Last updated: July 1st, 2024
Registration and Other Information Provided to Us
Personal Information We Collect Online
Personal Information means the information you provide via forms, surveys, applications or other online fields, including but not limited to the following: any information constituting PII, your name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.
When you submit Personal Information and/or PII to us (which may include among other information your first name, last name, email address, zip code, contact phone number, other information provided by you such as your date of birth or household income), you acknowledge and agree that we may share this information with third party service providers offering various products and/or services in which you were interested in or have requested additional information about. You also acknowledge and agree that the Personal Information provided may also be used for cross-marketing purposes with third party affiliates and to provide you with offers that may be of interest or benefit to you based upon your initial request. Our affiliates and/or third-party companies may use your email address for their own marketing use.
We may also share information that is not considered PII collected from you, consisting of general information about our user base with our advertising affiliates who drive traffic to our website to help them identify and target our ideal customer. We may also share your contact information with third parties who may contact you for a free, no-obligation consultation about services that may be of interest to you based on your interaction with our Site. For your reference, a non-exclusive list of third party companies with whom we may share your information is here
If you prefer that we not share your PII or additionally collected information with third parties for direct marketing purposes, you may opt out of such sharing by emailing us your request at[email protected]
Other Information is any information, other than Personal Information or PII, which does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, and aggregated and de-identified data. In the event that information collected through cookies, pixel tags and other technologies, demographic information is determined to contain PII, you understand and agree that Kalm Financial may use and transfer such PII in accordance with the terms governing PII in this Notice.
Third party widgets - We may allow use of certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as the user’s social media platform. You understand and agree that the third parties’ widgets may give access, and the third parties may be granted access, to certain information about your browsing on pages of our Sites where these widgets are placed. You understand that we do not have control on the information to which the third parties receive access and you may wish to review the privacy information at the third-party site to determine how these third parties collect and treat such information.
Retargeting - As you browse kalmfinancial.com, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners enable us to present you with retargeting advertising on other sites based on your previous interaction with kalmfinancial.com and affiliated pages and sites.
Google Interest Based Advertising Program - In order to enhance your experience when you visit our Site, we participate in the Google Interest-based Advertising Program (“Program”) to ensure the advertisements on this Site correspond to your interests. We do this by working with Google and other Program participants who, like us, place ads on our Site and those of other Program Participants. We then share the information we collect using Web Cookies placed in your browser in order to provide you with targeted advertising when you visit the Site. You may opt out of Google’s use of cookies by visiting the Google Advertising Opt-Out Page.
Third-Party Web Beacons - We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit https://yahoo.mydashboard.oath.com/device.
The Facebook Companies - Facebook owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within the family of companies to assist in advertising our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, PII or additionally collected information, please visit the following links:
Opt-Out Policy for Newsletter and Email Subscriptions - You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.[email protected]
We may make available a service through which you can receive communications your wireless device via short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. By providing your contact information, you affirmatively represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you understand that such communication may be subject to certain applicable charges, and that you approve all such applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our SMS confirmation and all subsequent SMS correspondence. All charges for data rates are billed by, and payable to, your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. We will not be liable if SMS are received after hours due to such transmission delays. SMS message services are provided on an AS IS basis. We may also obtain the date, time, and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. We may provide your carrier with your applicable information in connection with your consent to receive SMS. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. We will not be liable for any data use or misuse by your wireless carrier.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.
By providing your phone number and/or joining our SMS Service, you expressly authorize us to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You may choose to opt-out and remove your authorization to receive such calls and/or text messages by emailing us your instructions at [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying or sending “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to the Company. [email protected]
At Kalm Financial, the security of your personal information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
Kalm Financial advertises online through various methods (e.g., pages within our Sites and mobile apps through company managed social media presences, and/or through other sites and mobile apps not affiliated with Kalm Financial) and offline through various methods (e.g. through call centers, and direct marketing). In order to understand how advertising performs, we may collect certain PII and additionally collected information on our Site or through other sites and mobile apps through our advertising service providers or partners using cookies, IP addresses, and other technologies. The collected information may include, but is not limited to, the number of page visits, pages viewed on our Site, search engine referrals, browsing activities over time and across other sites following your visit to one of our Site or apps, and responses to advertisements and promotions on the Site and on sites and apps where we advertise.
