Disclaimer: on the appropriate use of the IRTI
The IRTI, like any such test, measures risk attitudes and behaviors, but does not measure an individual’s objective financial capacity to accept investment risk. The objective investment risk capacity of a client should be assessed by a qualified professional advisor using standard financial criteria. Furthermore, the IRTI provides no information as to the soundness of any particular investment strategy nor any individual equity, bond, fund or other investment opportunity, thus it should not be construed as providing investment advice.
Also, measurement of psychological traits is always subject to uncertainty, thus test results should be only one element in the assessment of an individual investor’s risk tolerance. The verbal descriptions of score categories or quintiles provided by the IRTI reflect characteristics of typical individuals in that group, but do not necessarily apply to all such individuals.
References to specific types of investments or strategies are for assessment purposes only and are not intended to and should not be relied upon as a recommendation to purchase or sell particular investments or engage in particular strategies.
Global Markets Media Limited (“Global Markets Media” or “We”), also trading as “Investor Metrics”, are committed to protecting and respecting your privacy.
For the purpose of the Data Protection Act 2018 (“the Act”), the data controller is Global Markets Media Limited (company number 04829223) of 96 High Street, Guildford, GU1 3HE.
Our nominated representative for the purpose of the Act is Matthew Clements.
2. INFORMATION WE MAY COLLECT FROM YOU
We may collect and process the following data about you:
Information that you provide by filling in forms on our sites, and which may be amended from time to time (“our sites“). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you report a problem with our site.
If you contact us, we may keep a record of that correspondence.
We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Details of transactions you carry out through our site and of the fulfilment of your orders.
Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access.
3. IP ADDRESSES
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.
For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on your browser or the hard drive of your computer. Cookies contain information that is transferred to your computer’s hard drive. They help us to improve our site and to deliver a better and more personalised service. Some of the cookies we use are essential for the site to operate. For detailed information on the cookies we use and the purposes for which we use them see our Cookies Policy for more information.
5. WHERE WE STORE YOUR PERSONAL DATA
All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
6. USES MADE OF THE INFORMATION
We use information held about you in the following ways:
To ensure that content from our site is presented in the most effective manner for you and for your computer. To administer our site or subscription services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes
To provide you with information, products or services that you request from us or which we believe may interest you based on the data you give us or your preferences, or where you have consented to be contacted for such purposes, such as a whitepaper or an invitation to an event.
To carry out our obligations arising from any contracts entered into between you and us.
To allow you to participate in interactive features of our service, when you choose to do so.
To notify you about changes to our service, your subscription or our contract with you.
We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post, email or telephone.
If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.
If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you using methods appropriate to the data you have submitted to us or the data we hold.
If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please contact Emma Scheck using the details set out in paragraph 10 below. Please note, if you request a whitepaper prepared by, or an invitation to an event, hosted by a third party, we will pass your details to that third party to fulfil your request.
7. HOW WE PROTECT YOUR DATA
We have put in place security procedures and technical and organisational measures to safeguard your personal information. Access to all internal data servers is limited to the specialist data protection personnel and is controlled via active directory authentication using defined policies to control password expiry and renewal.
8. DISCLOSURE OF YOUR INFORMATION
Other than the disclosures between Investor Metrics and Assessment Science Corp. that are necessary for production of the IRTI report and for any amendments or enhancements to the IRTI, any personal information will not be disclosed without your permission unless either Investor Metrics and/or Assessment Science Corp. are legally entitled or obliged to do so (for example, if required to do so by Court order or for the purposes of prevention of fraud or other crime). Your personal information will only be sold to a third party as part of a sale of the assets of a Global Media Markets Ltd or Assessment Science Corp. company.
We may disclose your personal information to any trading division of Global Markets Media. We may also disclose your personal information to third parties under the following circumstances:
Business partners, suppliers and sub-contractors for the performance of any contract we enter into with you including in relation to the supply of information or invitations to events;
Business partners and suppliers where you have agreed to this; in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
If Global Markets Media or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our rights, to view our terms and conditions of use and other agreements; or to protect the rights, property, or safety of Incisive Media, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
9. HOW LONG WE WILL KEEP YOUR DATA
We will retain your information for no longer than necessary, taking into account any legal obligations we have (e.g. to maintain records for tax purposes), any other legal basis we have for using your information (e.g. your consent, performance of a contract with you or our legitimate interests as a business) and certain additional factors described in the section below entitled “How long we retain your information”.
How long we retain your information
This section sets out how long we retain your information. We have set out specific retention periods where possible.
Order information: when you place an order for goods and services, we retain that information for seven years following the end of the financial year in which you placed your order, in accordance with our legal obligation to keep records for tax purposes. As a customer you will continue to receive updates about our goods and services from which you can unsubscribe at any time (see paragraph below “Updates”).
Correspondence and enquiries
When you make an enquiry or correspond with us for any reason, whether by email or via our contact form or by phone, we will retain your information for as long as it takes to respond to and resolve your enquiry, and for 36 further month(s), after which point we will archive your information. As a customer or prospective customer you will receive to receive updates about our goods and services from which you can unsubscribe at any time (see paragraph below “Updates”).
We retain the information you used to sign up for our updates about our goods and services for as long as you remain subscribed (i.e. you do not unsubscribe).
Criteria for determining retention periods
In any other circumstances, we will retain your information for no longer than necessary, taking into account the purpose(s) and use of your information both now and in the future (such as whether it is necessary to continue to store that information in order to continue to perform our obligations under a contract with you or to contact you in the future); whether we have any legal obligation to continue to process your information (such as any record-keeping obligations imposed by relevant law or regulation); whether we have any legal basis to continue to process your information (such as your consent); how valuable your information is (both now and in the future); any relevant agreed industry practices on how long information should be retained; the levels of risk, cost and liability involved with us continuing to hold the information; how hard it is to ensure that the information can be kept up to date and accurate; and any relevant surrounding circumstances (such as the nature and status of our relationship with you).
10. YOUR RIGHTS
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by ticking certain boxes on the forms we use at the time we collect your data or at any other time.
You also have the right to:
Request access to, deletion of or correction of, your personal data
Restrict or object to processing your personal data
Withdraw your consent where the processing was based on that consent, but note that this does not Affect any processing not based on your consent
Request we transfer your personal data to another person
Complain to our nominated representative in which case we will follow our internal complaints procedure
In each case described above, please contact please contact Emma Scheck using the details set out in paragraph 12 below. You can also complain to the Information Commissioner’s Office or other relevant supervisory authority.
11. EXTERNAL LINKS
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
12. ACCESS TO INFORMATION
You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact Matthew Clements either by email to firstname.lastname@example.org or by post to her at 96 High Street, Guildford, GU1 3HE.
We want to ensure that your personal information is accurate and up to date. If any of the information that you have provided to us changes, for example if you change your email address or name, please let us know the correct details by writing to Matthew Clements as above. You may ask us, or we may ask you, to correct information you or we think is inaccurate, and you may also ask us to remove information which is inaccurate.
14. HOW TO CONTACT US