Privacy Policy

F2 Financial Freedom, LLC

Privacy Policy

LAST UPDATED: March 18, 2020

F2 takes data privacy seriously. This Privacy Policy explains who we are, how we collect, use and share your personal information, and how you can exercise your privacy rights.

This Privacy Policy covers the personal information we collect (1) when providing services through applications and websites that are affiliated with F2 and that link to this Privacy Policy and (2) in the usual course of F2’s business, such as in connection with our recruitment, events, sales and/or marketing activities (collectively, the “Services”).

References to “F2,” may be construed as references to F2 Financial Freedom, LLC, and its parents, subsidiaries, dbas or divisions, including but not limited to, Financial Freedom Insurance and F2 Family.

We recommend that you read this Privacy Policy in full to ensure you are fully informed. However, to make it easier for you to review those parts of this Privacy Policy which apply to you, we have divided up the document into the following sections:

    1. Who We Are

    2. Information We Collect

        1. Information We Collect Directly

        2. Information We Collect Automatically

        3. Information We Collect From Third Party Sources

    3. How We Use the Information We Collect

    4. How We Share Information

    5. Tracking Technologies and Advertising and Analytics Services

    6. Your Choices/How to Opt Out

    7. Right of Access

    8. California Consumer Privacy Act

    9. Links to Other Websites

    10. How We Keep Your Information Secure

    11. Children

    12. How Long Do We Retain Your Information?

    13. Changes to This Privacy Policy

    14. Dispute Resolution for United States Residents/Arbitration/Limitation of Liability

    15. Contact Information

 

1. WHO WE ARE

F2 is a business-to-consumer financial services company headquartered in the United States. We provide a range of products and services that deliver premium content to consumers in the financial services, property and casualty insurance and real estate areas, including publications and resources through F2’s brands, intelligence solutions, events, and services.

We’re dedicated to providing our customers with news, data, analysis, solutions, and services that empower them to be aware of their current financial situations, including but not limited to insurance, loans, and credit cards. We take well-earned pride in our mission to keep our clients aware with the information and people they need to solve the financial bills and situations that they face every day.

2. INFORMATION WE COLLECT

The personal information that we may collect from and about you broadly falls into the following categories.

2.1 Information we collect directly. You may provide personal information to us through the Services – for example, when you sign up for, order, subscribe to, or make use of any of our Services, consult with our customer service team, or communicate with us in any way.

We may also collect personal information, such as your contact and professional details, when you attend our events, take part in surveys, or through other business or marketing interactions we may have with you. You may choose to provide additional information when you communicate with us or otherwise interact with us.

In most cases your provision of personal information to us is entirely voluntary. However, if you fail to provide such information, we may not be able to provide certain Services or information to you.

The personal information you provide may include:

  • Contact Information: When setting up a F2 account to access or subscribe to the Services, you will be asked to provide certain information, including contact information (such as name, address, email, dob, or telephone number).

  • Financial Information: If you are paying for any of the Services (for example, if we process a payment for you directly to the carrier), we may require you to provide credit card or other financial information in order to process a payment from you. You should never provide detailed credit card information directly to F2 via an unsecure form (such as email).

  • Transaction Information: We will maintain a record of your transactional information, your Services history, and usage. We may also retain your communications with us and our responses.

  • Partner Products & Services Offered on the Services: Third parties, such as our partners, sponsors, or advertisers whose services are promoted or advertised on the Services, may request that you provide personal information. Please see How We Share Information in Section 4 below for further details.

  • Research Surveys: You may elect to provide information in connection with research surveys in which you participate.

  • Emails to F2: If you send us emails, you should be aware that any information provided in an email may not be secure or encrypted and therefore may be available to others. Please exercise caution if you decide to disclose any personal or confidential information to us in any email.

2.2 Information we collect automatically. When you use the Services, we (or our third party partners) may collect information about your device and usage of the Services. In some countries, this information may be considered personal information under applicable data protection laws.

We may use a variety of technologies (collectively, “Tracking Technologies”) to collect some of this information. Our use of Tracking Technologies is discussed in more detail in Tracking Technologies and Advertising and Analytics Services in Section 5 below.

We may use Tracking Technologies to automatically collect the information described below:

  • Device Information: We may collect certain information about the device you use to access the Services, including but not limited to IP addresses for your devices, unique device identifiers, browser types, and browser language.

  • User History: We may log certain usage information about your use of the Services, which may include a history of the pages you view.

