Disclosures

IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY, PLEASE DO NOT USE OUR WEBSITE OR SERVICES.

The Effective Date of this Privacy Policy is set forth at the top of this Policy. Whenever possible, we will provide you with advance written notice of our changes to this Privacy Policy, including here on the website. We will not make retroactive changes that reduce your privacy rights unless we are legally required to do so. Your continued use of our website or Services after the Effective Date constitutes your acceptance of the amended Privacy Policy. The amended Privacy Policy supersedes all previous versions.

INFORMATION WE COLLECT

We collect various kinds of information that you provide to us as well as information we obtain from your use of our website and Services. Some of the types of information that we collect include:

“Personal Information”—information associated with or used to identify or contact a specific person. Personal Information includes: (1) contact data (such as e-mail address, telephone number and employer); (2) demographic data (such as gender, date of birth and zip code); (3) certain Usage Data (defined below), such as IP address; and (4) any information you submit to us via the website (such as through a contact form).

Certain Personal Information, such as information about personal health or finances, is characterized as Sensitive and subject to stricter regulation than other personal information. Before providing it to use, we urge you to carefully consider whether to disclose your Sensitive Personal Information to us. If you do provide Sensitive Personal Information to us, you consent to its use and disclosure for the purposes and in the manner described in this Privacy Policy.

“Usage Data”—information about an individual's online activity that, by itself, does not identify the individual, such as:

• Technical information, including your browser type, service provider, IP address, operating system and webpages visited.
• Information about what you've searched for and looked at while using our website or Services.
• Metadata, which means information related to items you made available through the website or Services, such as the date, time or location that a shared photograph or video was taken or posted.

(Generally, we do not consider Usage Data as Personal Information because Usage Data by itself usually does not identify an individual. Personal Information and Usage Data may be linked together. Different types of Usage Information also may be linked together and once linked, may identify an individual person. Some Usage Data may be Personal Information under applicable law.)

“Location Data” is another category of Personal Information we may collect about the location of a mobile device or computer, including:

• The location of the mobile device or computer used to access the website or Services derived from GPS or WiFi use.
• The IP address of the mobile device or computer or internet service used to access the website or Services.
• Other information made available by a user or others that indicates the current or prior location of the user, such as information you provide via a contact form.

How We Collect Information

Whether we collect certain types of information and how we process it depends on how you use and access our website or Services. Some information is collected automatically through use of cookies and similar data collection tools. We collect information about you in the following ways:

• From You. We collect information from you when you:
  • Use our website or Services. We collect Personal Information from you when you create an account to use one of the Services, contact us for help or information or otherwise voluntarily provide your Personal Information. We also automatically collect Usage Data when you interact with the website or Services.
  • Submit information to us through a form on the website. This could be via a contact form, a lead-generating form, an email subscribe form, etc.
• From Our Business Partners and Service Providers.
• Third parties that assist us with our business operations also collect information (including Personal Information and Usage Data) about you through the Services and share it with us. For example, our vendors collect and share information with us to help us detect and prevent fraud.

• We may combine the information we collect from you with information from other sources and use the combined information as described in this Privacy Policy.

• From cookies and other data collection tools.
• We, along with the service providers that help us provide the Services, use small text files called “cookies”, which are small computer files sent to or accessed from your web browser or your computer's or tablet's hard drive that contain information about your computer, such as a user ID, user settings, browsing history and activities conducted while using the Services. Cookies are not themselves personally identifiable but may be linked to Personal Information that you provide to us through your interaction with the Services. A cookie typically contains the name of the domain (internet location) from which the cookie originated, the “lifetime” of the cookie (i.e., when it expires) and a randomly generated unique number or similar identifier.
• Cookies help us improve our website and Services by tracking users' navigation habits; enabling us to analyze technical and navigational information about the website and Services; and helping to detect and prevent fraud.
• We also use other cookies and other data collection tools (such as web beacons and server logs), which we collectively refer to as “data collection tools,” to help improve your experience with the website or Services.
• The website or Services also may use data collection tools to collect information from the device used to access them, such as operating system type, browser type, domain and other system settings, as well as the operating system used and the country and time zone in which the computer or device is located.
• Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org.
• Some web browsers (including some mobile web browsers) provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user's computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Services.

