Returns & Refunds Policy
We do not issue refunds for digital products. All digital product sales are final and all monies are non-refundable. You will have immediate access once the order is purchased and the payment processed.
All sales are final and no refunds will be offered.
We recommend contacting us for assistance if you experience any issues receiving or downloading our products.
If you have any questions about our Returns and Refunds Policy, please contact us by email: info@financialmotivations.com
Thank you for shopping with Financial Motivations Consulting & Insurance Services
Terms & Conditions
EFFECTIVE DATE: MAY 28, 2022
YOUR ACCESS TO AND USE OF FINANCIAL MOTIVATIONS' WEBSITES, ACCESSIBLE AT:
- FINANCIALMOTIVATIONS.COM (Financial Motivations Consu(ting and Insurance Service
- COURSES.FINANCIALMOTIVATIONS.COM (FMCIS University)
- MOTIVATING YOUR MONEY (MYM Foundation)
- FMCIS Store (FMCISCollections.com)
IS GOVERNED BY THIS TERMS OF USE AGREEMENT. BY ACCESSING AND CONTINUING TO USE THIS WEBSITE YOU ACCEPT AND AGREE TO BE BOUND BY THE TERMS OF USE (WHICH MAY CHANGE FROM TIME TO TIME). IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU SHOULD NOT ACCESS OR USE THIS WEBSITE.
OVERVIEW
THE TERMS “WE,” “US,” AND “OUR” REFER TO FINANCIAL MOTIVATIONS'. THE TERMS “WEBSITE, “ OR “SITE” REFERS TO THE WEBSITES LISTED ABOVE. THE TERMS “USER,” “YOU,” AND “YOUR,” REFERS TO WEBSITE VISITORS, CUSTOMERS, CLIENTS AND ANY OTHER USERS OF THE WEBSITE.
THE SERVICES PROVIDED BY FINANCIAL MOTIVATIONS INCLUDE VIRTUAL TRAININGS, COACHING, A BLOG AND OTHER WEBSITE RESOURCES ARE REFERRED TO AS THE “SERVICE.”TO ACCESS AND USE THIS WEBSITE YOU MUST BE 18 YEARS OLD OR OLDER AND HAVE THE POWER AND AUTHORITY TO ENTER INTO THIS TERMS OF USE AGREEMENT. CHILDREN UNDER THE AGE OF 18 ARE PROHIBITED FROM USING THE SITE.
PRIVACY POLICY
OUR PRIVACY NOTICE IS CONSIDERED PART OF THIS AGREEMENT AND IS AVAILABLE ON THIS WEBSITE. YOU MUST REVIEW OUR PRIVACY NOTICE BY CLICKING On THIS PAGE. IF YOU DO NOT ACCEPT AND AGREE TO BE BOUND BY ALL THE TERMS OF THIS AGREEMENT, INCLUDING THE FINANCIAL MOTIVATIONS PRIVACY NOTICE, DO NOT USE THIS WEBSITE OR OUR SERVICES.
YOUR USE OF THE SITE
YOUR USE OF THE SITE IS INTENDED FOR PERSONAL, NON-COMMERCIAL USE ONLY. BY ACCESSING OR USING THE SITE, YOU AGREE TO COMPLY WITH ALL APPLICABLE LOCAL LAWS. EXCEPT IN INSTANCES WHERE WE HAVE GIVEN YOU SPECIFIC, EXPRESS PERMISSION, YOU MAY NOT USE, REPRODUCE, DISTRIBUTE PUBLICLY, DISPLAY PUBLICLY, PERFORM, PUBLISH, TRANSMIT OR CREATE DERIVATIVE WORKS FROM, OR OTHERWISE UNLAWFULLY
USE ANY CONTENT ON THE SITE.
YOU MAY NOT USE ANY FEATURES OF THIS SITE THAT PERMIT COMMUNICATIONS OR POSTINGS, TO POST, TRANSMIT, DISPLAY, OR OTHERWISE COMMUNICATE ANY OF THE FOLLOWING:
• ANY DEFAMATORY, THREATENING, OBSCENE, HARASSING, OR OTHERWISE UNLAWFUL INFORMATION;• ANY ADVERTISEMENT, SOLICITATION, SPAM, CHAIN LETTER, OR OTHER SIMILAR TYPE OF INFORMATION;• ANY ENCOURAGEMENT OF ILLEGAL ACTIVITY;• UNAUTHORIZED USE OR DISCLOSURE OF PRIVATE, PERSONALLY IDENTIFIABLE INFORMATION OF OTHERS; OR• ANY MATERIALS SUBJECT TO TRADEMARK, COPYRIGHT, OR OTHER LAWS PROTECTING ANY MATERIALS OR DATA OF OTHERS IN THE ABSENCE OF A VALID LICENSE OR OTHER RIGHT TO DO SO.
SITE CONTENT AND DISCLAIMER
FINANCIAL MOTIVATIONS MAKES NO REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION PROVIDED ON THIS WEBSITE, REGARDLESS OF ITS SOURCE, (“CONTENT”), IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE.STACIE DANIEL DISCLAIMS ALL LIABILITY FOR ANY INACCURACY, ERROR OR INCOMPLETENESS IN THE CONTENT.
THIS WEBSITE IS AN EDUCATIONAL AND INFORMATIONAL RESOURCE TO EDUCATE VISITORS ON BUSINESS AND MARKETING, AND IS NOT A SUBSTITUTE FOR WORKING WITH AN ACCOUNTANT, ATTORNEY, FINANCIAL ADVISOR OR OTHER PROFESSIONAL. WE CANNOT GUARANTEE THE OUTCOME OF FOLLOWING THE RECOMMENDATIONS PROVIDED IN ANY STATEMENTS MADE ON THIS SITE REGARDING THE POTENTIAL OUTCOME OF ANY GIVEN SITUATION. THE RECOMMENDATIONS PRESENTED ON THIS SITE ARE EXPRESSIONS OF OUR OPINION ONLY.
THERE ARE NO GUARANTEES MADE BY US ABOUT THE INFORMATION AND RECOMMENDATIONS. BY CONTINUING TO USE THIS WEBSITE YOU ACKNOWLEDGE THAT WE HAVE NOT MADE ANY GUARANTEE OR ANY PARTICULAR RESULT. THEREFORE, FOLLOWING ANY INFORMATION OR RECOMMENDATIONS PROVIDED ON THIS WEBSITE SHOULD BE RELIED UPON AT YOUR OWN RISK.
INTELLECTUAL PROPERTY
FINANCIAL MOTIVATIONS OWNS THE CONTENT ON THE SITE, INCLUDING, BUT NOT LIMITED TO WRITTEN CONTENT, PRODUCTS, SERVICES, TEXT, PHOTOGRAPHS, ILLUSTRATIONS, IMAGES, DESIGNS, GRAPHICS, FILES, INFORMATION, INSTRUCTIONS, PRINCIPLES, DOWNLOADABLE PUBLICATIONS, DOWNLOADABLE PRODUCTS, SOUNDS, MUSIC, SALES COPY, ADVERTISING COPY, WEBSITE LAYOUT, WEBSITE DESIGN, ANY AND ALL DERIVATIVE WORKS OR ENHANCEMENTS OF THE CONTENT, THE COMPILATION, ASSEMBLY AND ARRANGEMENT OF THE COPYRIGHTABLE MATERIAL ON THIS SITE, AND ALL INTELLECTUAL PROPERTY RIGHTS TO THE CONTENT, INCLUDING DERIVATIVE WORKS ENHANCEMENTS COMPILATIONS ASSEMBLY AND ARRANGEMENTS, UNLESS OTHERWISE EXPRESSLY STATED ON THE SITE. BY ACCESSING OR USING THE SITE AND/OR CONTENT YOU DO NOT ACQUIRE ANY RIGHT TITLE OR INTEREST IN THE SITE OR THE CONTENT.
