While herFinancialFreedom ("hFF") supports the sharing of personal experience to build up our hFF community, nothing which is shared on or in any of the hFF website, events, newsletters, social media platforms, presentation materials or linked articles or any other communication shall be interpreted as amounting to investment advice or an offer or recommendation to buy, sell or hold any security or other financial product. There is no guarantee that using the techniques and ideas presented in these materials will lead to the growth of your investments. Any views expressed in the mentioned communication channels reflect the personal perspective of the respective author and not that of hFF. Information shared by hFF is for educational purposes only and should not be solely relied upon for making investment decisions. It is advisable to conduct thorough research and exercise careful due diligence. Outcomes will depend on various factors beyond our influence, including your financial situation, experiences, skills, effort, education, and market fluctuations. Investing involves risks, and utilizing the information from hFF is at your own risk. By continuously using our site and engaging with our content, you acknowledge that we hold no responsibility for the decisions you make based on the presented information or for any outcomes resulting from the purchase of our products or services.
Information We Collect
We may collect personal information that you voluntarily provide to us when you use our Website, such as your name, email address, and other contact information. We may also collect information automatically as you navigate and interact with our Website, such as usage data, IP addresses, cookies, and other tracking technologies. Also by submitting any forms, you acknowledge and agree that the hFF may use your provided details, such as name, email address, and feedback, for marketing, promotional purposes and you agree to be automatically signed up to receive hFF newsletter. You can unsubscribe from the newsletter at any time by clicking the "unsubscribe" link provided in each email. Rest assured that we will handle your information with utmost care and respect your privacy.
Use of Personal Information
We may use the personal information we collect for various purposes, including:
To provide and improve our services, products, and content on the Website
To respond to your inquiries, comments, and feedback
To send you marketing communications, newsletters, and promotional materials
To comply with applicable laws, regulations, and legal processes
To protect the rights, property, and safety of our users and the public
Disclosure of Personal Information
We may share your personal information with third parties for various purposes, including:
Service providers who help us operate and manage our Website
Business partners, affiliates, and vendors who assist us in providing our services
Legal, regulatory, or government authorities as required by law or to protect our rights
Other users, with your consent or as part of the normal functioning of our Website
The herFinancialFreedom newsletters utilize what are known as counting pixels. A counting pixel is a small graphic element embedded within emails sent in HTML format. Its purpose is to facilitate log file recording and analysis, allowing for statistical assessment of the success or effectiveness of online marketing campaigns. By means of the embedded counting pixel, herFinancialFreedom is able to ascertain whether an email has been opened by an individual and identify which links within the email have been accessed by that individual.
Any personal data gathered through the counting pixels embedded in our newsletters is stored and analyzed by the data controller. This is done to enhance the distribution of newsletters and to tailor the content of future newsletters more precisely to the preferences of the recipient. Importantly, this personal data is not shared with any third parties. Individuals whose data is collected have the right to withdraw their previously provided consent through the double opt-in process at any time. Upon such withdrawal, the data controller will proceed to delete this personal data. Furthermore, opting out of newsletter reception is automatically regarded as a withdrawal of consent by herFinancialFreedom.
We take reasonable measures to protect the security of your personal information and to prevent unauthorized access, use, or disclosure. However, please note that no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
a) Right to Confirmation
Every data subject has the right, as granted by the European directive and regulation provider, to request confirmation from the data controller regarding the processing of personal data related to them. If a data subject wishes to exercise this right of confirmation, they can contact an employee of the controller at any time.
b) Right to Information
Every individual affected by the processing of personal data has the right, in accordance with the European directive and regulation, to obtain free information from the data controller at any time about the personal data stored concerning them, as well as a copy of this information. The European directive and regulation provider has also specified that data subjects have the right to be informed about the following:
The purposes of processing
The categories of processed personal data
Recipients or categories of recipients to whom the personal data has been or will be disclosed, especially for recipients in third countries or international organizations
If possible, the envisaged duration for which the personal data will be stored, or, if not possible, the criteria used to determine that duration
The existence of the right to rectification, erasure, restriction of processing, or objection
The right to lodge a complaint with a supervisory authority
If the personal data is not collected from the data subject: all available information about the data's origin
The existence of automated decision-making, including profiling, along with meaningful information about the logic involved and the envisaged consequences for the data subject
Additionally, data subjects have the right to know if their personal data has been transferred to a third country or international organization. If such transfer has taken place, the data subject also has the right to receive information about the appropriate safeguards in connection with the transfer.
