This Privacy Policy ("Policy") tells You how Financial Wellness Labs, Inc. ("Financial Wellness Labs", "we," "us," or "our") collects, uses, shares, secures, and eventually deletes, information collected from and about visitors to our Website, and from our Customers. We respect Your privacy and are committed to protecting the Personal Information that You may share with us.
Remember that your use of Financial Wellness Labs's Services is at all times subject to our Terms and Conditions, which incorporates this Privacy Policy. Any capitalized terms we use in this Policy without defining them in the Definition section below, will have the same meaning that has been given to such terms as provided for in the Terms and Conditions.
This Policy covers both our online and offline data collection activities, including information that we collect through our Website, as well as our offline with our on 1-on-1 financial coaching. By continuing to visit and use our Website, You are agreeing to the terms of this Policy. If You do not agree, then please exit this Website and close Your browser.
Additionally, if You sign up for our coaching or other individualized programs, in which You share Your Personal Information with us directly either offline or via virtual meeting, You are consenting to the terms of this Policy as well. If You do not consent to share Your Personal Information with us via these programs, then please do not participate in the same and do not share any of Your Personal Information with us.
"Customer" means a natural person who signs up for our services.
"Personal Information" means any information relating to an identified or identifiable individual that is collected from our Customers and Users via our Website or offline at one of our in-person events or programs. Personal Information may include a Customer's or a User's: full name, physical address, email address, IP address, or other identifier such as from a Cookie. Personal Information does not include any aggregate or anonymized data that may have been created from Personal Information but can no longer be used to identify, relate to or could reasonably be linked to a Customer or a User.
"Sensitive Personal Information" means any information collected from our Customers and Users that reveals a racial or ethnic origin, political opinion, religious belief, philosophical belief or trade union membership. It also may include a natural person's genetic and biometric data, financial information, and data concerning their health, sex life or sexual orientation.
"User" means a natural person that visits and interacts with our Website.
"You" or "Your" means a Customer or User.
"Website" means https://www.questis.co/.
Financial Wellness Labs offers a range of services, both via our Website and offline and via virtual meeting via our coaching sessions. It is our policy to only obtain the Personal Information that is necessary to provide our products and services to You and to limit the access to customer Personal Information to only those individuals who need it to serve our Customers' and Users' needs.
Additionally, as we strive to provide the best service and experience, certain information may also be used to maintain and improve our customer service to You; be used to create and develop new products, offerings, and events; and otherwise support the provision of our services to our Customers. We have outlined all of the different ways that we share and use Your information in this Policy.
We collect certain Personal Information from You in order to operate our Website effectively and provide You with the best experiences when You visit and use it.
When You register for a Customer account online or sign up for a subscription with us, we will collect certain Personal Information about You such as Your name, address, e-mail address, date of birth or age range, telephone number, general geographic location (such as Your zip code or city and state), hobbies and interests, information about your job and employer, or other lifestyle information.
We may also collect Your Sensitive Personal Information, such as Your gender, Your financial information (such as details of Your financial accounts, salary information, and tax information), and information about your financial goals. Please note that we utilize MX Technologies Inc. to collect, process, and store this information for You via our platform. You have the option to modify certain demographic information stored under Your account profile.
We will also collect certain Personal Information about You if You sign up to receive our marketing communications or if You provide us with a review or feedback about our products, we may collect certain Personal Information from You along with that feedback and in certain cases Your Sensitive Personal Information as well too.
If You are a Customer and make a purchase with us directly online, we also need to collect Your financial information, which is also considered Sensitive Personal Information. We would also need to collect any information that You use to make a purchase, such as Your credit card details (cardholder name, card number, expiration date, etc.) or other forms of payment (if such are made available). This also includes the billing name and address associated with Your form of payment.
If You choose, You can have Your payment information stored as well (along with Your account history and other related preferences). Please note that we utilize a third-party payment processor to facilitate all online payments and thus when You make a payment and if You choose to store Your payment information on Your account, such information will be collected, processed, and stored by the Payment Processor not with us directly. Please see our Payment Processing section below for more information.
We also may use various technologies and methods to collect information directly from You or from Your computer or device and about Your activities on our Website.
Information collected automatically: We may automatically collect information from You when You visit Our Website. This information may include Your IP address, location data, Your browser type and language, access times, the content of any undeleted cookies that Your browser previously accepted from us, referring or exit website address, internet service provider, date/time stamp, operating system, locale and language preferences, and system configuration information.
