Privacy Policy
Overview
The
Destiny Now, LLC takes your privacy very seriously. We are committed
to your privacy and security and want to provide you with the best
possible online experience. To that end, we want you to understand
what kinds of information we gather from you, how this information
is used and safeguarded, and how you can control its use. Please
read the following to learn more about our privacy policy. This
privacy policy applies to the use of the 10stepstomoney.com websites
by consumers ("you") who are customers of Destiny Now, LLC and its
subsidiaries, and affiliates (collectively, "Destiny Now, LLC",
"we", "us" and "our"). This privacy policy may be updated from time
to time, so please check back frequently.
Table of Contents
- A Special
Note About Children
- Information
We Collect
- Information
Sharing and Usage
- Registration
- Tools
- User
Requested Services
- Solicited Information
- User-Initiated Communication
- Referrals
- Cookies
- Automatically Gathered Data
- Opting-Out
- Editing and
Deleting Your Account Information and Preferences
- Security
- Scope of
This Privacy Policy: Outside Links
- Notification
of Changes
- Questions or
Comments
A Special Note About Children
Children are not
eligible to use our services and we ask that minors (under the age
of 18) do not submit any personal information to us. If you are a
minor, you can use this service only in conjunction with your
parents or guardians.
Information We Collect
The kinds of
information we collect from you will vary, depending on how you use
the 10stepstomoney.com websites. It’s possible to browse the
10stepstomoney.com websites without submitting any Personally
Identifiable Information (“personal information”) at all, but if you
choose to take advantage of some of our products and services, you
may be asked to provide information such as a user name and
password, your full name, e-mail address, phone number, address, or,
for certain financial products or services, your Social Security
number and banking information, and for certain e-commerce
transactions your credit card information. Whenever we ask for this
kind of information, we strive to provide a link to this Privacy
Policy to help you understand how your personal information will be
used before you decide whether to disclose it.
In addition to
the personal information you choose to submit, our systems are set
up to gather certain anonymous data to help us to better understand
how the 10stepstomoney.com websites are being used and how we can
improve them. This automatically gathered data includes your
computer’s Internet Protocol (“IP”) address, statistics about how
visitors navigate through the 10stepstomoney.com websites and
information provided through the use of “cookies” (which is
described in more detail below).
As you visit the
10stepstomoney.com websites, be aware that third parties may at
times be able to gather information from and about you. For example,
third party advertiser servers, companies that place advertisements
on the 10stepstomoney.com websites and companies offering products
or services through the 10stepstomoney.com websites may use cookies
to collect and use information about you and may collect information
that you submit. In these cases, the third parties will use such
information according to their own privacy policies that may differ
from this Privacy Policy.
Information Sharing and Usage
The use of your
information depends on the context in which it is collected.
Therefore, pay special attention to the categories below that relate
to the features of the 10stepstomoney.com websites that you wish to
utilize. In addition to using your personal information as set forth
below, note that we may disclose the information that we collect
about you when we have reason to believe that it is necessary to
identify, contact or bring legal action against persons or entities
who may be causing injury to you, to us or to others, and may also
disclose such information when we believe that the law requires it,
such as identifying (but not limited to) violations of our Terms of
Use. Also be aware that 10stepstomoney.com may at times be legally
compelled to disclose certain information, by means such as
subpoenas or court orders.
We may link
information collected from you through various means, including
information collected automatically and through the use of cookies
and purchase information, or other personal information you provide
to help us offer content, advertisements, products and services that
we believe will be of interest to you, and this information may also
be shared among the 10stepstomoney.com websites. In addition, we may
share this information, in aggregate form, with our current and
potential advertisers so they can present advertisements more
effectively.
If you have
indicated that you want to be contacted by third parties, we may use
the information we collect to select which names to provide to a
particular third party in order to present you with products and
services that we believe will be of interest to you, but we will not
disclose this type of information, other than your Contact
Information (information that provides a means of contacting you),
to any such third party.
10stepstomoney.com websites may use anonymous data automatically
gathered by our servers so that we can understand how to make the
10stepstomoney.com websites more convenient and useful to our
audience. This information may also be shared among the
10stepstomoney.com websites and used for similar purposes. In
addition, we may share this information, in aggregate form, with our
current and potential advertisers or marketing allies so they can
try to present advertisements and content more effectively. We may
also use aggregate information to share information with the public
regarding products, services, content or tools that may of interest
to them.
If we sell off a
division, merge with another company or spin off a business, your
information may be included in such a transaction. However if such a
transaction occurs we will notify you of the event and give you an
opportunity to respond.
Registration: The personal information you provide when you become a registered
user of one of the 10stepstomoney.com websites is used primarily to
help us customize your online experience. This personal information
may also be shared among the 10stepstomoney.com websites to make
your use of the 10stepstomoney.com websites more convenient by, for
example, limiting the number of times you have to register with us.
