PRIVACY POLICY

Last Updated: May 17, 2024

PLEASE READ THIS POLICY CAREFULLY TO UNDERSTAND HOW WE TREAT YOUR PERSONAL INFORMATION AND YOUR CHOICES AND RIGHTS. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, YOU SHOULD NOT ACCESS OR USE OUR SERVICES.

BY ACCESSING, VISITING, BROWSING, OR USING OUR SERVICES, REGISTERING OR SUBMITTING YOUR INFORMATION THROUGH OUR SERVICES, OR INTERACTING WITH US, YOU AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY.

THE SERVICES ARE INTENDED ONLY FOR USERS LOCATED IN THE UNITED STATES AND ARE NOT INTENDED FOR USERS LOCATED IN ANY OTHER COUNTRIES, INCLUDING THE UNITED KINGDOM, EUROPEAN UNION, AND EUROPEAN ECONOMIC AREA.

INTRODUCTION

ThePracticeConsultant.com, LLC (also referred to herein as “we,” “us,” and “our”) takes data privacy and security seriously and believes in transparency.

This Privacy Policy (the “Policy”) describes how we collect, use, share, protect, and disclose your personal information when you visit our website, ThePracticeConsultant.com, or otherwise interact with our business operations (together, “Services”) in accordance with the privacy rights under applicable U.S. privacy laws. Individuals who visit our website are collectively referred as “you” or “your” in this Policy.

PLEASE NOTE: This Policy does not apply to our HR-related data collection practices, where you act as our job applicants, employees, independent contractors, or corporate officers. A separate HR-related privacy policy will be made available to you in that case.

INFORMATION WE MAY COLLECT

The information we collect depends upon things such as the nature of our relationship, the method you communicate with us, and the purpose of your interaction with us. We may have collected information that could directly or indirectly identify you as an individual from you, your devices, your interactions with our Services, and/or from third party sources and may include the following (together, “personal data”), depending on the circumstances:

Contact Information, such as your first and last name, email addresses, mailing addresses, and telephone numbers.
General Identification Information, such as your name and date of birth.
Government Issued Identifiers, such as your Social Security number, driver’s license number, tax identification number, or other identification numbers issued by government bodies or agencies.
Professional Relationship Information, such as business name, professional title, business phone numbers, business address, and contact details of a point of contact for the business.
Access Authorization Information, such as your username, email address, password and/or security questions and answers to access certain areas of our website or Services.
Financial Information, such as your income information, financial account information and balances, and property ownership information. We do not store your credit card information, but our payment processor may store such information for the purpose of facilitating any payments to us.
Communications Data, such as information you provide through online web forms, when you contact us with questions, feedback, surveys, or otherwise choose to provide when you correspond with us online.
Social Media Information, such as name, username, email address, or other profile information in connection with your social media account that we may collect if you connect with us through a third-party social network or other websites, such as LinkedIn (each, a “Social Media Site”).
Usage Data, such as the date and time of your access, your location, your Internet Protocol (IP) address or unique device identifier, your device type, your operating system, your browser type, information about what pages you visit, responses to advertisements on sites and mobile applications where we advertise, and geolocation information.
Location Information, such as the IP address transmitted by your device (depending upon your settings) when you access the Services.
Cookies and Other Technologies, such as technologies that remember your preferences and improve and promote our Services. You may learn more about how we use these technologies in the “Cookies and Similar Technologies” section of this Policy.
Other information that you voluntarily share with us to facilitate your use of our Services which is not specifically listed here. We will use such data in accordance with this Policy, as otherwise disclosed at the time of collection, in accordance with our applicable agreement with you, or to the extent necessary for providing the Services.

If you provide us with information for another individual, you confirm that they have appointed you to act for them, that you have informed them of our identity and the purposes (as set out in this Policy) for which their information will be processed and that you have obtained any necessary consents to the processing of their information.

