DISCLOSURE, PRIVACY, COOKIE and TERMS OF SERVICE POLICY

Contained to meet GDPR regulations is the disclosure, privacy, cookie, terms of service and data protection policy.

Disclosure Policy

Debt Free PT and Emma Shapiro PT,DPT  is an Amazon affiliate along with other affiliates that may include brands, products, and services. We may receive compensation at no cost to you for products or services obtained through these links.

Affiliate partners may use specific codes or cookies to track the performance of the affiliate program but no personally identifiable information will be collected in the process.

Debt Free PT does not collect personal information without consumer’s consent and will not sell/rent/trade or distribute your personal information to other parties without pre approved consent.

Amazon Disclosure:

We {Debt Free PT and Emma Shapiro} are a participate in the Amazon Services Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites.

Travel Recruiters Disclosure:

I may receive referral fees if you choose to use my travel healthcare recruiters for your travel healthcare positions. Although I may receive a fee for sharing your contact information with my vetted recruiters, I will continue to provide unbiased advice on how to become a successful traveler and help you conquer your student loans!

 

 

Emma Shapiro (Debt Free PT)

Privacy Policy and Cookie Policy

5/23/18

 

 

Background:

 

Emma Shapiro understands that your privacy is important to you and that you care about how your information is used and shared online. We respect and value the privacy of everyone who visits Our Site and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and Our obligations under the law.

 

This Policy applies to Our use of any and all data collected by us in relation to your use of Our Site. Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site .If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.

 

  1. Definitions and Interpretation

In this Policy the following terms shall have the following meanings:

 

“Account” means an account required to access and/or use certain areas and features of Our Site;
“Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 12, below;]
“Our Site” means this website, https://debtfreept.com
“United States and EU Cookie Law” means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 as amended in 2004, 2011 and 2015; and]
“We/Us/Our” Means Emma Shapiro, sole proprietor.

 

  1. Information About Us
    • Our Site, debtfreept.com is owned and operated by Emma Shapiro, sole proprietor in the USA and if you wish to contact or find her address you can email her at debtfreept@gmail.com .
    • [Our data protection officer is Emma Shapiro who can be contacted at debtfreept@gmail.com
  2. Scope – What Does This Policy Cover?

This Privacy Policy applies only to your use of Our Site. It does not extend to any websites that are linked to from Our Site (whether We provide those links or whether they are shared by other users). We have no control over how your data is collected, stored or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.

 

  1. What Data Do We Collect?

Some data will be collected automatically by Our Site [for further details, please see section 12 on Our use of Cookies) other data will only be collected if you voluntarily submit it and consent to Us using it for the purposes set out in section 5, for example, when signing up for an Account. Depending upon your use of Our Site, We may collect some or all of the following data:

  • [Name]
  • [business/company name]
  • [contact information such as email addresses and telephone numbers]
  • [demographic information such as post code, preferences and interests]
  • [IP address (automatically collected))
  • [web browser type and version (automatically collected)]
  • [operating system (automatically collected)
  • [a list of URLs starting with a referring site, your activity on Our Site, and the site you exit to (automatically collected)]

 

