Privacy Policy

1. Our guiding privacy principles

Practical Financial Detox (PFD) is committed to upholding your privacy as a valued member, prospective member, customer or user of this or any other PFD website. The personal data about you that we collect, process or use (‘Data’) is held securely and treated in accordance with this Policy. Whenever you give us Data, you are consenting to its collection and use as explained at the time of collection and in this Policy, including our use of ‘cookies’ (see section 7). We operate an integrated communications programme which means we use your Data to communicate with you through several different channels. Our aim is to keep you up-to-date with all the latest news from PFD, however if you feel you no longer wish to receive direct mail or email communications from us, you can cancel at anytime.

2. How to contact us

If you would like to contact us at any time with regard to this Policy or its contents please contact: The PFD by email to assist@practicalfinancialdetox.com

3. What personal data do we collect?

If you visit the PFD website, your Internet Protocol (‘IP’) address and other information relating to your visit will be tracked by a method called URL Rewriting where the link (URL) to any page on the site has a unique session ID appended to it If you wish to interact with practicalfinancialdetox.com, you will need to become a registered user of the site. That process will involve you providing us with Data about you such as your name, address, email address. Similar and other Data such as your age, address,number of years’ business experience may be requested if necessary, either online through practicalfinancialdetox.com, by email, by post, in person or telephone, if you order PFD products or services or apply for PFD membership. After you first request information from the PFD, book to attend an PFD event, provide us with your contact details at an PFD event, purchase any other PFD goods or services, or become a registered user of practicalfinancialdetox.com or an PFD member, we will collect other Data such as when you made purchases, request information or publications, sign up for conferences or other PFD events or participate in surveys. When you order certain goods and services from the PFD you will be asked for further Data such as your credit card details and expiry date and to verify the delivery address where relevant.

4. Disclosure of information

The PFD’s use of your Data for any of the purposes disclosed in this Policy, or any other purposes disclosed in any separate communication, may involve the PFD sharing it with third party suppliers such as contractors, agents or professional advisers appointed by the PFD to assist the PFD in providing PFD services, facilities and products. These may include entities located in countries outside the European Economic Area (currently the European Union and Iceland, Liechtenstein and Norway), who will be required to comply with our strict privacy requirements, and to demonstrate that they follow best practice guidelines for data protection. In no other case, unless obliged to do so by law, will the PFD sell, rent, lease or otherwise share your Data with third parties, unless you have provided your specific, positive and unambiguous consent.

5. What we use your data for

Data about you provided to the PFD will be used for the purposes described at the time of collection. It may also be used for the other purposes described in this Policy. For instance, Data will be used by the PFD to record practicalfinancialdetox.com usage patterns and your use of the PFD’s other services, goods and facilities, thus helping us to administer these effectively and provide the highest possible level of service. It also helps us better understand your needs and interests. If you are an PFD member your Data may be used to send you, by post or by email, any PFD publications made available to PFD members including regular monthly newsletters and updates on regional events and activities. It will also be used for PFD administrative purposes such as membership renewal reminders. If you are not an PFD member your Data may be used to send you regular updates about the latest information and services available from the PFD, by post or email. We will always require you to supply an email address when you complete a transaction on practicalfinancialdetox.com for email confirmation and administration purposes. However, when capturing your email address we may also offer you the chance to ‘opt in’ to receive other email communications. If you do not ask to be sent these communications, you will only receive email for administration purposes. Data may also be used to send PFD members and non-members promotional communications as described in the ’Promotional Communications’ – section 6 below.