THIRD PARTY LINKS
THIS WEBSITE MAY CONTAIN LINKS TO THIRD-PARTY WEBSITES AND RESOURCES. YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE AVAILABILITY OF, ACCURACY, CONTENT OR POLICIES OF ANY THIRD-PARTY WEBSITES OR RESOURCES. IF THERE ARE LINKS TO OTHER WEBSITES AND RESOURCES THAT DOES NOT IMPLY THAT WE ARE IN ANY WAY ENDORSING OR AFFILIATED WITH THOSE THIRD PARTIES. YOU ACKNOWLEDGE AND ACCEPT SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF ANY OTHER WEBSITES OR RESOURCES.
PAYMENTS
YOU REPRESENT AND WARRANT THAT IF YOU ARE PURCHASING SOMETHING FROM US, (I) ANY CREDIT INFORMATION YOU SUPPLY IS TRUE AND COMPLETE, (II) CHARGES INCURRED BY YOU WILL BE HONORED BY YOUR BANK OR CREDIT CARD COMPANY, (III) YOU WILL PAY THE CHARGES INCURRED BY YOU AT THE POSTED PRICES, INCLUDING ANY APPLICABLE TAXES, AND (IV) IF YOUR INITIAL PAYMENT METHOD IS DISHONORED, YOU WILL STILL PAY THE INCURRED CHARGES, INCLUDING ANY SURCHARGE WE MAY INCUR DUE TO THE DISHONORED PAYMENT.
ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES
YOU AGREE TO BE BOUND BY ANY AFFIRMATION, ASSENT, OR AGREEMENT YOU TRANSMIT THROUGH THIS WEBSITE, INCLUDING BUT NOT LIMITED TO ANY CONSENT YOU GIVE TO RECEIVE COMMUNICATIONS FROM FINANCIAL MOTIVATIONS SOLELY THROUGH ELECTRONIC TRANSMISSION. YOU AGREE THAT WHEN IN THE FUTURE YOU CLICK ON AN “I AGREE,” “I CONSENT,” OR OTHER SIMILARLY WORDED “BUTTON” OR ENTRY FIELD WITH YOUR MOUSE, KEYSTROKE, OR OTHER COMPUTER DEVICE, YOUR AGREEMENT OR CONSENT WILL BE LEGALLY BINDING AND ENFORCEABLE AND THE LEGAL EQUIVALENT OF YOUR HANDWRITTEN SIGNATURE.
► TERMINATION OF GENERAL MEMBERSHIPS (This does not include the 1 yr mentorship contractual program)
YOUR MEMBERSHIP WITH US IS EFFECTIVE UNTIL TERMINATED BY YOU OR US. YOUR RIGHTS UNDER THESE TERMS AND CONDITIONS WILL TERMINATE WITHOUT OUR NOTICE IF YOU FAIL TO COMPLY WITH ANY TERM OF THESE TERMS AND CONDITIONS. UPON TERMINATION, YOU WILL STOP REPRESENTING YOURSELF AS A REGISTERED MEMBER OR CLIENT. YOU MUST DELETE OR DESTROY ANY INFORMATION OR CONTENT (INCLUDING ALL COPIES) OBTAINED FROM OUR WEBSITE. CERTAIN PROVISIONS OF THIS AGREEMENT, INCLUDING, BUT NOT LIMITED TO, COPYRIGHTS, INDEMNITY, TRADEMARKS, LIMITATION OF LIABILITY, WARRANTY, AND JURISDICTIONAL ISSUES WILL SURVIVE THE TERMINATION OF THIS AGREEMENT.
► FIX MY BROKEN VIRTUAL LIFE INSURANCE MENTORSHIP PROGRAM
There are three payment options for payment of the Product fee:
* One Single payment (due upon registration); or
* 12 monthly payments (*price varies depending on promotional period and enrollment level)
If you select the monthly payments option, you will pay your first payment at point of sale. You are responsible for all remaining payments.
This is a payment plan, not a monthly fee. You will be liable for all of the payments regardless of whether you continue to use the Program during the payment period.
If payments are not made on time, you agree to pay interest on all past-due sums at a rate of 24% per year compounding monthly (2% per month).
METHODS OF PAYMENT
If Customer elects to pay by monthly installments, Customer authorizes the Company to charge Customer’s credit card or debit card. If Customer elects to pay in full upon registration (option 1 above), Customer may pay by credit card or debit card.
You are responsible to ensure that the payments are made on time. If your account is beyond 30-days overdue, SJ reserves the right to turn over the account to collections with outstanding interests and accrued costs incurred in order to engage a Debt Recovery Mercantile Agency or a Solicitor to attend engaged by the company; in order to recover the outstanding amount due and payable.
REFUND POLICY
By choosing to purchase this program you understand and agree that YOUR PURCHASE IS NON-REFUNDABLE! You will receive immediate access to all program content.
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DISCLAIMER OF WARRANTY
YOU UNDERSTAND AND AGREE THAT THE SITE, IT'S CONTENT, AND THE INFORMATION, MATERIALS AND PRODUCTS ARE PROVIDED ON AN "AS IS" BASIS AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF TITLE, NONINFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE, ACCURACY, RELIABILITY, COMPLETENESS, CURRENTNESS, OR TIMELINESS OF THE CONTENT PROVIDED ON THE WEBSITE. YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THEY MAY RESULT FROM ACCESSING, USING OR DOWNLOADING ANY MATERIAL OR PRODUCT FROM THIS WEBSITE. WE DO NOT GUARANTEE THE SECURITY OF ANY INFORMATION TRANSMITTED TO OR FROM THE SITE OR THAT YOUR USE OR ACCESS TO THE WEBSITE OR IT'S CONTENT WILL BE ERROR-FREE OR VIRUS FREE. THESE DISCLAIMERS OF WARRANTY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. IN SOME JURISDICTIONS, THESE LIMITATIONS OF WARRANTIES ARE NOT PERMITTED AND MAY NOT APPLY TO YOU.
LIABILITY LIMITATIONS
YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, OR EXPENSE OF ANY KIND ARISING OUT OF OR RESULTING FROM YOUR POSSESSION OR USE OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE, REGARDLESS OF WHETHER SUCH LIABILITY IS BASED IN TORT, CONTRACT, OR OTHERWISE.
IN NO EVENT, INCLUDING, WITHOUT LIMITATION, A NEGLIGENT ACT, SHALL WE, OR ANY OF OUR PROVIDERS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY WAY RELATED TO THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY OTHER PRODUCTS, SERVICES, OR INFORMATION OFFERED, SOLD, OR DISPLAYED ON THIS SITE, YOUR USE OF, OR INABILITY TO USE, THIS SITE GENERALLY, OR OTHERWISE IN CONNECTION WITH THESE TERMS OF USE, REGARDLESS OF WHETHER WE, OR ANY OF OUR PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
AFFILIATE LINKS DISCLAIMER
SOME OF THE LINKS CONTAINED IN THIS WEBSITE MAY BE AFFILIATE LINKS. THIS MEANS THAT WE MAY RECEIVE A COMMISSION IF YOU CLICK ON THE LINK AND MAKE A PURCHASE FROM THE AFFILIATE. WE ONLY RECOMMEND PRODUCTS AND SERVICES KNOWN AND TRUSTED BY US, WHETHER AN AFFILIATE RELATIONSHIP EXISTS OR NOT.
INDEMNIFICATION
YOU AGREE AT ALL TIMES TO INDEMNIFY, DEFEND, AND HOLD HARMLESS FINANCIAL MOTIVATIONS AND ANY AFFILIATES, AGENTS, EMPLOYEES, SUCCESSORS, ASSIGNEES, ASSOCIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, AND EMPLOYEES FROM AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DAMAGES, LIABILITIES, COSTS AND EXPENSES, INCLUDING LEGAL FEES AND EXPENSES, ARISING OUT OF OR RELATED IN ANY WAY TO YOUR USE OF THE SITE, OR BREACH OF ANY OBLIGATION, WARRANTY OR REPRESENTATION SET FORTH IN THESE TERMS OF USE.
