Legal

Terms and Conditions 

The following terms (“Terms of Use”) constitute an agreement between Wealth Media, Inc. (“Wealth Media”), and you that governs your use of this website and all of its associated services, content, and functionality. This policy applies to the website administered by Wealth Media (the “Website”), located at https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/ (“Barbara Friedberg Personal Finance”). Wealth Media, owner and operator of the Website, is a corporation incorporated under the laws of the state of Ohio, United States. 

Your use of the Website constitutes your acceptance of, and agreement to, the following Terms of Use. Wealth Media reserves the right to modify, alter, amend or update its Website, policies and these Terms of Use. These Terms of Use are subject to change without notice. If you do not agree with or do not accept any part of these Terms of Use, you must not use the Website. 

Privacy Policy 

The following privacy policy (“Privacy Policy”) sets forth Wealth Media, LLCs (“Wealth Media”) policy with respect to information, including personally identifiable data (“Personal Data”) and other information, Wealth Media collects from visitors to the Wealth Media website located at https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/ (“Website”).  

We respect your privacy and are committed to protecting it. The purpose of this Privacy Policy is to inform you what Personal Data we may collect and how it may be used. This statement only applies to this Website.  This Privacy Policy does not apply to information of any kind that we collect by means (including offline means) or from sources other than those specified herein. 

Information we Collect and How it is Used 

• Information You Voluntarily Submit to the Website: The Website may collect personal information from you such as your name or email address. For example, you may voluntarily submit information to the Website by leaving a comment, subscribing to a newsletter, or submitting a contact form. Personal Data may include, but is not limited to, your name, email address, and phone number. 

• Our legal basis for processing this information is your consent, and by voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. If you provide Personal Data to us, you acknowledge and agree that such Personal Data may be transferred and stored from your current location to the offices and servers used by Robo-Advisor Pros and the authorized third parties referenced below. 

• Information We Collect from Others: The Website may receive information about you from other sources. For example, if you use a third-party software through the site, they may transfer information to us for fulfillment. We do not control the data privacy or protection policies of third parties, and we are not responsible for the privacy practices of these third parties. Our legal basis for processing this information is our legitimate interests, namely monitoring and improving our services and the legitimate interests of our customers. 

• Automatically-Collected Information: The Website automatically collects certain information about you and the device with which you access the Website. For example, when you use the Website, The Website will log your IP address, operating system type, browser type, referring website, pages you viewed, and the dates/times when you accessed the Website. The Website may also collect information about actions you take when using the Website, such as links clicked. 

• Cookies: The Website may log information using cookies, which are small data files stored on your browser by the Website. The Website may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until deleted, to provide you with a more personalized experience on the Website. 

How Your Information Might be Used 

The Website might use the information collected in the following ways: 

• To operate and maintain the Website. 
• To send you promotional information, such as newsletters. Each email promotion will provide information on how to opt-out of future mailings. 
• To send you administrative communications, such as administrative emails, confirmation emails, technical notices, updates on policies, or security alerts. 

• To respond to your comments or inquiries. 
• To provide you with user support. 
• To track and measure advertising on the Website. 
• To protect, investigate, and deter against unauthorized or illegal activity. 

Legal Bases for Processing Data Under the General Data Protection Regulation (“GDPR”) 

Below are the types of lawful basis that we will rely on to process your Personal Data: 

• Legitimate Interest means the interest of our business in conducting and managing our business to enable us to give you the best service/product and the best and most secure experience. We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your Personal Data for our legitimate interests. We do not use your Personal Data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).  
• Performance of Contract means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract. 
• Comply with a legal or regulatory obligation means processing your Personal Data where it is necessary for compliance with a legal or regulatory obligation that we are subject. 
• Consent means where you have consented to a certain use of your Personal Data. 

Third-Party use of Personal Information 

Wealth Media may share your Personal Data with certain third parties as set forth below: 

Third-Party Vendors: We may share your information with third-party vendors or service providers who help us provide the Services or the Website, including database hosting and data processing services, and assist us in responding to requests by you for information that you request. 

