Pathwise, Pathwise Group & Pathwise Financial Wellness Privacy Policy

Introduction

Pathwise, Pathwise Financial Wellness and The Pathwise Group (“Company” or “We“) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.pathwisegroup.com/ (our “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information.

This policy applies to information we collect:

  • On this Website.
  • In e-mail, text and other electronic messages between you and this Website.
  • In any engagement or interaction between you and Pathwise outside of this website.

It does not apply to information collected by:

  • us offline or through any other means, including on any other website operated by Company or any third party; or
  • any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Individuals Under the Age of 18

Our Website is not intended for individuals under 18 years of age. No one under age 18 may provide any personal information to or on the Website. We do not knowingly collect personal information from individuals under 18. If you are under 18, do not provide any information on this Website or on or through any of its features, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or username you may use. If we learn we have collected or received personal information from an individual under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about an individual under 18, please contact us at contact@pathwisegroup.com.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

  • by which you may be personally identified, such as name, postal address, e-mail address or telephone number (“personal information”); or
  • about your internet connection, the equipment you use to access our Website and usage details.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies.

Information You Provide to Us. The information we collect on or through our Website may include:

  • Information that you provide by filling in forms on our Website. This includes information provided at the time of requesting further information.
  • We may also ask you for information if you report a problem with our Website.
  • Records and copies of your correspondence (including e-mail addresses) if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Your search queries on the Website.

Usage Details, IP Addresses and Cookies. As you navigate through and interact with our Website, we may automatically collect certain information about your equipment, browsing actions and patterns, including:

  • Details of your visits to our Website, including traffic data, location data, logs and other communication data and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system and browser type.

The information we collect automatically is statistical data and does not identify any individual. It helps us to improve our Website and to deliver a better and more personalized service by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
  • Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings that are used for browser cookies.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Website and its contents to you.
  • To provide you with information, products or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To notify you about changes to our Website or any products or services we offer or provide though it.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.

Disclosure of Your Information

With your consent, we may disclose aggregated information about our users and information that does not identify any individual.

We may disclose personal information that we collect, or you provide as described in this privacy policy:

  • To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by the Company about our Website users is among the assets transferred.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

We may also disclose your personal information:

  • To comply with any court order, law or legal process, including to respond to any government or regulatory request.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others.

At no time do we sell your data or information to any party.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

Promotional Communications

You may opt out of receiving promotional messages from Pathwise by following the instructions in those messages. If you decide to opt out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

Your California Privacy Rights

Under California Civil Code Section § 1798.83, residents of California have specific rights regarding their personal information. This California Privacy Rights Notice outlines those rights and how California residents can exercise them.

1. Right to Know:

  • California residents have the right to request information about the categories of personal information we have collected, disclosed, or sold about them in the past 12 months.
  • To make a request for this information, please contact us using the contact details provided at the end of this notice.

2. Sale of Information:

  • Pathwise does not sell or disclose personal information to third parties for monetary or other valuable consideration.

3. Right to Non-Discrimination:

  • California residents have the right not to be discriminated against for exercising their privacy rights under the California Consumer Privacy Act (CCPA).
  • We will not discriminate against you for exercising your privacy rights, including by denying you access to goods or services, charging you different prices or rates for goods or services, or providing you with a different level or quality of goods or services.

4. Authorized Agent:

  • California residents may designate an authorized agent to make requests on their behalf under the CCPA. An authorized agent must be registered with the California Secretary of State and provide written authorization to act on your behalf.
  • If you would like to designate an authorized agent, please contact us using the contact details provided at the end of this notice.

5. Exercising Your Rights:

To exercise any of the rights listed above, please contact us using the following methods:

  • Email: contact@pathwisegroup.com
  • Mail: 410 Central Ave., Suite 414, Great Falls, MT 59401

Please note that we may need to verify your identity before fulfilling certain requests. We will respond to your request within the timeframes required by law.

This California Privacy Rights Notice is part of our overall Privacy Policy and is intended to provide California residents with specific information about their rights under the CCPA. If you have any questions or concerns about this notice or our privacy practices, please contact us using the contact details provided above.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: contact@pathwisegroup.com or 406-952-0096.