CONTROLLING LAW & JURISDICTION
THIS AGREEMENT IS GOVERNED BY AND SHALL BE CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF TENNESSEE, AND IN THE EVENT OF ANY DISPUTE ARISING IN RELATION TO THIS AGREEMENT OR ANY DISPUTE ARISING IN RELATION TO THE SITE WHETHER IN CONTRACT OR TORT OR OTHERWISE THE STATE OF ILLINOIS COURTS WILL HAVE EXCLUSIVE JURISDICTION OVER THE DISPUTE, UNLESS MANDATORY APPLICABLE LAWS REQUIRE OTHERWISE.
ENTIRE AGREEMENT
THIS TERMS OF USE AGREEMENT CONSTITUTES THE ENTIRE AGREEMENT BETWEEN FINANCIAL MOTIVATIONSAND YOU WITH RESPECT TO THE SITE, AND IT SUPERSEDES ALL PRIOR OR CONTEMPORANEOUS COMMUNICATIONS AND PROPOSALS, WHETHER ELECTRONIC, ORAL, OR WRITTEN, BETWEEN YOU AND FINANCIAL MOTIVATIONS WITH RESPECT TO THIS WEBSITE.
A PRINTED VERSION OF THIS TERMS OF USE AGREEMENT AND OF ANY NOTICE GIVEN IN ELECTRONIC FORM SHALL BE ADMISSIBLE IN JUDICIAL OR ADMINISTRATIVE PROCEEDINGS BASED ON OR RELATING TO THIS TERMS OF USE AGREEMENT TO THE SAME EXTENT AND SUBJECT TO THE SAME CONDITIONS AS OTHER BUSINESS DOCUMENTS AND RECORDS ORIGINALLY GENERATED AND MAINTAINED IN PRINTED FORM.
CHANGES TO OUR TERMS AND CONDITIONS
WE RESERVE THE RIGHT TO CHANGE THESE TERMS AND CONDITIONS AT ANY TIME BY GIVING YOU ADVANCE NOTICE OF THE CHANGES BY EMAIL OR IN WRITING. WE WILL ALSO POST THESE CHANGES ON OUR WEBSITE. THESE CHANGES WILL BECOME EFFECTIVE 30 DAYS AFTER RECEIPT OF THE NOTICE. TO AVOID DOUBT, NO UNILATERAL AMENDMENT WILL RETROACTIVELY CHANGE AGREED DISPUTE-RESOLUTION PROVISIONS OF THESE TERMS AND CONDITIONS, IF ANY, INCLUDING, FOR EXAMPLE, ARBITRATION PROVISIONS FOR THEN-PENDING DISPUTES UNLESS THE PARTIES EXPRESSLY AGREE OTHERWISE. YOUR CONTINUED USE OF OUR WEBSITE, SERVICES, AND PRODUCTS AFTER ANY CHANGE TO THESE TERMS AND CONDITIONS AND OUR NOTIFYING YOU WILL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGE. IF YOU DO NOT AGREE WITH THE CHANGES TO THESE TERMS AND CONDITIONS, YOU CAN CHOOSE TO DISCONTINUE THE USE OF OUR WEBSITE, SERVICES, AND PRODUCTS.
USE OF OR COPYING FROM THIS SITE IS SUBJECT TO OUR TERMS OF USE. PLEASE READ OUR PRIVACY POLICY.
Privacy Policy
FINANCIAL MOTIVATIONS CONSULTING
1820 Ridge Rd
Homewood, IL 60430
INFO@FINANCIALMOTIVATIONS.COM
THIS DOCUMENT GOVERNS THE PRIVACY NOTICE OF OUR WEBSITES:
- FINANCIALMOTIVATIONSCONSULTING.COM
- COURSES.FINANCIALMOTIVATIONS.COM
- MOTIVATING YOUR MONEY
AT FINANCIAL MOTIVATIONS WE ARE COMMITTED TO RESPECTING YOUR PRIVACY CHOICES AND BEING TRANSPARENT ABOUT WHAT INFORMATION WE COLLECT FROM YOU AND HOW WE USE THAT INFORMATION. WE DO NOT SHARE, SELL, LICENSE, TRADE, OR READ YOUR PERSONAL INFORMATION TO OTHERS EXCEPT IN THE WAYS EXPLAINED IN THIS PRIVACY POLICY.
THE PURPOSE OF THE PRIVACY POLICY IS TO HELP YOU UNDERSTAND:
* WHAT PERSONAL DATA (PD) AND NON-PERSONAL DATA (NPD) WE MAY COLLECT FROM YOU
* HOW WE COLLECT IT
* HOW WE PROTECT IT
* HOW WE MAY SHARE IT
* HOW YOU CAN ACCESS AND CHANGE IT
* HOW YOU CAN LIMIT OUR SHARING OF IT.
OUR PRIVACY NOTICE ALSO EXPLAINS CERTAIN LEGAL RIGHTS THAT YOU HAVE WITH RESPECT TO YOUR PERSONAL DATA.
YOUR CONSENT TO THIS PRIVACY POLICY
BY USING THIS WEBSITE YOU CONSENT TO THE TERMS OF THIS PRIVACY POLICY.
YOUR RIGHTS
WHEN USING OUR WEBSITE AND SUBMITTING PERSONAL DATA TO US, YOU MAY HAVE CERTAIN RIGHTS UNDER THE GENERAL DATA PROTECTION REGULATION (GDPR) AND OTHER LAWS. DEPENDING ON THE LEGAL BASIS FOR PROCESSING YOUR PERSONAL DATA, YOU MAY HAVE SOME OR ALL OF THE FOLLOWING RIGHTS:
THE RIGHT TO BE INFORMED
YOU HAVE THE RIGHT TO BE INFORMED ABOUT THE PERSONAL DATA WE COLLECT FROM YOU, AND HOW WE PROCESS IT.
THE RIGHT OF ACCESS
YOU HAVE THE RIGHT TO GET CONFIRMATION THAT YOUR PERSONAL DATA IS BEING PROCESSED AND HAVE THE ABILITY TO ACCESS YOUR PERSONAL DATA.
THE RIGHT TO RECTIFICATION
YOU HAVE THE RIGHT TO HAVE YOUR PERSONAL DATA CORRECTED IF IT IS INACCURATE OR INCOMPLETE.
THE RIGHT TO ERASURE (RIGHT TO BE FORGOTTEN)
YOU HAVE THE RIGHT TO REQUEST THE REMOVAL OR DELETION OF YOUR PERSONAL DATA IF THERE IS NO COMPELLING REASON FOR US TO CONTINUE PROCESSING IT.
THE RIGHT TO RESTRICT PROCESSING
YOU HAVE A RIGHT TO ‘BLOCK’ OR RESTRICT THE PROCESSING OF YOUR PERSONAL DATA. WHEN YOUR PERSONAL DATA IS RESTRICTED, WE ARE PERMITTED TO STORE YOUR DATA, BUT NOT TO PROCESS IT FURTHER.
THE RIGHT TO DATA PORTABILITY
YOU HAVE THE RIGHT TO REQUEST AND GET YOUR PERSONAL DATA THAT YOU PROVIDED TO US AND USE IT FOR YOUR OWN PURPOSES. WE WILL PROVIDE YOUR DATA TO YOU WITHIN 30 DAYS OF YOUR REQUEST. TO REQUEST YOUR PERSONAL DATA, PLEASE CONTACT US USING THE INFORMATION AT THE TOP OF THIS PRIVACY NOTICE.
