About

Policy

Privacy Policy

Updated: January 15, 2024

Introduction

At GenovaFinancial.com (“Company”), safeguarding your privacy is paramount to us, and this commitment is reflected in our privacy policy. This document outlines the types of information we may collect from you or that you provide while utilizing our services (“Services”) available on our website, GenovaFinancial.com (“Website”), and details our practices regarding the collection, use, storage, protection, and disclosure of such information.

This policy governs the information collected:

During registration for or utilization of the Services.
Through email, text, and other electronic communications exchanged between you and GenovaFinancial.com.
When interacting with our advertisements and applications on third-party platforms, provided they include links to this policy.
When engaging with our Services via third-party social media platforms.

Exclusions to this policy include the information collected:

Offline or through other means not involving GenovaFinancial.com, including on other websites or services operated by us or third parties (including our affiliates and subsidiaries).
By third parties (including our affiliates and subsidiaries), including through applications or content (including advertising) accessible via our Website or Services.

We urge you to carefully review this policy to comprehend our approach to handling your information. If you do not agree with our policies and practices, you should refrain from using our Website or Services. By accessing or using our Website or Services, you acknowledge and consent to the collection, use, disclosure, retention, and protection of your personal information as described herein. We reserve the right to modify this policy, and your continued use of our Website or Services following any such changes constitutes acceptance thereof. Therefore, we encourage you to periodically review this policy for updates.

Please note that information gathered during SMS campaigns will not be shared with third parties or affiliates for marketing purposes.

1. Information Collected

At GenovaFinancial.com, we may collect various types of information from users of the Website or Services, which include:

Personally identifiable information, such as your name, address, email address, phone number, date of birth, social security number/federal employment identification number, or any other data categorized as personal or personally identifiable under applicable law ("personal information").
Non-identifying information related to you, such as age, gender, location, and any other optional details you choose to share about yourself.
Data concerning your internet connection, the devices you use to access the Website or Services, and usage patterns.

We collect this data through:

Direct input from you when you provide it to us.
Automatic means as you navigate through the Website or Services. This may include usage statistics, IP addresses, and data gathered through cookies, web beacons, and similar technologies.
Third-party sources, such as our business partners.

Information You Provide to GenovaFinancial.com

The information we gather on or via the Website or Services may encompass:

Data that is submitted via forms associated with the Services. This includes details provided during registration, account creation, or when requesting additional services. Such information might include your social media credentials, passwords, and other access data. We may also request information when you report issues with the Services.
Records and copies of your communications (including email addresses) if you reach out to us.
Your responses to surveys conducted for research purposes.
Transaction details that are conducted through the Website or Services, including financial information necessary for orders or payments.
Your search queries on the Website.
Your social media profiles that are linked to the Services.
Information you choose to publish or share ("user contributions") through the Services, which may be visible to others.

Information Collected via Automated Technologies

As you interact with the Website or Services, we employ automatic data collection methods to gather certain details about your devices, browsing habits, and activities, including:

Service-related activities, traffic data, location data, logs, and other communication data.
Information concerning your computer or internet connection, such as IP addresses, device IDs, operating systems, and browser types.
Details regarding your mobile devices and internet connections, including unique identifiers, IP addresses, operating systems, browser types, mobile network data, and more. This may also entail precise location data, which can be disabled through your device's settings.

The automatically collected data is typically statistical and doesn’t include personal information. However, we may link it to personal information obtained through other means.

This data aids us in enhancing our Services and providing a more tailored experience by:

Gauging audience size and usage trends.
Storing preferences to customize the Services.
Facilitating faster searches.
Recognizing returning users.

Cookie Policy

This Cookie Policy explains how our website uses cookies and similar tracking technologies. By using our website, you consent to the use of cookies as described in this policy.

What are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, mobile phone) when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners.

How We Use Cookies

We use cookies for the following purposes:

Essential Cookies: These cookies are necessary for the website to function properly. They enable you to navigate our website and use its features. Without these cookies, certain services may not be provided.
Performance Cookies: These cookies collect information about how visitors use our website, such as which pages are visited most often, and if visitors receive error messages from web pages. These cookies do not collect information that identifies visitors. All information collected by these cookies is aggregated and therefore anonymous. We use this information to improve the performance of our website.
Functionality Cookies: These cookies allow our website to remember choices you make (such as your language preference) and provide enhanced features. They may also be used to provide services you have asked for, such as watching a video or commenting on a blog.
Targeting or Advertising Cookies: These cookies are used to deliver advertisements relevant to you and your interests. They are also used to limit the number of times you see an advertisement and help measure the effectiveness of the advertising campaign. These cookies may be placed by third-party advertising networks with our permission. They remember that you have visited a website and this information is shared with other organizations such as advertisers.

