Legal Policies

Updated: 4/25/23

Terms and Conditions

Welcome to BetterWealth! The following Terms and Conditions “Terms” apply to access and use the online functions, products, and services made available to you by BetterWealth, Inc “BetterWealth” including any and all of its subsidiaries and affiliates. You can access BetterWealth’s products and services through our BetterWealth website (betterwealth.com) as well as through websites operated by BetterWealth partners. BetterWealth may maintain phone, email, and additional websites that allow you to access BetterWealth products and services. All of these channels are referred to collectively in this Agreement as the “Site”. Through the Site, you may access many different products and services offered by BetterWealth, its subsidiary and affiliated companies, including, but not limited to: Better Wealth Solutions LLC, Better Wealth Coaching LLC, Better Wealth Capital LLC, and Dariba LLC. We use the name “BetterWealth” to refer to any and all of the companies owned by or affiliated with BetterWealth, Inc. BetterWealth may add new operating companies from time to time to offer additional products and services. To use the Site and to obtain any BetterWealth products or services, you must agree to the Terms, which means your acceptance of this agreement and all other agreements with BetterWealth are effective and binding on you, just as if you had signed the document with pen and ink. PrivacyYour use of the Site is subject to BetterWealth's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices. Electronic CommunicationsVisiting the Site or sending emails to BetterWealth constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing. Your AccountIf you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that BetterWealth is not responsible for third party access to your account that results from theft or misappropriation of your account. BetterWealth and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion. Children Under ThirteenBetterWealth does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use the Site only with permission of a parent or guardian. Links to Third Party Sites/Third Party ServicesThe Site may contain links to other websites "Linked Sites". The Linked Sites are not under the control of BetterWealth and BetterWealth is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. BetterWealth is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by BetterWealth of the Site or any association with its operators. Certain services made available via the Site are delivered by third party sites and organizations. By using any product, service or functionality originating from the the Site domain, you hereby acknowledge and consent that BetterWealth may share such information and data with any third party with whom BetterWealth has a contractual relationship to provide the requested product, service or functionality on behalf of the Site users and customers. No Unlawful or Prohibited Use/Intellectual PropertyYou are granted a non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to BetterWealth that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of BetterWealth or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto. You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. BetterWealth content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of BetterWealth and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of BetterWealth or our licensors except as expressly authorized by these Terms. Use of Communication ServicesThe Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group, known collectively as, "Communication Services”. You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including email addresses, without their consent; violate any applicable laws or regulations. BetterWealth has no obligation to monitor the Communication Services. However, BetterWealth reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. BetterWealth reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever. BetterWealth reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in BetterWealth's sole discretion. Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. BetterWealth does not control or endorse the content, messages or information found in any Communication Service and, therefore, BetterWealth specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized BetterWealth spokespersons, and their views do not necessarily reflect those of BetterWealth. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials. Material OwnershipBetterWealth does not claim ownership of the materials you provide to the Site (including feedback and suggestions) or post, upload, input or submit to any Site or our associated services, collectively known as  "Submissions”. However, by posting, uploading, inputting, providing or submitting your Submission you are granting BetterWealth, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. BetterWealth is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in BetterWealth's sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. Disclaimer of Warranties and Data AccuracyAlthough the data found using the BetterWealth web site have been produced and processed from sources believed to be reliable, no warranty, expressed or implied, is made regarding accuracy, adequacy, completeness, legality, reliability or usefulness of any information. This disclaimer applies to both isolated and aggregate uses of the information. The information is provided on an "as is" basis. All warranties of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, freedom from contamination by computer viruses and non-infringement of proprietary rights are disclaimed. Changes may be periodically made to the information herein; these changes may or may not be incorporated in any new version of the publication. If you have obtained information from BetterWealth from a source other than the BetterWealth web site, be aware that electronic data can be altered subsequent to original distribution. Data can also quickly become out-of-date. It is recommended that careful attention be paid to the contents of any data associated with a file, and that the originator of the data or information be contacted with any questions regarding appropriate use. If you find any errors or omissions, please report them to [email protected]. Third Party AccountsYou will be able to connect your BetterWealth account to third party accounts. By connecting your BetterWealth account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature. International UsersThe Service is controlled, operated and administered by BetterWealth from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use BetterWealth content accessed through the Site in any country or in any manner prohibited by any applicable laws, restrictions or regulations. IndemnificationYou agree to indemnify, defend and hold harmless BetterWealth, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. BetterWealth reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with BetterWealth in asserting any available defenses. ArbitrationIn the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions. Class Action WaiverAny arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. The parties agree that a party may bring claims against the other only in each individual’s capacity, and not as a plaintiff or class member in any putative class, collective and/ or representative proceeding, such as in the form of a private attorney general action against the other. Further, unless both you and BetterWealth agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. Liability DisclaimerThe information, software, products, and services included in or available through the Site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. BetterWealth Inc and/or its suppliers may make improvements and/or changes in the Site at any time. BetterWealth Inc and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the Site for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services and related graphics are provided "as is" without warranty or condition of any kind. BetterWealth Inc and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title and non-infringement. To the maximum extent permitted by applicable law, in no event shall BetterWealth Inc and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Site, with the delay or inability to use the Site or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Site, or otherwise arising out of the use of the Site, whether based on contract, tort, negligence, strict liability or otherwise, even if BetterWealth Inc or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of the Site, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Site. Termination/Access RestrictionBetterWealth reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Wisconsin and you hereby consent to the exclusive jurisdiction and venue of courts in Wisconsin in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section. You agree that no joint venture, partnership, employment, or agency relationship exists between you and BetterWealth as a result of this agreement or use of the Site. BetterWealth's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of BetterWealth's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by BetterWealth with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and BetterWealth with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and BetterWealth with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English. Changes to TermsBetterWealth reserves the right, in its sole discretion, to change the Terms under which the Site is offered. The most current version of the Terms will supersede all previous versions. BetterWealth encourages you to periodically review the Terms to stay informed of our updates. 