THE RIGHT TO OBJECT
YOU HAVE THE RIGHT TO OBJECT TO US PROCESSING YOUR PERSONAL DATA FOR THE FOLLOWING REASONS:
* PROCESSING WAS BASED ON LEGITIMATE INTERESTS OR THE PERFORMANCE OF A TASK IN THE PUBLIC INTEREST/EXERCISE OF OFFICIAL AUTHORITY (INCLUDING PROFILING);
DIRECT MARKETING (INCLUDING PROFILING); AND
PROCESSING FOR PURPOSES OF SCIENTIFIC/HISTORICAL RESEARCH AND STATISTICS.
* RIGHTS IN RELATION TO AUTOMATED DECISION-MAKING AND PROFILING.
AUTOMATED INDIVIDUAL DECISION-MAKING AND PROFILING
YOU WILL HAVE THE RIGHT NOT TO BE SUBJECT TO A DECISION BASED SOLELY ON AUTOMATED PROCESSING, INCLUDING PROFILING, WHICH PRODUCES LEGAL EFFECTS CONCERNING YOU OR SIMILARLY SIGNIFICANTLY AFFECTS YOU.
FILING A COMPLAINT WITH AUTHORITIES
YOU HAVE THE RIGHT TO FILE A COMPLAINT WITH SUPERVISORY AUTHORITIES IF YOUR INFORMATION HAS NOT BEEN PROCESSED IN COMPLIANCE WITH THE GENERAL DATA PROTECTION REGULATION. IF THE SUPERVISORY AUTHORITIES FAIL TO ADDRESS YOUR COMPLAINT PROPERLY, YOU MAY HAVE THE RIGHT TO A JUDICIAL REMEDY.
FOR DETAILS ABOUT YOUR RIGHTS UNDER THE LAW, VISIT HTTPS://GOO.GL/NSVVYU
WHAT INFORMATION DOES FINANCIAL MOTIVATIONS COLLECT?
WE COLLECT TWO TYPES OF INFORMATION PERSONAL DATA (PD) AND NON-PERSONAL DATA (NPD). GENERALLY SPEAKING, YOU CAN VISIT THIS WEBSITE WITHOUT IDENTIFYING WHO YOU ARE OR REVEALING ANY INFORMATION ABOUT YOURSELF.
‘PERSONAL DATA’ (PD) MEANS ANY INFORMATION RELATING TO AN IDENTIFIED OR IDENTIFIABLE NATURAL PERSON (‘DATA SUBJECT’); AN IDENTIFIABLE NATURAL PERSON IS ONE WHO CAN BE IDENTIFIED, DIRECTLY OR INDIRECTLY, BY REFERENCE TO AN IDENTIFIER SUCH AS A NAME, AN IDENTIFICATION NUMBER, LOCATION DATA, AN ONLINE IDENTIFIER OR TO ONE OR MORE FACTORS SPECIFIC TO THE PHYSICAL, PHYSIOLOGICAL, GENETIC, MENTAL, ECONOMIC, CULTURAL OR SOCIAL IDENTITY OF THAT NATURAL PERSON. PD IS IN MANY WAYS THE SAME AS PERSONALLY IDENTIFIABLE INFORMATION (PII). HOWEVER, PD IS BROADER IN SCOPE AND COVERS MORE DATA.
‘NON-PERSONAL DATA’ (NPD) IS INFORMATION THAT IS IN NO WAY PERSONALLY IDENTIFIABLE. FOR EXAMPLE, A SITE MAY RECORD THE NUMBER OF VISITS TO A PARTICULAR PAGE THAT OCCUR IN A GIVEN PERIOD OF TIME, BUT THAT DOES NOT NECESSARILY PROVIDE THE NAMES OR OTHER IDENTIFYING INFORMATION OF EACH VISITOR.
WHEN YOU SUBSCRIBE TO OUR NEWSLETTER, PLACE AN ORDER FOR OUR PRODUCTS OR SERVICES, OR ENROLL IN ONE OF OUR COURSES, WE COLLECT CERTAIN INFORMATION TO PROCESS YOUR REQUEST FOR INFORMATION AND/OR PRODUCTS/SERVICES.
A “VISITOR” IS SOMEONE WHO MERELY BROWSES OUR WEBSITE. A “MEMBER” IS SOMEONE WHO HAS REGISTERED WITH US TO USE OR BUY OUR SERVICES AND PRODUCTS. THE TERM “USER” IS A COLLECTIVE IDENTIFIER THAT REFERS TO EITHER A VISITOR OR A MEMBER.
INFORMATION WE COLLECT
GENERALLY, YOU CONTROL THE AMOUNT AND TYPE OF INFORMATION THAT YOU PROVIDE TO US WHEN USING OUR WEBSITE.
OUR LEGAL BASIS FOR COLLECTING AND PROCESSING YOUR PD IS BASED ON CONSENT.
WHEN YOU ENTER AND USE OUR WEBSITE AND AGREE TO ACCEPT COOKIES, SOME OF THESE COOKIES MAY CONTAIN YOUR PD.
WHAT ARE COOKIES AND HOW ARE THEY USED?
COOKIES ARE SMALL DATA FILES, TYPICALLY MADE UP OF A STRING OF TEXT, THAT ASSIGN YOU A UNIQUE IDENTIFIER. THIS INFORMATION ENABLES OUR WEBSITE TO RECEIVE INFORMATION FROM YOUR COMPUTER TO PROVIDE A MORE TAILORED AND USER-FRIENDLY EXPERIENCE FOR YOU.
BY AGREEING TO ACCEPT OUR USE OF COOKIES, YOU ARE GIVING US, AND THIRD PARTIES WE PARTNER WITH, PERMISSION TO PLACE, STORE, AND ACCESS SOME OR ALL THE COOKIES DESCRIBED BELOW ON YOUR COMPUTER.
STRICTLY NECESSARY COOKIES
THESE COOKIES ARE NECESSARY FOR PROPER FUNCTIONING OF THE WEBSITE, SUCH AS DISPLAYING CONTENT, LOGGING IN, VALIDATING YOUR SESSION, RESPONDING TO YOUR REQUEST FOR SERVICES, AND OTHER FUNCTIONS. MOST WEB BROWSERS CAN BE SET TO DISABLE THE USE OF COOKIES. HOWEVER, IF YOU DISABLE THESE COOKIES, YOU MAY NOT BE ABLE TO ACCESS FEATURES ON OUR WEBSITE CORRECTLY OR AT ALL.
PERFORMANCE COOKIES
THESE COOKIES COLLECT INFORMATION ABOUT THE USE OF THE WEBSITE, SUCH AS PAGES VISITED, TRAFFIC SOURCES, USERS’ INTERESTS, CONTENT MANAGEMENT, AND OTHER WEBSITE MEASUREMENTS.
FUNCTIONAL COOKIES
THESE COOKIES ENABLE THE WEBSITE TO REMEMBER A USER’S CHOICES – SUCH AS THEIR LANGUAGE, USER NAME, AND OTHER PERSONAL CHOICES – WHILE USING THE WEBSITE. THEY CAN ALSO BE USED TO DELIVER SERVICES, SUCH AS LETTING A USER MAKE A BLOG POST, LISTEN TO AUDIO, OR WATCH VIDEOS ON THE WEBSITE.
MEDIA COOKIES
THESE COOKIES CAN BE USED TO IMPROVE A WEBSITE’S PERFORMANCE AND PROVIDE SPECIAL FEATURES AND CONTENT. THEY CAN BE PLACED BY THIRD PARTIES WHO PROVIDE SERVICES TO US OR BY OUR COMPANY.
ADVERTISING OR TARGETING COOKIES
THESE COOKIES ARE USUALLY PLACED AND USED BY ADVERTISING COMPANIES TO DEVELOP A PROFILE OF YOUR BROWSING INTERESTS AND SERVE ADVERTISEMENTS ON OTHER WEBSITES THAT ARE RELATED TO YOUR INTERESTS. YOU WILL SEE LESS ADVERTISING IF YOU DISABLE THESE COOKIES.
