Privacy Policy

Last Reviewed: February 28, 2023

We are strongly committed to letting you know how we will collect and use your information collected online. This policy applies to data and information collected through the www.seniorfinanceadvisor.com website and our services and affiliated websites and forums (including any versions optimized for viewing on a wireless or tablet device); all email newsletters published or distributed by SFA; all apps published by SFA; and all other interactive features, services, and communications provided by SFA (“Sites”), however accessed and/or used, that are operated by us, made available by us, or produced and maintained by Senior Finance Advisor LLC (collectively “SFA” or “we”, “us”, or “our”). We have established this privacy policy (“Privacy Policy”) to let you know what kinds of personal information we may gather during your visit to these Sites and your use of our services (“Services”), why we gather your information, what we use your personal information for, when we might disclose your personal information, and how you can manage your personal information.

Please be advised that the practices described in this Privacy Policy apply only to information gathered online at our Sites. It does not apply to information that you may submit to us offline, or to Sites maintained by other companies or organizations to which we may link or who may link to us.

By visiting our Sites, you are accepting the practices described in our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Sites. We reserve the right to modify or amend the terms of our Privacy Policy from time to time without notice. Your continued use of our Sites following the posting of changes to these terms will mean you accept those changes. If we intend to apply the modifications or amendments to this Privacy Policy retroactively or to personal information already in our possession, we will provide you with notice of the modifications or amendments.

If you have any questions about this Privacy Policy or don’t see your concerns addressed here, you should contact us by email at privacy@seniorfinanceadvisor.com.

We collect two basic types of information from you in conjunction with your use of the Sites, personal information and non-personal information. Personal information is information that you may supply to us, as described more fully below, i.e., when you subscribe, place an order, complete a survey, register for a Site or any part thereof, upload content, participate in a community, or provide your e-mail address. Personal information is any information that can individually identify you and includes, among other things, your name, e-mail address, telephone number, postal address, credit card, billing and contact information. Non-personal information includes information that does not personally identify you, but it may include tracking and usage information about your location, demographics, use of the Sites and the Internet.

Personal Information

As a general matter, you can browse the Sites without submitting your personal information to us. However, there are a number of circumstances in which you may supply us with your personal information. The following lists the most common ways in which we may collect your personal information.

Registration for an account on the Sites
Profile information that you provide for your user profile
Sign up to receive e-mail newsletters or e-mail alerts from us
Sign up to be contacted by third-party service providers or to receive offers via email
Request for customer service or other assistance
Service-related communications, e.g. account verification; technical notification
Participation in surveys, panels, or market research
Participation in special events and promotions
Purchases on the Sites, including subscriptions to newsletters, content or services
Participation in communities, chat rooms and comment threads, other fora, and other interactive services
Submission of content or other data and information on any part of the Sites that permit it, including photos or comments
Submission of a job application
Any other place on the Sites where you knowingly volunteer personal information

Non-Personal Information

In addition, when you interact with the Sites, we may collect certain information that does not identify you individually and our servers may automatically keep an activity log of your use of our Sites (“Non-Personal Information”). Generally, we collect and store the following categories of Non-Personal Information:

Demographic data such as age, gender, and five digit zip code as part of collecting personal information
Device information about your computer, mobile device, or other device that you use to access the Sites. This information may include IP address, geolocation information, unique device identifiers, browser type, browser language, and other transactional information.
Analytics and usage information about your use of the Sites. This information includes a reading history of the pages you view. We use this information to provide you a more customized experience on the Sites.
Additional “traffic data” and log files such as time of access, date of access, software crash reports, session identification number, access times, and referring website addresses.
Your search terms and search results.
Other information regarding your use of the Sites.

Collection of Your Source IP Address/Location Information

We will collect and store location information about you on the Sites and associated with your account (if you create an account) that you volunteer on the Sites or enable through the Sites or your device. We will not collect any location information that you do not volunteer or enable. We will delete any location information that you request.

