Privacy Policy

At Financial Health Institute, we collect and manage user data according to the following Privacy Policy. We are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information. This document is part of the Terms of Service of Financial Health Institute and by using www.financialhealthinstitute.com (the “Website”), you agree to the terms of this Privacy Policy and the Terms of Service. Please read the Terms of Service in their entirety, and refer to those for definitions and contacts.

 Data Collection

We collect anonymous data from every visitor of the Website to monitor traffic and fix bugs. We may collect, store and use the following kinds of personal information:

(a)       information about your computer and about your visits to and use of this website (including [your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths);

(b)       information that you provide to us when registering with our website (including your email address);

(d)       information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including your name and email address);

(e)       information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use;

(g)      information that you post to our website for publication on the internet (including your user name, your profile pictures and the content of your posts);

(h)       information contained in or relating to any communication that you send to us or send through our website (including [the communication content and metadata associated with the communication;

Use of the Data

Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website. We may use your personal information to:

(a)       administer our website and business;

(b)       personalize our website for you;

(c)       enable your use of the services available on our website;

(d)       send you goods purchased through our website;

(e)       supply to you services purchased through our website;

(f)        send statements, invoices and payment reminders to you, and collect payments from you;

(g)       send you non-marketing commercial communications;

(h)       send you email notifications that you have specifically requested;

(i)        send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);

(j)        send you marketing communications relating to our business which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);

(k)       provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);

(l)        deal with inquiries and complaints made by or about you relating to our website;

(m)      keep our website secure and prevent fraud;

(n)       verify compliance with the terms and conditions governing the use of our website (including monitoring private messages sent through our website private messaging service)

If you submit personal information for publication on our website, we will publish and    otherwise use that information in accordance with the licence you grant to us. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party’s direct marketing.

All our website financial transactions are handled through our payment services provider, Paypal. You can review the provider’s privacy policy at www.paypal.com.

We will share information with our payment services provider only to the extent necessary for the purposes of processing payments you make via our website, refunding such payments and dealing with complaints and queries relating to such payments and refunds.

We employ industry standard techniques to protect against unauthorized access of data about you that we store, including personal information.

Disclosing Personal Inforation

We may disclose your personal information to any of our employees, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your personal information:

(a)       to the extent that we are required to do so by law;

(b)       in connection with any ongoing or prospective legal proceedings;

(c)       in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

(d)       to the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplating) selling; and

(e)       to any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

We don’t share your personal information with third parties. Only aggregated, anonymized data is periodically transmitted to external services to help us improve the Website and service. We currently use Google Analytics (traffic analysis, SEO optimization), Constant Contact (mailing list management), and Dream Host (email support). We listed below what data these third parties extract exactly. Feel free to check out their own Privacy Policies to find out more.

  • Google Analytics: anonymous (ad serving domains, browser type, demographics, language settings, page views, time/date), pseudonymous (IP address)
  • Constant Contact: name and email of our beta subscription list
  • Dream Host: anonymous

We also use social buttons provided by services like Twitter, Google+, LinkedIn and Facebook. Your use of these third party services is entirely optional. We are not responsible for the privacy policies and/or practices of these third party services, and you are responsible for reading and understanding those third party services’ privacy policies.

We employ and contract with people and other entities that perform certain tasks on our behalf and who are under our control (our “Agents”). We may need to share personal information with our Agents in order to provide products or services to you. Unless we tell you differently, our Agents do not have any right to use Personal Information or other information we share with them beyond what is necessary to assist us. You hereby consent to our sharing of Personal Information with our Agents.

We may choose to buy or sell assets. In these types of transactions, user information is typically one of the transferred business assets. Moreover, if we, or substantially all of our assets, were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of us or our assets may continue to use your personal information as set forth in this policy.

Security of personal information

We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

All electronic financial transactions entered into through our website will be protected by encryption technology.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

Changes to the Privacy Policy

We may amend this Privacy Policy from time to time. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make major changes in the way we collect or use information, we will notify you by posting an announcement on the Website or sending you an email. A user is bound by any changes to the Privacy Policy when he or she uses the Services after such changes have been first posted.

  1. Cookies

We use only session cookies on our website.

You can delete cookies already stored on your computer; for example:

(a)       in Internet Explorer (version 11), you must manually delete cookie files (you can find instructions for doing so at http://windows.microsoft.com/en-gb/internet-explorer/delete-manage-cookies#ie=ie-11);

(b)       in Firefox (version 39), you can delete cookies by clicking “Tools”, “Options” and “Privacy”, then selecting “Use custom settings for history” from the drop-down menu, clicking “Show Cookies”, and then clicking “Remove All Cookies”; and

(c)       in Chrome (version 44), you can delete all cookies by accessing the “Customise and control” menu, and clicking “Settings”, “Show advanced settings” and “Clear browsing data”, and then selecting “Cookies and other site and plug-in data” before clicking “Clear browsing data”.

Our details

You can contact us by writing to the business address given above, by using our website contact form, by email to shawn@fhinst.com or by telephone on (303) 204-3144.