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The Elements of Investing: Easy Lessons for Every Investor: Easy Lessons for Every Investor, Updated Edition - Burton G. Malkiel, Charles D Ellis
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Conditions of membership
Privacy Policy
Welcome to Storytel
By signing up for a Storytel account, you are entering into a legally binding agreement with Storytel. Before you enter the wonderful world of stories, please take a moment and read these Terms of Use carefully. These Terms of Use are important since they regulate the relationship between yourself and Storytel - and as such affect your legal rights and obligations.
STORYTEL TERMS OF USE
Storytel Sweden AB and its affiliates (hereinafter “Storytel”, “us”, “our” or “we”) offers a subscription service with personalized features and functionalities (the “Service”) that allows our users (hereinafter “you”) to access audiobooks, ebooks and other content (the “Content”) made available over the Internet via the Service to a compatible internet-accessible device.
In order to access our Services, you need an active Storytel account. When creating an account, you must agree to and accept these Terms of Use. Additionally, an active subscription is required to use the Service. Most subscriptions are regulated by additional subscription specific terms (“Subscription Terms”) which you accept when signing up for that subscription. Information on the subscription plans offered can be found on your local Storytel website.
Apart from these Terms of Use, your agreement with Storytel is also regulated by: (i) the information that you are provided with during the purchase; and (ii) any Subscription Terms that you accept for your specific subscription. Together, all information that regulates your relationship with Storytel is called the “Agreement”.
Storytel provides the Service subject to the terms and conditions set forth in the Agreement. If you do not agree to the Agreement, you may not use the Service nor access or consume any Content provided via the Service.
The effective version of the Terms of Use and of Subscription Terms can be found on Storytel's website.
You can find more information on Storytel's website and in our Help Center.
1. Age Limit and Account Eligibility
1.1.
To be eligible to enter into the Agreement and set up an account or enter into a subscription plan with Storytel you must:
- be at least eighteen (18) years old and/or otherwise have authorization and legal power to enter into this agreement by law in the country where the Service is made available to you;
- be a resident of the country in which the Service is made available to you;
- provide correct personal information where requested;
- provide a valid payment method;
- agree to adhere to the Agreement.
2. The Service
2.1.
Storytel provides a personalized digital subscription service through which you can stream and/or temporarily download (for in-app cached offline reading and listening only) the Content via a compatible internet-accessible device. The Service is accessed via the Storytel application or any other Storytel preinstalled software and may only be used for your non-commercial personal use of such in accordance with the Agreement.
2.2.
In order to use the Service, you must either use i) a device compatible with Storytel’s technical requirements, and/or ii) one of Storytel’s business partner platforms, onto which the Storytel application or any other Storytel software are installed. The Service may not have identical functionalities across all devices and platforms. For a list of the technical requirements for using the Service, a list of Storytel’s business partners, and a list of the currently accepted payment methods, please visit Storytel’s website.
2.3.
Storytel updates its application regularly, in order to ensure the security of the application, as well as for updating and improving the user experience. For these reasons, Storytel may at times require that you update to a newer version of the application.
2.4.
Storytel reserves the right to, at any time, modify the technical requirements for the use of the Service and to change, add or remove business partners and payment methods. Such modifications and changes will be posted on Storytel’s website.
3. Subscription plans
3.1.
Storytel offers various subscription plans, as amended from time to time. Information on the subscription plans currently provided by Storytel may be found on Storytel's website.
3.2.
The Service provided to you will depend on the type of subscription plan that you have signed up for.
3.3.
Storytel reserves the right, at its own discretion, to remove existing subscription plans or to change any features or functionalities of its subscription plans. Changes to the subscription plan can be based on various factors, e.g. improving/managing the Service, complying with rights holders’ requirements or legal or technical requirements. Where such changes negatively affect an existing subscription in more than a limited way, you will be informed and will have the possibility to terminate the subscription, see section 11 and your Subscription Terms.
4. Content Filters
4.1.
