Thank you for your interest in healthyfinancialoptions and our privacy practices. In this Privacy Policy, "we," "us" and "our" mean healthyfinancialoptions and/or its subsidiaries. This Privacy Policy describes (i) how we handle personal information you provide us ("Personal Information") when you access or use one the websites we own and operate including healthyfinancialoptions and (ii) options you have with respect to your Personal Information.
THIS PRIVACY POLICY IS A BINDING LEGAL AGREEMENT. BY ACCESSING OR USING OUR SITE, OR SUBMITTING INFORMATION TO US VIA OUR SITE, YOU ACKNOWLEDGE AND AGREE TO OUR USE OF YOUR PERSONAL INFORMATION AS DESCRIBED HEREIN. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY IN ITS ENTIRETY, YOU MUST CEASE ACCESSING OR USING THE SITE IMMEDIATELY.
If you are a resident of California, please see our California Privacy Statement for additional information regarding your privacy rights and healthyfinancialoptions's use of your personal information.
We collect and process the following categories of Personal Information:
We collect Personal Information from various categories of sources. One source from which we collect Personal Information is directly from individuals through the fillable forms on our Site. You will know when you provide this information because you will input the information and click a button or take another action indicating you are submitting the information.
We also work with other companies who may know that you are interested in a product or service offered by our partners. We receive Personal Information from such companies, and rely on those companies to only share Personal Information in accordance with the law.
Additionally, we may collect Personal Information using web tracking and analytics tools, including "cookies" and similar technologies. We collected this information directly from individuals, and receive it from data analytics providers. The specific names and types of the cookies, web beacons, and similar technologies we use to collect information (e.g., about the device you use to access our Site, its operating system, IP address, browser type, about the pages you view, the links you click, and other actions you take on our Site, within our advertising or e-mail content) may change from time to time. More information on the types of cookies and tracking technologies used on our Site, and your choices with regard to the same, can be found below.
We use Personal Information primarily to connect consumers ("Customers") with companies ("Business Partners") and Customer offers for relevant products or services; as well as to provide, maintain, evaluate, and improve our Site and services; and to provide support.
We also derive aggregate information from Personal Information to track the use of the Site and to assist us in providing, maintaining, evaluating, and improving our Site and services.
We share personl information among the following categories of recipients.
| Category of Personal Information | Categories of Third Parties to Whom Sold | Categories of Third Parties to Whom Disclosed for a Business Purpose |
|---|---|---|
| Individual Identifiers (e.g., real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers) | Business Partners | Our Agents; Our Vendors |
| Customer Records (e.g. name, address, telephone number) | Business Partners | Our Agents; Our Vendors |
| Personal Characteristics (e.g., gender or age) | Business Partners | Our Agents; Our Vendors |
| Commercial Information (e.g., information regarding products or services purchased, obtained, or considered) | Business Partners | Our Agents; Our Vendors |
| Biometric information. | None | |
| Internet or Other Electronic Network Activity Information (e.g., browsing history, search history, and information regarding your interactions with our website) | None | Our Agents |
| Geolocation data. | None | |
| Audio, electronic, visual, thermal, olfactory, or similar information. | None | |
| Professional or employment-related information. | None | |
| Education information. | None | |
| Inferences drawn from any of the information identified above. | Business Partners |
We will also share Personal Information for the following limited purposes:
Protection of healthyfinancialoptions and Others: We may release Personal Information when we believe in good faith that release is necessary to comply with the law; enforce or apply our conditions of use or other agreements; or protect the rights, property, or safety of healthyfinancialoptions, our employees, our users, or others.
Change in Control: If we experience a change in control, we may amend our information practices as described in this Privacy Policy. We will post on our Site's home page a notice or a link to a notice with our amended Privacy Policy. If you do not agree to our amended Privacy Policy, you must discontinue accessing and using the Site immediately and may contact us as described below.
