Last Updated: November 12, 2020

Precision Information, LLC (“PI" or “we") respects the privacy of those who visit or use the Financial Fitness Site (the “FFG Site") at financialfitness.center and its subdomains or such other domains as are designated by PI.   This Privacy Policy describes how we collect, use, and disclose your personal information when you use that website and the related tools and services that we offer (collectively the “FFG Site”).

We place the highest importance on respecting and protecting the privacy of our customers and users of our products and services. We want you to feel comfortable and confident when using the FFG Site and with entrusting your personal information to us.

We will not sell or rent your personally identifiable information to anyone else, and will not share your personally identifiable information with others except in the limited circumstances described in this Privacy Policy.

We protect the confidentiality and security of your personal information by taking reasonable security measures, including physical, technological, and organizational procedures, designed to protect the integrity and security of that information.

In order to use the FFG Site, you will need to be an authorized user of an entity, such as an employer or financial institution, that has acquired a subscription from us for use of the FFG Site by its authorized users. In this Privacy Policy, we refer to these entities as “Subscribers." Likely, when you first accessed the FFG Site, you did so through a link provided by a Subscriber site. The FFG Site, however, is a separately owned and operated website, distinct from any third-party website or service including those of our Subscribers. As PI does not own or control the websites, applications, or services of our Subscribers, this Privacy Policy applies only to the FFG Site itself and not to any third party website, application, or service, which is subject to its own privacy policy and terms of use. Similarly, the FFG Site may contain links to other sites, applications, or services that have their own privacy practices. We encourage users to be aware when they leave the FFG Site and to read the privacy statements of other sites, applications, and services that collect personally identifiable information.

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The following areas are covered in this Privacy Policy

1. The information we collect and how we collect it.
2. How we use the information we collect.
3. When we share the information we collect with others.
4. Measures we take to protect the integrity and security of the information we collect.
5. How you can update or correct your personal information.
6. Ways for you to stay informed about this Privacy Policy and our information practices and changes to them.

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1. Personal Information We Collect and How We Collect It

   We Collect Information That You Provide to Us

   In order to use the FFG Site, we will ask you to register with us. As part of the registration process, we require that you provide us with certain information, including personal information such as your name and email address.

   During the process of creating your Challenge plan, you will also have the option of providing some demographic and other information, including your gender, work and relationship status, education level, etc. You also have the option of answering general, descriptive questions about your financial situation.

   You may submit comments, help requests, suggestions, problems, or other feedback to us through feedback functionality on the FFG Site or otherwise.   If you choose to provide us with this sort of information, we may collect your email address and other information that you provide us in order to follow up with you and otherwise address or communicate with you with respect to your comments, requests, suggestions, or problems feedback.

   Information We Collect Through Your Use of the FFG Site

   We collect information about your interaction with and your use of the FFG Site, such as your IP address, your device, browser, and operating system type and version, event information such as device crashes, which pages you view, which page linked you to the FFG Site, and which link you select when you leave the FFG Site.

   As most websites do, PI uses various technologies to collect information through your interaction with and use of the FFG Site.   These technologies include cookies (small files that are sent to your browser or device when you visit a website which allows the website to recognize you when you visit again and permit storage of information such as user preferences) and may also include web beacons, clear GIFs, pixels and other pixel tags (small blocks of code that can be used to read and place cookies and transmit information), HTML5 and other local storage and caching (technology that allows an application or website to store and retrieve data on a user’s device) and similar technologies. For some of these technologies, your device or browser may offer settings that may enable you to disable the usage of such technologies.  However, some services or features may not function properly or as well as a result, and the settings offered by your device or browser may only apply to that device or browser.

   We Do Not Intend to Collect Information from Children Under Age 13.

   We do not market the FFG Site to children under the age of 13, nor do we knowingly collect information from children under the age of 13.

2. How We Use the Information that We Collect.

   We may use the information we collect in the following ways:

   • Associate You with Your Account

     We use the information that you provide us in an effort to identify and associate you with your account.  Once registered, by entering in your email address and password at the appropriate prompts, the FFG Site is designed then to provide you access to your account and your Challenge plan and goals. We use cookies and similar technologies and information collected through their use to help keep our services secure by authenticating you and to make your experience using the FFG Site easier by pre-filling certain information.

   • Tailor and Personalize the FFG Site

     We use the information that you provide us, as well as information gathered through your interaction with and use of the FFG Site to tailor the content displayed on the FFG Site and personalize your experience to fit your needs. For example, by answering demographic questions or questions about your financial situation, the FFG Site may provide you with recommended goals and content that would be relevant to your situation. The FFG Site may also provide links to third-party sites and offerings, tailored to the information we collect from your interaction with and use of the FFG Site.

   • Provide Additional Information and Alerts

     We may use your contact information to provide you with additional information, alerts, and updates regarding your account, the FFG Site, and your use of the FFG Site.  For example, when you satisfactorily complete a course, we will use your contact information to provide you with a certificate of completion for that course and a report on how your financial knowledge, attitudes, and behaviors have changed.  We may also use your contact information to provide you with information about our products and services and the programs and events of and other communications from or relating to the Subscriber through which you are using the FFG Site.

   • Create Aggregated and Other De-Identified Information

     We may use the data we collect to create, publish, disclose, and use information from which we have removed personally identifiable information, for example by summarizing, aggregating, or removing certain data elements.  We may use such non-identifiable information for any business purpose.

