Northwind International Corp., together with its subsidiaries and affiliates companies (herein “we,” “us,” “our,” “the Company”) with include but are not limited to Chip Cummings, Chip Tips, The 299 Club, The Financial Fitness Show and its official website located at, or linked to www.financialfitnessshow.com (herein, websites), The 299 Club (our premium, subscription component of www.Financialfitnessshow.com together with all of its newsletters and associated publications, including but not limited to “The Financial Fitness Show Weekly Newsletter,” “Chip Tips,” (herein “newsletters”) is committed to keeping our users, subscribers and customers (herein “you” or “your”) informed about how we use or may use the information we gather from you in the routine course of conducting business and providing you with the services and/or products which you have requested and/or purchased through any of our websites.
We ask that you read it carefully to understand how we will use and protect your personal information which you provide to us. We will not share your personal information with anyone except as specifically described within this Policy. This policy could, from time to time, be modified or changed by us. In such an event, any and all changes to this Policy will be announced simultaneously on each of our websites at least ten (10) days in advance of any change or modification. We urge you to check back periodically.
By using any of our websites or obtaining any of our products or services, you agree to the collection and use of your information as set forth in this Policy. If you do not fully agree to all of the items, terms and conditions of this Policy please do not use any of our websites, products or services.
Your use of any of our websites, products or services in any manner, affirms that you hereby agree to all the terms and conditions as set forth in this Policy.
All inquires must be submitted via USPS Certified Mail, Return Receipt Requested to:
Northwind International Corp.
5005 Plainfield Ave, NE Suite 300
Grand Rapids, MI 49525
No phone calls, e-mail or any other type of communication will be accepted or acknowledged.
YOUR E-MAIL ADDRESS AND SUBSCRIPTION TO OUR NEWSLETTERS:
A quick comment regarding our electronic newsletters: A free subscription to any of our newsletters come with our 100 Percent Spam-Free Guarantee. Our newsletters are also “Can-Spam” compliant.
The “Spam-Free Guarantee” means that your e-mail address will never be sold, swapped, rented or loaned to anyone, ever. When you subscribe to any or all of our free newsletters, you must also verify your e-mail address and subscription request by responding to a confirmation e-mail. If you do not respond to this e-mail, your e-mail address will automatically be deleted from our database.
You may opt-out (unsubscribe) at any time, either by using the online form or by sending an unsubscribe request via postal mail to the address included on every e-mail.
YOUR PERSONAL INFORMATION
This Policy will explain the following regarding use of each of our Websites:
What information that is Personally Identifiable do we collect from you?
Where do we collect that information and how do we use it?
Who collects and keeps your information?
With whom do we share your information?
How may you update, correct or delete your Personally Identifiable Information?
What are your choices regarding collection, use and distribution of your information?
What security precautions are in place to protect against the loss, misuse or alteration of your information under our control?
Cookies and Clear GIFs.
Parental consent and privacy.
What information do We collect from or about you?
In order to better provide you with many products and services, each of our websites may collect two types of information about you: Personally Identifiable Information and Non Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient and customized experience while using our Websites and/or newsletters.
Personally Identifiable Information: “Personally Identifiable Information” refers to information that lets us know the specifics of who you are. This information can be used to identify, contact or locate you. Personally Identifiable Information is requested when you register with us, order a product or service, fill out surveys, participate in contests or sweepstakes, correspond with us, or otherwise volunteer information. Personally Identifiable Information may include all or part of the following: Your name, physical mailing address, telephone number, mobile phone number, e-mail addresses and/or other identification and contact information as we may deem necessary. If you are using e-mail a friend on one of our Websites, we may ask you to provide the name, mailing address, e-mail address or other personal information. If you are making a purchase from us, we will also collect certain personal financial information such as your credit card number. We do not and will not store your credit card number.
Non Personally Identifiable Information: “Non Personally Identifiable Information” refers to information that does not identify you as a specific individual by itself or in combination with other information. We may gather certain information about you based upon where you visit on any of our Websites. This information may be compiled and analyzed on both a personal and an aggregated basis. This information may include the website’s Uniform Resource Locator (“URL”) that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol (“IP”) address. A URL is the global address of documents and other resources on the Internet. An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol (“TCP/IP”) network, such as the Internet. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Internet, allowing Internet servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop.
