LnL Publishing, LLC (“we,” “us,” or “our”) operates www.ireallytrade.com and the Larry Williams University product services (“LWU”). This policy explains what personal information we collect, why we collect it, how long we keep it, and what choices you have.
We do not sell your personal information. We do not use retargeting, cross-site tracking, or behavioral advertising.
1. Information we collect
We collect personal information only when you take one of the following actions.
When you join our email list
- Email address
- First and last name, if you provide it
When you purchase a product or service
- Name, email address, phone number, and billing address
- Payment card details, which are encrypted and transmitted directly to our payment processor at the time of the transaction. We do not store complete payment card numbers on our systems.
- Records of what you purchased and when
When you register for Larry Williams University
- Username and password
- Purchase and subscription history
- IP address and basic access records associated with your account
Automatically, when you visit the site
Our web server keeps standard access logs recording IP address, browser type, operating system, referring page, and the date and time of each request. We use a statistics package to turn these into aggregate reports about site traffic — how many visitors, which pages, which browsers. We use these reports to understand how the site is being used and to troubleshoot problems. We do not use them to build profiles of individual visitors or to track you across other sites.
You can browse most of the site without providing any personal information. Where we ask for information, we indicate what is required. If you decline to provide required information, you may not be able to complete that activity.
2. Why we use your information
| Purpose | Basis |
|---|---|
| Deliver the products and subscription services you purchased | Performance of our contract with you |
| Process payments and maintain billing records | Performance of contract; legal obligation |
| Verify past purchases and course enrollments when you ask us to | Performance of contract; our legitimate interest in serving long-standing customers |
| Respond to your support and sales inquiries | Performance of contract; our legitimate interest in supporting customers |
| Authenticate you and control access to LWU | Performance of contract |
| Send marketing emails, offers, and newsletters | Your consent, which you may withdraw at any time |
| Notify you of material changes to the services or our terms | Performance of contract; legal obligation |
| Detect and prevent fraud and unauthorized transactions | Our legitimate interest in protecting the business and our customers |
| Diagnose technical problems and improve the site | Our legitimate interest in operating a functional service |
| Comply with tax, accounting, and other legal requirements | Legal obligation |
3. Cookies and similar technologies
We use cookies for two purposes:
Authentication and access control. Cookies keep you signed in and determine which LWU materials your subscription entitles you to access. The service will not function without these.
Server logs. Our web servers record standard technical information about requests, as described in Section 1.
We do not use cookies for advertising, retargeting, behavioral profiling, or tracking you across other websites.
You can block or delete cookies through your browser settings. If you block our authentication cookies, you will not be able to sign in to LWU.
4. How long we keep your information
Purchases, course enrollments, nondisclosure agreements: indefinitely. We have been publishing and teaching for a long time, and customers regularly contact us years or even decades after with questions. We cannot answer those requests without the records, so we keep them. This includes archived copies of older databases.
Everything else: only as long as we need it. Email list data is kept until you unsubscribe, after which we retain only enough information to keep honoring your opt-out. Support correspondence is kept while it remains useful for resolving your issues. Server logs and site statistics are kept on our hosting provider’s normal rotation schedule.
Payment card numbers: not retained. These are transmitted to our payment processor at the time of the transaction and are not stored on our systems.
If you would like us to delete information we hold about you, see Section 6.
5. When we share information
We do not sell, rent, or trade your personal information. We do not share your information with other customers, and we do not provide it to unaffiliated companies for their own marketing.
We share information in these limited circumstances:
Service providers. We use outside vendors to operate the business — payment processing, email delivery, web hosting, and the LWU platform. They receive only the information needed to perform their function and are expected to protect it and not use it for their own purposes.
Trading platform and brokerage partners. Several of our products are licensed to run inside third-party trading platforms and brokerage software. In every case these are customers of both companies: you already hold an account with the platform, and you have licensed a product from us that runs there. Your license is tied to that platform account, so when you buy one of those products some of your data must be shared with these platforms for functionality. We share it with them to confirm the account is active, and — where our product is built into their software — so they can activate the product license on our behalf. With some partners this happens through their programming interface, which exchanges only what is needed to identify your account and confirm your license.
We share the minimum needed for this: your account identifiers and confirmation that you hold a license to the product. We do not send them your payment information or your purchase history with us beyond the product being licensed. Our license terms, and our partners’ terms, do not permit accounts to be shared, and binding the license to a verified account is how that is enforced.
These platforms are independent companies, not our service providers. What they do with your information is governed by their own privacy policies and, if they are regulated financial firms, by the rules that apply to them. We do not authorize them to market to you on the basis of information we provide.
Legal process. We may disclose information in response to a subpoena, court order, or other valid legal demand, or where required by law.
Protection of rights. We may disclose information where we reasonably believe it is necessary to investigate or prevent fraud or unauthorized transactions, or to establish, exercise, or defend legal claims.
Business transfer. If all or part of our business is sold, merged, or transferred, customer information may transfer with it. We will notify you if this occurs and your information becomes subject to a materially different privacy policy.
6. Your choices and rights
Marketing emails. Every marketing email includes an unsubscribe link. You can also email us at the address below. Unsubscribing does not stop transactional messages about your purchases or account.
Access and correction. You can view and update most of your information by signing in to your LWU account. For anything not available there, contact us and we will tell you what we hold about you.
Deletion. You may ask us to delete your personal information and we will do so, with two exceptions. We keep transaction and enrollment records as described in Section 4, because deleting them would leave us unable to verify your purchases if you contact us later. And we keep your email address on our unsubscribe list so we can continue honoring your opt-out. If you want your purchase records deleted anyway, tell us and we will do it — just understand that we will not be able to confirm your past enrollments afterward.
Cookies. See Section 3.
To exercise any of these, email customerservice@ireallytrade.com. We will respond within 30 days. We may need to verify your identity before acting on a request, which protects you against someone else making a request in your name.
Depending on where you live, your state may give you additional rights, including the right to know what categories of personal information we collect, to obtain a copy, to request deletion or correction, and to be free from discrimination for exercising those rights. We extend the rights described in this section to all our customers regardless of location.
7. Security
Access to customer information is limited to the company’'s owner and agent. We maintain physical, electronic, and procedural safeguards designed to protect your information, and payment information is encrypted in transit.
No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please choose a strong, unique password for your LWU account and do not reuse it elsewhere.
8. Where your information is held
We are organized in the United States Virgin Islands, an unincorporated territory of the United States. Our systems and service providers are located in the United States and its territories. If you access our site or purchase from outside the United States, your information will be transferred to and processed in the United States, where privacy laws may differ from those in your country.
We do not market or direct our services to individuals in the European Economic Area or the United Kingdom. Occasional purchases by individuals located outside the United States are handled the same way as domestic purchases.
9. Changes to this policy
We may update this policy from time to time. When we do, we will change the "Last updated" date at the top, and we encourage you to check it occasionally. If we make a significant change to how we handle your information, we will make reasonable efforts to notify account holders by email or through the site. Continued use of the site or services after an update means you accept the revised policy.
10. Contact us
LnL Publishing, LLC
Email: customerservice@ireallytrade.com
PO Box 24150, Christiansted, VI 00820
340-718-1265
If you have a question or concern about how we handle your information, contact us first — we would rather resolve it directly.