Privacy Policy

As of 15 September 2024

SUMMARY

Here is a quick rundown of our Privacy Policy Declaration to help you understand how we handle your information. When you visit our website, contact us, or use our services, you confirm that you have read, understood, and accepted our full Privacy Policy below.

What is this policy about?

This policy explains what personal information we collect from you, how and why we collect it, how we protect it, and who we share it with. It also informs you about your rights regarding your personal information.

What information do we collect?

To provide the services you request, we collect personal details such as your First Name, Last Name, Email Address, Physical Address, and Telephone Number.

When you visit our website, data from your computer is also collected and stored by our website platform provider.

We use third-party applications and platforms that might also collect information about you. Our full Privacy Policy lists these applications and platforms.

How do we process your information?

We always process your Personal Data according to the purposes outlined in our Privacy Policy.

Why do we process your information?

We process your personal information only with your consent, as part of a contract with you, or when necessary for our legitimate interests, which are detailed in our Privacy Policy.

What are your rights?

You have the right to access the data we have about you. You can also restrict or object to our processing of your Personal Data. Additionally, you can request that we erase, correct, or transfer your Personal Data to someone else.

If you are subscribed to our newsletter, you have the right to unsubscribe or opt out of our email marketing. Legally, you can appeal any decisions we make regarding the processing of your personal information.

Do we sell your information?

Absolutely not!

How do we protect your data?

Yes, we have protective measures in place. You can read about them in our full policy.

What if you have complaints about our data handling?

You should contact the Data Protection Authority in your area. Full details are provided below.

How will you know if we change this policy?

We will inform everyone on our email list. If you are not on our list, you can check the date of the last update on our website. By using our services or visiting our website after that date, you are agreeing to the updated policy.

FULL PRIVACY DECLARATION OF CLARITY FINANCIAL SOLUTIONS

This data protection declaration applies to CLARITY FINANCIAL SOLUTIONS, www.clarityfinancialsolutions.ch, including its sub-domains, affiliated sites, and CLARITY FINANCIAL SOLUTIONS' pages and accounts on Facebook, Instagram, LinkedIn, and WhatsApp (collectively referred to as “Website,” “Site,” “Websites,” or “Sites”).

It defines the principles under which we process all Personal Data that we collect from you or that you provide. We respect your privacy choices and understand your need to keep your personal information confidential. We are committed to safeguarding all information we collect from you when you use our content, services, and/or products.

Our commitment to protecting your privacy and ensuring transparent communication aligns with the principles of legal fluency that drive our business practices.

If you are a User, visitor, viewer, subscriber, client, and/or customer of our Sites (referred to collectively as “User,” “You,” or “Your”), please read this Privacy Policy in its entirety before using, viewing, downloading, purchasing from, or accessing our Site, content, services, and/or products.

By using our Sites, you consent to the terms and conditions of this Privacy Policy.

If you do not accept these terms, please do not access our Sites.

General Information about the collection of Personal Data and provider identification

1. This section informs you about the collection of Personal Data when using our website. Personal Data includes all information that relates to an identified or identifiable individual, such as names, addresses, email addresses, User behavior, and similar data.

2. By consenting to our use of cookies in accordance with this policy when you first visit our website, you permit us to use cookies on subsequent visits.

3. These Sites and CLARITY FINANCIAL SOLUTIONS are represented by Tracy Germani ("I," "We," "Us," or "Our") and are located at Seestrasse 1, 8805 Richterswil, Switzerland. You can contact us at info@clarityfinancialsolutions.ch.

WHAT DO WE COLLECT?

We collect, store, and use the following Personal Data:

1. Personal Identification Information (First Name, Last Name, Email Address, Physical Address, Telephone Number)

2. Credit Card Information / Payment Information

3. Billing and Shipping Address

4. Social Media Profile Information

5. Business Information

6. Financial Information

We also collect, store, and use data regarding your behavior, such as purchase data and information from your computer, including your IP Address, Geographical Location, Browser Type, Time Zone, Operating System, Browser Version, Pages on our Site that you visit, the time and date of your visit, and the duration spent on those pages.

