Privacy Policy

Last updated: 02/14/2021
Next Generation Stocks (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.  This policy describes the types of personal information we may collect from you or that you may provide when you visit the website https://www.nextgenerationstocks.com(our “Website”) and/or our mobile, tablet, and/or desktop applications (“Apps”),and our practices for collecting, using, maintaining, protecting, and disclosing such personal information.

Please read this policy carefully to understand our policies and practices regarding your personal information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website and the Apps. This policy may change from time to time, so please check the policy periodically for updates.

Defining Personal  Information

Information that identifies, relates to, describes,references, is reasonably capable of being associated with, or could reasonablybe linked, directly or indirectly, with you, your household, or your device canbe your personal information.Information does not qualify as personal information if:
  • It is publicly available information from government records.
  • It is deidentified or aggregated consumer information.

Scope Of This Policy

The policy applies to personal information we collect:
  • On our Website and/or our Apps;
  • In email, text, and other electronic messages between you and Us; and
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
This policy does not apply to information collected by a third party that may link or be accessible from the Website or our App.

We may compile aggregate, anonymous, or de-identified data from various sources, including, but not limited to, accounts and transactions. This data, which we may use for our business purposes consistent with applicable law, does not identify an individual and is not personal information.

The Website and App Are Not Intended For Children Under 16 Years Old

Our Website and App are not intended for children under 16 years of age. No one under age 16 may provide any personal information to our Website or Apps. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website or Apps, make any purchases through the Website or Apps, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at help@nextgenerationstocks.com .

Information We Collect

We may collect several types of information from or about you. This section describes the categories of personal information that may be collected.
Category
Examples
Identifiers
name, alias, social security number, government-issuedidentification numbers, including alien registration numbers, driver’s licensenumber, passport number, date of birth, postal address, home phone number,mobile telephone number, email address, Internet Protocol (IP) address,electronic device identifier, device type, browser type, platform type, cookies,pixels, and beacons, signature
Financial Information
Financial account number, credit card number, debit card number, account balance, trading activity, transactions, equity compensation, loan number, loan amount, 529 plan account number, account history, income, debt, assets, revenue, credit history, credit score, investment experience, risk tolerance, and information about your personal investment goals or objectives
Protected Class Information
Age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Commercial Information
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies; customer’s billing history.
Internet or Other Similar Network Activity
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
Geolocation Data
Device location
Education Information
Education records such as enrollment status, class lists.
Inferences Drawn From Other Personal Information
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Source of Personal Information We Collect

This section describes where we get your personal information.
Sources of Personal Information
Categories of Personal Information Collected through Such Source
You
We may collect personal information form you or on your behalf when filling out applications and forms, when you communicate with us (e.g. customer support, provide feedback, participate in a contest or other promotion).
  • Identifiers
  • Financial Information
  • Protected Class Information
Your Activity
We may collect personal information through your activity such as when you make transactions through or with us and when you visit the Website or App, and how you interact with the Website or App.
  • Identifiers
  • Financial Information
  • Internet or Similar Network Activity
  • Geolocation Data
Automatic Data Collection Technology
We may collect personal information using automatic data collection technologies, which may include the following: cookies (or Browser Cookies), flash cookies, or web beacons.

  • Identifiers
  • Commercial Information
  • Internet or Similar Network Activity
Third Parties
We may collect personal information from service providers, business partners, government agencies, regulators, securities, futures and commodity exchanges, and self-regulatory entities, and consumer reporting agencies.
  • Identifiers
  • Financial Information
  • Commercial Information
  • Protected Class Information
  • Internet or Similat Network Activity
  • Geolocation Data
  • Education Information
  • Inferences

Use of Personal Information

We may use ordisclose the personal information we collect for one or more of the collowing purposes ("Business Purposes")
  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
  • To verify your identity.
  • To provide, support, personalize and develop our website, app, products and services.
  • To provide, support, personalize, and develop our relationship with you.
  • To create, maintain, customize, and secure youraccount with us.
  • To process your requests, purchases, transactions, and payments and prevent transactional fraud.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To personalize your Website and App experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required bylaw).
  • To help maintain the safety, security, and integrity of our Website, App, products and services, databases and other technology assets, and business.
  • For testing, research, analysis, and product development, including to develop and improve our Website, Apps, products, and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

