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Ready to make your 401(k) and retirement savings work harder for you? Explore expert strategies and trusted advisors to help you grow and protect your wealth.
Ready to make your 401(k) and retirement savings work harder for you? Explore expert strategies and trusted advisors to help you grow and protect your wealth.
Effective Date: SEPTEMBER 2024
At ChooseYourPath.online ("we," "us," or "our"), we value your privacy and are committed to protecting the personal information you provide while using our website, ChooseYourPath.online (the "Site"). This Privacy Policy explains how we collect, use, share, and protect your personal information, and describes your rights and choices regarding your information.
By using our Site and submitting your information, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Site.
1. Information We Collect
We may collect the following types of information from you:
2. How We Use Your Information
We use the information we collect for the following purposes:
3. How We Share Your Information
We may share your personal information with the following parties:
4. Cookies and Tracking Technologies
Our Site uses cookies and similar tracking technologies to enhance your browsing experience, improve our services, and understand how you use our Site.
You can adjust your browser settings to refuse cookies, but doing so may affect the functionality of our Site.
5. Your Rights and Choices
California Consumer Privacy Act (CCPA) Rights:
If you are a California resident, you have the following rights under the CCPA:
To exercise any of these rights, you may contact us here or submit a request through our CCPA Rights Page.
Opt-Out of Marketing Communications:
You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the email or contacting us here.
6. How We Protect Your Information
We use industry-standard security measures to protect the personal information we collect. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
7. Third-Party Links and Websites
Our Site may contain links to third-party websites. This Privacy Policy applies only to information collected on our Site. We are not responsible for the privacy practices or content of third-party sites, and we encourage you to read their privacy policies before providing any personal information.
8. Children’s Privacy
Our services are not directed to children under the age of 13, and we do not knowingly collect or sell personal information from children under 13. If we become aware that we have collected personal information from a child under the age of 13, we will take steps to delete such information.
9. Do Not Track Signals
Some browsers may transmit "Do Not Track" (DNT) signals. We do not currently respond to DNT signals, as there is no industry consensus on how to handle them. However, you may use your browser settings to manage tracking preferences.
10. Telephone Consumer Protection Act (TCPA) Compliance
By providing your phone number on our Site, you consent to receive communications from us and our Marketing Partners, including marketing calls and text messages, which may be made using automated systems or prerecorded messages. You can revoke your consent by opting out of future communications as provided in each message or by contacting us here. You are responsible for any messaging fees or data charges that may apply.
11. CAN-SPAM Act and California Anti-Spam Law Compliance
We comply with the CAN-SPAM Act and California Anti-Spam Law in our email communications. If you receive an email from us that you no longer wish to receive, you may unsubscribe by following the instructions included in the email.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and update the "Effective Date" above. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.
13. Contact Us
If you have any questions about this Privacy Policy, the information we collect, or your rights, please contact us at:
Introduction
At ChooseYourPath.online transparency and trust are fundamental to our business. To provide you with a clear understanding of our relationships with advertisers and third-party service providers, we have prepared this Advertising Disclosures page. This page explains how advertising works on our Site and in communications with you, ensuring full compliance with the Federal Trade Commission (FTC) guidelines.
1. Sponsored Content and Advertisements
ChooseYourPath.online may feature sponsored content, advertisements, and links on our website, in emails, and through other communication methods. Sponsored content or advertisements may be in the form of text, images, banners, or hyperlinks that promote third-party services or products. In some cases, we may be compensated by third parties in exchange for placing their ads or sponsored content on our Site.
When applicable, we will clearly label or disclose sponsored content or paid advertisements using terms such as "Sponsored," "Ad," or "Advertisement" to differentiate it from our editorial content.
2. Affiliate Links
Some links on our Site may be affiliate links. This means that if you click on an affiliate link and make a purchase or take certain actions, we may earn a commission or referral fee. The price you pay will not change because of the affiliate relationship.
Affiliate links are used to support the operation of our business and are disclosed in accordance with FTC guidelines. We strive to provide you with valuable content while being transparent about our partnerships with affiliate programs.
3. Lead Sales and Third-Party Advertisers
ChooseYourPath.online sells the information you provide through forms on our Site as leads to third-party service providers ("Marketing Partners"). These Marketing Partners may contact you to offer services related to your inquiry or other related services.
In some cases, we are compensated when a third-party advertiser purchases your information as a lead or when you engage with their services. While we aim to connect you with reputable providers, ChooseYourPath.online does not endorse any specific third-party provider and is not responsible for the quality, reliability, or accuracy of the services provided by those Marketing Partners.
4. No Endorsement
The inclusion of third-party advertisements, affiliate links, or sponsored content on our Site does not constitute an endorsement or recommendation by ChooseYourPath.online. We do not guarantee the accuracy or reliability of the information provided by advertisers or affiliate partners. It is your responsibility to evaluate the services and offers before making a purchase or engaging with third-party service providers.
5. Native Advertising
In some cases, advertisements on our Site may be integrated into our content in a manner that resembles editorial content. This type of advertising is known as native advertising. When native advertising is used, we will clearly label the content as sponsored to comply with FTC guidelines and to ensure transparency for our users.
6. Compensation Disclosure
As required by law, we disclose that we may receive monetary compensation or other benefits from advertisers, affiliates, or third-party service providers in connection with sponsored content, affiliate links, or lead generation activities. The compensation received may influence the placement or prominence of the content on our Site, but it does not influence our commitment to providing valuable, relevant content for our users.
7. Changes to This Policy
We may update this Advertising Disclosures page from time to time to reflect changes in our advertising practices or legal requirements. When we do, we will post the updated policy on this page and revise the "Effective Date" at the top of the page.