"Change in control" means any of the following events: we undergo a reorganization, merger, consolidation, acquisition or other restructuring involving all or substantially all of our voting securities and/or assets, by operation of law or otherwise; we become insolvent; we make a general assignment for the benefit of creditors; a receiver is appointed for our business or assets; we becomes subject to any proceeding under any bankruptcy or insolvency law, whether domestic or foreign; or we are liquidated, voluntarily or otherwise.
We may disclose aggregate data derived from Personal Information, which does not include unique identifiers, to potential strategic partners, advertisers, investors, customers, and others. You may not opt out of the sharing of this information.
A cookie is a small text file (typically made up of letters and numbers) placed in the memory of your browser or device when you visit a website. Cookies allow a website to recognize a particular device or browser. There are several types of cookies used on our Site:
Web beacons are small graphic images (also known as "pixel tags" or "clear GIFs") that may be included on websites, services, applications, messaging, and tools, that typically work in conjunction with cookies to identify user behavior.
Other companies help us with various aspects of our business, such as site operations, services, applications, advertisements, and tools. We use authorized service providers to analyze and improve our Site and marketing efforts. These service providers may also place cookies on your device via our Site (third-party cookies). They may also collect information that helps them identify your device, such as IP-address, or other unique or device identifiers. Third-party cookies are covered by the third parties' privacy policy.
Cookies can be disabled or removed by tools that are available in most commercial browsers. The preferences for each browser you use will need to be set separately and different browsers offer different functionality and options.
Opting out of our first-party advertising-related cookies, or out of third-party advertising-related cookies and web beacons as described herein, does not necessarily mean that you will not see advertising — only that this advertising will not be targeted to you through the use of first-party or third-party cookies, web beacons, or related technologies.
If you would like to opt out of all other types of technologies we employ or may employ in the future on our Site, you may do so by blocking, deleting, or disabling them as your browser or device permits.
Do Not Track is a privacy preference users may be able to set in their web browsers. When a user turns on a Do Not Track signal, their browser typically sends a message to websites requesting it not track the user. At this time, our analytics tools including Google Analytics do recognize Do Not Track signals, but we do not otherwise recognize or respond to Do Not Track browser settings or signals and we will still receive information. As a result, we may still collect information about you and your internet activity, even if you have turned on the Do Not Track signal.
No method of transmission over the internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. We are not responsible for the unauthorized acts of others and we assume no liability for any disclosure of information due to errors in transmission, unauthorized third-party access (e.g., hacking) or other acts of third parties, or acts or omissions beyond our reasonable control.
You consent to receive communications from us and our Customers, including automated communications, related to our Site and services. If you do not wish to receive communications from us or our Customers, you may opt out by following the instructions provided in each communication, or by contacting us as described below. Upon receiving your request, we may contact you to confirm our compliance or clarify the scope of your request.
Our Site and services relate to specific products and services which are not targeted at children. Therefore, it is unlikely that children under the age of 16 will use the Site or purchase the services we offer. We do not knowingly collect or use Personal Information from children under the age of 16. In addition, we will delete any information in our database we become aware has originated from a child under the age of 16.
If you are between the ages of 13 and 16, you, your parent, or your legal guardian may request we delete any of your Personal Information we hold and/or opt out from receiving communications from us. If you wish to do so, please contact us as described below.
You will be able to access third-party websites directly from the Site. This Privacy Policy does not apply when you access third-party websites. We cannot control how third parties may use Personal Information you disclose to them, so you should carefully review the privacy policy of any third-party website you visit before using it or disclosing your personal information to its provider.
We may update this Privacy Policy from time to time, in our sole discretion. When we do so, we will post the new Privacy Policy on our Site. You agree to consult this Privacy Policy regularly for any changes. Continued use of the Site following posting of such changes constitutes your acknowledgement of such changes and agreement to be bound by the changes. If you do not agree, you should immediately discontinue your use of the Site.
If you have any questions or concerns regarding privacy, you may contact us at the following e-mail or mailing address. We will make every reasonable effort to resolve your concerns in accordance with our obligations under applicable law.
info@healthyfinancialoptions.com
Effective Date: February 1st, 2024
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