HOW WE MAY USE OR SHARE YOUR INFORMATION

How We May Use Your Information: To the extent permitted by applicable law, we may use the information described above, including any personal data, in connection with certain business or commercial purposes, including:

To manage and provide our Services, which includes making our website and its content available to you, processing applications and allowing lenders to underwrite your application, communicating about our Services and responding to your feedback, requests, questions, or inquiries, and improving and developing existing and new Services, including evaluations of functionality and features and recognizing your devices and remembering your preferences and interactions;
To manage and support our business, such as maintaining accounting records, analyzing financial results, complying with internal audit requirements; obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, mitigating risks to the privacy and security of our Services, including fraud or phishing detection, and maintaining our databases and back-ups;
To transact business and manage our business relationships with you, including enforcing our Terms of Service conduct due diligence to assess the financial, reputational, or other risks arising form any relationship or prospective relationship with you;
To contact you directly by mail, telephone, email, SMS, or other electronic messaging service with offers of goods and services or information that may be of interest to you;
To assess the success of our marketing campaigns and enhance our marketing efforts;
To accomplish any other purpose related to and/or ancillary to any of the purposes described in this Policy, for which your information was provided to us;
To accomplish other purposes described to you when you provide the information, for which you have consented, or for which we have a legal basis under the laws;
To exercise or defend legal rights or claims; and
Create, use, retain, or disclose de-identified or aggregated data which, upon aggregation and de-identification, are no longer treated as personal data subject to this Policy.

How We May Disclose or Share Your Information: Where permitted by applicable law, we may disclose your information described above to others in the following contexts:

Third-Party Vendors or Service Providers: We may share your personal data with other parties who perform functions on our behalf such as customer service data processing services (such as to enhance the security of our website, marketing, and to support the delivery of our Services), or who offer products and services specifically requested by you through e-commerce solutions, etc.

Third-Party Lenders: When you use the Services to submit a Client Interest Form, we disclose your personal data to third-party lenders as necessary to deliver the products and services that you requested. We may disclose your personal data to third-party lenders to provide you with information about financial products or services that may interest you. Please note that any of the third-party lenders that interact with you may use and/or retain your personal data whether or not you use their products or services and the handling of your personal data by any third-party lender is subject to their privacy policies.
Financial Companies and Business Partners. We may share your personal data with other financial companies who offer financial-related products or services that may be of interest with you or with whom we partner to Provide the Services and carry out other activities described in this Policy.
Corporate Affiliates: We may share your personal data with our subsidiaries or affiliates, and with their respective officers, directors, employees.
Acquisition and Similar Transactions: If we sell, transfer, or otherwise share some or all of our assets in connection with a merger, reorganization, liquidation, dissolution, bankruptcy, or sale of assets, we may transfer your personal data as a part of the assets transferred as a result of the transaction without your consent.
In Response to Legal Process or Defending Legal Claims: We may disclose personal data as required by law, court orders, subpoena, or other legal process or if we reasonably believe such action is necessary to comply with the laws.
Professional Advisors: We may share your personal data with our attorneys, accountants, and/or other fiduciaries and consultants that need access to your information to provide operational or other support on our behalf.
With Your Consent or at Your Direction: We may ask, from time to time, if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this Policy. We may disclose your information in this context with your permission or upon your direction.

DATA RETENTION

We retain and use your information for as long as is necessary to fulfill the purposes for which it was collected, to comply with our business requirements and legal obligations, to resolve disputes, to protect our assets, to provide our services, and to enforce our agreements.

We take reasonable steps to delete the personal data we collect when (1) we have a legal obligation to do so; (2) we no longer have a purpose for retaining the information; or (3) if you ask us to delete your personal data, unless we determine that doing so would violate our existing, legitimate legal, regulatory, dispute resolution, contractual, or similar obligations. We may also decide to delete your personal information if we believe it is incomplete, inaccurate, or that our continued storage of your personal information is contrary to our legal obligations or business objectives. When we delete your personal information, it will be removed from our active servers and databases; but it may remain in our archives when it is not practical or possible to delete it.