8. Contact Us
If you have any questions about our advertising practices or this Advertising Disclosures page, please contact us at:
Effective Date: SEPTEMBER 2024
Welcome to ChooseYourPath.online. These Terms and Conditions ("Terms") govern your use of our website located at ChooseYourPath.online (the "Site") and the services we offer, including the collection of information via forms and the sale of leads to third-party service providers. By accessing or using our Site and services, you agree to be bound by these Terms.
If you do not agree with these Terms, please discontinue the use of our Site and services.
1. Services
ChooseYourPath.online. collects information from users through forms on the Site. By submitting information through our forms, you acknowledge that the information you provide may be sold to third-party service providers ("Buyers") for marketing, sales, and business purposes. We do not guarantee that any Buyer will contact you or that you will receive services from them.
2. Eligibility
By using this Site, you represent that you are at least 18 years old and are legally capable of entering into a binding contract.
3. User Information and Consent
By submitting your information through forms on our Site, you agree to provide accurate, current, and complete information. You consent to our collection, use, and sale of your information to third-party service providers in accordance with our Privacy Policy.
Consent to Contact: By submitting your contact details, you agree that ChooseYourPath.online. and third-party Marketing Partners may contact you via phone, text, email, or other communication methods. Such communications may be made using automated systems, prerecorded messages, or other marketing technologies, subject to the Telephone Consumer Protection Act (TCPA) and relevant anti-spam laws.
You have the right to opt-out of receiving marketing communications by following the unsubscribe or opt-out instructions provided in such communications, as required by the California Anti-Spam Law, CAN-SPAM Act, and other applicable laws.
4. Lead Sales and Buyer Responsibility
The information you provide on our Site may be sold to our Marketing Partners for marketing, sales, or other purposes. Once your information is shared with our Marketing Partners, they are responsible for how they use your information, which will be governed by their own terms and privacy policies.
ChooseYourPath.online does not control or supervise third-party Buyers. We are not responsible for any actions taken by third-party Buyers, including but not limited to marketing efforts, services offered, or the quality of services provided. You are encouraged to review each Marketing Partner’s terms and policies before engaging with them.
5. User Responsibility
You are responsible for providing accurate and complete information when using our services. If you provide false, inaccurate, or incomplete information, you may be liable for damages resulting from such misinformation.
You agree that you will use the Site and services only for lawful purposes and that you will not engage in any activities that violate any federal, state, or local laws or regulations, including but not limited to anti-spam laws and privacy regulations.
6. Compliance with Federal and California Laws
California Consumer Privacy Act (CCPA):
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
To exercise any of these rights, please visit our CCPA Rights Page or contact us at:
Telephone Consumer Protection Act (TCPA):
By providing your phone number, you agree to receive communications, including marketing calls and text messages, which may be made using automated systems or prerecorded messages. You can opt out of receiving such communications by following the instructions provided by the caller.
CAN-SPAM Act & California Anti-Spam Law:
We comply with the CAN-SPAM Act and California Anti-Spam Law to prevent unwanted email communications. You can opt-out of receiving commercial emails from us or our Buyers at any time by following the unsubscribe instructions provided in each email.
7. Review and Feedback
Our platform may allow users to post reviews or feedback on third-party service providers. By submitting reviews, you agree to provide honest, lawful, and non-defamatory content.
We reserve the right to moderate, remove, or edit reviews that violate these Terms, contain inappropriate content, or are otherwise fraudulent. We do not guarantee the accuracy or authenticity of reviews posted by other users.
8. No Guarantee
ChooseYourPath.online does not guarantee that:
9. Refund Policy
ChooseYourPath.online does not offer refunds for the information collected or sold as leads. All lead sales are final, and no refunds will be issued under any circumstances.
10. Dispute Resolution
In the event of a dispute arising between you and one of our Marketing Partners, you agree to resolve the dispute directly with the Marketing Partner. ChooseYourPath.online is not responsible for disputes that arise from services provided by our Marketing Partners.
If you have a dispute related to the use of our services, please contact us at [email protected]. If the dispute cannot be resolved, you agree to submit the matter to arbitration as governed by the laws of the State of California.
11. Limitation of Liability
To the fullest extent permitted by law, ChooseYourPath.online shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business, arising out of or related to your use of our Site or services.
12. Indemnification
You agree to indemnify, defend, and hold harmless ChooseYourPath.online, its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including attorneys' fees) arising out of your use of the Site, submission of inaccurate information, or violation of these Terms.
13. Modification of Terms
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the updated Terms.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of California and the federal laws of the United States. Any disputes arising from these Terms shall be resolved in the courts located in [Orange County, California].
15. Contact Information
If you have any questions about these Terms, please contact us at:
By using our Site, you agree to these Terms. Please review them carefully.
California Consumer Privacy Act (CCPA) Privacy Rights
This section applies to California residents and outlines your rights under the California Consumer Privacy Act (CCPA).
Your Rights Under CCPA
As a California resident, you have the right to:
Categories of Information We Collect
We collect the following categories of personal information:
How to Submit a Request
If you are a California resident and wish to exercise any of your rights under the CCPA, please contact us at:
We will verify your identity and process your request in accordance with CCPA guidelines. Please note that you may submit a request through an authorized agent, but the agent must provide proof of authorization.
Do Not Sell My Personal Information
As of January 2022, we do not sell your personal information. If this policy changes, you will be provided with the option to opt-out of the sale of your information by clicking a "Do Not Sell My Personal Information" link at the bottom of our website.
Updates to This Policy
We may update this CCPA Privacy Policy as required by law or changes in our business practices. When we update this policy, we will notify you by updating the "Last Updated" date at the top of this policy.
By submitting your information through this form, you acknowledge and agree to the following: