At Financial Paradox, we respect your privacy, and we understand the importance of the information you entrust to us. This Privacy Policy describes our practices concerning the information collected by FinancialParadox.com (“Financial Paradox”, “we”, “us”, “our”) through the use of (i) our Financial Paradox website (the “Website”) and (ii) our Financial Paradox mobile applications (collectively, the “Services”).
This Privacy Policy applies to all personal information we collect or process about you. Personal information is information, or a combination of pieces of information, that could reasonably allow you to be identified.
Below we describe what information we collect when you use our Services, how we protect that information, how long we retain it, with whom we share it, and what your privacy options are. By using the Services, you consent to our collection and use of your information as described in this Privacy Policy. The Privacy Policy is incorporated by reference into and is made a part of the Terms of Service.
We will continue to evaluate this Privacy Policy against new technologies, business practices, and our users’ needs, and may make changes to the Privacy Policy accordingly. Please check this page periodically for updates. If we make any material changes to this Privacy Policy, we will post the updated Privacy Policy here, along with its effective date, and for material changes will notify you by email or using a notice on our Website. Your continued use of the Services after our posting of changes to this Privacy Policy means that you agree to be bound by such changes.
Our Services are intended for general audiences over the age of 16 years old. We do not knowingly collect information from children under the age of 16 years old.
We collect personal information about you from a variety of sources, including from you directly (e.g. when you contact us or sign up for an account), the information we generate about you in the course of our relationship with you (e.g. data collected from cookies and other similar technologies which is described in our Cookie Policy, and information we collect about you or from other sources, including commercially-available sources, such as public databases (where permitted by law).
Information You Provide To Us:
You may provide personal information to us if you choose to:
Depending on which of these or any other Services you use, the personal information you provide may include:
Please be aware, that by posting information to message boards, chat groups, or social networking facilities available via the Services, you will be making this information available to other users of these Services to the public. You should be careful about revealing any sensitive details about yourself.
Email Referral:
We also have features that allow you to send an email to yourself and/or others about an item on our site. If you choose to use our email referral service, you will be required to provide the e-mail address or addresses that will be used in the notification. Upon form submission, an email will be generated to your recipient(s) inviting them to visit the URL you have recommended. We do not store this information other than for the sole purpose of sending this one-time e-mail.
Information Collected Via Automated Technologies and Interactions:
When you use the Services, we may automatically collect information via automatic means about your computer or device, your preference settings, your location, and your activities, including:
Third Parties
Third-parties who provide us with products and services may also place cookies, ad tags, and/or beacons that collect the information outlined above to provide us with products and services including:
These third parties may also collect information about you from other sources and combine it with other information collected about you from third-party websites not affiliated with us. For example, advertiser and advertising networks, as well as data analytics companies who service them, may participate in online behavioral advertising and track your activity across various sites and/or devices where they display ads and record your activities, so they can show ads that they consider relevant to you.
Do Not Track: Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.
We are committed to providing you with meaningful choices about the information collected on our website for third-party purposes, and that is why we provide the Network Advertising Initiative and the Digital Advertising Alliance opt-out links above. However, we do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT and a common approach to responding to DNT. However, our Cookie Policy provides information and opt-out links to help you control the collection of information about you on our Website.
These third parties may also provide us with information about your interactions with their products and services and/or activities on third-party websites. For example, the use of Service functions that connect to your social media account (e.g., Facebook Connect) may permit us access to your social network profile information, including your first name, last name, gender, birth date, and email address, following your settings on the social network. If you choose to post information to your social media account via the Services, you will be making this information available to other users of these Services. We encourage you to be careful about revealing any sensitive details about yourself via our Services or otherwise.
We may use the information we collect from and about you for the following purposes:
We may also aggregate and de-identify your information in such a way that you may not reasonably be re-identified by us or any other company, and may use this information for any other purpose.
We will not share the personal information we collect about you with any third party except as indicated below or when we inform you and give you an opportunity to opt-out of having your personal information shared. We will share your information in the following ways:
In cases of onward transfer to third parties of data of EU or Swiss individuals received under the EU-US or the Swiss-US Privacy Shield, Financial Paradox is potentially liable.
We will retain your personal data only for as long as necessary for the purposes it was retained, such as to enable you to use the Website and your products or to provide services to you. In some instances, we may retain data for longer periods to comply with applicable laws (including those regarding document retention), resolve disputes with any parties, and otherwise as necessary to allow us to conduct our business. All personal data we retain will be subject to this Privacy Policy and our internal retention guidelines. We respect your control over your information and, upon request, we will seek to confirm your identity and whether we hold or are processing information that we have collected from you. You also have the right to amend or update inaccurate or incomplete personal information, request deletion of your personal information, or request that we no longer use it. Under certain circumstances we will not be able to fulfill your request, such as if it interferes with our regulatory obligations, affects legal matters, we cannot verify your identity, or it involves disproportionate cost or effort, but in any event, we will respond to your request within a reasonable timeframe and provide you an explanation. To make such a request for us, please email us at contact@financialparadox.com.
