Your privacy is important to us. At Financial Toolbelt, we have a few fundamental principles:
Who We Are and What This Policy Covers
We are the team behind Financial Toolbelt, a set of tools that helps people better understand their finances. We believe it is important that everyone set up a solid financial base and we want to be the tools you use to figure that out.
Our main website www.financialtoolbelt.com; and
Below we explain how we collect, use, and share information about you, along with the choices that you have with respect to that information.
Information We Collect
We only collect information about you if we have a reason to do so–for example, to provide our Services, to communicate with you, or to make our Services better.
We collect information in two ways: if and when you provide information to us and automatically through operating our Services. Let’s go over the information that we collect.
Information You Provide to Us
It’s probably no surprise that we collect information that you provide to us. The amount and type of information depends on the context and how we use the information. Here are some examples:
Basic Account Information: We ask for basic information from you in order to set up your account. For example, we require individuals who sign up for a Financial Toolbelt account to provide an email address along with a username or name – and that’s it.
Transaction and Billing Information: If you buy something from us –a subscription or a course, you will provide additional personal and payment information that is required to process the transaction and your payment, such as your name, credit card information, and contact information.
Content Information: Depending on the Services you use, you may also provide us with information about you in draft and published content (such as content for your FIRE tracker profile). For example, if you create a profile to track your path to FIRE we will store this information you provided us with so we can continue to provide you with insights.
Communications with Us: You may also provide us information when you respond to surveys or send us an email about support, questions, or just to get in touch! When you communicate with us via form, email, phone, or otherwise, we store a copy of our communications.
Information We Collect Automatically
We also collect some information automatically:
Log Information: Like most online service providers, we collect information that web browsers, mobile devices, and servers typically make available, such as the browser type, IP address, unique device identifiers, language preference, referring site, the date and time of access, operating system, and mobile network information. We collect log information when you use our Service.
Usage Information: We collect information about your usage of our Services. For example, we collect information about the actions that take place on our site such as how often calculators and our tools are used. We use this data to help with our analytics and in order to help provide a better experience. It helps us monitor which tools are being used the most and if any possible errors are happening.
Purposes for Using Information
We use information about you as mentioned above and for the purposes listed below:
Legal Bases for Collecting and Using Information
A note here for those in the European Union about our legal grounds for processing information about you under EU data protection laws, which is that our use of your information is based on the grounds that:
How We Share Information
We do not sell our users’ private personal information.
We share information about you in the limited circumstances spelled out below and with appropriate safeguards on your privacy:
Third Party Vendors: We may share information about you with third party vendors who need to know information about you in order to provide their services to us, or to provide their services to you or your site. This group includes vendors that help us provide our Services to you (like payment providers that process your credit and debit card information, email delivery services, customer chat and email support services that help us communicate with you, those that assist us with our marketing efforts (e.g. by providing tools for identifying a specific marketing target group or improving our marketing campaigns), those that help us understand and enhance our Services (like analytics providers), and companies that make products available on our websites (such as affiliate programs) who you may click through from one of our tools.
egal and Regulatory Requirements: We may disclose information about you in response to a subpoena, court order, or other governmental request
To Protect Rights, Property, and Others: We may disclose information about you when we believe in good faith that disclosure is reasonably necessary to protect the property or rights of Financial Toolbelt, third parties, or the public at large. For example, if we have a good faith belief that there is an imminent danger of death or serious physical injury, we may disclose information related to the emergency without delay.
With Your Consent: We may share and disclose information with your consent or at your direction. For example, we may share your information with third parties with which you authorize us to do so, such as affiliate programs or reaching out to job sites. Aggregated or De-Identified Information: We may share information that has been aggregated or reasonably de-identified, so that the information could not reasonably be used to identify you. For instance, we may publish aggregate statistics about the use of our Services and we may share a hashed version of your email address to facilitate customized ad campaigns on other platforms.
Information that you choose to make public is disclosed publicly.
That means, of course, that information like your public profile, posts, other content that you make public on your website, are all available to others.
Public information may also be indexed by search engines or used by third parties.
Please keep all of this in mind when deciding what you would like to share.
How Long We Keep Information
We generally discard information about you when we no longer need the information for the purposes for which we collect and use it — which are described in the section above on How and Why We Use Information — and we are not legally required to continue to keep it.
While no online service is 100% secure, we work very hard to protect information about you against unauthorized access, use, alteration, or destruction, and take reasonable measures to do so, such as monitoring our Services for potential vulnerabilities and attacks.
You have several choices available when it comes to information about you:
Limit the Information that You Provide: If you have an account with us, you can choose not to provide the optional account information, profile information, and transaction and billing information. You can continue to use the site anonymously without setting an account up as much as you would like.
Opt-Out of Marketing Communications: You may opt out of receiving promotional communications from us. Just follow the instructions in those communications or let us know. If you opt out of promotional communications, we may still send you other communications, like those about your account and legal notices.
Set Your Browser to Reject Cookies: At this time, Financial Toolbelt adheres to "do not track" signals across all of our Services. You can also usually choose to set your browser to remove or reject browser cookies before using Financial Toolbelt's websites, with the drawback that certain features of Ceev's websites may not function properly without the aid of cookies.
Close Your Account: While we’d be very sad to see you go, if you no longer want to use our Services, you can close your account. Please keep in mind that we may continue to retain your information after closing your account, as described in How Long We Keep Information above — for example, when that information is reasonably needed to comply with (or demonstrate our compliance with) legal obligations such as law enforcement requests, or reasonably needed for our legitimate business interests.
If you are located in certain countries, including those that fall under the scope of the European General Data Protection Regulation (AKA the “GDPR”), data protection laws give you rights with respect to your personal data, subject to any exemptions provided by the law, including the rights to:
Controllers and Responsible Companies
Financial Toolbelt's Services are worldwide. Google (Analytics) or Amazon (AWS) is the controller (or co-controller) of personal information, which means that they are the company responsible for processing that information, based on the particular service and the location of the individual using our Services.
How to Reach Us
hello [at] financialtoolbelt.com
5123 W 98th Street #1075, Minneapolis, MN 55437
Other Things You Should Know
Ultimately this policy is governed by and construed in accordance with the laws of Minnesota and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
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