Privacy Policy

Information about Privacy on FHRI.org

This web site is owned by Financial & Health Research Institute LLC, a Nevada limited liability corporation ("FHRI"). FHRI wants you to know about the collection, use, security, and access to information that may result from your use of this site. By visiting this web site, you consent to the policies and practices described in this notice, including the collection and use of information as described below. This Privacy Policy Statement explains data collection and use of personal identifying information. The following principles apply to personally identifying information we ask for and that you provide. "Personally identifying information" is information that individually identifies you, such as your name, physical address, or email address. This Policy only applies to fhri.com; it does not apply to third party sites, products or services. Please read the complete Privacy Policy.

The following is an outline of policies and information regarding our privacy and security standards. Click on the link to move to the section:

Information Collection

By using our site, you consent to the collection and use of your personal information as described in this Privacy Policy. In order to provide you with full access to the services and materials on the site that you request, we will need information that personally identifies you. This information may include (1) your first and last name, (2) your address, (3) an email address, (4) telephone number, (5) social security number, and (6) other identifying information. Generally, this information is requested when you are registering for use of tools contained on the site, entering a contest, or ordering e-mail magazines or newsletters.

When you sign-up for full access to the site services on the "Sign-Up" link, by voluntarily disclosing your personal identifying information you agree that such information may be (i) used by FHRI as a referral to a licensed financial professional, (ii) disclosed to a third party provider who provides services to FHRI for maintenance of the site, and (iii) as otherwise provided in this Privacy Policy.

Additional information is gathered from a variety of sources, including, but not limited to:

  • Information you provide to us on applications, forms or financial tools.
  • Information you provide to us on surveys about your experience with FHRI, and outside parties, so that we may better serve you.

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Information Automatically Logged

When you visit our site, some information may be automatically collected as part of the software operation of this site. This information may include:

  • Your Internet protocol address,
  • Internet service provider,
  • The operating system you used,
  • The referring web site address,
  • The time and date of your visit,
  • The web pages or services you accessed at this site, including the first and last web pages you visited, and
  • If you downloaded a form, the form that was downloaded.

This intake of information is not personally identifiable. FHRI and/or its service providers use this information internally for statistical analyses of user behavior and characteristics in order to measure interest in and use of the site.

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Information Use and Disclosure

Within FHRI

Personal identifying information that you provide to gain full access to our services will be maintained in our database, and such information may also be accessible by a licensed financial professional within the advisor network of FHRI. If you choose to provide this information, financial professionals may be able to determine your particular needs with respect to financial planning and respond by presenting free resources and tools to you. Such financial professionals are independent of FHRI and are not the employees, agents or representatives of FHRI.

With Outside Parties or Companies

If you register on the FHRI website, personal information and the financial information you provide may be forwarded by FHRI to an independent licensed financial professional.

Any personal identifying information will be used only for the purposes for which it was provided and for related purposes and, except as described in this Privacy Statement, will not be shared with any other third party. We may share such information in any of the following limited circumstances:

  • We have your consent.
  • We provide such information to trusted businesses or persons for the sole purpose of processing personally identifying information on our behalf.
  • We are required by law or have a good-faith belief that such action is reasonably necessary to protect the rights, property or safety of FHRI, its users or the public.
  • As indicated in this Agreement, your information may be provided to licensed financial professionals if you submit your contact information on FHRI’s website.

If you have a user account, we may share the information you submit in order to properly serve you and to improve the quality of our services. We will not disclose your account information to other people or non-affiliated companies, except as provided in this Policy or with your consent.

We may store and process your personal information collected on our site in the United States or any other country in which the party contracted by FHRI to support the site maintains facilities. By using our services, you consent to the transfer of your information among these facilities, including those located outside the U.S.

Not all content on the site is provided by FHRI. Our site uses third-party content providers and links to enhance the usefulness and breadth of our publication offerings. Some content providers require an account on their site to identify you while using their site. An example of this would be a personal email account or calendar. When you register through the FHRI web site, a separate account may also be created on the site of the content provider.

The username and password you use to access your FHRI account is not shared with any third party content provider. If the content provider on our site requires you to establish an account on their site, your account will be with the content provider and it is recommended that you use a different username and password from that used to access FHRI’s sites.

Demographic and profile data is also collected at our site. This information is shared with advertisers on an aggregate basis.

