Effective Date: January 1, 2020
Aumil and Associates Private Consultant Firm ("Aumil and Associates," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we may collect, use, disclose, and protect the information gathered through our website, interactions, and services.
1.Information We Collect
- The collection of personal information is often governed by privacy laws such as the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. §§ 6801–6809. This requires financial institutions and businesses that collect personal financial information to safeguard customer information and disclose how it is shared.
- For email and electronic communications, the CAN-SPAM Act, 15 U.S.C. § 7701 et seq., regulates how companies collect email addresses and communicate electronically.
- How We Use Your Information
- The use of personal information for providing services, communications, and processing payments may be subject to the Electronic Fund Transfer Act (EFTA), 15 U.S.C. §§ 1693 et seq., which regulates the collection and use of consumer payment information.
- Compliance with legal obligations could invoke the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., which sets standards on how consumer information can be used for decision-making purposes.
- Information Sharing and Disclosure
- The GLBA (15 U.S.C. § 6802) governs when and how financial institutions may disclose nonpublic personal information to non-affiliated third parties.
- Disclosures required by law may fall under 18 U.S.C. § 2703 for the disclosure of stored communications and information to governmental entities under certain circumstances.
- Data Security
- Companies are required to implement security measures to protect customer information under the GLBA, 15 U.S.C. § 6801(b), which mandates the protection of sensitive information and prevention of unauthorized access.
- Failure to secure personal information may also be scrutinized under Federal Trade Commission (FTC) Act Section 5, 15 U.S.C. § 45, which prohibits unfair or deceptive acts in commerce.
- Your Choices and Rights
- The rights to access, correction, and deletion of personal information align with the Fair and Accurate Credit Transactions Act (FACTA), 15 U.S.C. § 1681g(a), and Right to Financial Privacy Act (RFPA), 12 U.S.C. §§ 3401–3422, which provide consumers the right to access and correct their personal financial information.
- The right to opt-out from marketing communications can be referenced under the CAN-SPAM Act, 15 U.S.C. § 7704(a).
- Children’s Privacy
- The Children’s Online Privacy Protection Act (COPPA), 15 U.S.C. §§ 6501–6506, governs the collection of personal information from children under the age of 13 and ensures strict regulations for businesses targeting children.
- Changes to this Privacy Policy
- Revisions to the policy and notifying users align with FTC guidelines for fair information practices under Section 5 of the FTC Act (15 U.S.C. § 45), which emphasizes transparency and updates to privacy practices.
8. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at support@aumilandassociates.com.
Thank you for trusting Aumil and Associates Private Consultant Firm with your personal information.