Additionally, we collect information from any communications you send to us via email or through our website, including the content and metadata of such communications.

HOW DO WE COLLECT YOUR PERSONAL DATA?

In most instances, you provide us with the data we collect. We collect and process data when you:

1. Register with our Sites or create an account on our websites.

2. Subscribe to our email list or newsletter.

3. Purchase anything from our Sites.

4. Download content from our Sites, including freebies, lead magnets, and similar items.

5. Contact us via email or the contact button on our Sites.

6. Participate in contests and giveaways.

7. Access our Sites to use courses, membership areas, blogs, and private groups.

8. Leave a review or feedback.

9. Voluntarily complete a customer survey.

10. Agree to participate in an interview with us.

We collect information about your computer, including your IP address, geographical location, browser type and version, and operating system through automated data collection technologies such as cookies and similar methods, as detailed below. This means we are already collecting this data when you browse our Site.

We collect communication content and metadata when you post it to our Sites or mobile application, and when our website generates metadata in connection with your communication.

Before disclosing the personal information of another person to us, you must obtain that person’s consent to disclose and process their personal information in accordance with this policy.

OUR LEGAL BASIS FOR COLLECTING AND PROCESSING YOUR INFORMATION

Personal Data that you voluntarily submit to us through our Site or other means will be used for the following purposes:

1. Administering our Sites and business operations.

2. Personalizing our Site for you.

3. Enabling your use of the services available on our Sites.

4. Supplying services you have purchased from us.

5. Sending statements, invoices, payment reminders, and collecting your payments.

6. Sending non-marketing commercial communications.

7. Sending email notifications that you have specifically requested.

8. Sending newsletters if you have subscribed to our website. You may notify us at any time if you no longer wish to receive the newsletter.

9. Sending marketing communications related to our business or the businesses of carefully selected third parties, which we believe may be of interest to you, by post or, where you have specifically agreed, by email or similar technology. You may notify us at any time if you no longer wish to receive marketing communications.

10. Providing third parties with statistical information about our Users. We will not provide third parties with data that can identify any individual User.

11. Handling inquiries and complaints made by or about you relating to our Site, Products, or Services.

12. Keeping our Sites secure and preventing fraud.

13. Verifying compliance with the terms and conditions governing the use of our Sites, including monitoring private messages sent through our Site’s private messaging service.

14. Complying with legal obligations.

15. Protecting the life or physical safety of individuals.

16. Other uses consistent with this Privacy Policy.

If you submit personal information for publication on our Site, we will publish and otherwise use that information according to the license you grant.

Without your express consent, we will not provide your personal information to any third party for their or any other party’s direct marketing purposes.

WE WILL DISCLOSE YOUR PERSONAL INFORMATION IN THE FOLLOWING INSTANCES:

We will never sell or trade your personal information.

We may disclose your personal information to any of our employees, insurers, professional advisers, agents, suppliers, or subcontractors as reasonably necessary for the purposes set out in this policy.

We will disclose your personal information:

1. To the extent that we are required to do so by law.

2. In connection with any ongoing or prospective legal proceedings.

3. To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention and reducing credit risk.

4. To the purchaser (or prospective purchaser) of any business or asset that we are (or are contemplatin¬¬g of) selling; and

5. To any person we reasonably believe may apply to a court or other competent authority for disclosure of that personal information were, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Except as this policy provides, we will not provide your personal information to third parties.

DETAILS ABOUT OUR PLATFORM AND SERVICE PROVIDER

Our website is hosted by WIX ("Host"). Our Host provides us with an online platform to host our blog and sell our products and services.

Your data may be stored through our Host's data storage, databases, and general applications.

Our Host and other service providers may use analytical tools to measure traffic and usage trends for our website. For example, when you visit our website, our Host will collect the following information:

1. The IP address of the computer or device you are using to visit our website,

2. The date and time of access,

3. The name and URL of the data accessed,

4. The website from which access is made to our domain,

5. Your computer's operating system and the browser you use,

6. The country from which you access our website, and

7. The name of your internet service provider.

This data is stored and managed by our Host and, therefore, is subject to their Privacy Policy. By using our website, you agree to be bound by our Host's Privacy Policy, which can be found here: https://www.wix.com/about/privacy.

