Privacy Policy

This Privacy Policy discloses the privacy practices of befinanciallyhappy.com (“Website”).  It explains how your information is collected, stored, used, and shared when collected by us.  You agree to our privacy practices which are accepted through your use of our Website.  If you do not agree with this policy and our practices, you are not authorized to use our Website. 

INFORMATION COLLECTION.

We collect the following categories of information about you when you visit and use our Website or participate in our Surveys or other promotions: 

(a) Personal Information.  Your name, address, telephone number(s), mobile numbers and email address, employment status or other unique information you provide to us during the registration process, through our online surveys or through the course of communicating with us for any reason.  

(b) Demographic Information.  This includes your zip code, mobile phone carrier, age, gender, salary range, education, marital status, occupation, military service, industry of employment, personal and online interests.  If you can be personally identified through this information, it is Personal Information.

(c) Our Website.  We track and record the pages, articles and ads you visit on our website, what services or products you access or order, information about your computer hardware and software, including your IP address, general geographic location of the computer or device you are using, browser preference, operating system and other websites you visit.  When we can identify you personally, through the use of this information, it is Personal Information.  

(d) Third-Party Information.  We may collect personal and non-personal information about you from a third-party which may include personal, demographic, and technology information.  This includes information found in cookies or persistent identifiers, and email opt-in records.  We may not have access or control over these cookies and other tracking devices as they are owned and used by unaffiliated parties including advertisers, networks, ISPs, analytics consultants, or social media networks.  We have no responsibility or liability for the policies and practices of these parties.  

(e) Technology Information.  We automatically collect your IP address, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data from cookies, web beacons or other technology.  

(f) No Information Collected from Children.  We will never knowingly collect any Personal Information from anyone under the age of 16.  If we accidently do collect such information, we delete the same upon notice. 

TECHNOLOGY COLLECTION.

We, our vendors, networks, ISP(s) and supporting advertisers use technologies such as cookies, web beacons, and java scripts to collect information about you.  Using these technologies, we collect your IP addresses, browser type, ISP, referring/exit pages, operating system, date/time stamp, and/or clickstream data.  We use this to analyze trends, monitor and update our Website, ease of movements through our Website and gather demographic information about our user base, as a whole, to attract advertising on our Website.  We may create reports or logs based on these technologies on an individual or aggregated basis.  California residents should be advised we do not respond to do not track signals or cookies.  

(a) Cookies.  If enabled, cookies store small amounts of information on your computer about actions you take on our Website.  This helps us track which of our features you visit most often, and what content you view and keep track of the number of return visits.  We accumulate and aggregate statistical information generally pertaining to our Website, to market our website and deliver specific content to you based on your past viewing history.  You can modify or disable cookies, but our Website may not function properly for you.  You may read more about cookies at http://cookiecentral.com/faq/.

(b) Third-Party Cookies.  We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history.  To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en.  We also participate in all of Google’s Analytics Advertising.  This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting.  Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie.  To opt-out please see https://tools.google.com/dlpage/gaoptout/.  We also use Google Analytics which is an analysis service.  Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services.  You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/. 

(c) Social Media Cookies.  All social media platforms use cookies to collect your IP address, which page you are visiting and to enable the feature to function properly.  Social media features are either hosted by a third-party or hosted directly on our Website.  Your interactions with these features are governed by the Privacy Policy of the company providing it.

(d) Web Beacons.  We use web beacons to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising.  Web Beacons collect only a limited set of information including a cookie number, time, and date of page view, as well as a description of the page on which the Web Beacon resides.  We may also use Web beacons in email messages sent to you.  This allows us to determine if you opened or acted upon the email message.  Because Web beacons are the same as any other content request, you cannot opt-out or refuse them.  However, they can be rendered ineffective by either opting-out of cookies or changing the cookie setup in your browser.

USE OF INFORMATION. 

(a) We use the information to provide you with the services and/or products you have requested.  We may share your information with a third-party to provide such services or products.  We do not control the privacy practices of third-parties.  Please contact the third-party with any questions about their privacy practices. 

(b) We use the information to respond to any questions you have, operate, and improve the functionality of our Website, and deliver the products and services.  We use the information for testing, research, analysis and product or marketing development.  Our services include the display of personalized products, content, and advertising, relating to your experience and interests.  This includes maintaining and improving the safety, security and integrity of our Website, databases, and technology assets.

