Privacy Policy

Updated: April 1, 2021 by FinPins

Effective as of December 31, 2019

Our website address is: https://www.finlightened.com

Protecting your private information is our priority. This Statement of Privacy applies to

www.finlightened.com and Brilliant Solutions LLC and governs data collection and usage. For the

purposes of this Privacy Policy, unless otherwise noted, all references to Brilliant Solutions LLC

include www.finlightened.com. The Brilliant Solutions LLC website is a Personal Finance site. By

using the Brilliant Solutions LLC website, you consent to the data practices described in this

statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our Site, Brilliant Solutions

LLC may collect personally identifiable information, such as your:

If you purchase Brilliant Solutions LLC’s products and services, we collect billing and credit card

information. This information is used to complete the purchase transaction.

Brilliant Solutions LLC may also collect anonymous demographic information, which is not unique

to you, such as your:

We do not collect any personal information about you unless you voluntarily provide it to us.

However, you may be required to provide certain personal information to us when you elect to use

certain products or services available on the Site. These may include: (a) registering for an account

on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c)

signing up for special offers from selected third parties; (d) sending us an email message; (e)

submitting your credit card or other payment information when ordering and purchasing products

and services on our Site. To wit, we will use your information for, but not limited to,

communicating with you in relation to services and/or products you have requested from us. We

also may gather additional personal or non-personal information in the future.

Use of your Personal Information

Brilliant Solutions LLC collects and uses your personal information to operate its website(s) and

deliver the services you have requested.

Brilliant Solutions LLC may also use your personally identifiable information to inform you of other

products or services available from Brilliant Solutions LLC and its affiliates.

Sharing Information with Third Parties

– First and Last Name

– E-mail Address

– Age

– Gender

– Household Income

Brilliant Solutions LLC does not sell, rent or lease its customer lists to third parties.

Brilliant Solutions LLC may, from time to time, contact you on behalf of external business partners

about a particular offering that may be of interest to you. In those cases, your unique personally

identifiable information (e-mail, name, address, telephone number) is transferred to the third party.

Brilliant Solutions LLC may share data with trusted partners to help perform statistical analysis,

send you email or postal mail, provide customer support, or arrange for deliveries. All such third

parties are prohibited from using your personal information except to provide these services to

Brilliant Solutions LLC, and they are required to maintain the confidentiality of your information.

Brilliant Solutions LLC may disclose your personal information, without notice, if required to do so

by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the

law or comply with legal process served on Brilliant Solutions LLC or the site; (b) protect and

defend the rights or property of Brilliant Solutions LLC; and/or (c) act under exigent circumstances

to protect the personal safety of users of Brilliant Solutions LLC, or the public.

Tracking User Behavior

Brilliant Solutions LLC may keep track of the websites and pages our users visit within Brilliant

Solutions LLC, in order to determine what Brilliant Solutions LLC services are the most popular.

This data is used to deliver customized content and advertising within Brilliant Solutions LLC to

customers whose behavior indicates that they are interested in a particular subject area.

_________________

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by

Brilliant Solutions LLC. This information can include: your IP address, browser type, domain

names, access times and referring website addresses. This information is used for the operation of

the service, to maintain quality of the service, and to provide general statistics regarding use of the

Brilliant Solutions LLC website.

Use of Cookies

The Brilliant Solutions LLC website may use “cookies” to help you personalize your online

experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies

cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely

assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The

purpose of a cookie is to tell the Web server that you have returned to a specific page. For

example, if you personalize Brilliant Solutions LLC pages, or register with Brilliant Solutions LLC

site or services, a cookie helps Brilliant Solutions LLC to recall your specific information on

subsequent visits. This simplifies the process of recording your personal information, such as billing

addresses, shipping addresses, and so on. When you return to the same Brilliant Solutions LLC

website, the information you previously provided can be retrieved, so you can easily use the

Brilliant Solutions LLC features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept

cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you

choose to decline cookies, you may not be able to fully experience the interactive features of the

Brilliant Solutions LLC services or websites you visit.