INTERNATIONAL DATA TRANSFERS

The information we collect may be stored, processed, and transferred between any countries where we operate in order to utilize the information in accordance with this policy. This means your personal information may be transferred to, stored in, and processed in jurisdictions other than where you reside.

Specifically, the information we collect may be transferred and/or processed in Switzerland, Israel, and the United States.

Please note that Israel and the United States are not included in Switzerland’s list of countries with adequate data protection as they may not provide the same level of protection as Switzerland and the European Union. If you are in Switzerland and continue to use our site despite this notice, you consent to the processing of your data in Israel and the United States by our service provider, WIX.

Personal information that you publish on our sites or submit for publication on our sites will be accessible via the Internet worldwide. We cannot prevent the use or misuse of such information by others.

By using our services, you expressly agree to the transfer of personal information as described in this section.

WHAT ARE YOUR RIGHTS?

Right to Access. You have the right to request copies of your personal information from us, subject to the following:

The supply of appropriate evidence of your identity, such as a photocopy of your passport.
Payment of CHF 25.00 to cover the administrative expenses incurred.
We may withhold the personal information you request to the extent permitted by law.
You may instruct us at any time not to process your personal information for marketing purposes.

Right to Erasure. If you have consented to the use of data, you may revoke your consent at any time.
Right to Restrict Processing. You have the right to request that we restrict the processing of your personal information under certain conditions.
Right to Object to Processing. Under certain conditions, you have the right to object to our processing of your personal information.
Right to Data Portability. You have the right to request that we transfer the data we have collected to another organization or directly to you, under certain conditions.
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 information you believe is incomplete.
Right to Opt-Out. We may share your information with our third-party service providers or collaborators as necessary. You will always be informed if we share your information before you opt-in.

If you decide to opt-in, you will always have the right to opt-out. All requests for information, disclosure requests, or objections to data processing should be sent by email to info@clarityfinancialsolutions.ch. We have thirty (30) days to respond to your request.

We may deny your requests in certain instances; for example, if we cannot verify that you are the owner of the information, or if we are legally required to retain a copy of the personal information. In such cases, we will communicate this fact to you in writing. Legally, you may appeal our decision by responding to the communication denying your request.

YOU HAVE A RIGHT TO UNSUBSCRIBE

If you wish to unsubscribe from our email list at any time, please send an email to info@clarityfinancialsolutions.ch or follow the instructions provided at the bottom of every email we send.

Our email service provider allows us to segment and tag our leads. As a result, it is possible that you may be part of several segments or lists, particularly if you interact with us through different methods. For example, you might have sent an inquiry, downloaded a lead magnet, watched a specific presentation, or purchased a particular service or product. Consequently, when you unsubscribe using the link in an email, you may only be unsubscribing from a specific segment or list.

To completely unsubscribe from all of our lists, you may need to send an email to info@clarityfinancialsolutions.ch.

HOW DO WE RESPOND TO “DO NOT TRACK” REQUESTS?

Note that your browser settings may allow you to automatically transmit a “Do Not Track” signal to websites and online services you visit. There is no consensus among industry participants as to what “Do Not Track” means in this context. Like many websites and online services, we currently do not alter our practice when we receive a “Do Not Track” signal from a visitor’s browser. To find out more about “Do Not Track.” You can visit http://www.allaboutdnt.com.

HOW LONG DO WE RETAIN YOUR DATA?

We retain data for as long as necessary to fulfill the purposes for which it was collected. We may keep your data even after a particular matter or exchange has concluded, solely for record-keeping purposes and to respond to queries.

Notwithstanding the other provisions herein, we will retain documents, including electronic documents, that contain Personal Data under the following conditions:

1. To the extent required by law.

2. If we believe the documents may be relevant to any ongoing or prospective legal proceedings.

3. To establish, exercise, or defend our legal rights, including providing information to others for fraud prevention and credit risk reduction.