Any pre-installed content filters, such as e.g. “Kids mode” or other similar filter functions that may be offered in the Service from time to time, are offered to you as an optional function. Since the information that the filters are based on is provided to Storytel by other parties, such as the publishers of the Content, Storytel does not take any responsibility for the accuracy or adequacy of these filters and cannot guarantee that these filters will work to your personal satisfaction.
4.2.
If and where a pre-installed “Kids mode” filter is offered to you, the settings of this filter have been made based on information from the Content’s publishers that such Content is suitable for children aged twelve (12) years old or younger. This means that the Content made available in "Kids mode" may include any and all content and genres in the Storytel content catalogue intended for kids up to the age of 12. Storytel can not in any way guarantee that the filter is completely accurate or that it with complete certainty has filtered all non-relevant content in accordance with what has been intended.
5. Free Trial and other campaigns
5.1.
Your Subscription may start with a free trial period of the Service (“Free Trial”) or other campaign. The Free Trial and other campaigns are intended to allow users to try the Service for free or for a reduced price for the first time. As such, a Free Trial may not be used more than once per person. Free Trial and/or campaign eligibility is determined by Storytel at its sole discretion and Storytel may limit the eligibility to prevent Free Trial or campaign abuse. Storytel reserves the right to revoke or terminate a Free Trial or campaign if Storytel, in its sole discretion, determines that a user is not eligible. You may not combine Free Trial or campaign offers with other offers.
5.2.
When you sign up for a Free Trial, you acknowledge and agree that you will automatically be transferred to a paid subscription plan at the end of the Free Trial unless you cancel your subscription before the first payment, in which case you will not be charged and your subscription will be canceled.
6. Prices and Payments
6.1.
Prices are displayed on Storytel's website and will be clearly communicated to you when you sign up for a Subscription. Prices may vary depending on the type of subscription plan and/or payment method used. If prices vary, Storytel will communicate this on Storytel's website in connection to the general information on prices. Prices do not include any data communication costs or fees which your internet or telecommunication service provider may claim under your contract with such a service provider.
6.2.
You may, at any time, switch between different subscription plans. Storytel may, at its sole discretion, allow such switches to occur before the end of the current subscription period.
6.3.
Storytel may make changes to the price of the Service by giving you written notice at least 30 days in advance. Such notice will always give you sufficient time to cancel your subscription before the new price goes into effect. By not canceling your subscription, you accept the new price for the Service. Changes in price can be based on various factors, e.g. improving/managing the Service or amending compensation to rights holders.
6.4.
Subscriptions are paid in advance (or as otherwise agreed) until the subscription is canceled. Storytel does not provide any partial or full refunds or credits once the subscription is started, except as otherwise specified in the Agreement.
6.5.
As regards credit cards, please be informed that Storytel may refuse or block credit cards that are not issued in the country in which the Service is offered to you. Storytel also reserves the right at any time and at its own discretion to deny certain types of credit cards.
7. Gift Cards
7.1.
Storytel may offer different types of gift cards. Some gift cards may be product-specific, which means that such a gift card is connected to a specific subscription plan. Any such gift card can only be used together with such a plan. When you activate a gift card while you have a paid subscription, the paid subscription will be paused for the duration of the gift card subscription period.
8. Intellectual Property Rights
8.1.
The Service and the Content is our and/or our licensors’ copyrighted property. All trademarks, service marks, trade names, trade dress, domain names, patents, inventions, trade secrets, copyrights, database rights and all other intellectual or industrial proprietary rights (including know-how), in the Service or the Content are owned by us or our licensors, or any affiliated companies to us or our licensors. No element of the Service or the Content may be used or exploited in any way other than as part of the Service offered to you and to the extent expressly permitted under the Agreement. We do not transfer any rights (including intellectual property rights) or title to the Service or any part thereof to you, nor do we transfer any such rights or title to the Content or any portion thereof. Additionally, nothing shall be construed as Storytel granting, by implication or otherwise, any license or right of use of any trademark displayed on or within the Service or the Content to you.
9. Content and Software License
9.1.
