Last Update: Nov 26, 2020
This Agreement sets forth the terms and conditions that apply to your access and use of the Internet Web site located at http://financial-cents.com/ (the "Site"). The Site is owned and operated by Financial Cents, LLC., a Tennessee limited liability company ("Financial Cents"). By using the Site, you agree to be bound by the terms and conditions of this Agreement, as it may be amended from time to time in the future (see "Modifications" below).
This Privacy Statement describes Financial Cents’ (financial-cents.com) (referred to as “we”, “our”, or “us”), collection, use, disclosure, and protection of your personal information collected or provided through our websites and devices or applications (“Site”) and how we use personal information in connection with our services offered through the Site (“Services”). It applies to any Site where this Privacy Statement is referenced or linked to.
“Personal information” is information that identifies you and is associated with a specific person or company. Personal information does not include information that is anonymous, aggregated, or is no longer identifiable to a specific person.
Information we process may be transferred to, stored, and processed in, the United States or any other county in which Financial Cents or its affiliates, subsidiaries, or service providers maintain operations. By using and providing information to us through the Site or Service, you agree and consent to the transfer, storage, and processing of your information to any such country in order to provide the Site and Service. Our Site and Services are not intended for children under the age of 13 or if you are not of a legal age to form a binding contract with Financial Cents. We do not knowingly collect personal information from these individuals.
We may collect the following categories of personal information about you through the Site, including but not limited to:
We use your personal information to:
In order to allow you to use certain Services, we may be required to verify your identity. To do so, we may, directly or through third parties, use information you provide to order a credit report or to verify information you provide against third party databases or through other sources. We may also use your information to verify your identity in the event you contact us for assistance with the Sites or Services.
We may use your information to pre-fill form fields on the Sites for your convenience.
We may use the checking account and credit card information you provide to confirm your accounts are valid and to access funds from your accounts pursuant to your instructions in connection in connection with payment for Services that you subscribe to.
We may use information you provide about Third Party Sites to provide the Services, which may include accessing the Third Party Sites you select on your behalf, so that we can present the requested information to you. When you use a Mobile Application or mobile versions of our Sites, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers, advertisers, and others to uniquely identify your device for purposes of storing application preferences and other data.
We may use Device IDs to monitor suspicious activity. For example, if we detect that a single account on a Site is being accessed from multiple devices, as determined by tracking the Device IDs that access an account, we may contact the user to ensure that such access has been authorized by the user.
We will not, without your permission, sell, publish, or share your personal information to third parties for their marketing purposes.
We may share your personal information with affiliate and third party accounting services to provide joint content, products, services, and for everyday business purposes. Financial Cents may share your personal information with its affiliates and subsidiaries to provide joint content, products, services, and for everyday business purposes.
We may share your personal information with third party service providers to enable them to assist in fulfilling the requests you make or the transactions you conduct via the Sites, including the operation of certain Site functions and Services. Third parties acting on our behalf that are given access to your personal information are contractually obligated to abide by our privacy practices and are not allowed to use the information for any other purposes.
We reserve the right, in our sole discretion, to share or disclose your personal information with law enforcement, government officials, and other third parties:
We may share your personal information with other third parties with your consent or instructions to do so.
We may share or make available anonymous or aggregate information that cannot be used to identify you individuals with:
If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third parties, information concerning your relationship with us, including, without limitation, personal information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our Sites and such third parties will assume the rights and obligations regarding such information as described in this Privacy Statement.
We take the security of your information seriously. We use technical and administrative security measures such as but not limited to firewalls, encryption techniques, and authentication procedures, among others, to maintain the security of your online session. The servers and the backups containing your information and personally identifiable information are kept within the United States of America.
We may send periodic Site related alerts, weekly summaries, notifications, newsletters, promotions, or other information via email. You may choose to stop receiving alerts, summaries, newsletters and promotions by indicating your preference in your account profile or settings. You may also follow the unsubscribe instructions in the email you receive. Please note that certain Services-related messages that we send are necessary for the proper functioning and use of the Services and you may not have the ability to opt-out of those messages.
We may offer bulletin boards, blogs, chat rooms, message boards, or similar public forums where you can communicate with us or other users. Any information that you submit or post to these blogs or other forums could be viewed by other viewers or may otherwise be publically available. If you choose to post personal information, other viewers may use this information to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these blogs and other forums. If you would like to request removal of your information from our blogs or other forums, please contact us using the information provided at the end of this Privacy Statement. In some cases, we may not be able to remove your information, in which case we will let you know if we are unable to do so.
To help operate the Site, enhance you experience, and collect information about online activity, we may place small data files on your computer or other device. These data files may be in the form of cookies, pixel tags, local shared objects, or other similar technologies. Cookies and similar technologies enable us to personalize our Site and Service for you. These technologies may allow us to store and manage you preferences and settings, measure and analyze how you use our Site and effectiveness of our communications, offer targeted products, programs and services, and help us improve our products, services, and security.
Most browsers provide you with the ability to block, delete, or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your browser manufacturer’s help pages for assistance with changing your settings.
We do not respond to Do Not Track Signals (“DNT”) at this time.
You may access, review, and update much of the information you have submitted to us at any time via the Site or Service.
You may choose to close or request that we delete your account for the Service at any time. We will use commercially reasonable efforts to remove your information, although some information may be retained. For example, some information may be retained on a backup server or media, which is necessary to help ensure continued availability of our Service.
We may update this Privacy Statement periodically. Changes are effective immediately upon posting. The date last revised appears at the top of this Statement.
If you have questions or concerns regarding this Privacy Statement, our security practices, or our information handling practices, please contact us by either by e-mail or by our physical address below:Financial Cents, LLC