Privacy Policy

PRIVACY POLICY

Introduction

Welcome to The Perfect Practice privacy policy, which applies to this website, any landing pages associated with the website, and videoconferencing platforms such as Skool and Zoom (“Virtual Classrooms”), where services are administered in accordance with our Terms of Enrollment. The Perfect Practice is engaged in the business of marketing, organizational techniques and best practices as it relates to the financial services industry and the practices of financial advisors located across the world. The Perfect Practice is a trade name of Forster Financial Services Inc., a corporation duly incorporated under the laws of Alberta. The Perfect Practice provides coaching services and information to financial advisors and is not a recruiting company and does not offer financial advice. By signing up for the services offered on the Website and associated landing pages, students agree to engage The Perfect Practice to provide professional coaching in the areas of business marketing, organizational techniques, and best practices for the financial services industry in the form of Courses delivered in Virtual Classrooms in accordance with the Terms of Enrollment.

The Perfect Practice is dedicated to being transparent about how we collect, use and retain your personal information through our website and services. By using our website, you hereby consent to our privacy policy and agree to its terms.

Terminology 

The following terminology applies to this privacy policy: “Student”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Student and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Student in the most appropriate manner for the express purpose of meeting the Student’s needs in respect of provision of the Company’s stated services provided through various course offerings (“Courses”), in accordance with and subject to, prevailing laws of Canada. However, The Perfect Practice accepts students from all over the world and strives to comply with the laws of each applicable jurisdiction in which we operate. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to the same.

This privacy policy is in addition to other notices and policies on the website or provided by the Company.

This website is not intended for children. The Company does not knowingly collect any personal information from children under the age of 13. Please contact us if you believe your child has inputted their personal information and we will use our best efforts to destroy the information provided.

1. Purpose

We are committed to maintaining the accuracy, confidentiality and security of your personal information. We have developed this privacy policy to describe our specific privacy policies and practices and how we collect, use and disclose the personal information of those individuals who enroll in our Courses or who visit our website.

2. Privacy Policy Effective for Canada

The Company’s policy is to comply with the privacy legislation within each jurisdiction in which we operate. Sometimes the privacy legislation and/or an individual’s right to privacy are different from one jurisdiction to another. This privacy policy covers only those activities that are subject to the provision of Canada’s federal and provincial privacy laws, as applicable.

However, as Students from all over the world enroll in our services, we endeavor to respect privacy concerns in each jurisdiction that we operate. If you have any questions or concerns about how your personal information is handled in accordance with your country’s privacy laws, please contact us.

3. How We Collect and Use Personal Information

For the purposes of this privacy policy, personal information is any information about an identifiable individual, other than the person’s business title or business contact information when used or disclosed for the purpose of business communications. We collect and store personal information and other information that you voluntarily provide. We will only contact you if you have signed up for a Course or have otherwise requested that we contact you. We collect your personal information for legitimate business purposes, such as providing services in accordance with the Terms of Enrollment, which forms a binding agreement between us if you choose to sign up for a Course.

We may collect, use, store and transfer different kinds of personal information about you which we have grouped together as follows:

• Identity Information includes first name, last name, username or similar identifier, title and date of birth.
• Contact Information includes billing address, delivery address, email address and telephone numbers.
• Financial Information includes bank account and payment details.
• Transaction Information includes details about payments to and from you and other details of products and services you have purchased from us.
• Technical Data includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
• Profile Information includes your username and password, purchases or orders made by you, your interests, preferences, feedback and survey responses.
• Usage Information includes information about how you use our website, products and services.

Marketing and Communications Information includes your preferences in receiving marketing from us and our third parties and your communication preferences.

We use different methods to collect personal information from and about you including through:

• Direct interactions. You may voluntarily provide us with your personal information when you apply for Courses or services, create an account, subscribe to services, marketing or promotions, or by contacting us through our website or other means.
• Third parties or publicly available sources. We will receive personal information about you from various third parties and public sources as set out below.

We collect personal information, which is voluntarily provided by you, during online registration and online purchasing. Generally, this information includes name and e-mail address for registration or opt-in purposes and name, postal code, zip code, and credit card information when registering for events or subscribing to one of our Courses.

Be mindful that when you post on message boards, chats or similar publicly accessible communications, you are voluntarily making your personal information available to third parties, which can be collected and used by these third parties. We are not responsible for any unauthorized use of your personal information by third parties.

Facebook

As advertisers on Facebook and through our Facebook page, we, not Facebook, may collect content or information from a Facebook user and such information may be used in in accordance with this privacy policy. You consent to our collection of such information.

We abide by Facebook’s Data Use Restrictions.

• Any ad data collected, received or derived from our Facebook ads are only shared with those acting on our behalf, such as our service providers. We make sure that our service providers protect Facebook advertising data or any other information received by us, and that they keep that information confidential and secure.
• We do not use Facebook advertising data for any purpose except on an aggregate and anonymous basis and only to assess the performance and effectiveness of our Facebook advertising campaigns.
• We do not use Facebook advertising data, including the targeting criteria for a Facebook ad, to build, append to, edit, influence, or augment user profiles, including profiles associated with any mobile device identifier or other unique identifier that identifies any particular user, browser, computer or device.
• We do not transfer any Facebook advertising data (including anonymous, aggregate, or derived data) to any ad network, ad exchange, data broker or other advertising or monetization related service.