We use Google Analytics to collect information about Your use of Our Website as well.). To disable Google Analytics, please download the browser add-on for the deactivation of Google Analytics provided by Google at https://tools.google.com/dlpage/gaoptout?hl=en. To learn more about privacy and Google Analytics, please see: https://policies.google.com/technologies/partner-sites.
We may also collect information from You automatically through any site or web application that we may develop and run on a third party social network such as Facebook. This could also include any site or application that we specifically design for use on a cell phone or other mobile device, such as a mobile-enabled site (i.e., WAP site) or mobile application (e.g., iPad/iPhone app).
Cookies: When You visit our Website, We may assign Your device one or more cookies to facilitate access to our site and to personalize Your online experience. Through the use of a cookie, we also may automatically collect information about Your online activity on our site, such as the web pages You visit, the links You click, and the searches You conduct on our site.
Most browsers automatically accept cookies, but You can usually modify Your browser setting to decline cookies. A cookie is a small text file that is stored on a user's computer for record keeping purposes. Cookies can be either session cookies or persistent cookies. A session cookie expires when You close Your browser and is used to make it easier for You to navigate our website. A persistent cookie remains on Your hard drive for an extended period of time.
We use cookies to personalize content and ads, to provide social media features and to analyze our traffic. We also share information about Your use of Our site with Our social media, advertising and analytics partners, who may combine it with other information that You've provided to them or that they've collected from Your use of their services.
When You first visit our site, we provide You with a choice to either accept or deny certain cookies. If You choose to decline cookies please note that some of the features and services of our Website may not function as well as intended. Even if You choose to accept cookies, You are always free to change Your mind and revoke that consent. Also, to opt-out from third-party cookies that are used for advertising purposes, You can do so on the NAI website at https://www.networkadvertising.org/managing/opt_out.asp.
Technical computer information is not typically associated with Your personal contact information.
We may ask You to voluntarily share with us comments on and aspects of Your experience in using our services, including coaching services and our Website, via customer surveys online and feedback forms that we may e-mail to or solicit from You. We may also collect comments and suggestions about our services and Website, testimonials, or other feedback You send us about what You may have liked (or disliked) about Your experience in using our services.
We may use standard Internet technology, such as web beacons, pixels, and other similar technologies, to track Your use of our Website. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer to Customers and Users of our Website, to deliver targeted advertisements, and to measure the overall effectiveness of our online advertising, content, programming, or other activities.
Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies, which are stored on Your device, web beacons are embedded invisibly on the web pages (or in emails) and are about the size of the period at the end of this sentence. Web beacons may be used to deliver or communicate with cookies, to count visitors to certain pages, and to understand usage patterns. We also may receive an anonymous identification number if You come to our Website from an online advertisement displayed on a third-party website.
When You receive access to our services from Your employer or an organization you are a member of, we need to collect certain Personal Information about You such as Your name and work e-mail address or other email address or Personal Information to enable You to claim Your membership via Your employer or the referring organization.
Please note that we do not share any Personal Information that our Customers provide directly to with their employers or the referring organization. We only receive Your eligibility information from such third-party, and will only share the fact that You have signed up for our services.
Live Chat with Customer Service Team: If You use the Live Chat feature on our Website, we will collect certain information from You such as Your name, email address, and information about why You are chatting with us. Some of that information may be considered Sensitive Personal Information as it may reveal Your gender and race.
We only collect this information in order to communication with You, address why You are chatting with us, and ensure that You have a great customer experience. We may also record the live chat and/or keep a transcript of the same for our business purposes and as needed for any follow-ups You may have about the issue You contacted us about. If You do not consent to the recording of Your live chat conversation, please contact us via email at Privacy@questis.co.
Additionally, we may use a bot or other automated tool to collect certain information from You or to provide You with certain information when You interact with our Live Chat feature on our Website.
Call Center and Customer Service: If You contact us over the phone in order to place an order, speak to our Customer Service department or send postal mail to our customer service department, we will collect certain Personal Information from You, such as Your name, home address, e-mail address, and phone number. We may also need to use Your Personal Information to sign You up for our services, and/or further contact You to respond to Your inquiry or request.