Managing Cookies

You can control and manage cookies in various ways. Please note that removing or blocking cookies may affect your user experience and some parts of our website may no longer be accessible.

Browser Settings: Most web browsers allow you to control cookies through their settings preferences. You can usually find these settings in the "Options" or "Preferences" menu of your browser.
Third-Party Tools: Many third-party applications allow you to manage cookies. You can opt-out of interest-based advertising by visiting websites such as the Digital Advertising Alliance.

Third-party Use of Cookies and Tracking Tools

Certain content or applications on the Website, including ads, may be served by third parties who use cookies or similar tools to gather data about your online activities. This information may be linked to your data or used for targeted advertising.

Third-Party Plugins

Our Services may include plugins from social networks and other third parties. These plugins may transmit data to the provider, even if not clicked on, including your IP address and device information. Their use is governed by the provider's privacy policies and terms.

2. Use of Information

At GenovaFinancial.com, we may utilize the information we collect about you, including the personal data you provide, in various ways, including but not limited to:

Presenting the Website or Services and their features to you.
Delivering the information, products, or services you request from us.
Fulfilling any other purposes you share the information for.
Sending you notifications about your account, including renewal reminders.
Meeting our contractual obligations and enforcing our rights under agreements between you and GenovaFinancial.com, including billing and payment processing.
Informing you about changes to the Services or any additional products or services offered through them.
Enabling your participation in interactive features available on the Services.
Analyzing trends, usage patterns, and activities associated with the Services for marketing or advertising purposes.
Investigating and preventing fraudulent activities, unauthorized access, and other unlawful actions.
Tailoring the content, features, or advertisements within the Services to your preferences.
Any other purposes disclosed at the time of information collection or with your explicit consent.

Date of Birth

As part of our registration process, we collect your date of birth to ensure that you are at least 18 years of age. This is necessary because we occasionally send promotional texts and emails to customers who have opted in. Rest assured that your date of birth is used exclusively for verification purposes and is not shared with any third-party companies. By collecting this information, we can maintain compliance with legal requirements and uphold our standards of responsible communication.

Additionally, we may use your information to communicate with you about GenovaFinancial.com's offerings and those of third parties that may interest you. If you prefer not to receive such communications, you can contact us at [email protected]. For further details, please refer to the section "What choices do you have about how GenovaFinancial.com uses and discloses your information?"

GenovaFinancial.com may also utilize the data collected to facilitate targeted advertising to specific audiences on behalf of advertisers. While we do not disclose your personal information for this purpose without your consent, engaging with an advertisement may lead the advertiser to assume that you match their target criteria.

3. Information Sharing

GenovaFinancial.com is committed to safeguarding your personal information and will not share, sell, or distribute it without your consent. However, there are circumstances under which we may disclose the personal information we collect or you provide, as outlined below:

To fulfill the purpose for which you provided the information.
For any other purpose disclosed at the time of information collection.
With your explicit consent.

Additionally, we may disclose your personal information in the following scenarios:

To comply with legal obligations, such as court orders, laws, or government/regulatory requests.
To enforce our terms of use and other agreements, including billing and collection purposes or receiving payment.
When we believe disclosure is necessary to protect the rights, property, or safety of GenovaFinancial.com, our customers, or others. This may involve sharing information with other companies or organizations for fraud protection and credit risk reduction.

Rest assured, any disclosure of your personal information will be carried out with the utmost care and following applicable laws and regulations. Your privacy and security are our top priorities.

4. What choices do you have about how GenovaFinancial.com uses and discloses your information?

At GenovaFinancial.com, we believe in providing you with control over the personal information you share with us. To ensure transparency and empower you to make informed decisions, we offer the following options for managing your information:

Tracking Technologies and Advertising

You can adjust your browser settings to refuse all or some browser cookies, or to receive alerts when cookies are being sent. To learn more about managing other types of cookies, you can visit www.allaboutcookies.org/manage-cookies/. Please note that disabling or refusing cookies may impact certain features of the Website.

