Privacy Policy

(a) personal information, which individual users provide (b) tracking information, which is automatically collected about all visitors to our sites.

2.1 Personal Information

Decipher collects personal information in several places on our web site, which are set forth generally below. We will always provide a secure area of our sites for you to enter your information.

2.2 Membership

Currently, we do not require users to become members of Decipher in order to have access to the free commentary, analysis and news available on our site. However, if you'd like to receive one or more of our free email newsletters, gain access select commentary articles, we require you to register here to become a member. In order to register, you'll have to supply us with your email and postal addresses, choose a unique User Name and password, and provide us with some additional information about you.

2.3 Premium Services

If you'd like access to one or more of our premium subscription-based services, you first must register as a member of Decipher as described above, and then you'll have to pick a unique User Name and password. Then, on the subscription registration page for the premium service you are interested in, you'll need to supply us with the information specified to activate your free trial or paid subscription.

2.4 Tracking Information

Tracking data consists of both individual and aggregated tracking information and is automatically gathered using "cookies". A cookie is a small data file containing information, such as a user's login name, that is written to the user's hard drive by a web server and used to track the pages visited. Cookies used by Decipher are encoded and contain a unique digital signature to prevent tampering. They do not contain user passwords. The individual information gathered in this manner is used for internal purposes only, such as accessing a member's account information. We also use the information on an aggregate basis, to track the readership of stories and usage of our products, to analyze traffic patterns on our sites, and to provide anonymous reporting of usage for internal and external clients.

You can control your browser's settings regarding cookies by selecting "Internet Options" or "Preferences" in the menu bar of your browser. This will allow you to prevent your browser from accepting new cookies, have your browser notify you when you receive a new cookie, or disable cookies altogether. However, because cookies allow you to easily navigate our web sites without having to constantly log in using your User Name and password, we recommend that you leave them turned on.

2.5 Tracking by our Advertisers

Decipher advertisers include financial services companies (such as brokerage firms, banks, and mortgage companies) and non-financial services companies (such as computer manufacturers, software companies, automobile makers and retail stores). Decipher advertisers and advertising vendors display targeted advertisements. Although Decipher does not provide any personal information to the advertiser or advertising vendor, by interacting with or clicking on an ad you consent to the possibility that the advertiser will assume you meet the targeting criteria used. In addition to cookies placed by Decipher, described above, advertisers and advertising vendors that serve ads onto our web sites may use their own cookies or other tracking technologies. We cannot be responsible for the privacy policies or practices of any such advertisers and vendors.

3.1 Disclosures Permitted by Law

Decipher does not sell or disclose personal information about you described above to with other people or non-affiliated companies, except to provide you with products or services, when we have your permission, or under the following circumstances:

• We provide the information on a confidential basis to non-affiliated companies we engage as contractors or agents to perform services for us, such as maintaining software, sending direct mail or administering a sweepstakes or contest. Information will be shared with such contractors only to the extent reasonably necessary for them to perform services on our behalf, and pursuant to confidentiality obligations;
• In response to subpoenas, court orders, or legal process, from law enforcement agencies or state and federal regulators;

If we sell or otherwise transfer substantially all of our assets related to any web site that we own or operate and any product or service that we offer. In that event, we will require such third party to honour our current Privacy Policy, until the third party provides you with notice of changes to our Privacy Policy and permits you to exercise any rights you may have under applicable law to limit disclosures of information about you.

3.2 Disclosures for Joint Marketing and Servicing

Decipher may disclose all the information we collect as described above to other companies such as direct marketers to perform marketing services on our behalf, or to financial institutions, such as banks, insurance companies and securities broker-dealers, with whom we have joint marketing agreements.

4.1 Free Newsletters

If you're a registered member of Decipher, we use your email address to send you free email newsletters containing selected stories, market information, advertisements and links to our sites. You can select which free newsletters you would like to receive or remove yourself from our free newsletter delivery list at any time by visiting the Communication Preferences page.

4.2 Premium Services

If you're a subscriber, we use your email address, postal address or fax number, as applicable, to deliver our premium products and services. You can view your account information at any time by visiting the Account Information page.

4.3 Special Offers and Advertisements

We may from time to time send you special offers and advertisements for products or services offered by third parties. We will not disclose any of your personal information to such third parties when we do this. If you do not wish to receive third party offers and advertisements, please change your settings on our Communication Preferences page.