  1. How Do We Use Your Data?
    • All personal data is stored securely in accordance with the EU General Data Protection Regulation (Regulation (EU) 2016/679) (GDPR). For more details on security see section 6, below.
    • We use your data to provide the best possible products and services to you. This includes:
      • [Providing and managing your Account;]
      • [Providing and managing your access to Our Site;]
      • [Personalising and tailoring your experience on Our Site;]
      • [Supplying Our [products and] services to you;]
      • [Personalising and tailoring Our [products and] services for you;]
      • [Responding to communications from you;]
      • [Supplying you with email Insert Type of Email e.g. newsletters, alerts etc. that you have subscribed to (you may unsubscribe or opt-out at any time by Insert Description of Unsubscription Method]
      • [Market research]
      • [Analysing your use of Our Site [and gathering feedback] to enable Us to continually improve Our Site and your user experience]
    • In some cases, the collection of data may be a statutory or contractual requirement, and We will be limited in the [products and] services We can provide you without your consent for Us to be able to use such data.
    • With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by [email] AND/OR [telephone] AND/OR [text message] AND/OR [post] with information, news and offers on Our [products] AND/OR [services]. We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003, as amended in 2004, 2011 and 2015.
    • [Advertisers whose content appears on Our Site may engage in what is known as “behavioural advertising” – advertising which is tailored to your preferences, based on your activity. Your activity is monitored using Cookies, as detailed below in section 12. You can control and limit your data used in this way by adjusting your web browser’s privacy settings. Please note that We do not control the activities of such advertisers, nor the information they collect and use. Limiting the use of your data in this way will not remove the advertising, but it will make it less relevant to your interests and activities on Our Site.]
    • Under GDPR we will ensure that your personal data is processed lawfully, fairly, and transparently, without adversely affecting your rights. We will only process your personal data if at least one of the following basis applies:
      1. you have given consent to the processing of your personal data for one or more specific purposes;
      2. processing is necessary for the performance of a contract to which you are a party or in order to take steps at the request of you prior to entering into a contract;
      3. processing is necessary for compliance with a legal obligation to which we are subject;
      4. processing is necessary to protect the vital interests of you or of another natural person;
      5. processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the controller; and/or
      6. processing is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are overridden by the fundamental rights and freedoms of the data subject which require protection of personal data, in particular where the data subject is a child.
  1. How and Where Do We Store Your Data?
    • We only keep your data for as long as We need to in order to use it as described above in section 5, and/or for as long as We have your permission to keep it. In any event, We will conduct an review to ascertain whether we need to keep your data. Your data will be deleted if we no longer need it in accordance with the terms of our Data Retention Policy. Our Data Retention Policies are:
    • Some or all of your data may be stored or transferred outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland and Liechtenstein). You are deemed to accept and agree to this by using Our Site and submitting information to Us. If We do store or transfer data outside the EEA, We will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the EEA and under the GDPR. Such steps may include, but not be limited to, the use of legally binding contractual terms between Us and any third parties We engage and the use of the EU-approved Model Contractual Arrangements. [If We intend at any time to transfer any of your data outside the EEA, We will always obtain your consent beforehand and we have put in place the following safeguards to protect your data such as encryption.
    • Data security is of great importance to Us, and to protect your data We have put in place suitable physical, electronic and managerial procedures to safeguard and secure data collected through Our Site.
    • Steps We take to secure and protect your data include:
      • Using secure information and GDPR regulated MAILCHIMP service.
    • Notwithstanding the security measures that We take, it is important to remember that the transmission of data via the internet may not be completely secure and that you are advised to take suitable precautions when transmitting to Us data via the internet.

 

  1. Do We Share Your Data?
    • We do not share any of your data without your explicit permission.
    • We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales and other information. All such data will be anonymised and will not include any personally identifying information. We may from time to time share such data with third parties such as prospective investors, affiliates, partners and advertisers. Data will only be shared and used within the bounds of the law.
    • In certain circumstances We may be legally required to share certain data held by Us, which may include your personal information, for example, where We are involved in legal proceedings, where We are complying with the requirements of legislation, a court order, or a governmental authority. We do not require any further consent from you in order to share your data in such circumstances and will comply as required with any legally binding request that is made of Us.

 

  1. What Happens If Our Business Changes Hands?
    • We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Data provided by users will, where it is relevant to any part of Our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use the data for the purposes for which it was originally collected by Us.
    • In the event that any of your data is to be transferred in such a manner, you will be contacted in advance and informed of the changes.
  2. How Can You Control Your Data?
    • When you submit information via Our Site, you may be given options to restrict Our use of your data. We aim to give you strong controls on Our use of your data (including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails and [at the point of providing your details] AND/OR [by managing your Account]).
    • You may also wish to sign up to one or more of the preference services operating in the USA. The Telephone Preference Service (“the TPS”), the Corporate Telephone Preference Service (“the CTPS”), and the Mailing Preference Service (“the MPS”). These may help to prevent you receiving unsolicited marketing. Please note, however, that these services will not prevent you from receiving marketing communications that you have consented to receiving.
  3. Your Right to Withhold Information and Your Right to Withdraw Information After You Have Given it
    • You may access Our Site without providing any data at all. [However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
    • You may restrict your internet browser’s use of Cookies. For more information, see section 12.
    • You may withdraw your consent for Us to use your personal data as set out in section in 5 at any time by contacting Us using the details set out in section 15, and We will delete Your data from Our systems. However, you acknowledge this may limit Our ability to provide the best possible [products and] services to you.

 

  1. How Can You Access Your Data?

You have the legal right to ask for a copy of any of your personal data held by Us (where such data is held). Please contact Us for more details at debtfreept@gmail.com or using the contact details below in section 14.

 

  1. [What Cookies Do We Use and What For?
    • Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our [products and] For more details, please refer to section 5, above, and to section 12.6 below. We have carefully chosen these Cookies and have taken steps to ensure that your privacy is protected and respected at all times.
    • By using Our Site you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. We may use third party Cookies on Our Site. For more details, please refer to section 5, above, and to section 12.6 below. These Cookies are not integral to the functioning of Our Site.
    • All Cookies used by and on Our Site are used in accordance with current English and EU Cookie Law.
    • Before Cookies are placed on your computer or device [, subject to section 12.5] AND/OR [section 12.8], you will be shown a [Insert description of prompt e.g. pop-up, message bar etc.] requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
    • Certain features of Our Site depend on Cookies to function. [Your Country] and EU Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 12.6. Your consent will not be sought to place these Cookies. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 12.10, but please be aware that Our Site may not work as intended if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.

