Privacy Policy
The following describes the Privacy Policy for our website: https://insurancebyfaith.com
Your Privacy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online in-formation practices and the choices you can make about the way your information is collected and used. Youagree to agree to these policies by virtue of using our website in a way that leads to you providing us with per-sonal information.
State Law & Accompanying Rights
Please understand that you may have additional rights originating from State laws based on where you live.These State-based rights may augment, strengthen, or otherwise somehow compliment any privacy rights youhave inherently or under Federal law. Our policy is to comply fully with the privacy policies of every jurisdictionin which we operate. Accordingly, you are free to use our Contact information to reach us at any time to assertany State rights.
Our Commitment To Children’s Privacy
Protecting the privacy of the very young is especially important. For that reason, our website will never collector maintain information at our website from those we actually know are under 18, and no part of our website isstructured to attract anyone under 18.
Under our Terms of Service and Conditions of Use, children under 18 are not allowed to use our website andaccess our services. It is not our intention to offer products or services to minors.
Collection of Personal Information
When visiting our website, the IP address used to access our website may be logged along with the dates andtimes of access. This information is purely used to analyze trends, administer our website, track users move-
ment, and gather broad demographic information for internal use such as statistical assessments and websiteimprovement. Most importantly, any recorded IP addresses are not linked to personally identifiableinformation.
Other information may be collected as well, which is rather typical of most websites. For instance, the sourcethat referred you to our website is generally known. Likewise, your duration on our website, and your destina-tion when you leave our website can also be tracked. Other common data collected includes the type of operat-ing system the computer you are using to access our website has. Similarly, the type of web browser is oftennoted. Again, this is common data collection, and helps ultimately produce a better end-user experience.
Cookies are another common internet practice.
Cookies are a key means of improving user experience by al-lows us to customize your use of our website. Simple information is transferred to your computer to allow thecontent and experience to reflect your actions, preferences, and so on. You should simply make the assump-tion our website uses cookies, and note that you are free to make adjustments in your web browser to disablethese or otherwise receive notification of cookies so you can take whatever desired action you so choose.Please understand that refusing cookies may cripple some of our website features and render some aspectsuseless to you.
At times, you will be fully aware of information received, as you are the direct source providing it. For instance,you may comment on a blog post, reply to an email (whether broadcast message or autoresponder), provide anemail address, complete a survey, requests SMS, or otherwise. Likewise, purchases necessarily involve collect-ing certain information, such as credit card information, Paypal addresses, your physical address for billingand/or shipping, phone number, and so on. Refusing to provide some of this information may lead to us beingunable to provide you with the products or services you’ve requested.
A prime example of limited access to our website is where content may be protected by a username and pass-word. Whether a username and password is generated by our website, or created by you, these will almost al-ways be connected with some other information related to or connected with you. This is true since much con-tent that is protected on the internet is subscription based, often paid for. Thus, the username and passwordmust necessarily be tied to your other account data. Usernames and passwords, by their very nature, should bekept private.
Handling of Personal Information
Note that any personal information you provide to others apart from us or our vendors is wholly optional. Asan example, you might disclose something in a blog post comment. That “private” information is now “public,”and we have no control over that. In like fashion, you sharing information with any other third party not func-tioning as a service provider to us puts that information beyond our control and becomes subject to the policythat party has in place.
Our primary intention for collecting personal and private information from you is simply to conduct our busi-ness. We can use this internally to better serve you. Accordingly, we see no reason to share your personal infor-
mation to other parties and outside interests unless you have authorized us to do so. Of course, there are in-stances where your information is stored with third party service providers, such as email service providers, asthey provide services that are industry-leading in quality and security and are far more beneficial to our enduser than attempting such services “in-house.” However, you are never required to deal with any such thirdparty directly, they are limited in how they use your information, and they cannot sell or transfer it to others inany way.
However, of course, your information does comprise part of an overall whole. This aggregate of information, bycontrast, may be used to understand our overall user base. Further, we may share this information about ourwebsite visitors as a whole, not individually, with third parties for various purposes, in our sole discretion.
While we are staunch privacy advocates, there are times when even we may be forced to abandon these ideals.Just as major search engines face ongoing compulsion to provide data against their will, so too may the sameoccur with our website. Illegal activity or other serious acts or allegations could create legal liability for our web-site. In those cases, we reserve the right to share your information, or else may simply be compelled to do soby law. On the other hand, there may be times when we would need to share your private information in orderto protect our own interests. For instance, in cases of suspected or alleged copyright infringement or other in-tellectual property violations, it may be necessary to share personal information.
