1.1. It is our policy to protect the privacy of all nonpublic
personal information we collect, including information about our current and former
clients and our current and former prospective clients (collectively, "Users", and
herein - "You").
carried out through the use of the Internet and any other electronic communications
networks by FINANCIALADVICE4ME, LLC. and its subsidiaries and affiliates ("FA4ME")
over its website at www.planandact.com (the "Website"), and is in addition
2.1. Users' Registration. Users are welcome to browse our Website.
However, in order to use certain Services, a User must first complete registration
forms. You may choose not to provide Us with Your personally identifiable information
by simply not entering it on the Website. You will still have access to the Website,
but You will not be able to use certain of the features or the Services available
on the Website.
3. Information Collected
3.1. Information You provide. We receive and store any information
You enter on our Website or provide to us in any other way, including through use
of the interactive text-based Automatic Interviewing System licensed by us. Thus,
the information provided may include, without limitation, Your personal identification
information such as name, email address, age and additional demographic data; payment
and account details and balances; personal financial information (assets, income,
liabilities, credit rating, investment activity, etc.); and tax information, provided
by You in connection with the service or advice sought.
3.2. Linked Websites. If You reached the Website by clicking on
a link or any type of advertising from another site, We may also log that information.
When You access Payment Method Providers' or any other third party website, You
identifiable information by FA4ME only. FA4ME is not responsible for any actions,
omissions, or privacy policies of such third parties.
3.3. Automatic Information Collected. We receive and store certain
types of information whenever You interact with Us:
3.3.1. Every time You visit our Website, move from page to page,
read pages, or download content to Your computer, we learn which pages are visited
and what content is downloaded. However, this is measured only in aggregate and
not on an individual basis. When You send Us an e-mail or ask Us to respond to You
by e-mail, We learn Your e-mail address and the information that You have provided
using the same.
3.3.2. The Website may send one or more cookies to Your computer,
that uniquely identify Your browser. Cookies are used to improve the quality of
the services We provide by storing user preferences and tracking user trends, or
to determine whether You have visited the Website before. However, unless You provide
Us with personally identifiable information, the cookies will not include personally
identifiable information that would allow Us to personally identify You. If
You visit the website of any third party by clicking on a link from our Website,
3.3.3. FA4ME receives and records certain "traffic data" on our
server logs from Your browser, including Your IP address, domain server, type of
computer, type of web browser and the page You requested. FA4ME uses this traffic
data to help diagnose problems with its servers, analyze trends and administer the
3.3.4. Some links on FA4ME's Website may be formatted in a way
that enables FA4ME to keep track of whether these links have been followed.
3.3.5. If You choose to use the FA4ME Services, Your assisted
access to various websites (indicated by icons on the Website) may be in fact routed
through the FA4ME web services. We do not monitor Your browsing in any way besides
those mentioned above.
4. Protection Measures
4.1. FA4ME understands that the information You provide Us is
of personal nature. Accordingly, all personally identifiable information transmitted
to FA4ME is encrypted using advanced technologies, and a password is needed to use
portions of our Services (such as use of the Automatic Interviewing System and payment
in consideration for receipt of the Advice). In accordance with Applicable Laws,
We are required to keep any information You provides us for a period of five (5)
4.2. In addition, back up of Your personal data is made on a daily
basis, on a separate mirror server used for such purpose.
4.3. FA4ME has adopted internal procedures and policies reasonably
designed to protect Your personally identifiable information. FA4ME restricts access
to personal information on a need-to-know basis. Only employees who need personal
information to perform a specific task (for example, a customer service representative)
are granted access to it. All of our employees are kept up to date on our privacy
and security practices. We cannot, however, ensure or warrant the security of any
information You transmit to FA4ME and You do so at Your own risk.
4.4. When You access or use the Payment Method Provider's services,
You leave this Website and Your credit card transactions are processed through such
Payment Method Provider's secure connection. This privacy statement covers the use
of protection measures by FA4ME only.
5. Use of personally identifiable information
5.1. We use Your Registration Information for the sole purpose
of providing the Services and responding to Your requests.
5.2. We use the aggregate statistical information we collect to
analyze and improve the use of our Services and the Website, to analyze the provision
of professional services through our Services, and for similar other purposes.
5.3. In relation to the information We gain when You e-mail us,
We may use Your e-mail address to acknowledge Your comments or reply to Your questions,
and We may store our communications in case We need to correspond at a later date.
Except as stated herein, e-mail addresses are not shared with any other organization
for commercial or non-commercial use.
5.4. We will disclose personal information to Payment
Method Providers, as necessary for the provision of the Services. We may also disclose
personal information to subcontractors acting on our behalf and other companies
within our group of companies as required for the provision of our Services, to
government bodies and law enforcement agencies, and to successors in title to our
5.5. Through Your use of the Services You acknowledge that We
may share Your personally identifiable information with the aforesaid third parties,
and YOU HEREBY RELEASE AND FOREVER DISCHARGE FA4ME, PLANANDACT.COM
OR ANY OF ITS STOCKHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES AND OTHER REPRESENTATIVES
AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL LIABILITIES, CLAIMS,
COUNTERCLAIMS, DEMANDS, SET-OFFS OR DAMAGES WHICH YOU NOW HAVE, OR WHICH MAY HEREAFTER
ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING
OR USE OF THE SERVICES .
6. Children Under the Age of 16
The Website is not intended for children under the age of 16, and FA4ME does not
knowingly collect or use personally identifiable information from children under
the age of 16.
7. Opting Out and Contact Information
7.1. As stated previously, You can always opt not to disclose
information, but then You may be unable to use certain features on our Website.
7.2. You can always update Your personally identifiable information
by accessing Your profile page.
7.3. If You have any request concerning Your personally identifiable
to request deletion of Your account with Us, please contact us at
7.4. In addition, if We send e-mails to You which You do not wish
to receive, You may opt-out of receiving non-administrative e-mails from Us simply
by responding to the opt-out link provided on all e-mail communications from FA4ME.
Policy will become effective when posted on the Website. Please make sure to check