Effective date April 9, 2019 at 9:08am MST.
1. WHO WE ARE
Parallel Focus LLC (“us”, “we”, “our” or “the company”) is a United States-based company committed to respecting your privacy and abiding by United States privacy laws. We do not intentionally market our products or services to the European Economic Area.
7. INFORMATION COLLECTED BY THIRD-PARTY WEBSITES THAT WE LINK TO.
8. INFORMATION WE AUTOMATICALLY COLLECT AND HOW WE USE IT
c. Do not track signals.
We do not respond to or honor “do not track” signals sent by web browsers or other third party sources.
d. Facebook Pixel
e. Google Analytics
Like so many other websites, we use the Google Analytics service to receive anonymous aggregate data about our site’s visitors. Google Analytics tracks site usage and allows us to view information such as referring websites, keywords used to discover or access this site, and user actions on this site. This helps us understand our website’s traffic and improve our marketing and writing efforts so that we can hopefully reach more people. To help safeguard your privacy, we have IP Anonymization set up so that your IP address is made anonymous as soon as technically feasible at the earliest possible stage, and so that your full IP address is never written to disk at Google. Effective May 25, 2018, the user and event data retention period for this site is set to 14 months (the shortest possible option at this time) and it resets on new activity. If you want to opt out of Google Analytics tracking, you can install the Google Analytics opt-out browser add-on for the browsers that you use.
9. INFORMATION YOU VOLUNTARILY SUBMIT TO THE SITE AND HOW WE USE IT
a. If you comment on the site.
We often allow comments on this site. If you choose to leave a comment, we will collect the following types of data: the comment itself (which includes any information you choose to share), your name or pseudonym, your email address, and a website address if you choose to share that address. If your comment is approved (either automatically or manually) your comment, name or pseudonym, and website address will be publicly displayed on the associated post. If your comment is approved or waiting for moderation, your email address will be visible to users with Administrator access to this site. All of the information you share, including your email address, will be stored in the site’s database in regular plain text form unless you request that it be removed. If your comment is not approved, all of the information you shared, including your email address, will be temporarily stored in the site’s database in plain text form for a maximum of two months, after which it will be deleted from the site’s database. We may email you in response to a comment on the site. We may also publicly reply to your comments on the site, and members of the public may publicly reply to them too.
b. If you email us.
If you email us, we will have any information you choose to share in that email, including your email address and any information generated by email service providers along the way. Email is not secure, and that information will also be visible in plain text to anyone who is able to access that email. We may reply to your email. In rare circumstances, we may forward your email to the authorities if we feel the situation is warranted.
c. If you join our email list(s).
We use Aweber to host and manage our email lists. You may be added to our email list(s) if: you asked to be added by filling out a form, you asked to be added on Facebook, you asked to be added via email, or you have signed up for our program. The following information is automatically collected by Aweber in those cases: your email address, the date and time you were added to the list, the address of the page on our site where you signed up for the list or the method used to gain permission, the nickname of the form (for example, “budgeting”) that you used to sign up if applicable, the IP address and country you used to sign up from, and sometimes additional geolocation information. While we would prefer not to collect additional geolocation information beyond the region/state, at this time are unable to turn it off. Aweber also automatically keeps track of the date and time the last followup email was sent to you.
If you are added to our email list because you joined our program, we will also add the first and last name you provided. If you were not already on our list before joining our program, the geolocation information collected by Aweber will be our location instead of yours.
We collect this information in order to make sure we are complying with anti-spam laws, to pay appropriate transaction privilege taxes if applicable, to send you the emails you requested, and to interact with you in our program and/or Facebook group(s).
All html emails sent may contain tracking pixels, which is a standard practice enabled by a large number of major email service providers. The pixel is typically a 1×1 image embedded in emails. We may see if and when you open an email and which links within the email you click. This allows us to analyze the success of our past marketing campaigns and improve future campaigns.
If you no longer wish to be on one or more of our email lists, you can automatically unsubscribe at any time from that list by clicking the unsubscribe link in any email from us. If you have unsubscribed from a list, you will immediately stop being sent future emails from that list, and you will no longer get emails from us at all unless you subscribed to more than one list or you choose to resubscribe at any point. The information associated with your former email subscription will be deleted from the list by us on Aweber on a periodic basis, typically within one week but occasionally within two months after unsubscribing.
d. If you join our program.
If you become a member of our program, we will provide a login to www.jackiebeck.com so that you can access the course. Your username is stored in plain text in the site’s database and your password is stored in hashed form in the site’s database. Hashed form means it is not stored in regular text but is instead turned into a form that is difficult to decode. (This is exactly the same way every username and password is stored on this site, including administrators and authors.) If you become a member of our program, we will also add you to our program’s secret Facebook group. We may interact with you in the Facebook group or send you additional emails related to the program. (For example, a reminder to do your monthly check-in.) As a part of the monthly check in process, you may voluntarily provide any information you choose, including information about your debt progress. Do not include any account numbers or social security numbers. Your monthly check-in information is stored using Google Docs. If you choose to submit the amount of debt you have repaid, we may share that data in aggregate form only for the purposes of advertising our program, unless you have given specific written permission otherwise.
e. If you join or use our Facebook group(s).