SESSION COOKIES
THESE COOKIES ALLOW WEBSITES TO LINK THE ACTIONS OF A USER DURING A BROWSER SESSION. THEY MAY BE USED FOR A VARIETY OF PURPOSES, SUCH AS REMEMBERING WHAT A USER HAS PUT IN THEIR SHOPPING CART AS THEY BROWSE A WEBSITE. SESSION COOKIES ALSO PERMIT USERS TO BE RECOGNIZED AS THEY NAVIGATE A WEBSITE SO THAT ANY ITEM OR PAGE CHANGES THEY MAKE ARE REMEMBERED FROM PAGE TO PAGE. SESSION COOKIES EXPIRE AFTER A BROWSER SESSION; THUS, THEY ARE NOT STORED LONG TERM.
PERSISTENT COOKIES
THESE COOKIES ARE STORED ON A USER’S DEVICE IN BETWEEN BROWSER SESSIONS, WHICH ALLOWS THE USER’S PREFERENCES OR ACTIONS ACROSS A SITE (OR, IN SOME CASES, ACROSS DIFFERENT SITES) TO BE REMEMBERED. PERSISTENT COOKIES MAY BE USED FOR A VARIETY OF PURPOSES, INCLUDING REMEMBERING USERS’ CHOICES AND PREFERENCES WHEN USING A WEBSITE OR TO TARGET ADVERTISING TO THEM.
WE MAY ALSO USE COOKIES FOR:
* IDENTIFYING THE AREAS OF OUR WEBSITE THAT YOU HAVE VISITED
* PERSONALIZING CONTENT THAT YOU SEE ON OUR WEBSITE
* OUR WEBSITE ANALYTICS
* REMARKETING OUR PRODUCTS OR SERVICES TO YOU
* REMEMBERING YOUR PREFERENCES, SETTINGS, AND LOGIN DETAILS
* TARGETED ADVERTISING AND SERVING ADS RELEVANT TO YOUR INTERESTS
* AFFILIATE MARKETING
* ALLOWING YOU TO POST COMMENTS
* ALLOWING YOU TO SHARE CONTENT WITH SOCIAL NETWORKS
MOST WEB BROWSERS CAN BE SET TO DISABLE THE USE OF COOKIES. HOWEVER, IF YOU DISABLE COOKIES, YOU MAY NOT BE ABLE TO ACCESS FEATURES ON OUR WEBSITE CORRECTLY OR AT ALL.
WE AUTOMATICALLY RECEIVE INFORMATION FROM YOUR WEB BROWSER OR MOBILE DEVICE. THIS INFORMATION INCLUDES THE NAME OF THE WEBSITE FROM WHICH YOU ENTERED OUR WEBSITE, IF ANY, AS WELL AS THE NAME OF THE WEBSITE YOU’LL VISIT WHEN YOU LEAVE OUR WEBSITE. THIS INFORMATION ALSO INCLUDES THE IP ADDRESS OF YOUR COMPUTER/THE PROXY SERVER YOU USE TO ACCESS THE INTERNET, YOUR INTERNET SERVICE PROVIDER’S NAME, YOUR WEB BROWSER TYPE, THE TYPE OF MOBILE DEVICE, YOUR COMPUTER OPERATING SYSTEM, AND DATA ABOUT YOUR BROWSING ACTIVITY WHEN USING OUR WEBSITE. WE USE ALL THIS INFORMATION TO ANALYZE TRENDS AMONG OUR USERS TO HELP IMPROVE OUR WEBSITE.
HOW DOES FINANCIAL MOTIVATIONS USE THE INFORMATION WE COLLECT?
NON-PERSONAL DATA (NPD)
WE MAY USE NON-PERSONALLY IDENTIFIABLE INFORMATION, LIKE DATA ABOUT THE MOST VISITED SITE PAGES OR THE DURATION OF CERTAIN SITE PAGE VISITS THAT ARE NOT TIED TO A SPECIFIC SITE USER, TO MAINTAIN, IMPROVE, AND PROTECT OUR SITE AND OUR PRODUCT AND SERVICE OFFERINGS.
PERSONAL DATA (PD)
WHEN YOU SIGN UP FOR OUR NEWSLETTER, WE USE THE NAME AND EMAIL ADDRESS THAT YOU PROVIDED TO SUBSCRIBE TO OUR NEWSLETTER AND/OR OUR EMAIL LIST. WE WILL SEND YOU PERIODIC NEWSLETTERS AND/OR EMAILS. WE STORE THE NAME AND EMAIL ADDRESS THAT YOU PROVIDED IN AN SSL ENCRYPTED DATABASE.
WHEN YOU PURCHASE A DIGITAL PRODUCT OR OUR SERVICES WE USE THE PERSONAL INFORMATION YOU PROVIDE TO PROCESS THE TRANSACTION AND DELIVER YOUR DIGITAL PRODUCT AND/OR SERVICE, AND TO PROVIDE YOU CUSTOMER SERVICE AS NECESSARY. WE STORE THIS INFORMATION IN AN SSL ENCRYPTED DATABASE.
SOCIAL MEDIA WIDGETS
OUR WEBSITE INCLUDES SEVERAL SOCIAL MEDIA FEATURES, INCLUDING {FACEBOOK, TWITTER, PINTEREST, GOOGLE+, YOUTUBE, INSTAGRAM, LINKEDIN, ETC.} BUTTONS. THESE FEATURES MAY COLLECT YOUR IP ADDRESS, THE PAGES YOU ARE VISITING ON OUR SITE, AND MAY SET A COOKIE TO ENABLE THE FEATURE TO FUNCTION PROPERLY. THESE FEATURES AND WIDGETS ARE EITHER HOSTED BY A THIRD PARTY OR HOSTED DIRECTLY ON OUR SITE. YOUR INTERACTIONS WITH THESE FEATURES AND WIDGETS ARE GOVERNED BY THE PRIVACY POLICY OF THE COMPANY PROVIDING THE FEATURES.
WEBSITE CHAT SOFTWARE
OUR WEBSITE CONTAINS CHAT SOFTWARE THAT ENABLE VISITORS TO COMMUNICATE WITH US LIVE ONLINE OR OFFLINE BY EMAIL. IN SOME CASES, VISITORS CAN COMMUNICATE WITH US WITHOUT BECOMING A MEMBER OR BUYING OUR PRODUCTS AND SERVICES. WHEN YOU USE THIS CHAT SOFTWARE, WE MAY COLLECT SOME OR ALL THE FOLLOWING INFORMATION: YOUR EMAIL ADDRESS, FIRST NAME, LAST NAME, LOCATION, AND ANY OTHER INFORMATION YOU WILLINGLY CHOOSE TO PROVIDE TO US. YOU SHOULD LIMIT THE INFORMATION YOU PROVIDE TO US THAT IS ONLY NECESSARY TO ANSWER YOUR QUESTIONS.
WHAT HAPPENS IF YOU DON’T GIVE US YOUR PD?
IF YOU DO NOT PROVIDE US WITH ENOUGH PD, WE MAY NOT BE ABLE TO PROVIDE YOU WITH ALL OUR PRODUCTS AND SERVICES. HOWEVER, YOU CAN ACCESS AND USE SOME PARTS OF OUR WEBSITE WITHOUT GIVING US YOUR PD.
IS MY PERSONAL DATA SECURE?
THE SECURITY OF YOUR PERSONAL DATA IS EXTREMELY IMPORTANT TO FSM. WE USE STRIPE TO PROCESS YOUR PURCHASES OF OUR PRODUCTS AND SERVICES. YOUR INFORMATION IS STORED IN AN SSL ENCRYPTED DATABASE.
BE SURE TO KEEP IN MIND THE NO METHOD OF TRANSMISSION OVER THE INTERNET OR METHOD OF ELECTRONIC OR PHYSICAL SERVER STORAGE IS 100% SECURE. WHILE WE VALUE THE PRIVACY AND SECURITY OF YOUR PERSONAL INFORMATION, WE CANNOT GUARANTEE AGAINST OR PREVENT POTENTIAL SECURITY BREACHES, NOR CAN WE ASSURE YOU THAT THE PERSONAL DATA THAT YOU PROVIDE US WILL NEVER BE DISCLOSED IN A MANNER INCONSISTENT WITH THIS PRIVACY POLICY.