6. Promotional communications

Unless you have previously opted out of receiving such communications (see ‘Opting out’ – section 6), your Data will be used by the PFD for marketing, advertising and promotions (’Promotions’). These Promotions may advertise PFD events and other PFD services, goods and facilities, some of which are offered to you in partnership with specially selected partners of the PFD. Because of this, Data may be shared with them solely for the purpose of informing you of such PFD events, services, goods and facilities. Other Promotional communications may also invite you to participate in surveys or prize events sponsored by third parties. These third parties will have been specially selected by the PFD and third party Promotions will not result in your Data coming into the third party’s possession unless you give separate consent to this occurring, for example if you participate in a survey or prize draw or subsequently place an order with the third party. In that event please check notices supplied by that third party for information as to how they will make use of your Data. Promotional communications may be made by post, facsimile, or email. In the case of email communications these will only be sent to you if you have opted into the PFD’s use of email to communicate with you on these matters. For more details on how you can opt in or out of email communications please visit www.practicalfinancialdetox.com/email.

7. Opting out

You may at any time opt out of any future PFD communication, digital or non-digital, Promotional or non-Promotional. If you wish to opt out of receiving postal communications please contact the PFD by email (assist@practicalfinancialdetox.com). If you wish to opt out of email communications please send an email to assist@practicalfinancialdetox.com

8. Cookies

A cookie is a small piece of data that is sent from our web server to your browser when you visit practicalfinancialdetox.com. It is stored on your hard drive. There are several types of cookie that are used to keep track of information needed by a site user as they travel from page to page within a website. We use a method called URL Rewriting where the link (URL) to any page on the site has a unique session ID appended to it. This allows practicalfinancialdetox.com to track a user’s behaviour without the need to write a temporary cookie to their PC’s hard drive. Other types of cookie can be used to track internet activity after the user has left a website. These are normally facilitated by organisations external to the website being visited and are generally known as ‘third party’ cookies. These usually have a long lifetime with several months being quite common. They are “harvested” and “refreshed” whenever the user visits a page where the same or a similar cookie is being used. We currently have two third party cookies written from www.practicalfinancialdetox.com as follows: We will not use any of this data to identify you personally, it is used only to monitor and improve practicalfinancialdetox.com. Internet browsers normally accept cookies by default, but it is possible to set a browser to reject cookies. If this is done it is important not to exclude the benign and useful cookies. Choose an option that rejects all third party and long lived cookies.

9. Supplementary information

We may supplement your personal data with other Data about you we have received from third parties, provided that they have obtained and shared that Data with us in a manner that is compliant with all relevant laws and codes. For instance a third party may be used to verify your payment details. We may also combine Data about your purchasing habits with similar data about you to create a personalised user profile. We can then use this to send you communications which are more likely to be of interest to you.

10. Maintaining the information we hold about you

The PFD aims to keep the Data it holds about you accurate and up to date. If at any time you want to verify, update or amend any Data we hold about you or if you become aware of possible errors or inaccuracies in that Data, please visit www.practicalfinancialdetox.com where you are able to view and amend your details online (you will need to be logged in using your username and password). Alternatively contact the PFD directly. If you wish to opt out of further use of your Data for any purpose, please refer to Section 6.

11. Links to third party sites

practicalfinancialdetox.com may contain links to other sites, provided as a convenience to you. You are under no obligation to use these sites, but if you choose to do so, please be aware that these sites have separate content, privacy and data collection policies. Please refer to these before interacting with the site. The PFD cannot accept responsibility for any use of your Data by these sites.

12. Surveys

The PFD may from time to time invite you to participate in surveys. This may occur online or using other communication channels. Anonymity of individual respondents and protection of personal details will be maintained except where you have expressly granted permission to the contrary. Information gathered through surveys will be researched and compiled on an aggregated basis and results may be published on practicalfinancialdetox.com or elsewhere. Such results will not identify you. The information will be used to help us formulate our policy positions and to monitor or improve practicalfinancialdetox.com and PFD products and services.

13. Security

The PFD places great importance on the security of all Data associated with our members, customers, registered users of practicalfinancialdetox.com and other contacts. We have security measures in place to protect against loss, misuse or alteration of Data under our control. Unfortunately no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal data, we cannot warrant the absolute security of any Data you transmit to us online or to any other persons providing products or services online through practicalfinancialdetox.com. You are responsible for maintaining the security of your passwords in your possession and/or any account information in your control.

