1. About This Policy And Us

(a) Who we are

Biz Hedge, Ltd. (“Biz Hedge,” “we”, “our” or “us”) operates the Services. This Policy supplements and is governed by our Terms of Service (“Terms”). Capitalized terms used but not defined in this Policy are defined in our Terms. The Terms describe how the Services work in general and its conditions and requirements of use.

(b) When this Policy applies

This Policy applies when you use the Services, effective as of the Last Updated date above. By using or accessing the Services, you signify that you have read, understand and agree to be bound by this Policy and the Terms.

Because the Services change often, this Policy may change over time. Anytime we modify the Policy, we will post a revised version on the Services and update the Last Updated date above. If you have given us your contact information, we will notify you before any material changes take effect, so you have time to review them.

Certain parts of our Services may have additional terms and privacy disclosures that supplement this, Policy.

If we introduce new features or sections in the future, such as educational resources or learning programs, we will update this Policy accordingly to reflect how those services handle user data.

The Services may contain links to and from third-party websites and services. This Policy does not apply to information collected outside of our Services. See our Third-Party Services Policy to learn more.

If you are a current or former employee or contractor of Biz Hedge, this Privacy Policy does not apply to you. For inquiries about your privacy rights and practices, you may contact us at team@bizhedge.com.

If we receive your information while acting as a service provider to another business, our agreement with that business will govern how we use your information. Any questions or concerns regarding your data should be directed to that business.

(c) Location-specific sections

The Services operate from the United Kingdom, but this Policy applies worldwide. Our data practices generally remain consistent regardless of your location, but your rights and choices may vary based on the laws applicable in your country. For example, you may have rights under: (1) “GDPR”: The UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, as well as the EU General Data Protection Regulation (EU GDPR) 2016/679; or (2) “CCPA”: the California Consumer Privacy Act, as applicable.         

How This Policy Applies Based on your Location:

Residents of the UK, EU, and Switzerland should refer to the Rights under GDPR and International Data Transfers sections.

Residents of Canada should refer to the Canadian Users section, which outlines their rights under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws.

Residents of the United States should refer to the Rights under U.S. PrivacyLaws section. We extend the rights granted under the California Consumer Privacy Act (CCPA) to all U.S. residents where applicable, except where specified otherwise.

If any of these sections apply to you, they take precedence over conflicting terms elsewhere in this Policy. If you have any questions about your rights under data protection laws, please contact us at privacy@bizhedge.com.

(a) Information you provide

You may use the Services without providing any information about yourself. However, to use some aspects of the Services, we will need information about you, such as if you:

Purchase our Offerings or services

Contact or communicate with us

Subscribe or opt-in to our newsletters, alerts, or other communications

Participate in a contest or promotion or redeem a prize

Information you provide may include your name or email address (“personal identifiers”).

We generally don’t collect (or want!) your sensitive information, and we strive to limit the amount of sensitive personal information we collect.

For instance, make a purchase through our Services, your payment information, like your full credit card number and any payment-related security information, is only collected and processed by our payment processor.

In the event you provide sensitive personal information to us, we use it only for our operational business purposes, and we do not disclose it to others for any other purpose.

(b) Information collected when you use the Services

As you use the Services, cookies and other technology we use will generate technical data about which features you use, how you use them and the devices you use to access our services. This information may include:

“Commercial Information” about your subscriptions, interactions with our content, or other services from Biz Hedge, including engagement with our newsletter and premium offerings.

“Device Information” related to the device you use to interact with the Services, such as your device’s IP address, advertising IDs (resettable, random numbers, such as the device’s Apple IDFA or Android Advertising ID), its browser and operating system, its internet service provider, and its configuration.

“Internet Activity” related to your use of the Services, such as the pages you visit, the sites you use before or after visiting ours, your actions within the Services, the content or advertisements you interact with, general geolocation information, time stamps and performance logs and reports.