Where do we collect information from you and how do we use it?
Our primary goal in collecting personal information is to provide you with a superior and customized online experience. Among other things, we use customer contact information to orders, contact prior purchasers to inform them of their order status, to remind customers of events through our reminder service(s), to send our customers’ friends or loved ones greetings, e-mails or hints to send our products through a greeting, e-mail a friend or hint service, and to send service and promotional e-mails.
We may perform statistical analyses of aggregate customer behavior. This allows us to measure relative customer interest in the various areas of each of our Websites for product development purposes and to improve the design of our Websites. Any information we collect is used for our own internal purposes to improve the content and navigation of our Websites, to enhance users’ experiences when visiting our Websites, to customize the content and/or layout of our pages, and to provide the services required by an individual user. We may also use information to notify consumers about updates to our Websites, to complete user initiated transactions, to trace false orders and to contact consumers directly, or through our third-party service partners, for marketing purposes. In addition, we may seek to update you or your recipients’ personal information in our records through third party services that provide updated names, e-mails, addresses, phone numbers, birth dates and other information. We may then use this acquired information to enhance our services or marketing efforts to you or your recipients.
We gather information in the following ways:
Shopping or Viewing Content: We collect IP addresses for the purposes of system administration, to gather broad demographic information, and to monitor the level of activity on our Websites. We collect information from visitors to each of our Websites regarding the referring URL, your IP address, which browser you used to come to any one of our Websites, the country, state and telephone area code where your server is located, and the pages of any one of our Websites that you viewed during your visit.
Ordering: When you order from us, we collect Personally Identifiable Information from you. If you order one of our products or services, we will collect and maintain your name, e-mail address, mailing address, telephone or mobile number, product selections, credit card number (or check or money order information if using such payment methods while ordering via mail), order number, referring URL, IP address and a password, as well as the recipient’s name, address, telephone or mobile number and e-mail address. We collect this, and other information, as disclosed in this Policy, in order to fill your order, to communicate with you about your order, or the recipient, as appropriate, and to send you promotional materials. Before confirming your order, you will have the opportunity to review the product order form and make changes and additions to the information it contains and these changes will be automatically kept for future use. If you cancel an order or do not complete an order we may collect and use any e-mail address or other information that you have entered as we would collect and use it if you had completed an order.
When an order is placed for delivery to you by a third party we need to collect Personally Identifiable Information regarding the third party to fulfill the order. This information includes their name, address, telephone or mobile number and e-mail address.
Notices to Recipients: If you are a recipient of an order placed by a third party we may send one or more e-mails regarding the order, including regarding customer service issues. In addition, we may send you additional e-mails in compliance with applicable laws in order to promote our Websites and services and to seek your consent to opt in to receive our various newsletters, promotional e-mails and other services. If we send you e-mails notifying you of an order, or that promote our Websites and services, they will contain an opt out link or e-mail address. We may also telephone you regarding the shipment of your order.
Surveys and Polling: In order to improve our services to you, we may ask some of our customers or product recipients to voluntarily complete surveys online or via telephone, which may be collected by an independent third party. Individual survey answers are confidential, although Non Personally Identifiable Information may be collected and disclosed to third parties. If you do not wish to participate in a survey, simply decline to participate when asked.
Contests and Sweepstakes: We may from time to time conduct contests, sweepstakes or other promotions. Customers who choose to participate may be asked to provide Personally Identifiable Information. That information may then be used by us for such purposes as notifying winners and fulfilling promotional obligations as well as providing electronic newsletters and promotional e-mails for our products and/or services (which you can opt out of receiving as described more fully below).