We collect Your Personal Information and Sensitive Personal Information for various reasons, which are described below:
We use information collected to ensure that our Website and/or App are working as intended and for analytics purposes, to understand how our Website and/or App are operating and learn how they can be improved. We also use this information as needed for auditing purposes as well.
We use information collected to provide our services to you, and to follow up with You about Your satisfaction with the ordered products.
We may use information collected to maintain Your account(s) with us, including administering any programs associated with such account(s).
If You have filled out a contact form with us, signed up to receive our alerts or newsletter, or have otherwise signed up to receive our direct communications, we may use this information to send You marketing communications, such as email communications, mobile messages (including text and/or push notifications), and postal mailings.
These communications may inform You about new products, store events, special discounts and coupons, beauty tips, and other news and special offers. On occasion, these communications may also contain information or offers about third party products. In some instances, we may use technical information or precise geo-location information obtained from Your mobile device to send You messages directly to Your mobile device, including offers and coupons based on Your location.
We may use this information to ensure we are providing the highest level of customer service, and to identify any potential gaps or potential improvements to the same. Customer service may be provided through various forms of communication, such as email correspondence and call center support.
We may use information collected to improve our products and services, tailor them to Your needs, and come up with new product ideas.
We may use information collected to administer a contest, giveaway, competition, or other similar marketing campaign or promotion. For more information about our contests and other promotions, please see the official rules or details that will be posted with each promotion.
If You have requested further information or in any other way requested that we contact You, we will use Your Personal Information to respond to such a request.
We may use information collected to personalize Your experience and save You time when You visit our Website. For example, we might remember Your login ID or username so You can quickly login the next time You visit our site. Based on this type of information, we might also show You specific Financial Wellness Labs content or offers that are more relevant to Your interests.
We may use information collected other general business purposes, such as to maintain the day-to-day operation and security of our Website and/or App, and to conduct internal marketing and demographic studies.
We also collect information in order to comply with certain legal rules and regulations that we are subject to.
We only store and maintain Your Personal Information for as long as is necessary to fulfill the purpose for which it was collected. For example, if You sign up to receive Our newsletters or to receive job alerts, We will store and maintain Your Personal Information to continue to send You these materials until You opt out of receiving such communications.
With regards to Your Personal Information collected for our analytics purposes and used to help maintain and improve Our Website, we only store and maintain that information until it is aggregated and used to create a new anonymous data set that no longer contains Your Personal Information, and then delete the underlying Personal Information once that new data set has been created.
If You are one of our valued Customers and have created an account with us, we store Your Information as long as Your account remains active, and then delete it when You delete the account, with the exception of any information that we are legally required to maintain longer.
If You are a Customer and You do not have an account, we only store Your information as long as needed to support Your purchase and relationship with us. When we no longer have a legal need, or You close or delete Your account with us, or otherwise ask us to delete Your account, we will do so securely.
Financial Wellness Labs does not sell Your Personal Information that it has collected via Our Website to any third parties. We do not sell Your Sensitive Personal Information to any third parties and only use Your Sensitive Personal Information to provide our products and services to You.
Generally, we share Your Personal Information as necessary to provide the services or products You request, including sharing information with certain third parties, such as service providers. We also may share Your Personal Information when required to by law; to protect Your rights and safety, and with Your consent. Specifically, we may share Your Personal Information with third parties, including:
We may share Your Personal Information with our authorized service providers that perform certain services on our behalf. These services may include relationship management software; website hosting; evaluators, contractors and auditors; email marketing providers; customer service providers; providers that perform business and operations analysis for us; and providers that support and maintain our Website, including providing analytics services for us.
We need to share Your Personal Information and Your Sensitive Personal Information with our third-party payment processor in order to complete Your purchases on-line. You may also be able to store Your payment information with these providers via Your profile with us. We do not store any of Your financial information directly and any such storage or remembering of the same will be facilitated by our third-party payment processor.
Additionally, we utilize Stripe as our Payment Processor. Stripe collects, processes, and stores Your payment information directly for us. You can learn more about Stripe's privacy practices here: https://stripe.com/privacy.
We may have to share Your Personal Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
We may have to share Your Personal Information in situations where we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our consumers, our employees, or others; or to enforce our Terms of Service or other agreements or policies.