BetterWealth welcomes your questions or comments regarding the Terms: 

BetterWealth

1250 Commons Circle #1036

Plover, WI 54467

[email protected]

BetterWealth Privacy Policy 

This Privacy Policy describes how BetterWealth (“we”, “us, or “our”) collects, uses, shares, and secures your personal information in connection with our website, mobile applications, and other digital properties that link to this Privacy Policy (collectively, the “Sites”) and how we provide the Sites, educational materials, digital content, and other services (the “Services”) more broadly. It applies to information collected from and about you in connection with your use of the Sites and Services, as well as from other sources, such as over the telephone with our representatives or from third parties in connection with our Services, and not to External Sites (as defined below). By using the Sites and Services, you consent to the data practices described in this Policy. As providers of Services that involve the use of personal – and sometimes sensitive – information, protecting the confidentiality of that information is a top priority. This means we will never sell your personal information and we use industry standard technical, physical, administrative, and organizational controls, to ensure the security and confidentiality of your data!  We may change this Privacy Policy at any time, and we take such steps as required by applicable law to notify you of any material changes. Your continued use of the Sites or Services following the update and notification means that you consent to our updated policy. I. How and Where We Collect and Use Your Information You can use some of the Sites by just browsing (as a “Visitor”) or by accessing the Sites and Services after creating and maintaining an account, for example, to seek, apply for and/or purchase one or more products through the Sites (as a “Member”).  You may also become a Member by providing us with information (as described below) when you seek, apply for and/or purchase one or more products over the telephone with one of our representatives. Each of Visitors and Members may be referred to in this Privacy Policy by the terms “user,” “you” or “your.” Some of our Services are only available to Members.  1. Sources of Information  The types and sources of personal information we collect depend on the Service utilized, how you interact with us and our Sites, and/or how you were referred to us. The types and sources of information may include: Information that you provide to us directly, for example: using our online tools; on applications or forms; during your transactions and communications with us, our representatives, or our business partners (e.g., phone calls, texts, emails, chats, video conferences, etc). Information generated through your interaction with our Sites, as well as from social networks or other third-party platforms you may use to access our Sites and Services (see “Establishing an Account” and “Social Features” below). 2. Types of Information We Collect and How We Use It: Site Users We collect “Usage Information” which may include: information about the technical mechanisms you used to access the Sites, such as your browser and operating system type; the link that brought you to our Sites; data points that help our analytics function and which tell us what brought you to a particular spot on our Sites; your specific type of mobile device and device ID; and your IP address. We use Usage Information to inspect, analyze, and improve our Sites and Services and ensure they function well with the technology used by our Visitors and Members. In addition to analytics about the demographics of our Sites users, we use your IP Addresses to comply with legal rules applicable based on your location. Newsletters Visitors and Members may sign up for email newsletters by providing their first and last name, and email address. We collect and use information about your engagement with Newsletter communications (e.g. whether you view or click on those communications). Marketing In connection with our marketing campaigns, we collect and use information about your engagement with our marketing communications (e.g. whether you view or click on marketing emails) to make sure that the products and offers that we inform you of are relevant to you. Email and Chat Visitors and Members can communicate with us over email or chat on the Sites by providing their first and last name, and email address. We will use this information to provide products and services relevant to you. Members may also share additional personal information with us over chat or email when communicating about the Services. We may collect this information to provide you with the Services you requested. Customer Surveys and Reviews We may ask you to participate in customer reviews and surveys. If you participate, we may request certain personal information. Participation in these surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes first and last name, contact information (such as email or address), and demographic information (such as zip code). We use this information to evaluate our level of customer service, as well as test and make improvements on our products, Sites, and Services. With your consent, we may use your first and last name, along with your responses, on our Sites, in marketing materials, or on our social media platforms. With your consent, we may pass on your information to a third-party service provider, to assist in resolving errors or make improvements relating to their services. Establishing an Online Account You can establish an online account on the Sites by providing your first and last name, and email address. You may be required to create a password for your account (together with your name and email address, “Login Credentials”). You may also provide your telephone number when creating your account. We may use your email address and telephone number to contact you about the Services and products you have requested.  