This Privacy Policy applies to www.WorldwideQuarterly.com and any affiliated site operated by or for (Worldwide Quarterly the "Website"). The Website is an Internet property of Worldwide Quarterly "Worldwide Quarterly"). It explains how we collect information from users of the Website and how we use it. Your continued use of the Website and our services constitutes your acceptance of this Privacy Policy. 

 

Definitions

• Service

• The Service is www.WorldwideQuarterly.com, which Worldwide Quarterly Personal Data operates.

• Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).

• Usage Data

• Usage Data is data collected automatically, either generated by the Service or from the Service infrastructure itself (for example, the duration of a page visit).

• Cookies

• Cookies are small pieces of data stored on your device (computer or mobile device).

• Data Controller

• Data Controller means the natural or legal person who (alone or jointly or in familiarity with other persons) determines the purposes for which and how personal information is processed. For this Privacy Policy, we are a Data Controller of your Personal Data.

• Data Processors (or Service Providers)

• Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller. We may use the services of various Service Providers to process your data more effectively.

• Data Subject (or User)

• Data Subject is any living individual using our Service and is the subject of Personal Data.

The Information We Collect and Use While using our Service, we may ask you to provide us with certain personally identifiable information that we can use to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

• Email address

• First name and last name

• Phone number

• Address, State, Province, ZIP/Postal code, City

• Cookies and Usage Data

• IP address

We also may collect information that we can use to identify you ("Personally Identifiable Information"). Data might include your name, email address, mailing address, telephone number, or credit card number. We only collect Personally Identifiable Information when you specifically provide it to us. The process will begin by registering for a user account, logging on with your user name and password, ordering a publication or Service, participating in a promotional offer, or submitting content to the Website. We may use personally identifiable information to offer you products and services from Worldwide Quarterly, to enhance your experience on the Website, and, if applicable, to improve your experience as a subscriber to Worldwide Quarterly's products and services.

 

Use of Data

 

Worldwide Quarterly uses the collected data for various purposes:

• To provide and maintain our Service

• To notify you about changes to our Service.

• To allow you to participate in interactive features of our Service when you choose to do so

• To provide customer support

• To gather analysis or valuable information so that we can improve our Service

• To monitor the usage of our Service

• To detect, prevent, and address technical issues

• To provide you with news, special offers, and general information about other goods, services, and events that we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information

 

Retention of Data

Worldwide Quarterly, we will retain your data only for as long as necessary for the purposes set out in this privacy policy. We will retain and use your Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. Also, as professional biographers, the collected information will be retained to construct the most complete biographical history for our listees.

Worldwide Quarterly will also retain Usage Data for internal analysis. Usage Data is stored for a shorter time, except when this data is used to strengthen security or improve our Service's functionality, or we are legally obligated to retain this data for extended periods.

Transfer of Data

Your information, including Personal Data, may be transferred to – and maintained on – computers outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.

Your consent to this Privacy Policy, followed by submitting such information, represents your agreement to that transfer.

Worldwide Quarterly. We will take all necessary steps to ensure your data is treated securely and follows this privacy policy. Transfer of your Personal Data will only occur to an organization or a country if adequate controls exist, including the security of your data and other personal information.

 

Disclosure of Data

Legal Requirements

Worldwide Quarterly may disclose your Personal Data in the good faith belief that such action is necessary to:

• To comply with a legal obligation

• To protect and defend the rights or property of Worldwide Quarterly.

• To prevent or investigate possible wrongdoing in connection with the Service

• To protect the personal safety of users of the Service or the public

• To protect against legal liability

 

Dissemination of Your Information

We use information about how you interact with our Website to personalize it, keep you safe from harm, and improve the Website and our services. We use your information to provide requested services and to support core business functions such as:

1. Fulfilling your requests for services and communicating with you about those requests.

2. Confirm registration at the Website and servicing your account.

3. We provide customer service and alert you to the services we provide.

4. Please help us improve and customize our service offerings, Website, and advertising.

5. Sending you information about our services.

6. Protecting the security or integrity of our Website and our business.

7. Analyzing and underwriting your requests for our services.

To accomplish these purposes, we may combine personal and non-personal information we collect online with offline information, including information from third parties. We may also share Personally Identifiable Information with third parties, who may contact you to offer products and services. You can contact Worldwide Quarterly at any time by emailing us to request that we not share your Personally Identifiable Information with third parties.