Newsletters & Promotional e-mails: We may offer free electronic newsletters and promotional e-mails for products and/or services offered on any one or more of our Websites as a service to our prior customers from any of our Websites. We may send you newsletters and e-mails periodically listing current specials and deals from us or through our third-party service partners. However, you will have the choice to opt out of (unsubscribing) receiving newsletters and promotional e-mails for products and/or services offered on any one or more of our Websites. In order to opt out of our promotional e-mails, you must opt-out from receiving our free newsletters. Subsequent entries to our contests, sweepstakes or other promotions will reinstate your newsletter subscription and promotional e-mails. If you reinstate your subscription, you may elect to opt-out again. To opt-out or change your subscribed newsletters, please visit our newsletter management area: http://www.financialfitnessshow.com/newsletter/
Contact Information and Third-Party Data: If you contact us by telephone, e-mail or letter, we may keep a record of your contact information, correspondence or comments. If you report a problem with any one of our Websites, we may collect such information in a file specific to you. If you provide us feedback through any one of our Websites, by e-mail or by calling one of our customer service representatives, we may ask for your name and e-mail address in order to send you a reply. If other users or third parties send us correspondence about your activities or purchases on any one of our Websites, or if you are the recipient of products sent by another customer, we may keep the information in a file specific to you. We store this information for the purpose of sending one or more e-mails in connection with such an event.
Who is collecting your information?
In addition, we may employ one or more third-party service partners that track the traffic on our Websites. However, the only information that may be gathered by such third parties is Non Personally Identifiable Information with the exception of e-mail addresses. For more information about how our third party service partner tracks traffic on our Websites, as well as information on how to opt-out of certain aspects of such tracking, please click here: http://www.google.com/privacy_ads.html
With whom do we share your information?
We do not sell, trade or rent your Personally Identifiable Information collected on our Websites (or any other means) to others. The information collected by our Websites is used to process orders, to keep you informed about your order status, to notify you of products or special offers that may be of interest to you, and for statistical purposes for improving our Websites. We will disclose your Personally Identifiable Information to third parties for tracking purposes, to charge your credit card (or process your check or money order, as appropriate), fill your order, improve the functionality of our Websites, customize our marketing efforts with you and perform statistical and data analyses, deliver your order and deliver promotional e-mails to you from us. These third parties may not use your Personally Identifiable Information other than to provide the services requested by us.
We may provide aggregated statistics about our customers, sales, traffic patterns and related Site information to third parties that do not include Personally Identifiable Information. Moreover, we may release account information when we believe that such release is reasonably necessary to enforce or apply our Terms and Conditions of Use or to protect the rights, property and safety of our users, others and ourselves.
Enforcement of Law: From time to time, we may be required by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information only upon receipt of a court order or subpoena or to cooperate with a law enforcement investigation. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful.
Merger and Acquisitions: In the event of a merger, consolidation or sale or transfer of all or substantially all of the assets or business of any one or more of our companies or Websites, one of the assets that would generally be transferred is the information we collect from our customers (including both financial records and consumer information). However, the use of this information by any successor entity would still be governed by the terms of this Policy, as amended from time to time, including any amendment after such transaction, and you will continue to have the right to opt out of sharing your information with third parties.
How can you update or correct your Personally Identifiable Information?
During the online ordering process you can review, change or delete the information that you have submitted. You may change any of your personal information in your account(s) online at any time. You may ask us in writing via postal mail to have the information on your account deleted, updated or corrected; however, because we keep track of past purchases, you cannot delete information associated with past purchases. Note that we may retain changed or deleted information for archival or other purposes.
What are your choices regarding collection, use and distribution of your information?
We may from time to time send you e-mail or other communications regarding current promotions, specials and new additions to our Websites. If you have supplied us with your telephone number(s) you may receive telephone calls from us with information or requests for information regarding an order you have placed. You may opt out, or unsubscribe from our newsletters at our newsletter management area: http://www.financialfitnessshow.com/newsletter/. If you make a purchase or an attempted purchase on one of our Websites or enter one of our contests or sweepstakes, you will be opted back in to our newsletters and promotional communications until you opt out or unsubscribe once again.
If you are using the e-mail a friend service on one of our Websites, then you may have the option of sharing your Personally Identifiable Information and Non Personally Identifying Information, as well as information that you have entered regarding third parties, with others. If you share this information with third parties, these parties are not bound to follow this Policy and may disclose or use this information in ways we will not.
What security precautions are in place to protect against the loss, misuse or alteration of your information?
We employ reasonable security measures to protect the security of the information you submit to us. The importance of security for all Personally Identifiable Information associated with our customers is of utmost concern to us. Our secure servers protect this information using password protection and advanced encryption, and we may use firewall technology for additional protection.