 

  • Our Site uses analytics services provided by Google Analytics. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, as detailed below, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
  • The analytics service(s) used by Our Site use(s) Cookies to gather the required [Certain of these Cookies may be placed immediately when you first visit Our Site and it may not be possible for Us to obtain your prior consent. You may remove these Cookies and prevent future use of them by following the steps set out below in section 12.10

 

  • You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
  • You can choose to delete Cookies at any time however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
  • It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.]

 

 

 

Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our [products and] services. By using Our Site you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. We use third party Cookies on Our Site for [Insert description of use of third party cookies, e.g. advertising services]. In addition, Our Site uses analytics services provided by [Insert name of analytics service provider(s)], which also use Cookies. Website analytics refers to a set of tools used to collect and analyse usage statistics, enabling Us to better understand how people use Our Site. For more details, please refer to Our Cookie Policy Insert Link.

 

  1. Summary of Your Rights under GDPR

Under the GDPR, you have:

  • the right to request access to, deletion of or correction of, your personal data held by Us;
  • the right to complain to a supervisory authority;
  • be informed of what data processing is taking place;
  • the right to restrict processing;
  • the right to data portability;
  • object to processing of your personal data;
  • rights with respect to automated decision-making and profiling (see section 14 below).

To enforce any of the foregoing rights or if you have any other questions about Our Site or this Privacy Policy, please contact Us using the details set out in section 15 below.

  1. Automated Decision-Making and Profiling

14.1        In the event that We use personal data for the purposes of automated decision-making and those decisions have a legal (or similarly significant effect) on You, You have the right to challenge to such decisions under GDPR, requesting human intervention, expressing their own point of view, and obtaining an explanation of the decision from Us.

14.2 The right described in section 14.1 does not apply in the following circumstances:

  1. The decision is necessary for the entry into, or performance of, a contract between the You and Us;
  2. The decision is authorised by law; or
  3. You have given you explicit consent.

 

  • Where We use your personal data for profiling purposes, the following shall apply:
    1. Clear information explaining the profiling will be provided, including its significance and the likely consequences;
    2. Appropriate mathematical or statistical procedures will be used;
    3. Technical and organisational measures necessary to minimise the risk of errors and to enable such errors to be easily corrected shall be implemented; and
    4. All personal data processed for profiling purposes shall be secured in order to prevent discriminatory effects arising out of profiling.

 

14.5 We currently profile your personal data for the following purposes using Mailchimp which is GDPR compliant.

  1. Contacting Us

If you have any questions about Our Site or this Privacy Policy, please contact Us by email at debtfreept@gmail.com. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 11, above).

  1. Changes to Our Privacy Policy

We may change this Privacy Policy as we may deem necessary from time to time, or as may be required by law. Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.

 

 

Emma Shapiro

Data Protection Policy

 

Table of Contents

Section A: Overview……………………………………………………………………………………………………………2

Section B: Data Protection Principles………………………………………………………………………………………5

Section C: Data Subject Rights………………………………………………………………………………………………7

Section D: Our Other Obligations………………………………………………………………………………………..12

Schedule 1: Our Use Of Personal Data And Our Purpose………………………………………………………..15

Schedule 2: Our Specific Data Protection Measures………………………………………………………………16

 

This Policy has been approved and authorised by:

Name: Emma Shapiro
Position: Creator and owner
Date: 5/23/18
Signature:

Emma Shapiro

 

 

 

Section A: Overview

 

  1. The reason for this policy
    • You have legal rights with regard to the way your personal data is handled.
    • In the course of our business activities we collect, store and process personal data about our customers, suppliers and other third parties, and therefore in order to comply with the law and to maintain confidence in our business, we acknowledge the importance of correct and lawful treatment of this data.
    • All people working in or with our business are obliged to comply with this policy when processing personal data.

 

  1. Introduction
    • This policy and any other documents referred to in it sets out the basis on which we will process any personal data we collect from data subjects, for example, customers and business contacts, or that is provided to us by data subjects or other sources.
    • It also sets out our obligations in relation to data protection under the General Data Protection Regulation (“the Regulation”).
    • This policy sets out rules on data protection and the legal conditions that must be satisfied when we obtain, handle, process, transfer and store personal data.
    • The procedures and principles set out herein must be followed at all times by us and our employees, agents, contractors, or other parties working on behalf of the Company.
    • We aim to ensure the correct, lawful, and fair handling of your personal data and to respect your legal rights.

