YourFinancialWatchdog.com
Privacy Policy
Thank you for visiting the YourFinancialWatchdog.com Web site (hereinafter “the Site” or “YourFinancialWatchdog.com”) and reviewing our Privacy Policy, effective January 1, 2011. We take your privacy very seriously and are committed to safeguarding your privacy online. Please read the following policy to understand how your personal information will be treated as you use YourFinancialWatchdog.com.
Overview
This Privacy Policy (hereinafter “Policy”) governs your use of YourFinancialWatchdog.com and describes the information we collect from you and what may happen to that information. For example, this Policy will let you know what information we collect from you; what cookies are and how they are used; how your information is used; who is collecting your information; with whom your information may be shared; what options are available to you regarding collection, use, and distribution of your information; the types of security precautions in place to protect against loss, misuse, or alteration of your information; how we protect children’s privacy; and what else you should know about your online privacy.
Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you bookmark and periodically review this page to ensure continuing familiarity with the most current version of our Privacy Policy. All amended terms shall be automatically effective after they are posted on the Site.
By visiting the Sites, you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use or access the Sites.
What Personally Identifiable Information does YourFinancialWatchdog.com collect?
The primary purpose of collecting information from you is to process your purchases from us and deliver your purchases to you. We will only collect information about you that we consider necessary to achieve this purpose.
Generally, YourFinancialWatchdog.com collects personally identifiable information in two ways. Some information is gathered when you purchase from us. This includes your name, address, email address, credit card information, and related information needed to process your transaction. Where possible, we indicate which fields are required and which fields are optional. We also collect personal information when you report a problem or issue with our services through the Site’s contact form. If you contact YourFinancialWatchdog.com, we may keep a record of that correspondence.
Wherever YourFinancialWatchdog.com collects personal information we make an effort to include a link to this Privacy Policy on that page.
What are IP Addresses and how does YourFinancialWatchdog.com use them?
When your web browser requests a web page from another computer on the Internet, such as YourFinancialWatchdog.com, it automatically gives that computer the address where it should send the information. This is called your computer’s “IP address.” (IP stands for “Internet protocol.”) For many users accessing the Internet, the IP address will be different every time you log on. We record the IP Addresses that access YourFinancialWatchdog.com along with related information such as your browser type and operating system. This information helps us, in part, learn about the geographical distribution of our website visitors and the technology they use to access our site so that we can improve our Site.
What are “cookies” and how does YourFinancialWatchdog.com use them?
Data collection devices, such as “cookies,” are used to store, and sometimes track, information about you. Generally, these cookies help provide personalized services and promote trust and safety. A cookie is a small file containing a small amount of data that is sent to your browser from a web server and placed on your computer’s hard drive to assist us in providing our services. Cookies are only read by the server that placed them and are unable to execute any code or virus. Most cookies are “session cookies,” and are automatically deleted from your hard drive at the end of a session.
More specifically, we use cookies to provide you with coupons and to deliver to you a more personalized service. We also may use cookies to measure your visiting patterns in the aggregate. We use this research to understand how our users’ habits are similar or different from one another so that we can make each new experience on YourFinancialWatchdog.com a better one. We may also use this information to better personalize the content, banners, and promotions that you and other users will see on our Site. You are always free to decline our cookies if you wish and if your browser permits, however please know that doing so may interfere with the proper functioning of certain parts of our Site.
How does YourFinancialWatchdog.com use my information?
YourFinancialWatchdog.com uses your information to provide you with the products & services that you purchase and to provide you with a customized website experience. We may also use your personal information to communicate with you via email if you choose to receive our email newsletter or we need to contact you for other reasons; resolve disputes; troubleshoot problems; detect and protect against error, fraud, or other criminal activity; and enforce our Terms of Use Agreement.
Who is collecting information?
When you are using the Sites and are asked for personal information, you are sharing that information with YourFinancialWatchdog.com alone, unless we specifically state otherwise. We do not sell or rent your information to third parties.
