Privacy Policy

eSagePrime Company (“ESPC”, “we”, “us” or “our”, as appropriate for the context) provides consumer research and financial information through its several websites and blogs (,, and others).  None of our websites, blogs or other informational materials, or the content contained or published therein (“websites”), provide (or are intended to provide) individual investment advice to our subscribers, members or other users who access our sites.  We conduct research on consumer matters and provide educational information to enhance the user’s experience. Our subscribers and members (collectively referred to for purposes of breadth and convenience as “subscribers”, “you” or “your”, as appropriate for the context) are our most important asset. We are honored that you have chosen us as a source of financial and consumer information, and we are committed to safeguarding the privacy information we obtain from you. Establishing and adhering to an effective Privacy Policy is an important part of that dedication. We would appreciate your careful review this Privacy Policy so that you have a complete understand of how we may use your private information.

A commitment to your privacy:

ESPC will protect the personal information provided by its subscribers that is under our control, including any subscriber personal information we entrust to third party service providers.  As a subscriber to our website(s), you will receive the privacy protections stated in this Privacy Policy, even though your subscription may not be considered a “consumer account”.

Categories of personal information we collect and hold:

The nature of the personal information you voluntarily provide and we collect and hold about you may include:

  • Information we receive from you on applications or other such forms, such as name, gender, date of birth, address, telephone number, e-mail address, occupation;
  • General categories of assets, income, net worth and other pertinent financial information
  • Information we receive from you on a volunteer basis when we are conducting a survey of your priorities, concerns, preferences, needs or interests;
  • Information about your subscription(s) and/or membership(s) with ESPC, such as the accounts numbers, account balances, payment history and account activity;
  • Reports we receive from credit bureaus (but only when needed for collection purposes); and
  • Information we receive from strategic partners with whom we may have joint efforts.

By using our websites, you grant us permission to use the information we collect about you. You are under no obligation to provide us any personal information, and any information you provide is strictly on a voluntary basis. When a transaction is required, we will make our best efforts to protect any credit card or other payment information you submit. We reserve the right to destroy any information that is no longer needed.

Purposes of collecting your information:

ESPC may use the information we collect for the following purposes:

  1. To help you and us to make decisions about your subscriptions and/or memberships with us;
  2. To assist us in responding to your inquiries about your subscriptions or other services;
  3. To meet legal, security, processing and regulatory requirements when required by applicable laws, rules or regulations;
  4. To better understand your needs and to offer products and services to meet those needs;
  5. To allow our affiliates and selected companies to promote their products and services to you ;
  6. To provide offers from vendors who meet our value criteria; and
  7. Such other purposes as we disclose in this Privacy Policy or that we identified to you from time to time or as permitted by law.

You may refuse or withdrawal your consent to numbers 5 and 6 above, as explained in this Privacy Policy. We may also use or disclose personal information for other purposes with your consent, or as otherwise permitted or required by law (see consent section on back).

Affiliates and third parties with whom we may share information:

From time to time we may disclose personal information to select companies or organizations to allow them to directly offer you goods and services that may be of interest to you. However, we will not sell your information to these companies without your written permission.  Additionally, unless you direct us otherwise in writing, we may disclose your personal information to our affiliates.  Information shared with affiliates or others may include lists of subscribers who meet certain general criteria.  This information may include a subscriber’s name, address, category of income/net worth, gender, preferences, needs or interests.  A subscriber who prefers that we not share his/her personal information with our affiliates or other third parties may “opt out” by sending a written request via contact us form.  Please allow reasonable time for the withdrawal of your information from any lists that we regularly provide to our affiliates and third parties.

When you use our information and choose to investigate an offer by one of our affiliates or partners, you will be subject to any privacy policy and/or other terms of use followed by those parties.  Our Privacy Policy does not extend to such entities once you leave our websites and/or blogs.

E-mail and texting:

We use an e-mail and/or texting system as communication channel(s) to send information regarding our products and services. When we send you alerts via email and/or text message, it is only with your permission (by not opting out) to allow us to use these communication methods. We allow any person on our list to choose to discontinue receipt of e-mail and/or text messages from us at any time. In accordance with CAN-SPAM legislation, it is our policy to include instructions and means for removal from our database at any time in an automated fashion.  We generally provide instructions for removal at the bottom of every email sent from us, with the exception of paid Premium subscriptions and/or Premium memberships, which require subscribers to cancel their membership in order to discontinue receiving email or text alerts.  At the bottom of each email communication we include detailed instructions for removal from our email lists, including texting if and when we use texts as a method of communication.  You may opt out of these communications bysending a written request via contact us form, and we may elect to provide a customized URL that allows recipients to access a website that enables them to manage their communications subscriptions, including canceling all e-mail and/or texting subscriptions or selecting to receive no further messages from us.

Internet and computer information we collect

Our websites gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet Service provider (ISP), referring exit pages, operating system, date time stamp, and click stream data. We use this information to analyze trends, to administer the site, to track subscribers’ navigation through our website(s), and to gather demographic information about our subscriber base.


We may use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.  You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies you may still use our site, but you will be asked you to enter your user name and password again every time you closed your browser or your session has timed out. Some of our business partners (such as advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by ESPC only and does not cover the use of cookies by any of our advertisers.


Depending on the nature of your personal information, your consent to the collection, use or disclosure of such information can be implied (such as by not responding to our offer to remove your personal information from our marketing lists) in which case we may assume that you consent.  You may withdraw your consent at any time as long as you give reasonable notice of withdrawal per the instructions detailed in this Privacy Policy or our websites.

Opting Out for Premium Subscribers:

When you make a decision to subscribe to our Premium Membership and/or Portfolio Subscriptions, you have opted-in to allowing us to contact and alert you to changes in the benefits of these subscriptions. Upon cancellation of your Premium Membership and/or Premium Portfolio Subscriptions, we will cease to contact you with email and/or text alerts for changes with these services.

You may opt out from having your name and information shared by sending a written request via contact us form.


We reserve the right to make changes to our Privacy Policy as business conditions change and at any time. If any changes are made they will be included in our websites. We will not send you any notice of changes. It is your responsibility to check for such changes, if any, and to opt out if you choose.

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Jim Tso wants to “give back” and share his 35+ years of successful personal money management experience to help others to achieve their financial goals. Jim created this InvestBetterSpendSmarter blog (IBSS) to provide you with free investing, planning, savings, retirement, and inspirational tips derived from his unique, innovative, and proven approaches to money management. He welcomes and appreciates your feedback.

Jim would also appreciate it if you would kindly share our IBSS website and blogs with your family, friends, and business associates. Thank you!

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