 

  1. The meaning of key Data Protection terms
    • Data is information which is stored electronically, on a computer, or in certain paper-based filing systems.
    • Data subjects for the purpose of this policy include all living individuals about whom we holds personal data. A data subject need not be a UK national or resident. All data subjects have legal rights in relation to their personal information.
    • Personal data means data relating to a living individual who can be identified from that data (or from that data and other information in our possession). Personal data can be factual (for example, a name, address or date of birth) or it can be an opinion about that person, their actions and behaviour.
    • Data controllers are the people who or organisations which determine the purposes for which, and the manner in which, any personal data is processed. They are responsible for establishing practices and policies in line with the Act. We are the data controller of all personal data used in our business for our own commercial purposes.
    • Processing is any activity that involves use of the data. It includes obtaining, recording or holding the data, or carrying out any operation or set of operations on the data including organising, amending, retrieving, using, disclosing, erasing or destroying it. Processing also includes transferring personal data to third parties.

 

  1. Summary of the Data Protection Principles

This Policy aims to ensure compliance with the Regulation. The Regulation sets out the following principles with which any party handling personal data must comply. All personal data must be:

  1. (Processed fairly and lawfully) processed lawfully, fairly, and in a transparent manner in relation to the data subject;
  2. (Processed for limited purposes and in an appropriate way) collected for specified, explicit, and legitimate purposes and not further processed in a manner that is incompatible with those purposes; further processing for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes shall not be considered to be incompatible with the initial purposes;
  3. (Adequate, relevant and not excessive for the purpose) adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed;
  4. (Accurate) accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that is inaccurate, having regard to the purposes for which they are processed, is erased or rectified without delay;
  5. (Not kept longer than necessary for the purpose) kept in a form which permits identification of data subjects for no longer than is necessary for the purposes for which the personal data is processed; personal data may be stored for longer periods insofar as the personal data will be processed solely for archiving purposes in the public interest, scientific or historical research purposes or statistical purposes subject to implementation of the appropriate technical and organisational measures required by the Regulation in order to safeguard the rights and freedoms of the data subject;
  6. (Processing in line with data subject’s rights) personal data must be processed in line with data subjects’ rights, in particular your right to:
    • request access to any data held about them by a Data Controller (see also clause 15).
    • prevent the processing of their data for direct-marketing purposes.
    • ask to have inaccurate data amended (see also clause 9).
    • prevent processing that is likely to cause damage or distress to themselves or anyone else.
  7. (Security) processed in a manner that ensures appropriate security of the personal data, including protection against unauthorised or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organisational measures.
  8. (Transfers outside EEA) not transferred to people or organisations situated in countries without adequate protection.

 

  1. Our use of personal data and our purpose

We collect, hold, and process the personal data referred to in Schedule 1 (and the purpose for which we process that personal data is also set out in Schedule 1).

 

  1. Our data protection measures

When we are working with personal data we take the measures set out in Schedule 2.

 

 

Section B: Data Protection Principles

 

  1. Lawful, Fair, and Transparent Data Processing

The Regulation is not intended to prevent the processing of personal data, but to ensure that it is done fairly and without adversely affecting the rights of the data subject. The processing of personal data is lawful if one (or more) of the following applies:

  1. (consent) the data subject has given consent to the processing of his or her personal data for one or more specific purposes;
  2. (contract) processing is necessary for the performance of a contract to which the data subject is a party or in order to take steps at the request of the data subject prior to entering into a contract;
  3. (legal obligation) processing is necessary for compliance with a legal obligation to which the Data Controller is subject;
  4. (protection) processing is necessary to protect the vital interests of the data subject or of another natural person;
  5. (public interest) processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in the Data Controller;
  6. (legitimate interests) processing is necessary for the purposes of the legitimate interests pursued by the Data Controller or by a third party, except where such interests are overridden by the fundamental rights and freedoms of the data subject which require protection of personal data, in particular where the data subject is a child.

 

  1. Processed for Specified, Explicit and Legitimate Purposes
    • The Company collects and processes the personal data set out in Schedule 1 of this Policy. This may include personal data received directly from data subjects (for example, contact details used when a data subject communicates with us) and can include data received from third parties.
    • The Company only processes personal data for the specific purposes set out in Schedule 1 of this Policy (or for other purposes expressly permitted by the Regulation). The purposes for which we process personal data will be informed to data subjects at the time that their personal data is collected, where it is collected directly from them, or as soon as possible (not more than one calendar month) after collection where it is obtained from a third party.

