We respect and honor your privacy! Any and all information collected at this site will be kept strictly confidential and will not be sold, reused, rented, loaned, or otherwise disclosed. Any information you give to Clear Choice Seminars, Inc. will be held with the utmost care, and will not be used in ways that you have not consented to. A more detailed explanation about how we safeguard your personal information is described below. If you have any questions, please contact us.
Joseph R. Caplan
- We’re ABL-Help and ABL-Help Pro part of Clear Chice Seminars, Inc. at 5409 Jerseybelle Ct. Ellicott City, MD 21043 USA. This policy sets out how we handle your personal information if you’re a Clear Choice Seminars, Inc. user or visitor to our Sites. It applies across all Clear Choice Seminars, Inc. products and websites (the “Sites” or "websites")
- When we say ‘we’, ‘us’ or Clear Choice Seminars, Inc. it’s because that’s who we are and we own and run the Sites.
2. The type of personal information we collect
- We collect certain personal information about visitors and users of our Sites.
- The most common types of information we collect include things like: user-names, member names, email addresses, IP addresses, other contact details, survey responses, blogs, photos, payment information such as payment agent details, transactional details, tax information, support queries, forum comments, content you direct us to make available on our Sites (such as item descriptions) and web analytics data. We will also collect personal information from job applications (such as, your CV, the application form itself, cover letter and interview notes).
3. How We Collect Information
- We collect personal information directly when you provide it to us, automatically as you navigate through the Sites, or through other people when you use services associated with the Sites.
- We collect your personal information when you provide it to us when you complete software registration and buy or provide items or services on our Sites, subscribe to a newsletter, email list, submit feedback, request support by e-mail or other computer methods, enter a contest, fill out a survey, or send us a communication.
4. Personal information we collect about you from others
Although we generally collect personal information directly from you, on occasion, we also collect certain categories of personal information about you from other sources. In particular:
- financial and/or transaction details from payment providers located in the US or your country of origin processor in order to process a transaction. We do not collect credit card number information in any manner because third party providers process the payments and do not provide credit card number information for Clear Choice Seminars, Inc.;
- third party service providers (like Google, Facebook, Linked-In) who are located in the US or your country of origin, which may provide information about you when you link, connect, or login to your account with the third party provider and they send us information such as your registration and profile from that service, this only occurs if you are using Clear Choice Seminars, Inc e-mail newsletters. The information varies and is controlled by that service provider or as authorized by you via your privacy settings at that service provider; and
- other third party sources/ and or partners from Australia, Germany, Greece, Netherlands, US or UK, whereby we receive additional information about you (to the extent permitted by applicable law), such as demographic data or fraud detection information, and combine it with information we have about you. For example, fraud warnings from service providers like identity verification service. We also receive information about you and your activities on and off the Clear Choice Seminars, Inc. platform through partnerships, or about your experiences and interactions from our partner ad networks. We also receive information about you from other vendors that integrate our products and support or training is needed.
- Endorsements such as testimonials or other information release when your image, testimonial, endorsement or other information is used in an item made available on our Sites may be directly provided by you.
5. How we use personal information
- To fulfill a contract, or take steps linked to a contract: in particular, in facilitating and processing transactions that take place on the Sites such as where you purchase an item using on-line shopping carts, PayPal, VISA or similar payment processing methods.
- Where this is necessary for purposes which are in our, or third
parties, legitimate interests. These interests include:
- operating the Sites;
- providing you with services described on the Sites;
- verifying your identity when you sign in to any of our Sites;
- responding to support tickets, and helping facilitate the resolution of any disputes;
- updating you with operational news and information about our Sites and services e.g. to notify you about changes to our software products, Sites, website disruptions or security updates;
- carrying out technical analysis to determine how to improve the Sites and services we provide;
- monitoring activity on the Sites, e.g. to identify potential fraudulent activity and to ensure compliance with the user terms that apply to the Sites;
- managing our relationship with you, e.g. by responding to your comments or queries submitted to us on the Sites or asking for your feedback or whether you want to participate in a survey;
- managing our legal and operational affairs (including, managing risks relating to content and fraud matters);
- training Clear Choice Seminars, Inc. staff about how to best serve our user community;
- improving our products and services.
- providing general administrative and performance functions and activities;
- processing your job application to Clear Choice Seminars, Inc.
- Where you
give us consent:
- providing you with marketing information about products and services which we feel may interest you;
- For purposes which are required by law.
- For the purpose of responding to requests by government, a court of law, or law enforcement authorities conducting an investigation.
6. When we disclose your personal information
We will disclose personal information to the following recipients:
- companies that are in the Clear Choice Seminars, Inc. group which are located in the US;
- authors of any items or services made available to you, so they can facilitate support and license validation, who maybe located in any of the countries our products are available in;
- subcontractors and service providers who assist us in connection with the ways we use personal information (as set out above), in particular: website hosting and technical support service providers which are located in Australia, Germany, Greece, Mexico, Netherlands, UK and the US; marketing and analytics services which are located in the US; security and fraud prevention services which are located in the US; subscription management services which are located in the US; payment processing services which are located in the US and your country of origin; identification verification services located in the US; and operational support services which are located in US. Noting that our subcontractors and services providers may also transfer and access such information from other countries in which they have operations.
