Freedom Goal Group Privacy Policy

PRIVACY POLICY

FREEDOM GOAL GROUP

Last Revised: August 27, 2024

Welcome to the Freedom Goal Group’s website (https://freedomgoalgroup.com/) (the “Site”), of R&J Advisory Group, Inc. (collectively “Company”, “we” or “us”). Your privacy matters to us and this is our Privacy Policy.

Please read our Privacy Policy carefully as it constitutes a legal agreement between you and us. Any participation in the site or use of our Services will constitute acceptance of our Privacy Policy. If you do not agree to abide by this Privacy Policy or our Terms of Use, please do not use our Site or our Services.

OVERVIEW

This Privacy Policy describes:

Information that we receive from you when you interact with the Site or the Services
Why we collect such information
How we use and process the information that we receive
If and why Personal Information may be disclosed to third parties
Your choices regarding the collection and processing of your Personal Information

Please note that this Privacy Policy does not apply to information collected through third-party websites or services that you may access through our Site or Services.

When you submit information through the Site or Services, you consent to the collection and processing of your information as described in this Privacy Policy. By using the Site or the Services, you accept the terms of this Privacy Policy and Terms of Use, and consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.

This Privacy Policy is incorporated into and made a part of our Terms of Use. If you have not done so already, please also review our Terms of Use. Our Terms of Use contain provisions that, among other things, limit our liability to you and require you to resolve any dispute with us on an individual basis and not as part of any class or representative action.

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. Your continued use of the Site 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

Types of Information

We collect various kinds of information that you provide to us as well as information we obtain from your use of the 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, (4) purchase history and payment information, including credit cards used in any purchases, and (5) any content or information provided by you through the use of our Services or any of our communication channels, including chats, live sessions, comment and feedback sections, and/or help desk.

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 the Services;
metadata, which means information related to items you made available through the Services, such as the date, time or location that a shared photograph or video was taken or uploaded.

Location Data: is a category of Personal Information collected about the location of a mobile device or computer, including:

the location of the mobile device or computer used to access the Services derived from GPS or WiFi use;
the IP address of the mobile device or computer or internet service used to access the Services, and/or
other information made available by a user or others that indicates the current or prior location of the user.

How We Collect Information

Whether we collect certain types of information and how we process it depends on how you use and access the Site 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 the 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 collect the information and content that you submit to us, including when you enter comments or submit a review.
Connect with social media though the Services. The Site or Services may offer you the ability to use social media services (collectively, “social media”) in conjunction with certain Services. When you access the Services through your Facebook or other social media account, the Services may, depending on your privacy settings, have access to information that you have provided to the social media platform. We may use this information for the purposes described in this Privacy Policy or at the time the information was collected. When you associate your social media account with your account and authorize us to have access to this information, you agree that we may collect, use and store the information provided by social media services as described in this Privacy Policy.
Make a Purchase or Payment. We collect payment information when you make a purchase or payment to us through our Site or other means
Complete a Customer Satisfaction or Other Survey. We also collect information from you when you complete customer satisfaction or market research survey initiated by us in connection with our products and services.
Participate in Events. We may also collect certain information from you when you participate in any digital or in-person events, including webinars, chats or other business or social events.

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.

Usage Data. We also automatically collect Usage Data when you interact with the Site or Services.

From cookies and other data collection tools. We, along with the service providers that help us provide the Site and 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 Site or Services. Cookies are not themselves personally identifiable, but may be linked to Personal Information that you provide to us through your interaction with the Site or 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 the Services by tracking users' navigation habits and storing users' password, customizing users' experience with the Services; enabling us to analyze technical and navigational information about the 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 Services.

The Services also may use data collection tools to collect information from the device used to access the Services, 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 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 the Services;
to communicate with users through live sessions, chat, e-mail, or phone;
to better understand how users access and use the Services, for the purposes of trying to improve the Services and to respond to user preferences, including language and location customization, personalized help and instructions, or other responses to users' usage of the 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 more relevant to you;
to enforce our Terms of Use or other applicable policies; and
to assess the effectiveness of and improve advertising and other marketing and promotional activities on or in connection with the Services.

Please note that, in order to provide you with a better experience and to improve the Services, information collected through the Services may be used in an aggregated or individualized manner.

For example, personal information collected during use of one of the services may be used to suggest particular content that can be made available to the user on another of the Services or be used to try to present more relevant advertising in another of the Services.

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.

To perform services. We may disclose Personal Information to third parties in order to perform services requested or functions initiated by users. In addition, we may disclose Personal Information in order to identify a user in connection with communications sent through the Services. We also may offer users the opportunity to share information with its network and other users through the 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 (including from closed accounts) to comply with applicable law, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation, enforce our Terms of Use, collect any fees owed, and other actions permitted by law. After it is no longer necessary for us to retain information, we dispose of it according to our data retention and deletion policies.