The Content in the Service is constantly evolving and is regularly updated in order to e.g. improve the Service or adhere to legal requirements, intellectual property rights, rights holders’ requests or our internal content policies. This means that the Content offered to you via the Service may vary from time to time and between the different countries and regions where the Service is available, and that Content may be changed, removed or updated without notice. The Content may also vary depending on your current location while accessing the Service. For information on the Content currently available in your country, please visit the Storytel App.
9.2.
The Service is configured to enable the use of the Service software and the Content, owned or licensed by us. Subject to the terms of the Agreement and your payment of any applicable fee, Storytel hereby grants you a limited, revocable, non-exclusive, non-sublicensable, non-transferable license to access and use the Service software and the Content (within the Service only) for your personal non-commercial use via a compatible internet-accessible device.
9.3.
You acknowledge, warrant and agree to procure that you, and/or anyone to whom you allow access to the Service via your account, will not copy, reproduce, duplicate, modify, adapt, create derivative works from, display, publish, distribute, disseminate, broadcast, transmit, sell, rent, lease, lend, sub-license or circulate or otherwise exploit for any purpose (commercial or otherwise) any material, Content and/or part of or all of the Service (including, without limitation, the display and distribution of the Content, the Service and/or any other material via a third party website or otherwise).
9.4.
You also acknowledge, warrant and agree to procure that you, and/or anyone to whom you allow access to the Service via your account will at all times abide to the Agreement and specifically not; (1) redistribute, circumvent or disable any content protection system or digital rights management technology used in the Service; (2) decompile, reverse engineer, disassemble or otherwise reduce any Service to a human-readable form; (3) remove any identification, copyright or other proprietary notices; or (4) access or use the Service in an unlawful or unauthorized manner or in a manner that suggests an association with our products, services or brands.
9.5.
Use of the Services and/or Content in breach of this section 9 shall always be deemed to constitute a material breach of this Agreement and may be cause for copyright infringement claims.
10. Third-party content and links
10.1.
Storytel is not responsible for and does not warrant the quality or the safety of any hyperlinks and/or other elements generated by third parties accessible from the Service, our website and/or any forums provided by Storytel, both inside and outside of the Service.
10.2.
The Service may integrate, be integrated into, or be provided in connection with third-party services and content. Storytel does not control those third-party services nor their content, and such services may be subject to separate terms and/or policies. You should carefully read any agreement, terms of use and/or privacy policies presented to you that apply to such third-party services and/or content.
11. Duration and termination
11.1.
The below section 11 will apply unless otherwise specified when signing up to the Service or in any Subscription Terms.
11.2.
Storytel may, at its sole discretion, at times offer customers to pause their current subscription.
11.3.
If you end your subscription, it will expire at the end of your current subscription period. If you have taken advantage of a Free Trial offer, which has not yet expired, the subscription will end immediately.
11.4.
Storytel may terminate the Agreement with immediate effect at any time and without prior notice if you fail to comply with the Agreement or with any applicable laws, rules or regulation, or if you otherwise use the Service in a fraudulent way or in a way that may cause damage to Storytel, its affiliates, or any third party.
11.5.
Termination shall have no effect on the parties' rights or obligations under Section 8 ("Intellectual Property Rights"), section 13.7 (User Generated Content) or other terms of the Agreement that by their nature remains in effect even after termination of the Agreement. Upon the expiry or termination of the Agreement, for whatever reason, all licenses automatically and without further actions cease to apply and shall revert to Storytel.
12. Storytel’s rights and responsibilities
12.1.
Storytel may at times contact you. All communication between Storytel and you will be in accordance with Storytel’s privacy policy.
12.2.
We aim to make the Service available around the clock, seven (7) days a week. However, Storytel provides no guarantee that the Service will always be free of errors or interruptions. If there are any faults or interruptions affecting the Service, Storytel shall be given the opportunity to correct these without being in breach of the Agreement. Storytel also has the right, within reason, to close the Service, for example, if needed to carry out upgrades and maintenance.
12.3.