We may also share Your Personal Information as part of a sale, merger, or change in control or ownership of Financial Wellness Labs, or in the unlikely event of bankruptcy, or in preparation for any of these events. If such an event should happen, the new entity would have the right to continue to use Your information, but only in the manner that is set out in this Policy, unless You otherwise agree.
To other third parties that You provide consent to share Your information with or that You have requested that we share Your information with.
Financial Wellness Labs maintains a comprehensive Information Security Program that employs commercially available physical and IT securitization tools, including but not limited to:
Unfortunately, however, there is no way to completely eliminate the risk of a data security incident. If we do suffer one that affects any of Your Personal Information, we will report the same to You as per applicable data breach notification laws.
We also ask that You do Your part to keep Your account information safe and secure, by asking that You create a sufficiently complex password for Your account and not share it with third parties, as outlined in our Terms of Service. If You have any questions about the cybersecurity for our Website, You can send an email to Privacy@questis.co.
Our website and products are not made for, marketed to or directed at children under the age of 16 years of age. We do not sell the Personal Information of persons under 16 years of age. In the event that we learn that the Personal Information of a person under 16 years of age has been collected, we will delete it immediately from our system.
Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to request from a business, with whom the California resident has an established business relationship, certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year.
However, we do not sell, rent, or otherwise share Your data to any third party in exchange for monetary or other valuable consideration under any circumstances. If You are a California resident and want a copy of this notice, please submit an email request to Privacy@Questis.co. In Your request, please specify that You want a "California Privacy Rights Notice." Please allow 30 days for a response.
DNT is a setting on some web browsers or mobile devices that can be turned on to instruct websites to disable tracking of Your web browsing activities. DNT is not currently widely adopted and does not have clear standards or guidelines as to how websites are to interpret it. Additionally, its signals can affect the functioning of certain websites. As such, we do not generally respond to these signals.
Third-parties may be using Cookies or other technologies to collect Your personal information as You navigate through the internet including from Our Website. As described above, You may decline these third-party Cookies by changing Your browser settings.
Our Website may provide links to, or features from, other third party sites (such as third party social networks) that we do not own or control. When You visit these third-party sites and decide to share Your Personal Information with them, You are assuming the risk of doing so.
Financial Wellness Labs is not responsible for nor assumes any liability for the privacy practices of websites operated by any third parties, including those that may be linked to our Website, and including the content of those sites. You should check the applicable privacy notice and/or policy of the third party website or application to understand how it collects and manages any information they collect from You.
As noted in our Terms of Service, Questis does not endorse or control any other websites or applications besides Our Website, nor does the act of providing a link to a third party website or application constitute an endorsement, promotion or approval of such website or application.
We do not sell, rent, or otherwise share Your data to any third party in exchange for monetary or other valuable consideration under any circumstances unless You specifically consent to such disclosure. Pursuant to Section 603A of the Nevada Revised Statutes, residents of Nevada may, at any time, submit a request to an operator of a website in Nevada directing the operator not to make any sale of any personal information the operator has collected or will collect about the consumer.
If You are a Nevada resident and want to opt-out of the sale of any personal information, please submit an email request to privacy@orveonglobal.com. In Your request, please specify that You want to "Opt-Out of Sale of Personal Information in Nevada." Please allow 60 days for a response.
You can always opt-out from receiving marketing communications by following the unsubscribe instructions provided in each communication. If You have an online account with us, You may be given the option to change some of Your communication preferences under the relevant "My Account" section of our site or by calling Customer Service.
Please note that even if You opt-out from receiving marketing communications, You may still receive other communications from us, such as order confirmations, notifications about account activities (e.g., account confirmations, password changes, website community postings, etc.), and other important announcements (e.g., product recalls, privacy policy changes, etc.).
You can also Opt Out of our Marketing Communications and otherwise exercise Your privacy rights by emailing us at: Privacy@questis.co.
Any changes to the Policy will be posted directly on our Website and reflected with a new Effective Date at the top of this Policy. We encourage You to review the Policy each time You visit our Website to see if it has been updated since Your last visit.
If you have any questions or comments about this Policy, the ways in which we collect and use your Personal Information or your choices and rights regarding such collection and use, please do not hesitate to contact us at:
Email: support@questis.co
Phone: 855-843-5233
Mail: Financial Wellness Labs, Inc., 4 W Palisade Ave #1210, Englewood, NJ 07631