You have certain rights regarding the personal information we hold about you, subject to local law. These may include the rights to access, correct, delete, restrict, or object to our use of, or receive a portable copy in the usable electronic format of your personal information. You may also have a right to complain with your local data protection or privacy regulator.
You also have choices when it comes to the privacy practices described in this Privacy Policy. A few of those choices are set forth below and others are available in our Cookie Policy.
Choices Relating to the information we collect: We may be required by law to collect certain personal information about you or as a consequence of any contractual relationship we have with you. Failure to provide this information may prevent us from providing certain Services or all of the Services to you.
When you use the Services, we may make automated decisions about you based on your personal information in the following circumstances:
Legal rights apply to personal data collected in the EEA. Under the EU General Data Protection Regulation (Regulation 2016/679) natural persons (called data subjects) are afforded certain rights regarding their personal data, including the right access, correct, delete, restrict or object to our use of, and receive a portable copy in a usable electronic format of your personal information. You also have the right to withdraw any consent that you have previously provided to us and to lodge a complaint with your local data protection or privacy regulator.
If you would like to exercise any of the rights outlined above, and the law of your jurisdiction requires us to honor that request, please send your request in writing to the address in the “Contact Us” section below. To assist us in processing your request promptly, please make your request in English if you can do so. Your request should include any information relevant to your request, including, without limitation: (i) your name, email, and postal address; (ii) the specific right you are asserting (e.g., removal); and (iii) if you are requesting removal, a brief explanation of why you believe such information should be removed.
To help us prevent fraudulent removal requests, please also include a legible copy of a document that verifies your identity. You need not provide a government-issued document; a utility bill or similar mailing will suffice. You may also obscure parts of the document such as identifying numbers so long as the document continues to clearly identify you. If you are requesting on behalf of another person, please indicate your relationship to that person and provide evidence of your authority to make such a request. All removal requests will be reviewed by Financial Paradox’s legal and compliance team and we reserve the right, in compliance with applicable laws, to accept or reject, or make further inquiries regarding, any requests.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made several requests. In this case, we will notify you and keep you updated.
We take the security of your information seriously and use appropriate technical and organizational measures to protect your information against unauthorized or unlawful processing and accidental loss, destruction, or damage. We also limit access to information about your t employees who reasonably need access to it to provide products and services to you, or to do their jobs. However, because no security can be 100% effective, we cannot completely guarantee the security of any information we have collected from you. If you have reason to believe that the personal information that we hold about you is no longer secure, please contact us immediately as described in this Privacy Policy.
We retain the information we collect about and from you for as long as necessary to fulfill the purpose we collected it for and to satisfy any legal, accounting, or reporting requirements. To determine the appropriate retention period for the personal information we process, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your information, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, accounting, or reporting requirements. In some circumstances, we may choose to aggregate and de-identify your information in such a way that you may not reasonably be re-identified by us or any other company in which case we may use this information indefinitely without further notice to you.
In some circumstances, you can ask us to delete your data: see Right to Access, Review, Change, or Delete Your Information.
The Services may contain links to third-party websites. We are not responsible for the privacy practices or the content of those third-party websites. We have relationships with third-party providers to provide content, products, services, and functionality through the Services. Such providers may collect information from you directly, in which case the provider’s privacy policy (which may differ from this Privacy Policy) would apply. If you have any questions regarding the privacy policy of any of our providers, you should contact the provider directly for more information.
Under Nevada law, Nevada residents may opt-out of the sale of certain “covered information” collected by operators of websites or online services. We currently do not sell covered information, as “sale” is defined by such law, and we don’t have plans to sell this information. However, if you would like to be notified if we decide in the future to sell personal information covered by the Act, please go to Contact@FinancialParadox.com to provide your name and email address. We may share your data as explained in this privacy policy, such as to enhance your experiences and our services, and those activities will be unaffected by a Nevada do not sell request. You may also have other choices regarding our data practices as set forth elsewhere in this privacy policy.
If you are receiving the Services from outside the United States, your personal data will be transferred to and stored in our servers in the U.S. By using the Services, you consent to our collection and use of your data as described in this Privacy Policy.
Further, if you are receiving the Services from the European Economic Area (the “EEA”) we note that your information may be transferred to, stored, and processed in a country that is not regarded as providing the same level of protection for personal information as the laws of your home country, and may be available to the government of those countries under a lawful order made in those countries.
We have put in place appropriate safeguards (such as contractual commitments) by applicable legal requirements to provide adequate protection for your personal information. For further details, see European Commission: Model contracts for the transfer of personal data to third countries. We may also transfer data to the U.S. under the Privacy Shield framework which requires them to provide similar protection to personal data shared between the EU and the US.