e-financialfitness.com (“We” or “Website”) has established the following privacy policy as we respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the Website, and our practices for collecting, using, maintaining, and disclosing that information.
You agree that your access to, use and continued use of, or any interaction with efinancialfitness.com shall constitute your acceptance and agreement to this Privacy Policy, and that efinancialfitness.com, its owners, and any affiliate or licensee are relying on your acceptance of these terms.
Privacy Statement
We want you to understand what information we gather about you, how we use it, and the safeguards we have in place to protect it. This policy applies to information we collect: (1) On this Website; (2) In email, text, and other electronic messages between you and this Website; (3) When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy. Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Likewise, you may access efinancialfitness.com through one of our licensees, which will bear the name of the licensee in the URL. If you have obtained access and use of efinancialfitness.com through one of our licensees, you understand that in addition to the below privacy policy terms you may be subject to additional terms and conditions, including privacy terms of the licensee. As to efinancialfitness.com the following discloses the information gathering and dissemination practices for this web site.
Efinancialfitness.com automatically logs certain information when you access and interact with the pages of efinancialfitness.com. The technologies we use for this automatic data collection may include:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. Refusing cookies will not prevent a user from visiting any portion of this website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
- Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
- Third-Party Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit http://info.yahoo.com/privacy/us/yahoo/opt_out/targeting/details.html.
- Third Party Analytics. This site uses google analytics service to evaluate and analyze users behavior online. All information gathered through this service is anonymous and does not include personal information, other than basic information such as the type of browser used, the IP address, and the device used. The information is used for internal analytics and marketing analysis purposes.
- IP Address. IP addresses are unique addresses that are linked to your devise. IP addresses are automatically logged and the domain name which you are using at the time of entry is also logged to a file. This information is stored purely as a means of viewing web site hits and traffic. This information is not given to any third parties for any reason and is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than those stated here.
- Third-Party Use of Cookies and Other Tracking Technologies. Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
Information Collected on the Website. Our site’s registration and online forms require users to give us contact information (like their name, email, or postal address). Due to the nature of this web site, financial information is also requested on a voluntary basis from the visitor. efinancialfitness.com, its owners, affiliates, and licensee may share the information with each-other, but do not share your financial information with any non-affiliated third parties other than those who help us in aiding you, and they are required to maintain it in strict confidence. We do not rent or sell your personal financial information to any outside marketer. We maintain security practices and procedures designed to ensure the security, integrity, and confidentiality of your personal financial information. We educate our employees about safeguarding client information and preventing unauthorized access, disclosure, or use, while limiting employee access to client information to those who need it to assist you.
Off-Line/Email Data Collection: efinancialfitness.com only collects a limited amount of financial information from consumers on their online forms. Efinancialfitness.com and/or any of its licensee may offer a consumer coaching session through a dedicated phone line or virtual video conferencing, which such coaching sessions shall be provided by Consolidated Credit as the coaching session service provider. In such event, Consolidated Credit may obtain additional information from you to assist you with understanding your finances, determine if you are eligible for a Debt Management Program (DMP), and if you are eligible for, and choose to enroll in, a DMP, to assist you in the enrollment. Consolidated Credit is subject to its own privacy policy, and should you have questions regarding Consolidated Credit’s privacy policy please see https://www.consolidatedcredit.org/privacy/.
Disclosure Practices. efinancialfitness.com does not disclose any non-public personal information about its users, except as specifically directed by this Privacy Policy to its affiliates and as directed to third parties herein, in response to a court order or a validly issued subpoena, when required by law or when we believe in good faith disclosure is required by law or to enforce our terms and conditions or other agreements and polices.
External Links. This Website contains links to other sites. efinancialfitness.com its owner, and/or affiliate, or licensees are not responsible for the privacy practices or the content of such other sites. efinancialfitness.com and its owner, and/or affiliate, do not condone, approve, recommend, or have any responsibility for the content of any linked website to this website. Complaints about the content of any linked site from the efinancialfitness.com its owner, and/or affiliate pages should be directed to the owner of the linked site and not efinancialfitness.com its owner, and/or affiliate, or licensees.
Security. This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Information, if any, submitted for use by visitors is kept strictly in compliance with this Privacy Policy. Only the information visitors provide and authorized by the visitor is used for the purpose it was submitted.
Short Message Service (“SMS”). efinancialfitness.com its owner, and/or affiliate, or licensees may make available a service through which you can receive financial advice on your wireless device via short message service (“SMS Service”). One message is sent per week. Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. This service is provided only to users whom have reached 18 years of age. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. efinancialfitness.com its owner, and/or affiliate, or licensees will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. efinancialfitness.com its owner, and/or affiliate, or licensees may also obtain the date, time and content of your messages in the course of your use of the SMS Service. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with compatible carrier and plan. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.
You may remove your information by going to unsubscribe@efinancialfitness.org or you may opt out of receiving messages to your mobile device at any time by notifying us or by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any message you receive.
Data Quality/Access. This site gives users the following options for changing and modifying information previously provided. Once you log into your account, you may review your profile information and make changes to certain information relating to your profile.
Newsletter and Email Subscriptions Opt-Out Policy. You can opt-out or unsubscribe from any newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow ten (10) business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe or by replying to an existing email with your request to be removed from the mailing list or click here.
Data Security. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
No collection of PII belonging to minors under 13. The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 years of age without parental consent. If you are a User under the age of 13, please do not send any Personal Information to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected Personal Information from a User under the age of 13 without parental consent, or if we learn a User under the age of 13 has provided us Personal Information beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 13 may have provided Consolidated Personal Information in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
Privacy Policy Questions or Information Updating. If you have any question about our privacy policy and practices, please contact us at: [info@efinancialfitness.org]. If you want to correct any personal information in our files, please submit a written request to [info@efinancialfitness.org].
Your California Privacy Rights. If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. Included in these additional rights are the right to be deleted. Should you want to have your information deleted, subject to certain retentions that may be required by law, please contact us and make your request in writing at [info@efinancialfitness.org]. We will respond to requests accordingly.
Revised Privacy Policies. Please note that we reserve the right to change or modify our privacy practices that are described above from time to time simply by posting a revised Privacy Policy on our Website efinancialfitness.org. Any such change shall be effective immediately upon posting of the revised Privacy Policy on the Website. The revised Privacy Policy shall be effective for information we already have about you, as well as any information we receive in the future. You should refer to this Privacy Policy on an ongoing basis so that you are aware of our current privacy practices.
Thank you for choosing efinancialfitness.com its owner, and/or affiliate, or licensees to assist you in restoring your financial wellbeing.