 

  1. Adequate, Relevant and Limited Data Processing

The Company will only collect and process personal data for and to the extent necessary for the specific purpose(s) informed to data subjects as under Part 5, above.

 

  1. Accuracy of Data and Keeping Data Up To Date

The Company shall ensure that all personal data collected and processed is kept accurate and up-to-date. The accuracy of data shall be checked when it is collected and at [regular] OR [Insert Interval] intervals thereafter. Where any inaccurate or out-of-date data is found, all reasonable steps will be taken without delay to amend or erase that data, as appropriate.

 

  1. Timely Processing

The Company shall not keep personal data for any longer than is necessary in light of the purposes for which that data was originally collected and processed. When the data is no longer required, all reasonable steps will be taken to erase it without delay.

 

  1. Secure Processing

The Company shall ensure that all personal data collected and processed is kept secure and protected against unauthorised or unlawful processing and against accidental loss, destruction or damage. Further details of the data protection and organisational measures which shall be taken are provided in Parts 22 and 23 of this Policy.

 

  • An assessment of the risks posed to individual data subjects; and
  • Details of the measures in place to minimise and handle risks including safeguards, data security, and other measures and mechanisms to ensure the protection of personal data, sufficient to demonstrate compliance with the Regulation.

 

 

Section C: Data Subject Rights

 

  1. The Rights of Data Subjects

The Regulation sets out the following rights applicable to data subjects:

  1. The right to be informed;
  2. The right of access;
  3. The right to rectification;
  4. The right to erasure (also known as the ‘right to be forgotten’);
  5. The right to restrict processing;
  6. The right to data portability;
  7. The right to object;
  8. Rights with respect to automated decision-making and profiling.

 

  1. Keeping Data Subjects Informed
    • The Company shall ensure that the following information is provided to every data subject when personal data is collected:
      1. Details of the Company including, but not limited to, the identity of [Insert Name of Data Protection Officer], its Data Protection Officer;
      2. The purpose(s) for which the personal data is being collected and will be processed (as detailed in Schedule 1 of this Policy) and the legal basis justifying that collection and processing;
      3. Where applicable, the legitimate interests upon which the Company is justifying its collection and processing of the personal data;
      4. Where the personal data is not obtained directly from the data subject, the categories of personal data collected and processed;
      5. Where the personal data is to be transferred to one or more third parties, details of those parties;
      6. Where the personal data is to be transferred to a third party that is located outside of the European Economic Area (the “EEA”), details of that transfer, including but not limited to the safeguards in place (see Part 26 of this Policy for further details concerning such third country data transfers);
      7. Details of the length of time the personal data will be held by the Company (or, where there is no predetermined period, details of how that length of time will be determined);
      8. Details of the data subject’s rights under the Regulation;
      9. Details of the data subject’s right to withdraw their consent to the Company’s processing of their personal data at any time;
      10. Details of the data subject’s right to complain to the Information Commissioner’s Office (the ‘supervisory authority’ under the Regulation);
      11. Where applicable, details of any legal or contractual requirement or obligation necessitating the collection and processing of the personal data and details of any consequences of failing to provide it;
      12. Details of any automated decision-making that will take place using the personal data (including but not limited to profiling), including information on how decisions will be made, the significance of those decisions and any consequences.
    • The information set out above in Part 14.1 shall be provided to the data subject at the following applicable time:
      • Where the personal data is obtained from the data subject directly, at the time of collection;
      • Where the personal data is not obtained from the data subject directly (i.e. from another party):
        1. If the personal data is used to communicate with the data subject, at the time of the first communication; or
        2. If the personal data is to be disclosed to another party, before the personal data is disclosed; or
        3. In any event, not more than one month after the time at which the Company obtains the personal data.

 

  1. Data Subject Access
    • A data subject may make a subject access request (“SAR”) at any time to find out more about the personal data which the Company holds about them. The Company is normally required to respond to SARs within one month of receipt (this can be extended by up to two months in the case of complex and/or numerous requests, and in such cases the data subject shall be informed of the need for the extension).
    • All subject access requests received must be forwarded to Emma Shapiro, the Company’s data protection officer.
    • The Company does not charge a fee for the handling of normal SARs. The Company reserves the right to charge reasonable fees for additional copies of information that has already been supplied to a data subject, and for requests that are manifestly unfounded or excessive, particularly where such requests are repetitive.

 

  1. Rectification of Personal Data
    • If a data subject informs the Company that personal data held by the Company is inaccurate or incomplete, requesting that it be rectified, the personal data in question shall be rectified, and the data subject informed of that rectification, within one month of receipt the data subject’s notice (this can be extended by up to two months in the case of complex requests, and in such cases the data subject shall be informed of the need for the extension).
    • In the event that any affected personal data has been disclosed to third parties, those parties shall be informed of any rectification of that personal data.