In order to most efficiently serve you, credit card transactions are handled by established third-party banking institutions and process agents. With few exceptions, our order fulfillment is done by our own employees (personalized and/or customized products are typically fulfilled by those third-party vendors). In the case of third-party fulfillment, they receive the information they need to create and ship your order. When collecting credit card information for online purchases, we offer secured server transactions that encrypt your information in transit to thwart someone from intercepting it and misusing it. We do not store your credit card number. Furthermore, all of the customer data we collect is protected against unauthorized access by physical security means.
We also encourage our partners and service providers to adopt and follow stringent consumer privacy policies.
Like many other commercial websites, our Websites utilize standard technologies called “cookies” to collect information about how each of our Websites is used. A cookie is a small data text file, which a website stores on your computer’s hard drive (if your web browser permits) that can later be retrieved to identify you to us. Cookies were designed to help a website recognize a user’s browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie cannot be read by a website other than the one that set the cookie. Cookies can securely store a customer’s password, personalize home pages, identify which parts of a site have been visited or keep track of selections, such as those selected in a “shopping cart.” For instance, cookies allow us to pre-populate (or fill in) an e-mail field with your e-mail address if you revisit one of our Websites and place an order. A cookie cannot retrieve any other data from your hard drive, pass on a computer virus, or capture your e-mail address.
We send a cookie to your hard drive when you make an order to record the product name, category of product that you ordered, the amount paid, the order number and any referral codes. No Personally Identifiable Information is recorded. When you click through to any one of our Websites from a promotional e-mail, our third-party advertising service partner may send a cookie to your hard drive recording your IP address and other related information.
Children, parental consent and privacy.
The Children’s Online Privacy Protection Act took effect on April 21, 2000, and imposes certain requirements on websites directed toward children under 13 that collect information on those children, or on websites that know they are collecting Personally Identifiable Information from children under the age of 13. We want to let you know that it is our policy not to collect Personally Identifiable Information from any person under 13 because children are not permitted to use the Websites or services on the Websites, and we request that children under the age of 13 not submit any personal information to us via the Websites. As one measure to ensure that we do not gather Personally Identifiable Information from children, we require that all individuals provide a valid credit card number before completing a purchase order. If we learn that we have inadvertently gathered Personally Identifiable Information from children under 13, we shall attempt to notify such child’s parent or guardian and erase such information from our records, unless the child’s parent or guardian consents to our maintaining such information.
THIRD PARTY WEBSITES
You should carefully review privacy policies of any third-party websites accessible from any of our Websites and any co-branded websites which are not covered by this Policy.
We also may have co-branded websites that are maintained by us in connection with one or more of our third-party business partners but which do not contain this Policy or a link to this Policy. When you submit information to one of these co-branded websites you may be submitting it to both Provide Commerce and our third-party business partners or just to our third-party business partner. Note that these co-branded websites may contain, or link to, privacy policies that contain terms and conditions different than those contained in this Policy. Again, this Policy only pertains to the information Provide Commerce collects and we are not responsible for the privacy policies or practices of our business partners. We encourage you to read the privacy policies of those co-branded websites so that you will always know what information we gather and what information is gathered by our third-party business partner, how each of us might use that information, to whom each of us will disclose it and what choices you have.
We also use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, e-mail address, or telephone number) about your visits to this and other websites in order to 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 these companies, or to opt-out, click here.
MEMBER ACCOUNT, PASSWORD AND SECURITY:
In order to become a member of The 299 Club, the premium content subscription based element of http://www.financialfitnessshow.com/, you must fully complete the registration process by providing complete and accurate information as required within the online registration form. After you have fully completed the registration form, you will then choose a password and a member name. The combination of your e-mail address and user name you enter at the time of registration form a unique identifier for your account. If The 299 Club does not recognize you from a previous sign in, you will be asked to enter the e-mail address that we have on file to help us locate your account. It is your responsibility to maintain the confidentiality of your password and account. You are solely responsible for any and all activities that occur under your account. You agree to notify The 299 Club immediately of any unauthorized use of your account. The 299 Club is not liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.