   • Understand the FFG Site Usage and Improve Our Offerings

     We use the data we collect from your interaction with and use of the FFG Site and aggregated and other non-identifiable data we create to perform analytics, assess performance, and otherwise better understand the FFG Site activity. This allows us to better troubleshoot and resolve issues, to provide technical support assistance, and to improve the FFG Site offerings.

3. When We Share the Information that We Collect with Others.

   Information Shared with Subscribers

   We may share aggregated and other non-identifiable information about our users with our Subscribers and other third parties at our discretion, however, we will not share your individual responses to assessment and survey questions or your exam scores.   We may share your contact information with the Subscriber through which you are using the FFG Site and certain information, such as that you passed the courses or completed the Challenge, for their internal use in administering the FFG Site offering and related programs and benefits.  For example, a Subscriber may offer an incentive for employees that complete the Challenge, and we will provide that Subscriber with information as to employees that have completed the Challenge and their contact information in order for the Subscriber to provide that incentive to those employees. We may further share your contact information with the Subscriber through which you are using the FFG Site for their use in providing you with information regarding their products and services or for other marketing or promotional purposes.

   Other Information Sharing

   We also may share information that we collect with third parties in the following circumstances:

   • Service Providers

     We may share information with third parties who provide services to us, such as fraud detection services, business partners, services relating to data collection, processing, hosting and reporting, and analytics, for the purpose of providing such services to us.

   • For Legal Reasons

     PI may release information it collects when PI believes that such release is appropriate to comply with the law (for example, pursuant to a subpoena, warrant, or court order), to protect against the fraudulent, abusive, or unlawful use of the FFG Site, to protect the rights or property of PI or others, to enforce any contract between you and PI and to investigate possible violations, or to prevent or address a situation involving danger of death or injury to any person.

   • Sale or Merger of PI

     PI may merge with another entity or be sold or it might sell all or a portion of its business or assets relating to the FFG Site. In such an event, the information we collect from you may be transferred to or otherwise shared with another entity. We may also disclose information on a confidential basis in connection with or during negotiation of a merger, financing, acquisition, bankruptcy, dissolution, or similar transaction or proceeding.

   • With Your Consent

     We may share personal information with third parties when you authorize us to do so.   We will not disclose your personal information to affiliates or third parties for their direct marketing purpose without first obtaining your “opt-in” consent.

   • Non-Identifiable Information

     We may share aggregated, de-identified, or other non-personally identifiable information with third parties at our discretion

   PI does not intend to sell, share, or rent information that we collect in any manner that is inconsistent with this Privacy Policy or the requirements of law.

4. Measures We Take to Protect the Integrity and Security of the Information We Collect

   We take reasonable security measures, including physical, technological, and organization procedures, designed to protect the integrity and security of personally identifiable information that we collect.  For certain sensitive data, we use industry-standard encryption technology to protect such data during storage and transmission through our services.   We also use industry-standard security technology such as firewalls designed to protect our network and systems from external attacks.  Our contracts with our employees and with third parties that receive your personal information include standard provisions requiring them to maintain its security and confidentiality.

   You play an important role in keeping your information secure.  Your account information is protected by a password that you select for your privacy and security.  We encourage you to use “strong” passwords (that use a combination of upper and lower case letters, number, and symbols).  Please also make sure to protect your account information and log off when you are done using the services, especially if other users have access to the device you are using to access the services. You should not share your user name, password, or other security information for your account with anyone. If we receive instructions using your user name and password, we will consider that you have authorized the instructions.

   Please be aware that no protection measures are perfect or impenetrable.  Although we believe the measures we take are reasonable, we cannot guarantee the absolute integrity and security of your personal information or that unauthorized third parties will never be able to defeat the security measures taken by us or others.   We assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control.

5. How You Can Update or Correct Your Personal Information

   If your personally identifiable information changes (such as your name or email address), we provide a way to correct or update personal data. This can be done at the Settings page on the FFG Site.

6. Ways For You to Stay Informed About This Privacy Policy and Our Information Practices and Changes to Them.

   Changes to Our Privacy Policy

   We reserve the right to change this Privacy Policy at any time.  If we make a change, this Privacy Policy will be updated accordingly.  We recommend that you review this Privacy Policy periodically so that you are aware of any changes.  If we make a significant change to this Privacy Policy, we will endeavor to provide you with a more prominent notice, such as by means of a prominent notice on the FFG Site describing the change or by sending you an e-mail message to the email address associated with your account notifying you of the change. Your continued use of any portion of the FFG Site following the posting of the updated Privacy Policy constitutes your acceptance of the changes.

   Contacting Us with Questions

   Questions or concerns about this Privacy Policy and our information practices should be directed to us by email to support@financialfitnessgroup.com or by writing to us at Financial Fitness Group, Attention: Customer Service, 501 W Broadway, Suite A #158 San Diego, CA 92101.

   Your California Privacy Rights

   Residents of the State of California, under the California Civil Code, have the right to request from certain companies conducting business in California a list of all third parties to which the company has disclosed personal information during the preceding year for direct marketing purposes and a disclosure of the shared information. To make such a request, please send an e-mail or write to us at the addresses provided under “Contacting Us with Questions” above.