Revised July, 2020
Personal Information We Collect – There are two primary ways we collect information about you: (1) when you voluntarily provide it to us while using the Services; and (2) with automatic technologies connected to the Services. We explain this in further detail below in the sections titled “Information You Provide to Us” and “Information We Automatically Collect.”
Information You Provide to Us – We collect information that you voluntarily provide when using the Services. For example, if you commence a financial advisory process with one of our affiliates, we may collect the information you provide or authorize us to collect, such as your name, e-mail address and certain financial information. If you choose to try our Decipher tool, we may collect information about your behavioral characteristics, such as your reaction to visual material. If you choose to open an account with one of our affiliates, we may also collect other personal information, such as your full legal name, contact information, date of birth, Social Security Number and other information that may be used to identify you.
a. To recognize you as a regular user;
b. To remind us of your identity;
c. To customize your website experience and target ads and offers to you;
d. To track your progress;
e. To measure and analyze website traffic patterns to understand how our users' habits are similar or different from one another;
f. To compile statistics on usage patterns; and
g. To conduct other research.
How We Share Information About You – We may share information we collect about you with business partners with whom we work, such as our affiliates and other companies that help us improve, market or provide our Services to you. In addition, we may permit our agents, vendors, consultants, and other service providers to access information we collect about you through the Services to carry out work on our behalf.
We may also disclose information about you to third parties: (1) if we are required to do so by law, regulation, or legal process (such as in response to a court order or subpoena); (2) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or in connection with an investigation of suspected or actual illegal activity; or (3) in the context of a business negotiation or transaction relating to PA 4 Finance or any affiliated entity (e.g., further to a merger, reorganization, liquidation, or any other business transaction), including negotiations of such transactions.
Your Choices – Keeping information about you up-to-date is important. If you are a customer of an affiliated company in the PA 4 Finance network, you may update, correct or delete contact information by contacting your financial professional. If you are a customer or a financial professional who has enrolled in online Services with PA 4 Finance or one of its affiliates, you can access your profile, review contact information that is stored, and revise certain types of information by signing into your online account.
Additionally, if you are a customer, financial professional or just a visitor, you can unsubscribe from marketing emails sent by PA 4 Finance by following the unsubscribe instructions included in our emails or EMAILING US DIRECTLY. Please note that even if you opt out of receiving such communications from us, we may continue to send you non-promotional emails, such as communications regarding our ongoing relationship with you.
Children's Privacy – We do not knowingly collect personal information from children under the age of 13 through our Services, and we do not knowingly market to children under the age of 13. If we learn that we have received information directly from a child who is under the age of 13, we will delete the information in accordance with applicable law.
Security – We employ administrative, technical, and physical safeguards to secure personal information. Although we use reasonable efforts to safeguard information, transmission via the Internet is not completely secure and we cannot guarantee the security of information collected through our Services.
Your Ohio Privacy Rights – The Ohio Attorney General has enforcement authority over more than 25 consumer protection laws, which are listed below with a brief overview of key protections that consumers have under the laws. Please note that the following information is for educational purposes only, and additional laws may apply. The Ohio Revised Code (ORC) and the Ohio Administrative Code (OAC) are available at http://codes.ohio.gov.
We do not sell your Personal Information to third parties. However, as described in this policy, we do allow third parties and service providers to collect Personal Information through the Services and share information with third parties and service providers for business purposes.
Right to Know/Access Information – You have the right to request access to Personal Information collected about you and information regarding the source of that information, the purposes for which we collect it, the categories of third parties with whom we share it, and the specific pieces of Personal Information we have collected about you. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request to know/access information.
If you have authorized someone else to make requests on your behalf, we require that you provide additional documentation, as described below.
Right to Request Deletion of Information – You have the right to request in certain circumstances that we delete any Personal Information that we have collected directly from you. To protect our customers’ Personal Information, we are required to verify your identity before we can act on your request to delete information. We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated.
Andrew Baker, PA-C, MBA
Founder, PA 4 Finance