Privacy Policy

Money Morning Live ("we," "our," or "us"), a publication of First Light Financial LLC, provides this privacy policy to describe how we collect, use, and share the information of individuals who visit our website (the "Website") and all its related websites.

We know that your personal information is important to you and here at Money Morning Live we are committed to ensuring it is kept secure and used carefully.

Below you will find a short summary of how and why we collect and use your data, who we share it with, and what we are doing to make sure your data is safe and secure.

What does Money Morning Live do?

Money Morning Live is a privately owned publishing company operated by First Light Financial LLC. We publish news, analysis and opinion on a wide range of subjects related to finance, investing, and the economy.

What information do we collect and how is it used?

The information that we may collect about you broadly falls into two categories:

Information that you provide

We may ask you to provide personal information when you visit our Website, order forms and third-party websites where our advertisements are displayed, in order to provide our services to you. This may include your name, address, email address, phone number, payment information including credit card and debit card information you use in connection with the Services, your account history, including information about your subscription, account, transactions, purchases and order history, and location information.

We use that information to (i) deliver subscriptions to you; (ii) enable you to register an account with us and access subscriber-only areas of our Website; (iii) personalize and improve your experience with our services, Website, and communications; (iv) conduct advertising and marketing activities, including sending you offers from us and selected third-party partners; (v) send you text message (SMS) alerts if you have opted in to our SMS program.

Information that we collect automatically

When you visit our Website, we may collect certain information automatically from your device. The data we collect may include information like your IP address, device type, unique device identification numbers, browser-type, operating system and version, and other technical and device information. We may also collect information about how your device has interacted with our Website, including the pages accessed and links clicked. This data is collected using cookies and similar technology.

We collect this information so we can better understand the visitors who come to our Website and what content may be of interest to them. Using the information allows us to improve the quality and relevance of our Website and services.

Sensitive Personal Information

Our collection of Sensitive Personal Information (as defined under applicable state privacy laws, including the California Consumer Privacy Act) is limited, and we collect it directly from consumers with their informed consent. We provide detailed notice and obtain explicit consent outlining the specific purpose for which we use such information at the point of collection. We have collected the following categories of Sensitive Personal Information from consumers in the last 12 months:

• Account access information. Information such as account log-in credentials, financial account numbers, debit card, or credit card number, in each case in combination with any required security or access code, password, or other credentials allowing access to an account.
• Precise geolocation. We collect precise geolocation data only with your express consent through device-level permissions, and you may withdraw this consent at any time through device settings.

Who does Money Morning Live share your information with?

We may disclose your personal information to the following categories of recipients:

• To our group companies who provide services to us, for example, enhancing the security of our Website or processing personal information for the purposes described in this privacy policy;
• To third-party service providers who provide additional data processing services, for example, analyzing data, providing marketing assistance, assisting with the processing of credit card payments, delivering your subscriptions, or personalizing and improving your experience with us;
• To our group companies and to third parties so that they can market products and services we think may be of interest to you;
• As part of a corporate sale, merger, or acquisition, or other transfer of all or part of our assets, including as part of a bankruptcy proceeding;
• To any competent law enforcement body, regulatory, government agency, or similar other third party where we believe disclosure is necessary as a matter of applicable law or regulation;
• With your consent or as otherwise disclosed at the time of data collection or sharing.

Digital advertising & analytics

We may also work with third parties that collect data about your use of the Website and other sites or apps over time for non-advertising purposes. Money Morning Live uses Google Analytics and other third-party services to improve the performance of the website and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Website, visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.

Cookies

Cookies are small files placed on your hard drive by an internet server when you visit a website. Some cookies can be used to identify your computer each time you visit a site.

Our website uses cookies to allow authentication for access to the Subscriber Only areas of our sites. We may also use cookies to track site usage, traffic patterns and to deliver ads for services we think will be of interest to you.

Your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, our Website may not function as well as intended.

Third-party links and tools

Our Website may include hyperlinks to other websites that are not operated or controlled by us. This privacy policy only applies to our Website, and we are not responsible for the content or the privacy practices of third-party websites. You should review the privacy notices of other websites that you use to learn about their data practices.

Policy against advertising our Website using unsolicited email messages

We require that all third party e-mails promoting Money Morning Live or our products are sent only to those who have agreed to receive such messages. We prohibit any advertising of us and our websites using unsolicited email messages. If you feel you've been sent unsolicited emails promoting us or our websites and would like to register a complaint, please email us at support@moneymorninglive.com.

Your choices

If at any time you wish to be removed from the Money Morning Live mailing list, please email us at support@moneymorninglive.com to contact our customer service department.

We fund our free daily editorial email by advertising our services and those of other group companies within our editorial email, and by sending separate promotional emails. There is an unsubscribe link in each of these emails and you can unsubscribe at any time.

Updates to this privacy policy

We may update this privacy policy from time to time in response to changing legal, technical or business developments. When we update our privacy policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. You can see when this privacy policy was last updated by checking the "last updated" date displayed at the top of this privacy policy.

State-Specific Disclosures for Consumer Privacy Rights

This section contains disclosures required by applicable state privacy laws including the California Consumer Privacy Act ("CCPA"), the California Privacy Rights Act ("CPRA"), the Virginia Consumer Data Protection Act ("CDPA"), the Colorado Privacy Act ("CPA"), the Connecticut Data Privacy Act ("CTDPA"), and other state privacy laws.

Personal Information We Collect, Disclose, Sell & Share for a Business Purpose

We collect the categories of personal information about consumers identified in the chart below. In the past 12 months we have disclosed and sold/shared consumers' personal information to third parties for business or commercial purposes.

• Personal and online identifiers (such as first and last name, email address, phone number, or unique online identifiers) - Yes
• Commercial or transactions information (such as records of products or services purchased, obtained or considered) - Yes
• Internet or other electronic network activity information (such as browsing history, search history, interactions with a website or advertisement) - Yes
• Inferences drawn from the above information about your predicted characteristics and preferences - Yes

Consumer Rights Regarding Personal Information

Residents of states with comprehensive privacy laws have certain rights with respect to their personal information:

• The right to know/access the categories and specific pieces of personal information we collect, use, disclose, and sell/share about you.
• The right to request that we delete the personal information we have collected from you or maintain about you.
• The right to opt out of our sale or sharing of your personal information.
• The right to correct inaccurate personal information we have collected from you or maintain about you.
• The right to opt out of targeted advertising.
• The right not to receive discriminatory treatment for the exercise of your privacy rights.

To exercise any of the above rights, please submit a privacy request or contact us at support@moneymorninglive.com.

Children's Privacy

Our services, publications, and marketing activities are intended for adults and are not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we learn that we have inadvertently collected personal information of a child under 13, we will promptly take reasonable steps to delete such information from our systems.

International Customers

Primarily personal information is collected, maintained and processed in the United States. By visiting our website, you acknowledge and agree to the transfer of your personal information to the United States and to such practices pertaining to the collection, maintenance and processing of your personal information in accordance with this Privacy Policy and applicable law.

Contact for More Information

If you have any questions or concerns about our use of your personal information, please contact us:

Money Morning Live (First Light Financial LLC)
1001 Cathedral St, Baltimore, MD 21201
Phone: 406-534-9861
Email: support@moneymorninglive.com