HEM Financial Group LLC and its affiliates (“we”, “our”, and/or “us”) values the privacy of the individuals who use our website, hemfinancial.com, and related services (our “Website”). Our privacy policy helps you better understand what information we collect, how we collect it, use, and share from users of our Website (“you”, or “your”). By using our Website, you agree to the collection, use, disclosure, and procedures this Privacy Policy describes. Beyond the Privacy Policy, your use of our Services is also subject to our Terms.

1. Information You Provide Us

1. When you communicate with us, we collect your name and email address when you request to join our Newsletter list, waiting lists for upcoming courses, seminars, or digital products or communicate with us.
2. When you purchase from us, we collect your name, email address, phone number, billing and delivery address(es), and payment information.
3. Please be advised that your voluntary participation or contribution to our website through the comments section of our blog posts or comments section of our social media platforms is considered public and therefore, is not subject to the privacy policy protections.

2. Information We Receive from Third Party Providers

a. In addition to the information you provide us, we collect information from you using other technologies, including:

i. Cookies, which are small bits of information that are used to remember information about activities on our Website to make your visits to our Website more enjoyable and valuable by providing a customized experience and recognizing your preferences. Most web browsers are initially set up to accept cookies, but you can reset your web browser to refuse all cookies or to indicate when a cookie is being sent. Certain features on our website may not function if cookies are disabled. THE SITE’S COOKIES DO NOT AND CANNOT INFILTRATE YOUR HARD DRIVE TO COLLECT ANY INFORMATION STORED ON YOUR HARD DRIVE.

1. 1. 1. 1. Please be advised that we cannot control the use of cookies by sites linked to our site or to third-party sites that have purchased banner advertisements, and therefore are not responsible for the privacy practices or the content of such sites. Please review the privacy policies of other linked websites as the privacy policies of these websites, and their use of cookies, may differ from our Privacy Policy.

ii. Web beacons or clear pixels. Web beacons are small graphic images on a web page or in an email, which allow us to record and track the performance of particular advertisement of webpage.

iii. Web server logs: Web server logs are records of activity created by the computer that delivers the webpages requested by your browser. For example, a web server log may record the search term entered or the link clicked to bring you to a webpage. The web server log also may record information about your browser, such as IP address and the cookies set on the browser by the server.

iv. Analytics: we may use service providers such as Google Analytics or other service providers to collect information regarding visitor behavior and visitor demographics. You can opt out of Google’s collection and processing of data generated by your use of our Website through Google.

v. In addition, we may automatically collect data regarding your use of our Services, such as the types of content you interact with and the frequency and duration of your activities. We may combine your information with information that other people provide when they use our Website, including information about you when they tag you.

3. How We Use Personal Information

a. We may use the information you provide or the information we receive from third parties for the following:

i. To evaluate your recent visits to our website, how you move around different sections of our website for analytics purposes to understand how people use our website so that we can improve the user experience.

ii. To keep a record of the articles on our website that you have clicked on and use that information to target advertising on this website to you that is relevant to your interest based on the content you interacted with.

iii. To respond to inquiries, questions, and/or other requests you submit to us. If you join our mailing list, you will receive emails that may include news, updates, seminars, trainings, courses, related product or service information, etc. If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

4. How We Protect Personal Information

We take reasonable precautions to protect your information by using physical and electronic safeguards designed to improve the security of the information we maintain. However, as our Website is hosted electronically, we can make no guarantees as to the security or privacy of your information.

5. Children’s Privacy

We do not knowingly collect, maintain, or use personal information from children under the age of 13, and no part of our Website is directed to children. However, if you learn that a child has provided us with personal information, then you may contact us at the contact listed below.

6. Our Data Retention Policy

Typically, we retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.  We may retain your personal information indefinitely for future marketing opportunities and other purposes such as tracking trends, as well as to comply with other obligations, including, but not limited to legal obligations, resolve disputes, or enforce any of our agreements. We reserve the right to delete your personal information if we believe that the data is incomplete, inaccurate, or that our continued use and storage are contrary to our obligations to other members, individuals, or third parties. You may request that we delete your personal information by contacting the email listed below.  

7. Sharing Your Personal Information

Generally, we use personal information for internal purposes only. While we do not sell or rent information about you, there may be instances when we may disclose personal information to protect our legal rights, other affiliated companies or their employees, agents, and contractors; to protect the safety and security of other Website visitors; to protect against fraud or for risk management purposes; or to comply with the law or legal process. In addition, if we sell all or part of its business or make a sale or transfer of assets or get involved in a merger or business transfer, we may transfer personal information to a third party because of that transaction.

8. Your Data Protection Rights

a. As the owner of your personal data, your rights include:

i. The right to access – to request copies of your personal data, which we cost you a small fee for this service.

ii. The right to rectification – to request a correction to any information you believe is inaccurate or incomplete.

iii. The right to erasure – to request that we erase your personal data under certain conditions.

iv. The right to restrict processing – to request that we restrict the processing of your personal data, under certain conditions.

v. The right to object to processing – to object to our processing of your personal data, under certain conditions.

vi. The right to data portability – to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

b. We are also committed to respecting all the above rights in compliance with applicable laws and regulations, including the European Union’s GDPR. If you wish to inquire about any of those rights or have any concern, please contact us immediately using the contact details below.

9. Contacting EU Supervisory Authorities

If you are a resident of the EU, you have the right to lodge a complaint with a supervisory authority of your habitual residence, place of work, or place of the alleged infringement if you believe that we are illegally processing your personal information. 

10. California Privacy Rights

Pursuant to California’s “Shine the Light” law, California residents who provide personal information (as defined in the statute) to obtain products or services for personal, family, or household use are entitled to request and obtain, once a year, information about the personal information we shared, if any, with other businesses for marketing uses. If applicable, this information would include the categories of personal information and the names and addresses of those businesses, if any, with which we shared such personal information for the immediate prior calendar year (e.g., requests made in the current year will receive information about the prior year). To obtain this information please reach to us at the contact listed below.

11. Transmission of Data to Other Countries

Your personal information is processed in the United States, where privacy laws may be less stringent than the laws in your country and where the government, courts, or law enforcement may be able to access your data.  By submitting your personal information to us, you agree to the transfer, storage, and processing of your personal information in the United States.

12. Third Party Websites

Our Website contains links to third party websites, which are not covered by our Privacy Policy. By browsing and interacting on any other website, including websites which have a link to our Site, we advise you to check that website’s own terms and policies.

13. Changes to this Privacy Policy

We have the discretion to update this privacy policy at any time. When we do, we will revise the updated date (the “Effective Date”). We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

14. Breach Notification

If it is determined that a data security incident occurred, we will notify you by email, US mail, telephone, or other means as permitted by law.

15. How to Contact Us

If you have any questions about our Privacy Policy or if you wish to access, change, or delete your personal information, please contact us at info@hemfinancial.com.