Privacy Policy and Terms of Service

PRIVACY POLICY

Purpose

The purpose of this Privacy Policy (“Privacy Policy” or “Privacy Notice”) is to summarize the ways in which Empower Finance Tips, our affiliates, and all of our brand names and branded services (collectively “Empower Finance Tips,” “we,” “our,” “us”) collect, maintain, and use the personal information of users of this website (“Site”) who contact our customer service representatives, fill out online order forms or information request sheets, download and use browser extensions or applications created by us, and provide information to our sales agents (“user,” “you,” “your”). Please feel free to contact us by email at empowerfinancetips@gmail.com with any questions or concerns about this Privacy Notice or the information we gather about you.

How We Collect Your Information

We gather information about you when you interact with our services, including when you use our websites, contact our customer service representatives, fill out online order forms or information request sheets, download and use browser extensions or applications created by us, and provide your information to our sales agents (collectively “Customer Information”). We also use cookies and pixel tags to track your usage of our websites. We also use online order forms and information request sheets to obtain information from you that is necessary to process your orders and provide you with requested information. When you call the numbers on our websites and speak with our customer service representatives, we collect information provided during calls to ensure the best quality of service and the correct processing of your orders.

Information We Collect

Below is a list of the types of Customer Information that we may collect as you interact with our services:

Customer Contact Information: Any information needed to contact you and fulfill your orders and requests, such as your name, address, phone number, and email address.
Private Customer Information: Information necessary to check credit and process payments, including your Social Security Number, credit card information, and banking and wiring information.
Customer Order Information: Information necessary to complete your orders and requests for information.
Demographic Information: Publicly available information about your age, income, home ownership, etc.
Website Usage Information: Information collected via anonymous third-party cookies that tells us about the way you use and navigate through our websites.
Proprietary Analytics: This Site uses proprietary analytics systems to help improve usability and the customer experience.

Cookies

We use cookies to enable you to navigate between pages and improve your user experience. You can set your browser not to accept cookies, but in a few cases, some of our website features may not function as a result.

How We Use Customer Information

We use your Customer Information to process your orders and requests, to provide you with the products and services you desire, and to contact you about services, your account, events, or products that we think might be relevant or of interest to you.

We may share your Customer Information with third parties to complete your purchases of products and services. This includes sharing information with third-party product and service providers and third-party advertisers, among others.

Children Under the Age of 16

Our services are not intended for children under 16 years of age, and we do not knowingly collect personal information from children under 16.

Security Measures

We have implemented a variety of encryption and security technologies and procedures to protect information stored in our computer systems from unauthorized access.

Opt-out and Data Subject Access Request Procedures

You may opt out of receiving email promotions from us by clicking the “unsubscribe” link at the bottom of our emails or by contacting us at empowerfinancetips@gmail.com.

TERMS AND CONDITIONS

THESE TERMS AND CONDITIONS CONTAIN AN ARBITRATION AND CLASS ACTION WAIVER. PLEASE READ THIS CAREFULLY AS IT AFFECTS YOUR RIGHTS. ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO YOUR USE OF EMPOWER FINANCE TIPS SERVICES WILL BE RESOLVED BY BINDING ARBITRATION RATHER THAN COURT.

1. Purpose

These Terms and Conditions (the “Terms and Conditions” or “Terms”), together with our Privacy Policy, state the terms under which you (“You,” “you,” “your,” “user”) may use this website (the “Site”) and by which Empower Finance Tips, our affiliates, and all of our brand names and branded services (collectively “Empower Finance Tips,” “we,” “our,” “us”) provide our services (“Services” or “services”) to you (collectively, the “Agreement”). Please read this page carefully. By using this Site, our Services, and consenting where required by law to receive mobile marketing texts and calls, you agree to be bound by all the Terms set forth herein. If you do not accept these Terms and Conditions, please do not use this Site or the Services.

2. Copyright

The contents of this Site, such as text, graphics, images, and other content (the “Site Material”), are protected by copyright under United States law. These Terms and Conditions do not grant you any license to the Site Material. We authorize you to view and download a single copy of the Site Material for your non-commercial personal use. Unauthorized use of the Site Material violates copyright and other laws. Except as expressly provided herein, you may not sell, modify, reproduce, display, distribute, or otherwise use the Site Material in any way for any public or commercial purpose. We retain all intellectual property rights in the Site Material.

3. Trademark

The names, marks, and logos appearing on the Site are, unless otherwise noted, trademarks owned by or licensed to Empower Finance Tips. Your use of these marks, except as provided in these Terms and Conditions, is strictly prohibited.

4. User Submissions

We welcome your reviews and comments. However, you acknowledge that if you send us any reviews, comments, suggestions, ideas, or other information (collectively, the “Information”), you grant us the irrevocable, perpetual right to use, alter, publish, or delete the Information for any purpose without compensation to you. Notwithstanding, we disclaim all liability for reviews and comments posted by users on the Site.

5. Product and Service Rankings

The Site offers product and service rankings as a source of information. We make no representations or warranties regarding the accuracy or completeness of the rankings, which are based on subjective and objective criteria. You assume the entire risk as to the accuracy of any information provided on this Site.

6. Limitation of Liability

EMPOWER FINANCE TIPS DOES NOT WARRANT THAT THE SITE, SITE MATERIAL, OR THE SERVICES WILL OPERATE ERROR-FREE OR ARE FREE OF HARMFUL MATERIAL. THIS SITE, THE SITE MATERIAL, AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AT YOUR OWN RISK” BASIS WITHOUT ANY WARRANTIES OF ANY KIND.

7. Disclaimer of Consequential Damages

IN NO EVENT SHALL EMPOWER FINANCE TIPS OR ANY THIRD PARTIES MENTIONED ON THE SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER RESULTING FROM THE USE OR INABILITY TO USE MATERIAL, ADVICE, OR SERVICES ON THIS SITE.

8. Links

This Site contains links to third-party sites, provided solely as a convenience. We are not responsible for the content of any linked sites and make no representations regarding the content or accuracy of materials on such sites. Use third-party sites at your own risk.

9. Indemnity

By using this Site or the Services, you agree to defend, indemnify, and hold harmless Empower Finance Tips and its partners from any and all claims, damages, and expenses arising from your use of the Site or the Services.

10. Severability

If any provision of this Agreement is prohibited or unenforceable, the remaining provisions shall remain in full force and effect.

By using this Site or the Services and providing your contact information, you consent to receive marketing emails and calls from Empower Finance Tips. Your consent is not required as a condition of purchase.

12. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the State of New Hampshire. The exclusive venue for any dispute shall be the state or federal courts located in New Hampshire.

13. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and Empower Finance Tips regarding your use of this Site.

14. Changes to the Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Your continued use of the Site after such modifications constitutes your acceptance of the new Terms.

15. Binding Arbitration and Class Action Waiver

IMPORTANT! ALL DISPUTES WILL BE RESOLVED BY BINDING ARBITRATION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CONSOLIDATED PROCEEDING.