Privacy Policy

PRIVACY POLICY

This Privacy Policy discloses the privacy practices of thefinancialfitnesscoach.com (“Website”). It explains how your information is collected, stored, used, and shared when collected by us. You agree to our privacy practices which is accepted through your use of our Website. If you do not agree with this policy and our practices, you are not authorized to use our Website.

1. INFORMATION COLLECTION.

We collect the following categories of information about you when you visit and use our Website or participate in our Surveys or other promotions:

(a) Personal Information. Your name, address, telephone number(s), mobile numbers and email address, employment status or other unique information you provide to us during the registration process, through our online surveys or through the course of communicating with us for any reason.

(b) Demographic Information. This includes your zip code, mobile phone carrier, age, gender, salary range, education, marital status, occupation, military service, industry of employment, personal and online interests. If you can be personally identified through this information, it is Personal Information.

(c) Our Website. We track and record the pages, articles and ads you visit on our website, what services or products you access or order, information about your computer hardware and software, including your IP address, general geographic location of the computer or device you are using, browser preference, operating system other websites you visit. When we can identify you personally, through the use of this information, it is Personal Information.

(d) Third-Party Information. We may collect personal and non-personal information about you from a third-party which may include personal, demographic, and technology information. This includes, information found in cookies or persistent identifiers, and email opt-in records. We may not have access or control over these cookies and other tracking devices as they are owned and used by unaffiliated parties including advertisers, networks, ISPs, analytics consultants, or social media networks. We have no responsibility or liability for the policies and practices of these parties.

(e) Technology Information. We automatically collect your IP address, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data from cookies, web beacons or other technology.

(f) No Information Collected from Children. We will never knowingly collect any Personal Information from anyone under the age of 16. If we accidently do collect such   information, we delete the same upon notice.

2. TECHNOLOGY COLLECTION.

We, our vendors, networks, ISP(s) and supporting advertisers use technologies such as cookies, web beacons, and java scripts to collect information about you. Using these technologies, we collect your IP addresses, browser type, ISP, referring/exit pages, operating system, date/time stamp, and/or clickstream data. We use this to analyze trends, monitor and update our Website, ease of movements through our Website and gather demographic information about our user base, as a whole, to attract advertising on our Website. We may create reports or logs based on these technologies on an individual or aggregated basis. California residents should be advised we do not respond to do not track signals or cookies.

(a) Cookies. If enabled, cookies store small amounts of information on your computer about actions you take on our Website. This helps us track which of our features you visit most often, and what content you view and keep track of the number of return visits. We accumulate and aggregate statistical information generally pertaining to our Website, to market our website and deliver specific content to you based on your past viewing history. You can modify or disable cookies, but our Website may not function properly for you. You may read more about cookies at http://cookiecentral.com/faq/.

(b) Third-Party Cookies. We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google’s Analytics Advertising. This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/.

(c) Social Media Cookies. All social media platforms use cookies to collect your IP address, which page you are visiting and to enable the feature to function properly. Social media features are either hosted by a third-party or hosted directly on our Website. Your interactions with these features are governed by the Privacy Policy of the company providing it.

(d) Web Beacons. We use web beacons to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email message. Because Web beacons are the same as any other content request, you cannot opt-out or refuse them. However, they can be rendered ineffective by either opting-out of cookies or changing the cookie setup in your browser.

3. USE OF INFORMATION. 

(a) We use the information to provide you with the services and/or products you have requested. We may share your information with a third-party to provide such services or products. We do not control the privacy practices of third-parties. Please contact the third-party with any questions about their privacy practices.

(b) We use the information to respond to any questions you have, operate and improve the functionality of our Website, and deliver the products and services. We use the information for testing, research, analysis and product or marketing development. Our services include the display of personalized products, content, and advertising, relating to your experience and interests. This includes maintaining and improving the safety, security and integrity of our Website, databases and technology assets.

(c) We use the information to provide other promoted campaigns, products and services to you that might be of interest to you. Other parties will use the information we share to provide you with their services and products. We also use the information to respond to your questions concerns or requests.

4. SHARING AND SALE OF INFORMATION.

(a) Third-party Product and Service Providers and Marketers. We disclose, share, and sell your Personal Information to third-party product and service providers to provide you with the products and services you have requested through your registration on our Website and Services.  We also license and sell your Personal Information to third-parties who provide marketing for their clients’ marketing efforts.