 

  1. Erasure of Personal Data
    • Data subjects may request that the Company erases the personal data it holds about them in the following circumstances:
      1. It is no longer necessary for the Company to hold that personal data with respect to the purpose for which it was originally collected or processed;
      2. The data subject wishes to withdraw their consent to the Company holding and processing their personal data;
      3. The data subject objects to the Company holding and processing their personal data (and there is no overriding legitimate interest to allow the Company to continue doing so) (see Part 20 of this Policy for further details concerning data subjects’ rights to object);
      4. The personal data has been processed unlawfully;
      5. The personal data needs to be erased in order for the Company to comply with a particular legal obligation OR

Unless the Company has reasonable grounds to refuse to erase personal data, all requests for erasure shall be complied with, and the data subject informed of the erasure, within one month of receipt of the data subject’s request (this can be extended by up to two months in the case of complex requests, and in such cases the data subject shall be informed of the need for the extension).

  • In the event that any personal data that is to be erased in response to a data subject request has been disclosed to third parties, those parties shall be informed of the erasure (unless it is impossible or would require disproportionate effort to do so).

 

  1. Restriction of Personal Data Processing
    • Data subjects may request that the Company ceases processing the personal data it holds about them. If a data subject makes such a request, the Company shall retain only the amount of personal data pertaining to that data subject that is necessary to ensure that no further processing of their personal data takes place.
    • In the event that any affected personal data has been disclosed to third parties, those parties shall be informed of the applicable restrictions on processing it (unless it is impossible or would require disproportionate effort to do so).

 

  1. Data Portability
    • The Company processes personal data using automated means via Mail Chimp.
    • Where data subjects have given their consent to the Company to process their personal data in such a manner or the processing is otherwise required for the performance of a contract between the Company and the data subject, data subjects have the legal right under the Regulation to receive a copy of their personal data and to use it for other purposes (namely transmitting it to other Data Controllers, e.g. other organisations).
    • To facilitate the right of data portability, the Company shall make available all applicable personal data to data subjects in the following format. Where technically feasible, if requested by a data subject, personal data shall be sent directly to another Data Controller.
    • All requests for copies of personal data shall be complied with within one month of the data subject’s request (this can be extended by up to two months in the case of complex requests in the case of complex or numerous requests, and in such cases the data subject shall be informed of the need for the extension).

 

  1. Objections to Personal Data Processing
    • Data subjects have the right to object to the Company processing their personal data based on legitimate interests (including profiling), direct marketing (including profiling), [and processing for scientific and/or historical research and statistics purposes].
    • Where a data subject objects to the Company processing their personal data based on its legitimate interests, the Company shall cease such processing forthwith, unless it can be demonstrated that the Company’s legitimate grounds for such processing override the data subject’s interests, rights and freedoms; or the processing is necessary for the conduct of legal claims.
    • Where a data subject objects to the Company processing their personal data for direct marketing purposes, the Company shall cease such processing forthwith.
    • Where a data subject objects to the Company processing their personal data for scientific and/or historical research and statistics purposes, the data subject must, under the Regulation, ‘demonstrate grounds relating to his or her particular situation’. The Company is not required to comply if the research is necessary for the performance of a task carried out for reasons of public interest.

 

  1. Automated Decision-Making
    • In the event that the Company uses personal data for the purposes of automated decision-making and those decisions have a legal (or similarly significant effect) on data subjects, data subjects have the right to challenge to such decisions under the Regulation, requesting human intervention, expressing their own point of view, and obtaining an explanation of the decision from the Company.
    • The right described in Part 21.1 does not apply in the following circumstances:
      1. The decision is necessary for the entry into, or performance of, a contract between the Company and the data subject;
      2. The decision is authorised by law; or
      3. The data subject has given their explicit consent.

 

  1. Profiling

Where the Company uses personal data for profiling purposes, the following shall apply:

  1. Clear information explaining the profiling will be provided, including its significance and the likely consequences;
  2. Appropriate mathematical or statistical procedures will be used;
  3. Technical and organisational measures necessary to minimise the risk of errors and to enable such errors to be easily corrected shall be implemented; and
  4. All personal data processed for profiling purposes shall be secured in order to prevent discriminatory effects arising out of profiling (see Parts 22 and 23 of this Policy for more details on data security).