Sharing Personal Information

We may share your personal information by disclosing it to a third party.  Your personal information may be shared to fulfill a Business Purpose. We may also share your personal information if you provide us with your consent for disclosure, or as otherwise permitted or required by law. Described below is how your personal information may be disclosed to third parties. We do not sell personal information.
Sources of Personal Information
Categories of Personal Information Collected through Such Source
Service ProvidersWe may share your personal information with service providers
- to help us perform our services (e.g. hosting the Website and Apps, provide functionality, and process payment) and
- to protect against security threats.
  • Identifiers
  • Financial Information
  • Commercial Information
  • Protected Class Information
  • Internet or Similar Network Activity
  • Geolocation Data
Data Analytics, Marketing and AdvertisingWe may share personal information to perform data analytics and market research for use
- in promoting the Website, App, products, and services.
- to help us improve our Website, App, products and services, and
- to help us develop new products, services, offerings, among other things.
  • Identifiers
  • Financial Information
  • Commercial Information
  • Protected Class Information
  • Internet or Similar Network Activity
  • Geolocation Data
  • Inferences
Government Entities, Self-Regulatory Entities, and Personal Service FirmsWe may share personal information
- as may be required by laws, rules, regulations, including self-regulatory bodies.
- to help us with our legal or regulatory compliance obligations
- to exercise our rights and defend against claims.

As requested by, or as necessary, pursuant to a valid legal, regulatory, or administrative process or order.
Consumer AgenciesWe may share personal information with consumer reporting agencies.
  • Identifiers
  • Financial Information

Your Rights and How to Exercise Your Rights

I - Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding thepersonal information you provide to us. We have created mechanisms to provideyou with the following control over your information:
  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
  • Promotional Offers from the Company. If you do not wish to have your email address/contact information used by the Company to promote our own or third parties' products or services, you can opt-out by sending an email to help@nextgenerationstocks.com that requests to opt-out.
We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.
II - Accessing and Correcting Your Information
You can review and change your personal information by logging into the Website or App and visiting your account profile page.

You may also send us an email at help@nextgenerationstocks.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
III - Additional Rights for California Residents
California residents have additional personal information rightsand choices. This section describes additional rights for California residents andexplains how residents exercise those rights.

Right to Know and Data Portability for California Resident

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the “right to know”). Once we receive your request and confirm your identity, we will disclose to you:
  • The categories of personal ionformation we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our Business Purpose for collecting that personal information about you.
  • The categories of third parties with whom we share that personal information.
  • the specific pieces of personal information that we collected about you. (also called a data portability request).
Right to Delete for California Resident
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions (the “right to delete”). Once we receive your request and confirm your identity, we will review your request to see if an exception allowing us to retain the information applies. We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code §1546 et. seq.).
  6. Comply with a legal obligation.
  7. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Your California Rights to Know or Delete
To exercise your rights to know or delete described above,please submit a request by either:
  • Calling us at 828-201-2750
  • Emailing us at help@nextgenerationstocks.com
  • Visiting us at www.nextgenerationstocks.com
You may only submit a request to know twice within a 12-month period. Your request to know or delete must:
  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include:
    - Verify your identity through account login information.
    - Verify your identity through other identifiers, in which case we may use a third-party provider to verify your information, which may include receiving a one-time password via text message. By submitting your mobile phone number for identity verification, you consent to receiving text messages for this purpose.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Limitations on Your California Rights to Know or Delete

Your rights are subject to various exclusions and exceptions under the law. Under certain circumstances, we may be unable to implement your request, pursuant to applicable law. We will advise you of any reason for denying or restricting a request to the extent permitted by law.

Changes to Our Privacy Policy

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated policy on the Website and App and update the "Last Updated" shown at the top of the policy date to reflect the date on which the Privacy Policy was updated and also serve as the policy's effective date. Your continued use of our Website and App following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, theways in which we collect and use your information described here, your choicesand rights regarding such use, or wish to exercise your rights under Californialaw, please do not hesitate to contact us at:
  • PHONE: 828-201-2750
  • EMAIL: help@nextgenerationstocks.com
  • WEBSITE: www.nextgenerationstocks.com
If you need to access this Policy in an alternative format due to having a disability, please contact help@nextgenerationstocks.com or 828-201-2750.