Please be advised that YourFinancialWatchdog.com advertisers, sponsors, or Web sites that have links on our Site may collect personally identifiable information about you when you interact with them. The information practices of those Web sites linked to YourFinancialWatchdog.com are not covered by this privacy statement and you should be sure to check the policies of those Web sites to before disclosing your personal information to them.
With whom does YourFinancialWatchdog.com share my information?
We understand that your privacy is an important issue. Generally, YourFinancialWatchdog.com will not disclose your personally identifiable information unless we have your permission or under special circumstances, such as those described below.
When the Law Requires it: If we receive a subpoena, court order, or other legal process that requires that we disclose information about a User, we have no choice but to comply with it and will disclose the required information.
Third Party Data & Data in the Aggregate: Aggregate data (data gathered across all user accounts) may be gathered in a non-personally identifiable form to build higher quality, more useful online services by performing statistical analyses of the collective characteristics and behavior of our visitors, and by measuring demographics and interests regarding specific areas and services of the Site. Aggregate data may be disclosed in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, no personal information that could be used to identify you personally is disclosed in these situations.
Third-Party Service Providers: We may employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, sending e-mail, analyzing data, providing marketing assistance, and processing credit card payments. They have access to personal information needed to perform their functions, but may not use it for other purposes. In addition, separate services may be offered by third parties, also known as external service providers. If you choose to use these services, disclose information to these parties, and/or grant them permission to collect information about you, their privacy policy governs the use of your information.
Business Transaction: YourFinancialWatchdog.com reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third party in the event of a sale or other transfer of assets or of any portion of our business. In the event YourFinancialWatchdog.com enters a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information may be among the assets transferred. You will be notified via email and prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.
Other: We may disclose account information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating YourFinancialWatchdog.com’s Terms of Use Agreement or may be causing injury to or interference with (either intentionally or unintentionally) YourFinancialWatchdog.com’s rights or property, other Site users, or anyone else that could be harmed by such activities. YourFinancialWatchdog.com may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our services.
We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Policy. For example, as stated above, we may be forced to disclose information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. We use industry standard practices to protect your privacy, however, we do not promise, and you should not expect, that your personal information or private communications will always remain private.
What are my choices regarding collection, use, and distribution of my information?
You do not have to disclose personally identifiable information to view the Site. If you choose to purchase something from us, you will need to disclose certain information as specified above to complete your transaction. YourFinancialWatchdog.com will send you emails upon completing a purchase from the Site. YourFinancialWatchdog.com may also send you our email newsletter if you opt-in to receive it at the time you register. Only YourFinancialWatchdog.com, or agents working on behalf of YourFinancialWatchdog.com, will send you these emails.
How may I use other users’ information?
Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and rules regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.
What security precautions are in place to protect the loss, misuse, or alteration of my information?
Whenever YourFinancialWatchdog.com handles your personal information, we take steps to ensure that your information is treated securely and in accordance with the relevant Terms and Conditions of Use Agreement and this Policy. We use procedural and mechanical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.
How are children’s privacy protected?
YourFinancialWatchdog.com is not designed or intended for persons under the age of 18 and, if you are under the age of 18, you are not authorized to use the Sites, or submit information to YourFinancialWatchdog.com without the permission and authorization of your parent or guardian. In addition, persons under the age of 13 are prohibited from viewing the Sites or submitting any personal information to us, regardless of parental or guardian approval. We do not sell or rent personal information about any of our users, regardless of age.
Additional Information
Any questions regarding this statement should be directed to us through the use of our Contact page, which can be found on the www.yourfinancialwatchdog.com site.
This Policy is the sole authorized statement of YourFinancialWatchdog.com’s practices with respect to the online collection of personally identifiable information and the usage of such information.
YourFinancialWatchdog.com
Terms and Conditions of Use Agreement
PLEASE CAREFULLY REVIEW THESE TERMS AND CONDITIONS OF USE BEFORE USING THIS WEBSITE. ANY USE OF THIS WEBSITE CREATES A BINDING AGREEMENT TO COMPLY WITH THESE TERMS AND CONDITIONS.