Your e-mail address serves as a unique identifier in our record
system, and it is used together with your password to prevent
unauthorized access to any information you choose to store on the
10stepstomoney.com websites. The data you give us about your
personal preferences and demographics (e.g., your age, ZIP code,
occupation or the like) may be used to help us offer content,
advertisements, products, and services that we believe will be of
interest to you. In addition, we may share this information, in
aggregate form, with our current and potential advertisers so that
they can present advertisements more effectively. If you forget your
password for any registered area of the 10stepstomoney.com websites,
we have an automated password recovery system, which can be accessed
by clicking on the “Forgot Password?” link on the sign in page.
Please note that we do not knowingly accept or store any Personally
Identifiable Information about any individual under the age of 13
under any circumstances. If we become aware that Personally
Identifiable Information regarding an individual under the age of 13
has been stored, we will promptly delete it from our records (see A
Special Note About Children for more information). Unless you
specify that you'd prefer not to hear from us, we may also use the
e-mail address you provide at the time of registration to contact
you for promotional or other purposes. You may have these
communications terminated at any time. If you indicate that you're
interested in hearing from other companies, we may also share your
Contact Information with such companies for that purpose. We may
have to contact you now and then to inform you of changes to your
service, a change in this Privacy Policy or other administrative
purposes. These administrative e-mails will not contain any
advertisements.
Tools: The 10stepstomoney.com websites allow you to use many helpful tools,
such as financial calculators, real estate search tools and other
tools most of which will not ask you to disclose any personal
information. These tools are for your benefit, and the information
you submit when you use them (typically impersonal data) is not
disclosed to anyone or used for any purpose other than to provide
you with the service you’re seeking. However there are several
online tools where we may ask your permission to use the personal
information you enter in order to offer services, products or
information that we believe may be of use to you or to merge such
information into your profile registration.
User-Requested Services: You may choose to request products or services of a more substantial
or personal nature when using the 10stepstomoney.com websites. For
example, you may apply for a loan, request our help in locating a
home, store your preferences for convenience in using the
10stepstomoney.com Websites or make an online purchase or payment.
The information you provide when seeking these services may be used
in the following ways:
- For services
provided by the 10stepstomoney.com websites, the information you
submit is used by us to provide the service you’ve requested. We
may also share this information with subcontractors, but only to
the extent necessary to fulfill your request or to facilitate
your use of their services. For instance, we may use your
information on 10stepstomoney.com websites to pre-populate a
form to be sent to the provider of a service you request, but
the information will not be transmitted for use in providing the
service by that provider until you choose to submit the
information to them. In addition, we may use the contact
information and non-financial information you’ve supplied, such
as your e-mail address, as set out in the registration section,
above. Further, we may, with your permission, contact you by
phone to request additional information to help you find
products and services that we believe you will find useful. You
are not required to cooperate with any telephone requests if you
do not wish to take advantage of our products or services. If
the service you request requires submission of financial
information, such as a credit card number for an online
purchase, rest assured that this financial information is used
only for processing your payment, and is not retained after
completion of your order. We may, however, store your
non-financial order information for accounting purposes and to
help us understand your preferences better, so that we can offer
you products or services in the future that you may find useful.
- For products
and services offered to you jointly by us and a third party,
your personal information may be shared with or independently
gathered by the third party. In these situations, the
10stepstomoney.com websites will only use your personal
information as outlined in this Privacy Policy, but the third
party may use the information in different ways. You can tell
when a product or service is offered by a third party, because a
page of the 10stepstomoney.com websites will be "co-branded" and
will display the third party’s logo and/or name along with our
own, or you will be linked to the third party’s site to complete
the transaction. Please be aware that each company we do
business with has its own policies regarding the use and
protection of your information that may differ from those
outlined in this Privacy Policy. If you are concerned about how
your personal information might be used or protected by a third
party, we encourage you to become familiar with its Privacy
Policy before using the service or requesting the product.
- From time to
time, we may wish to use personal information you provide when
requesting a product or service for purposes beyond those listed
above. If this is the case, you will always be notified of the
additional use prior to your submitting the personal
information, and you’ll be given a chance to opt-out of that use
or to not complete the request for the particular product or
service.
Solicited
Information: You may occasionally see contests, surveys and other features of the
10stepstomoney.com websites that ask you to provide us with personal
information. When you choose to respond to these requests, the
personal information you offer may be used for several purposes.
These include the uses set out in the registration section above.
They also include providing information to third parties as
necessary for prize fulfillment and other aspects of any contest,
sweepstakes, game or other promotion. If we are going to use your
personal information for any other purpose, we will notify you of
that purpose and give you a chance to opt-out before responding to
our survey or participating in our contest, sweepstakes, game or
other promotion. Any contest, sweepstakes, game or other promotion
that is accessible through the Site is governed by specific rules.
By entering any such contest, sweepstakes, game or other promotion,
you will become subject to those rules. We urge you to read the
applicable rules, which are linked from the particular contest,
sweepstakes, game or other promotion.