Disclosure of Your Information for Third-Party Advertising

Information collected in our SMS campaigns will not be shared with third parties or affiliates for marketing purposes. If you wish to opt out, you can send us an email at [email protected] to adjust your user settings accordingly, or you can use this form.

Offers from GenovaFinancial.com

If you prefer not to receive promotional SMS texts promoting our products or services, or those of third parties, you can opt-out by using this form. Additionally, if you receive a promotional email from us, you can click on the "unsubscribe" link provided at the bottom of the email to be excluded from future distributions. Please note that this opt-out option does not apply to information obtained as a result of service purchases or other transactions.

Targeted Advertising

If you do not want GenovaFinancial.com to use your information for delivering advertisements based on advertisers’ preferences, you can opt-out by using this form. To ensure this opt-out is effective, please ensure your browser is configured to accept browser cookies.

It’s important to note that GenovaFinancial.com does not have control over third-party collection or use of your information for interest-based advertising. However, these third parties may provide their opt-out mechanisms to enable you to decline the collection or use of your information in this manner.

5. How can you access and correct your information?

To modify or remove your personal information, you can reach out to us via email at [email protected] to correct or delete any personal information you've provided to us.

Please note that while we strive to accommodate your requests, there are certain limitations to modifying your information. Specifically, we cannot delete your personal information without also deleting your account. Additionally, we may refrain from making changes if doing so would violate any legal requirements or cause inaccuracies.

It's important to be aware that even if you delete your user contributions from the Services, copies of your contributions may still exist in cached or archived pages, or may have been copied or stored by other users. Please refer to the Website's terms of use for guidelines on proper access and usage of the Services.

6. Information Security

GenovaFinancial.com is committed to safeguarding your personal information against accidental loss and unauthorized access, use, alteration, and disclosure. We have implemented a range of security measures to ensure the protection of your data. All information you provide to GenovaFinancial.com is stored on secure servers protected by firewalls. Additionally, we utilize SSL (Secure Sockets Layer) technology to encrypt all payment transactions, enhancing the security of your financial data.

However, it's important to recognize that ensuring the safety and security of your information is a collaborative effort. When GenovaFinancial.com grants you access to certain parts of the Services via a password, you must keep this password confidential. We strongly advise against sharing your password with anyone else. Furthermore, exercise caution when sharing information through the Services, as any data you disclose online may be accessible to other users of the Services or third-party networks.

Please be aware that while GenovaFinancial.com employs robust security measures, the transmission of information over the Internet is not entirely secure. Despite our best efforts, we cannot guarantee the absolute security of your personal information transmitted through the Website or the Services. Any transmission of personal information is undertaken at your own risk. GenovaFinancial.com cannot be held responsible for any circumvention of our privacy settings or security measures.

Your privacy and security are of paramount importance to us, and we continuously strive to maintain the highest standards of data protection. If you have any concerns about the security of your personal information or suspect any unauthorized access, please don't hesitate to contact us.

7. Users Outside the United States

This policy primarily addresses the collection of information on or through the Website or the Services from residents of the United States. If you are accessing the Website from outside the United States, please note that your information may be transferred to, stored, and processed in the United States, where our servers are located. It's important to recognize that the data protection and other laws in the United States may differ from those in your country.

Rest assured, GenovaFinancial.com endeavors to take reasonable measures to ensure that your privacy is safeguarded. By using our services, you acknowledge and consent to the transfer of your information to GenovaFinancial.com's facilities in the United States and to third parties with whom GenovaFinancial.com shares information as outlined in this policy.

When you provide personal information to GenovaFinancial.com through the Website or the Services, you consent to the processing of your data in the United States or any other country where GenovaFinancial.com, its affiliates, subsidiaries, or service providers host these services. We are committed to upholding the highest standards of data protection and privacy, regardless of your location.

If you have any questions or concerns about the processing of your information, please feel free to contact us.

8. California Consumer Privacy Rights (CCPA)

Under California Civil Code § 1798.83, California residents who are users of the Website have the right to request certain information regarding the Company's disclosure of personal information to third parties for their direct marketing purposes. If you are a California resident and would like to exercise this right, please contact us via email at [email protected].