We also collect and store your device’s source IP address which may disclose the location of your device at the time you access the Sites. Advertisements and certain content may be directed to you as a result of this data.

In addition, the Sites will deliver content based on your current location if you choose to enable that feature. If you enable that feature, your current location will be stored locally on your device which will be used by the Sites to serve you certain content tied to your location. If you elect to have your location-based searches saved to your history, we will store such information on our servers.

Collection of Metadata

Metadata is usually technical data that is associated with user-provided content, including without limitation text, graphics, photographs, images, moving images, sound, and illustrations (“Content”). For example, Metadata can describe how, when and by whom a piece of user Content was collected and how that content is formatted. You can add or may have Metadata added to your user Content by including a hashtag (for example, to mark keywords when you post a photo), geotag (for example, to mark your location to a photo), comments or other data. This makes your user Content more searchable by others and more interactive. If you geotag your photo or tag your photo using other's APIs then, your latitude and longitude will be stored with the photo and searchable (for example, through a location or map feature).

Collection of Personal and Non-Personal Information From Other Sources

We also may collect and store information about you that we receive from other sources (including by us from our offline interactions with you) to, among other things, enable us to update and correct the information contained in our database and to better customize your experience on the Sites.

Use of Cookies, Web Storage, and Web Beacons

Like many websites, we use “cookies”, which are small text files that are stored on your computer or equipment when you visit certain online pages that record your preferences and actions. We use cookies to track use of our Sites and online services. We may also use cookies to monitor traffic, improve the Sites and make them easier and/or relevant for your use. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but, if you prefer, you can usually modify your browser setting to decline cookies. If you delete your cookies or if you set your web browser to decline cookies, some features of the Sites may not work or may not work as designed. For more information on cookies and how to disable them, you can consult the information provided by the Interactive Advertising Bureau at www.allaboutcookies.org.

We may also use web beacons. A web beacon (also known as “action tags”, “tracer tags”, or “single-pixel gifs”) is an invisible graphic on a web page that is programmed to collect non-personal information about your use of a given website. We do not share or provide Personal Information we may collect through such web beacons, such as names, e-mail addresses and phone numbers without your express permission.

We may also use “Web Storage” to store data about your use of our Sites. Web Storage is a feature in some browsers that permits websites to store data within your browser rather within a cookie. This should make this data more secure and make your browser perform better. We do not share or provide Personal Information we may store in Web Storage, such as names, e-mail addresses and phone numbers without your express permission.

We work with third-party advertising companies who may utilize enhanced cookies or web beacons to better provide advertisements about goods and services that may be of interest to you. These partners do not have access to or use your name, address, e-mail address, telephone number or other personal information from us. They may, however, anonymously track your Internet usage across other websites in their networks beyond these Sites. To learn more about the use of this information or to choose not to have this information used by our third-party advertising partners by opting out please visit the Network Advertising Initiative by clicking www.networkadvertising.org.

Neither the Site nor the Services are intended for or directed to children under the age of 13. Unless otherwise disclosed during collection and with parent or guardian consent (for instance, in some of the educational areas on our Sites), SFA does not knowingly collect personally identifiable information from children under 13 years of age. If you are under 13 years of age you should not provide personally identifiable information to SFA without providing us with consent from your parents. If SFA discovers that a child under the age of 13 has provided SFA with personally identifiable information and we do not have parental consent, SFA will immediately delete that child’s information from the Sites.

