Insurance Solution By FTM Financial Services LLC.
1. INTRODUCTION
AGREEMENT AND PARTIES. FTM Financial Services, LLC. and every one of its oldsters, subsidiaries and affiliates (“Company,” “us,” or “we”) respect the privacy of the users of the FTMfinancialservices.com web site, the FTM mobile app (herein after “Websites” or “Sites”), and people with whom we tend to conduct business offline. This privacy policy tells you what info we tend to collect from you, however we’d use it, however you’ll review or modification the private info you provided to USA; however, we tend to could modification this policy, and therefore the steps we tend to want make sure that your personal info is protected.
2. AGREEMENT TO TERMS OF PRIVACY POLICY AND TERMS AND CONDITIONS OF USE
If you do not believe on the terms of this privacy policy, our Terms and Conditions (or Terms of Use for registered users), please don’t give us your personal info, and leave this web site. The Terms and Conditions (Terms of Use for registered users) of this website expressly incorporated herein by reference and created an area of this policy.
3. EFFECTIVE DATE OF AND CHANGES TO PRIVACY POLICY
This privacy policy is effective as of 12.30.2020, and can stay in effect except with reference to any of its provisions that modify within the future, which case the changes can become effective on the date they’re denote on the web site or we otherwise apprize you of the changes. we tend to reserve the proper to vary this privacy policy at any time. Changes, modifications, additions, or deletions are going to be effective now on their posting to the current website. You ought to check this policy occasionally as its terms could reform from time to time. Your continuing use of the positioning when we tend to post any such modifications can represent your acknowledgment of the changed policy and your agreement to accept and be certain by the changed policy. We’ll conjointly revise the “last updated” date found at the start of this privacy policy after we post changes to that.
4. INFORMATION WE MAY COLLECT
We may ask you for certain information referred to on this site as “personal information,” which includes information that pertains to your identity in order to enable you to sign up for and use our Websites and conduct business with us (if applicable).
The information we collect from you possibly will include information that you simply provide voluntarily by filling out forms on our websites, records, and copies of your correspondence if you contact us, and your search queries on our Websites.
We gather this personal information directly from you if and once you provide it to us. We can also save equivalent categories of private information that you simply have voluntarily provided to related entities or third-party businesses in reference to your account with us (if applicable).
Such information may contain, but isn’t limited to, your name, address, date of birth, taxpayer number, driver’s registration number, age, gender, e-mail address, phone number, policy information, bank transfer information, and MasterCard or open-end credit numbers.
User-Submitted Content
You may also present information to us to be published, displayed, or posted on public areas of the website, including avatar or profile photos, photos or videos taken of you at various events, and biographical text (collectively, “User Content”). Any User Content posted on the Websites is out there to the overall public, and that we cannot control the actions of other users of the Websites who may view your User Content. Further, if you delete your User Content from Websites, copies of such content may remain viewable in cached and archived pages or may are copied or stored by other users of the Websites. User Content is posted on our Websites at your own risk.
Device Information
There could also be other instances during which we collect information from you that’s more general in nature (“general information”). Such information may include your Internet Protocol (IP) address, which enables us to spot your computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network, which incorporates the planet Wide Web. Your computer has an IP address, which is required so as for you to speak with others via the web. Such general information, including the press stream data and cookies, as mentioned below, could also be collected from you whenever you access the location, whether or not you provide us with any personal information.
Click Stream and Usage Data
When you visit our Websites, we will also collect “clickstream data” (server address, domain name). This information is often combined with information you’ve got provided to us by registering, for instance, which can enable us to research and customize your visits.
Cookies
We can also use cookies to collect information about your visits to our website and enhance your experience. Cookies are small text files that web servers place on your device; they’re designed to store basic information and to assist websites and apps recognize your browser. We may use both session cookies and protracted cookies. A cookie disappears after you shut your browser. A persistent cookie remains after you shut your browser and should be accessed whenever you employ our Websites.
Location Data
If you select to use certain services utilizing location information, we may collect location information from your device and can notify you of this collection. you’ll control or disable the sharing of location information via your device settings.
5. USE of data
We use your information to:
- Establish and administer user accounts on our Websites;
- Deliver Websites, content, and services to you;
- Perform our obligations and enforce our rights arising from any contracts between you and us; personalize your experience when using the Websites;
- Answer your inquiries about our services;
- Analyze site usage and improve the services provided through our Websites;
- Deliver to you any administrative notices or alerts and communications relevant to your use of our Websites or our services;
- Detect and protect against errors, fraud, or other criminal activity;
- Fulfill the opposite purpose that you simply provide such information or alongside your consent;
- Fulfill regulatory or legal obligations; and
- In regard to a merger, sale, or substantially all of our assets, or corporate reorganization.
We may disclose personal information that we gather to the following: with third party entities, like insurance companies, alongside your consent, and for the aim that you simply provided the private information; With our related entities to perform their everyday business purposes; and independent agents, contractors, professional service providers, and business consultants that we use to support our business. These third parties are bound by contractual obligations to remain the private information that we share with them confidential and use it only for the requirements that we disclose such information to them.
We may disclose personal information that we collect to the following: with third party entities, like insurance companies, together with your consent, and for the aim that you provided the private information; With our related entities to perform their everyday business purposes; and independent agents, contractors, professional service providers, and business consultants that we use to support our business. These third parties are bound by contractual obligations to stay the personal information that we share with them confidential and use it just for the needs that we disclose such information to them.