(c) Information we generate

We analyze data from your interactions with our content, such as the articles you read, the emails you open, and your engagement with our website. Using automated tools, we generate insights about your likely preferences and interests (“inferences”) to provide more relevant content and recommendations.

(2) How We Use Your Information

We use the categories of personal information described above to improve our content, personalize your experience, analyze engagement, and enhance our services. These activities may involve third-party (“service providers”), such as analytics platforms or marketing tools,

to help us optimize our newsletter and website. More details on this are provided in (Section 4).

(a)To provide our content, and services to you

Deliver the newsletter and content you subscribe to

Provide you with customer support and respond to your requests

Manage your subscription and any premium offerings

Communicate with you about updates, promotions and relevant business insights

(b)To manage your subscriptions or fulfill service requests

Manage your newsletter subscription and preferences

Process payments for any premium content or services you purchase

(c) To improve our services and develop new ones

Conduct surveys and gather feedback to enhance our content

Analyze reader engagement to improve the quality of our newsletter and website

Develop new content formats, premium offerings, and services based on audience interests

(d) To allow personalized recommendations and collaborate with partners

Administer giveaways, promotions, or exclusive offers

Work with third-party partners to provide relevant content and business insights

Analyze engagement to measure the effectiveness of our marketing campaigns

Share updates about products, services, or opportunities that may interest you

(e) To prevent, detect, and address misuse or unauthorized activities

Identify and address any suspected violations of our Terms of Service

Retain data related to violations to prevent future issues

Enforce our rights, as outlined in our Terms, to maintain a safe and secure experience for all users

(f)To generate insights from aggregate and deidentified data

Aggregate or deidentify information so that it can no longer be linked to you, in compliance with applicable laws

Use deidentified data to better understand our audience, measure content engagement, or analyze the performance of our campaigns and surveys

(g) To ensure legal compliance

Address copyrights or intellectual property claims

Comply with relevant legal requirements and regulations

Cooperate with law enforcement when necessary, in accordance with law

(h) Purposes

We rely on the following purposes to collect and use your information as described in this Policy:

Commercial purposes: We may process your information to further both your interests and ours. This includes fulfilling any agreements made between us, as outlined in our Terms. For example, when you subscribe to our newsletter or purchase premium content, we use your information to process your subscription and deliver the requested content or services.

Business purposes: Most often, we process your information for operational reasons, in a manner that is reasonably necessary and proportionate (i.e., for business purposes under applicable laws). For example, we analyze user behavior to improve our content and services, recommend content we believe may interest you, and promote our offerings. Additionally, we process information to maintain a safe environment for our members, enforce our rights, cooperate with law enforcement if necessary, and protect ourselves in case of any legal actions.

Comply with applicable laws and regulations: We process your information when necessary to comply with relevant laws and regulations and to demonstrate our compliance. For instance, we retain data related to subscriptions and transactions to meet accounting, tax, and other legal obligations, and to respond to legitimate requests from law enforcement when required.

Consent: From time to time, we may ask for your consent to collect specific information, such as your geolocation or to use your contact details for certain purposes, like sending marketing communications. You can withdraw your consent at any time by updating your settings (such as browser or device settings) or following the instructions provided in any communication we send, like clicking ‘unsubscribe’ in our emails. If you wish to withdraw your consent or have any concerns, feel free to contact us at privacy@bizhedge.com.

2. Our Disclosures Of Information To Others

Since our goal is to help you discover valuable content and services, the primary reason we share your information is to enhance your experience and present relevant content.

This section explains how and why we may share personal information with service providers and third parties. It also covers data exchanges for specific purposes, such as advertising, legal compliance, and consent-based direct marketing. Additionally, we may disclose deidentified and/or anonymized data for these purposes.

(a) With affiliates

Our corporate affiliates may access your information for the purposes outlined in this policy, always in compliance with the terms of this policy.