Parent Companies and Affiliates: We may share your information with a parent company, any subsidiaries, joint ventures, or other companies under a common control (collectively, “Affiliates”), provided that we require our Affiliates to honor this Privacy Policy. 

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. 

Related Companies: We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy. 

Third Parties with Permission: We may share your information with third parties to whom you ask us to send your information. 

Agents, Consultants, and Related Third Parties: Wealth Media, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and processing payments. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function. 

Legal Requirements: Wealth Media may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation or to respond to requests from law enforcement or other government officials relating to investigations or alleged illegal activity or in connection with our own investigation of suspected or actual illegal activity, in which case we may (and you hereby authorize us to) disclose information without subpoenas or warrants served on us, (ii) protect and defend the rights or property of Wealth Media, (iii) act in urgent circumstances to protect the personal safety of users of the Website or the public, (iv) protect against legal liability including to resolve disputes, investigate problems, or enforce our customer contracts. 

The Website may share your information with third parties when you explicitly authorize us to share your information. Additionally, the Website may use third-party service providers to service various aspects of the Website. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies. The Website currently uses the following third-party service providers: 

• Google Analytics, Google Search Console – these services track Website usage and provides information such as referring websites and user actions on the Website. Google Analytics might capture your IP address, but no other personal information is captured by Google Analytics. Google Tag Manager may also use a tracking pixel to track your data after you provide information to the Website. 
• Aweber – this service is used for delivery of email updates and newsletters. We store your name and email address for purposes of delivering such communications. 
• OptinMonster – this service might be used to provide information to newsletter subscribers.  This service may capture your name and email address. 
• Crazy Egg – This service allows us to aggregate scroll and click data on certain pages of our site. It also allows us to collect feedback from people who visit our site. 
• Influencer Networks – from time to time, as described herein, the Website may post sponsored content which contains tracking pixels for networks.  These tracking pixels may capture information such as your IP address to evaluate the effectiveness of the marketing campaigns. This information is not stored on the Website. 

At this time, your personal information is not shared with any other third-party applications. This list may be amended from time to time in the Website’s sole discretion. 

Except when required by law, Wealth Media will not sell, distribute, or reveal your email addresses or other personal information without your consent; however, Wealth Media may disclose or transfer personal information collected through the Website to third parties who acquire all or a portion of our business, which may be the result of a merger, consolidation, or purchase of all or a portion of our assets, or in connection with any bankruptcy or reorganization proceeding brought by or against us. 

Anonymous Data 

From time to time, Wealth Media may use anonymous data, which does not identify you alone, or when combined with data from other parties. This type of anonymous data may be provided to other parties for marketing, advertising, or other uses. Examples of this anonymous data may include analytics or information collected from cookies. 

Cookies 

The Website uses cookies to store visitors’ preferences, record user-specific information on what pages users access or visit, ensure that visitors are not repeatedly sent the same banner ads, customize content based on visitors’ browser type or other information that the visitor sends. Cookies may also be used by third-party services, such as Google Analytics, as described herein. 

Users may, at any time, prevent the setting of cookies, by the Website, by using a corresponding setting of your internet browser and may thus permanently deny the setting of cookies. Furthermore, already set cookies may be deleted at any time via an Internet browser or other software programs. This is possible in all popular Internet browsers. However, if users deactivate the setting of cookies in your Internet browser, not all functions of our Website may be entirely usable. 

Advertising 

Retargeting Ads 
From time to time, the Website may engage in remarketing efforts with third-party companies, such as Google, Facebook, Microsoft, LinkedIn, Reddit, Snapchat, Quora, or Instagram, in order to market the Website. These companies use cookies to serve ads based on someone’s past visits to the Website. This means, after visiting the Website, you may see an ad for our services. However, your personally identifiable information is not used by any remarketing service other than to present you offers from Wealth Media. We use or may use in the future, the following third-party service providers for remarketing: 

• Facebook: Opt-out of Facebook remarketing here (using currently) 
• Google: Opt-out of Google remarketing here 
• Microsoft: Opt-out of Microsoft remarketing here  

Newsletters 
On the Website, you may subscribe to our newsletter, which may be used for advertising purposes. All newsletters sent may contain tracking pixels. The pixel is embedded in emails and allows an analysis of the success of online marketing campaigns. Because of these tracking pixels, Wealth Media may see if and when you open an email and which links within the email you click. Also, this allows Wealth Media to adapt the content of future newsletters to the interests of the user. This behavior will not be passed on to third parties. 