 

 

Section D: Our Other Obligations

  1. Accountability
    • The Company’s data protection officer is Emma Shapiro.
    • The Company shall keep written internal records of all personal data collection, holding, and processing, which shall incorporate the following information:
      1. The name and details of the Company, its data protection officer, and any applicable third party Data Controllers;
      2. The purposes for which the Company processes personal data;
      3. Details of the categories of personal data collected, held, and processed by the Company; and the categories of data subject to which that personal data relates;
      4. Details (and categories) of any third parties that will receive personal data from the Company;
      5. Details of any transfers of personal data to non-EEA countries including all mechanisms and security safeguards;
      6. Details of how long personal data will be retained by the Company; and
      7. Detailed descriptions of all technical and organisational measures taken by the Company to ensure the security of personal data.
  1. Privacy Impact Assessments

The Company shall carry out Privacy Impact Assessments when and as required under the Regulation. Privacy Impact Assessments shall be overseen by the Company’s data protection officer and shall address the following areas of importance:

  • The purpose(s) for which personal data is being processed and the processing operations to be carried out on that data;
  • Details of the legitimate interests being pursued by the Company;
  • An assessment of the necessity and proportionality of the data processing with respect to the purpose(s) for which it is being processed;
  1. Organisational Measures

The Company shall ensure that the following measures are taken with respect to the collection, holding, and processing of personal data:

  1. All employees, agents, contractors, or other parties working on behalf of the Company shall be made fully aware of both their individual responsibilities and the Company’s responsibilities under the Regulation and under this Policy, and shall be provided with a copy of this Policy;
  2. Only employees, agents, sub-contractors, or other parties working on behalf of the Company that need access to, and use of, personal data in order to carry out their assigned duties correctly shall have access to personal data held by the Company;
  3. All employees, agents, contractors, or other parties working on behalf of the Company handling personal data will be appropriately trained to do so;
  4. All employees, agents, contractors, or other parties working on behalf of the Company handling personal data will be appropriately supervised;
  5. Methods of collecting, holding and processing personal data shall be regularly evaluated and reviewed;
  6. The performance of those employees, agents, contractors, or other parties working on behalf of the Company handling personal data shall be regularly evaluated and reviewed;
  7. All employees, agents, contractors, or other parties working on behalf of the Company handling personal data will be bound to do so in accordance with the principles of the Regulation and this Policy by contract;
  8. All agents, contractors, or other parties working on behalf of the Company handling personal data must ensure that any and all of their employees who are involved in the processing of personal data are held to the same conditions as those relevant employees of the Company arising out of this Policy and the Regulation;
  9. Where any agent, contractor or other party working on behalf of the Company handling personal data fails in their obligations under this Policy that party shall indemnify and hold harmless the Company against any costs, liability, damages, loss, claims or proceedings which may arise out of that failure.

 

  1. Transferring Personal Data to a Country Outside the EEA
    • The Company may from time to time transfer (‘transfer’ includes making available remotely) personal data to countries outside of the EEA.
    • The transfer of personal data to a country outside of the EEA shall take place only if one or more of the following applies:
      1. The transfer is to a country, territory, or one or more specific sectors in that country (or an international organisation), that the European Commission has determined ensures an adequate level of protection for personal data;
      2. The transfer is to a country (or international organisation) which provides appropriate safeguards in the form of a legally binding agreement between public authorities or bodies; binding corporate rules; standard data protection clauses adopted by the European Commission; compliance with an approved code of conduct approved by a supervisory authority (e.g. the Information Commissioner’s Office); certification under an approved certification mechanism (as provided for in the Regulation); contractual clauses agreed and authorised by the competent supervisory authority; or provisions inserted into administrative arrangements between public authorities or bodies authorised by the competent supervisory authority;
      3. The transfer is made with the informed consent of the relevant data subject(s);
      4. The transfer is necessary for the performance of a contract between the data subject and the Company (or for pre-contractual steps taken at the request of the data subject);
      5. The transfer is necessary for important public interest reasons;
      6. The transfer is necessary for the conduct of legal claims;
      7. The transfer is necessary to protect the vital interests of the data subject or other individuals where the data subject is physically or legally unable to give their consent; or
      8. The transfer is made from a register that, under UK or EU law, is intended to provide information to the public and which is open for access by the public in general or otherwise to those who are able to show a legitimate interest in accessing the register.