User-Initiated Communication: Portions of the 10stepstomoney.com websites enable you to send
e-mail to us or to third parties and to participate in public
bulletin boards and discussion groups. All postings to public
bulletin boards and discussion groups become our property. Whenever
you choose to initiate these kinds of communication with us, or
anyone else, you may expect to be contacted in return. Also,
remember that our bulletin boards and discussion groups are open to
the public, and therefore, your postings can be seen by anyone and
are not protected by us or any other entity. Please use your own
discretion when deciding what to post publicly and whom to contact.
We reserve the right, in our sole discretion, to edit or delete
inappropriate postings from our bulletin boards and discussion
groups; provided, however, the reservation of this right shall not,
under any circumstances, obligate us to conduct such editing or
deletions.
Referrals: If you participate in any referral service we may offer, we will use
the information you submit to determine which of our participating
professional(s) may be able to serve your needs. We may then forward
your name, Contact Information and other responses contained on our
sign-up form to the selected professional(s), who may then contact
you using that information. Any information you provide also may be
used by us in accordance with the uses set out in the registration
section, above. In some cases we may store these communications to
participating professionals or other third parties, but solely for
the purpose of assisting the professional in tracking their
communications.
Cookies: Cookies are small files that we send to and store on your computer
so that we can recognize it as a unique machine the next time you
visit the 10stepstomoney.com websites. Our cookies are used for
three purposes: (1) to keep track of your information for your own
convenience; (2) to help us optimize your online experience by
altering our content depending on your particular needs or browsing
patterns, and to provide you with advertisements, products and
services that we believe will be of interest to you; and (3) to help
us understand the size of our audience and their traffic patterns
within the 10stepstomoney.com websites. Some of our advertisers and
third-party ad servers may also utilize their own cookies. Also,
companies offering products or services through the
10stepstomoney.com websites may use their own cookies.
Automatically
Gathered Data: The information gathered automatically by our system—such as your
computer's IP address, the kind of browser you’re using, and a
record of your navigation through the 10stepstomoney.com websites
may be used to help us understand how to make the 10stepstomoney.com
websites convenient and useful to our audience. This information may
also be shared among the 10stepstomoney.com websites and used for
similar purposes. In addition, we may share this information, in
aggregate form, with our current and potential marketing allies and
advertisers so they can know how to present their advertisements
more effectively. When such data is aggregated, all Personally
Identifiable Information is eliminated.
Reading this
Privacy Policy should help you understand how any information you
share with us might be used. If you feel concerned about any of
these uses, you might elect not to participate in certain services,
features or products that we offer. We will never collect personal
information about you without your knowledge, so the decision
whether or not to share this information is completely up to you.
Opting-Out
You also have
the ability to terminate e-mail correspondence from us at any time.
You may be given the chance to opt-out of direct mailings when you
disclose your e-mail address to us. Further, you can to
"Unsubscribe" and we will promptly remove you from our email lists.
Editing and Deleting Your
Account Information and Preferences
To view, edit or
delete the personal information you submitted on the
10stepstomoney.com websites during registration, follow the
instructions found in the "My Profile" or "Edit Your Profile" area
of the 10stepstomoney.com websites where you registered.
Security
The
10stepstomoney.com websites have implemented the following
protective measures to protect your personal information against
loss, misuse or alteration:
- Whenever
personal information about you is stored on our computers, that
information is kept on servers that are located behind a
"firewall" and password-protected to prevent unauthorized access
or use.
- Since your
Social Security and financial information is especially
sensitive, we take special care to keep it secure. We will only
transmit or ask for this information over secure Internet
connections, using SSL (Secure Sockets Layer) encryption—the
currently accepted standard for online security—and security
keys. In addition, we require password authentication from any
third parties you've authorized to receive this information.
Finally, your Social Security number, credit card number, and
financial information are never stored on our servers. While
this means you may have to enter this information more than
once, we believe the added security is well worth the extra
effort.
- Of course,
we appreciate your help in safeguarding the integrity of your
own and others' privacy. We hope you'll use common sense
whenever you disclose personal information over the Internet.
Scope of This Privacy Policy:
Outside Links
This Privacy
Policy only applies to the 10stepstomoney.com websites. The
10stepstomoney.com websites contain links to sites operated and
maintained by third parties over which we have absolutely no
control. Please be aware that these sites may collect information
about you, and operate according to their own privacy practices that
may differ from this Privacy Policy. Remember that once you’re
outside the 10stepstomoney.com websites, any information you submit
is outside of our control.
Notification of Changes
This Privacy
Policy is effective as of the date first written above and may be
updated and modified from time to time by us in our sole discretion.
If we choose to update or modify this Privacy Policy, such updated
or modified policy shall become effective upon its posting on the
10stepstomoney.com websites. Accordingly, we encourage you to
periodically review this Privacy Policy and the Site in order to
keep apprised of our current privacy practices. If you do not agree
to any provision of this Privacy Policy, or any update or
modification thereto, please do not use the 10stepstomoney.com
websites.
Questions or Comments
If you have
questions or concerns about our Privacy Policy, please feel free to
contact us at:
Destiny Now, LLC
ATTN: Privacy Administrator
33006 7 Mile Rd., Suite 423
Livonia, MI 48152
734-422-0419 |