DATA SECURITY

We recognize the importance of safeguarding your personal data and we endeavor to maintain reasonable and appropriate physical, technical, and organizational safeguards to protect your personal data against accidental loss and unauthorized access, use, alteration, or disclosure, and to detect fraudulent identity verification activity and mitigate risks concerning your personal data.

While our security measures seek to protect your information in our possession, no security system is perfect, and no data transmission is 100% secure. As a result, while we strive to protect your information, we cannot guarantee or warrant the security of any information transmitted to or from the Services. Where you use a password for access to restricted parts of our Services, you are responsible for keeping your password confidential. Do not share your password with anyone. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Websites and Services.

YOUR RIGHTS AND CHOICES REGARDING PERSONAL INFORMATION

Email Opt-Out. If you no longer wish to receive communications from us via email, you may opt-out by clicking the “unsubscribe” link at the bottom of our emails, or by contacting us via the “Contact Us” details at the end of this Policy and providing your name and email address so that we may identify you in the opt-out process.

Text Messages (SMS) Opt-Out. We ask for your consent to receive text messages (including messages related to the Services or transaction requested by you or our other products or Services that may be of interest to you). Certain text messages may be sent by automated systems or technology. You may unsubscribe from marketing text messages at any time by replying STOP or clicking the unsubscribe link (where available) in the text messages. For additional information, please review our SMS Text Messages Terms and Conditions.

Accuracy and Updating Your Information. If any of the information you have provided to us changes, please let us know via the “Contact Us” details at the end of this Policy. If you become aware of inaccurate personal data about you, you may want to update your information. We are not responsible for any losses arising from any inaccurate, inauthentic, deficient, or incomplete personal data that you provide to us.

Complaints. If you believe your rights relating to your personal information have been violated, please contact us via the “Contact Us” details provided at the end of this Policy.

COOKIES AND SIMILAR TECHNOLOGIES

We (and where applicable, in conjunction with third parties) use cookies, pixel tags, scripts and similar technologies (collectively referred to as "Cookies and Similar Technologies") to automatically collect and record information about your browsing activities, and use of the Services. We may combine this “Usage Data” with other personal data that we collect about you.

Cookies

A “cookie” is a small file created by a web server that can be stored on your device through our Services.

Session vs. Persistent Cookies. “Session cookies” are temporarily stored on your hard drive and only last until they expire at the end of your browsing session. “Persistent” or “permanent cookies” remain stored on your hard drive until they expire or are deleted by you.
First-Party vs. Third Party Cookies. “First-party cookies” are set by us on our website and they can only be read by that website. “Third-party cookies” are set by a party other than us. You can block and control cookies using the information noted below. If you block all cookies, certain functionalities on the Services may not work.

Other Similar Technologies

In addition, there are other automatic data collection technologies, such as Internet tags, web beacons (clear gifs, pixel tags, and single-pixel gifs), and navigational data collection (log files, server logs, etc.), HTML Local Storage, Social Widgets, or UTM Codes that can be used to collect data as users navigate through and interact with a website or emails. These similar technologies can be embedded in a web page or in an email to transmit information, which may include personal data.

Web Beacons. Web beacons, also known as pixel tags or clear GIFs, are small strings of code that are embedded into web pages and your device that allow a website or application to count users and determine how long users visit web pages or applications. We use web beacons for website traffic reporting, unique visitor counts, auditing and reporting, personalization, and other functions.
Tracking Pixels. A tracking pixel is a small piece of code we may use to collect and share information on your usage of our website, such as the pages that you have visited, or the way you have interacted with them. Through the tracking pixels, your browser automatically establishes a connection with the server of an online advertiser. In this way, the online advertiser receives information that you access our website. This can allow us to ensure that we are serving ads that match your interests, when you are visiting any of the websites of the online advertiser, or a website that includes ads served by the online advertiser. If you are authenticated to an online advertiser using tracking pixels, e.g. by being registered and logged in to a social network, the online advertiser can assign the visit to our website to your account. The data we may collect through tracking pixels is anonymous and does not include any personal data of individual users. We have no influence on the extent to which the data collected through the tracking pixels is used by the online advertisers and therefore direct you to their privacy notices.