Rights Related to Your Personal Information 

Under laws in certain countries in which we operate, customers and other visitors to our Website from those countries have a right to access Personal Data about themselves, and to amend, correct or delete Personal Data that is inaccurate, incomplete or outdated.  We will, upon request, provide you with confirmation regarding whether we are processing Personal Data about you, consistent with applicable law. In addition, upon your request, we will take reasonable steps to correct, amend, or delete your Personal Data that is found to be inaccurate, incomplete or processed in a manner non-compliant with this Privacy Policy or applicable law, except where the burden or expense of providing access would be disproportionate to the risks to your privacy, where the rights of persons other than you would be violated or where doing so is otherwise consistent with applicable law. Unless prohibited by applicable law, we reserve the right to charge a reasonable fee to cover costs for providing copies of Personal Data that you request. 

Please note that while any amendments, corrections or deletions will be reflected in active user databases (as updated with a reasonable period of time), we may retain all Personal Data for backups, archiving, prevention of fraud and abuse, analytics, and satisfaction of other legal obligations we reasonably believe applicable. 

You authorize us to use and disclose any new or modified information that you provide in accordance with this Privacy Policy, and you agree that we are under no obligation to delete or modify information that you have previously chosen to provide us as to which you have not instructed us to take such action. Please remember, however, that if we have already disclosed some of your Personal Data to third parties, we cannot access that Personal Data any longer and cannot force the deletion or modification of any such information by the parties to whom we have made those disclosures. 

We may retain your Personal Data to comply with laws, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigations, enforce our contracts, and take other actions otherwise permitted by law. 

Opt-out – If you send us an email with questions or comments, we may use your personally identifiable information to respond to your questions or comments, and we may save your questions or comments for future reference. For security reasons, we do not recommend that you send non-public personal information, such as passwords, social security numbers, or bank account information, to us by email. You may “opt-out” of receiving future commercial email communications from us by clicking the “unsubscribe” link included at the bottom of most emails we send, or as provided below; provided, however, we reserve the right to send you transactional emails such as customer service communications. You may also notify us at https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/ to be removed from our mailing list. 

Access – You request may access the personal information we have about you by submitting a request to https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/. 

Amend – You may contact us at https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/ to amend or update your personal information. 

Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/. 

Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions, or when required by law. 

Sensitive Personal Information 

At no time should you submit sensitive personal information to the Website. This includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships. If you elect to submit such information to us, it will be subject to this Privacy Policy. 

Links to Other Websites 

This Privacy Policy applies only to the Website. The Website may contain links to other websites not operated or controlled by Wealth Media (the “Third-Party Sites”). The policies and procedures described here do not apply to the Third-Party Sites. The links from the Website do not imply that Wealth Media endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies. 

Other Terms and Conditions 

Your access to and use of the Website may also be subject to any separate agreements or terms and conditions you have signed or agreed to with Wealth Media.  Please refer to those agreements as needed. 

Regardless of any other provision in this Privacy Policy, we reserve the right to disclose any personally identifiable or non-personally identifiable information about you to: (a) fulfill a government request; (b) conform with the requirements of the law or legal process; (c) protect or defend our legal rights or property, our Website, or other users; or (d) protect, in an emergency, the health and safety of our customers or the general public. This includes exchanging information with third parties and organizations in connection with credit risk reduction and fraud protection. 

Changes to Wealth Media’s Privacy Policy 

The Website may change from time to time. As a result, at times it may be necessary for Wealth Media to make changes to this Privacy Policy. Wealth Media reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. Your continued use of the Website after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy. 

Children’s Information 

The Website does not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that the Website has personally identifiable information of a child under the age of 16 in its database, please contact us immediately at and https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/ we will use our best efforts to promptly remove such information from our records. 