1. Introduction.
Thank you for reviewing our Terms and Conditions of Use Agreement (hereinafter the “Agreement”) for the YourFinancialWatchdog.com web site. This website is owned and operated by Your Financial Watchdog, LLC, an Indiana limited liability company (hereinafter “Your Financial Watchdog” or “We”). This Agreement applies to persons who visit, purchase from, or otherwise use the Your Financial Watchdog websites (“Users”). If you do not agree to be bound by the terms and conditions of this Agreement, do not use or access Your Financial Watchdog services (“Services”) or the YourFinancialWatchdog.com website or Your Financial Watchdog.com members site (hereinafter referred to collectively as “YourFinancialWatchdog.com” or “the Sites”).
2. About YourFinancialWatchdog.com.
YourFinancialWatchdog.com provides information and tools regarding financial issues and empowers Users to make clear financial decisions to stay on track towards financial and personal success, all from the comfort of your home. The service is designed to provide quality generic financial educational information and tools.
3. Availability and Eligibility.
Our Site and Services are available only to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to children (persons under the age of 18). This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. By offering this Site and Services no distribution or solicitation is made by Your Financial Watchdog to any person to use the Site or Services in jurisdictions where the provision of such site or services is prohibited by law. If you do not qualify, please do not use our Site.
4. Services.
The Site provides you with the opportunity to learn about personal finance issues and to purchase products and services that are designed to help you make financial decisions. You may view the Sites at no cost. However, we do charge for certain products or services that we offer through the Sites. We offer personal finance tools under payment plans that involves a recurring charge for continued access to the included tools and features.
5. Billing; Subscriptions
If you choose to purchase a product or service that we offer for sale through the Sites, we will collect information from you, including credit card information, needed to process your transaction and will charge your credit card accordingly. If you choose to subscribe to the services offered on the Sites, your credit card will be charged based on the cost of the service as then set forth on the Sites from time to time. Your initial charge will be authorized and charged at the time you order. You may cancel your program subscription at any time with 2 weeks notice. You expressly authorize such charge as well as any recurring charges. By ordering and entering into this Agreement, you acknowledge that your purchase has an initial and may have a recurring payment feature and you accept responsibility for all recurring charges prior to cancellation. You also acknowledge and agree that Your Financial Watchdog may submit recurring charges without further authorization from you until the end of the 12 month program, or when you notify Your Financial Watchdog that you wish to terminate your subscription. Your Financial Watchdog reserves the right to change its fees or billing methods at any time. We will provide timely notice to the affected Users of any such changes. You agree to promptly provide Your Financial Watchdog with any contact or billing information changes or updates, including but not limited to changes to your credit card number, billing address, credit card expiration date and email address.
6. User’s Responsibilities and Acknowledgements.
As a Your Financial Watchdog User you are obligated to read this Agreement and our Privacy Policy before you use our Sites, utilize our Services, purchase from us, or provide any information to us. You agree to read and be bound to the terms of this Agreement and those of our Privacy Policy and other policies we have now or may adopt in the future. You acknowledge that none of the information provided through the Site constitutes investment, legal, tax, accounting or any other type of professional advice nor is it intended to substitute for seeking professional advice. You should consult a qualified investment, legal, and/or tax professional before making any decisions based on information provided through the Site. For these reasons, you agree Your Financial Watchdog (and any third party providing content or tools on the Your Financial Watchdog Site) is not responsible for any losses that might occur from your use of the information contained in the Sites or accessible from the Sites, and you further agree that Your Financial Watchdog does not guarantee or endorse the suitability or potential value of any particular investment, any investment or tax strategy, that may be mentioned on the Sites.