Google Adsense and the DoubleClick DART Cookie
Google, as a third party advertisement vendor, may use cookies to serve ads on this website. The use of DARTcookies by Google enables them to serve adverts to visitors that are based on their visits to this website, includ-ing past visits, as well as other websites on the internet.
To opt out of the DART cookies you may visit the Google ad and content network privacy policy at the followingurl http://www.google.com/privacy_ads.html Tracking of users through the DART cookie mechanisms are sub-ject to Google’s own privacy policies.
Other Third Party ad servers or ad networks may also use cookies to track users activities on this website tomeasure advertisement effectiveness and other reasons that will be provided in their own privacy policies, ourwebsite has no access or control over these cookies that may be used by third party advertisers. However, youcan opt out of some, though likely not all, of these cookies in one easy location athttp://ww.networkadvertising.org/managing/opt_out.asp
Links to Third Party Websites
We have included links on this website for your use and reference. We are not responsible for the privacy poli-cies on these websites. You should be aware that the privacy policies of these websites may differ from ourown.
The following describes the Anti-Spam Policy for our website.
What Is Spam?
Spam is unsolicited email, also known as junk mail (received via email), or UCE (Unsolicited Commercial Email).Virtually all of us have opened the inbox of an email account and found emails from an unknown sender. Bysending email only to those who have requested to receive it, we are following accepted permission-basedemail guidelines.
What About The Laws Against Spam?
They exist. However, as with any body of laws, any individual State spam statutes can and will vary. The spamlaws of each State can not only vary, but also have different definitions of unsolicited commercial email.Additionally, there may be various federal agencies keeping track of spam, including the Federal TradeCommission (FTC). At the Federal level, the CAN-SPAM Act of 2003 promulgates some attempt at a coherentand unified approach to unsolicited commercial email. Ultimately, it would be difficult to enforce spam law vio-lations on any consistent or pervasive basis, so your own vigilance is your own best first line of defense. Beyondthat, we protect you by ensuring that you are 100% in control of whether or not you ever hear from us by emailinitially or in the future, as detailed in our “No Tolerance” policy below.
Our No Tolerance Anti-Spam Policy
WE HAVE A NO TOLERANCE SPAM POLICY. We do not email unless someone has filled out an “opt in” form or“webform” expressing an interest in our information or products and/or services, or otherwise directly andproactively requesting it. News of the features and benefits of Membership is spread through advertising, jointventure marketing, and word of mouth, so we are only building relationship with folks who wish to learn moreabout what we have to offer and willingly subscribe to our content and contact through email. You are alwayscompletely in control of whether you receive email communication from us, and can terminate at any time.
NOTE – Every auto-generated email contains a mandatory unsubscribe link that cannot be removed. Therefore,each communication carries with it the option to “unsubscribe” and never receive another email communication.
The following describes the Social Media Disclosure for our website
Social Media Issue
We live in an interesting time when privacy rights are championed alongside an unprecedented voluntary will-ingness of people to share their most intimate and superfluous life details with the world, even in places suchas our website. While apparently benign on the surface, the dangers of unrestrained public disclosure of sensi-tive information is beginning to surface.
Key social media players are being sued for unauthorized or abusive use/misuse of personal information.Failure to protect and warn are likely going to be focal factors. Lawsuits are filed seeking damages for state-ments held to be responsible for people’s death or suicide. Bloggers presuming to operate under an unfetteredfreedom of speech or greater latitude offered to members of the press are losing civil cases for defamation,slander, libel, and so on.
As social media rapidly advances to allow more technologically sophisticated and easy dissemination, the simul-taneous fallout of revelation without boundaries is mounting. Thus, a sober approach to the benefits of socialmedia, while sidestepping the perils of imprudent disclosure, can facilitate an enjoyable online experience,without the consequences of excess, in settings such as our own website.
Presence/Scope of Social Media
You should assume that social media is in use on our website. A simple click of a button to endorse a person,product, or service is building a cumulative profile about you, which you should always assume can be discov-ered by others. Attempting to share a website with someone, whether by direct press of a button or else byemail forwarding facilitated on a website, you should assume that this may not stop with the intended recipi-ent, and that this can generate information about you that could be seen by a veritable infinite number of peo-ple. Such a domino effect could initiate right here on our website.