Links

This website contains links to other sites. Please be aware that we are not responsible for the

content or privacy practices of such other sites. We encourage our users to be aware when they

leave our site and to read the privacy statements of any other site that collects personally

identifiable information.

Children Under Thirteen

Brilliant Solutions LLC does not knowingly collect personally identifiable information from children

under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian

for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of

certain information. Users may opt-out of receiving any or all communications from third-party

partners of Brilliant Solutions LLC by contacting us here:

– Email: [email protected]

E-mail Communications

From time to time, Brilliant Solutions LLC may contact you via email for the purpose of providing

announcements, promotional offers, alerts, confirmations, surveys, and/or other general

communication. In order to improve our Services, we may receive a notification when you open an

email from Brilliant Solutions LLC or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from

Brilliant Solutions LLC, you may opt out of such communications by emailing ‘unsubscribe’ to

email address: [email protected]

Cookies Declaration

Changes to this Statement

Brilliant Solutions LLC reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

California Residents – Effective January 1, 2020

If you are a California resident, the information below also applies to you. Certain terms used in this section have the meanings given to them in the California Consumer Privacy Act of 2018 (“CCPA”).

Categories of PI Finlightened may have collected from or about its members in the preceding 12 months

• Identifiers (e.g. name, mailing address, email address, phone number, credit/debit card number)
• Commercial information (e.g. products or services purchased, purchase history)

Categories of PI Finlightened has sold about members in the preceding 12 months

• None

Categories of Sources from which Finlightened has collected PI about members

• Direct input of information into Finlightened website or mobile applications.
• Account usage.
• Passive collection of electronic information.
• Communications with Finlightened.
• Referred email address.

Business or Commercial Purposes for which Finlightened has collected PI about members in the preceding 12 months

• Supporting services.
• Authorizing access to Finlightened.
• Communicating about service-related issues.
• Sending marketing, advertising, and promotional messages.
• Analyzing how users interact with Finlightened’s services.
• Maintaining, improving, and optimizing Finlightened’s services as well as developing new services.
• Complying with legal requirements.

Categories of PI Finlightened has disclosed for a business purpose in the preceding 12 months

• Identifiers.

Non-Discrimination

Finlightened will not discriminate against you because you exercise your rights.  For example, Finlightened will not deny you goods or services or charge you a different price or rate for goods or services if you make an access, deletion, or do not sell request.

Financial Incentive Program

Finlightened does not offer a financial incentive program

Rights for California Consumers

You have the following rights under the CCPA –

The right to make requests (no more than twice in a 12-month period) as follows:

1. Access Request
   1. Categories of personal information (“PI”) we collected about you during the preceding 12 months
   1. Categories of sources from which PI is collected
   1. Business or commercial purpose for collecting or selling PI
   1. Specific pieces of PI we collected about you
   1. Categories of PI Finlightened has sold about you
   1. Categories of third parties to whom the PI was sold
   1. Categories of PI disclosed about you for a business purpose
   1. Categories of third parties to whom PI was disclosed for a business purpose
2. Deletion Request
   1. Request Finlightened delete your PI. Please note that, if you are a member, certain account information is necessary to maintain your membership and so a request to delete personal information will delete your account. If you would like to continue your membership after deletion, you will need to set up a new membership account, which will be devoid of all prior order history or other information. Please contact Finlightened at [email protected] about such request. Please be aware that if you do not contact Finlightened within seven (7) days of your deletion request, we will not be able to continue your membership through a secondary account.
3. Do Not Sell My Info
   1. Request Finlightened opt you out of the sale of your PI. Click this link: Do Not Sell My Personal Information.