(c) We use the information to provide other promoted campaigns, products, and services to you that might be of interest to you.  Other parties will use the information we share to provide you with their services and products.  We also use the information to respond to your questions, concerns or requests.  

SHARING AND SALE OF INFORMATION.

(a) Generally.  All information, including the personal information, may be used for any purpose we deem appropriate and may be given or disclosed to our affiliates, partners, vendors, advertisers, licensees, and third-parties.  You agree that when you disclose personal information (name, email address, zip code) on or in connection with your use of our Website, Surveys or promotions, such information can be monitored, collected used and shared by us or others and may result in unsolicited messages from other users or third-parties.

(b) Website Functionality.  We share all categories of information set out in this policy with third-party Service Providers we employ to perform technical or analytical functions on our behalf.  Examples include third-parties who host our Website, analyze our data, provide marketing assistance, and provide customer service.  

(c) Third-Party Products and Services.  We share all categories of information set out in this Privacy Policy with third-parties including affiliated entities, service providers, and data aggregators with your information with third-parties who will provide you with their opportunities, products, or services.  

(d) Anonymized information.  We share aggregated anonymous information about you, combined with Service Providers and other third-party vendors and clients for their analysis, promotion, and marketing.  This includes demographic information and behavioral information.

(e) Legal Process.  We disclose your information, if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. 

(f) Acquisition or Merger.  We may disclose and transfer your information to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets.  In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver, or administrative receiver may sell, license, or otherwise dispose of, such information in a transaction approved by the court. 

THIRD-PARTY COLLECTION AND USE OF INFORMATION.

(a) Advertisers.  Advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own technology to collect information about you.  We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.  We also do not control how such information is used or shared.  Please be sure to read their privacy policy and practices. 

(b) Links.  For your convenience, our Website and email messages sometimes contain hypertext links to websites owned by third-parties.  We are not responsible for the privacy practices or the content of such other websites.  We do not operate or control any information, software, products, or services, available on these third-party websites.  The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization. 

(c) Analytics.  As described above, we use Service Providers to monitor, analyze and report on the traffic to, from and within our Website and email messages. 

(d) Disclaimer to Third-Party Collection and Use.  Our Website offers links to other websites, including links embedded in advertisements and links to various news sources not under our control.  These other websites may have information policies and practices different from ours.  In addition, certain companies associated with our Website have their own privacy policies.  We do not own or control such companies and websites and are not responsible for the privacy policies or practices or the content of websites.

(e) Storage and Security of Information.  We use reasonable industry-accepted technology and controls to protect your information and data from disclosure to unauthorized third-parties.  Although mostly effective to prevent disclosure, no guarantee can be given that all information you provide to us will not be accessed by unauthorized persons.  Thus, please note that no method of transmission over the Internet or method of electronic storage is 100% secure.  Any transmission of data to use or through our Website is at your own risk. 

(f) Changes to Privacy Policy.  We have the right to make material changes to this Privacy Policy.  We will post those changes through a prominent notice on the website with no further notice to you.  Please review this policy often so that you will always know what information we gather, how we might use that information, and with whom we disclose, share, and sell it.

(g) Opting Out.  If, at any time, you prefer not to receive email marketing information or newsletters from us, simply click the unsubscribe link at the bottom of each email or write to us at [email protected].  

CALIFORNIA RESIDENTS RIGHTS.

CALIFORNIA SUPPLEMENTAL NOTICE

Shine the Light:  One time a California resident can ask us to disclose what information we received or shared about them and from what category of third-parties this was done for marketing purposes. California residents also have the right to know we do not respond to do not track signals or cookies.  Please make this request by calling us toll free at 866-230-7782

California Consumer Protection Act of 2018 and California Privacy Rights Act of 2020: 

This portion of our Privacy Policy is for California Residents This notice is intended to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”) (collectively “CCPA”). Any terms defined in the CCPA have the same meaning when used in this notice. The Purpose of this Notice is to provide you with a description of our practices regarding the collection, use, disclosure, and Sale of your Personal Information and how to review, correct or delete your information. California Consumers may submit any of their rights requests to 866-230-7782 or use this form.

California Resident Privacy Rights.

Right to Know About Personal Information Collected, Disclosed, or Sold and Right to Correct.