How We Use Your Information

We may use the information we collect for any of the following purposes:

• To provide the website or Services to you.
• To operate, improve and personalize the products and services we offer, and to give each user a more consistent and personalized experience when interacting with us.
• For customer service, security, to detect fraud or illegal activities, or for archival and backup purposes in connection with the provision of any Services.
• To better understand how users access and use the website or Services, for the purposes of trying to improve the website or Services and to respond to user preferences, including language and location customization, personalized help and instructions, or other responses to users' usage of the website or Services.
• To help us develop our new products and services and improve our existing products and services.
• To provide users with advertising and direct marketing that is relevant to your engagement with Spectrum Wealth Strategies.
• To assess the effectiveness of and improve advertising and other marketing and promotional activities on or in connection with our website or Services.

Please note that, in order to provide you with a better experience and to improve the website or Services, information collected through the website or Services may, subject to user privacy controls (if available), be used in an aggregated or individualized manner.

For example, personal information collected during use of our website or one of the services may be used to suggest particular content that can be made available to the user elsewhere (e.g., via email, social media, or other platforms) or be used to try to present more relevant advertising in one of those alternative platforms.

How We Share and Disclose Your Information

We may share and disclose information as described at the time information is collected or as follows:

• When you consent. We may share Personal Information with third parties if you have given us your consent to do so. We will only share Sensitive Personal Information when you have given us your opt-in consent.
• To perform services. We may disclose Personal Information to third parties in order to perform services requested or functions initiated by users, such as [ ]. In addition, we may disclose Personal Information in order to identify a user in connection with communications sent through the website or Services. We also may offer users the opportunity to share information with friends and other users through the website or Services.
• With third party service providers performing services on our behalf.
• We share information, including Personal Information, with our service providers to perform the functions for which we engage them (such as hosting and data analyses). We may share information as needed to operate other related services.
• For legal purposes. We also may share information that we collect from users, as needed, to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose Personal Information as we deem necessary to respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process. We may also share Personal Information as required to pursue available remedies or limit damages we may sustain.
• In aggregated form. We may share Personal Information about you in an aggregated form—that is, in a statistical or summary form that does not include any personal identifiers—with third parties in order to discover and reveal trends about how users like you interact with our services.
• During corporate changes. We may transfer information, including your Personal Information, in connection with a merger, sale, acquisition or other change of ownership or control by or of us or any affiliated company (in each case whether in whole or in part). When one of these events occurs, we will use reasonable efforts to notify users before your information is transferred or becomes subject to a different privacy policy.

Information Storage and Security

We retain information as long as it is necessary and relevant for our operations. We also retain Personal Information to comply with applicable law, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation, collect any fees owed, and other actions permitted by law.

We employ industry-standard security measures designed to protect the security of all information submitted through the website or Services. However, the security of information transmitted through the internet can never be guaranteed. We are not responsible for any interception or interruption of any communications through the internet or for changes to or losses of data. Users of the website or Services are responsible for maintaining the security of any password, user ID or other form of authentication involved in obtaining access to password protected or secure areas of any of our digital services. In order to protect you and your data, we may suspend your use of any of the website or Services, without notice, pending an investigation, if any breach of security is suspected. Access to and use of any password protected and/or secure areas of any of the website or Services are restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

Your Rights

It is important to us that you are able to access and review the Personal Information we have about you and make corrections to it or delete it, as necessary. You can Contact Us to update or correct the information we have on file about you. If you have any questions about how to access your Personal Information, please contact us.

Links to Third Party Services

Our website or Services may contain links to third-party websites and services (“Third Party Services”) with which we have no affiliation. A link to any Third-Party Service does not mean that we endorse it or the quality or accuracy of information presented on it. If you decide to visit a Third-Party Service, you are subject to its privacy policy and practices and not this Privacy Policy. We encourage you to carefully review the legal and privacy notices of all other digital services that you visit.

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