You may also choose to login via a social network or other third-party platform (e.g. Facebook or Google). We may collect information from that platform, such as your social network alias, email address, first and last name, country of residence, language preference, and profile picture, and use it as described in this Privacy Policy. Our collection and processing of the information we obtain from third-party platforms are also governed by the requirements these platforms impose on us in their relevant terms and conditions. We encourage you to review the privacy policies of such third-party platforms to obtain information regarding their information collection, use, and disclosure policies. Getting Insurance Estimates If you choose to use the Sites and Services to receive an insurance estimate, you will become a Member and will be required to provide us with additional personal information we use in connection with providing the estimate. This may include (depending on the type of insurance) your age, gender, zip code, marital status, employment status, risk tolerance, living situation details, property and vehicle ownership information, family information such as number of children and number of pets, whether you are a homeowner or a renter, your income, amounts of your savings and debts, and general details about your current insurance coverage (collectively, “Estimate Information”), as well as contact information including your first and last name, email address, and telephone number (“Contact Information”).  If you choose to access the Services, receive an insurance estimate, and become a Member over the telephone, you will need to provide the Estimate Information and Contact Information to one of our representatives over the telephone.  We use the Estimate Information to return results to you that assess your current coverage and/or provide recommendations for insurance products. We use the Contact Information to contact you regarding insurance products and Services. Getting Quotes & Applying for Insurance To get an insurance quote and apply for an insurance policy, in addition to the Estimate Information described above, you may need to supply additional information, such as your date of birth, gender, occupation, social security number, address, smoking status, height and weight, family medical history, health history, driving history, and your citizenship status (collectively with Estimate Information, “Application Information”).  “Account Information” will include your Login Credentials, together with your Estimate Information, Contact Information, and Application Information. Policy Information If you apply for insurance, we may collect information about your application or policy from the insurance carrier, for example your policy or application status, payment information, claim information, or Application Information provided directly to the carrier. The Policy Information is used to service your insurance application and/or policy, and to provide you with the Services and products you have requested. Banking and Credit Card Information If you submit a credit card payment through our Services, we do not store credit card information on our own servers or associate it with your Account Information for any purpose other than completing your purchase. Other Uses of Personal Information on our Sites and Services In addition to the above, we may use your personal information to: Otherwise provide, improve, maintain, or optimize the Services;Provide insurers with the required information for applications;Provide or offer other financial and consumer products and services from partners with whom we have entered into a joint marketing agreement;Provide, maintain and improve customer service;Tailor your experience with the Services to your interests;Develop and improve the Sites and the Services;Respond to your inquiries;Communicate with you regarding the products that you purchased through the Sites as well as other products and services that may be of interest to you; and In addition, we may aggregate your personal information with our other users’ personal information and use that information for benchmarking and analysis purposes. Use of Personal Information for Compliance and Protection We may use your personal information to: Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities;Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);Audit our internal processes for compliance with legal and contractual requirements and internal policies;Enforce the terms and conditions that govern the Services; andPrevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft. Cookies and Online Tracking Technologies Our Sites use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer our Sites, track users’ movements around our Sites, and gather demographic information about our user base. Cookies are a small piece of software or text placed on your computer when you visit a website. They are used to store information on web browsers and to store and receive identifiers and other information on computers, telephones, and other devices. They may include data we store on your web browser or device, identifiers associated with your device, and other software. In this Privacy Policy, we refer to all these technologies that store or reference data on your device as “cookies.” If you visit from a mobile device, we may reference your device identifier or other information about where your visit originated. Certain cookies used on our Sites last for ninety or more days.  