What Cookies and Similar Technologies Are in Use and Why Do We Use Them?

	Type of Cookies	Description
Essential cookies	Essential cookies enable you to navigate the Services and use its features. Without these essential cookies, the Services will not perform correctly, and we may not be able to provide you with certain features. If you have chosen to identify yourself to us, we use cookies containing encrypted information to allow us to uniquely identify you. Each time you log into the Services, a cookie containing an encrypted, unique identifier that is tied to your account is placed on your browser. These cookies allow us to uniquely identify you when you are logged into our website.
Functionality cookies	Functionality cookies allow the Services to remember information you have entered or choices you make (such as your username, language, or your region) and provide enhanced, more personal features. These cookies also enable you to optimize your use of the Services after logging in. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize. We may use local shared objects, also known as Flash cookies, to store your preferences or display content based upon what you view on the Services to personalize your visit.
Performance cookies	Performance cookies collect information about how you use the Services, including which pages you go to most often and if they receive error messages from certain pages. These cookies do not collect information that individually identifies you. All information these cookies collect is aggregated and anonymous. It is only used to improve how the Services functions and performs. From time-to-time, we may engage third parties to track and analyze usage and volume statistical information from individuals who visit the Services. We may also utilize Flash cookies for these purposes.
Advertising cookies	Advertising cookies and other similar technologies are used by us to display promotions or advertisements based on your use of the websites and Services and interests and to manage our use of advertising resources. These cookies collect information about your activities on our website to provide you with interest-based advertising. We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can also opt-out of receiving targeted ads from members of the National Advertising Initiative (“NAI”) on its website (www.networkadvertising.org).

Particular third-party cookies or tracking technologies that are or may be used on our website include, but are not limited to:

Google Analytics. Where you have explicitly consented or have not disabled third party advertising cookies (depending on your location), we may use Google Analytics to collect and process statistical data about the number of people using the Services and to better understand how they find and use the Services. The data collected includes data related to your device/browser, your IP address, and on-site activities to measure and report statistics about user interactions on the Services. Any data collected is used in accordance with this Privacy Policy and Google’s privacy policy. You may learn more about Google Analytics by visiting:

https://policies.google.com/technologies/partner-sites and;

https://support.google.com/analytics/answer/6004245.

You can learn more about Google’s restrictions on data use by visiting the Google privacy policy at: https://policies.google.com/privacy. To opt-out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout and install the opt-out browser add-on feature.

For more details, visit the “Google Analytics opt-out browser add-on” page (located at https://support.google.com/analytics/answer/181881?hl=en).
Facebook Pixel. We may use Facebook Pixel to customize and display advertisements only to Facebook users who have shown an interest in our website or who have specific characteristics (e.g., certain demographics or interests in certain topics or products determined by websites visited) that we submit to Facebook. The use of Facebook Pixel helps ensure that our advertisements are in line with the potential interests of users and do not have a nuisance effect. Facebook Pixel also allows us to track the effectiveness of Facebook advertisements for statistical and market research purposes by seeing whether uses have been redirected to our Sites after clicking on a Facebook advertisement. The Facebook Pixel is directly integrated into our website by Facebook and can store a cookie on your device. The information collected about you is anonymous for us. However, the information collected via the Facebook Pixel, on the websites as well as other websites on which Facebook Pixel is installed, is also stored and processed by Facebook. Facebook may link this information to your Facebook account and also use it for its own promotional purposes in accordance with Facebook’s Data Usage Policy.