Nothing on the Sites shall be considered a solicitation or offer to buy or sell any security, future, option or other financial instrument, or to offer or provide any investment, tax, financial, accounting or legal advice or service to any person in any jurisdiction. Any investment or market overviews provided through the Sites is intended to be for general information purposes only, and are not a substitute for seeking qualified professional tax, financial, or legal advice.
7. Restricted Activities.
You are prohibited from any use of the Sites or their contents that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Your information and activities on the Sites shall not: (a) be false, inaccurate or misleading; (b) be fraudulent; (c) infringe any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (d) violate any law, statute, ordinance or regulation; (e) contain any viruses, Trojan horses, or the like, or other computer programming routines that may damage or interfere with the Sites; and (f) create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers. You may not copy, reproduce, modify, create derivative works from, distribute or publicly display any Sites content or without the prior expressed written permission of Your Financial Watchdog and the appropriate third party, as applicable. You may not consummate any transaction on the Sites, or that was initiated using our Services, that could cause us to violate any applicable law, statute, ordinance or regulation.
8. Breach.
Without limiting other remedies, we may limit your activity, issue a warning, temporarily suspend, indefinitely suspend or terminate your membership and refuse to provide our services to you if, within our sole and independent judgment: (a) you breach, or we anticipate that you are about to breach, this Agreement or the documents it incorporates by reference; (b) we are unable to verify or authenticate any information you provide to us; or (c) we believe in our sole opinion that your actions may cause financial loss or legal liability for you, our users or us. We can also terminate this Agreement at any time, with or without cause. If you violate or otherwise breach this Agreement, Your Financial Watchdog will not issue any refunds of any amount to you and will be entitled to recover, in addition to all sums to which we are entitled or any other relief, at law or in equity, reasonable and necessary attorney’s fees and all costs of any litigation.
9. Privacy.
We only use your information as described in our Privacy Policy. Our current Privacy Policy is available on the www.yourfinancialwatchdog.com site. Your Financial Watchdog may change the Privacy Policy in the future. You should check the Privacy Policy frequently for changes.
10. Links to Third Party Sites.
There may be links established between this Site and other sites on the World Wide Web and Internet which are not under the control of, or maintained by, Your Financial Watchdog. Such links do not necessarily constitute an endorsement by Your Financial Watchdog of those sites. Your Financial Watchdog undertakes no obligation to monitor such sites, and you agree that Your Financial Watchdog is not responsible for the content of such sites or any technical or other problems associated with any such third-party Sites, Links or usage.
11. Intellectual Property.
The Site contains intellectual property that is protected by the laws of the United States as well as international law. You may not publish, re-transmit, distribute, or otherwise make unauthorized use of the material on the Site except as permitted under the applicable laws.
12. Email Policy.
Please be advised that if you provide us with your email address, you have expressly granted us the right to contact you via email.
13. Disclaimer of Warranties.
WE, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, CONTRACTORS AND SUPPLIERS PROVIDE OUR WEBSITE AND SERVICE “AS IS” AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. WE, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, CONTRACTORS AND SUPPLIERS SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. This warranty gives you specific legal rights and you may also have other legal rights that vary from state to state.
IN ADDITION, WE SPECIFICALLY DISCLAIM ALL WARRANTIES THAT THE SITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS, WILL ALWAYS BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE OR OPERATE WITHOUT ERROR; WILL BE ACCURATE, ADEQUATE, RELIABLE, COMPLETE, AND WE DISCLAIM THE USEFULNESS OF ANY OF THE CONTENT. WE DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT; ANY IMPLIED WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE; AND ANY OBLIGATION, LIABILITY, RIGHT, CLAIM OR REMEDY IN TORT, WHETHER OR NOT ARISING FROM THE NEGLIGENCE OF YOUR FINANCIAL WATCHDOG. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT, OR ANY OF OUR SERVICES, TOOLS, OR PRODUCTS. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERIVCES AND THE ACCURACY OR COMPLETENESS OF ITS CONTENT. TO THE FULL EXTENT PERMISSIBLE UNDER APPLICABLE LAW, YOUR FINANCIAL WATCHDOG DISCLAIMS ANY AND ALL SUCH WARRANTIES.
