Information We Collect
When you visit our Website, we will learn certain information about you.
In order to provide you with the most efficient and enhanced personalized service and attention, and to accommodate certain requests which you make, we request information about you in certain circumstances and collect certain information automatically.
Consistent with our previous practices, we will only collect and process your personal data when we have a lawful basis for doing so. These lawful bases include when you provide us consent, when we have a contractual obligation to collect or process the data, and when we have a legitimate interest in processing your personal data.
We may collect and/or receive the following types of information from you:
Information Provided Voluntarily
Personal Information. You may be asked to provide personal information including your name, address, email address, and phone number when you sign up for any of our newsletters, respond to a survey, register for a class, or purchase a product or service. We will only request the personal information that is required in order to fulfill our obligations to you, i.e. in order to deliver what you have requested, as well as to comply with any legal obligations that may accompany such an exchange.
Information Collected Automatically. In addition to the information described above, we may collect some or all of the following information:
Activity Info (Log Data). Information may be collected based on your use of the Website, which generally includes information about your computer hardware and software, such as:
Internet Protocol (“IP”) addresses, operating systems, browser types, device types, URLs, access dates and times; Website pages that you visit; referring website information; universally unique identifiers (“UUID”), advertising identifier (“IDFA”), carrier and country location, hardware and processor information, network type, and other related data.
For more information on Google Analytics, including how to opt out from certain data collection, please visit https://www.google.com/analytics. If you opt out of any service, you may not enjoy the full functionality of the Website.
Other Third Party Tracking Tools. We may also collect or receive information from third parties, such as Facebook, Instagram, LinkedIn, and/or other third-party social media and similar sites.
How to Access Your Personal Information
If you have provided personal, billing, or other voluntarily provided information, you may access, review and make changes to it via instructions found on the Website or by emailing us at karen [at] financialrecovery [dot] com. To manage your receipt of marketing and non-transactional communications, you may unsubscribe by clicking the “unsubscribe” link located on the bottom of any related email from the Company. Emails related to the purchase or delivery of orders are provided automatically – Customers are not able to opt out of transactional emails. We will try to accommodate any requests related to the management of Personal Information in a timely manner. However, it is not always possible to completely remove or modify information in our databases (for example, if we have a legal obligation to keep it for certain timeframes, for example).
How We Use and Share the Information
We use the collected Information to understand customer needs, including regarding our Website services to:
- present you with information through our Website and email services;
- provide our services, process orders, and administer our programs;
- maintain and improve our Website;
- respond to your requests, and provide customer service, including in response to any problems that may arise, such as difficulties in navigating our Website or accessing certain features;
- solicit your feedback, and to inform you about our products and services and those of our third-party marketing partners that we feel may be of interest or value to you;
- personalize or display advertisements to you on third-party platforms;
- improve our services or offerings; and
- fulfill our legal or contractual obligations to you.
As with transactions elsewhere, when you purchase products, services, or programs via our Website, your credit card company will also retain certain information regarding your purchase. We will not otherwise provide any personal data to your credit card company without your permission.
We may share the Information collected with joint venture partners, affiliates, agents, current or prospective business partners, businesses under common control, third-party businesses or partners participating in administering our programs or services, or to those providing business functions such as technical support, customer service, marketing assistance, etc. These businesses will only have access to information as necessary to perform their functions and to the extent permitted by law.
In the event of the sale or transfer of our business to a third party buyer, including in the event of bankruptcy or liquidation, we may, as necessary, share your data with the buyer or transferee.
In the event that we have to collect on a debt owed to us by you, we may, as necessary, share your information with an attorney or a court of law to enforce our rights and collect what is owed.
Under certain circumstances we may be obligated or compelled to disclose the Information: when required by law, court order, or government agency, or when disclosing such Information is reasonably required to protect the Company, its property, the Website, the safety of visitors, or others.
Retargeting / Personalized and Behavioral Ads
We may, using the techniques described above, and in conjunction with third party marketing partners, gather information from your visit to our Website for purposes of providing relevant advertising content to you in the future. This means that through third party marketing partners or third party sites such as Google, Facebook, or Instagram, we may display advertisements to you (remarketing or retargeting), based on usage data collected during your visit to our website.
Google Analytics: As described above, we use Google Analytics on our website. We may utilize any of the following advertising features that utilize the Google advertising cookies: Remarketing with Analytics, Demographics and Interest reporting, Segments, and Double Click integration.
To opt out of seeing personalized ads via the Google platform, please visit
To personalize the ads you see via the Google platform, visit http://www.google.com/settings/ads
For more information on how Google uses data when you visit its partners’ sites or apps, visit http://www.google.com/policies/privacy/partners/
Or, via an opt-out browser add-on, you can opt out of having your site activity available to Google Analytics. For more information, or to install the opt-out browser add-on, please visit https://support.google.com/analytics/answer/181881?hl=en Please note that if you opt out of any service, you may not enjoy the full functionality of the Website.
Google Ad Words: We may utilize Google Ad Words, which provides certain of the information collected on our website to the Adwords advertising network. To opt out of Google Ad Words, visit https://support.google.com/ads/answer/2662922?hl=en
Facebook Custom Audience: We may utilize Facebook’s Custom Audience capability which allows us to display ads on Facebook to individuals on our email lists or in our database. We may provide personal information to Facebook, such as your name, email address, and phone number to enable Facebook to identify whether you are a Facebook account holder. To opt-out of the Facebook Custom Audience, please email us at karen [at] financialrecovery [dot] com with (1)“Facebook Custom Audience Opt-Out” in your Subject Line, and (2) your name and email address in the body of the email.