- our professional advisers (lawyers, accountants, financial advisers etc.) which are located in USA;
- regulators and government authorities in connection with our compliance procedures and obligations;
- a purchaser or prospective purchaser of all or part of our assets or our business, and their professional advisers, in connection with the purchase;
- a third party to respond to requests relating to a criminal investigation or alleged or suspected illegal activity;
- a third party, in order to enforce or defend our rights, or to address financial or reputational risks;
- a rights holder in relation to an allegation of intellectual property infringement or any other infringement; and
- other recipients where we are authorized or required by law to do so.
7. Where we transfer and/or store your personal information
We are based in the USA so your data will be processed in the USA.
Some of the recipients we have described in section 6 above,
and to whom we disclose your personal information, are based in
Countries and Territories outside of the USA. We do this on the basis of your consent to this policy. In
order to protect your information, we take care where possible to work
with subcontractors and service providers who we believe maintain an
acceptable standard of data security compliance.
8. How we keep your personal information secure
Our storage of both our information and
your personal information on secure servers are managed
by us and our service providers, and occasionally hard copy files that
are kept in a secure location in the USA. Personal
information that we store or transmit is protected by security and access
controls, including username and password authentication, multi-factor
authentication, and data encryption where appropriate.
9. How you can access your personal information
You can access some of the personal information that we collect about you by logging in to your account where that feature is available to you. You also have the right to make a request to access other personal information we hold about you (if it exists) and to request corrections of any errors in that data. You can also close the account you have with us for any of our Sites at any time where there is such an account. To make an access or correction request, contact our privacy champion using the contact details at the end of this policy.
10. Marketing Choices regarding your personal information
- Where we have your consent to do so (e.g. if you have subscribed to one of our e-mail lists or have indicated that you are interested in receiving offers or information from us), we send you marketing communications by email about products and services that we feel may be of interest to you. You can ‘opt-out’ of such communications if you would prefer not to receive them in the future by using the “unsubscribe” facility provided in the communication itself.
- You also have choices about cookies, as described below. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject cookies some parts of our Sites may not work properly in your case.
- We do not and will not sell, rent, lease
your personal information to any third parties.
11. Cookies (not the kind with chocolate chips!) and web analytics
- When you visit our
Sites, there’s certain information that’s recorded which is generally
anonymous information and does not reveal your identity. If you’re logged
into your account some of this information could be associated with
your account. We’re talking about the following kinds of details:
- your IP address or proxy server IP address’;
- the domain name you requested;
- the name of your internet service provider is sometimes captured depending on the configuration of your ISP connection;
- the date and time of your visit to the website;
- the length of your session;
- the pages which you have accessed;
- the number of times you access our site within any month;
- the file URL you look at and information relating to it;
- the website which referred you to our Sites; and
- the operating system which your computer uses.
- Occasionally, we maywill
use third party advertising companies to serve ads based on prior visits
to our Sites. For example, if you visit our Sites, you may later see
an add for our products and services when you visit a different Site.
12. Information about appropriate materials by age group
Our websites are suitable for all ages.
13. Information you make public or give to others
14. How long we keep your personal information
15. When we need to update this policy
- We will need to change this policy from time to time in order to make sure it stays up to date with the latest legal requirements and any changes to our privacy management practices.
- When we do change the policy, we’ll make notify you about such changes, where required. A copy of the latest version of this policy will always be available on this page.
16. How you can contact us
If you have any questions about our privacy practices or the way
in which we have been managing your personal information, please contact
our privacy advocate in writing at 5409 Jerseybelle Ct. Ellicott
City, MD, 21043 USA or using our Contact Page.
17. If you’re a user or visitor in the European Economic Area these rights also apply to you:
For the purposes of applicable EU data protection law (including the General Data Protection Regulation 2016/679 (the “GDPR”), we are a ‘data controller’ of your personal information.
18. How you can access your personal information
- You are also entitled to ask us to port your personal information (i.e. to transfer in a structured, commonly used and machine-readable format, to you), to erase it, or restrict its processing. You also have rights to object to some processing that is based on our legitimate interests, such as profiling that we may perform for the purposes of direct marketing, and, where we have asked for your consent to process your data, to withdraw this consent as more fully described below.
rights are limited in some situations – for example, we can demonstrate
that we have a legal requirement to process your personal information.
In some instances, this means that we may retain some data even if you
withdraw your consent.
Where we require your personal information to comply with legal or contractual obligations, then provision of such data is mandatory: if such data is not provided, then we will not be able to manage our contractual relationship with you, or to meet obligations placed on us. In all other cases, provision of requested personal information is optional.
- If you have unresolved concerns you also have the right
to complain to data protection authorities. The relevant data protection
authority will be the data protection authority of the country:
- of your habitual residence;
- of your place of work; or
which you consider the alleged infringement has occurred.