Storytel has the right to, fully or partially, transfer its rights and obligations under the Agreement to third parties. Storytel also has the right to engage subcontractors to carry out its obligations under the Agreement. Any such changes which may affect the processing of your personal data shall be handled in accordance with the Storytel Privacy Policy.
12.4.
Storytel may, at its own discretion, make changes in the Agreement. When Storytel makes material changes to the Agreement that negatively affects the Service or your Subscription, this will be communicated to you e.g. by sending you an email, text message or a notification via the Service. Such communication will be sent by Storytel at least thirty (30) days before the changes take effect, allowing you to cancel the Subscription ahead of the changes if you so wish. Your continued use of the Service will constitute your acceptance of the changes. It is therefore important that you read any notice or message from us carefully. If you wish to terminate your Subscription due to such updates or changes in the Agreement you may do so by following the instructions set out in section 11 and your Subscription Terms.
13. Your rights and responsibilities
13.1.
You may only use the Service for your personal non-commercial use in accordance with the terms of the Agreement and as expressly permitted under section 9. By way of example, you may not play audiobooks for an audience or in a public place and you may not, in any way, make the Service and/or the Content available and/or accessible to anyone else, whether physically or digitally.
13.2.
You are responsible for maintaining sole control over your account and to prevent undue access to the Service. You also undertake to follow any requirement on password security and to not reveal your password or any other personalized details associated with your account to anyone for as long as you subscribe to the Service. If another person is allowed access to the Service according to these Terms of Use, you shall procure that those who access/use the Services observe the terms of this Agreement in all respects and you shall be liable for any breach of the terms of this Agreement from such individual.
13.3.
If you are offline from the Service for a period of thirty (30) days or more, Storytel may block your access to the Service until you go online again. This is to ensure that you still have an active subscription to the Service and to manage updates in the Content.
13.4.
It is your responsibility to inform Storytel of any changes to the data you provided at signup and/or at purchase, especially to the e-mail address or phone number with which you created your account.
13.5.
You are responsible for all user-generated content (e.g. reviews and profile picture) that you create and share in the Service or on any platforms related to the Service (e.g. Social media channels) (“User Generated Content”). You are also responsible for ensuring that you hold all rights (including all intellectual property rights) thereto and that such User Generated Content will be in accordance with the terms of this Agreement and the Storytel Community Policy. You may not share any User Generated Content that is, or is at risk to be, considered as illegal, insulting, offensive, harassing, obscene, defamatory, discriminatory, a breach of privacy, or infringing any third-party rights. You acknowledge and accept that Storytel has the right to monitor, review, remove or disable access to any User Generated Content at any time and at Storytel’s sole discretion. We ask that you please keep our service and communication channels as respectful and relevant as possible.
13.6.
You hereby grant Storytel a perpetual, worldwide, royalty-free, non-exclusive, non-revocable, transferable and sub-licensable unrestricted right to use, including but not limited to host, reproduce, modify, distribute, display and in any other way make publicly available any and all of your User Generated Content in any now existing or future media for commercial purposes or otherwise, including but not limited for the purpose of marketing Storytel, the Service, the Content and/or its licensors and/or business partners.
13.7.
You have no right to transfer your rights and obligations under the Agreement, unless you have Storytel’s written consent to do so.
13.8.
You must not use the Service in any way that causes, or is likely to cause, the Service to be interrupted, damaged or impaired in any way, nor will you use the Service or your device for any unlawful or fraudulent purposes.
13.9.
You acknowledge that the Service includes Content which is not appropriate or suitable for minors. You therefore agree, regardless of whether or not you have chosen to use a content filter (such as the Kids mode filter), not to let minors access the Service unless they are under your supervision.
14. Sanctions and export control
14.1.
You may not use, access or otherwise export or re-export the Service except as authorized by United States law and the laws of the jurisdiction in which the Service was obtained. In particular, but without limitation, the Service may not be exported, re-exported or otherwise made available (a) into any country or region embargoed by the U.S. Government, or (b) to anyone on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Department of Commerce Denied Persons List or Entity List, EU consolidated sanctions list with designated persons. By using the Service, you represent and warrant that you are not located in any such country or on any such list.
