurred. If a theft, breach or exposure has occurred, the Information Security team will follow the appropriate procedure depending on the class of data involved.
What third parties we receive data from
In addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect this information from our Visitors and Authorized Customers.
We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them from Visitors and Authorized Customers.
Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information given to them.
Industry regulatory disclosure requirements
Companies that are privately owned are not required by law to disclose detailed financial and operating information in most instances.
They enjoy wide latitude in deciding what types of information to make available to the public. Small businesses and other enterprises that are privately owned may shield information from public knowledge and determine for themselves who needs to know specific types of information.
Companies that are publicly owned, on the other hand, are subject to detailed disclosure laws about their financial condition, operating results, management compensation, and other areas of their business.
While these disclosure obligations are primarily linked with large publicly traded companies, many smaller companies choose to raise capital by making shares in the company available to investors.
In such instances, the small business is subject to many of the same disclosure laws that apply to large corporations.
Disclosure laws and regulations are monitored and enforced by the U.S. Securities and Exchange Commission (SEC).