IF YOU HAVE ANY REASON TO BELIEVE THAT THE SECURITY OF YOUR INFORMATION HAS BEEN COMPROMISED, PLEASE EMAIL US IMMEDIATELY AT INFO@FINANCIALMOTIVATIONS.COM
GOOGLE AD AND CONTENT NETWORK PRIVACY NOTICE
THIRD-PARTY VENDORS, INCLUDING GOOGLE, USE COOKIES TO SERVE ADS BASED ON A USER’S PAST VISITS TO OUR WEBSITE. GOOGLE’S USE OF THE DOUBLECLICK COOKIE ENABLES IT AND ITS PARTNERS TO SERVE ADS TO OUR USERS BASED ON THEIR VISITS TO OUR SITE AND/OR OTHER SITES ON THE INTERNET. USERS MAY OPT OUT OF THE USE OF THE DOUBLECLICK COOKIE FOR INTEREST-BASED ADVERTISING BY VISITING HTTP://WWW.ABOUTADS.INFO/CHOICES/
FOR EUROPEAN USERS VISIT HTTP://WWW.YOURONLINECHOICES.EU
GOOGLE ANALYTICS PRIVACY NOTICE
OUR WEBSITE USES GOOGLE ANALYTICS TO COLLECT INFORMATION ABOUT THE USE OF OUR WEBSITE. GOOGLE ANALYTICS COLLECTS INFORMATION FROM USERS SUCH AS AGE, GENDER, INTERESTS, DEMOGRAPHICS, HOW OFTEN THEY VISIT OUR WEBSITE, WHAT PAGES THEY VISIT, AND WHAT OTHER WEBSITES THEY HAVE USED BEFORE COMING TO OUR WEBSITE. WE USE THE INFORMATION WE GET FROM GOOGLE ANALYTICS TO ANALYZE TRAFFIC, REMARKET OUR PRODUCTS AND SERVICES TO USERS, IMPROVE OUR MARKETING, ADVERTISING, AND TO IMPROVE OUR WEBSITE. WE HAVE ENABLED GOOGLE ANALYTICS ADVERTISING FEATURES SUCH AS REMARKETING WITH GOOGLE ANALYTICS, GOOGLE DISPLAY NETWORK IMPRESSION REPORTING, AND GOOGLE ANALYTICS DEMOGRAPHICS AND INTEREST REPORTING. GOOGLE ANALYTICS COLLECTS ONLY THE IP ADDRESS ASSIGNED TO YOU ON THE DATE YOU VISIT OUR WEBSITE, NOT YOUR NAME OR OTHER IDENTIFYING INFORMATION. WE DO NOT COMBINE THE INFORMATION COLLECTED USING GOOGLE ANALYTICS WITH PD. ALTHOUGH GOOGLE ANALYTICS PLANTS A PERMANENT COOKIE ON YOUR WEB BROWSER TO IDENTIFY YOU AS A UNIQUE USER THE NEXT TIME YOU VISIT OUR WEBSITE, THE COOKIE CANNOT BE USED BY ANYONE BUT GOOGLE. GOOGLE ALSO USES SPECIFIC IDENTIFIERS TO HELP COLLECT INFORMATION ABOUT THE USE OF OUR WEBSITE. FOR MORE INFORMATION ON HOW GOOGLE COLLECTS AND PROCESSES YOUR DATA, VISIT HTTPS://WWW.GOOGLE.COM/POLICIES/PRIVACY/PARTNERS/
YOU CAN PREVENT GOOGLE ANALYTICS FROM USING YOUR INFORMATION BY OPTING OUT AT THIS LINK: HTTPS://TOOLS.GOOGLE.COM/DLPAGE/GAOPTOUT
GOOGLE REMARKETING
WHY AM I SEEING ADS BY GOOGLE FOR PRODUCTS I’VE VIEWED?
OUR WEBSITE USES A REMARKETING ADVERTISING SERVICE. OUR REMARKETING SERVICE IS PROVIDED BY GOOGLE AND OTHER COMPANIES THAT SHOW OUR ADS ON WEBSITES ACROSS THE INTERNET. WITH REMARKETING YOU MAY SEE ADS FOR OUR PRODUCTS YOU HAVE PREVIOUSLY LOOKED AT. AS AN EXAMPLE, SUPPOSE YOU VISIT A WEBSITE THAT SELLS COMPUTERS, BUT YOU DO NOT BUY A COMPUTER ON YOUR FIRST VISIT TO THAT WEBSITE. THE WEBSITE’S OWNER MIGHT LIKE TO ENCOURAGE YOU TO REVISIT HIS/HER SITE AND BUY A COMPUTER BY SHOWING YOU HIS/HER ADS AGAIN ON OTHER WEBSITES THAT YOU VISIT. WE USE REMARKETING FOR SIMILAR PURPOSES. FOR THIS TO HAPPEN, GOOGLE WILL READ A COOKIE THAT IS ALREADY IN YOUR BROWSER, OR THEY PLACE A COOKIE IN YOUR BROWSER WHEN YOU VISIT OUR SITE OR OTHER SITES USING REMARKETING. YOU CAN OPT OUT OF GOOGLE’S USE OF COOKIES AND REMARKETING AT THIS LINK: HTTPS://SUPPORT.GOOGLE.COM/ADS/ANSWER/2662922?HL=E...
OR YOU CAN OPT OUT USING THE NETWORK ADVERTISING INITIATIVE OPT OUT PAGE AT: HTTP://OPTOUT.NETWORKADVERTISING.ORG/#!/
FACEBOOK REMARKETING
THIRD PARTIES, INCLUDING FACEBOOK, MAY USE COOKIES, WEB BEACONS, AND OTHER STORAGE TECHNOLOGIES TO COLLECT OR RECEIVE INFORMATION FROM OUR WEBSITE AND ELSEWHERE ON THE INTERNET, AND USE THAT INFORMATION TO PROVIDE MEASUREMENT SERVICES AND TARGET ADS. WITH FACEBOOK REMARKETING YOU MAY SEE OUR ADS ON FACEBOOK AFTER YOU HAVE VISITED OUR SITE. FOR THIS TO HAPPEN, FACEBOOK USES A CUSTOM AUDIENCE PIXEL THAT IS ACTIVATED WHEN A VISITOR LANDS ON A WEBPAGE AND A UNIQUE “COOKIE” IS PLACED IN THEIR BROWSER. FACEBOOK LOOKALIKE AUDIENCE TARGETING ALLOWS US TO SHOW ADS ON FACEBOOK TO PEOPLE WHO ARE SIMILAR TO THOSE WHO HAVE ALREADY VISITED OR MADE A PURCHASE FROM OUR WEBSITE. TO OPT OUT OF FACEBOOK’S COLLECTION AND USE OF INFORMATION FOR AD TARGETING VISIT: HTTPS://WWW.FACEBOOK.COM/HELP/568137493302217
DOES FINANCIAL MOTIVATIONSSHARE MY PERSONAL DATA WITH THIRD PARTIES?
WE DO NOT SELL OR RENT YOUR PD TO THIRD PARTIES FOR MARKETING PURPOSES. HOWEVER, FOR DATA AGGREGATION PURPOSES WE MAY USE YOUR NPD, WHICH MIGHT BE SOLD TO OTHER PARTIES AT OUR DISCRETION. ANY SUCH DATA AGGREGATION WOULD NOT CONTAIN ANY OF YOUR PD. WE MAY PROVIDE YOUR PD TO THIRD-PARTY SERVICE PROVIDERS WE HIRE TO PROVIDE SERVICES TO US. THESE THIRD-PARTY SERVICE PROVIDERS MAY INCLUDE BUT ARE NOT LIMITED TO: PAYMENT PROCESSORS, WEB ANALYTICS COMPANIES, ADVERTISING NETWORKS, CALL CENTERS, DATA MANAGEMENT SERVICES, HELP DESK PROVIDERS, ACCOUNTANTS, LAW FIRMS, AUDITORS, SHOPPING CART AND EMAIL SERVICE PROVIDERS, AND SHIPPING COMPANIES.