14. Transactions

As part of our commitment to offering you a wide range of products and services, we enable you to make purchases from us or sometimes direct from a third party seller (‘Seller’). If you choose to make a transaction direct with a Seller, for instance online through practicalfinancialdetox.com or an PFD email, we will make it clear that you are being transferred to the Seller. Offline, it will be clear from the marketing communication if you are being asked to contact the Seller direct to place an order. This is important because when you choose to order direct from the Seller, you become their customer and use of your data is then the Seller’s responsibility and subject to any Privacy Policy which they may have. If you order products or services from the PFD, an outside delivery company where relevant and a credit card processing company may be used to fulfill the order and process payment. In these instances these companies do not retain, share, store or otherwise use personally identifiable information for any other purpose.

15. Notification of changes

The PFD reserves the right to modify, alter or otherwise update this Policy at any time and users are encouraged to review this Policy from time to time. Any changes to the Policy will be highlighted on the practicalfinancialdetox.com homepage and the previous Policy will be available on practicalfinancialdetox.com for at least six months after the change has come into effect. The PFD is registered with the Data Protection Registrar. PFD registration number is Z1666693

16. Who processes your personal data?

Your personal data (also referred to as personal information) – that is, data that identifies you, or from which you are identifiable – will be collected, processed, stored and used by us, and passed to and processed by our subsidiary and/or affiliated companies and other data processors acting under contract with us. Personal data contributed by or collected from users on our Site may be stored and processed in the UK, United States or any other country in which we or our affiliates, subsidiaries or agents maintain facilities, and by using our Site, you acknowledge and agree that you may be transferring your personal data outside of the country in which you have contributed it, and that you consent to any such transfer of information outside of your country. These countries may not have similar data protection laws to those that apply in the European Union (EU). However, if we transfer your personal data outside of the EU in this way, we will take steps to ensure that your privacy rights continue to be protected in compliance with applicable data protection law and this Privacy Policy.

17. The information we gather

At various times you may contribute your personal data to us. For example, in order to process a request or enquiry you may make concerning a property or transaction, we need to know all or some of the following: your full name, address, telephone number, e-mail address, and, in the case of a member’s (advertising) listing, a method of payment. You may also contribute personal data to us at other times, such as when registering on the Site. For further detail on our gathering of personal data, see Surveys and Newsletters below.

18. How we use your personal data

Your personal data will be used to provide and promote the Site, to process payments members make to us, to provide user support, and for other purposes referred to in this Privacy Policy and the Terms and Conditions. We will also use the personal data users provide to us to contact the user from time to time with critical user or service updates, and to send other messages that are integral to the service we provide on the Site. If you have an account on the Site, we must always be able to e-mail you operational information about your account and your use of our services. Your personal information is not shared with third parties, except: 1) in the case of special promotions by us, or one of our partners, about which you’ve requested to be notified; 2) where a third party performs services on our behalf and has agreed to keep such information confidential (such as the processing of your credit card payment or the conduct of an online survey for example); and 3) our Affiliates, but only for the purpose of performing this Agreement. In the event that we or the Site are acquired by a third party, your personal information may be transferred to any such acquirer.

19. Newsletters

As a member of the Site, you will receive our newsletter, which is an integral part of the service we provide. Users may cancel their subscription to these newsletters at any time.

20. Surveys

Surveys are another method by which we gather information about our users. From time to time, we request users’ input in order to evaluate potential features and services. The decision to answer a survey is completely yours. We use information gathered from surveys to improve our service.

21. Enquiries

Site users may send enquiries to members via clickable links on Site listings. If you choose to send an enquiry through these links, your personal information, including your e-mail address and any other information you supply, will be visible to the member in question so that they might reply directly to you. If you call the member, you may be asked to leave a return telephone number. Do not share information in the e-mail or phone call that you are not prepared to allow them to have, including, but not limited to, credit card and bank account information. These enquiries are both sent to the individual member you selected and retained by us. The resulting enquiry is available for review only by the member to whom they were initially addressed and to our customer service employees, who may be asked by members for their past enquiry information. While the content of these enquiries is not shared with any other party, the Site may, from time to time, use third party e-mail servers to send and track receipt of the enquiry e-mails, and analyze the pattern of enquiry usage reported by these third party tracking systems; the resulting information is used and stored only in an anonymised form.