(b) With service providers

To operate and enhance our services, we contract with service providers for specific functionalities, including payment processing, email management, hosting, software development, data analysis, and administering promotions.

We may share certain information with these providers, such as Personal Identifiers, Commercial Information, Internet Activity, and Device Information, to enable them to perform their services. These providers are strictly prohibited from using your information for any other purpose.

In the past twelve (12) months, we’ve shared these types of information with the following types of service providers:

Analytics providers (e.g., Google Analytics) to track how the services are performing, such as which content engages readers and how long they interact. Google Analytics may receive your IP address. You can learn more about how Google Analytics uses data and how to opt out.

Hosting and infrastructure services (e.g., Beehiiv, Hostinger) to maintain the performance and security of our website, including ensuring traffic is legitimate and not from automated bots. They may receive your IP address.

Payment processors (e.g., Stripe) to process payments for premium content and services. For more details on how Stripe handles your payment information, you can visit Stripe’s Privacy Policy. Payment providers receive information related to your order to match payments with orders, but we don’t receive all details, such as your full payment account number.

We may also allow service providers to use aggregated or deidentified data for other purposes, in accordance with applicable laws.

(c) For personalized recommendations and marketing

We share information with advertising partners to make the content and promotions you see on our services more relevant. Additionally, we use advertising vendors to market Biz Hedge through targeted ads.

For example, we use Google to serve ads across our services and may also promote Biz Hedge on third-party platforms via Google. Google uses cookies or unique device identifiers, combined with their own data, to show you ads based on your interaction with bizhedge.com and other sites. You can opt out of Google’s use of cookies by visiting the related Google privacy policy.

We aim to limit how our third-party advertising vendors use the information they collect. Most providers require contracts that allow them to optimize their ad services and products. They may combine any data gathered from our services with data from their other clients to serve you targeted ads on behalf of multiple clients, not just us.

In the past twelve months, we’ve shared the following categories of personal information with third parties for personalized advertising:

Device Information

Commercial Information

Internet Activity

Geolocation

(d) For legal reasons

We may disclose personal information in the following circumstances:

In response to subpoenas, court orders, or other legal processes; to assert or exercise our legal rights; to defend against legal claims; or as otherwise required by law. We reserve the right to assert or waive any legal objection or right available to us.

When we believe it is necessary to investigate, prevent, or take action regarding illegal or suspected illegal activities; to protect and defend the rights, property, or safety of Biz Hedge, our users, or others; and in connection with enforcing our Terms and other agreements.

In connection with a corporate transaction, such as a merger, divestiture, consolidation, asset sale, or in the unlikely event of bankruptcy.

(e) With your consent or at your request

we may ask for your consent to share your information with third parties.

Whenever we seek your consent, we will clearly outline the purpose and scope of the disclosure. For instance, we may offer you discounts if you consent to join our mailing list or participate in a promotion involving direct marketing communications.

In these cases, the services will include a checkbox near the email-entry field, informing you that by submitting your information, you agree to share your email with the relevant content provider.

To clarify, we only share your information for direct marketing purposes if you opt in, and we will only continue to do so until you choose to opt out.

3. How Long We Retain Your Information

We retain your information only as long as we need it for the purposes described under How we use information, except when longer retention is required by our compliance policies and efforts toward applicable legal, tax, accounting and regulatory requirements.

How long we need information for those purposes varies by category, and even within categories. These retention determinations always consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from its unauthorized use or disclosure, whether we can achieve those purposes without using the personal information.

For example, we delete some Internet Activity at some soon as you exit the Services, whereas we may retain records of your orders for services and products for several years as required by law or contract, such as agreements with our payment processors or under our accounting standards.

