Effective Date: March 18, 2015

Wavelength Financial Education, Inc.


Privacy Policy

Wavelength Financial Education, Inc. (“Wavelength”) is dedicated to protecting your privacy and handling any personal information obtained from you with care and respect.  This Privacy Policy is designed to answer your questions regarding our privacy policies and principles.

Wavelength recognizes the need to provide additional protections for children under the age of thirteen who visit our sites.  To further protect children, Wavelength does not conduct business with children under the age of thirteen.  Wavelength does not knowingly collect any personal information from children under the age of 13 on our website.  If you are under the age of 18 but at least 13 years of age you may use this web site only under the supervision of a parent or legal guardian who agrees to be bound by the Wavelength Terms of Use.  Children under the age of 13 may not use this web site and parents or legal guardians may not agree to the Wavelength Terms of Use on their behalf.  If you do not agree to (or cannot comply with) any of the Wavelength Terms of Use, do not use this website.

This privacy policy incorporates by reference the Terms of Use of Wavelength and is incorporated into and is subject to the Terms of Use. Your use of the site and any personal information you provide through the site are subject at all times to the privacy policy and the Terms of Use. By using the site, you are accepting the privacy policy and the Terms of Use.

California Privacy Rights

If you are a California resident, you have the right to receive: (a) information identifying all third party companies to whom Wavelength may have disclosed, within the past year, personal information pertaining to you and your family for that company’s direct marketing purposes; and (b) a description of the categories of personal information disclosed. To obtain this information, please e-mail your request to support@wavelengthfinancial.com or mail your request to our address below.

Wavelength Financial Education, Inc.

1775 E. Palm Canyon Dr., Suite 110-228

Palm Springs, California 92264

Please allow 30 days for a response.

International customers:  If you have provided information to Wavelength from a country other than the United States, your information may be transferred to, stored, and processed by Wavelength in the United States or other countries other than your own.  This Privacy Policy and the storage, use, and disclosure of your information under this Privacy Policy is governed by the laws of the United States. You expressly waive the application of any laws of any territory other than the United States. If you provided information from a country that grants specific additional privacy rights, contact Wavelength at the address below to exercise your rights.

Question 1:

Does Wavelength share personally identifiable information to third party marketing organizations?

Answer 1:

No. Wavelength does not sell, rent, share, or otherwise give your personally identifiable information to third parties for marketing purposes. Often, companies receive extra income by providing customer contact information to marketing companies.  Wavelength does not provide customer contact information to marketing companies. For example, Wavelength will not give your address to junk mail (“direct marketing”) companies or email marketers (including “spammers”).  Wavelength may provide certain non-identifiable information to third parties for advertisement and marketing purposes regarding the website. Such information will be groups of data, such as geographical location, time of day, or other demographic information of users but not any information that identifies you individually. Wavelength may communicate with a Sponsoring Entity, such as informing the Sponsoring Entity regarding the extent of your use of Wavelength’s website (e.g., how much time spent on the website). A Sponsoring Entity is a financial advisory company, a brokerage firm, a bank, an insurance company, or similar entity contracted with Wavelength to pay for the cost of your access to Wavelength’s educational content. Wavelength may also aggregate information of users without personally identifiable information to understand demographic user information (e.g., user ages, geographic location).

Question 2:

Does Wavelength share personally identifiable information to any other third parties?

Answer 2:

Not in the normal course of day-to-day business. Wavelength does not provide your personally identifiable information to anyone, without your permission, unless compelled by law, in order to collect unpaid debts, to protect your security and safety, enforce the Terms of Use of Wavelength or to protect the security and safety of Wavelength web sites, third party web sites, and Wavelength employees. Wavelength may provide personally identifying information to your Sponsoring Entity. If you wish to register for Wavelength’s services through your Sponsoring Entity, Wavelength may collect your personally identifying information from you and send such personally identifying information to your Sponsoring Entity.

Question 3:

What information does this Privacy Policy cover?

Answer 3:

Except as specifically described below in Answer 4, this Privacy Policy applies only to personally identifiable information collected on the web sites where this Privacy Policy is posted and this Privacy Policy does not apply to any other information collected by Wavelength by any other means.  This Privacy Policy applies to any use and sharing of personally identifiable information collected on or after the date that this Privacy Policy is posted.  However, for customers that used our web sites and/or services before the date that this Privacy Policy was posted, Wavelength will apply this Privacy Policy to personally identifiable information associated with the customers only if the customer accepts the terms and conditions of this Privacy Policy.  Once the user has accepted the terms and conditions of this Privacy Policy, this Privacy Policy will also apply to personally identifiable information collected from the customers before the date that this Privacy Policy is posted.

When this Privacy Policy uses the term “personally identifiable information,” this means information that identifies a particular individual, such as an individual’s name, mailing address, and email address.

Question 4:

What types of personally identifiable information does Wavelength Financial collect about customers?