We may employ other people or firms ("Outside Contractors") to provide services and products, such as credit card processing, fraud screening, order fulfillment and shipment, and website hosting or development. Outside Contractors may sometimes have access to Personally Identifiable Information to the extent necessary to do their work for us. However, we require Outside Contractors to protect the privacy of your Personally Identifiable Information. We also need them not to use or disclose your Personally Identifiable Information for any purpose other than providing us with products or services for which we contracted.

We may share your data with third parties to whom we may sell, transfer, or merge parts of our business or assets. Alternatively, we may seek to acquire other companies or merge with them. If a change happens to our business, the new owners may use your data the same way as set out in this privacy policy.

 

 

Service Providers

We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services, or to assist us in analyzing how our Services function.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

 

Session Replay Technology

We use ActiveProspect's TrustedForm to document your consent to being reached by telephone, text, or email. This technology also allows us to certify that your application is yours and to replay the session in which you have applied.

 

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

 

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. Data is mutual with other Google services, and Google may use the collected data to contextualize and personalize the ads of its advertising network.

You can opt out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents Google Analytics JavaScript from sharing information with Google Analytics about visits activity.

 

Amended Telemarketing Sales Rule

We may share aggregate and statistical data that does not identify you personally. We may do this for research and marketing purposes, for instance, to describe our services to prospective partners or advertisers and for other lawful purposes. You agree that by submitting your email address to the Website, you may receive email marketing from us and our third-party advertisers. In addition, you agree that such an act constitutes a purchase, an inquiry, and an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R. ยง310 et seq. (the "ATSR"). Concerning the ATSR, and notwithstanding that your telephone number may be on the Federal Trade Commission's Do-Not-Call List, we or our designee retain the right and you at this moment expressly authorize us and our designee to contact you via telemarketing following the terms of the ATSR. Moreover, by registering with or requesting information from us or another third-party advertiser at or through the Website, such action shall constitute a purchase, an inquiry, and an application with the respective affiliated third-party advertiser for purposes of their compliance with the ATSR. You may be contacted via email, instant messaging, text messaging, direct mail, and telemarketing by such third-party advertiser following the terms of the ATSR.

 

How We Use and Share Financial Information

As stated above, we do not collect social security information. However, to the extent applicable, for purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the "G.L.B. Act"), the California Financial Information Privacy Act ("CFIPA") and the Vermont Consumer Protection Act, 8 V.S.A. 10202 ("VCPA"), we will not share nonpublic personally identifiable financial information with our affiliates or non-affiliates without providing borrowers with an annual Privacy Notice explaining that we will be sharing this nonpublic personally identifiable information with our affiliates or non-affiliates and, for purposes of the G.L.B. Act, providing borrowers with the opportunity to opt-out from such disclosures.

For compliance with the G.L.B. Act, the CFIPA, and the VCPA, this Privacy Policy shall serve as your initial customer relationship and annual Privacy Notice defined under the G.L.B. Act, CFIPA, and VCPA, respectively. Please email us if you want to avoid disclosing your personal information to any third party for marketing purposes.

 

Third-Party Links

When you connect to the Website through third-party websites, those websites might share information about you with us. Those third-party websites may show information about you to us. However, the sharing of this information is determined by their privacy policies. While we currently do not advertise on the Website, we do not endorse, nor are we responsible for the accuracy of, the privacy policies and terms and conditions of any third-party advertisers that may advertise on the Website. The entities that may promote and place banner ads on our Website, including, but not limited to these third-party advertisers, are independent third parties and are not affiliated with us. We encourage our users to be aware when they leave our Website and to read the privacy policies of every Website that collects personally identifiable information. This Privacy Policy applies solely to information collected by us or on our Website.