We use cookies to: Recognize you on return visits and, if you have an account - expedite the login process, help verify and authenticate your account, and help detect fraud; Show ads and to make recommendations for products and services; Measure the performance of ad campaigns;Serve and measure ads across different browsers and devices; andConduct web analytics on usage of our Sites and Services. Web beacons (also sometimes called “clear GIFs,” Pixel tags or action tags) are small files stored and/or served on a website, app, advertisement, or in an email which collect, track, or transmit a data point back to us or to a third party. For example, we use a web beacon to assess whether an email message has been opened. We use web beacons to facilitate advertising and functionality on our Sites, as well as: Associate our users with the reports they provide about satisfaction with our Sites and Services;Administer and monitor email campaigns;Analyze the portions of our Sites that are used most often by our Visitors, as well as how Visitors interact with our Sites;Perform testing on our Sites;Optimize interaction with our data stores;Improve the functionality and usefulness of our support and support chat functions;Analyze the efficacy of our own advertising campaigns;Customize the content displayed to you on our Sites and Services;Organize and administer other web beacons and cookies on our Sites;Conduct web analytics on usage of our Sites and Services; andEnable, improve, and effect targeted and re-targeted advertising for our advertising partners on both our Sites and their third-party sites such as Facebook. In some cases, the above web beacons’ functions may be performed by custom HTML in our Sites’ code. We may use cookies and/or web beacons to track if, and when, a user abandons a purchase before it is complete and attempt to re-engage that user for the same or a similar purchase, as well as making offers for related purchases to that user. To learn more about how to opt-out of certain cookies and tracking technologies, see the Online Tracking Opt-Out Guide section below. Web browser do not track (DNT) - Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. We do not currently have the ability to recognize Do Not Track signals. You can learn more about Do Not Track signals at https://allaboutdnt.com/   II. How We Share Your Information 1. When We Share Specific Information  We may share your information with: Insurance Carriers – We may share personal information, including Application Information, to obtain quotes and submit and process insurance applications. Service Providers and Contractors – We may share your personal information with service providers for the purpose of providing you the Services. Additionally, we may partner with other companies to process, analyze, and/or store data, including, but not limited to, analytical data. These companies may access your personal information for the purposes of providing services for us.Referral Partners –  If you were referred to us by a business partner, we will share your information with that business partner as necessary to honor the terms of our agreement with that business partner and to provide you with the requested products and services. 2. When We Share Information Generally We share the information we collect generally: For Marketing purposes pursuant to joint marketing arrangements. You may opt out of receiving our marketing communications at any time by contacting us at [email protected] or by using the unsubscribe link in any of our communications. If you wish to opt out of receiving marketing communications from our joint marketing partners, you will need to opt out of those communications directly with those partners. With certain third-party vendors that help us administer the Sites and/or Services, including by:Storing and hosting our content or your data;Performing analytics on our Sites and Services; andProviding operations and marketing assistance to us.When you request us to share certain information with third parties, such as through your use of social media widgets or login integrations.With marketing-related business partners to gather insights about your interactions with our products and Services so that we may better advertise to you and customize our products and services.With corporate affiliates including any of our parent companies, subsidiaries, joint ventures, or other companies under common control with us.With counterparties in the course of a corporate sale, merger, reorganization, sale of assets, dissolution, or similar event, some or all of the personal information may be part of the transferred assets.To the extent permitted by law, when required by law, in connection