6. SHARING of data
We can also share your information with other third parties within the following cases:
- Where disclosure is required or appropriate so as to suits laws, regulations, legal process, or workplace or governmental request;
- With enforcement officials, government authorities, or third parties, if we expect doing so is important to guard the rights, property, or safety of the corporate, users, or the public;
- To protect the safety or integrity of our Websites;
- To enforce our Terms and Conditions and Terms of Use and as otherwise set forth during this Privacy policy;
- To respond to an emergency which we believe straightness requires us to disclose information to help in preventing the death or serious bodily injury of any person;
- To investigate and defend ourselves or others against any third-party claims or allegations;
While negotiating or in reference to a business transaction, like a merger, sale of assets, or bankruptcy;
7. PROTECTION OF YOUR PERSONAL INFORMATION AND GENERAL INFORMATION
In order to guard both the private information and therefore the general information that we receive from you thru our website, we’ve implemented various security measures, like using SSL encryption on pages where personal information is transmitted to us, encrypting stored data, and enforcing internal access controls.
Please confine your mind, however, that whenever you give out personal information online, there’s a risk that third parties may intercept and use that information. While we attempt to guard your personal information and privacy, we cannot guarantee the safety of any personal information you confide in us.
8. CHILDREN’S PRIVACY – NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED
We aren’t a general audience site and don’t direct any of our content specifically to anyone under 18 years of age. We understand and are committed to respecting the sensitive nature of children’s privacy online. If we learn or have reason to suspect that a Site user is under age 18, we’ll promptly delete any personal information therein user’s account.
9. LINKS to 3rd PARTIES
For your convenience and to reinforce the usage of the web site we may insert links to 3rd parties on this site. This Privacy policy doesn’t apply to such third-party websites. Links that take you outside our service or our Websites are beyond our control. This includes links from partners that will use our logos. The sites those links can take you to possess their own separate privacy policy and although we seek to guard the integrity of our site, we aren’t responsible for the content and activities of these sites. Your visits and access to such websites are at your own risk. Please note that those other sites may send their own cookies to users, collect data, or solicit personal information.
10. YOUR CHOICES
In addition to other choices described during this Privacy Policy, you’ve other choices regarding your information:
Profile Information
If you’ve created an account, you’ll update your profile information by logging in and editing your profile. If you’d wish to vary the name or Social Security number associated with your account, please log in and submit an E-Form request.
Email Subscriptions. you will always unsubscribe from our promotional emails via the link provided within the emails. albeit you decide-out from receiving promotional messages from us, you’ll still receive administrative messages from us.
Account Deletion
If you’d wish to delete your registered account, please log in and submit a “Contracting Request” marked “other” through our E-form system. If you select to delete your account, we’ll delete it for you, but may retain certain information required to process commission payments, resolve disputes, troubleshoot problems, analyze usage of the Websites, assist with any investigations, prevent fraud, enforce our Terms and Conditions, enforce our Terms of Use, or take other actions as needed or permitted by law and/or regulations.
11. CONSENT TO TRANSFER
Our computer systems are currently based within United States, so your personal data are going to be processed by us within United State, where data protection and privacy regulations may not offer an equivalent level of protection as in other parts of the planet. If you create an account with us as a visitor from outside U.S., by using the Websites, you comply with this Privacy Policy and you consent to the transfer of all such information to the United States, which may not offer a level of protection equivalent to that required in certain other countries, and to the processing of that information as described in this Privacy Policy.
12. CALIFORNIA RESIDENTS: CALIFORNIA PRIVACY RIGHTS
Under the California Consumer Privacy Act or CCPA, and subject to exceptions, California residents have certain rights regarding their data, including:
The right to understand the categories of private information we’ve collected and therefore the categories of sources from which we got the knowledge (see Section 4);
The right to know the business purposes for sharing personal information (see Sections 5 and 6);
The right to understand the categories of third parties with whom we’ve shared personal information (see Sections 5 and 6);
The right to access the precise pieces of private information we’ve collected and therefore the right to delete your information; and
The right to cop out of getting your personal information sold.
Please note: We do not sell your personal information and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as needed by law. Similarly, we don’t offer financial incentives related to our collection, use, or disclosure of your personal information.
California residents have the proper to not be discriminated against if they prefer to exercise their privacy rights. An agent may submit an invitation on your behalf, but you want to verify that your agent is permitted to try to do so.
We do not currently have a reasonable method of verifying the identity of non-registered users to a reasonable degree of certainty, as we do not maintain enough personal information to enable us to verify non-registered users with sufficient certainty. Thus, we cannot honor the access or deletion requests of non-registered users at this point.
As a California resident with a registered account, you’ll exercise your right to understand or your right to deletion by logging in and submitting a “CCPA Request” through our E-Form system. Please note that these rights are subject to certain exceptions that can apply to independent contractors.
Separate from the CCPA, California’s Shine the sunshine law gives California residents the proper to ask companies what personal information they share with third parties for those third parties’ marketing purposes. We don’t disclose your personal information to 3rd parties for the aim of directly marketing their goods or services to you.
13. NEVADA RESIDENTS: NEVADA PRIVACY RIGHTS
Nevada law (SB 220) requires website operators to supply how for Nevada consumers to opt-out of the sale of certain information that the web site operator may collect about them. We do not sell your personal information to third parties as defined in Nevada law, and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as needed by law.
14. QUESTIONS OR COMMENTS
CONTACT INFORMATION. If you have any questions or comments relating to our website or the privacy policy, send an e-mail to [email protected] or write to: