Last update 15 June 2023

FundKernel does not and will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. The process of maintaining a website is an evolving one, and this policy will be assessed on an ongoing basis against new technologies, business practices, and our customers & prime needs. We reserve the right to change, modify, or amend this policy at any time. FundKernel has designed and runs this Website to comply with Hong Kong based data protection rights laws. If you are unsure whether this privacy statement is in conflict with applicable local rules, you should not submit your information. If you are located within the European Union, you should note that your information may be transferred to the United States and Hong Kong SAR China which are deemed by the European Union to have inadequate data protection. In accordance with local laws implementing European Union Directive 95/46/EC of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (“EU Privacy Directive”), customers located in countries outside of the United States of America and Hong Kong SAR China who submit personal information do thereby consent to the general use of such information as provided in this Privacy Statement and to its transfer to and/or storage in the United States of America and Hong Kong SAR China. FundKernel’s goal is to provide you with the information and products and services that are most relevant to you. To achieve this goal, we collect two types of information from you when you visit our website: personally identifiable information you voluntarily choose to disclose and “aggregate information” about your use of our web site that is automatically collected when you visit our website.

Personal Information You Choose to Provide

Personally identifiable information refers to information that tells us specifically who you are. We collect personal information from you when you voluntarily choose to provide it. In this connection, you may be asked to provide information such as your name, mailing and current email address, credit card information, and user name and password. You also may provide additional personal information at your option, such as your marital status, household income, net worth, credit score, education, and employment status. We may ask you to confirm your personal information when you contact our Customer Service department. This will allow us to protect your confidentiality by verifying your identity. Further, if you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.

How We Use Your Personal Information

When and With Whom We Share Your Personal Information

We do not sell or rent your personal information to any third parties. We will share personal customer information only with our agents, representatives, service providers, and contractors for limited purposes, including without limitation providing our customers with services; offering certain products and services in connection with this Website; communicating to customers; providing customer service; enhancing and improving customers’ Website experience; enabling access to our partners’ web sites; providing a personalized experience; preventing fraud; and completing payment method processing.

Aside from the purposes described above, we will not share your personal information with any other third parties unless we have your express permission or under special circumstances, such as when we believe in good faith that the disclosure is required to prevent harm or injury (such as product recalls, fraud, claims or other liability) or to comply with valid legal processes (subpoenas, warrants) or as required by law. We also may disclose your personal information in order to investigate network abuse or a violation of any of our Terms and Conditions of Use or other published guidelines, or if you engage in (or are reasonably suspected of engaging in) any illegal activities. We reserve the right to report any suspected illegal activity to law enforcement for investigation or prosecution. We also reserve the right to disclose your information to other parties in the context of a business transaction or contemplated business transaction involving a merger, consolidation, change in management, acquisition by another company, sale of company stock or assets, or similar event. We may share aggregated demographic and statistical information with our partners. This is not linked to any personal information that can identify any individual person.

Aggregate Information

Aggregate information refers to information your computer automatically provides to us and that is not tied back to you as a specific individual. Examples include referral data (the web sites you visited just before and just after our site), the pages viewed, time spent at our Website, and IP (Internet Protocol) addresses. An IP address is a number that is automatically assigned to your computer whenever you surf the Internet. When you request a page from our Website, our servers log your IP address to create aggregate reports on user demographics and traffic patterns for advertisers and partners, and for purposes of system administration. We use this aggregated information to determine consumer trends and needs, which allows both FundKernel and our partners to advertise more effectively, and allows you to receive advertisements that are less duplicative and more relevant to your interests.

Log Files

FundKernel uses IP addresses to analyze trends, administer the site, track users’ movements, and gather broad demographic information for aggregate use. We do not link your IP address to other personally identifiable information about you.


Our Website may use a feature of your browser to set a “cookie” on your computer. Cookies are small packets of information that a web site’s computer stores on your computer. FundKernel’s Website can then read the cookies whenever you visit our site. We may use cookies in a number of ways, such as to save your password so you don’t have to re-enter it each time you visit our site, to deliver content specific to your interests, to track the pages you’ve visited and to make sure you don’t see the same ads repeatedly. These cookies allow us to use the information we collect to customize your FundKernel experience so that your visit to our Website is as relevant and as valuable to you as possible.

Most browser software can be set up to deal with cookies. You may modify your browser preference to provide you with choices relating to cookies. You have the choice to accept all cookies, to be notified when a cookie is set or to reject all cookies. If you choose to reject cookies, certain of the functions and conveniences of our Website may not work properly, and you may be unable to use those FundKernel services that require registration in order to participate, or you will have to re-register each time you visit our site. Most browsers offer instructions on how to reset the browser to reject cookies in the “Help” section of the toolbar. We do not link non-personal information from cookies to personally identifiable information without your permission.

Web Beacons

FundKernel also may use web beacons to collect non-personal information about your use of our web site and the web sites of selected sponsors and advertisers, and your use of special promotions or newsletters. The information collected by web beacons allows us to statistically monitor how many people are using our Website and selected sponsors’ and advertisers’ sites; how many people open our emails; and for what purposes these actions are being taken. Our web beacons are not used to track your activity outside of our Website or those of our sponsors. FundKernel does not link non-personal information from web beacons to personally identifiable information without your permission.

Information Collected In Ad Delivery

We may use a third-party advertising company to serve ads to you when you visit our Website. This company may use information (not including your name, address, email address or telephone number) about your visit to our site in order to provide advertisements about goods and services that may be of interest to you. In the course of serving advertisements to this site, our third-party advertiser may place or recognize a unique “cookie” on your browser.

Notice of New Services And Changes

Occasionally, we also may use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. If you would not like to receive these notifications, you can unsubscribe from receiving these notices by emailing The Subject line of the email should state UNSUBSCRIBE.

Links to Other Web Sites

FundKernel’s Website contains links to advertiser and partner websites. We cannot be responsible for the privacy practices or the content of these third-party web sites, and we do not control the practices of any of our advertisers or partners to whom we are linked. Please note that we provide these links to you only as a convenience, and our inclusion of any link does not imply that FundKernel endorses the site. Please read over the rules and policies of these linked sites before proceeding. If you have additional questions about how one of our advertisers, partners, or sponsors use information about you, we urge you to contact them directly.

Notification of Changes

If we decide to change our privacy policy, we will post those changes on our site so you will always be aware of our latest policy. It is your obligation to periodically check our site for our most up-to-date privacy policy. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of email. Users will be given an opportunity to choose to not let us use their information in this different manner.


Our website takes reasonable precautions to protect our users’ information by utilizing advanced security measures designed to maintain data security and integrity. When you submit sensitive information, including financial information, via the web site, your information is protected both online and off-line. However, no system is 100% secure, and you should use caution whenever submitting important information over the Internet, whether to our web site or to any other.

Contact Us

If you have any questions about our privacy policy or web site, or wish to modify or delete any personally identifiable information that you have provided to us, please send an email to

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