SHARING INFORMATION WITH FACEBOOK AND GOOGLE FOR MARKETING PURPOSES
WE MAY SHARE YOUR PD WITH THIRD PARTIES FOR SIMILAR AUDIENCE MARKETING PURPOSES. SIMILAR AUDIENCE MARKETING IS ALSO CALLED LOOKALIKE AUDIENCE MARKETING. THE THIRD PARTIES WE SHARE YOUR PD WITH FOR THIS TYPE OF MARKETING INCLUDE FACEBOOK AND/OR GOOGLE. USING YOUR PD, FOR SIMILAR AUDIENCE MARKETING OR LOOKALIKE AUDIENCE MARKETING HELPS US FIND NEW AUDIENCES (USERS AND CUSTOMERS) BASED ON SIMILAR INTERESTS TO YOURS, THIS HELPS US IMPROVE OUR MARKETING SERVICES. YOUR PD IS ONLY SHARED WITH FACEBOOK AND GOOGLE FOR THIS TYPE OF MARKETING. BY USING OUR WEBSITE AND AGREEING TO OUR PRIVACY NOTICE, YOU ARE GIVING YOUR CONSENT FOR YOUR PD TO BE USED FOR THE MARKETING PURPOSES DESCRIBED WITHIN THIS SECTION.
LEGALLY REQUIRED RELEASES OF INFORMATION
WE MAY BE LEGALLY REQUIRED TO DISCLOSE YOUR PD IF SUCH DISCLOSURE IS (A) REQUIRED BY SUBPOENA, LAW, OR OTHER LEGAL PROCESS; (B) NECESSARY TO ASSIST LAW ENFORCEMENT OFFICIALS OR GOVERNMENT ENFORCEMENT AGENCIES; (C) NECESSARY TO INVESTIGATE VIOLATIONS OF OR OTHERWISE ENFORCE OUR LEGAL TERMS; (D) NECESSARY TO PROTECT US FROM LEGAL ACTION OR CLAIMS FROM THIRD PARTIES, INCLUDING YOU AND/OR OTHER USERS OR MEMBERS; OR (E) NECESSARY TO PROTECT THE LEGAL RIGHTS, PERSONAL/REAL PROPERTY, OR PERSONAL SAFETY OF OUR COMPANY, USERS, EMPLOYEES, AND AFFILIATES.
COMMUNITY DISCUSSION BOARDS
OUR WEBSITE MAY OFFER THE ABILITY FOR USERS TO COMMUNICATE WITH EACH OTHER THROUGH ONLINE COMMUNITY DISCUSSION BOARDS OR OTHER MECHANISMS. WE DO NOT FILTER OR MONITOR WHAT IS POSTED ON SUCH DISCUSSION BOARDS. IF YOU CHOOSE TO POST ON THESE DISCUSSION BOARDS, YOU SHOULD USE CARE WHEN EXPOSING ANY PD, AS SUCH INFORMATION IS NOT PROTECTED BY OUR PRIVACY NOTICE NOR ARE WE LIABLE IF YOU CHOOSE TO DISCLOSE YOUR PD THROUGH SUCH POSTINGS. ALSO, PD YOU POST ON OUR WEBSITE FOR PUBLICATION MAY BE AVAILABLE WORLDWIDE BY MEANS OF THE INTERNET. WE CANNOT PREVENT THE USE OR MISUSE OF SUCH INFORMATION BY OTHERS.
RETAINING AND DESTROYING YOUR PD
WE RETAIN INFORMATION THAT WE COLLECT FROM YOU (INCLUDING YOUR PD) ONLY FOR AS LONG AS WE NEED IT FOR LEGAL, BUSINESS, OR TAX PURPOSES. YOUR INFORMATION MAY BE RETAINED IN ELECTRONIC FORM, PAPER FORM, OR A COMBINATION OF BOTH. WHEN YOUR INFORMATION IS NO LONGER NEEDED, WE WILL DESTROY, DELETE, OR ERASE IT.
UPDATING YOUR PD
YOU CAN UPDATE YOUR PD USING SERVICES FOUND ON OUR WEBSITE. IF NO SUCH SERVICES EXIST, YOU CAN CONTACT US USING THE CONTACT INFORMATION FOUND AT THE TOP OF THIS PRIVACY NOTICE AND WE WILL HELP YOU. HOWEVER, WE MAY KEEP YOUR PD AS NEEDED TO ENFORCE OUR AGREEMENTS AND TO COMPLY WITH ANY LEGAL OBLIGATIONS.
REVOKING YOUR CONSENT FOR USING YOUR PD
YOU HAVE THE RIGHT TO REVOKE YOUR CONSENT FOR US TO USE YOUR PD AT ANY TIME. SUCH AN OPTOUT WILL NOT AFFECT DISCLOSURES OTHERWISE PERMITTED BY LAW INCLUDING BUT NOT LIMITED TO: (I) DISCLOSURES TO AFFILIATES AND BUSINESS PARTNERS, (II) DISCLOSURES TO THIRD-PARTY SERVICE PROVIDERS THAT PROVIDE CERTAIN SERVICES FOR OUR BUSINESS, SUCH AS CREDIT CARD PROCESSING, COMPUTER SYSTEM SERVICES, SHIPPING, DATA MANAGEMENT SERVICES, (III) DISCLOSURES TO THIRD PARTIES AS NECESSARY TO FULFILL YOUR REQUESTS, (IV) DISCLOSURES TO GOVERNMENTAL AGENCIES OR LAW ENFORCEMENT DEPARTMENTS, OR AS OTHERWISE REQUIRED TO BE MADE UNDER APPLICABLE LAW, (V) PREVIOUSLY COMPLETED DISCLOSURES TO THIRD PARTIES, OR (VI) DISCLOSURES TO THIRD PARTIES IN CONNECTION WITH SUBSEQUENT CONTESTS OR PROMOTIONS YOU MAY CHOOSE TO ENTER, OR THIRD-PARTY OFFERS YOU MAY CHOOSE TO ACCEPT. IF YOU WANT TO REVOKE YOUR CONSENT FOR US TO USE YOUR PD, SEND US AN EMAIL WITH YOUR REQUEST TO INFO@FINANCIALMOTIVATIONS.COM
PROTECTING THE PRIVACY RIGHTS OF THIRD PARTIES
IF ANY POSTINGS YOU MAKE ON OUR WEBSITE CONTAIN INFORMATION ABOUT THIRD PARTIES, YOU MUST MAKE SURE YOU HAVE PERMISSION TO INCLUDE THAT INFORMATION IN YOUR POSTING. WHILE WE ARE NOT LEGALLY LIABLE FOR THE ACTIONS OF OUR USERS, WE WILL REMOVE ANY POSTINGS ABOUT WHICH WE ARE NOTIFIED, IF SUCH POSTINGS VIOLATE THE PRIVACY RIGHTS OF OTHERS.
DO NOT TRACK SETTINGS
SOME WEB BROWSERS HAVE SETTINGS THAT ENABLE YOU TO REQUEST THAT OUR WEBSITE NOT TRACK YOUR MOVEMENT WITHIN OUR WEBSITE. OUR WEBSITE DOES NOT OBEY SUCH SETTINGS WHEN TRANSMITTED TO AND DETECTED BY OUR WEBSITE. YOU CAN TURN OFF TRACKING FEATURES AND OTHER SECURITY SETTINGS IN YOUR BROWSER BY REFERRING TO YOUR BROWSER’S USER MANUAL.
