Privacy Policy

            Benison Financial Coaching LLC, a Massachusetts limited liability company (“Benison” or “we“, us“, or “our“) provide this Privacy Policy (“Privacy Policy”) to let you know about our policies and procedures regarding the collection, use and disclosure of information through https://benisonfinance.com (the “Site“) and the financial coaching services that are provided by Benison (together with the Site, the “Services”). We encourage you to read this Privacy Policy carefully. It will help you make informed decisions about sharing your personal information with us.

            The defined terms in this Privacy Policy, if not defined herein, shall have the same meaning as in the Benison’s Terms of Use, available at[m1]  www.benisonfinance.com/terms (the “Terms of Use” and together with the Privacy Policy, the “Terms”). You should read the Terms before accessing or using the Services.  By accessing and using our Services, You consent AND AGREE TO BE BOUND BY THE TERMS.  If you do not agree to any portion of these Terms, then exit the Site IMMEDIATELY and do not return.

Information we collect

Personal information you disclose to us

We collect and maintain personal information that you voluntarily provide to us when expressing an interest in obtaining information about us or our Services, when posting comments on our blog or articles, purchasing our Services or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Site, the choices you make and the products and Services you use. The personal information we collect can include the following

  • First and last name
  • Postal address
  • Phone numbers
  • Website URL
  • E-mail address
  • Other billing information, i.e. order details

In order to communicate with us or to use our Services, you may be prompted to provide certain personal data in the following ways:

  • By filling in forms (i.e. a “Contact Us” form) on our websites or anywhere else we conduct business
  • When you place an order using our Site. This may include your first and last name, postal address, phone and fax numbers, URL, e-mail address and payment details.
  • By subscribing to our newsletters or marketing material or commenting on our blog posts
  • Interact with us using social media
  • By corresponding with us by phone, e-mail or otherwise using our contact details

Typically, the personal information you give us may include name, email address and phone number and any other personal details required to provide marketing services or otherwise contact you.

Information Automatically Collected

          Benison also automatically collects certain information when you visit, use or navigate the Site. This non-personally identifying information, collected through the use of Google Analytics, does not reveal your specific identity but may include:

  • The name of the domain from which you access the Internet.
  • The Internet address of the website from which you linked directly to our Site, if any.
  • The type of web browsing software and operating system you are using to view our Site.
  • The date and time you access our Site.
  • The pages you visit on our Site.
  • The amount of time spent on the Site.

            This information is primarily needed to maintain the security and operation of our Site and to better understand how our visitors use the Site.

Throughout the Site there may be forms to request information, products and services. These forms typically ask for personally-identifying information (such as your phone, address or e-mail address).  Contact information from these forms is used to send the information that you request.

Information collected from other Sources

We may obtain information about you from other sources, such as public databases, joint marketing partners, social media platforms (such as Facebook), as well as from other third parties. Examples of the information we receive from other sources include: social media profile information (your name, gender, birthday, email, current city, state and country, user identification numbers for your contacts, profile picture URL and any other information that you choose to make public); marketing leads and search results and links, including paid listings (such as sponsored links).

How we use your information

We use the personal information we collect to: 

  • Conduct and develop our business with you
  • Operate, evaluate, maintain, improve and develop the Site (including by monitoring and analyzing trends, access to, and use of the websites for advertising and marketing)
  • Monitor, carry out statistical analysis and benchmarking (i.e. Google Analytics for sites pages tracking), provided that in such circumstances it is on an aggregated basis which will not be linked back to you or anyone else
  • Engage and educate you about our Services
  • Provide you with documentation or communications which you have requested
  • Correspond with you to resolve your queries or complaints
  • Provide you with any Services you request
  • Send you marketing communications, where it is lawful for us to do so

More specifically, we use personal information provided by you to:

  • Send you marketing and promotional communications for business purposes and/or with your consent. We may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences.  You can opt-out of our marketing emails at any time.
  • Fulfill and manage your orders. We may use your information to fulfill and manage your orders and payments made through the Site or in connection with the Services.
  • Post testimonials. We may post testimonials on our Site that may contain personal information. If you provide us with a testimonial, you give us your consent for the use of your name to be displayed on our website or in our other marketing materials, together with the content of the testimonial that you provide. If you wish to update or delete your testimonial, please contact us at dstpeter@benisonfinance.com and be sure to include your name, testimonial location, and contact information.

Third Party Disclosure

            We will not intentionally share your personal information or otherwise make your personal data available to any third-parties for the purpose of marketing or targeting you.  We will not sell, rent or exchange your personal Information with any third-parties, unless you have provided your express consent.  Notwithstanding the foregoing, we reserve the right to access, read, preserve, and disclose any information that we reasonably believe is necessary to: (i) satisfy any applicable law, regulation, legal process or governmental request; (ii) enforce this Privacy Policy and our Terms of Use, including investigation of potential violations hereof; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) respond to user support requests or (v) protect our rights, property or safety, our users and the public. This includes exchanging information with other companies and organizations for fraud protection and spam/malware prevention.