To exercise this right to information, a data subject can contact an employee of the controller at any time.
c) Right to Rectification
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation, to request the prompt correction of inaccurate personal data concerning them. Furthermore, taking into account the purposes of processing, data subjects have the right to request the completion of incomplete personal data through a supplementary statement.
To exercise this right of rectification, a data subject can contact an employee of the controller at any time.
d) Right to Erasure (Right to Be Forgotten)
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation provider, to demand the data controller's immediate erasure of personal data concerning them under certain circumstances, provided that processing is not necessary. These circumstances include:
The personal data was collected or processed for purposes for which it is no longer needed.
The data subject revokes their consent, on which the processing was based, and there's no other legal basis for processing.
The data subject objects to the processing and there are no overriding legitimate grounds for processing.
The personal data was processed unlawfully.
Erasure is necessary to fulfill a legal obligation under Union or Member State law.
The personal data was collected in relation to information society services.
If any of these circumstances apply and a data subject wishes to have their personal data deleted from herFinancialFreedom's records, they can contact an employee of the controller at any time. The herFinancialFreedom employee will promptly arrange for the data to be deleted.
If personal data has been made public by herFinancialFreedom and there's an obligation to erase it, the company will take reasonable steps, including technical measures, to inform other data controllers processing the data, to delete links to or copies of the data. The necessary arrangements will be made on a case-by-case basis.
e) Right to Restriction of Processing
Every individual affected by the processing of personal data has the right, in accordance with the European directive and regulation, to demand the controller to restrict processing under certain conditions. These conditions include:
The data subject contests the accuracy of the personal data, allowing the controller to verify accuracy.
Processing is unlawful, but the data subject opposes erasure and requests restriction instead.
The controller no longer needs the personal data for processing, but the data subject requires it to establish, exercise, or defend legal claims.
The data subject has objected to processing under Article 21(1) of the GDPR, pending verification of whether the legitimate grounds of the controller override those of the data subject.
If any of these conditions are met and a data subject wishes to restrict the processing of their personal data held by herFinancialFreedom, they can contact an employee of the controller at any time. Employees of herFinancialFreedom will promptly initiate the necessary restrictions.
f) Right to Data Portability
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation, to receive the personal data concerning them, which they have provided to a controller, in a structured, commonly used, and machine-readable format. They also have the right to transmit this data to another controller without hindrance, if the processing is based on consent or a contract and is carried out by automated means.
To exercise this right to data portability, a data subject can contact a herFinancialFreedom employee at any time.
g) Right to Object
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation, to object to the processing of personal data based on Article 6(1)(e) or (f) of the GDPR. This includes objection to profiling based on these provisions.
In case of objection, herFinancialFreedom will cease processing personal data unless compelling legitimate grounds for processing override the interests, rights, and freedoms of the data subject or for legal claims.
If herFinancialFreedom processes personal data for direct marketing purposes, the data subject has the right to object at any time. This also applies to profiling related to direct marketing. If a data subject objects, herFinancialFreedom will cease processing personal data for this purpose.
Additionally, if personal data is processed for scientific, historical research, or statistical purposes, the data subject can object to the processing, unless the processing is necessary for the performance of a task carried out in the public interest.
To exercise the right to object, a data subject can directly contact any employee of herFinancialFreedom.
h) Automated Decisions Including Profiling
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation provider, not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects or similarly significantly affects them, unless certain conditions are met. These conditions include necessity for contract fulfillment, explicit consent, or provisions of Union or Member State law.