 

  1. Data Breach Notification
    • All personal data breaches must be reported immediately to the Company’s data protection officer.
    • If a personal data breach occurs and that breach is likely to result in a risk to the rights and freedoms of data subjects (e.g. financial loss, breach of confidentiality, discrimination, reputational damage, or other significant social or economic damage), the data protection officer must ensure that the Information Commissioner’s Office is informed of the breach without delay, and in any event, within 72 hours after having become aware of it.
    • In the event that a personal data breach is likely to result in a high risk (that is, a higher risk than that described under Part 27.2) to the rights and freedoms of data subjects, the data protection officer must ensure that all affected data subjects are informed of the breach directly and without undue delay.
    • Data breach notifications shall include the following information:
      1. The categories and approximate number of data subjects concerned;
      2. The categories and approximate number of personal data records concerned;
      3. The name and contact details of the Company’s data protection officer (or other contact point where more information can be obtained);
      4. The likely consequences of the breach;
      5. Details of the measures taken, or proposed to be taken, by the Company to address the breach including, where appropriate, measures to mitigate its possible adverse effects.

 

  1. Implementation of Policy

This Policy shall be deemed effective as of 5/23/18 No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.

 

 

Schedule 1: Our Use Of Personal Data And Our Purpose

 

The following personal data may be collected, held, and processed by the Company:

  1. Name
  2. Profession
  3. Email
  4. Phone Number

 

Schedule 2: Our Specific Data Protection Measures

 

These are the measures we take when working with personal data:

  1. Where any personal data is to be erased or otherwise disposed of for any reason (including where copies have been made and are no longer needed), it should be securely deleted and disposed of. Hardcopies should be shredded, and electronic copies should be deleted securely.
  2. Personal data may be transmitted over secure networks only; transmission over unsecured networks is not permitted in any circumstances;
  3. Personal data may not be transmitted over a wireless network if there is a wired alternative that is reasonably practicable;
  4. Personal data contained in the body of an email, whether sent or received, should be copied from the body of that email and stored securely. The email itself should be deleted. All temporary files associated therewith should also be deleted;
  5. Where Personal data is to be sent by facsimile transmission the recipient should be informed in advance of the transmission and should be waiting by the fax machine to receive the data;
  6. Where Personal data is to be transferred in hardcopy form it should be passed directly to the recipient sent via safe electronic methods.
  7. No personal data may be shared informally and if an employee, agent, sub-contractor, or other party working on behalf of the Company requires access to any personal data that they do not already have access to, such access should be formally requested from Emma Shapiro.
  8. All hardcopies of personal data, along with any electronic copies stored on physical, removable media should be stored securely in a locked box, drawer, cabinet or similar;
  9. No personal data may be transferred to any employees, agents, contractors, or other parties, whether such parties are working on behalf of the Company or not, without the authorisation of Emma Shapiro
  10. Personal data must be handled with care at all times and should not be left unattended or on view to unauthorised employees, agents, sub-contractors or other parties at any time;
  11. If personal data is being viewed on a computer screen and the computer in question is to be left unattended for any period of time, the user must lock the computer and screen before leaving it;
  12. No personal data should be stored on any mobile device (including, but not limited to, laptops, tablets and smartphones), whether such device belongs to the Company or otherwise
  13. No personal data should be transferred to any device personally belonging to an employee and personal data may only be transferred to devices belonging to agents, contractors, or other parties working on behalf of the Company where the party in question has agreed to comply fully with the letter and spirit of this Policy and of the Regulation (which may include demonstrating to the Company that all suitable technical and organisational measures have been taken);
  14. All electronic copies of personal data should be stored securely using passwords and data encryption;
  15. All passwords used to protect personal data should be changed regularly and should not use words or phrases that can be easily guessed or otherwise compromised. All passwords must contain a combination of uppercase and lowercase letters, numbers, and symbols. Under no circumstances should any passwords be written down or shared between any employees, agents, contractors, or other parties working on behalf of the Company, irrespective of seniority or department. If a password is forgotten, it must be reset using the applicable method. IT staff do not have access to passwords;
  16. Where personal data held by the Company is used for marketing purposes, it shall be the responsibility of Emma Shapiro. to ensure that no data subjects have added their details to any marketing preference databases including, but not limited to, the Telephone Preference Service, the Mail Preference Service, the Email Preference Service, and the Fax Preference Service.

 

Terms of Service (“Terms”)

Last updated: May 23, 2018

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the https://debtfreept.com website (the “Service”) operated by Emma Shapiro (creator of the website Debt Free PT (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service. This Terms of Service agreement for Debt Free PT based on the Terms and Conditions from TermsFeed.

Liability

Emma Shapiro and Debt Free PT take no liability in anything read through this website. This is not professional financial nor tax advice and we recommend to always consult a professional. We do not gaurnette any earnings specific with traveling or other services.

Copyright:

The logo, name Debt Free PT, and Therapists on Fire are copyright Emma Shapiro 2018.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Debt Free PT.

Debt Free PT has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Debt Free PT shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of New Jersey, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 60 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us

If you have any questions about these Terms, please contact us at debtfreept@gmail.com.

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