            We may change our ownership or corporate organization while providing the Services. As a result, please be aware that we may transfer your information to another entity that is affiliated with us or with which we have merged.  Benison may sell, transfer or otherwise share some or all of its assets, including your personal information, in connection with a merger, acquisition, reorganization or sale of assets.  You will have the opportunity to opt out of any such transfer if the new entity’s planned processing of your information differs materially from that set forth in this Privacy Policy.

Cookies 

            The Site uses cookies to improve your experience while you navigate through the Site.  Cookies are small text files that are stored on your computer for record-keeping purposes.  Out of these cookies, some cookies are categorized as necessary and are stored on your browser as they are essential for the working of basic functionalities of the Site.  You cannot opt out of receiving these necessary cookies.

            We also use third-party non-necessary cookies that help us analyze and understand how you use this Site. These non-necessary cookies will be stored in your browser only with your consent. You have the option to opt-out of these non-necessary cookies through your browser.  However, you should note that refusing cookies may have a negative impact on some of the functionality and usability of the Site

Third Party Websites

The Site may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave our Site, any information you provide to these third parties is not covered by this Privacy Notice, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third-party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services or applications that may be linked to or from our Site.

You may request access to Your Personal Information

            It is your responsibility to ensure that the personal information you provide to us is accurate, complete and up-to-date. You may request access to the personal Information we hold about you, or request that we update or correct any personal information we hold about you, by setting out your request in writing and sending it to us at dstpeter@benisonfinance.com.  We will process your request as soon as reasonably practicable, provided we are not otherwise prevented from doing so on legal grounds.  If we are unable to meet your request, we will let you know why.  

Security

            All of your personal information and data remain private and confidential. We follow generally accepted standards to protect personal data submitted to us, both during transmission and once we receive it.

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Sites is at your own risk. You should only access the services within a secure environment.

            If you have any questions about security on our website, you can contact dstpeter@benisonfinance.com. 

How Long We Retain Your Personal Information

            We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, based on the following criteria:

  • For as long as we have reasonable business needs, such as managing our relationship with you and managing our operations
  • For as long as we provide services to you
  • Retention periods in line with legal and regulatory requirements or guidance

Kids and Privacy

            The Service is for general audiences and intended for users 18 and older. We do not knowingly collect any personal information from anyone who we know to be under the age of 18.  If you are under the age of 18, you should use the Site only under the immediate supervision of a parent or guardian and should not submit any personal information to us.  Our Site is not intentionally targeted to children under the age of 18. IF YOU ARE UNDER 18, THEN IMMEDIATELY EXIT THE SITE UNLESS YOU ARE DIRECTLY SUPERVISED BY A PARENT OR OTHER LEGAL GUARDIAN.  If we become aware that a child younger than 18 has provided us with Personal Information, we will use commercially reasonable efforts to delete such information from our files. If you are the parent or legal guardian of a child younger than age 18 and believe that Benison has collected Personal Information from your child, please contact us at: dstpeter@benisonfinance.com.

Information for Persons in the EU.

            We provide our services to individuals in the Commonwealth of Massachusetts in the United States of America and do not intentionally direct our activities to persons or businesses located in the European Union (“EU“).  If you are located in the EU or a resident of the EU please do not use the Site or Services.  If you believe that Benison has obtained your personal information, please contact us at:  dstpeter@benisonfinance.com

We Do Not Honor Do Not Track Signals. 

            We do not honor do not track signals and will continue to track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

California and Nevada Residents

            We do not provide the Services or intentionally direct our activities to persons or business that reside in California or Nevada.  If you are a California resident or a Nevada resident DO NOT USE THE SITE OR THE SERVICES.  If you are a resident of either of these states and believe that Benison has obtained your Personal Information, please contact us at:  dstpeter@benisonfinance.com.

Contacting Us  

            If there are any questions regarding this privacy policy or our administration of your personal information, please contact us at dstpeter@benisonfinance.com or by mail addressed to:  Benison, LLC, ATTN:  Privacy Department, 859 Willard St., Suite 400, Quincy MA 02169.     

Updates to This Privacy Policy 

            WE RESERVE THE RIGHT TO CHANGE, MODIFY, ADD, OR DELETE THE TERMS OF OUR PRIVACY POLICY AND TERMS OF USE FROM TIME TO TIME WITHOUT FURTHER NOTICE. YOUR CONTINUED USE OF THE SITE FOLLOWING THE POSTING OF CHANGES TO THIS PRIVACY POLICY MEAN YOU AGREE TO THE NEW TERMS.

Last Edited on November 19, 2020