We employ industry-standard security measures designed to protect the security of all information submitted through the Site 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 Site and 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 the Site or any of the Services, without notice, pending an investigation, if any breach of security is suspected. Access to and use of password protected and/or secure areas of the Site or any of the Services are restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

Any personal information collected about European Union and other international visitors through the Site and Services is processed in the United States by us or by a party acting on our behalf. When you provide personal information to us through the Site or Services, you consent to the processing of your data in the United States. The Services are hosted in the United States.

Links to Third Party Services

The Site and 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.

Disclaimer: Not Child-Directed

The Site and Services are not intended for use by children. If you are under the age of majority in your place of residence, you may use the Services only with the consent of or under the supervision of your parent or legal guardian.

Consistent with the requirements of the Children's Online Privacy Protection Act (COPPA), if we learn that we have received any information directly from a child under age 13 without first receiving his or her parent's verified consent, we will use that information only to respond directly to that child (or his or her parent or legal guardian) to inform the child that he or she cannot use the Services and subsequently we will delete that information.

Opting-Out From Receiving Communications

You may opt-out from having your personal information used for certain purposes. For example, if you do not wish to have your personal contact information shared with third parties for personalized marketing purposes, you may opt-out by unsubscribing in the marketing e-mail itself or by emailing us at [email protected]

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 visit your account (if you have one) to manage and correct the information we have on file about you, or make that request by e-mail. If you have any questions or requests about how to access your Personal Information, please contact us at [email protected]

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. Except to the extent not permitted under the CPPA (as described below), we may charge you a small fee for this service.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you.

California Consumer Privacy Act (CCPA)

The California Consumer Privacy Act (“CCPA”) requires us to disclose categories of personal data we collect and how we use it, the categories of sources from whom we collect personal data, and the third parties with whom we share it, which we have explained above.

Under the CCPA, “personal information” is any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.

Categories of Collected Information. In the year before this section was last updated, we may have collected the following categories of information from California residents:

Address and other identifiers -- such as name, phone number, postal address, zip code, email address, account name or number, payment card numbers, or other similar identifiers
Unique and other online identifiers -- such as IP address, device IDs, or other similar identifiers that relate to your device and its operating system
Commercial information -- such as products or services purchased, obtained, or considered, or other purchasing histories or tendencies
Internet or other electronic network activity information -- such as browsing history, search history, and information regarding your interactions with our Website
Location information

Business or Commercial Purposes for Collected Information. We may have collected or sold the above categories of information from California residents for the following business or commercial purposes:

Performing services on behalf of the business -- such as customer service and processing payments
Auditing customer transactions
Fraud and crime prevention
Debugging errors in systems
Marketing and advertising
Internal research, analytics and development -- e.g., user-preference analytics
Developing, maintaining, provisioning or upgrading networks, products, services, or devices

Sources of Collected Information. We may have obtained the collected information from a variety of sources, including:

Directly from you -- such as technical and usage information when you use our Site
Our joint ventures and promotional and strategic partners
Information suppliers
Distributors and other vendors
Marketing mailing lists
Publicly available sources

Disclosure of Collected Information to Third Parties. We may have disclosed the following categories of collected information to third parties:

Address and other identifiers -- such as name, phone number, postal address, zip code, email address, account name or number, payment card numbers, or other similar identifiers
Unique and other online identifiers -- such as IP address, device IDs, or other similar identifiers that relate to your device and its operating system
Commercial information -- such as services purchased, obtained, or considered, or other purchasing histories or tendencies
Internet or other electronic network activity information -- such as browsing history, search history, and information regarding your interactions with our Website
Location information

The third parties may have included the following: (a) Affiliates, (b) Service Providers, (c) Social Media Platforms, (d) Advertising Partners, (e) Analytics Partners, (f) Promotional Partners, and (g) Government Entities.

Additional Rights for California residents.

Notice at Collection. We are required to notify California residents, at or before the point of collection of their personal information, the categories of personal information collected and the purposes for which such information is used.
Other Rights. Under the CCPA, among other rights, subject to certain exceptions, California residents have the right to make the following requests, at no charge, up to twice every 12 months:
Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers, the categories of sources from which we collected California information, the business or commercial purposes for which we collected or sold California information and the categories of third parties with which we shared the California information.
Request that a business delete any personal data about the consumer that a business has collected, except where necessary for any of a list of exempt purposes.
Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at please contact us at [email protected].

If you are a California resident and have an established business relationship with us, you can request a notice disclosing the categories of personal information we have shared with third parties, for the third parties’ direct marketing purposes, during the preceding calendar year. To request a notice, please submit your request to [email protected] . Please allow up to thirty (30) day to receive a response.

Contact Us

If you have any questions about the Privacy Policy or our privacy practices, you may contact us at [email protected]

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