Information about Privacy on FHRI.org
The following is an outline of policies and information regarding our privacy and security standards. Click on the link to move to the section:
- Information Collection
- Information Automatically Logged
- Information Use and Disclosure
- Information Confidentiality and Security
- Supplementation of Information
- Links to Sites of Third Parties
- Protection of Children's Personal Information
- Limitation of Liability
- Changes to This Policy
- Contacting F&H
Additional information is gathered from a variety of sources, including, but not limited to:
- Information you provide to us on applications, forms or financial tools.
- Information you provide to us on surveys about your experience with FHRI, and outside parties, so that we may better serve you.
When you visit our site, some information may be automatically collected as part of the software operation of this site. This information may include:
- Your Internet protocol address,
- Internet service provider,
- The operating system you used,
- The referring web site address,
- The time and date of your visit,
- The web pages or services you accessed at this site, including the first and last web pages you visited, and
- If you downloaded a form, the form that was downloaded.
This intake of information is not personally identifiable. FHRI and/or its service providers use this information internally for statistical analyses of user behavior and characteristics in order to measure interest in and use of the site.
Personal identifying information that you provide to gain full access to our services will be maintained in our database, and such information may also be accessible by a licensed financial professional within the advisor network of FHRI. If you choose to provide this information, financial professionals may be able to determine your particular needs with respect to financial planning and respond by presenting free resources and tools to you. Such financial professionals are independent of FHRI and are not the employees, agents or representatives of FHRI.
If you register on the FHRI website, personal information and the financial information you provide may be forwarded by FHRI to an independent licensed financial professional.
Any personal identifying information will be used only for the purposes for which it was provided and for related purposes and, except as described in this Privacy Statement, will not be shared with any other third party. We may share such information in any of the following limited circumstances:
- We have your consent.
- We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf.
- We are required by law or have a good-faith belief that such action is reasonably necessary to protect the rights, property or safety of FHRI, its users or the public.
- As indicated in this Agreement, your information may be provided to licensed financial professionals if you submit your contact information on FHRI’s website.
If you have a user account, we may share the information you submit in order to properly serve you and to improve the quality of our services. We will not disclose your account information to other people or non-affiliated companies, except as provided in this Policy or with your consent.
We may store and process your personal information collected on our site in the United States or any other country in which the party contracted by FHRI to support the site maintains facilities. By using our services, you consent to the transfer of your information among these facilities, including those located outside the U.S.
Not all content on the site is provided by FHRI. Our site uses third-party content providers and links to enhance the usefulness and breadth of our publication offerings. Some content providers require an account on their site to identify you while using their site. An example of this would be a personal email account or calendar. When you register through the FHRI web site, a separate account may also be created on the site of the content provider.
The username and password you use to access your FHRI account is not shared with any third party content provider. If the content provider on our site requires you to establish an account on their site, your account will be with the content provider and it is recommended that you use a different username and password from that used to access FHRI’s sites.
Demographic and profile data is also collected at our site. This information is shared with advertisers on an aggregate basis.
This site has security measures in place to protect your personal identifying information from unauthorized access, use, or disclosure. Because of the personal nature of the information that may be collected and maintained on this site, all personal and financial information is transmitted over a 40-bit Secure Socket Layer (SSL) encrypted connection.
This site supplements the information that you provide with information that is received from third parties. Address information is compared with databases of third parties which compile data relating to change of addresses. This improves the accuracy of our records. In addition, address information may be enhanced with known demographic data for your postal zip code and/or census block.
If you choose, you may have personal information collected about you by FHRI discarded without reuse or distribution, provided that we are contacted in writing at the address indicated below.
To gain full access to the services on our site, users are required to register for the services by providing personally identifying information (name, email, phone number, and address). Additional services on the site allows users to submit and store financial information (such as, bank account or credit card numbers), unique identifiers (social security number), and demographic information (zip code, age, or income level). Such information is provided as a courtesy to the user for storing important information and certain personally identifying information (name, phone number, address, email address, asset diversification information) is provided to a licensed financial professional designated by FHRI to provide the services requested by the user.
Unique identifiers (such as social security numbers) provided by users may be used to verify the user's identity, and for use in aggregating accounts in our record system.
Our site uses order forms and surveys to allow users to request information, products, and services. We collect personal information (name, email address, and account information) to respond to user requests for products and financial services.
You must be at least 18 years old to obtain an account on this site. This site is a general audience site and does not knowingly collect any personal information from children.
We attempt to maintain the highest level of accuracy on this web site. Any errors or omissions should be reported to FHRI for our investigation.
We make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this web site, and expressly disclaim liability for errors and omissions in the contents of this site. No warranty of any kind, implied, expressed, or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given with respect to the contents of this web site or its hyperlinks to other Internet resources. Reference in this web site to any specific commercial products, processes, or services or the use of any trade, firm, or corporation name of a third party not affiliated with FHRI, is for your information and convenience, and does not constitute endorsement or recommendation by FHRI, or its employees or agents.
Some of the information presented on this web site may be protected by trademark, copyright, or other intellectual property rights. Permission to use such material must be obtained in writing in advance from FHRI.
Please note that this Policy is subject to change from time to time. We expect the majority of such changes to be minor, but there may be changes that are more significant. We will post those changes on this page and each version will be noted at the top of the page. You should review the terms of this Policy periodically to make sure that you are aware of how personal identifying information is collected and used. If you do not agree to the use of your information, then you are not permitted to use the site.
If you need to inform FHRI of any changes to your personal information, or if you have any questions about this Privacy Statement, the practices of this site, or your dealings with this site, you can contact FHRI at: firstname.lastname@example.org.
Copyright © 2013 Financial & Health Research Institute LLC. All rights reserved.
Last Updated May 6, 2013