If data subjects wish to assert rights related to automated decisions, they can contact an employee of herFinancialFreedom at any time.
i) Right to Withdraw Consent
Every individual affected by the processing of personal data has the right, as granted by the European directive and regulation, to withdraw consent to the processing of personal data at any time. To exercise the right to withdraw consent, a data subject can contact an employee of herFinancialFreedom at any time
Our Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the privacy practices or content of such third-party websites. We encourage you to review the privacy policies of these websites before providing any personal information.
Privacy Provisions on the use of Instagram
The controller has integrated components of the Instagram service on this website. Instagram is a service that qualifies as an audiovisual platform, enabling users to share photos and videos, as well as disseminate such data on other social networks.
Service Provider: Instagram's services are operated by Instagram LLC, located at 1 Hacker Way, Building 14, First Floor, Menlo Park, CA, USA.
Data Collection and Usage: Each time an individual page of this website, operated by the controller, and containing an Instagram component (Insta button), is accessed, the Internet browser on the user's information technology system is automatically prompted to download a representation of the corresponding component from Instagram. During this technical process, Instagram becomes aware of the specific subpage of our website visited by the user.
If the user is logged in to Instagram while accessing our website, Instagram recognizes the visit and, for the entire duration of the visit, associates it with the specific subpage the user is viewing. This information is collected by the Instagram component and linked to the user's Instagram account. When the user clicks on any of the Instagram buttons integrated into our website, the data and information transmitted are assigned to the user's personal Instagram user account and are stored and processed by Instagram.
Data Transmission to Instagram: Instagram receives information through the Instagram component about the user's visit to our website when the user is logged in to Instagram simultaneously with accessing our website. This occurs whether or not the user interacts with the Instagram component. If the user does not wish such information to be transmitted to Instagram, they can prevent this by logging out of their Instagram account before visiting our website.
For further information and the applicable data protection regulations of Instagram, please refer to the following links:
Instagram Help Center: https://help.instagram.com/155833707900388
Privacy Provisions on the use of Facebook
The controller has integrated components of the Facebook service on this website. Facebook is a social media platform that allows users to connect with others, share content, and interact through various features.
Service Provider: Facebook's services are operated by Facebook, Inc., located at 1 Hacker Way, Menlo Park, CA 94025, USA.
Data Collection and Usage: Whenever an individual page of this website, operated by the controller, contains a Facebook component (Facebook social plug-in), the user's web browser may automatically download a representation of the corresponding component from Facebook's servers. Through this process, Facebook may gather information about the specific subpage of our website that the user has visited.
If the user is logged into Facebook while accessing our website, Facebook may associate the visit with the user's account, noting the specific subpage visited for the duration of their stay on our site. The collected information is processed by the Facebook component and linked to the user's personal Facebook account. When the user interacts with any Facebook social plug-ins integrated on our website, the transmitted data and information are connected to the user's Facebook account, and Facebook may store and process this data.
Data Transmission to Facebook: Facebook may receive information through the Facebook component about the user's visit to our website when the user is logged into Facebook during their visit. This occurs irrespective of whether the user engages with the Facebook component. If the user wishes to prevent such data transmission to Facebook, they can log out of their Facebook account before accessing our website.
For additional information and to understand the applicable data protection regulations of Facebook, please refer to the following resources:
Facebook Data Policy: https://www.facebook.com/policy.php
Facebook Cookies Policy: https://www.facebook.com/policies/cookies/
Facebook Privacy Shield Notice: https://www.facebook.com/policy.php
Privacy Provisions on the use of Zoom
The controller has integrated components of the Zoom video conferencing service on this website. Zoom provides online video conferencing and communication solutions.
Service Provider: Zoom's services are provided by Zoom Video Communications, Inc., located at 55 Almaden Blvd, Suite 600, San Jose, CA 95113, USA.
Data Collection and Usage: When a user accesses individual pages of this website operated by the controller, which contain Zoom video conferencing components, the user's web browser may automatically interact with Zoom's servers to facilitate video conferencing sessions. Zoom enables real-time audio and video communication and may require the downloading of specific software or applications to support these interactions.