4. Your Rights

(a) In General we want you to have control over your information. Below are the options and tools available to you regarding your data:

Content Opt-Outs: You may opt out of any newsletters or promotional communications from us by following the unsubscribe instructions in the emails you receive. Additionally, you can opt out through our Opt-Out Request Form. Please note that even if you unsubscribe from newsletters or promotional content, we may still send you essential communications regarding the Services, such as administrative updates, transaction reports, and notifications about changes to the Services, this Policy, or our Terms.

Exercising Rights

Personalized Ads: For information about targeted advertising and how to opt out on your specific browser and device, you can visit the DAA Webchoices Browser Check and NAI Opt-Out of Interest-Based Advertising. Additionally, you can download the AppChoices app to opt out of personalized ads in mobile apps.

(b) Rights under GDPR

This section applies to you only if you reside in a jurisdiction where the General Data Protection Regulation (GDPR) applies.

Lawful Bases for Processing Your Data

At Biz Hedge, we only collect, use, or share your personal information when we have a valid reason, known as a “lawful basis.” The lawful bases for processing your data may include:

Your Consent: We collect and use your information when you provide consent, typically at the point of collection (e.g., subscribing to our newsletter).

Performance of a Contract: We may use your data when it’s necessary for the performance of a contract, such as delivering our newsletter or providing any services you’ve requested.

Compliance with Legal Obligations: We may process your data to comply with legal obligations to which Biz Hedge is subject, such as record-keeping or regulatory requirements.

Legitimate Interests: We may process your data based on the legitimate interests of Biz Hedge or third parties, such as improving our services, conducting market research, or communicating with you about relevant business topics.

We have a legitimate interest in gathering and processing personal data, for example: (1) to ensuring networks and information security; (2) for business administration; (3) to prevent fraud; and (4) to conduct our marketing activities.

For GDPR purposes, the data controller is Biz Hedge, Ltd. 52 Clare Gardens, Barking, London.

ii. GDPR rights

Depending on your jurisdiction’s enactment of GDPR, you may have these rights:

Request Access: You have the right to request access to the personal data we hold about you, commonly known as a “data subject access request.” This allows you to receive a copy of your personal data.

Request Correction: You can request that we correct any incomplete or inaccurate personal data we hold about you. Please note that we may need to verify the accuracy of the new data you provide to us before making corrections.

Request erasure. This enables you to ask us to delete or remove personal data where there is no good reason for us to continue to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised objected to processing (see below), where we may have processed your personal data unlawfully, or where we are required to erase your personal data to comply with local law. We may not always be able to comply with your request of erasure for specific legal reasons. If so, we will notify you at the time of your request.

Object to processing where we are relying on a legitimate interest (or those of a third party) and you object to particular processing due to a perceived impact on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information that override your rights and freedoms.

Request restriction of processing during the following scenarios: (a) if you want us to establish the data’s accuracy; (b) where our use of the data is unlawful, but you do not want us to erase it; (c) where you need us to hold the data even if we no longer require it as you need it to establish, exercise, or defend legal claims; or (d) you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it.

Request the transfer of your personal data to you or a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. This right only applies to automated information that you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. If you withdraw your consent, we might not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent. For clarity, withdrawal is not retroactive.

We do not charge for access to your personal data or to exercise any of the other rights. However, we may refuse to comply with your request or charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive.

(c)Canadian users

This subsection applies to you only if you reside in Canada. To exercise these rights, please contact us via email at privacy@bizhedge.com.

Canadian residents have the right to request access to your Personal Information and request the correction of your Personal Information, subject to limited exceptions set out in applicable laws.

You may also withdraw your consent to the collection, use and disclosure of Personal Information at any time, subject to legal or contractual restrictions. Withdrawal of your consent may affect our ability to continue to provide you with the  certain Services that you have or would like to receive because the continued use and disclosure of your Personal Information is a necessary part of making the product or service available to you.

(d) International Data Transfers

If you reside outside the United Kingdom, we transfer information about you for processing in the UK. By providing your information to us, you consent to the processing of your information in the UK. This transfer is necessary for the performance of our contract to provide you with our services.