  • Mobile/Location Information: We may collect additional information from you if you access the Services through a mobile device, for example we may collect your unique device identifier, your device’s operating system, mobile carrier, or your location when you opt in for us to do so. However the degree to which your location can be identified depends on the device you are using (e.g. laptop, smartphone, tablet) and how you are connected to the internet (e.g. via cable broadband connection, Wi-Fi, etc.). If you enable location services for the Services we may collect your regional location data periodically as you use or leave open the Services. We may also collect your location information from your IP address or zip code.

We may also use location data internally or in conjunction with our third party service providers to customize your experience and provide offers that may be relevant to you. Depending on the device you use to access the Services (e.g. Apple™ iOS, Google™ Android, Windows, etc.) you may be able to control whether location data is collected from the settings on your wireless device.

2.3 Information we collect from third party sources.

  • Third Party Sources: From time to time we may obtain personal information about you from third party sources, such as public databases, social networking services, third party data providers and our joint marketing partners. Examples of the information we may receive from third party sources include job title, company, location, updated contact information, and other demographic and professional information. We use this information, alone or in combination with other information (including personal information we collect), to enhance our ability to provide relevant marketing and content to you and to develop and provide you with more relevant products, features, and services.

3. HOW WE USE THE INFORMATION WE COLLECT

We may use the personal information that we collect through the Services to:

  • Provide the products and services you request, process transactions, and send you related information, including confirmations and summaries.

  • Provide support and improve the Services and to manage system administration and security.

  • Respond to your comments, inquiries, and requests and provide customer service.

  • Link or combine information that we collect directly with information from third-party sources or multiple devices to help understand your needs, provide you with personalized content, and provide you with better service.

  • Personalize and improve your experience and deliver content or features that match your profile and interests, including to show you targeted advertising as described in Tracking Technologies and Advertising and Analytics Services in Section 5 below. Please also review Section 6 below for further information about Your Choices/How to Opt Out.

  • Send you marketing and promotional communications (in accordance with your marketing preferences). Please see Your Choices/How to Opt Out in Section 6 below.

  • Send you e-mail newsletters and alerts (in accordance with your newsletter and alerts preferences). Please see Your Choices/How to Opt Out in Section 6 below.

  • Perform statistical and marketing analyses of user behavior.

  • Manage your account(s) and send you technical privacy policy and service updates, security alerts, and other administrative messages.

  • Send you push notifications. Please see Your Choices/How to Opt Out in Section 6 below.

  • Conduct surveys.

  • Process and deliver sweepstakes and other promotions.

  • Comply with or enforce legal requirements, agreements, and policies.

  • Carry out any other purpose for which the information was collected.

  • Perform other activities that are in our legitimate business interests and consistent with this Privacy Policy.

4. HOW WE SHARE INFORMATION

We may share your personal information with the following types of third parties for the purposes described in this Privacy Policy:

  • Administrator Uses: If your use of the Services is managed for you by an account administrator then your account administrator and resellers who provide user support to your organization may have access to your personal information (including your email and other data). Please refer to your account administrator’s privacy policy for more information.

  • Partner Products & Services Offered on the F2 Services: If you provide personal information in order to access products or services of third parties, such as our partners, sponsors or advertisers, that are offered or promoted on or through the Services, you may be providing your information to both F2 and the third party. For example, when you enter your personal information in order to download a white paper offered by a partner on the Services, both F2 and the partner may receive your personal information. Your personal information will be subject to this Privacy Policy as well as the privacy policy and practices of such third party. F2 is not responsible for and this Privacy Policy does not cover such third party’s use of your personal information.

  • Third Parties Providing Functionality: We also work with third parties to provide certain functionalities on the Services and to improve the effectiveness of the Services and its content. Separate and distinct from information F2 shares with third parties, third party companies may also use Tracking Technologies to independently collect and store information about you and your usage of the Services and may combine this information with information they collect from other sources. Please note, we do not control Tracking Technologies used by third parties, and their use of such Tracking Technologies may be governed by their own privacy policies.

  • Third Party Event Sponsors: When you register for a F2 event (including any webinars and recognition dinners), we may share the information you provide, such as your name, postal address and email address, with third parties who are sponsoring the event. You may opt-out of having such information shared for this purpose, as described in greater detail in Your Choices/How to Opt Out in Section 6 below.

  • Mobile Carriers: If you access the Services through a device or app, we may share your information with mobile carriers, operating systems, and platforms.

  • Compliance with Law: F2 may release information if it is required to do so by law or in the good-faith belief that such action is necessary to: (1) comply with the law or comply with legal process served on F2; (2) protect and defend the legitimate business interests, rights or property of F2, its users, advertisers, customers, sponsors, advertisers, or affiliates; and (3) if we believe your actions are inconsistent with our Terms of Use or policies.

  • Service Providers: Sometimes we need to share your information with our third-party service providers, who help us provide and support the Services and other business functions. For example, we use service providers to assist with the following: analyzing data, hosting data, engaging technical support, processing payments, delivering content, mailing statements to subscribers, email distribution, and providing customer service.