with a court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing such information is necessary or advisable, for example, to protect the rights, property, or safety of us or others. Social Features Certain features of the Services permit you to initiate interactions between the Services and third-party services or platforms, such as social networks (“Social Features”). Social Features include features that allow you to click and access our pages on certain third-party platforms, such as Facebook and Twitter, and from there to “like” or “share” our content on those platforms. Use of Social Features may entail a third party’s collection and/or use of information about you, which will be subject to the privacy policies of those platforms. If you use Social Features or similar third-party services, information you post or otherwise make accessible may be publicly displayed by the third-party service you are using. Both us and the third party may have access to information about you and your use of both the Services and the third-party service. III. How We Secure Your Information We maintain commercially reasonable administrative, physical and technical safeguards designed to prevent any unauthorized use, access, destruction, loss, alteration, or disclosure of your data.  While we take commercially reasonable steps to protect your data we cannot guarantee perfect security – no internet-based service can. No security system is impenetrable. Despite our security measures, we cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.  IV. Users From Outside The U.S. BetterWealth provides its Sites and Services for use by U.S. residents, and U.S. law, and not the laws of other countries, govern these Sites and Services. If you are visiting the Sites or any of the Services, your information will be maintained in the U.S. and in other locations where we may process data.  V. ChildrenWe do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not give us any personal information and do not use the Sites or Services. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us immediately, and we will delete that information from our databases. VI. Job Applicants When you apply for a position with us, we collect information that you provide to us in connection with your job application. This includes business and personal contact information, professional credentials and skills, educational and work history, and other information of the type that may be included in a resume. This may also include diversity information that you voluntarily provide. We use this information to facilitate our recruitment activities and process employment applications, such as by evaluating a job candidate for an employment activity, and monitoring recruitment statistics. We may also use this information to operate and improve the Services, and as otherwise necessary for compliance, fraud prevention, and safety purposes. VII. External Sites The Sites may contain links to third-party websites, but we do not endorse, and we are not responsible for the content of any linked External Sites or for the privacy practices of the third parties that own and operate such sites. Before using any External Site, please refer to the terms of use and privacy policies of the External Sites for more information, as those terms and policies govern your use of such External Sites. VIII. How to Opt-Out  If you wish to opt-out of the use of your personal information by our Services, we are happy to assist you. Please email us at [email protected] and let us know what you wish to opt-out of. Please be advised that certain uses and sharing of your information may be required to continue providing certain Services to you, and that you will not be entitled to any refund if your removal of personal information will make certain prepaid Services unavailable to you. Please note that under certain federal regulations, you may not be able to opt out of the use and sharing of your personal information, in connection with seeking, applying for, or obtaining services from us. IX. Online Tracking Opt-Out Guide Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device, information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt-out of having your online activity and device data collected through these services, which we have summarized below: Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.Using privacy plug-ins or browsers. You can block our Sites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third party cookies/trackers.Platform opt-outs. The following advertising partners offer opt-out features that let you opt-out of use of your information for interest-based advertising:Google: https://adssettings.google.comFacebook: https://www.facebook.com/about/adsTwitter: https://twitter.com/personalizationAdvertising industry opt-out tools. You can also use these opt-out options to limit use of your information for interest-based advertising by participating companies:Digital Advertising Alliance: http://optout.aboutads.infoNetwork Advertising Initiative: http://optout.networkadvertising.org/?c=1 To opt out of tracking by Google Analytics, click here. 

X. Contact Us 

If you have additional questions or would like more information regarding our information collection, use of information, or disclosure practices, please feel free to contact us at [email protected].

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