Information Collection and Use
TYPES OF INFORMATION WE COLLECT:
Personal Information
We use the term “Personal Information” to describe information that can be associated with you and can be used to identify you or your household. Personal Information does not include information we collect that does not or cannot be reasonably used to identify you personally.
When you visit any of our Sites, we may collect Personal Information from you such as your name, postal address, email address, telephone number, Social Security number, or date of birth, as well as any other information you provide to us through our forms, surveys, applications, or similar online fields in connection with providing services to you.
Anonymous Information
In addition to the Personal Information described above, we may collect Anonymous Information about your use of our Sites. The term “Anonymous Information” means information that cannot reasonably be used to identify you personally. For example, we may collect information about your Internet browser, Internet Protocol (IP) address, the type and version of your Internet browser software, information collected through tracking technologies such as cookies, or information about the device you are using. Collection of this data does not personally identify you.
WAYS WE COLLECT INFORMATION:
- You provide information to WealthwiseLife. We collect personal information that you provide to us through use of our forms, surveys, applications or similar online fields, in connection with providing services to you.
- We obtain information from others. We obtain anonymous information from third parties to customize your online experience.
- We gather information online. We use tools, including cookies, to gather information for internal use including Site analytics and to personalize your Site experience.Our affiliates do not automatically collect Personal Information from visitors to affiliate Sites. In addition, when you use our Sites, we will not permit unaffiliated third parties to collect Personal Information about you.
USE OF THE INFORMATION WE COLLECT:
Personal Information we collect is used to provide you with a tailored online experience. We use it to help determine your financial interests and needs to recommend relevant products and services. This information is also used to authenticate your identity, process your transactions, prevent fraud, and to qualify you for products and services you request. We may also use and share your Anonymous Information as described in this Online Notice and/or for any other purpose subject to applicable law.
Our affiliates use online tracking technologies (cookies and click stream auditing) in order to:
- Improve our Sites
- Identify and address problems
- Analyze web traffic trends
- Monitor and maintain information about site visits
- Protect the security and integrity of our Sites
We may also use the information we collect online:
- to respond to your inquiries and fulfill your requests;
- to send administrative information to you, such as information regarding the Site and changes to our terms, conditions, policies or products and services;
- to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you;
- to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your accounts, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information;
- to personalize your experience on the Site;
- to allow you to apply for products or services (e.g. to prequalify for a mortgage, apply for a credit card, or to open a retirement account investment account or other financial product) and evaluate your eligibility for such products or services;
- to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities.
- to allow you to use some Site financial planning tools. Information that you enter into one of these planning tools may be stored for future access and use.;
- for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
- for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
- allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services
Understanding Cookies and Other Tracking Technologies
Cookies and Click Stream Auditing:
Cookies are small pieces of information that a website stores on a visitor’s web browser. Our affiliates do not store confidential or sensitive information in cookies.
If a cookie is not on the computer or the user changes computers, the user will be asked to re-authenticate. This process helps add an additional level of security for our customers.
Cookies cannot be used to capture your e-mail address, obtain data from your hard drive, or gain confidential or sensitive information about you. Additionally, cookies cannot be read by a website other than the one that set the cookie. Some websites, however, use cookies to obtain information from your browser. You can set your browser to notify you before accepting a cookie, so that you can control whether you accept or reject a cookie. If you do not accept cookies, your experience at our Sites may be impacted.
Click stream auditing is the process of collecting and analyzing information such as a web user’s IP address, web pages which referred a web surfer to our website, date and time, domain type, and when a web surfer has responded to an advertisement.
Pixel Tags and Advertising:
We may also use a technology called pixel tags (also known as “clear gifs,” “Web beacons” or “1-by-1gifs”) on our Sites. These may be used in connection with certain pages of our Sites or with email messages to measure the effectiveness of our communications and our marketing campaigns, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on our sites.
We use third party advertising and media companies to serve ads on our behalf across the internet and to help manage and optimize our internet business and communications. These networks use both cookie and pixel tag technology to measure the effectiveness of ads for their clients, none of which contain Personal Information, during your visits to this and other websites in order to provide information about goods and services that may be of particular interest to you. We limit these networks from using the information collected by these cookies and pixel tags for any purpose other than to assist us in our advertising efforts. From time to time, we may also share Anonymous Information with such third party companies in an aggregate form, for purposes of analysis and improvement of our website. At no time is any personal information passed to these third parties.
Personal Information on Children
We respect the privacy of children and encourage all parents to supervise their children’s computer usage. We do not intend to invite children to visit WealthwiseLife Sites and online services and we do not knowingly collect or retain personal information from children under the age of thirteen (13). For more information on the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at www.ftc.gov.
Social Media
Some of our Services may include features that are designed to permit interactions that you initiate between our site and third-party websites or services, including third-party social networks (collectively, “Social Features”). For example, you may be able to “like” or “share” content from our Services on other websites or services, such as Facebook/Instagram, Twitter, YouTube/Google, and LinkedIn. By choosing to “like” or “share” information from our Services through these services, you should review the privacy policy of that service.
If you are a member of a social media site and logged in, the interfaces configured on our Services may allow the social media site to connect your site visit and browsing behavior to the personal data held on your social media site. We may use this information on an aggregate basis to place ads that are based on your interests on these social media sites. These practices are governed by the privacy statements of these social networking sites, and you are advised to review these separately.
In addition, we may request your permission to a) access and collect information available from your social networking account; and b) post information to your friends on your behalf. The information we may access from your social networking services is governed by the privacy policies and settings of those third-party services.
The information collected and stored by the social media sites remains subject to those sites’ privacy practices, including whether they continue to disclose information to us, the types of information shared, and your choices regarding what is visible to others on those third-party websites or services.
Security
No method of transmission over the Internet, or method of electronic storage, is fully secure. While we use reasonable efforts to protect your Personal Information from unauthorized access, use, or disclosure, we cannot guarantee the security of your Personal Information. If we are required by law to inform you of a breach to your Personal Information, we may notify you electronically, in writing, or by telephone, if permitted to do so by law.
Some of our websites permit you to create an account. When you do you will be prompted to create a password. You are responsible for maintaining the confidentiality of your password, and you are responsible for any access to or use of your account by someone else that has obtained your password or device, whether such access or use has been authorized by you. You should notify us of any unauthorized use of your password or account.
For certain jurisdictions your Personal Information may be subject to the laws of the country to which it is transferred, and if permitted by law, may be accessible without notice to you by the courts, law enforcement and national security authorities of that country. By using and participating in any of our Services or providing us with your information, you acknowledge the collection, international transfer, storage, and processing of your information.
Third Party Applications/Websites. We do not control the privacy practices of websites or applications that we do not own. Users are encouraged to read the privacy policy of those properties to make an informed decision regarding use of them.
Changes to This Privacy Policy. We may change our privacy policy and practices over time. We will post a notice to our website to inform you of any material changes to our privacy policy and indicate when it was most recently updated. Generally, material policy changes will apply only to information collected after the date of the change. Our privacy policy includes an “effective” and “last updated” date. The effective date refers to the date that the current version took effect. The last updated date refers to the date that the current version was last substantively modified.