Kalm Financial uses the PII and additionally collected information (as applicable) described in this Notice to help advertise our products and services in a variety of ways. We may use such information to:
You may change your choices for advertising in the following ways:
Online Behavioral Advertising by Kalm Financial Sites: If you prefer that we not use information based on online Site behavior to provide online and offline tailored content and advertising, you may opt out of online behavioral advertising by emailing us your request at [email protected]
Online Behavioral Advertising by Third Parties: Apart from setting your browser not to allow cookies from our Site or changing your Privacy settings on other sites, such as those operated by the Facebook Companies, you cannot opt out of online behavioral advertising by third parties using pixel tags, web beacons and/or clear GIFs on our Site.
Kalm Financial Managed Direct Marketing: If you prefer that we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices by emailing us your requests at [email protected]
In order for opt outs from online behavioral advertising on our Sites and on other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name (if applicable), or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt-out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
We may provide links to third-party sites. If you follow links to sites not affiliated or controlled by Kalm Financial, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. Kalm Financial does not guarantee and is not responsible for any interaction between you and the third-party sites, including but not limited to the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You acknowledge that the availability of third-party site links is merely for convenience purposes, and that Kalm Financial does not endorse, support, acknowledge, agree with, or otherwise promote the contents of the third-party sites linked to our Site.
Kalm Financial provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Kalm Financial managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. By allowing you to post or share information on Kalm Financial's social mediate pages, you acknowledge that Kalm Financial does not endorse, support, acknowledge, or otherwise agree with the posted information and any such posts shall be your sole responsibility. You also agree that Kalm Financial may use any information posted by you on Kalm Financial’s social media for any purpose provided in this Notice. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Kalm Financial social media pages, you are also subject to Kalm Financial's Privacy Notices.
You understand and agree that Kalm Financial presumes that the Personal Information you provided is, indeed, accurate. Kalm Financial will not be responsible for verifying that Personal Information. It is your responsibility to ensure the information provided is accurate and up to date. If you have previously submitted information which is incomplete, inaccurate or not current, please email or write us at the appropriate address with updated information which you would like us to use in our communication with you.
You understand and agree that if Kalm Financial goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal Information, PII, and additionally collected information will likely be among the assets transferred.
Residents of the State of California may request a list of all third-parties to which we have disclosed personal information during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at [email protected]
With certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Kalm Financial will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through our website (www.kalmfinancial.com) or or at Kalm Financial LLC, 3220 Tillman Drive, Bensalem, PA 19020. [email protected]
For all such requests, you must put the statement “California Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.
California Do Not Track DisclosuresHow do we respond to Web browser “do not track” (also referred to as “DNT”) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer's online activities over time and across different websites when they visit www.kalmfinancial.com? www.kalmfinancial.com
Yes, as disclosed in this Privacy Policy.
We are providing you this Notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].
We are providing you this Notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].
This Online Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice. We do not sell, offer, or otherwise provide services to individuals outside of the United States.
The Site is not directed to individuals under the age of Eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Site. We do not knowingly collect information from children under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any PII to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected PII from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided Kalm Financial with PII in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy
This Online Privacy Notice is subject to change at the sole discretion of Kalm Financial. Please review the Privacy Policy periodically to see if there are any changes. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. You agree that your use of the Site following any changes to this Notice means that you accept the revised Notice and the Privacy policies therein.
e-mail: [email protected] or 1.844.802.0062 or write us at:
e-mail: [email protected] or 1.844.802.0062 or write us at: Kalm Financial LLC, 3220 Tillman Drive Bensalem PA 19020. PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.
(844) 802-0062