22. How Do We Protect Your Personal Information Once We Have It?

We take appropriate technical and organisational measures to guard against unauthorised or unlawful processing of your personal data and against accidental loss or destruction of, or damage to, your personal data. While no computer system is completely secure, we believe the measures implemented by our site reduce the likelihood of security problems to a level appropriate to the type of data involved. We have security measures in place to protect our user database and access to this database is restricted internally. However, it remains each user’s responsibility: to protect against unauthorised access to your use of the Site; to ensure no-one else uses the Site while the user’s machine is “logged on” to the Site service; to log off or exit from the Site when not using it; and where relevant, to keep his/her password or other access information secret. All personal information is stored on a secure server. We do not store credit card numbers or related identifying information on any Site server. All such information is stored by our credit card processing partner, on their secured servers, and is protected via its proprietary methods. Please remember that many services and transactions are performed by our business partners. Our privacy policy and our security or common practices do not apply to other companies.

23. What is a Cookie and Why Do We Use Them?

A “cookie” is a small piece of information sent by a Web server to store in a Web browser so that it can later be read back from that browser. We may use cookies to store some personal preferences for your future visits. Cookies allow us to recognize you more quickly; therefore, your time spent on our site can be more personalized and productive. You’ll find that cookies are an industry standard and are used at most major Web sites in much the same way we use them here at our Site. We use third-party site usage tracking companies to analyze your Site visit or to conduct surveys. In the course of serving our pages, these third parties may place or recognize a unique “cookie” on your browser. These companies may use information (not including your name, address, e-mail address or telephone number) about your visits to the Site and other Web sites in order to help us understand how to serve you better. We also use third-party advertising companies to serve ads when you visit our Site. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. When you view a web page on our Site that contains advertising provided by one of these third parties, the service provider may place a cookie on or retrieve a cookie from your computer if you have not disabled your browser from receiving cookies. If you wish, you can prevent cookie files from using (non-personal) information about you by either deleting the cookie folder in your browser or by putting your browser’s Privacy setting higher, but doing so will mean that (a) your use of the Site will be adversely affected (and quite possibly entirely prevented), (b) your experience of this and other sites that use cookies to enhance or personalize your experience will be adversely affected, and (c) you will not be presented with advertising that reflects the way that you use our, and other, sites. You find out how to make these changes to your browser at this site: www.allaboutcookies.org/manage-cookies/.

24. Web Beacons and Clear GIFs

We gather and share anonymised information concerning the usage of the Site by members and travellers with one or more third-party tracking companies for the purpose of reporting statistics. In this connection, some of the pages you visit on our Site use electronic images placed in the web page code, called pixel tags (also called a “clear GIFs” or “Web Beacons”) that can serve many of the same purposes as cookies. Web beacons may be used to track the traffic patterns of users from one page to another in order to maximize web traffic flow. The Site’s third-party advertising service providers may also use Web Beacons to recognize you when you visit the Site and to help determine how you found the Site. If you would like more information about this practice and to know your choices about not having this information used by these companies, go to: http://networkadvertising.org/consumer/opt_out.asp

25. How long will we keep your personal data?

We will retain your personal data only as long as is necessary for the purposes to which you consent under the Terms and Conditions and this Privacy Policy, or as is required by applicable law, and then we will delete it.

26. Disclosure for legal reasons

Your personal data may be disclosed if we or an entity processing your data on our behalf are compelled to do so by law, or receive a valid, legally compliant request by a law enforcement or governmental authority.

27. How do I contact you?

If you have any questions about this Privacy Policy, the practices of this Site, or your dealings with this Site, we encourage you to contact us online at assist@practicalfinancialdetox.com