  • Advertising Partners: We may partner with third party advertising networks and exchanges to display advertising on our websites or to manage and serve our advertising on other sites and may share your personal information with them for this purpose. Please see more information in Your Choices/How to Opt Out in Section 6 below.

  • Organizational Changes: Should F2 undergo a sale, merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, F2’s accumulated customer information will be treated as an asset and, like other business assets, subject to transfer to or acquisition by a third party. We may also disclose information about our users in connection with a commercial transaction where we, or any one of our businesses, is seeking financing, investment, support, or funding.

  • With Your Consent or at Your Direction.

 

5. TRACKING TECHNOLOGIES AND ADVERTISING AND ANALYTICS SERVICES

  • Targeted Advertising: We and our third party partners and vendors may use Tracking Technologies, such as cookies, pixels, and web beacons and collect and store information about you when you use or interact with our Services, marketing communications, advertising content and/or third party websites, in order to provide you with targeted advertising based on your browsing activities and interests. These third parties automatically receive your IP address or mobile device identifier when you access the Services or third party websites. They may also use Tracking Technologies to measure the effectiveness of advertisements, to personalize the advertising content, and to serve you advertisements that are relevant to your regional location. We may also use information collected using third party cookies and beacons on the Services and in our emails to deliver advertising about our Services when you visit third party websites. To find out more about our use of Tracking Technologies as well as how to manage your preferences please see our Tracking Technologies Notice.

  • Analytics and Ad Serving: Google and Facebook are some of the companies that we use to serve advertising and perform analytics on some of the Services. When you access the Services, our third-party vendors, including Google, use third-party cookies (such as the Google DoubleClick cookie) to serve you ads based on your previous visit to our website and other websites. To learn more about your choices and in particular Google’s currently available opt-outs for the Web, please see Your Choices/How to Opt Out in Section 6 below.

  • Cross Device Tracking: We (and our third party service providers) also use Tracking Technologies that recognize and collect usage information and information about the devices you use to connect with our Services and third party websites. When these tools are enabled, the data that we and our third-party service providers collect about these devices is used to enable delivery of product recommendations, advertising, or other promotional materials across your devices that are more relevant information to you, or to measure the effectiveness of our Services and advertising. They automatically receive your IP address or mobile device identifier when you connect to the Services or third party websites. This data may be combined with the same information from another browser or device if you use multiple browsers or devices. You may opt-out of this type of tracking/information collection. This opt-out applies to the specific device/browser combination on which you are browsing, so you will need to opt-out on each device and browser separately. Please note opting out of targeted advertising does not opt you out of being served ads. You will continue to receive untargeted generic ads.

6. YOUR CHOICES/HOW TO OPT OUT

    • Opt-out Links: Any recipient of email notices may opt out of receiving them at any time. To opt out of receiving emails, follow the unsubscribe instructions located near the bottom of each newsletter or promotional email, or email your request to opt-out@f2family.com

    • Email Newsletters: You can view, change, or update any or all of your email newsletter subscriptions by following the unsubscribe instructions located near the bottom of each newsletter email.

    • Marketing Emails: You can view, change, or update any or all of your marketing email preferences by following the unsubscribe instructions located near the bottom of each marketing email.

  • Postal Addresses: F2 collects postal mailing address information from you so that F2 may fulfill submit the information to get ratings on financial products, such as but not limited to, home and auto insurance, home loans, etc. If you want to opt out of receiving marketing communications via postal mail from F2 in the future, please send an email to opt-out@f2family.com. Please note that even if you opt out of receiving marketing communications by postal mail, we may continue to send you transactional and service communications about your accounts and coverage by postal mail.

  • Push Notifications: If you use our mobile apps, we may ask if you want to receive push notifications so that we can send you updates, communications, and other messages about the Services. To opt out of getting these push notifications or other messages, you must turn off the push notification function in your device settings.

  • Third Party Event Sponsors: If you do not wish for F2 to share the information you supply when you register for an event (including any webinars and recognition dinners), such as your name, postal address, or email address, with the event’s sponsors, please specify this in an email to opt-out@f2family.com.

  • Turning Off Tracking Technologies: You can choose to have your computer warn you each time a persistent or session cookie is being sent, or you can choose to turn off such cookies through your browser settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. However, cookie management tools provided by your browser will not remove Flash cookies and may not disable HTML5 storage. To learn more about HTML5 storage, see our Tracking Technologies Notice.