(b) Parent and Affiliated Companies. We may disclose and share your information with our parent company and its subsidiaries for business and operational purposes.

(c) Service Providers. We disclose and share your information to third-party contractors and other service providers that we use to support our business, Websites, and Services.

(d) Sale or Transfer of Business or Assets. We may disclose, share, and sell your Personal Information as part of our sale of assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity. If we file for bankruptcy or reorganization, information we have collected about you may be considered our asset and may be included in the assets transferred.

(e) Marketing Vendors and Other Third-parties. We may disclose, share, or sell your information to third-parties who provide display and/or email services or other third-party vendors we use who provide cookies, pixel tags, web beacons, clear GIFs, or other similar technologies for our and third-parties use on and to manage and improve our advertising campaigns.

(f) Compliance with Laws. We may disclose your Personal Information to comply with any court order, law, or legal process, including responding to any subpoenas, judicial processes, or government or regulatory requests and investigations. We may disclose and share your Personal Information to third-parties to assist us in compliance with Laws.

(g) Enforcing Our Rights. We may disclose and share your information to enforce or apply our terms of service or other agreements, including for billing and collection purposes, with clients, third-party service provides and other third-parties or contractors who provide you with the product or service which you have requested or to protect the security of our Websites, servers, network systems, and databases and enforce our contractual rights with these parties.

(h) Acquisition or Merger. We may disclose, share, sell and otherwise transfer your Personal Information to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation, or purchase of all or a substantial portion of our assets.

(i) Aggregate or Anonymous Non-Personal Information. We may disclose, share, or sell aggregate, anonymous, or de-identified non-personal information to third-parties for their marketing or analytics uses.

5. THIRD-PARTY COLLECTION AND USE OF INFORMATION.

(a) Advertisers. Advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own technology to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you. We also do not control how such information is used or shared. Please be sure to read their privacy policy and practices.

(b) Links. For your convenience, our Website and email messages sometimes contain hypertext links to websites owned by third-parties. We are not responsible for the privacy practices or the content of such other websites. We do not operate or control any information, software, products or services, available on these third-party websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization.

(c) Analytics. As described above, we use Service Providers to monitor, analyze and report on the traffic to, from and within our Website and email messages.

(d) Disclaimer to Third-Party Collection and Use. Our Website offers links to other websites, including links embedded in advertisements and links to various news sources not under our control. These other websites may have information policies and practices different from ours. In addition, certain companies associated with our Website have their own privacy policies. We do not own or control such companies and websites and are not responsible for the privacy policies or practices or the content of websites.

6. SECURITY

We use reasonable industry-accepted technology and controls to protect your information and data from disclosure to unauthorized third-parties. Although mostly effective to prevent disclosure, no guarantee can be given that all information you provide to us will not be accessed by unauthorized persons. Thus, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. Any transmission of data to use or through our Website is at your own risk.

7. CHANGES TO POLICY AND PRACTICES. 

We have the right to make material changes to this Privacy Policy. We will post those changes through a prominent notice on the website with no further notice to you. Please review this policy often so that you will always know what information we gather, how we might use that information, and with whom we disclose, share, and sell it.

8. OPT OUT. 

Opting Out. If, at any time, you prefer not to receive email marketing information or newsletters from us, simply click the unsubscribe link at the bottom of each email or write us at help@thefinancialfitnesscoach.com.

CALIFORNIA CCPA AND CPRA NOTICE.

Effective Date: January 1, 2023

This Privacy Notice for California Residents supplements the information contained in our primary privacy policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and as amended and effective January 1, 2023, the California Privacy Rights Act (“CPRA”). Any terms defined in the CCPA and CPRA have the same meaning when used in this Notice. The CCPA and CPRA are collectively referred to as the “CCPA” for purposes of this Notice.