LINKS TO OTHER WEBSITES
OUR WEBSITE MAY CONTAIN LINKS TO OTHER WEBSITES. THESE WEBSITES ARE NOT UNDER OUR CONTROL AND ARE NOT SUBJECT TO OUR PRIVACY NOTICE. THESE WEBSITES WILL LIKELY HAVE THEIR OWN PRIVACY NOTICES. WE HAVE NO RESPONSIBILITY FOR THESE WEBSITES AND WE PROVIDE LINKS TO THESE WEBSITES SOLELY FOR YOUR CONVENIENCE. YOU ACKNOWLEDGE THAT YOUR USE OF AND ACCESS TO THESE WEBSITES ARE SOLELY AT YOUR RISK. IT IS YOUR RESPONSIBILITY TO CHECK THE PRIVACY NOTICES OF THESE WEBSITES TO SEE HOW THEY TREAT YOUR PD.
DOES THIS WEBSITE COMPLY WITH THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT?
EVEN THOUGH OUR WEBSITE IS NOT DESIGNED FOR USE BY ANYONE UNDER THE AGE OF 13, WE REALIZE THAT A CHILD UNDER THE AGE OF 13 MAY ATTEMPT TO ACCESS OUR WEBSITE. WE DO NOT KNOWINGLY COLLECT PD FROM CHILDREN UNDER THE AGE OF 13. IF YOU ARE A PARENT OR GUARDIAN AND BELIEVE THAT YOUR CHILD IS USING OUR WEBSITE, PLEASE CONTACT US. BEFORE WE REMOVE ANY INFORMATION, WE MAY ASK FOR PROOF OF IDENTIFICATION TO PREVENT MALICIOUS REMOVAL OF ACCOUNT INFORMATION. IF WE DISCOVER THAT A CHILD IS ACCESSING OUR WEBSITE, WE WILL DELETE HIS/HER INFORMATION WITHIN A REASONABLE PERIOD OF TIME. YOU ACKNOWLEDGE THAT WE DO NOT VERIFY THE AGE OF OUR USERS NOR DO WE HAVE ANY LIABILITY TO DO SO.
OPT-OUT
IF IT ANYTIME YOU DO NOT WISH TO RECEIVE OFFERS OR EMAILS FROM US, YOU MUST TELL US IN ORDER FOR THE COMMUNICATIONS TO STOP. YOU MAY DO THIS BY EITHER CLICKING THE UNSUBSCRIBE LINK LOCATED AT THE BOTTOM OF OUR EMAILS OR YOU MAY CONTACT US DIRECTLY BY SENDING AN EMAIL TO INFO@FINANCIALMOTIVATIONS.COM.COM.
OUR SECURITY POLICY
WE HAVE BUILT OUR WEBSITE USING INDUSTRY-STANDARD SECURITY MEASURES AND AUTHENTICATION TOOLS TO PROTECT THE SECURITY OF YOUR PD. WE AND THE THIRD PARTIES WHO PROVIDE SERVICES FOR US, ALSO MAINTAIN TECHNICAL AND PHYSICAL SAFEGUARDS TO PROTECT YOUR PD. WHEN WE COLLECT YOUR CREDIT CARD INFORMATION THROUGH OUR WEBSITE, WE WILL ENCRYPT IT BEFORE IT TRAVELS OVER THE INTERNET USING INDUSTRY-STANDARD TECHNOLOGY FOR CONDUCTING SECURE ONLINE TRANSACTIONS. UNFORTUNATELY, WE CANNOT GUARANTEE AGAINST THE LOSS OR MISUSE OF YOUR PD OR SECURE DATA TRANSMISSION OVER THE INTERNET BECAUSE OF ITS NATURE.
WE STRONGLY URGE YOU TO PROTECT ANY PASSWORD YOU MAY HAVE FOR OUR WEBSITE AND TO NOT SHARE IT WITH ANYONE. YOU SHOULD ALWAYS LOG OUT OF OUR WEBSITE WHEN YOU FINISH USING IT, ESPECIALLY IF YOU ARE SHARING OR USING A COMPUTER IN A PUBLIC PLACE.
USE OF YOUR CREDIT CARD
YOU MAY HAVE TO PROVIDE A CREDIT CARD TO BUY PRODUCTS AND SERVICES FROM OUR WEBSITE. WE USE THIRD-PARTY BILLING SERVICES AND HAVE NO CONTROL OVER THESE SERVICES. WE USE OUR COMMERCIALLY REASONABLE EFFORTS TO MAKE SURE YOUR CREDIT CARD NUMBER IS KEPT STRICTLY CONFIDENTIAL BY USING ONLY THIRD-PARTY BILLING SERVICES THAT USE INDUSTRY-STANDARD ENCRYPTION TECHNOLOGY TO PROTECT YOUR CREDIT CARD NUMBER FROM UNAUTHORIZED USE. HOWEVER, YOU UNDERSTAND AND AGREE THAT WE ARE IN NO WAY RESPONSIBLE FOR ANY MISUSE OF YOUR CREDIT CARD NUMBER.
TRANSFERRING PD FROM THE EUROPEAN UNION
(PD) THAT WE COLLECT FROM YOU MAY BE STORED, PROCESSED, AND TRANSFERRED BETWEEN ANY OF THE COUNTRIES IN WHICH WE OPERATE, SPECIFICALLY THE UNITED STATES. THE EUROPEAN UNION HAS NOT FOUND THE UNITED STATES AND SOME OTHER COUNTRIES TO HAVE AN ADEQUATE LEVEL OF PROTECTION OF PD UNDER ARTICLE 45 OF THE GDPR. OUR COMPANY RELIES ON DEROGATIONS FOR SPECIFIC SITUATIONS AS DEFINED IN ARTICLE 49 OF THE GDPR. FOR EUROPEAN UNION CUSTOMERS AND USERS, WITH YOUR CONSENT, YOUR PD MAY BE TRANSFERRED OUTSIDE THE EUROPEAN UNION TO THE UNITED STATES. WE WILL USE YOUR PD TO PROVIDE THE GOODS, SERVICES, AND/OR INFORMATION YOU REQUEST FROM US TO PERFORM A CONTRACT WITH YOU OR TO SATISFY A LEGITIMATE INTEREST OF OUR COMPANY IN A MANNER THAT DOES NOT OUTWEIGH YOUR FREEDOMS AND RIGHTS. WHEREVER WE TRANSFER, PROCESS OR STORE YOUR PD, WE WILL TAKE REASONABLE STEPS TO PROTECT IT. WE WILL USE THE INFORMATION WE COLLECT FROM YOU IN ACCORDANCE WITH OUR PRIVACY NOTICE. BY USING OUR WEBSITE, SERVICES, OR PRODUCTS, YOU AGREE TO THE TRANSFERS OF YOUR PD DESCRIBED WITHIN THIS SECTION.
HOW WILL I BE NOTIFIED OF CHANGES TO THIS PRIVACY POLICY?
WE MAY CHANGE OUR PRIVACY POLICY FROM TIME TO TIME. IF WE MAKE A MATERIAL CHANGE TO THIS POLICY, WE WILL POST THE CHANGES ON THIS PRIVACY POLICY WEBPAGE AND MAY ALSO INFORM YOU OF THE CHANGES BY OTHER MEANS SUCH AS OUR NEWSLETTER OR IN A DIRECT EMAIL CONTAINING THE UPDATE.
WHAT IF I HAVE QUESTIONS ABOUT THIS PRIVACY POLICY OR TERMS OF USE?
IF YOU HAVE ANY QUESTIONS ABOUT THIS PRIVACY POLICY OR TERMS OF USE, PLEASE DIRECT YOUR QUESTIONS TO FINANCIAL MOTIVATIONS USING THE INFORMATION BELOW:
STACIE DANIEL OWNER
FINANCIAL MOTIVATIONS CONSULTING AND INSURANCE SERVICES
INFO@FINANCIALMOTIVATIONS.COM