  • Do Not Track” Signals: Some third party browsers provide “do not track” machine readable signals for websites which are automatically applied by default and therefore do not necessarily reflect our visitor’s choice as to whether they wish to receive advertisements tailored to their interests. As a result, at this time, F2 does not respond to browser “do not track” signals or other similar mechanisms. Please note that the-opt out is cookie-based and will only affect the specific computer and browser on which the opt-out is applied.

  • Google Opt-Outs: Google is one of the companies that we use to serve advertising and perform analytics on some of the Services. To learn about Google Analytics’ currently available opt-outs for the Web, click here. To learn more about how Google uses cookies in advertising, you can visit the Google Advertising Privacy & Terms policy located here. You can opt out of receiving interest-based Google ads, or customize the ads Google shows you, by clicking here. F2 also uses third party services for remarketing F2’s products and services, such as Google’s Customer Match via the Google platform, whereby we will deliver targeted ads to you based on your prior usage on the Services. If you want to opt-out of remarketing, please email us at opt-out@f2family.com.

7. RIGHT OF ACCESS

You may access, correct, or update the information you have provided to us. F2 takes reasonable steps to ensure that the data we collect is reliable for its intended use, accurate, complete, and up to date. You can update your account information by logging into your online account and updating your contact and profile information.

8. CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

The CCPA is currently on the November 2020 ballot. Under the CCPA, California residents have additional rights regarding their personal data. If you wish to read the full law, please visit https://www.caprivacy.org/. F2 currently does not have any clients in California and does not plan on offering Services to California residents at this time.

 

9. LINKS TO OTHER WEBSITES

F2 is not responsible for the content or the privacy policies of websites to which it may link. This Privacy Policy applies solely to information collected by F2. You should consult the respective privacy policies of any applicable third parties to learn more about their privacy practices.

10. HOW WE KEEP YOUR INFORMATION SECURE

To help prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, we have put in place appropriate technical, organizational, physical, electronic, and managerial procedures designed to protect the information we collect. Specific measures we use include installing anti-intrusion hardware and firewalls, conducting penetration testing and virus scans, monitoring Operating System and software logs and applying software patches. The measures we use are designed to provide a level of security appropriate to the risk of processing your personal information.

Please understand, however, that while we try our best to safeguard your personally identifiable information once we receive it, no transmission of data over the Internet or any social media or other public network can be guaranteed to be 100% secure.

To help protect the privacy of your own information, including maintaining the confidentiality of any account information or access credentials, we recommend you take precautions to protect the security of any personal information that you transmit over any public or untrusted network by using encryption and other techniques to prevent unauthorized persons from intercepting or receiving any of your personally identifiable information. You are responsible for the security of your information when using unencrypted, open access, public or otherwise unsecured networks.

11. CHILDREN

Our Services are directed at a general audience and not directed to those under the age of 18. F2 asks that minors not submit any personal information. F2 does not knowingly collect personal information from individuals under 18 years of age and if we obtain actual knowledge that a user is under 18 years of age, we will take steps to remove that individual’s personal information from our systems.

12. HOW LONG DO WE RETAIN YOUR INFORMATION?

We retain personal information we collect from you where we have an ongoing legitimate business need to do so. For example, we retain information in order to provide you with services, to comply with applicable legal, tax, or accounting requirements, and to enforce our agreements, prevent fraud, assist with investigations, resolve disputes, analyze or troubleshoot programs, enforce our terms of use, or take other actions permitted by law. We may also retain information to prevent re-registration in the event that your account has been suspended or terminated or to create an archival copy of your information, which might be used by us for record keeping and internal purposes.

13. CHANGES TO THIS PRIVACY POLICY

From time to time, F2 may update its Privacy Policy. Where these changes are material in nature we may notify you either by prominently posting a notice of such changes prior to implementing them, by directly sending you a notification, or by posting the most recent version of the Privacy Policy on the Services, with the “Last Updated” date posted at the top. You should check the Services frequently for updates. By accessing the Services after the “Last Updated” date, you are deemed to consent to our then-current Privacy Policy. We encourage you to review this Privacy Policy frequently to be informed of how ALM is collecting and protecting your information.

14. DISPUTE RESOLUTION FOR UNITED STATES RESIDENTS/ARBITRATION/LIMITATION OF LIABILITY

If you are a resident of the United States and you choose to use the Services, any dispute over privacy is subject to this Privacy Policy and F2’s Terms of Use including arbitration, limitations on damages, resolution of disputes, and application of the laws of the United States and the State of Missouri.

15. CONTACT INFORMATION

If you have any questions, comments or concerns, please contact us using the details below:

For United States:

F2 Financial Freedom, LLC
Attn: Customer Service
762 Luetkenhaus Blvd #309
Wentzville, MO 63367
Phone: 636-735-3583
Email:
service@f2family.com