Last Updated: April 11, 2015

Thank you for visiting the LoveHopeLuck™ website located at www.foundmoneyguide.com (the "Website").  The Website is an Internet property of What If Holdings, LLC ( "Company," "we," "our" or "us"). Company is committed to protecting the privacy of our visitors' personally identifiable information ("PII"). To better inform you of our privacy practices, we provide this LoveHopeLuck™ Privacy Policy ("Privacy Policy"), explaining our online information practices and the choices that you can make regarding the way that your PII is used by us. You agree to this Privacy Policy, in its entirety, when you: ((a) access the Website; and/or (b) registers on the Website which enables you to access: (i) the Website’s viewable text, graphics and other material (collectively, “Content”); and (ii) an array of links to various government benefit programs, governmental entities, governmental services and third party advertiser products and/or services (collectively, “Links,” and together with the Website and Content, the “LoveHopeLuck™ Offerings”). Capitalized terms not defined herein shall have the meanings set forth in the LoveHopeLuck™ Terms and Conditions (“Terms and Conditions”).  If you do not agree to this Privacy Policy in its entirety, you are not authorized to use the LoveHopeLuck™ Offerings in any manner or form whatsoever.

Your California Privacy Rights

If you are a resident of the State of California and would like to learn how your “personal information” (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third parties, what categories of personal information that we have shared with third parties in the preceding year, as well as the names and addresses of those third parties, please e-mail us at: info@foundmoneyguide.com, or contact us by postal mail at: FoundMoneyGuide, 24 W. Railroad Ave., # 139, Tenafly, NJ 07670.

Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please e-mail us at: info@foundmoneyguide.com, or contact us by postal mail at: FoundMoneyGuide, 24 W. Railroad Ave., # 139, Tenafly, NJ 07670.  Please be advised that where California State residents opt-out from permitting their personal information to be shared, such individuals may still receive selected offers directly from us, in accordance with applicable law.

Telemarketing Consent:

By signing up for our services on this site or via another site (“Coregistration”), you consent to receive autodialed and/or pre-recorded telemarketing calls from or on behalf of Company, The Daily Jackpot, Viking Magazine Service, Great Savings Finder, Midwest Periodicals, JMS Marketing, North American Direct Services, LCN, and Advanced Education Search at the number you provided. Please see complete information in the section labeled Use and Sharing of PII below.

Personally Identifiable Information Collected:

We collect PII when you register or sign up for access to the LoveHopeLuck™ Offerings on the Website.  The PII that we may request may include, but is not limited to: (a) your e-mail address; and/or (b) any other information requested on the applicable form. We may also collect your PII when you otherwise agree to the terms of this Privacy Policy, but do not complete the applicable registration process in full.

Non-Personally Identifiable Information Collected:

We may collect certain Non-Personally Identifiable Information ("Non-PII") about you when you visit any of the Website's pages, such as the type of browser you are using (e.g., Internet Explorer, Safari, Chrome), the type of operating system you are using, (e.g., Windows or iOS) and the domain name of your Internet service provider (e.g., Yahoo). We use the Non-PII that we collect to improve the design and content of the LoveHopeLuck™ Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze LoveHopeLuck™ Offerings usage.

Cookies:

When a user visits the Website, we may send one (1) or more cookies and/or gif files (collectively, "Cookies") to assign an anonymous, unique identifier to the applicable user’s computer or other device. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you.  Cookies have many benefits to enhance your experience at the Website. To find out more about Cookies, please visit www.cookiecentral.com. We use Cookies to improve the quality of the LoveHopeLuck™ Offerings, including for storing user preferences, improving ad selection and tracking Website-user trends (such as pages opened and length of stay at the Website).

We allow third-party companies to collect certain information when you visit our web site. These companies may utilize cookies, pixels or other technologies to collect and use both personally identifiable information (e.g., your name, phone number, physical or electronic address) and non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other web sites in order to provide advertisements about goods and services likely to be of greater interest to you.  To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit the websites of the Digital Advertising Alliance at www.aboutads.info or Networking Advertising Initiative at www.networkadvertising.org/choices.  California Civil Code Section 1798.83 permits customers of Company who are California residents to request certain information regarding its disclosure of their personally identifiable information to third parties for their direct marketing purposes. You may request a list of all of the third parties with whom we share your PII by sending an e-mail to us at the below address and place “California Third Party Disclosure” in the subject line.  Please allow up to thirty days for a response.