While the specific retention periods may vary depending on the circumstances, we will not keep records containing Personal Data for more than ten (10) years after a particular matter or exchange has concluded.

If you request that we stop sending you marketing communications or unsubscribe from our email list, we will retain certain details, such as your name, to ensure that you are not contacted again.

SECURITY OF YOUR PERSONAL INFORMATION

1. www.clarityfinancialsolutions.ch uses SSL/TLS encryption for security reasons and to protect the transmission of confidential content. Third parties cannot read the data you transmit to us.

2. We will take reasonable technical and organizational precautions to prevent the loss, misuse, or alteration of your personal information.

3. As we use our Host’s platform for our website, we are subject to the processes used by our Host to protect your data, including the use of firewalls and encryption for payments.

4. All physical documents in paper format are stored under lock and key and cannot be accessed outside our organization. We store them in accordance with our retention policy and shred and destroy them once they are no longer needed.

5. You acknowledge that transmitting information over the Internet is inherently insecure, and we cannot guarantee the security of data sent over the Internet.

6. You are responsible for keeping the password you use to access our Sites. We will not ask you for your password except when you log in to our website.

COOKIES AND TRACKING TOOLS

Our Site uses cookies. These small text files allow us to store specific, User-related information on your device while you are using our Site. Cookies enable us to determine the frequency of use and the number of Users of the pages on our Site, as well as to analyze the behavior of our Site Users. They make our offerings more User-friendly.

Cookies are stored beyond the end of a browser session and can be retrieved when you revisit the Site. If you prefer not to have cookies stored, you should adjust your internet browser settings to refuse cookies.

We have a separate cookies policy that explains what cookies we use and how you can choose to accept or reject them. You can read it here.

You can also delete cookies. If you are in Europe, you can learn more about how to delete cookies at www.youronlinechoices.com. Note, however, that deleting cookies may negatively impact the usability of many websites.

OPT-OUT OF TARGETED ADVERTISING

You can opt out of targeted advertising by visiting the following websites:

• Network Advertising Initiative (NAI): http://www.networkadvertising.org/choices/

• Digital Advertising Alliance (DAA): http://www.aboutads.info/choices/

Our Sites are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, please do not provide any information on our Sites.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us.

If we become aware that we have collected Personal Data from anyone under the age of 18 without verifying parental consent, we will take steps to remove the information from our system.

WE WILL NEVER SELL YOUR INFORMATION

All the information we collect from you is used solely for the purposes enumerated in this Privacy Policy. We do not monetize any data we collect from you by selling it.

YOUR PERSONAL DATA WHEN YOU PURCHASE ANYTHING FROM OUR SITES

We do not collect, store, or have access to any payment data (e.g., credit/debit card details) related to your purchase. We may have access to limited Personal Data, such as your name, email address, and information about the products you purchased. Furthermore, we may use this data to contact you about your purchase, but only if you have given your consent to do so.

We utilize the following payment gateways:

1. Use of Credit Card Payment Processed by Stripe

If you pay by Credit Card, your bank and credit card details will not be stored by us but will be encrypted using the “SSL” method and forwarded to the payment service provider Stripe Payments. If you have questions about Stripe’s Privacy Policy, please contact privacy@stripe.com.

2. TWINT

If you choose to pay us via TWINT, we will have access to the following information:

a. Your name

b. Your Phone number

c. Your mobile number

However, we do not have control or responsible for how TWINT and our bank handle these details.

If you choose payment via TWINT, your data will be processed by them, and you can read about their Privacy Policy here: https://www.twint.ch/en/website-data-privacy/ and https://www.twint.ch/en/app-dataprotection/

USE OF SOCIAL MEDIA PLUG-INS

We currently use the following social media plug-ins: Meta Platforms, Inc. (Facebook and Instagram) and LinkedIn.