General Disclaimer 

Wealth Media has made every effort to ensure that all information on the Website has been tested for accuracy. Wealth Media makes no guarantees regarding the results that you will see from using the information provided on the Website. 

Wealth Media disclaims liability for incidental or consequential damages and assumes no responsibility or liability for any loss or damage suffered by any person as a result of use of the information provided on the Website. Wealth Media assumes or undertakes no liability for any loss or damage suffered as a result of the use of any information found on the Website. 

Affiliate Marketing 

From time to time, the Website may engage in affiliate marketing. This means that if you use an affiliate link to make a purchase, the Website will receive a commission on that purchase. All efforts are made to ensure that affiliate links are disclosed in accordance with the FTC. 

Wealth Media is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and links to Amazon.com.  As part of this Amazon Associates program, the Website will post customized links, provided by Amazon, to track the referrals to their website. This program utilizes cookies to track visits for the purposes of assigning commission on these sales. 

Your Responsibility 

The Website was developed strictly for informational purposes. You understand and agree that you are fully responsible for your use of the information provided on the Website. Wealth Media makes no representations, warranties or guarantees. You understand that results may vary from person to person. Wealth Media assumes no responsibility for errors or omissions that may appear in the Website. 

Use of the Website 

Unless otherwise stated, Wealth Media owns the intellectual property and rights to all content and material on the Website. Subject to the license below, all intellectual property rights are reserved. 

You may view, download (for caching purposes only), and print pages for your personal use, subject to the restrictions set out below and elsewhere in these Terms of Use. 

The following uses are not permitted: 

• Republication of content from the Website, unless content is specifically and expressly made available for republication; 
• Sale, rental or sub-license of any content from the Website; 
• Reproduction or duplication of any content on the Website for commercial purposes; 
• Modification of any content on the Website, unless content is specifically and expressly made available for modification; 
• Redistribution of content of the Website, unless content is specifically and expressly made available for redistribution. Users are permitted to share content on social media channels, as long as a link to the Website is included. 

From time to time, the Website will utilize various plugins or widgets to allow sharing of content via social media channels, email or other methods. Use of these plugins or widgets does not constitute any waiver of Wealth Media’s intellectual property rights. Such use is a limited license to republish the content on the approved social media channels, with full credit to Wealth Media. 

You must not use the Website in a way that causes, or may cause, damage to the Website or impairs the availability of access to the Website. You must not decompile, reverse engineer, disassemble or otherwise reduce the Website, except to the extent that such activity is expressly permitted by applicable law. You must not use the Website to copy, store, host, transmit, send, use, publish or distribute any material that consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit and/or other harmful code or malicious software. 

You must not conduct any systematic or automated data collection activities, including, but not limited to scraping, data mining, data extraction or data harvesting on or in relation to the Website without Wealth Media’s express written permission. 

You must not use the Website to transmit or send any unsolicited commercial communications. 

You must not use the Website for any third-party marketing without Wealth Media’s express written permission. 

Copyright 

Unless otherwise noted, the design, content and all components of the Website are copyrights owned by Wealth Media or third parties and are protected by United States and international copyright laws and should not be reused or republished without express written permission. 

Trademarks 

Wealth Media’s trademarks and trade dress may not be used in connection with any product or service that is not Wealth Media’s, in any manner likely to cause confusion among consumers, or in any manner that disparages or discredits Wealth Media, Inc., https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/, or the experts featured on the Website. 

From time to time, the Website will legally utilize trademarks owned by third parties related to Wealth Media’s services. These trademarks are the respective property of their owners. 

Grant of Rights 

You grant Wealth Media a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute any content you contribute to the Website. This includes, but is not limited to, text, images, audio material, comments, video material, and audio-visual material. This license extends to all known and future media. You also grant Wealth Media the right to sub-license these rights and the right to bring an action for infringement of these rights. 

