Privacy Policy
Personal Information Our Company Collects and How It Is Used
Your privacy is very important to us. We want to make your experience on the Internet as enjoyable and rewarding as possible, and we want you to use the Internet's vast array of information, tools, and opportunities with complete confidence.
We have created this Privacy Policy to demonstrate our firm commitment to privacy and security. This Privacy Policy describes how our company collects information from all end users of our Internet services (the "Services")-those who access some of our Services but do not have accounts ("Visitors") as well as those who may purchase Products and/or pay a monthly service fee to subscribe to the Service ("Members")-what we do with the information we collect, and the choices Visitors and Members have concerning the collection and use of such information. We request that you read this Privacy Policy carefully.
Introduction:
Our company (Financial World Solutions, LLC) collects information in different ways from Visitors and Members who access the various parts of our Services and the network of Web sites accessible through our Service.
Registration: Members may be asked to provide certain personal information when they sign up for our Products or Services including name, address, telephone number, billing information (such as a credit card number), and the type of personal computer being used to access the Services. The personal information collected from Members during the registration process is used to manage each Member's account (such as for billing purposes). This information may be shared with third parties, as stated herein, or in special circumstances.
However, in instances where our company and a partner jointly promote our Services, we may provide the partner certain personal information, such as the name, address, and username of persons who subscribed to the Services as a result of the joint promotion for the purpose of offering you other products and services.
In this instance, personal information may not be used by the partner for any other purpose. We may also generate non-identifying and aggregate profiles from personal information Members provide during registration (such as the total number, but not the names, of Members). As explained in more detail below, we may use this aggregated and non-identifying information to sell advertisements that appear on the Services.
Also, with purchases, we supply our member's contact information, to our business partners, who then contact the member by telephone the week after the member purchase. Sales proceeds are collected by the that business partner company. We also may supply other companies with contact information, for mail offers we believe would be of interest to our members, with or without compensation from those companies. At times we may send an advertisement for a third party product, where we collect the sales proceeds, and forward the purchaser's information to that third party.
Our Company Partners and Sponsors: Some products and services may be offered to Visitors and Members in conjunction with an affiliate, independent contractor seller or nonaffiliated partner. To provide Visitors and Members some of these products and services, the partner may need to collect and maintain personal information.
Online Shopping: At some Web sites, you can purchase products and services or register to receive materials, such as a newsletter, or new product and service updates. In many cases, you may be asked to provide contact information, such as your name, address, Email address, phone number, and credit/debit card information.
If you complete an order for someone else, such as an online gift order sent directly to a recipient, you may be asked to provide information about the recipient, such as the recipient's name, address, and phone number. Our company has no control over the third parties' use of any personal information you provide when placing such an order. Please exercise care when doing so.
If you order services or products directly from our company, we use the personal information you provide to process that order. We do share this information with outside parties that we do business with.
Online Advertisements: Our company may display our online advertisements. In those cases we share information about our Visitors and Members collected through the registration process as well as through online surveys and promotions with these advertisers.
Additionally, in some instances, we use this information to deliver tailored advertisements or joint ventures. For instance, an advertiser or joint venture company tells us the audience they want to reach and provides us an advertisement tailored to the audience. Based upon the information we have collected, we may then display or send the advertisement to the intended audience. Our company does share personal information about its Visitors or Members with these advertisers or joint venture companies.
Responses to Email Inquiries: When Visitors or Members send Email inquiries to our company, the return Email address is used to answer the Email inquiry we receive.
Voluntary Customer Surveys: We may periodically conduct both business and individual customer surveys. We encourage our customers to participate in these surveys because they provide us with important information that helps us to improve the types of products and services we offer and how we provide them to you.
We may take the information we receive from individuals responding to our Customer Surveys and combine (or aggregate) it with the responses of other customers we may have, to create broader, generic responses to the survey questions (such as gender, age, residence, hobbies, education, employment, industry sector, or other demographic information). We then use the aggregated information to improve the quality of our services to you, and to develop new services and products. This aggregated, non-personally identifying information may be shared with third parties.
Special Cases: It is our company's policy to use or share the personal information about Visitors or Members in ways described herein without additional notice or means to opt out or otherwise prohibit such unrelated uses.
Also, we may disclose personal information about Visitors or Members, or information regarding your use of the Services or Web sites accessible through our Services, for any reason if, in our sole discretion, we believe that it is reasonable to do so, including: credit agencies, collection agencies, merchant database agencies, law enforcement, or to satisfy laws, such as the Electronic Communications Privacy Act, the Child Online Privacy Act, regulations, or governmental or legal requests for such information; to disclose information that is necessary to identify, contact, or bring legal action against someone who may be violating our Acceptable Use Policy or Terms Of Service, or other user policies; to operate the Services properly; or to protect our company and our Members.
"Cookies" and How Our Company Uses Them.
Your information includes information about your transactions. We may use and share your information with other members of our Industry to help us and them:
* assess financial and insurance risks;
* recover debt;
* prevent and detect crime;
* understand our customers' requirements;
* develop and test products and services
We do not disclose your information to anyone outside our Industry
except:
* where we have your permission; or
* where we are required or permitted to do so by law; or
* to other companies who provide a service to us or you
* where we may transfer rights and obligations under this agreement.
From time to time we may change the way we use your information.
Where we believe you may not reasonably expect such a change we
shall inform you. If you do not object to the change within 60 days,
you consent to that change.
FINANCIAL WORLD SOLUTIONS is committed to protecting the security
of your data. We use a variety of online security technologies and
procedures to help protect your personal information from unauthorized
access, use or disclosure. For example, we store the personal information
you provide in computer servers with limited access that are located
in controlled facilities.
Cookies
Cookies are text files, used by your computer's browser, that store website visitor session data. Cookies, by themselves, do not identify the individual user. Cookies are commonly used on the Internet and do not harm your system.
We currently use cookies to collate general management data which is used to plan enhancements to our services. FINANCIAL WORLD SOLUTIONS never stores any personal information in cookies (on any computer that you may use) that can be used to identify you, such as your name or account numbers.
If you do not want us to use cookies you may prefer to configure
your browser to not accept them. Please refer to your browser's
'help' section for further information. However, you should bear
in mind that this may affect our ability to process the transactions
you wish to have authorized.