When we transfer personal data subject to GDPR outside of Biz Hedge, we use standard contractual clauses (SCCs)approved by the EU and UK, or another appropriate transfer mechanism, to ensure your data remains protected.

Please note that the data protection laws in some countries may not be equivalent to those in the UK or the EU. As of the Last Updated date above, certain jurisdictions have not been deemed “adequate” under GDPR or UK data protection laws. However, we take appropriate measures to safeguard your personal data when transferring it internationally.

(e) Rights under California law

This subsection applies to you only if you reside in California or another U.S. state where applicable law provides for some or all of these rights, including any analogous rights. Except as noted in this subsection, we extend these California rights to residents of those other U.S. states regardless of whether applicable law in those states includes all of these rights.

Rights under CCPA

The California Consumer Privacy Act (“CCPA”) provides California consumers with additional rights regarding their personal information (as defined in CCPA).

The categories of personal information we collect depend on how you use the Services. They’re generally described in Information We Collect. See Purposes for a general description of the reasons we collect information. For clarity, we have collected personal information for these CCPA categories of business and commercial purposes in the last twelve months:

Advertising and Marketing

Error Management

Internal Research

Provide Products or Services

Quality Assurance

Security

Short-Term Transient Use

We also “share” and “sell” (as defined in the CCPA) personal information for commercial purposes, including to advertise and market our products.

The categories of third parties to whom we disclose and sell or share personal information are under for personalized ads and with your consent or at your request above. The disclosures under Purposes describe with business purpose or commercial purpose for those disclosures of information.

Under CCPA, California consumers have the following rights:

A. Rights to Know, Access, Correct and Delete.

You have the right to request that we disclose, correct and delete personal information about you that we have collected. Your right to know includes the personal information we have sold or shared or disclosed for a business purpose or a commercial purpose.

Finally, we may deny deletion requests, in whole or in part, with respect to information we reasonably need to:

comply with legal obligations;

allow you, other consumers, or us to exercise free-speech rights or other legal rights;

complete an obligation that you have requested (for instance, if a product you purchased carries a warranty or could reasonably be subject to recall under applicable law); or

if we use the information only for internal purposes reasonably aligned with consumer expectations.

B. Rights to Limit and Opt-Out of Sharing/Sale

You also have the right to direct us (1) not to share or sell your personal information and (2) limit our disclosure and use of your sensitive personal information to purposes necessary to provide the Services to you.

To opt out of the sharing of your information, please contact us directly at privacy@bizhedge.com. Please note that your opt-out request will be applied based on the device and browser you use at the time of the request and will remain in effect unless you clear your cookies or local storage.

We do not currently offer a mechanism to exercise the right to limit our disclosure of sensitive personal information, as we only use such information for the purposes you have consented to.

As of the Last Updated date, we have no knowledge of any use of personal information we collect from individuals under the age of 16 for ‘sale’ or ‘sharing’ purposes.

C. Right of No Retaliation

We do not discriminate against you for exercising your rights under the CCPA. However, if you previously opted into a financial incentive that involved certain personal information and later request to restrict our use of that information, we may no longer be able to provide the incentive.

For example, if we offer a discount code in exchange for consenting to receive marketing emails, and you later request the deletion of your email address, we may not be able to honor that discount code.

You do not need to take any action to exercise your right of no retaliation—we never retaliate against anyone for exercising their rights under this Policy or CCPA.

D. Preference signals

The Services are designed to automatically recognize and honor any global opt-out preference signal sent from a California IP address through browser or device settings, as long as the signal complies with CCPA’s requirements. Our goal is to ensure that the Services automatically respond to compliant signals by opting out California residents from any sharing or sale of their data in a seamless and frictionless manner.

If you believe the Services have collected or processed your information in a manner inconsistent with your opt-out preference signal, please contact us at privacy@bizhedge.com.