14. Limitation of Liability.
IN NO EVENT SHALL WE, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, CONTRACTORS AND SUPPLIERS, BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES HOWEVER ARISING, INCLUDING NEGLIGENCE, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT AND/OR YOUR USE OF THE WEB SITE. OUR LIABILITY TO YOU OR ANY THIRD PARTY IN ANY CIRCUMSTANCE IS LIMITED TO THE LESSER OF A) THE AMOUNT YOU PAY TO US IN ANY ONE YEAR OR B) $100. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT YOUR FINANCIAL WATCHDOG’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
15. Indemnity.
You agree to indemnify and hold us and our officers, directors, agents, employees, contractors and suppliers, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party, including but not limited to any intellectual property claim, arising out of your violation of this Agreement or your use of the Site. You further agree that you will cooperate fully in the defense of any such claims. Your Financial Watchdog reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of Your Financial Watchdog.
16. Dispute Resolution.
You agree that any controversy or claim arising out of or relating to this Agreement and/or your use of the Site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted exclusively in Indianapolis, Indiana and the judgment on the arbitration award may be entered in any court having jurisdiction thereof. Either you or Your Financial Watchdog may seek any interim or preliminary relief exclusively from a court of competent jurisdiction in Indianapolis, Indiana necessary to protect the rights or property of you or Your Financial Watchdog pending the completion of arbitration.
17. Licenses.
Your Financial Watchdog grants a limited license to each participant to make personal use only of the Site in accordance with this Agreement. This license expressly excludes, without limitation, any reproduction, duplication, sale, resale or other commercial use of the Site and the Services, making any derivative of the Site or the Services or any data extraction or data mining whatsoever. You agree that you will not compile, reproduce, republish or resell for any commercial purpose any information on our Site and not use any device, software or routine that may interfere with the operation of the Site.
18. Waiver.
Failure by Your Financial Watchdog to enforce any of its rights under this Agreement shall not be construed as a waiver of those rights or any other rights in any way whatsoever.
19. Right to Change this Agreement.
Your Financial Watchdog reserves the right to change any of the terms and conditions contained in this Agreement or any policies or guidelines governing the Sites or Services, at any time and in its sole and independent discretion. Any changes will be effective upon the posting of the changes on the Site. You are responsible for reviewing the changes. Changes to referenced policies and guidelines may be posted without notice to you. Your continued use of the Sites and the Services following Your Financial Watchdog’s posting of any changes will constitute your acceptance of such changes or modifications. If you do not agree to any changes to this Agreement, do not continue to use the Services or this Site.
20. General Provisions.
This is the entire Agreement governing the use of the Your Financial Watchdog Sites. No delay by either party shall waive rights under this Agreement. This Agreement is governed by, and to be construed in accordance with, the laws of the State of Indiana, without regard to that state’s conflict of laws provisions. By using the Site you expressly agree that personal jurisdiction and venue are proper exclusively in the state and federal courts located in the State of Indiana. No waiver of any breach of this Agreement shall be a waiver of any other provision of this Agreement, and no waiver shall be valid unless in writing signed by the parties. If any provision of this Agreement is held invalid, such provision shall be restated to reflect, as nearly as possible, the original intention of Your Financial Watchdog in accordance with applicable law and the remainder of the Agreement shall remain in full force.
21. Contact Your Financial Watchdog.
Except as explicitly stated otherwise, any notices to Your Financial Watchdog shall be given by postal mail to Your Financial Watchdog, LLC, 11807 Allisonville Road, #117, Fishers, IN 46038 (in the case of Your Financial Watchdog). You agree that you will notify Your Financial Watchdog in writing of any claim or dispute concerning or relating to the Site and the information or services provided through it and give Your Financial Watchdog a reasonable period of time to address it before bringing any arbitration or legal action.