15. Delivery of Service
15.1.
The Service is made available to you under the Agreement by Storytel Sweden AB, incorporated in Sweden with corporate identity number 556696-2865 and with address Box 24167, 104 51 Stockholm.
15.2.
If you purchase your subscription via Storytel's website, the Service is sold to you by Storytel Sweden AB.
15.3.
If you purchase your subscription via a third party, such as a telephone operator, the Service is sold to you by that third party, unless otherwise indicated by the third party.
16. Contact details
16.1.
You may contact us via the channels below:
- Storytel Help Center
- E-mail address: support.in@storytel.com
- Address: Box 24167, 104 51 Stockholm, Sweden
17. Governing law and dispute resolution
17.1.
The Agreement shall be governed and construed in accordance with the laws of Sweden, excluding its conflict of laws principles. However, the Agreement will not limit any consumer protection rights that you may be entitled to under the mandatory laws of your country of residence if in conflict with the above.
17.2.
If you are dissatisfied with the Service, the content available on it, or with the Agreement, your sole and exclusive remedy is to discontinue the Service. Storytel shall have no liability for any indirect damages and you agree that any liability on behalf of Storytel shall in all cases be limited to the amount paid by you to Storytel during the twelve month preceding your claim. Storytel is not liable for any disruption in your internet access.
17.3.
In case of a dispute between you and Storytel that cannot be solved between the parties, the dispute may be referred to the appropriate court or forum in India and settled in accordance with the laws of India.
Last reviewed: 13 September 2023
Storytel Sweden ABBox 24167, 104 51 Stockholm
PRIVACY POLICY FOR STORYTEL
1. General
1.1.
Storytel is an internet based digital subscription service that gives you (hereinafter “You” or the “User”) access to the Storytel website, audiobooks, ebooks and other literary content in Your mobile phone, on Your tablet or other devices (the “Service”) pursuant to the Terms of Use, this Privacy Policy and any supplemental terms and Conditions which may govern Your use of a specific Subscription plan for Storytel (the “Terms”). The Service is provided by Storytel Sweden AB, with corporate identity number 556696-2865, (hereinafter ”Storytel” or “we”).
1.2.
This privacy policy explains Storytel’s practices regarding its collection, storing, use and disclosure of certain information, including Your personal data in connection with our provision of the Service to You. This privacy policy also regards persons who visit our website or download and use our application. It serves to inform You about our processing of Your personal data and ensure You that Your personal data is treated with respect and in accordance with the applicable data protection legislation when using the Service.
1.3.
You should always feel safe when sharing Your personal data with Storytel. Storytel has taken the technical and organizational security measures that are appropriate to ensure that Your personal data is protected from in particular unauthorized access or disclosure, use, modification, destruction and loss. If You are not comfortable with the content in this Privacy Policy You may always refrain from using the Service.
2. Personal Data Controller
2.1.
Storytel Sweden AB and Storyside India LLP are the data controllers for the processing of Your personal data handled by Storytel. You may contact either entity regarding for example integrity and privacy. Information on how to contact us can be found in section 13.
3. When and from where does storytel collect personal data?
3.1.
Storytel collects personal data about You when:
- You set up an account with Storytel and/or use the Service,
- You order an add-on service or a product from Storytel,
- You install and/or use any application included in the Service with our without an underlying subscription plan,
- You visit the website,
- You register as a subscriber of Storytel’s newsletter,
- You report errors, infringing or otherwise inappropriate material or contact Storytel’s customer services for any other reason,
- You link the Service to Your Facebook account or a similar third-party service, e.g. to facilitate login to the Service, in which case we receive data from such third-party service,
- You answer a survey, including but not limited to customer satisfaction questionnaires or marketing surveys or reply to communication from Storytel, or
- It is otherwise necessary to manage the relationship between You and Storytel.
3.2.
Storytel also collects information through our own or third-party cookies and similar tracking technologies (including but not limited to beacons, tags and pixels) that may track Your activities and choices, i.e. when You download our application, use the Service or visit our website. This is for instance for the purposes of facilitating log in, remembering Your preferred settings, sending You tailored marketing and measuring successfulness of advertising. Further information about Storytel’s use of cookies is stated in Storytel’s cookie policy found on the Storytel website.