Category Collected	Exemplar	Source	Business Purpose	Share or Sale
Identifiers	First and Last Name,  Postal Address,  Unique Personal Identifier,  Online Identifier,  Internet Protocol Address,  Email Address	Directly and indirectly from consumers,  Third-party data providers,  Ad exchanges,  Supply-side platforms,  Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google.  Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers,  Contractors,  Third-party vendors,  Clients,  Affiliated companies
Personal and Sensitive Information	First and Last Name,  Address,  Telephone Number,  Credit Card or Debit Card when purchases are made	Directly from Consumers	To process consumer requests,  Purchases,  Transactions,  Payments,  Prevent fraud	Service providers,  Contractors  Third-party vendors,  Clients,  Affiliated companies
Commercial Information	Records of products or services purchased, obtained, or considered. History or tendencies toward products and services or response to advertising.	Directly and indirectly from consumers,  Third-party data providers,  Ad exchanges,  Supply-side platforms,  Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google.  Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. To process consumer requests, purchases, transactions, payments, and prevent fraud.	Service providers,  Contractors,  Third-party vendors,  Clients,  Affiliated companies
Internet or other Similar Network Activity	Browsing history,  Search history,  Information on a consumer's interaction with a website,  Application,  Advertisement	Directly and indirectly from consumers, third-party data providers,  Ad exchanges,  Tech and analytics third-party platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google. Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers,  Contractors,  Third-party vendors,  Clients,  Affiliated companies
Geolocation Data	Through collection of your IP, we collect your general location, upon requesting services, or product we collect your physical address	Directly and indirectly from consumers,  Third-party data providers,  Ad exchanges,  Tech and analytics third-party platforms, Clients.	Personalize Website; Respond to Consumer request; targeted advertising through Google.  Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.	Service providers,  Contractors,  Third-party vendors,  Clients,  Affiliated companies
Inferences Drawn from other Personal Information	From information we collect as set forth herein and information provided by third-parties, we are able to profile a general understanding of your preferences, characteristics, and personal preferences to determine what ads or products or services you may be interested in receiving.	Directly and indirectly from consumers,  Third-party data providers,  Ad exchanges,  Tech and analytics third-party platforms, Clients	Personalize Website; Respond to Consumer request; targeted advertising through Google.  Maintain the safety, security, and integrity of our Website, products, services, databases, other technology assets, and business. For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.	Service providers,  Contractors,  Third-party vendors,  Clients,  Affiliated companies
Highly Sensitive Information	Credit card or financial information for purposes of a transaction involving our products or services.	Consumers	To respond to request of consumer for products or services	We do not share or sell Highly Sensitive Information with third-parties unless they are necessary to assist us in performing the services or provide the products or otherwise as requested by you.

 

Your Rights and Choices.

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to and Correction of Specific Information and Data Portability Rights.

You have the right to request that we disclose and or correct certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights below), we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third-parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • Sales, identifying the personal information categories that each category of recipient purchased; and
  • Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights.

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. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights below), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• 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.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act.
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.

Right to Opt-Out of the Sale of Personal Information.

You have the right to opt-out of any sale of your Personal Information by us. If you are requesting a product or service, this is an exemption from this right, and we will process your request. However, you have the right to cease all further sale of your Personal Information. You may email us or use our web portal and fully fill out the request form.

Opt-Out Preference Signal (Global Privacy Control).

You may use an Opt-Out Preference Signal, such as the Global Privacy Control (“GPC”), to opt-out of the sale/sharing of your personal information.  However, this technology and our use of it is not fully developed by the market.  Our database containing your information may not be linked to your browser identification and because your request to opt-out of sale/sharing will be linked to your browser identifier only and not linked to any account or database  information as the connection between your browser and our database is not known to us we may not be able to fulfill this request.

If you would like us to make the connection between your browser and your account within our database, please email us or submit the requested form through our website portal below.

Exercising Access, Data Portability, and Deletion Rights.

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Call Us Toll Free at: 866-279-5398
• Visiting our web portal: consumerdataprotect.com

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. The appointment must be in writing and presented by your agent. If your authorized agent requests sensitive information about you then we may ask you to provide us with a sworn declaration to further verify your identity.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request 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:
  • You will be required to provide your full name, email address, and zip code.
• 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. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format.

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 days), we will inform you of the reason and extension period in writing.

We will deliver our written response by email unless you request, we mail the same to you and provide a current mailing address.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination.

We will not discriminate against you for exercising any of your CCPA or CPRA rights.

Changes to Our Privacy Notice.

We reserve the right to amend this privacy notice at our discretion and at any time. The only notice to you will be our posting of the updated notice on the Website and update the notice's effective date.

Contact Information.

If you have any questions or comments about this notice, the ways in which we collect and use your information described here and in the posted Privacy Policy, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: help@thefinancialfitnesscoach.com.