Additionally, if you are a California resident and wish to opt out of the disclosure of your personal information to third parties for marketing purposes, you can do so by using this form. Please note that if you choose to opt-out, you may still receive certain communications directly from GenovaFinancial.com per California law. We strive to uphold your privacy preferences while ensuring compliance with applicable regulations.

If you have any questions or concerns, please don't hesitate to reach out to us.

9. Data Retention

GenovaFinancial.com will only retain your Data for as long as it's necessary to fulfill the purposes outlined in this Privacy Policy. We will keep and utilize your Data to the extent required to comply with legal obligations, such as retaining your data to adhere to applicable laws, resolve disputes, and enforce our legal agreements and policies.

Additionally, GenovaFinancial.com will retain Usage Data for internal analysis purposes. Usage Data is typically kept for a shorter duration, unless it's utilized to enhance security, improve Service functionality, or if legal obligations mandate its retention for longer periods. We are committed to maintaining the integrity and security of your data while ensuring compliance with legal requirements.

If you have any questions regarding data retention practices, please feel free to contact us at [email protected].

10. Data Transfer

Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction, where data protection laws may differ from those in your jurisdiction.

If you are located outside the United States and choose to provide information to us, please be aware that we transfer the data, including Personal Data, to the United States and process it there.

By consenting to this Privacy Policy and submitting such information, you agree to the transfer of your data as described herein.

GenovaFinancial.com is committed to taking all necessary steps to ensure that your data is treated securely and per this Privacy Policy. We will not transfer your Personal Data to any organization or country unless adequate controls are in place to ensure the security of your data and other personal information. Your privacy and security are our top priorities, and we strive to uphold the highest standards of data protection.

If you have any questions or concerns about data transfers, please feel free to contact us at [email protected].

11. Data Disclosure

GenovaFinancial.com may disclose your Data in good faith belief that such action is necessary to:

Comply with a legal obligation.
Protect and defend the rights or property of GenovaFinancial.com LLC.
Prevent or investigate possible wrongdoing in connection with the Service.
Protect the personal safety of users of the Service or the public.
Protect against legal liability.
Valid request by Law Enforcement, a court, or a government agency.

We are committed to upholding legal requirements and ensuring the safety and security of our users and the public. If you have any questions or concerns regarding the disclosure of your Personal Data, please contact us.

12. Analytics

We may utilize third-party Service Providers to monitor and analyze the usage of our Service.

Google Analytics

Google Analytics is a web analytics service provided by Google that tracks and reports website traffic. Google utilizes the data collected to track and monitor the usage of our Service. This data may be shared with other Google services. Google may use the collected data to personalize the ads of its advertising network.

You can opt out of allowing Google Analytics to track your activity on our Service by installing the Google Analytics opt-out browser add-on. This add-on prevents Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about your visit activity.

For more information regarding Google’s privacy practices, please visit theGoogle Privacy & Terms webpage.

13. Payment Services

Within our Service, we may offer paid products and/or services. In such instances, we utilize third-party services for payment processing, such as payment processors.

Please note that we do not store or collect your payment card details. This information is directly provided to our third-party payment processors, whose use of your personal information is governed by their respective Privacy Policies. These payment processors adhere to the standards set by PCI-DSS (Payment Card Industry Data Security Standard), managed by the PCI Security Standards Council, a collaborative effort of major brands including Visa, Mastercard, American Express, and Discover. Compliance with PCI-DSS requirements ensures the secure handling of payment information.

14. Changes to the Privacy Policy

GenovaFinancial.com will publish any modifications made to this policy on this page. In the event of material changes to how we handle your personal information, we will notify you via email to the email address associated with your account or through a notice on the homepage of the Website. The last update to this policy is indicated at the top of the page.

It is your responsibility to ensure that we have an accurate and current email address for you and to regularly check the Website and this policy for any updates or changes. We encourage you to stay informed about how we collect, use, and protect your personal information by reviewing this policy periodically.

15. Contact Us

If you have any questions or concerns about our Privacy Policy or the handling of your personal information, please contact us:

By Email:

[email protected]

By Mail:

HILLBROOK FINANCIAL LLC

1500 Center St Ste 1, Bethlehem, Pennsylvania 18018-2539

610-868-7801