What personal information do we collect from the people that visit our blog, website or app?
When completing a form on our site, as appropriate, you may be asked to enter your name, email address, phone number or other details to help you with your experience.
When do we collect information?
We collect information from you when you subscribe to a newsletter, fill out a form or enter information on our site.
How do we use your information?
We may use the information we collect from you when you sign up for our newsletter, surf the website, or use certain other site features in the following ways:
- To send periodic email newsletters.
- To follow up with you after correspondence (i.e. email or phone inquiries).
How do we protect your information?
We do not use vulnerability scanning and/or scanning to PCI standards, as our website only provide articles and information. We never ask for credit card numbers.
We do not use an SSL certificate, as our website only provide articles and information. We never ask for personal or private information like credit card numbers, and we ask for information as names and email addresses only if you choose to volunteer such information in order to inquire about our services or subscribe to our newsletter.
Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, it won’t affect the user’s experience.
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.
However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
We do not include or offer third-party products or services on our website.
California Online Privacy Protection Act
According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
You can change your personal information:
- By emailing us
- By calling us
How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking?
It’s also important to note that we do not allow third-party behavioral tracking.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
- Within 7 business days
We will notify you via letter
- Within 7 business days
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
- Send information, respond to inquiries, and/or other requests or questions.
- Send you additional information related to our services.
- Market to our mailing list or continue to send emails to our clients after a formal engagement has been signed.
To be in accordance with CANSPAM, we agree to the following:
- Not use false or misleading subjects or email addresses.
- Identify the message as an advertisement in some reasonable way.
- Include the physical address of our business or site headquarters.
- Monitor third-party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly.
- Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email, and we will promptly remove you from ALL correspondence.
General Data Protection Regulation (GDPR)
Visitors to this website who reside in the European Union (EU) are entitled to certain rights and information under the General Data Protection Regulation (GDPR). If you live in the EU, here are some of the rights you have been granted under the GDPR:
- You have the “right to be forgotten,” i.e. the ability to request that all of your Personally Identifiable Information be deleted from any and all databases in which they are stored.
- You have the right to any and all Personally Identifiable Information that we have in our possession.
- You have the right to be informed about what Personally Identifiable Information we collect, how and where this information is stored and processed, as well as how we share this information with third parties (if applicable).
- You have the right to seek restrictions on, or object to, the processing of your Personally Identifiable Information.
- If you have given us explicit consent to use your Personally Identifiable Information, you have the right to revoke that consent at any time.
- You have the right to have any of your Personally Identifiable Information be corrected if it is inaccurate.
- You have the right to file a complaint with the supervisory authority in your country that has jurisdiction over issues related to the GDPR.
For a complete list of the rights you are entitled to as a data subject, please go to: https://gdpr-info.eu/chapter-3/
Innovative Financial Services, LLC
50 Founders Plaza, Suite 301
East Hartford, CT 06108
Last Edited on 2018-06-15