To understand more about Facebook advertising please visit: https://www.facebook.com/about/ads. You may deactivate Facebook Pixel via the Cookie Settings on Facebook. The Settings are located at the bottom of the main page for logged in users at: https://www.facebook.com/settings/?tab=ads#.
LinkedIn Pixel. We may use LinkedIn Marketing Solutions Pixel (also known as the LinkedIn InsightTag) which is a snippet of Javascript code implemented on our website to track page views and conversions and to provide insight into post-click and view-through conversions of our ad campaigns on LinkedIn. LinkedIn collects information relating to your visit to our website, including referring address, IP address, device, and browser characteristics. LinkedIn does not share this information with us and only provides us with aggregated reports and alerts about the website visitors and ad performance. However, LinkedIn may use this information to serve you ads elsewhere. For more information on how LinkedIn uses this information, see their privacy notice. LinkedIn members can control the use of their information for advertising purposes through their LinkedIn account settings.
YouTube Services. We may use tracking technologies provided by YouTube as part of our Services and/or embed YouTube videos on our website. These tracking technologies enable us to understand and improve our marketing efforts, track the performance of any video content we have, and provide you with a more personalized experience. With respect to YouTube videos embedded on our website, no data about you will be transferred to YouTube if you do not play the videos. YouTube may collect information relating to your visit to our website, including the referring IP address, device, and pages you accessed on our website. Additional information on the purpose and scope of data collection and processing by YouTube can be found in YouTube/Google’s Privacy Policy: https://policies.google.com/privacy?hl=en&gl=de. By viewing any videos embedded on our website or as part of our Services, you consent to the disclosure of information to YouTube through its tracking technologies.

We do not control these third parties’ technologies or how they may use your personal data once you are referred to these third-party websites. If you have any questions, you should contact the responsible party directly or consult their privacy policies.

Choices About Cookies

Most web browsers are set by default to accept cookies. If you do not wish to receive cookies, you may set your browser to refuse all or some types of cookies or to alert you when cookies are being sent by website tracking technologies and advertising. You may adjust your browser settings to opt out of accepting a “persistent” cookie and to only accept “session” cookies, but you will need to log in each time you want to enjoy the full functionality of the Services.

If you decline the use of cookies, you may not have access to the full benefits of the Services. Further, your opt-out only applies to the web browser you use, so you must opt out of each web browser on each computer you use. Once you opt out, if you delete your browser’s saved cookies, you will need to opt out again. In addition, adjusting the cookie settings on the Services may not fully delete all of the cookies that have already been created. To delete them, visit your web browser settings after you have changed your cookie settings on the Services.

Additional information is provided below about how to disable cookies or manage the cookie settings for some of the leading web browsers (PLEASE NOTE: these third-party links are provided for your convenience, and we may not actively monitor the content of these links):

Google Chrome	https://support.google.com/chrome/answer/95647?hl=en
Firefox	https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Internet Explorer	http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies
Microsoft Edge	https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09
Safari; iOS	https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac and https://support.apple.com/en-us/HT201265
Adobe Flash Cookie	https://www.macromedia.com/support/documentation/en/flashplayer/help/help09.html

For more information on how to modify your browser settings to block or filter cookies, visit http://www.aboutcookies.org/ or http://www.cookiecentral.com/faq/.

CHILDREN’S PRIVACY

The Children’s Online Privacy Protection Act (“COPPA”), as well as other data privacy regulations, restrict the collection, use, or disclosure of personal information from and about children on the Internet. Our Services are not directed to children under the age of 18, nor is information knowingly collected from children under the age of 18. No one under the age of 18 may access, browse, or use the Services or provide any information to or on the Services. If you are under 18, please do not use or provide any information on the Services (including, for example, your name, telephone number, or email address). If we learn that we have collected or received personal information from a child under the age of 18 without a parent’s or legal guardian’s consent, we will take steps to stop collecting that information and delete it. If you believe we might have any information from or about a child under the age of 18, please contact us via the “Contact Us” details provided at the end of this Policy.