Other Personalized and Behavioral Advertising Services: We may participate in other retargeting services that are similar to those described above.
Managing Cookies Via Your Browser:
You may be able to change your cookie preferences via your browser settings. Please visit your browser’s help section for assistance with turning on notifications regarding cookies, or disabling cookies through your browser.
Managing Cookies on Your Mobile Device:
You may be able to change your cookie preferences on your mobile device either via your browser settings or via the settings (preferences) on your device. For additional info, please visit http://www.allaboutcookies.org/mobile/
Use Caution When Sharing Information Online
When you voluntarily make your Personal Information available online in an environment shared by third parties – including in webinars, classes, online conferences, via email, on message boards, chat rooms or on blogs, or via telephone calls or conferences – that information can be viewed, saved, collected, heard, and/or used by others outside of the Company. We are not responsible for any unauthorized third-party use of information provided in these contexts. Please be mindful whenever you share any information online.
Security of Your Information
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we incorporate standard industry practices internally and with our services providers, which we believe is sufficient for the information involved, we cannot guarantee its absolute security. Because we work with third-party businesses and vendors in various aspects of our business including operating this website, database management, website security, etc., we cannot guarantee the absolute security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet. Any information that you provide to us via email should be treated with extra caution, as we cannot control the level of security available through email providers.
We are strongly committed to protecting the safety and privacy of children who visit our website. We do not knowingly collect Personal Information from children under the age of 13 through the Website. If you are under 13, please do not give us any Personal Information. We encourage all parents to talk to their children about online safety and to monitor their children’s use of the Internet. If you have reason to believe that a child under the age of 13 has provided Personal Information to us, please contact us, and we will make best efforts to immediately delete that information from our databases.
California Privacy Rights
Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to request from a business with whom the Californian has an established business relationship, certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year. To request a copy of the information disclosure provided by the Company pursuant to this provision, please contact us via email at karen [at] financialrecovery [dot] com.
Our California Do Not Track Notice
Consistent with our policies described above, we collect information from our visitors on our website and across third party websites where applicable, to provide relevant content and advertising. We do not support Do Not Track (“DNT”) signals of web browsers.
DNT is a setting in your web browser that informs websites that you do not want to be tracked. You can enable or disable DNT through the Preferences or Settings options of your web browser.
Visitors Outside the U.S.
Our Website and the servers that make this Website available worldwide are located in the United States. The Internet laws in the United States govern all matters relating to this Website. Any information you provide in subscribing to or visiting our Website will be transferred to the United States. By visiting our Website and submitting information, you authorize this transfer, processing, and use.
EU Visitors and the GDPR
If you live in the EU, certain of your data may be subject to protection by the General Data Protection Regulation (the “GDPR”), a privacy regulation intended to help you have greater control over your personal data.
Under the GDPR, you have the following rights, which we extend to all of our website visitors:
- to object on grounds relating to your particular situation to the collection or processing of certain kinds of information (“right to object”);
- to withdraw consent even after it has been given, without affecting the lawfulness of the processing of your data prior to your withdrawal (“right to withdraw consent”);
- to access, modify or update your information so that it is correct (“right to access” and “right to rectification”);
- to have your information deleted or erased (“right to erasure” or “right to be forgotten”);
- to have your data transferred or ported elsewhere (“right to data portability”);
- and the right to restrict processing in certain situations (“right to restriction of processing”).
For purposes of the GDPR, to the fullest extent possible we do not directly collect or maintain personal data of our EU visitors or clients. This is done through partnerships with third-party vendors who have systems designed for the collection and storage of data on behalf of their clients (“data processors”). The data is only kept as long as is reasonably required to accomplish the purpose or purposes for which it was collected. Certain data may be expunged or utilized more quickly than others, and depending on your engagement and behaviors, including purchasing behaviors, we may be engaged in a business or contractual relationship with some longevity. (For example, if you purchase a course or program, or services that span over some time, you will continue to receive communications in regards to those offerings or services).
The categories of data processors with whom we work, and that help us in the collection of information that allows us to serve and interact with you include website analytics provider(s), website and webform plug-ins, and related third-party services that allow us to maintain an up-to-date online platform and communicate with you electronically, an email service provider or providers to assist in managing email correspondence with our visitors, customers, and list, as well as payment processor(s) and/or merchant account(s) to help us transact sales online and follow up with you regarding any purchases. For a list of specific data processors with whom we currently work, please visit our list here.
Those within the Company that may have access to the data include Officers, Directors, Managers, Supervisors, Salespersons, or those providing customer or technical support. Access to the data is provided for specific purposes, generally related to communicating with you, fulfilling our contractual obligations, providing customer service or technical support, collecting payment, or monitoring performance of marketing and sales efforts.
You may contact us at any time to have your information with us or any of these processors updated or corrected, deleted, or to obtain a copy for your records. Additionally, you may opt out of receiving any additional emails or marketing messages from us by clicking the “unsubscribe” link at the bottom of our email notifications.
Further, if you feel that we have not complied with the relevant data protection regulations, please contact us by sending us an email at karen [at] financialrecovery [dot] com with your first and last name, your country of origin, and a summary of your concern or complaint. We will endeavor to respond at our earliest possible convenience to address your concern. If contacting us does not resolve your complaint, you may have additional options.
Residents in Designated Countries may also have the right to lodge a complaint with the relevant EU data protection authority. You may access a list of the Data Protection Authorities in the EU here.