We employ a "2-click" solution. This means that when you visit our Site, no Personal Data is initially transmitted to the providers of these plug-ins. You can recognize the plug-in provider by the initial letter or symbol. Personal Data is only transmitted when you click on one of the plug-ins. Once activated, data is automatically sent to the respective plug-in provider and stored there. We do not control the data collected or the data processing procedures, nor are we aware of the full extent of data collection, purposes, or storage periods. Since the plug-in provider collects data via cookies, we recommend that you delete all cookies through your browser's security settings before clicking on the symbols.

To understand how our social media plug-in providers handle your data, you can read their respective privacy policies here:

Meta Platforms, Inc (Facebook): https://www.facebook.com/privacy/policy

Meta Platforms, Inc (Instagram): https://privacycenter.instagram.com/policy

LinkedIn, Inc., https://www.linkedin.com/legal/privacy-policy

THIRD-PARTY LINKS

Our Sites may contain links to other websites not operated by us. If you click on a third-party link, you will be directed to that third-party’s Site. We strongly advise you to review the Privacy Policy of every Site you visit.

We have no control over and assume no responsibility for any third-party sites or services’ content, privacy policies, or practices.

OUR SOCIAL MEDIA ACCOUNTS AND THIRD-PARTY APPLICATIONS WE USE.

You may interact with us through our social media accounts and other third-party applications we use. This Privacy Policy also applies to those interactions to the extent practicable.

Please note that the personal information you transmit to our social media accounts or through third-party applications is generally collected by the platform providers, not by us. Consequently, such information is governed by the privacy policies of those providers. Additionally, these providers use cookies.

To understand how our social media and third-party application providers use and collect your data, please review their respective privacy policies here:

Facebook

Owner: Meta Platforms, Inc

Instagram

Owner: Meta Platforms, Inc

Owner: LinkedIn, Inc.

Calendly

Owner: Calendly, LLC

Zoom

Owner: Zoom Video Communications, Inc.

OUR E-MAIL POLICY

If you choose to communicate with us via email, we may retain the content of your communications, including your email address. These communications are protected in accordance with the provisions outlined in this Privacy Policy.

All emails sent to us are confidential. We do not disclose, sell, transfer, or otherwise lease our email list to any third parties, except as described in this Privacy Policy.

In compliance with the US CAN-SPAM Act, all emails from us will clearly identify the sender’s name and provide clear and specific information on how to contact us. Our emails will also include detailed instructions on how to unsubscribe from our email list.

Each email we send will include a link to unsubscribe from our email list. You can use this link to stop receiving future communications.

BASIS OF THIS DATA PROTECTION DECLARATION

This Privacy Policy Declaration is written with consideration of your rights and the protections afforded by data protection laws and regulations in the following jurisdictions:

1. European Union (EU): General Data Protection Regulation (EU GDPR)

2. Switzerland: Federal Data Protection Act (FDPA)

3. Brazil: General Data Protection Law (LGPD)

4. New Zealand: Privacy Act 2020

5. United Kingdom (UK): UK GDPR and Data Protection Act

6. California: California Privacy Rights Act (CPRA)

7. United States (US): Children’s Online Privacy Protection Act (COPPA)

8. Canada: Personal Information Protection and Electronic Documents Act (PIPEDA)

9. Australia: Privacy Act 1988

COMPLAINTS

If you have complaints about how we process your data or if you feel that we have not addressed your concerns, you may contact the Federal Data Protection and Information Commissioner (FDPIC) at +41 (0)58 462 43 95 or the relevant Data Protection Authority in your jurisdiction.

AMENDMENTS TO THE DATA PROTECTION DECLARATION

We reserve the right to amend this Privacy Policy to reflect changes in legal requirements or modifications to our services and data processing practices. Such amendments will apply only to the statements regarding data processing. If changes to this Privacy Policy require User consent or involve aspects of the contractual relationship with Users, those changes will be made only with the Users’ permission.

Users are encouraged to regularly review the content of this Privacy Policy.

These Terms were drafted for us by Legally She Can to reflect our commitment to upholding the highest standards in business practices.

If you have any questions or complaints about this Privacy Policy, please contact us at info@clarityfinancialsolutions.ch.