E. Request process for CCPA rights

To submit a CCPA request relating to the foregoing rights, please contact privacy@bizhedge.com with “California Privacy Rights Request” in the subject line. The process described under Requesting information generally applies to requests to exercise CCPA rights. However, in addition:

i. California resident’s authorized agent may submit CCPA rights request.

Requests submitted by an authorized agent will still require verification of the person who is the subject of the request in accordance with the process described below. We will also ask for proof that the person who is the subject of the request authorized an agent to submit a privacy request on their behalf.

An authorized agent that has power of attorney pursuant to California Probate Code section 4121 to 4130 must submit proof of statutory power of attorney, but consumer verification is not required.

We will acknowledge your request within 10 days, and our goal is to fulfill your request within 45 days. However, we may you that we will require up to 45 further days to fulfill your request, along with an explanation of why our response is delayed.

We provide responses in the manner we receive your request (i.e., with an email response to an email request).

ii. Other California law

Because we only give your information to third parties for direct marketing purposes with your consent, and always allow you to opt out of direct marketing communications after opting in, we believe we are not currently required to comply with California Civil Code Section 1798.83.

(f) Requesting information

i. Submitting requests

To exercise any of these rights, use Our Opt-Out Request Form or contact us at team@bizhedge.com. Your request must:

provide sufficient information to identify you and the law that applies to you, such as your name, e-mail address, home or work address, or other information we maintain.

not disclose any social security numbers, driver’s license numbers, third-party account numbers, credit or debit card numbers, or health information.

ii. Verifying requests

We verify requests by first confirming the source of the request and then by matching the information submitted to the information we maintain. If your request is unclear or we are unable to authenticate your identity, we will respond with direction on how to remedy the deficiencies, in accordance with law that applies to you.

If we cannot verify the identity of the individual making the request, we may deny it, in full or in part.

iii. Responses to requests

We will respond to your request as quickly as we can, taking into account the nature of your request and the volume of pending requests. We will always respond in accordance with any deadlines or requirements specified by the laws that apply to you.

At times, we may be unable to provide responsive personal information. For example:

If disclosure would create a substantial, articulable and unreasonable risk to the security of the information, customers’ account with us, or the security of our systems or networks.

we do not disclose account passwords or any other non-personal information that enables access to an account.

We reserve the right to retain an archive of any deleted information, to the extent permitted by law. We may also retain deidentified or aggregate data derived from information about you.

5. Security

Biz Hedge has implemented technical, administrative, and physical security measures to protect your information from unauthorized access, use, or disclosure. However, no data transmission over the Internet is 100% secure, so we cannot guarantee or warrant the security of any information you provide, and you do so at your own risk. We cannot promise that your information will remain absolutely secure in all circumstances, and we are not responsible for the circumvention of any privacy settings or security measures we may provide.

6. Use by Minors

The Services are intended for adult users. We do not knowingly collect information from anyone under the age of majority in their jurisdiction (for example, 18 in the USA), and we do not share or sell information about anyone under 16 without affirmative authorization. If we learn that we have collected information from a child under the age of 16, we will delete that information as quickly as possible.

If you are under 16, please discontinue using the Services. If you have already provided us with information, please contact us so that we can delete it. If you are a parent or guardian of a child under 16 years of age and you believe your child has provided us with information, please contact us immediately.

7. Third Party Services

Some areas of the Services contain links to third-party websites, resources, and advertisers. These third parties are not part of the Services, and we do not control (and are not responsible for) third-party content or privacy practices. Information you provide to them is not covered by this Policy. These third parties have their own policies and practices regarding data, including what information they share with us, your rights and choices on their services and devices, and where they store information. We encourage you to familiarize yourself with their privacy policies and terms of use.

8. Contact us

If you have any questions or feedback about this Policy, email us at privacy@bizhedge.com or write to us at:

Biz Hedge, Ltd.

52 Clare Gardens, Barking

London, United Kingdom.