Something as simple as a blog comment provides the opportunity for knee-jerk reactions that can become pub-lic and may not truly represent a position (at least in strength or severity) that you might hold after a period ofmore reasoned contemplation. You should also note that the ease of accessing one site through the login cre-dentials of another, or the use of a global login for access to multiple sites can accumulate a dossier on you andyour online behavior that may reveal more information to unintended parties than you might realize or want.Any or all of these features could exist on our website at one time or another.
These few examples illustrate some possible ways that social media can exist, though it is not an exhaustive listand new technologies will render this list outdated quickly. The objective is to realize the reach of social media,its widespread presence on websites in various forms (including this website), and develop a responsible ap-proach to using it.
Protecting Others
You should recognize the fact that divulgences made in and on social media platforms on this website and oth-ers are rarely constrained just to you. Disclosures are commonly made about group matters that necessarilyaffect and impact other people. Other disclosures are expressly about third parties, sometimes with little dis-cretion. What can appear funny in one moment can be tragic in the next. And a subtle “public” retaliation canhave lifetime repercussions.
Ideal use of social media on our website would confine your disclosures primarily to matters pertaining to you,not others. If in doubt, it’s best to err on the side of non-disclosure. It’s doubtful the disclosure is so meaningfulthat it cannot be offset by the precaution of acting to protect the best interests of someone who is involuntarilybeing exposed by your decision to disclose something on our website (or another).
Protecting Yourself
You should likewise pause to consider the long-term effects of a split-second decision to publicly share privateinformation about yourself on our website. Opinions, likes, dislikes, preferences, and otherwise can change.Openly divulging perspectives that you hold today, may conflict with your developing views into the futures.Yet, the “new you” will always stand juxtaposed against the prior declarations you made that are now con-
cretized as part of your public profile. While the contents of your breakfast may hold little long-term impact,other data likewise readily shared can have consequences that could conceivably impact your ability to obtaincertain employment or hinder other life experiences and ambitions.
As with sharing information about other people, extreme caution should be used before revealing informationabout yourself. If in doubt, it’s likely best not to do it. The short term gain, if any, could readily be outweighed bylater consequences. Finally, you should note that we are not responsible for removing content once shared,and we may not be able to do so.
Restrictions on Use of Social Media Data
You, as a visitor to our website, are not permitted to “mine” social media or other platforms contained hereinfor personal information related to others. Even where people have publicly displayed data, you should notconstrue that as though you have the liberty to capture, reproduce, or reuse that information. Any use of socialmedia or related platforms on our website are for interactive use only, relevant only during the website visit.
Accuracy of Social Media Data
As any social media platform is built on user-generated content, you should consider this fact in seeking to de-termine the authenticity of anything you read. We are not responsible for verifying any user-generated contentfor accuracy. A best practices policy would be to view all such content as strictly opinion, not fact.
Potential Issues of Liability
You should also be mindful of the fact that your words could trigger liability for harm caused to others. Whileyou have the right to free speech, you do not have the right to damage other people. Under basic principles oftort law, you are always responsible, personally, for situations where either:
1. you were required to act, but did not (i.e. – some “duty of care”)
2. your were required to refrain from acting, but did not (i.e. – slander, defamation, etc.)
These “sins of omission and commission” could cause problems for you, irrespective of whether you assert youare conducting business under the guise of one or more business entities. Illegal and unethical conduct, whendone in the name of a corporation or LLC, is still illegal and unethical conduct. As it is rarely part of a businessplan to engage in illegal and unethical conduct, you are doubtfully operating in any official capacity, but rather,perhaps, leveraging that capacity to effectuate personal wrongdoing. You should consult a licensed attorney ifyou wish legal advice as to the (potential) ramification of your situation or legal problems stemming from thiswebsite or another.
CHANGE NOTICE: As with any of our administrative and legal notice pages, the contents of this page can andwill change over time. Accordingly, this page could read differently as of your very next visit. These changes arenecessitated, and carried out, in order to protect you and our website. If this page is important to you, youshould check back frequently as no other notice of changed content will be provided either before or after thechange takes effect.
COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, havebeen diligently drafted by an attorney. We have paid to license the use of these legal notices and administrativepages for your protection and ours. This material may not be used in any way for any reason and unauthorizeduse is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the contents of this page, or simply wishto reach us for any other reason, you may do so by using our Contact information.