Submit Requests

• Access Requests
  • If you are a member, you may request the disclosure of personal information collected by Finlightened through the “Data & Privacy” feature on your Account page. Or, you may contact Finlightened for privacy-related requests via email to [email protected]
  • If you are a non-member, and you believe Finlightened has collected information about you, and would like to exercise your right to obtain a disclosure of that personal information, contact Finlightened via email to [email protected]
• Deletion Requests
  • If you are a member, you may request the deletion of personal information collected by Finlightened through the “Data & Privacy” feature on your Account page. Or, you may contact Finlightened for privacy-related requests via email to [email protected]
  • If you are a non-member, and you believe Finlightened has collected information about you, and would like to exercise your right to obtain deletion of that personal information, contact Finlightened via email to [email protected]
• Do Not Sell My Info Requests
  • See Below

Do Not Sell My Personal Information

Finlightened does not sell data to any third-party organization.

To opt out of your participation in data sharing, please click the “Do Not Sell Data” button below. Please be aware that you must be signed in to effectively use the below button.

Privacy Statements regarding social media login, commenting, and sharing

Super Socializer – Social Login

We collect your public profile data only from your consent that you grant before initiating Social Login, from the social network used to login at our website. This data includes your first name, last name, email address, link to your social media profile, unique identifier, link to social profile avatar. This data is used to create your user profile at our website. You can revoke this consent at any time by sending us an email.

Heateor Login

We collect your public profile data only from your consent that you grant before initiating Facebook Login, from the social network used to login at our website. This data includes your first name, last name, email address, unique identifier, link to social profile avatar. This data is used to create your user profile at our website. You can revoke this consent at any time by sending us an email.

Facebook Comments

We embed Facebook Comments plugin to allow you to leave comment at our website using your Facebook account. This plugin may collect your IP address, your web browser User Agent, store and retrieve cookies on your browser, embed additional tracking, and monitor your interaction with the commenting interface, including correlating your Facebook account with whatever action you take within the interface (such as “liking” someone’s comment, replying to other comments), if you are logged into Facebook. For more information about how this data may be used, please see Facebook’s data privacy policy: https://www.facebook.com/about/privacy/update

GooglePlus Comments

We use GooglePlus Comments widget at our website for you to be able to comment at our webpages using your GooglePlus account. From this interaction Google automatically collects and store certain information in server logs like IP address, device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request, in accordance with their data privacy policy: https://policies.google.com/privacy

Disqus Comments

We use Disqus Comments widget at our website for you to be able to comment at our webpages using Disqus commenting system. Disqus may collect information about you when you register for and use the Service. Such information may include “Personally Identifiable Information” which means information that identifies you as an individual, such information may include, but is not limited to, your name, email address, telephone number, username or account ID, and “Non-Personally Identifiable Information” which means information that does not identify you as an individual. Non-Personally Identifiable Information may include, but is not limited to, information about your browser, your IP address, device ID, what pages you visit on our Partner Sites, which website you came from, what advertisements you clicked on, whether on our Partner Websites, the Service or other third party websites, and other information about your online activity that does not identify you as an individual, in accordance with their data privacy policy: https://help.disqus.com/terms-and-policies/disqus-privacy-policy

Fancy Facebook Comments Pro

We collect the data related to the Facebook Comment you post, only from  your consent that you grant before posting Facebook Comment at our website. This data includes your Facebook account name, unique Facebook account identifier, unique identifier associated to the posted Facebook comment, unique open graph object identifier of the webpage at which you posted the comment, unique identifier associated to the parent comment if you reply to an existing comment. This data is used to show recent Facebook Comments made all over our website. You can revoke this consent at any time by unchecking the opt-in displayed above comment box

We send the Facebook Comment you post, to page/post author and/or website administrator via automated email, only from your consent that you grant before posting Facebook Comment at our website. This data includes just the  Facebook comment posted by you. You can revoke this consent at any time by unchecking the opt-in displayed above comment box