Content Contributed to the Website 

Any content you contribute to the Website, including, but not limited to text, images, audio material, comments, video material and audio-visual material, must not be illegal or unlawful, may not infringe on any third-party’s legal rights, and must not be capable of giving rise to legal action whether against you or Wealth Media or a third party. 

Wealth Media reserves the right to edit or remove: (i) any material submitted to the Website; (ii) stored on Wealth Media’s servers; or, (iii) hosted or published on the Website. Wealth Media takes no responsibility and assumes no liability for any content posted by you or any third party. 

Notwithstanding Wealth Media’s rights under the Terms of Use, Wealth Media does not undertake to monitor the submission of all content to, or the publication of such content on, the Website.   

Takedown Requests 

From time to time, the Website will publish posts with images from other third-party websites. Any such use is intended considered fair use under copyright laws and is fully attributed to the owner. If you believe that your copyrighted work has been used on the Website in a way that includes copyright infringement and falls outside of fair use, please send a request to https://barbarafriedbergpersonalfinancecom.bigscoots-staging.com/contact/ and we will remove the image within 24 to 48 hours. 

Communication 

If you send Wealth Media an email, register to use the Website or provide your email to Wealth Media in any other way, you consent to receive communications from Wealth Media electronically. You agree that all legal notices provided via electronic means from Wealth Media satisfy any requirement for written notice. 

Third Parties 

The Website may contain links to third-party websites that are not governed or controlled by Wealth Media. You represent and warrant that you have read and agree to be bound by all applicable Terms of Use and policies for any third-party website that relates to your use of the Website. Wealth Media assumes no control or liability over the content of any third-party sites. You expressly hold harmless Wealth Media from any and all liability related to your use of a third-party website. 

Prior to engaging in any events or commercial transactions with any third parties discovered through or linked on the Website, you must complete any necessary investigation or due diligence. If there is a dispute for any events or commercial transactions with a third party discovered through or linked on the Website, you expressly hold Wealth Media harmless from any and all liability in any dispute. 

No Warranties 

The Website is provided on an “as is” and “as available” basis without any representations or warranties, expressed or implied. Wealth Media makes no representations or warranties in relation to the Website, or the information and materials provided therein. 

Wealth Media makes no warranty the Website will meet your requirements; will be available uninterrupted; timely and free of viruses or bugs; or represents the full functionality, accuracy, and reliability of the Website. Wealth Media is not responsible to you for the loss of any content or material uploaded or transmitted through the Website. The Website is written in English and makes no warranty regarding translation or interpretation of content in any language.  

Limitation of Liability 

TO THE EXTENT ALLOWABLE BY LAW, WEALTH MEDIA WILL NOT BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED, INCLUDING LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU, WHETHER UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY OR OTHERWISE, EVEN IF THE OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

Indemnity 

You agree to defend, indemnify and hold Wealth Media, its members, employees, officers, directors, managers and agents harmless from and against any and all losses, claims, suits, actions, liabilities, obligations, costs and expenses (including reasonable attorneys’ fees and expenses) which Wealth Media suffers as a result of third-party claims based on: (i) your negligence or intentional misconduct, (ii) your breach of any provision of the Terms of Use (including representation or warranty); (iii) materials prepared or provided by you including, but not limited to, any claims of infringement, or misappropriation of copyright, trademark, patent, trade secret, or other intellectual property or proprietary right, infringement of the rights of privacy or publicity, or defamation or libel; or (iv) death, personal injury, or property damage arising out of, or relating to, your obligations hereunder. 

Miscellaneous Provisions 

If any provision(s) of the Terms of Use is held to be invalid, illegal or unenforceable, the remaining provisions shall be severable and enforceable. If a provision is excessively broad, such a provision shall be limited or reduced in scope so as to be enforceable. 

The Terms of Use may not be assigned by you without Wealth Media’s prior written consent, however, the Terms of Use may be assigned by Wealth Media in its sole discretion. 

The Terms of Use are the final, complete and exclusive agreement of the parties with respect to the Website offered by Wealth Media. 

All notices with respect to the Terms of Use must be in writing and may be sent via email to [email protected] for Wealth Media and to your email address. 

Date updated; March 1, 2021