During the usage of Zoom's services on our website, Zoom may collect data related to the user's video and audio interactions, which includes video and audio data, as well as any content shared or displayed during the video conferencing session. Zoom may also collect technical data such as IP addresses, device information, and connection details to ensure the quality and security of the video conferencing experience.
Data Transmission to Zoom: As a video conferencing service, Zoom processes the data necessary for enabling online video communication, including transmitting video and audio data between participants. Users of Zoom's services may have their video and audio data transmitted to Zoom's servers for the purpose of facilitating the video conferencing session. This data may be processed and stored by Zoom in accordance with their privacy policies.
For more detailed information about how Zoom handles data and to understand the applicable data protection regulations, please refer to the following resources:
Privacy Provisions on the use of LinkedIn
LinkedIn Integration: The controller may integrate components of the LinkedIn service on this website. LinkedIn is a professional social network platform that facilitates networking, job searching, and professional content sharing.
Service Provider: LinkedIn's services are operated by LinkedIn Corporation, located at 1000 W. Maude Ave., Sunnyvale, CA 94085, USA.
Data Collection and Usage: When users access individual pages of this website that contain LinkedIn components, the user's web browser may automatically connect to LinkedIn's servers, which in turn may collect information about the user's interactions and activities on the LinkedIn platform.
LinkedIn may collect data such as the user's LinkedIn profile information, connections, and interactions with professional content. This data may be processed and used to enhance the user's experience on LinkedIn and for analytics purposes.
Data Transmission to LinkedIn: If a user is logged into their LinkedIn account while accessing our website, LinkedIn may associate the user's visit with their LinkedIn account. LinkedIn may collect information about the user's interactions on our website and correlate it with their LinkedIn activity.
Please ensure that this privacy provision accurately reflects your company's practices and is aligned with the terms of service and privacy policies of LinkedIn. Keep in mind that LinkedIn's policies and practices may change, so it's important to periodically review this provision for updates.
Use of Google forms and access to Google Drive
Google Forms: The controller may utilize Google Forms to collect information from users. Google Forms is an online survey and data collection tool offered by Google LLC. Users may be prompted to fill out forms for various purposes, such as feedback, registrations, or inquiries.
Google Drive Access: In some instances, the controller may provide access to documents or resources hosted on Google Drive, a cloud storage service provided by Google LLC.
Data Collection and Usage: When users interact with Google Forms or access documents on Google Drive via links provided on this website, the controller does not directly collect personal data through these services. However, Google may collect and process data as per their respective terms of service and privacy policies.
Privacy Provisions on the use of WhatsApp
WhatsApp Communication: The controller may use WhatsApp as a communication channel for users. WhatsApp is a messaging application that allows users to send text messages, voice messages, multimedia content, and engage in real-time communication.
Service Provider: WhatsApp is a service provided by WhatsApp LLC, located at 1601 Willow Road, Menlo Park, California 94025, USA.
Data Collection and Usage: When users communicate with the controller through WhatsApp, the controller may collect and process the personal data shared during the conversation. This data may include text messages, images, videos, and other multimedia content exchanged on the platform.
Legal or contractual requirements to provide personal data; requirement for contracting; obligation of the affected person to provide personal data; possible consequences of non-provision
We clarify that the provision of personal data is sometimes required by law (e.g., tax regulations) or as a result of contractual obligations (e.g., providing information about contractual partners). In certain instances, it may be necessary to provide personal data in order to enter into a contract that subsequently requires data processing. For example, a data subject may be required to provide personal data if our company is entering into a contract with them. Failure to provide the necessary personal data would result in the inability to conclude the contract with the concerned individual.
Before providing personal data, the data subject must engage with one of our employees. Our employee will assess on a case-by-case basis whether the provision of personal data is legally or contractually required, or is necessary for contract fulfillment. They will clarify whether there is an obligation for the data subject to provide the requested personal data, and also explain the potential consequences if the personal data is not provided.
It's imperative that individuals considering the provision of personal data consult our employees beforehand to understand the legal and contractual implications, ensuring informed decision-making. Our employees will provide clarity on the specific circumstances and potential outcomes related to the non-provision of personal data.