4. What personal data does Storytel collect?
4.1.
When You set up an account with Storytel or contact Storytel’s customer services, Storytel collects personal data about You. Basic user data that Storytel collects includes Your contact details such as name and/or user name, e-mail address and/or phone number and Your payment details such as your credit card type and expiration date of such card. Storytel may also collect data regarding Your date of birth, gender and additional contact details such as Your address. Storytel may also collect personal data that You provide about Your family members (including Your family members’ names, e-mails, dates of birth and their interests). If You choose to provide such personal data, You are responsible for having the right to do so with their consent and You should also inform them about our processing activities.
4.2.
When You use the Service or any additional Storytel services and products, and visit Storytel’s website and app, Storytel may also collect data concerning usage (such as choices of titles and search queries), viewing information (such as content viewed) and technical data (such as unique platform IDs, phone and platform versions, device IP address, Storytel app version, language settings, URL information, password (encrypted), cookie data and browser type). If, when You signed up as a customer with Storytel You signed up as an invoice customer, Storytel may also need to collect and process some of the information You provide to Storytel’s payment service provider to facilitate such invoicing.
4.3.
If You choose to link the Service to Facebook or a similar third-party service that controls personal data, Storytel may collect and process personal data which You have given Facebook, or such other third-party, permission to share with Storytel. Storytel encourages You to inform yourself of such third parties' privacy practices.
4.4.
Further Storytel may also collect and process personal data that You provide in public forums on Storytel’s website or to Storytel when You use Storytel’s website, Storytel’s sites on third-party platforms such as application stores, social networking sites or link Your profile on a third-party site or platform with Your personal account.
4.5.
Storytel may also collect and process certain personal data related to Your eligibility to use the Service and Your chosen method of payment. However, as Storytel cooperates with third party payment service providers who operate independently in systems separated from Storytel, no complete payment data, such as complete credit card numbers, will be stored by Storytel. Storytel encourages You to inform yourself of such third party payment providers' privacy practices.
5. For how long is the Data kept?
5.1.
Storytel will keep Your personal data only as long as it is necessary with regard to the purpose of the respective processing activity.
5.2.
This means that personal data collected and processed for marketing purposes will be stored for as long as You are a Subscriber and for twelve (12) months after Your subscription has ended unless You have given Storytel Your consent to continue to process such data.
5.3.
In order to fulfill our contractual obligations, monitor and document usage of Gift Cards and Free Trial periods and other add-on services, we will store the personal data You have provided at sign up (such as Your name and/or user name, e-mail address and/or phone number and payment details) as long as You are a Subscriber, Gift Card user or Free Trial user and for a period of twenty-four (24) months after Your subscription, Your purchase of a Gift Card, or Your use of Gift Card or Free Trial has ended whichever is the latest.
5.4.
We will keep Your personal Storytel audiobook/ebook library information as long as You are a Subscriber and for a period of twenty-four (24) months thereafter in order to facilitate and improve Your experience, should You wish to return as a Subscriber within the aforementioned time period.
5.5.
When You contact Storytel to receive support or for other purposes we will store Your personal data for twenty-four (24) months after resolving Your latest support ticket (e.g. issues and requests).
5.6.
Your Personal data is processed for analytical purposes during Your subscription period and for twenty-four (24) months thereafter.
5.7.
Storytel may store personal data for a longer time than the aforementioned times if required by law or in order to establish, exercise or defend a right in a legal claim.
6. Where is the personal Data stored?
6.1.
Your personal data is stored on servers located in the country where the Contracting Party (as defined in the Terms of use) is established. Personal data is also stored in Sweden, where Storytel's main establishment is located. For international transfers, Storytel applies security measures as described below in 10.5.
7. Why does Storytel process your personal data?
7.1.
