Privacy Policy

1.    General

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").

1.2.    This privacy policy sets out the data processing practices 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 to FA4ME's Terms of Use available on the Website. All capitalized terms shall have the meaning set in the Terms of Use.

2.    Registration

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 leave the Website and are subject to the privacy policy of such site (e.g., the Payment Method Provider website). This Privacy Policy covers the use of personally 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, they may also use cookies on their web site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by FA4ME only.

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 Website.

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) years.

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 business.

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 OUT OF, OR IN ANY WAY RELATING TO, THE FA4ME PRIVACY POLICY, ACCESS TO THE WEBSITE 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 information, any queries with regard to our privacy policy practices, or You want to request deletion of Your account with Us, please contact us at info@planandact.com.

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.

8.    Amendments

We reserve the right to amend this Privacy Policy at any time, and any amended Privacy Policy will become effective when posted on the Website. Please make sure to check Our most current form of Privacy Policy, as posted on our Website.

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