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Information Confidentiality and Security

This site has security measures in place to protect your personal identifying information from unauthorized access, use, or disclosure. Because of the personal nature of the information that may be collected and maintained on this site, all personal and financial information is transmitted over a 40-bit Secure Socket Layer (SSL) encrypted connection.

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Supplementation of Information

This site supplements the information that you provide with information that is received from third parties. Address information is compared with databases of third parties which compile data relating to change of addresses. This improves the accuracy of our records. In addition, address information may be enhanced with known demographic data for your postal zip code and/or census block.

Cookies

We collect information through the use of "cookies." Cookies are pieces of data assigned by a web server to the browser on your computer. Cookies help web sites recognize return visitors. So, when a user returns to a web site he or she has visited before, the browser gives this data back to the server. Our site uses cookies to store user preferences, such as, a username, so the customer doesn't have to re-enter this information each time the site is visited. Note: personal information such as social security or other identifiers is not embedded in cookies. This automatic collection of information is used to help us understand how people are using the site, and to improve its content and design. Most browsers are initially set up to accept cookies. You can refuse the cookie by resetting your browser, or you can also delete the cookie file from your computer. However, if you turn your cookie option off, you may not be able to access some of the features in our interactive applications. We recommend that customers log off once they have completed any communications of a financially secure nature. We also recommend that they do not visit other sites during a session involving information of a financially secure nature.

If you choose, you may have personal information collected about you by FHRI discarded without reuse or distribution, provided that we are contacted in writing at the address indicated below.

Cookies with Outside Companies

We may use an outside advertising company to display ads on our site. These ads may contain cookies. While we use cookies in other parts of our site, the cookies received from ads are collected by a third party and we do not have access to that information.

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Links to Third Party Sites

Our web site has links to sites we feel may be useful to you. When you link to another site, you are no longer on our site and are subject to the privacy policy of the new site. Be sure to review those policies as you access linked sites. FHRI is not responsible for the methods in which web sites of third parties collect information.

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Forms

Registration Forms

To gain full access to the services on our site, users are required to register for the services by providing personally identifying information (name, email, phone number, and address). Additional services on the site allows users to submit and store financial information (such as, bank account or credit card numbers), unique identifiers (social security number), and demographic information (zip code, age, or income level). Such information is provided as a courtesy to the user for storing important information and certain personally identifying information (name, phone number, address, email address, asset diversification information) is provided to a licensed financial professional designated by FHRI to provide the services requested by the user.

Unique identifiers (such as social security numbers) provided by users may be used to verify the user's identity, and for use in aggregating accounts in our record system.

Order Forms/Surveys

Our site uses order forms and surveys to allow users to request information, products, and services. We collect personal information (name, email address, and account information) to respond to user requests for products and financial services.

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Protection of Children's Personal Information

You must be at least 18 years old to obtain an account on this site. This site is a general audience site and does not knowingly collect any personal information from children.

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Limitation of Liability

We attempt to maintain the highest level of accuracy on this web site. Any errors or omissions should be reported to FHRI for our investigation.

We make no claims, promises, or guarantees about the accuracy, completeness, or adequacy of the contents of this web site, and expressly disclaim liability for errors and omissions in the contents of this site. No warranty of any kind, implied, expressed, or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given with respect to the contents of this web site or its hyperlinks to other Internet resources. Reference in this web site to any specific commercial products, processes, or services or the use of any trade, firm, or corporation name of a third party not affiliated with FHRI, is for your information and convenience, and does not constitute endorsement or recommendation by FHRI, or its employees or agents.

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Ownership

Some of the information presented on this web site may be protected by trademark, copyright, or other intellectual property rights. Permission to use such material must be obtained in writing in advance from FHRI.

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Changes to This Policy

Please note that this Policy is subject to change from time to time. We expect the majority of such changes to be minor, but there may be changes that are more significant. We will post those changes on this page and each version will be noted at the top of the page. You should review the terms of this Policy periodically to make sure that you are aware of how personal identifying information is collected and used. If you do not agree to the use of your information, then you are not permitted to use the site.

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Contacting F&H

If you need to inform FHRI of any changes to your personal information, or if you have any questions about this Privacy Statement, the practices of this site, or your dealings with this site, you can contact FHRI at: customersupport@fhri.com.

Copyright © 2013 Financial & Health Research Institute LLC. All rights reserved.

Last Updated May 6, 2013

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