We use the information we learn from you to help us personalize and continually improve your experience on the Sites. We may use your Personal and Non-Personal Information in the following ways:

General Uses

Provide you with the content, products and services you request
Upload your content to our Sites as you request
Communicate with you about your account, if created, or transactions with us and send you information about features and enhancements on or to our Sites
Communicate with you about changes to our policies
Communicate with you about your comment to a community
Personalize content and experiences on our Sites, including providing you recommendations and feedback based on your preferences
Send you newsletters, offers and promotions for our products and services, third party products and services, or special events by e-mail, text, or other another medium
Provide you with advertising including advertising based on your activity on our Sites or activity on third party sites and applications
Optimize or improve our products, services and operations
Automatically update the Sites on your device
Detect, investigate, and prevent activities that may violate our policies or be illegal
Perform statistical, demographic, and marketing analyses of users of the Sites and their purchasing patterns

Combination of Your Personal Information

We use the information from one portion of the Sites on other portions of Sites in our network of Sites or in reports and analysis, all of which are owned and operated by SFA, and we may combine information gathered from multiple portions of the Sites into a single customer record or analysis or report. We also use and/or combine information that we collect off-line or we collect or receive from third party sources to enhance, expand, and check the accuracy of your customer records.

Use of Your Location Information

Specifically, we use your location information to:

Provide you with the products and services you request
Personalize content and experiences on our Sites, including providing you recommendations based on your preferences
Personalize your newsletters, offers and promotions for our products and services, third party products and services, or special events
Personalize the advertising you receive, including advertising based on your activity on our Sites or activity on third party sites and applications
Optimize or improve our products, services and operations
Detect, investigate, and prevent activities that may violate our policies or be illegal
Perform statistical, demographic, and marketing analyses of users of the Sites and their purchasing patterns

Except as disclosed in this Privacy Policy, we do not disclose your Personal Information collected online to any companies not part of SFA or its subsidiaries or related entities. As disclosed below, we may provide your information to our partners, for which we may receive a fee in some circumstances, though in no event will we sell or rent your Personal Information as part of a customer list or similar transaction other than as described in this Privacy Policy.

Third-Party Agents

We have third party agents, subsidiaries, affiliates and partners that perform functions on our behalf, such as hosting, billing, push notifications, storage, bandwidth, content management tools, analytics, customer service, fraud protection, etc. These entities have access to the Personal Information needed to perform their functions and are contractually obligated to maintain the confidentiality and security of that Personal Information. They are restricted from using, selling, distributing or altering this data in any way other than to provide the requested services to the Sites.

Business Partners and Third Parties

We may share your Personal Information with our business partners, publishers or co-marketers from time to time. We may also share your Personal Information with third parties that provide products and services that we think you may be interested in to enable those third parties to contact you about their goods and services, for which we may receive a fee. Although our treatment of your Personal Information is governed by this Privacy Policy, the business partner, publisher, or third party’s treatment of your Personal Information will be governed by the business partner, publisher, or third party’s privacy policy. You may opt-out of having your Personal Information shared with business partners, publishers and third parties at any time by following the opt-out process described below.

Emergency Situations

We may also use or disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary to (a) conform to applicable law or comply with legal process served on us or the Sites; (b) protect and defend our rights or property, the Sites or our users; and (c) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Sites or the public. This includes exchanging information with other companies and organizations for verification and fraud protection.

Use of Non-Personal Information

We may disclose or share Non-Personal Information (or other information, other than Personal Information) in any other manner that we deem appropriate or necessary. Among other things, we will disclose Non-Personal Information to third parties to help us determine how people use parts of the Sites and who our users are so we can improve our Sites. We will also disclose Non-Personal Information to our partners and other third parties about how our users collectively use the Sites.

E-mail communications and text messages sent from us or through us are designed to make your experience on the Sites more efficient. By participating in the Services, you specifically agree to accept and consent to receiving e-mail communications and text messages initiated from us or through us, which include, without limitation: message notification e-mails, e-mails or text messages informing you about the Service and e-mails informing you of promotions we run and new and existing features we provide. Standard text messaging charges applied by your cell phone carrier will apply to text messages we send. If you change your mobile phone service provider, the notification service may be deactivated for your phone number and you may need to re-enroll in the notification service. We reserve the right to cancel the notification service at any time. If you do not wish to receive any of our e-mail communications or text messages, please do not use the Services.