 

Data Security

Securing your information is a company priority. When our registration/application process requests that you provide us with sensitive information and when we store and transmit such sensitive information, that information is encrypted and protected with SSL encryption software. While we use SSL encryption to protect sensitive information online, we also do everything we can to protect user information offline. However, no method of security is 100% effective, and we cannot be responsible for the actions of those who may gain unauthorized access to your personal information. Worldwide Quarterly makes no warranties, express, implied, or otherwise, regarding the ultimate effectiveness of these reasonable and appropriate safeguards. All collected data collected are secure in a technically and physically secure environment. Access to this information is strictly limited and not accessible to the public.

Only employees who need the information to perform a specific job (for example, an account representative) have monitored access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any appropriate regulatory agencies if we encounter an information security breach concerning your personal information. We will inform you via email in the event of such a breach. Please be advised that the notice addresses the needs of law enforcement, determines the scope of network damage, and engages in remedial measures. Your account information is accessible by the password you use to access your online account. Please keep this password confidential if your browser can SSL (and most are); we protect your account information during transport across the Internet. We comply with industry-standard requirements. These standards require safeguards for handling and securing borrower information. These include using secure networks, encryption or other protection of cardholder data, physical and technical access controls, monitors and tests of security systems, and information security policies.

 

Changes to the Privacy Policy

We reserve the right to change or update this Privacy Policy at any time by posting a notice on the Website explaining that we are changing our Privacy Policy. If how we use personal information changes, we will notify our users by posting the changes on the Website and sending out an email or mail notification to our impacted customers notifying them of the changes and providing them with the opportunity to opt-out of the provisions relating to the transfer of their personal information. Other than where the user opts out, and affirmative consent is required for California and Vermont residents, the user's continued use of our Website and continued receipt of our emails constitutes an affirmative acknowledgment and acceptance by the user of the modified Privacy Policy.

Please email us if you wish to opt out of our privacy policy at any time.

 

Electronic Signatures and Electronic Records

By submitting your information and agreeing to the terms of this Privacy Policy, you understand and affirm that you agree to be bound by the Privacy Policy and all other agreements and terms and conditions found on the Website by using your electronic signature and that your electronic signature is as legally binding as a physical signature on paper. Furthermore, you agree that you will use an electronic signature to accept electronic records regarding our services offered by our Website, including, but not limited to, this Privacy Policy. You further agree and consent: (i) to receive surveys, agreements, and other information we provided or otherwise available to you electronically. Included in those agreements, surveys, and additional information may be disclosures required by federal, state, and local laws and regulations, where allowed by such rules; (ii) to be bound by the terms and conditions of the agreements, applications, and other information provided to you by us electronically; (iii) to use and receive electronic records and electronic signatures in conducting business with us, including agreeing to the terms of the Privacy Policy; (iv) that to electronically receive agreements, applications, and other information, you will need a compatible operating system, web browser, and email application. You will need access to a printer or the ability to download information to keep copies of such documents for my records. The operating systems, web browsers, and email applications identified herein are compatible. You furthermore understand that you are indicating that you can access the agreements, surveys, and other information and download or print copies for your records; (v) for customer service or technical assistance regarding electronic documents or electronic signatures, you may contact us by email; (vi) you may obtain a paper copy of the agreements, applications, and other information at any time by contacting us by email. We will not charge a fee for any paper copy. 

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​Cancellation and Refund Policy ​​

 

Worldwide Quarterly - Cancellation and Refund Policy

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At Worldwide Quarterly, we value your satisfaction and aim to provide the best experience possible. Please note that all sales are final and non-refundable. We encourage you to review the terms of your purchase carefully.

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Cancellation and Refund Policy

 

Final Sale Policy:

 

All purchases with Worldwide Quarterly are final and non-refundable. Once a purchase is made, it is considered complete and cannot be refunded.

 

Contact Us:

 

If you have any questions or need assistance, please feel free to reach out to us at info@worldwidequarterly.com.

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Thank you for choosing Worldwide Quarterly. We appreciate your business and are committed to delivering excellent service.

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Sincerely,
The Worldwide Quarterly Team

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