Storytel processes Your personal data for various purposes. Primarily, Storytel processes Your personal data in order to manage the customer relationship with You and to fulfill its legal obligations. Your personal data may also be processed for market and customer analysis, market research, statistics, business monitoring and business and methodological development for Storytel in order to develop and customize the Service and its features.
7.2.
Storytel also processes Your personal data to provide better and more personalized offers and services. Storytel also processes Your personal data to decrease the risk of sending You irrelevant advertising or other types of irrelevant marketing . Personal data may, for example, be processed, linked, segmented and analyzed in order, by means of targeted marketing via for instance email, in app push notifications and advertising on third party channels, to provide information, offers or recommendations on Storytel’s or its partners’ goods and services, which are tailored to Your preferences, behavior, needs or lifestyle. It may also be used as a basis for targeted marketing towards audiences that are similar to Storytel’s existing users. This may e.g. include processing of personal data for the purpose of creating custom audiences on third party platforms such as Facebook and Google. Storytel may also analyze and combine the information about You to which Storytel has access via the Service from Your online visits or other records (e.g. Facebook or other similar social media providers) for purposes specified in this section.
7.3.
In addition to the above, Storytel processes Your personal data to prevent, detect and investigate potential prohibited or illegal activities, including fraud, and to enforce our Terms (e.g. determining whether You are eligible for a Free Trial period or for any other offer or marketing campaign as the case may be).
8. What is the legal basis for the processing?
8.1.
A majority of the personal data that Storytel processes about You are processed because it is necessary for Storytel’s performance of the Terms, i.e. in order for Storytel to be able to provide and administer the Service and its features. Such is the case when Storytel processes e.g. Your contact details such as Your e-mail address or Your phone number and information from the payment service provider.
8.2.
Some of the personal data which Storytel processes are processed based on a balance of interest, i.e. Storytel’s legitimate interest of processing the data outweighs the impact and risk the processing may have on Your integrity. Such is the case when Storytel processes Your personal data for support purposes (e.g. general support requests) or certain marketing purposes other than for direct marketing and when we store Your Storytel audio/ebook (including other literary content) library information after Your subscription has ended.
8.3.
Additionally, some personal data is processed based on Your consent. This is the case for the processing of such personal data that Storytel gets access to via Your Facebook account, for direct marketing of Storytel’s or Storytel’s partners’ goods and services. If You provide personal data of other natural persons, such as Your family members, You are responsible for seeing to that they consent to the processing of their personal data.
8.4.
To the extent that processing is carried out with consent as a sole legal basis, it is voluntary for You to give such a consent and You may at any time, wholly or partly, withdraw Your consent.
9. Data security and Integrity
9.1.
The security, integrity and confidentiality of Your personal data is very important to us. We have implemented technical, administrative and physical security measures that are designed to protect Your personal data from in particular unauthorized access or disclosure, use, modification, destruction and loss. From time to time, we review our security procedures in order to assess the need to implement additional measures or to make technical upgrades to existing procedures. Please be aware that, despite our best efforts, few security measures are impenetrable, and we therefore kindly ask that You inform us immediately of any suspicious activities that You notice in the Service.
10. Who does Storytel disclose your personal data to?
10.1.
Storytel may disclose Your personal data to its affiliates, i.e. to companies within the Storytel group, business partners, suppliers and other third parties in order to fulfil the agreement with You or to fulfil agreements with Storytel’s suppliers and business partners or otherwise according to the purposes set out in this privacy policy. This might be the case when we provide information to e.g. Your bank to prove compliance and sort out misunderstandings etc.
10.2.
Storytel may also disclose Your personal data to third parties for the purpose of sending You tailored advertising and marketing, for the purpose of avoiding to send You irrelevant advertising or other types of irrelevant marketing, to measure the success and outreach of our digital marketing and for other promotional purposes. Such is the case when Storytel uses remarketing features and impression, interest and demographic reporting in Google Analytics, uploads custom audiences to e.g. Facebook and Google and when we inform our business partners, such as Facebook and Google, that a certain marketing measure generated a new specific customer or a number of new customers as the case may be.
10.3.