In connection with your paid membership, you hereby agree that The 299 Club has the right to e-mail your first renewal notice to the e-mail address that you provided and we have on file for your membership account, and you consent to receive this e-mail renewal notice. After receipt of this first e-mail renewal notice, you will be given the opportunity to Opt Out from receiving any future e-mail renewal notices for the remainder of the term of that membership period to The 299 Club.
You may e-mail your requests for customer service to us here, or you may call our Customer Service Center at 616-977-7900, from 8AM to 5PM Eastern Time, Monday through Friday.
THE COMPANY AND/OR ITS RESPECTIVE LICENSORS, AFFILIATES AND SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN OUR WEBSITES FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. THE COMPANY AND/OR ITS RESPECTIVE LICENSORS, AFFILIATES AND SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
YOU SPECIFICALLY AGREE THAT THE COMPANY SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OR INTERCEPTION OF YOUR PERSONAL INFORMATION/DATA, TRANSMISSIONS OR OTHER DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH OUR WEBSITES. YOU SPECIFICALLY AGREE THAT OUR COMPANY AND /OR OUR WEBSITES ARE NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN OUR WEBSITES BY ANY THIRD PARTY. YOU FURTHER AGREE THAT THE COMPANY AND/OR AND/OR ITS RESPECTIVE LICENSORS, AFFILIATES AND SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO OUR WEBSITES AND/OR MAY DISCONTINUE ANY PART OF OUR WEBSITES AT ANY TIME.
Our Websites may, from time to time, change the terms and conditions governing this Web site. It is therefore important that you regularly review these terms and conditions to learn of any changes which may govern your use of this Web site. Your continued use of Kim’s Club constitutes your continued agreement to all such terms and conditions and/or changes hereto.
All issues and questions concerning Policy shall be governed in accordance with, and under the laws of, the State of Michigan or applicable United States Federal Law, without giving effect to any choice of law or conflict of law, rules or provisions (whether of the State of Michigan or any other jurisdiction), that could or would cause the application of the laws of any jurisdiction other than the State of Michigan.
Should any litigation arise out of the operation of this Policy, you hereby specifically agree and concede that the court which shall have first jurisdiction in any legal matters pertaining to this Policy shall be a court of appropriate jurisdiction which shall be located within Kent County, Michigan, USA.
You further specifically agree that any and all claims and/or causes of action which could or shall arise out of, or in connection with this Policy shall be resolved individually, without resort to any form of class action, and that any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event shall such damages include attorneys’ fees. You (or parent/legal guardian if user is a minor) hereby waives all rights to punitive, incidental, consequential, or any other damages other than actual out-of-pocket expenses. You (or parent/legal guardian if user is a minor) shall not claim or receive any damages subject to being multiplied or otherwise increased.
In the event that any rule or any provision of this Policy is, or shall be found to be in conflict with any state, municipality or government statute, law, ordinance, code or rule, then that Policy rule (or rules) shall be deemed changed as necessary to conform to all laws, statues and/or governmental regulations and the like, if possible. In the event that any provision of this Policy shall be found to be invalid or in conflict with any state, municipality or government jurisdiction, neither the validity or enforceability of any other portion of aspect of this Policy shall be affected in any way whatsoever and the reminder shall remain in full force and effect until cancelled, modified or replaced by the Company.
From time to time the Company may offer certain prize giveaways, contest and sweepstakes. All prize winners in our giveaways, contest and sweepstakes specifically agree to the use by the Company, prize suppliers and/or our sponsors, of your name and photograph in the prize winners’ lists and for other promotional purposes to be determined by the Company. Your photograph, full name, city and state of residence, local radio station information, face, voice and/or likeness may be used on the air, in print or in electronic publication as we deem appropriate and in entering and /or accepting any prize, you hereby grant us the right to do so without further notice to you. Information such as your telephone number and street address and/or email address will not be made public. Winners further specifically agree that use by the Company, prize suppliers and/or sponsors of their name, voice, face or likeness or use of their descriptions in any way and through any means now known or later devised, shall not be deemed a violation of their privacy or individual intellectual property rights or any other rights. The validity and operation of this rule shall continue past the duration of any and all prize giveaways, contest and sweepstakes and shall survive (and winners agree to be bound by this rule) in perpetuity.
Last modified on: 9/19/2013