You have the right to request that we advise you what Personal Information we collect, use, disclose, and sell that belongs to you.  By submitting a verifiable consumer request using the link above, you may receive the specific Personal Information we have collected about you, where we collected the information and the category of other parties with whom we have disclosed, shared or sold your information. .  We are required to verify that you are the same consumer with whom we have the information in our systems.  To verify your identity, we will require that you fill out a form in its entirety which includes your name, address, email address and other Personal Information we have collected.  Please note that we have collected your Personal Information from the following sources and in the following manner: 

1. Information you provide us when you enter promotions or sweepstakes offered by us or our clients including networks and advertisers.
2. Information you provide us through telephone and web-based surveys, customer service correspondence, and general feedback.
3. Information we received directly or indirectly from our clients. 
4. Analytics companies who provide demographic information such as gender, zip code, or any information that is not tied to your Personal Information.  In addition, we may receive information about you from other online or offline sources, including third parties from whom we validate consumer self-reported information, and verify information we already have about you.  This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.  
5. We also collect information provided by Service Providers and other third parties as set out in our main Privacy Policy, our advertisers, ad networks and third-party technology companies.

We have disclosed, shared and/or received compensation for our disclosure of Personal Information for the following commercial purposes in the preceding 12 months:

1. To obtain payment for our services or products.
2. To allow a third-party to market their products or services to you.
3. To provide you with information, products or services or resolve your questions or request to opt-out of marketing.
4. To provide you with marketing about our clients’ services that may be of interest to you.
5. To carry out our obligations and enforce our rights arising from any contracts entered into.
6. To improve our products and services, and present its contents to you including testing, research, analysis, and product development.
7. To personalize your experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads via email or text message (with your consent, where required by law).
8. To maintain the safety, security, and integrity of our platforms as well as products and services, databases and other technology assets, and business.
9. To respond to government or law enforcement requests and as required by applicable law, court order, or governmental regulations.
10. To evaluate or conduct a merger, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets.
11. As described to you when collecting your Personal Information or as otherwise set forth in the CCPA.

We have disclosed Personal Information to the following categories of third-parties:

1. Our affiliated entities.
2. Our Service Providers. 
3. Data aggregators.
4. Advertisers and Ad Networks.
5. Third parties to whom you or your agents authorize us to disclose your Personal Information in connection with products or services we and/or third parties provide to you.

We do not collect, distribute, share, or sell the Personal Information of anyone under the age of 16.

Right to Request Deletion of Personal Information.

You have a right to request the deletion of your Personal Information. We will honor this request and delete your information unless precluded from deleting the information by contract or statute and we will inform you if we do not delete your Personal Information. 

Right to Opt-Out of the Sale of Personal Information.

You have the right to opt-out of any sale of your personal information.  If you information was submitted for the purchase of a sale or service, and we are required to process that purchase, we will share you information only with the parties necessary to complete the sale.  You may use an Opt-Out Preference Signal, such as the Global Privacy Control (GPC), to opt-out of the sale/sharing of your personal information. However, this technology and our use of it is not fully developed by the market. Our database containing your information may not be linked to your browser identification and because your request to opt-out of sale/sharing will be linked to your browser identifier only and not linked to any account or database information as the connection between your browser and our database is not known to us, we may not be able to fulfill this request. If you would like us to make the connection between your browser and your account within our database, or wish to opt out of the sale of your personal information, please call us toll free at 866-230-7782.

Right to Non-Discrimination.

You have a right not to be discriminated for the exercise of these privacy rights conferred by the CCPA.  We will not deny you goods or services, charge you different prices or rates for goods or services, or deny you discounts or other benefits; nor will we provide you a different level or quality of goods or services or recommend a different level or quality of goods or services.

Authorized Agent.

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information.

Limitations on Requests.

You may only make a verifiable consumer request for access twice within a twelve (12) month period and you must provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or your authorized agent; provide sufficient detail that allows us to properly understand, evaluate, and respond to you.  We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Time and Response Format

We make every effort to respond to a verifiable consumer request within forty-five (45) days of its receipt.  If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.  We provide only the twelve (12) month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons why we cannot comply with a request, if applicable.  We will provide our response in a manner that is readily useable that you can give the information from one entity to another entity without hindrance. 

Changes to California Resident Privacy Notice. We reserve the right to amend this privacy notice at our discretion and at any time.  When we make changes to this privacy notice, we will enforce the terms of the new policy going forward.  You will receive no other notice than an updated posting on this page. Please check back each time you enter our Website.

Contact Information.

If you have any questions or comments about this Privacy Statement, please do not hesitate to contact us at: [email protected].