Privacy Policy

Last updated: June 24, 2016

This privacy policy has been compiled to better serve those who are concerned with how their personally identifiable information (PII) is being collected and used on our website located at www.manageyourfinanciallife.com (the “Site”) which you may also access through www.nancydoyle.com (the “Doyle Site”). This Privacy Policy applies with equal force to the Doyle Site. PII is information that can be used on its own or with other information to identify, contact, or locate a single person or to identify an individual in context. Please read our Privacy Policy carefully to get a clear understanding of how we collect through our website, use, protect or otherwise handle your PII. We reserve the right, at our sole discretion, to modify or replace this Privacy Policy at any time. If a revision is material we will try to provide notice prior to any new terms taking effect. What constitutes a material revision will be determined at our sole discretion. By continuing to access or use the Site after those revisions become effective, you agree to be bound by the revised Privacy Policy. If you do not agree to the new Privacy Policy, please stop using the Site.

What PII do we collect from the people that visit our Site and any blog which we create, and when do we collect it?
We may ask for your email address and other information when you send us an email through the Site, sign up for our updates, and respond to a survey or marketing communications. Our updates will include, among other things, announcements and discussionsof recent industry news and developments. If you use a mobile device to access the Site, we may collect data about you.

How do we use your information?
We may use the information we collect from you to help us understand how people use our Site so that we can improve our Site and our users’ respective experiences.

What do we do with emails you send us through the Site?
If you send us an email through the Site, we will use the address you’ve given to respond on a one-time basis, and we will subsequently delete the received mail and email address. If you provide your email address in order to receive Site updates, we will keep that email address on file until you ask us to remove your email address from the Site update mailing list.

Do we use ‘cookies’?
We use a feature known as a “cookie.” Cookies contains bits of information that we transfer to you computer’s hard drive for record-keeping purposes. These files allow us to remember your preferences when on our Site. Cookies do not reveal or read any information from your hard drive. Information gathered through the use of cookies is not used in any way with any personally identifiable details. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is a little different, look at your browser’s Help Menu to learn the correct way to modify how cookies may be inserted into your hard drive.

If you turn cookies off, some features will be disabled. that make your site experience more efficient and may not function properly.

Third-party disclosure
We do not sell, trade, or otherwise transfer users’ PII to third parties unless otherwise noted herein or unless we provide users with advance notice of that sale, trade or transfer. We will provide users’ PII to Site hosting partners and other parties who assist us in operating our Site, conducting our business or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links
Occasionally, at our discretion, we may include or offer third-party products or services on our Site. These third-party sites have separate and independent privacy policies which we urge you to read before using those third-party sites. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection- act-caloppa/#sthash.0FdRbT51.dpuf

Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’ and can be easily be found on the page specified above.

You will be notified of any Privacy Policy changes:
• On our Privacy Policy Page

Can change your personal information:
• By emailing us

California resident users of this Site are entitled to know that they may file grievances and complains with the California Department of Consumer Affairs, 400 R. Street, Suite 1080, Sacramento, CA 995814 or by phone at 916-445- 1254 or 800-952- 5210 or by email to dca@dca.ca.gov.

How does our site handle Do Not Track signals?
We honor Do Not Track signals. When a Do Not Track (DNT) browser mechanism is in place we do not track that user or plant cookies on that user’s hard drive.

COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. These principles are especially important when a data breach occurs.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via in-site notification within 7 business days of the breach.
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

If at any time you would like to unsubscribe from receiving future updates:
Follow the instructions at the bottom of each email and we will promptly remove you from all correspondence.

Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below.

PO Box 572
Glencoe, IL 60022 USA
info@manageyourfinanciallife.com
OR
info@nancydoyle.com

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