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Privacy Policy

Last updated: July 2022

Thank you for visiting https://dividendfriends.com, one of the Alchemist, LLC Dividend Friends websites, or using one of the apps or services, (together the "Site") operated by Alchemist LLC Dividend Friends. We provide this privacy policy ("Privacy Policy") explaining our online information practices and the choices you can make about the way your information is collected and used at the Site. 

1.  Introduction

Alchemist LLC, Dividend Friends is a service website for financial literacy training.   The information provided on our website or at our seminars, online courses, events, webinars, workshops and zoom meetings are general in nature and do not provide personal financial advice. Our training does not take into account your objectives, financial or personal situation or needs.   You should do your own due diligence when making your investment decisions.    For more information about us, please see the “About Me” and “Overview” sections of our Site at https://dividendfriends.com/.

2.  Personal Information Dividend Friends collects

When you visit our Site or register for our products and services (including as a subscriber or a contributor), Alchemist LLC, Dividend Friends collects personal information about you. We use this personal information for the business purpose of providing our products and services, as well as marketing our products and services to new and potential customers. This includes providing you with personalized recommendations and customized content on our Site.

The categories of personal information we collect from users of and visitors to our Site are:     

  • Identifiers: This includes, for example, your name, nickname, username, email address,, phone number, postal address (including ZIP code), Internet Protocol address, and cookies or other identifiers which we assigned to uniquely identify you or which others assigned to uniquely identify you. We obtain this information when you provide it to us or otherwise automatically in the course of your interactions with our products and services.

  • Audio, Video and other Electronic Data: This includes audio, electronic, visual or similar information such as chat and any interaction that you may have with us (such as for customer service purposes) as well as your profile photo. It also includes any information you submit in forums, chat or message boards, and feedback or testimonials you provide about our products and services. We obtain this information when you provide it to us or otherwise automatically in the course of your interactions with our products and services.

  • Professional or employment-related information: This includes your job title, education information, CFA status, and other biographical information including professional interests and areas of expertise. We obtain this information when you provide it to us upon registering as a subscriber or contributor.

 

     The sources from which we collect personal information are:     

  • Directly from you: For example, when you create an account, or make a purchase, etc.     

  • Directly and indirectly from an activity on our Site and other services. 

  • Service providers who provide services on our behalf such as those used to fulfill orders, process your payments and requests, verify your information, monitor activity on our products and services, provide analysis and analytics, maintain databases, administer and monitor emails and marketing, administer and send mobile messages, serve ads on this and other services, and provide consulting services. 

  • Third party data providers. 

From time to time, we may also receive personal information about you from third party sources but only where these third parties have confirmed to us that they either have your consent or are otherwise legally permitted or required to disclose your personal information to us. We use this information to maintain and improve the accuracy of the records we hold about you and to send you personalized content, such as showing you articles and news. The personal information we collect include:  

  • Contact information

3.  Information Collection, Use and Sharing

We are the sole owners of the information collected on this site.  We only have access to/collect information that you voluntarily give us via email or other direct contact to you.  We will not sell or rent this information to anyone.  

We will use your information to respond to you, in connection with marketing and delivery of our products and services, for example:

  • Create your account

  • Provide and deliver products and services you request

  • Send you service-related information updates, alerts, and support and administrative messages

  • Send you marketing communications and personalized content such us showing you articles and news

  • Respond to your enquiries

  • Enable you to send and receive messages to other registered users and contributors, and post comments

  • Carry out analytics and to improve the quality and relevance of our Site

  • Survey your opinions through surveys or questionnaires

  • Serve and measure the effectiveness of advertising

  • Protect the integrity of our products and services and enforce our Terms of Use and other applicable terms, including to detect and prevent fraud and unauthorized activities, to secure our systems and the services, and prevent activities that may violate our policies or be illegal 

  • Detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, and prosecute those responsible for that activity

 

 

We will not share your information with any third party outside of our organization other than as necessary to fulfill your service requests; for example: 

  • Payment service providers

  • Scheduling service providers

  • Email service providers

  • Video and other communications platforms

  • IT services

Unless you ask us not to, we may contact you via email in the future to tell you about new services or changes to this privacy policy.

4.  Data Subject Rights

You have the right to: 

  • See what data we have about you, if any

  • Change/correct any data we have about you

  • Have us delete any data we have about you

  • Express any concern you have about our use of your data

  • Opt-out of marketing communication by clicking on the “unsubscribe” or “opt-out” link in the marketing e-mails we send you or by contacting us.  

  • Right to withdraw your consent: You can withdraw your consent at any time if you previously gave us consent for processing of your personal information. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.

 

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. If you would like to exercise any of these rights or would like further information please contact us using the contact details provided on our website.

5.     Cookies and other tracking technologies

We use cookies and similar tracking technology (collectively, “Cookies”) to collect and use personal information about you, including to serve interest-based advertising.

 

6.     Children's Privacy

In accordance with our Terms of Use, the Site is not designed for use by individuals under the age of 18. Accordingly, we do not intend to or knowingly collect personal information from anyone we know to be under 18 years of age. If you believe we have collected personal data from anyone under 18, please contact us at the email address listed below.

 

7.  Security

 

We take precautions to protect your information.  When you submit sensitive information via the website, your information is protected both online and offline.  

 

Whenever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way.  You can verify this by lookin for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.   

 

While we use encryption to protect sensitive information transmitted online, we also protect your information offline.  Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information.  The computers/servers  in which we store personally identifiable information are kept in a secure environment.

          

Legal Basis

Our legal basis for collecting and using the personal information is usually as follows:

  • Performance of a contract: where we need the personal information to perform a contract with you, for example setting up and administering your account and providing our products and services

  • Legal obligation: where we have a legal obligation to collect personal information from you, for example to comply with financial, accounting and other legal obligations

  • Legitimate interests: where the processing is in our legitimate interests and not overridden by your rights, for example to analyze and improve how our products and services are used, and to provide you with customer service

  • Consent: where we have your consent to do so, for example in relation to certain types of marketing  

 

Data retention

We retain personal information we collect from you where we have an ongoing legitimate business need to do so (for example, to provide you with a service you have requested or to comply with applicable legal, tax or accounting requirements).  

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

10.  Updates to this Privacy Policy

We may update this Privacy Policy from time to time in response to changing legal, technical or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make.  

You can see when this Privacy Policy was last updated by checking the “Last updated” date displayed at the top of this Privacy Policy.  

11.  How to contact us

If you have any comments or questions regarding our Privacy Policy, or if you want to exercise      your rights, please contact us at dividendfriends@gmail.com. We will address any issue to the best of our abilities as soon as possible, and respond to requests within the time required under applicable law.

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