We are concerned about ensuring the security of your Personal Information. We exercise great care in providing secure transmission of your information from your device to our servers. Personal Information collected by our Sites is stored in secure operating environments that are not available to the public. Our security procedures mean that we may occasionally request proof of identity before we disclose your Personal Information to you. Please understand, however, that while we try our best to safeguard your Personal Information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

Your information collected through the Service may be stored and processed in the United States or any other country in which SFA or its service providers maintain facilities. SFA or its service providers may transfer information that we collect about you, including personal information across borders and from your country or jurisdiction to other countries or jurisdictions around the world. If you are located outside the United States or other regions with laws governing data collection and use that may differ from United States law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction. By registering for and using the Service you consent to the transfer of information to the US or to any other country in which SFA, or its service providers maintain facilities and the use and disclosure of information about you as described in this Privacy Policy.

We will hold Your Personal Information on our systems for as long as is necessary for the relevant activity or the SFA data retention schedule, whichever is longer. If you created an account, following termination or deactivation of your account SFA or its service providers may retain information (including your profile information) and user Content for a commercially reasonable time for backup, archival, and/or audit purposes. If you have any questions about termination or deactivation of your account, please contact us directly at privacy@seniorfinanceadvisor.com.

These Sites may contain links to other websites operated by affiliates of SFA or third parties. Please be advised that the practices described in this Privacy Policy for SFA do not apply to information gathered through these other websites. We are not responsible for the actions and privacy policies of third parties and other websites.

Please remember that any information you share in public areas, such as photos on the service or message boards or feedback sections, becomes public and anyone may take and use that information. Once you have shared such content or made it public, that user Content may be shared by others. If you remove information that you posted to the Sites, copies may remain viewable in cached or archived pages of the Sites, or if other users or third parties have copied or saved that information. Please be careful about what you disclose and do not post any Personal Information that you expect to keep private. Please consult the applicable guidelines, if any, for use of our chat rooms and other community areas for more information.

These Sites are published in the United States. We attempt to protect the Personal Information of all users of our Sites and we attempt to comply with local data protection and consumer rights laws to the extent they may apply to the SFA services, but our Sites are located and targeted to United States citizens and our policies are directed at compliance with those laws. If you are uncertain whether this privacy policy conflicts with the applicable local privacy laws where you are located, you should not submit your Personal Information to SFA.

We may change our ownership or corporate organization while providing the Sites and services. We may also sell certain assets associated with the Sites. As a result, please be aware that in such event we may transfer some or all of your information to a company acquiring all or part of our assets or to another company with which we have merged. Under such circumstances we would, to the extent possible, require the acquiring party to follow the practices described in this Privacy Policy, as it may be amended from time to time. Nevertheless, we cannot promise that an acquiring company or the merged company will have the same privacy practices or treat your information the same as described in this Privacy Policy.

As our Sites continue to develop, we may add new services and features to our Sites. In the event that these additions affect our Privacy Policy, this document will be updated appropriately. We will post those changes prominently so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone. We do, however, recommend that you read this Privacy Policy each time you use our Sites in case you missed our notice of changes to the Privacy Policy. We will not, however, materially change our policies and practices to make them less protective of Personal Information we have previously collected from you without your express consent.

You may always opt-out of receiving future e-mail messages, text messages, and newsletters from SFA. We provide you with the opportunity to opt-out of receiving communications from us by going into your profile settings and choosing the appropriate options. To opt-out, you can also send us a message at privacy@seniorfinanceadvisor.com.

California Civil Code Section 1798.83 permits customers of SFA who are California residents to request certain information regarding its disclosure of their personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to privacy@seniorfinanceadvisor.com. These Sites will respect your browser’s Do Not Track signals (or other well-established commercially available mechanisms that provide you with the ability to exercise choice regarding the collection of Personal Information). If we receive a Do Not Track signal, we will stop using any Personal Information for online behavioral advertising purposes.

Contact Information

Senior Finance Advisor

2929 1st Ave Seattle, WA 98121