For more information about COPPA, please visit the Federal Trade Commission's website at: https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/childrens-online-privacy-protection-rule.

CONSUMER RIGHTS

To the extent you are a resident of certain U.S. states with comprehensive state privacy laws, you may be eligible for one or more of the following consumer rights where authorized by appliable U.S. state privacy laws. This Section provides an overview of these rights:

Right to Access. Subject to certain conditions set forth in the applicable U.S. state privacy laws, you have the right to know and see what personal data we have collected about you and receive a copy of such information in a portable format, purposes for which we collect your personal data, recipients of your personal data to whom we disclose or share, which in some states may include categories of personal data collected, categories of sources of collection, business or commercial purposes for data processing, and categories of 3rd parties with whom we disclose that information.
Right to Correct. Subject to certain exceptions set forth in the applicable U.S. state privacy laws, you have the right to request that we correct any inaccurate personal data that we have collected about you.
Right to Delete. Subject to certain exceptions set forth in the applicable U.S. state privacy laws, you have the right to request that we delete the personal data we have collected about you.
Right to Opt-Out. Subject to certain conditions set forth in the applicable state privacy laws, you have the right to opt out of targeted advertising, profiling, the sale or sharing of your personal data, to the extent such instances occur (as defined under applicable state laws). We do not have actual knowledge that we sell personal data of minors under 16 years of age.
Right to Non-Discrimination. You have the right not to be discriminated against for exercising any of your rights under the state privacy laws.
Right to Appeal. To the extent the applicable state privacy laws provide such rights, you may appeal our denial to act on your consumer rights under the applicable state privacy laws within a reasonable time. We will respond within designated period for responding to U.S. data subject requests and may exercise the right to extend this response period (to the extent authorized by applicable state privacy laws).
Right to Limit Use and Disclosure of Sensitive Personal Information. If any state privacy laws classify your information we collect as “sensitive personal information,” we use such data reasonably necessary to perform services. While this right is not applicable to how we collect or use your sensitive personal information, we provide this information as this is one of consumer rights provided under certain state privacy laws.

If you have questions or concerns regarding this Section or would like to exercise your consumer rights (to the extent available under applicable U.S. state privacy laws), please use the “Contact Us” details at the end of this Policy.

OTHER IMPORTANT INFORMATION

Third Party Websites, Applications or Technologies. This Policy does not apply to any third-party websites or applications. Our Services may contain links to websites, mobile applications, or other technologies operated and maintained by third parties. We have no control over and do not endorse the privacy practices of websites or applications that are owned or operated by third parties. We also cannot guarantee the adequacy of the privacy and security practices employed by or the content and media provided by any third parties or their websites. If you follow any links that direct you away from the Services, including links to social media sites or to other websites, your activity on the other sites that you visit will be subject to that third party applications or websites’ privacy policy. Any personal data provided by you or automatically collected from you by a third party will be governed by that third party’s privacy policy and terms of use. If you are unsure whether a website is controlled, affiliated, or managed by us, you should review the privacy policy and practices applicable to each linked website.

Changes To This Policy. We may change this Policy at any time. You are expected to, and you acknowledge and agree that it is your responsibility to, carefully review this Policy prior to using the Services, and from time to time, so that you are aware of any changes. Your continued use of the Services after the “Last Updated” date indicates your acceptance of the changes. All changes are effective on the date listed at the top of this page and will apply to all information that we have about you.

Contact Us

For more information, or if you have any questions or concerns regarding this Policy, you may contact us using the information below, and we will do our best to assist you.

In Writing:

2598 East Sunrise Blvd.
Suite 2104
Fort Lauderdale, Florida 33304

By Email: support@thepracticeconsultant.com