If you use our Facebook page or have been added to one or more of our Facebook groups (such as by joining our program or requesting to be added to our closed public group), we will be able to see any information that is available about you based on how you have set your Facebook privacy settings, in addition to any information you choose to share within our group(s). Other group members will also be able to see any information you choose to share within those groups and any information that is available about you based on how you have set your Facebook privacy settings. You can learn more about using Facebook’s privacy settings here. Our program’s Facebook group is set to secret, and our open-to-the-public Facebook group is set to closed. You can learn more about privacy settings for Facebook groups and the difference between secret and closed Facebook groups here. While we hope that all group members will keep content that is shared private, we have no control over other people’s behavior. Remember that the Internet is forever, and screenshots are possible. You can leave a Facebook group at any time by clicking Leave Group.
f. If you use our Facebook page(s).
If you comment, like, or otherwise react on our Facebook page(s), we and any other visitors to the page will be able to see any information that is available about you based on how you have set your Facebook privacy settings. We and any other visitors to the page(s) may also see your comments, likes, and reactions. Review Facebook privacy settings and controls regularly to make sure you understand them.
g. If you use the app.
If you have the app and have created a password for it and/or entered data of any other sort into the app (such as your debt information and/or notes), that information is stored on the device(s) you have the app installed on and the devices you backup the app and/or its data to. Please use a password on your device(s), and safely store device serial number(s) in case you need to report a device lost or stolen. If you have chosen to upload data from the apps to the cloud, that data will also be stored there in accordance with Google or Apple’s privacy policies and the policies of the internet provider(s). If you have opted to allow Google or Apple to receive crash logs from the app, those logs may be automatically uploaded to Google or Apple. If you have chosen to email data you had input into the apps to one or more email addresses, that information is now visible in plain text to anyone who is able to access that email. Remember that email is not secure and you should not include account numbers, which you must acknowledge your understanding within the apps prior to using the optional upload feature.
h. Sensitive personal information.
At no time should you submit sensitive personal information to the site, the app, or our program via any method. Sensitive personal information includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships.
10. THIRD-PARTY SERVICE PROVIDERS SUMMARY
We currently use the following third-party service providers to service various aspects of the site, the apps, and our program. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies, which you can view on their sites.
Amazon – to potentially earn income via advertising, links to Amazon.com, and books
Apple – to sell the iOS version of the app
AppsFlyer – to track the site names of our affiliates that may refer people to the app, and clicks and purchases of the app from those sites
Aweber – to host our email lists and create email opt-in forms
WPopt – to host our site and site email addresses
Facebook – to advertise our products, services, and articles, to provide information and interaction on our Facebook pages and Facebook groups
Google – to sell the Android version of the app, and to use the Google Analytics, Google Tag Manager, Google Docs, and G Suite email services
LinkedIn – to share articles and provide information about the company
Mediavine – to serve ads on our site
Microsoft App Center – to track bugs and analytics in the app
Social Warfare – to share our articles on social media, and to allow others to easily share our articles on social media site such as Pinterest, Instagram, Facebook, Twitter, Mix, MeWe, etc.
YouTube – to to advertise our products, services, and articles, to host videos, and to interact with videos we find interesting
Stripe – to process some payments for our program
PayPal – to process some payments for our program and to pay our affiliates
11. DISCLOSURE OF PERSONALLY IDENTIFIABLE INFORMATION
We may disclose personally identifiable information under the following circumstances:
a. When required by law.
We will disclose personally identifiable information about you if we have it and if we have a good faith belief that we are required to do so by law.
b. In cases of a life-threatening nature.
We may disclose personally identifiable information about you to law enforcement if we have it and if we have a reasonable belief that an emergency situation exists that we believe could be of a potentially threatening nature to others or yourself. For example, if you say something a potentially threatening nature to others or yourself in an email to us, in a comment on this site (even if it is not published), on our Facebook page or in our Facebook groups, during a 1:1 or group call or video with us, or via any other type of message or conversation, we might believe it is an emergency situation and contact law enforcement.
c. In case of ownership change.
12. AFFILIATE PROGRAM PARTICIPATION AND ADVERTISING
a. Affiliate program participation.
We also engage in affiliate marketing for a variety of other products and services that we believe in. This is done by embedding tracking links into the site and emails we send. If you click on an affiliate link, a cookie will be placed on your browser to track any visits and sales for purposes of commissions.
You can view our affiliate policy here.
b. Display ads.
c. Retargeting/remarketing ads.
13. RIGHTS RELATED TO YOUR PERSONAL INFORMATION
Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify us at firstname.lastname@example.org to be removed from our mailing list(s).
Access – You may access the personal information we have about you by submitting a request to email@example.com.
Amend – You may contact us at firstname.lastname@example.org to amend or update your personal information.
Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to email@example.com.
Please note that we may need to retain certain information for record-keeping purposes, to complete transactions, or when required by law.
14. CHILDREN’S INFORMATION
We do not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that we have personally identifiable information of a child under the age of 16, please contact us immediately at firstname.lastname@example.org and we will use our best efforts to promptly remove such information from our records.
15. CONTACT INFORMATION