Other Social Platforms

We advertise our services on a variety of social platforms, including but not limited to Instagram, Google and LinkedIn. We strive to adhere to each privacy policy applicable to the social platforms we advertise on. Like on Facebook, we may use anonymous or aggregate data to assess the performance of our advertisements and we do not sell this data. We only use personal information voluntarily provided to us to facilitate our services and in accordance with this privacy policy.

We also collect, use and share aggregated data, which is statistical or demographic in nature and does not contain any personally identifying information. If aggregated data is combined with personal information, such that it could identify you, we would treat the aggregated data as personal information and protect it in accordance with this privacy policy.

We do not collect details about criminal offences, race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, or genetic and biometric data.

Where we need to collect personal information by law, or under the terms of a contract we have with you, and you fail to provide that personal information when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with services). In this case, we may have to cancel a service or Course you have with us but we will notify you if this is the case at the time.

4. Change of Purpose

We will only use your personal information for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

5. Personal Information Retention

We will only retain your personal information for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal information for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

To determine the appropriate retention period for personal information, we consider the amount, nature and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.

In some circumstances we will anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes, in which case we may use this information indefinitely without further notice to you.

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal information or the services (or to exercise any of your other rights). This is a security measure to ensure that personal information is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

6. Data Protection Rights

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access – You have the right to request copies of your personal information. We may charge you a small fee for this service.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
• The right to erasure – You have the right to request that we erase your personal information, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal information, under certain conditions.
• The right to object to processing – You have the right to object to our processing of your personal information, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Withdraw consent at any time where we are relying on consent to process your personal information. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

CCPA Privacy Rights (Do Not Sell My Personal Information)

Under the CCPA, among other rights, California consumers have the right to:

• Request that a business that collects a consumer’s personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
• Request that a business delete any personal data about the consumer that a business has collected.
• Request that a business that sells a consumer’s personal data, not sell the consumer’s personal data.
• If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

7. How your personal information is protected

We endeavour to maintain physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification or disclosure.

Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while this website strives to protect your personal information, we cannot warrant the security of any information you transmit to us, and you do so at your own risk. Once this website receives your transmission, we make commercially reasonable efforts to ensure its security on our systems.

8. Third parties

Third party advertisers and ad services may collect information about you through cookies or similar technologies. The use and collection of your information by these third-party advertisers and ad servers is governed by the relevant third-party’s privacy policy and is not covered by our privacy policy, which may differ from ours.  If you have any concerns about a third party’s use of cookies or similar technologies, you should visit that party’s website and review its privacy policy.

The website also includes links to other websites, whose privacy policies we do not control. When you access another website or purchase third-party products or services through the Website, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting or the provider of such products or services.

As further outlined in Terms of Enrollment, we may provide your personal information to Strategic Partners, who offer services completely independent of the Company and may have different privacy policies in place.

9. Access to your Personal Information

You can ask to see the personal information that we hold about you. If you want to review, verify or correct your personal information, using the contact information set out below. Please note that any such communication must be in writing.

In the event that we cannot provide you with access to your personal information, we will endeavour to inform you of the reasons why, subject to any legal or regulatory restrictions.

If you have any questions about this privacy policy or our privacy practices, please contact us at support@theperfectpractice.net 

10. Changes to Privacy Policy and Accuracy of Personal Information

We keep our privacy policy under regular review. It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes during your relationship with us.

11. Marketing & Communications

You will receive marketing communications from us if you have requested information from us or purchased goods or services from us and you have not opted out of receiving that marketing.

You will receive communications from us in relation to the Courses and services that you signed up for. These communications are necessary to administer the Course or service. We will contact you in a variety of ways, including but not limited to email and text messaging.

• Opting In

By signing up for a Course, you are opting in to receiving communications related to the Course or service you signed up to receive and marketing communications for other Courses or services offered by us. You may also opt in to receiving marketing communications when you provide us your email address and contact information on our website.

• Opting out

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us at any time.

Where you opt out of receiving these marketing messages, this will not apply to personal information provided to us as a result of a Course or service purchase, Course or service experience, or other transactions.

For communications connected to the administration of Courses and services, you can inform us of your communication preferences and we will try to accommodate your request. However, these communications are often necessary to properly administer the Course or service, opting out of such may make it impossible to continue with providing you with services or continuing your enrollment in the Course.

• Cookies

We employ the use of cookies. By accessing The Perfect Practice, you agreed to use cookies in agreement with this privacy policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

• Text Messaging Terms and Conditions

In connection with its Courses and services, The Perfect Practice will use text and SMS messaging to contact you.

We do not have a separate charge for this service; however, message and data rates may apply from your mobile carrier. By providing your consent to participate in our Courses or services, you approve any such charges from your mobile carrier.  We reserve the right to terminate our text message services, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. You are responsible for managing the types of text messages you receive.