Answer 4:

Much of the personally identifiable information received comes directly from customers interested in obtaining various services and information from Wavelength. Usually, this information includes a customer’s name, mailing address, and email address. Wavelength collects personal information when a customer registers, logs on, or visits Wavelength web sites. Wavelength collects account preferences and user time zone. Wavelength may also collect other types of information such as credit card information, debit card information, PayPal information, log ins, passwords, PINs, the type of services ordered or purchased, and the date of the order or purchase.

Wavelength also collects certain technical information from your computer each time you request a page during a visit to our web sites. This information may include your Internet Protocol (IP) address, your computer’s operating system, browser type and the address of a referring web site, if any. Wavelength may collect information about the way that you interact with our website, content, and advertising. Such information may include, but is not limited to, device ID, device type, machine ID, geo-location information, computer and connnection information, statistics on page views, traffic to and from our website, IP address, advertisement data, and standard web log information, and any telephone number that you provide us or from which you may call or otherwise contact us. Wavelength collects this information to enhance the quality of your experience during your visit to our web sites and to prevent fraud. Wavelength will not sell or rent this information to any third parties.

Wavelength may also obtain information from or about you in other ways. For example, Wavelength may verify user information with a service provider or combine your information with additional information collected from our affiliates and other third parties or other sources. Wavelength collects the information that you send, such as correspondence, blog posts, customer satisfaction surveys, customer service communications, and user content posted in reviews online, comments, forums, and third-party blogs.

Question 5:

Does Wavelength’s website use cookies?

Answer 5:

Wavelength uses session ID cookies. Wavelength also may use persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive or device for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “Help” file. For more information on cookies, one informative link is at http://www.microsoft.com/info/cookies.mspx.
We may set a persistent cookie to remember the affiliate from whom you found our website. If you reject cookies, you may still use our website. We do not track user activity after a user leaves our website.

We may use beacons, web server logs, widgets, and other technologies. “Web beacons” or “clear pixels” are small graphic images on a webpage or in an email that can be used for such things as recording the pages and advertisements clicked on by users, or tracking the performance of email marketing campaigns. A “web server log” is a record of activity created by the computer or device that delivers the webpages you request to your browser. For example, a web server log may record the search term you entered or the link you clicked to bring you the webpage. The web server log also may record information about your browser, such as your IP address and the cookies set on your browser by the server. A “widget” is a small program or application that can be embedded in a web page. Widgets can provide real-time information, such as stock quotes or weather reports, or other functionality, such as an availability button, a buy now button, or a contact support button. Widgets are often provided by a third party, and may allow the third party to collect data about users viewing that page. We may also use social media features such as the Facebook Like button, a Twitter button, or other social media features. These features may collect your IP address and the page you are visiting on our website and may also set a cookie to enable the feature to function properly.

Question 6:

How do you safeguard customer’s personally identifiable information?

Answer 6:

The security and confidentiality of your personally identifiable information is extremely important to Wavelength.  Technical, administrative, and physical security measures are used to protect customer information from unauthorized access and improper use. From time to time, Wavelength reviews security procedures to consider appropriate new technology and methods.  Please be aware that, despite best efforts, no security measures are perfect or completely impenetrable.

Question 7:

How can a customer update contact information?

Answer 7:

If you have registered with Wavelength’s website and you desire to update your contact information, you may send your request to support@wavelengthfinancial.com. Please provide information in the email message that will help Wavelength identify your account. Wavelength may also provide you with an opportunity to update your contact information by sending you an email message or other communication that invites your response.

Question 8:

How can a customer ask questions, or send comments, regarding this Privacy Policy?

Answer 8:

If you have questions or wish to send comments about this Privacy Policy, please send an email with your questions or comments to support@wavelengthfinancial.com or write to:

Wavelength Financial Education, Inc.

1775 E. Palm Canyon Dr., Suite 110-228

Palm Springs, California 92264
Please be assured that any personal information that you provide in communications to the above email and mailing addresses will not be used to send you promotional materials, unless you so request.

Question 9:

How does a customer know when this Privacy Policy is amended?

Answer 9:

Wavelength may amend this Privacy Policy at any time.  If any material changes are made in the way that personally identifiable information is collected, used and/or shared, you will be notified by sending you an email at the last email address that you provided Wavelength, and/or by prominently posting notice of the changes on the web sites covered by this Privacy Policy. Any material changes to this Privacy Policy will be effective upon the earlier of thirty (30) calendar days followed by dispatch of an email notice to you or thirty (30) calendar days followed by posting of notice of the changes on the websites covered by this Privacy Policy. Please note that at all times you are responsible for updating your personal information to provide Wavelength with your current email address. If your last email address provided is not valid, or for any other reason is not capable of delivering to you the above described notice, dispatch of the email containing such notice will nevertheless constitute effective notice of the changes described in the notice. Changes to this Privacy Policy may affect the use, by Wavelength of personally identifiable information provided by you before being notified of the changes. If you do not wish to allow changes in the use of your information, you must notify Wavelength before the effective date of the changes that you wish to deactivate your account with Wavelength.

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