Most Internet browsers are initially set up to accept Cookies, but you can reset your browser to refuse all Cookies or to indicate when a cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where a user rejects a Cookie, he or she may still use the LoveHopeLuck™ Offerings; provided, however, that certain functions of the LoveHopeLuck™ Offerings may be impaired or rendered inoperable if the use of Cookies is disabled. We reserve the right to retain Cookie data indefinitely.

Behavioral Tracking

Neither Company, nor any third party, uses Cookies, pixels and other tracking technology on the Website for purposes of tracking end-user activities after they leave the Website.

Use and Sharing of PII:

By submitting your PII by and through the LoveHopeLuck™ Offerings, you agree that we may share, sell, rent, lease or otherwise provide that PII to any third party for any purpose permitted by law, and we may work with other businesses to bring selected retail opportunities to our users.  These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers.  We will also use your PII to send you promotional messages regarding various Company products and/or services, as well as third party products and/or services that we think may be of interest to you. 

We may also employ other companies and individuals to perform certain functions on our behalf.  Examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data and providing marketing analysis.  The agents performing these limited functions on our behalf shall have access to our users’ PII as needed to perform these functions for us, but we do not permit them to use user PII for other purposes.

We will also use your PII for customer service, to provide you with information that you may request, to customize your experience with the LoveHopeLuck™ Offerings and/or to contact you when necessary in connection with your use of the LoveHopeLuck™ Offerings.  We may also use your PII for internal business purposes, such as analyzing and managing our business including, without limitation, the LoveHopeLuck™ Offerings.  We may also combine the PII we have gathered about you with information from other sources.   

By submitting your PII by and through the LoveHopeLuck™ Offerings, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “Rule”) and applicable state do-not-call regulations.  As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide “prior express written consent” within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time (“TCPA”), you consent to receive telephone calls, including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automated technology, to the telephone number(s) that you provided.  Please note that you are not required to provide this consent in order to obtain access to the LoveHopeLuck™ Offerings, and your consent simply allows Company to contact you via these means.  Further, you agree that we reserve the right to share, sell, rent, lease and/or otherwise distribute your mobile telephone and other mobile data with/to any third-party for any and all non-marketing uses permitted by this Privacy Policy and applicable law.

Without limiting the foregoing, by signing up for our services whether through Coregistration or on the site, you authorize The Daily Jackpot, Viking Magazine Service, Great Savings Finder, Midwest Periodicals, JMS Marketing, North American Direct Services, LCN, and Advanced Education Search to contact you by phone using an automatic telephone dialing system at the number you provided. You agree to receive these calls to the number you provided even if it is a mobile number or you have previously listed yourself on any Do–Not–Call Lists, and you understand that these calls may be generated using an automatic telephone dialing system. You may have your telephone number or cell mobile phone number listed on a state or federal do not call registry, but by registering, Coregistration, or using this Web Site, you are waiving your rights and privileges under these laws and expressly giving permission for Company, The Daily Jackpot, Viking Magazine Service, Great Savings Finder, Midwest Periodicals, JMS Marketing, North American Direct Services, LCN, Advanced Education Search, and any agent of Company the right to contact you by telephone or cell phone and for Company to share your email address with these parties.

We reserve the right to release current or past PII: (i) in the event that we believe that the LoveHopeLuck™ Offerings are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (ii) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any PII pursuant to a subpoena; or (iii) if we are sold, merge with a third party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if Company is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the Website of any change in ownership or uses of your PII, as well as any choices that you may have regarding your PII. 

You hereby consent to the disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with third-parties for suppression purposes in compliance with applicable law including the CAN-SPAM Act of 2003, as amended from time to time.  Users should also be aware that courts of equity, such as U.S. Bankruptcy Courts, might have the authority under certain circumstances to permit PII to be shared or transferred to third parties without permission.

