|Terms & Conditions
www.BetterTimesFinancial.com (the “Site”) is an online information service provided by BetterTimesFinancial.com subject to your compliance with the terms and conditions set forth below. Please read this document carefully before accessing or using the by accessing or using the site, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use the site. BetterTimesFinancial.com may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement on the site. You agree to review the agreement periodically to be aware of such modifications and your continued repeated access or use of the shall be deemed your conclusive acceptance of the modified agreement.
The following sets forth the policies for the collection and use of personally identifiable information (“Information”) by BetterTimesFinancial.com in connection with its operation of this website(the “Site”). BetterTimesFinancial.com takes its obligations regarding privacy very seriously, and it wants to ensure users are fully informed about the Information they are providing to it.
Your California Privacy Rights
In connection with the Site, BetterTimesFinancial.com may collect Information in the following ways:
- Through registration forms filled out by a user on the Site
- Through Information provided by a user in connection with the purchase of products or services on the Site
- Through the maintenance and analysis of Web server logs
- Via e-mail sent by a user to BetterTimesFinancial.com
- Through the use by BetterTimesFinancial.com of third-party databases from which user Information is extracted and combined with Information obtained by BetterTimesFinancial.com through other means.
BetterTimesFinancial.com may also collect non-personally identifiable information from users via “cookies” (small text files placed by BetterTimesFinancial.com on user computers), single-pixel image files (also called “Web beacons”), Web server log analysis and other similar technological means. Such non-personally identifiable information may be used to track site trends and enhance the user experience, and may be shared with third parties. To the extent third parties may place advertising on the Site, such third parties may utilize cookies or other technological means within the advertising to collect and utilize non-personally identifiable information. BetterTimesFinancial.com is not responsible for information collected by third parties in this manner, nor for the collection or use of Information by other sites to which the Site is linked.
Types of Information Collected by BetterTimesFinancial.com
The following types of Information about a user are among those that may be collected by BetterTimesFinancial.com in connection with the Site:
- E-mail address
- Telephone number
- Cellular telephone number
- IP Address
- Referring site
- Other technical information collected by the Site’s servers.
- Credit Rating
- Product Interests
- User Preferences BetterTimesFinancial.com through other means.
No Collection of Information from Children
The Site is not intended for users under the age of 18, nor does BetterTimesFinancial.com knowingly collect or retain Information in connection with the Site from children under the age of 13.
Use of Information
BetterTimesFinancial.com may use Information collected in connection with the Site in the following ways:
- To provide requested information, products and services to users
- To improve the user experience with the Site
- In connection with the operation of the Site and BetterTimesFinancial.com’s internal business
- In connection with other Sites or offline businesses owned or operated by BetterTimesFinancial.com
- To contact users about products and services offered by BetterTimesFinancial.com as well as selected third parties.
- To provide to third parties for data processing in relation to services or information requested by users
- To provide to third parties whose products and services have been requested by users
- Your email address will only be shared with our preferred email partners for the purpose of sending 3rd party promotional email communication.
In order to do the foregoing, BetterTimesFinancial.com may provide your Information to trusted third parties, including but not limited to selected third party marketers and vendors as well as third party contractors providing services to BetterTimesFinancial.com for the operation of the Site and its business, communication services and fulfillment of orders. BetterTimesFinancial.com will use commercially reasonable efforts to limit use of the Information by such third parties to the specific uses set forth above. BetterTimesFinancial.com also utilizes electronic and physical security to reduce the risk of improper access to or manipulation of Information during transmission and storage, but cannot guarantee the security or integrity of the Information. BetterTimesFinancial.com may also disclose Information when it determines it is necessary to comply with applicable laws or regulations or protect the interests or safety of BetterTimesFinancial.com, its customers, or other visitors to the Site.
We may use personal information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Detailed Wireless Policy
Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.
You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. You may remove your information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received.
Access to Information.
Users may modify and correct certain Information through a written request sent to BetterTimesFinancial.com, 825 us hwy 1 #320, Jupiter, FL 33477.
Opting Out from Offers from BetterTimesFinancial.com.
At any time, a user may opt out from receiving future offers from BetterTimesFinancial.com by following the instructions contained within each marketing communication. Such opting out will not apply to any communications from third parties to whom BetterTimesFinancial.com may have provided Information regarding the user. Third parties’ use of the Information is subject to such parties’ own privacy policies, for which BetterTimesFinancial.com shall not be responsible.
Your California Privacy Rights.
Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of BetterTimesFinancial.com who are California residents to request certain information regarding BetterTimesFinancial.com’s disclosure of personal information for their direct marketing purposes. To make such a request, please write to: BetterTimesFinancial.com, 4521 PGA Blvd Ste. 103, Palm Beach Gardens, FL 33418. Within thirty days of receiving such a request, BetterTimesFinancial.com will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. BetterTimesFinancial.com reserves its right not to respond to requests submitted other than to the address specified in this paragraph.
Policy Last Revised: April, 3 2018