Storytel may also disclose personal data to companies that process personal data on our behalf, such as our IT system providers, customer service companies and affiliates. If personal data is disclosed to such companies that process data on Storytel’s behalf, Storytel enters into data processing agreements with such parties in order to ensure that a high level of security for Your personal data is maintained.
10.4.
Personal data may also be disclosed, if needed, to comply with statutory legal requirements or requirements from authorities or agencies, to safeguard Storytel’s legal interests or to detect, prevent, or pay attention to fraud and other security or technical issues.
10.5.
As an international business, we may store Your personal data in the European Union (EU) or in the European Economic Area (EEA) or in other locations. When Your personal data is transferred between different countries, the transfer is made to the previously described categories of recipients and for the purposes set out in this privacy policy.
As previously mentioned, Your personal data is transferred to the previously described categories of recipients for the purposes set out in this privacy policy. Such transfers take place in accordance with applicable data protection laws.
11. Links to external websites
11.1.
Information provided by Storytel may contain links to websites operated or owned by someone other than Storytel. Storytel is not responsible for the processing of personal data carried out on these websites. Storytel encourages You to inform yourself of the privacy practices of the respective website controllers.
12. Changes to the Privacy Policy
12.1.
This privacy policy may be revised from time to time. If Storytel makes any significant changes to the privacy policy, Storytel will inform You by e-mail, SMS or through the Service before the changes take effect. The most recent version of our privacy policy will also be published on Storytel’s website. If any change requires Your consent, Storytel will make a request for such new consent from You. We encourage You to review this privacy policy frequently in order to stay informed about our data processing practices.
13. Your rights under EU/EEA Law
13.1.
If You are located in the EU/EEA, or if Your personal data is otherwise being processed by a Storytel entity within the EU/EEA, You have the following rights (in addition to withdraw Your consent):
- Right of access: You have a right to ask whether or not we have personal data about You and, if that is the case, request information on what personal data we have about You and why and how we process it.
- Right to rectification: We are required to rectify inaccurate personal data, or to complete personal data that is incomplete, on request.
- Right to erasure (right to be forgotten): We are in some circumstances required to erase Your personal data on Your request.
- Right to restriction of processing: We are in some circumstances required to restrict our use of Your personal data on Your request. In such cases, we may only use the personal data for certain limited purposes set out by law.
- Right to data portability: Under certain circumstances, You may have the right to receive their personal data to which we have access, in a structured, commonly used and machine-readable format and with a right to transmit those data to another entity.
- Right to object: In some cases, You may object to our use of Your personal data. We may then be required to stop using the personal data. One example when this might apply is when personal data is used for marketing and profiling purposes.
13.2.
Please note that some of the rights above may only be exercised in certain situations, e.g. the right to data portability, which only applies when the processing is carried out on the basis of contractual necessity or consent and if the processing is carried out by automated means and the right to have data deleted, which only applies when data is processed based on a balance of interest or consent. In case You have any questions regarding how Storytel processes Your personal data, want to exercise any of Your rights or want to know more about the rights, You may contact us as indicated below.
- E-mail address: privacy@storytel.com
- Address: Attention: Support, Box 24167, 104 51 Stockholm, Sweden
13.3.
If You do not want Storytel to process Your personal data for direct marketing, You can give notice thereof to Storytel. Additionally and for each newsletter sent to You, You will be informed that You can opt out of receiving further newsletters. As regards push notifications You may (in the case of most mobile and tablet devices) opt out of receiving such notifications by going to Your device “Settings” and clicking on “Notifications,” and then changing those settings for some or all of the apps on Your device. As regards cookies, Your choices for opting out are outlined in Storytel’s cookie policy.
13.4.
You are also entitled to lodge a complaint with a supervisory authority if You consider that Your personal data has been processed in contradiction with applicable data protection legislation. If You are a resident of, if Your place of work is in or if the alleged infringement of data protection law has taken place in Sweden, You may lodge Your complaint to the Swedish Data Protection Authority.
Last reviewed 2 November 2018
Storytel Sweden ABBox 24167, 104 51 Stockholm