Facebook Comments Moderation

We collect the data related to the Facebook Comment you post, only from  your consent that you grant before posting Facebook Comment at our website. This data includes your Facebook account name, unique Facebook account identifier, unique identifier associated to the posted Facebook comment, unique open graph object identifier of the webpage at which you posted the comment, unique identifier associated to the parent comment if you reply to an existing comment. This data is used to show recent Facebook Comments made all over our website. You can revoke this consent at any time by unchecking the opt-in displayed above comment box

Facebook Comments Notifier

We send the Facebook Comment you post, to page/post author and/or website administrator via automated email, only from your consent that you grant before posting Facebook Comment at our website. This data includes just the  Facebook comment posted by you. You can revoke this consent at any time by unchecking the opt-in displayed above comment box

Social Analytics for Sharing 

We use Google Analytics to track social shares made at our website. Google automatically collect and store certain information in their server logs which includes device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL, cookies that may uniquely identify your browser or your Google Account, in accordance with their data privacy policy: https://policies.google.com/privacy

Facebook Like, Facebook Recommend, Facebook Share official buttons

We embed a Facebook widget to allow you to see number of likes/shares/recommends and “like/share/recommend” our webpages. This widget may collect your IP address, your web browser User Agent, store and retrieve cookies on your browser, embed additional tracking, and monitor your interaction with the widget, including correlating your Facebook account with whatever action you take within the widget (such as “liking/sharing/recommending” our webpage), if you are logged in to Facebook. For more information about how this data may be used, please see Facebook’s data privacy policy: https://www.facebook.com/about/privacy/update

Twitter Tweet official button

We use a Twitter Tweet widget at our website. As a result, our website makes requests to Twitter’s servers for you to be able to tweet our webpages using your Twitter account. These requests make your IP address visible to Twitter, who may use it in accordance with their data privacy policy: https://twitter.com/en/privacy#update

GooglePlus, GooglePlus Share official buttons

We use a GooglePlus widget at our website. As a result, our website makes requests to Google’s servers for you to be able to share our webpages using your GooglePlus account. These requests make your IP address visible to Google, who may use it in accordance with their data privacy policy: https://policies.google.com/privacy

Linkedin Share official button

We use a Linkedin Share widget at our website to allow you to share our webpages on Linkedin. These requests may track your IP address in accordance with their data privacy policy: https://www.linkedin.com/legal/privacy-policy

Pinterest Save official button

We use Pinterest Save widget at our website to allow you to pin images to Pinterest from our webpages. These requests may track your IP address in accordance with their data privacy policy: https://policy.pinterest.com/en/privacy-policy

Buffer official button

We use Buffer widget at our website to allow you to add our webpages to your Buffer account, which collects log data from your browser. This Log Data may include information such as your IP address, browser type or the domain at which you are interacting with the widget, in accordance with their privacy policy: https://buffer.com/privacy

Xing Share official button

We use Xing Share widget at our website to allow you to share our webpages on Xing and this let Xing collate data about you automatically by means of tracking, in accordance with their privacy policy: https://privacy.xing.com/en/privacy-policy

Reddit Badge official button

We use Reddit Badge widget at our website which may log information when you interact with the widget. This may include your IP address, user-agent string, browser type, operating system, referral URLs, device information (e.g., device IDs), pages visited, links clicked, user interactions (e.g., voting data), the requested URL and hardware settings, in accordance with their privacy policy: https://www.redditinc.com/policies/privacy-policy

StumbleUpon Badge official button

We use StumbleUpon Badge widget at our website which may log information when you interact with the widget. Log Data is a form of Non-Identifying Information, in accordance with their privacy policy: http://www.stumbleupon.com/privacy

How to Contact Us

If you have questions about this Privacy Policy, you can contact us:
Send e-mail to: [email protected]htened.com

Contact Information

Brilliant Solutions LLC welcomes your questions or comments regarding this Statement of Privacy.
Please contact Brilliant Solutions LLC at:

[email protected]