 

Third Party Links:

The Website and other LoveHopeLuck™ Offerings may contain Links to websites owned and/or operated by governmental entities and/or third party advertisers (collectively, "Third Party Websites"). These Third Party Websites have separate privacy and data collection practices and Company has no responsibility or liability relating to them. We encourage you to be aware when you leave the Website and to read the privacy policies of each and every website that collects PII. This Privacy Policy applies solely to information collected by Company. 

Security:

We endeavor to safeguard and protect our users’ PII.  When users make PII available to us, their personal information is protected both online and offline (to the extent that we maintain any PII offline). 

Access to your PII is strictly limited, and we take reasonable measures to ensure that your PII is not accessible to the public.  All of our users’ PII is restricted in our offices, as well as the offices of our third party service providers.  Only employees or third party agents who need PII to perform a specific job are granted access to PII.  Our employees are dedicated to ensuring the security and privacy of all user PII.  Employees not adhering to our firm policies are subject to disciplinary action.  The servers that we store PII on are kept in a secure physical environment.  We also have security measures in place to protect the loss, misuse and alteration of PII under our control. 

Please be advised, however, that while we take every reasonable precaution available to protect your PII, no storage facility, technology, software, security protocols or data transmission over the Internet or via wireless networks can be guaranteed to be 100% secure.  Computer hackers that circumvent our security measures may gain access to certain portions of your PII, and technological bugs, errors and glitches may cause inadvertent disclosures of your PII; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law.  For the reasons mentioned above, we cannot warrant that your PII will be absolutely secure.  Any transmission of data at or through the Website, other LoveHopeLuck™ Offerings, or otherwise via the Internet or wireless network, is done at your own risk.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your PII.  You will be notified via e-mail in the event of such a breach.  Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures. 

Minors:

We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children. We will never knowingly collect any PII from individuals under eighteen (18) years of age. If we obtain actual knowledge that it has collected the PII of a minor, that information will be immediately deleted from our database.

Opting-Out/Unsubscribe:

To opt-out of having your PII shared with third parties, please contact us at info@Foundmoneyguide.com.  To opt-out of receiving e-mail advertising, SMS text-based marketing (where and to the extent permitted by applicable law), telemarketing and direct mail marketing from us, you can follow the instructions at the end of the applicable marketing message or contact us at info@foundmoneyguide.com. 

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your use of the LoveHopeLuck™ Offerings, as well as to respond to any inquiry or request made by you. To opt-out of receiving LoveHopeLuck™ Offerings-related and/or inquiry response-related messages from us, you must cease using the LoveHopeLuck™ Offerings and cease submitting inquiries to LoveHopeLuck™, as applicable.

Identifying, Updating and Deleting Your Information:

At your request, we will inform you of what PII we have on file for you.  In addition, at your request, we will modify and/or remove PII that you have provided to us, or that we have collected.  You may do so by sending your request via certified mail to: FoundMoneyGuide, 24 W. Railroad Ave., # 139, Tenafly, NJ 07670, or e-mailing us at: info@foundmoneyguide.com  We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that, after you delete your PII, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems. In addition, this deletion will not change or delete PII which may have already been shared with third parties, all as provided above in this Privacy Policy. You will need to contact the third parties that contact you directly to change your preferences regarding their use of your PII.

Changes to this Privacy Policy:

We reserve the right to change or update this Privacy Policy at any time by posting a clear and conspicuous notice on the Website explaining that we are changing our Privacy Policy. All Privacy Policy changes will take effect immediately upon their posting on the Website; provided, however, that if the manner in which we use PII changes, we will notify users by: (a) sending the modified policy to our users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether or not we use your PII in this different manner. At any time that you do not agree with the changes, you must opt out from receiving future communications from us (see the "Opting-Out/Unsubscribe" section above). Please check the Website periodically for any changes. Failure to opt out after notice of any such changes constitutes an affirmative acknowledgement and acceptance by you of the modified Privacy Policy.

Contact Us:

If you have any questions regarding this Privacy Policy, or would like more information regarding our privacy practices, please email us at: info@foundmoneyguide.com, or contact us by postal mail at: FoundMoneyGuide, 24 W. Railroad Ave., # 139, Tenafly, NJ 07670.










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