We collect personal information that you voluntarily provide to use when registering at the Sites expressing an interest in obtaining information about us or our products and services, when participating in activities on the Sites (such as posting messages in our online forums or entering competitions, contests or giveaways) or otherwise contacting us.

The personal information that we collect depends on the context of your interactions with us and the Sites, the choices you make and the products and features you use.  The personal information we collect can include the following:

Name and Contact Data.  We collect your first name, last name, email address postal address, phone number and other similar contact data.

Credentials.  We collect passwords, password hints, and similar security information used for authentication and account access.

Payment Data.  We collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument.  All payment data is stored by our payment processor and you should review its privacy policies and contact the payment processor directly to respond to your questions.

All personal information that you provide to use must be true, complete and accurate, and you must notify us of any changes to such personal information.

We automatically collect certain information when you visit, use or navigate the Sites.  This information does not reveal your specific identity (like your name or contact information) but may include device usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Sites and other technical information.  This information is primarily needed to maintain the security and operation of our Sites, and for our internal analytics and reporting purposes.

Like many business, we also collect information trough cookies and similar technologies.

We may obtain information about you from other sources, such as public databases, joint marketing partners, as well as from other third parties.  Examples of the information we receive from other sources include: social media profile information; marketing leads and search results and links, including paid listings (such as sponsored links).

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).  No purpose in this policy will require us keeping your personal information for longer than 2 years past the termination of the user's account.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

In some regions (like the European Economic Area, or EEA), you have certain rights under applicable data protection laws.  These may include the right to (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability.  In certain circumstances, you may also have the right to object to the processing of your personal information.  To make such a request, please use the contact details provided below.  We will consider and act upon any request in accordance with applicable data protection laws.

If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time.  Please note however that this will not affect the lawfulness of processing before its withdrawal.

If you are a resident in the EEA and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority.  You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.html

If you would at any time like to review or change the information in your account or terminate your account, you can do so in one of two ways:

 1. Log into your account setting and update your user account

 2. Send a request to PHIL@PROSPERITYWITHPHIL.COM 

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases.  However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.

Cookies and Similar Technologies: Most web browsers are set to accept cookies by default.  If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies.  If you choose to remove cookies or reject cookies, this could affect certain features or services of our Sites.  To opt-out of interest-based advertising by advertisers on our Sites, visit: http://www.aboutads.info/choices.

Opting Out of Email Marketing: You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below.  You will then be removed from the marketing email list - however, we will still need to send you service-related emails that are necessary for the administration and use of your account.  To otherwise opt-out, you may:

 - Contact Us using the contact information provided.

These additional disclosures for California residents apply only to individuals who reside in California. The California Consumer Privacy Act of 2018 (“CCPA”) provides additional rights to know, delete and opt out, and requires businesses collecting or disclosing personal information to provide notices and means to exercise those rights. The words used in this section have the meanings given to them in the CCPA, which may be broader than their common meaning. For example, the definition of “personal information” under the CCPA includes your name, but also more general information such as age. 

Although the information we collect is described in greater detail in Sections 1-6 above, the categories of personal information that we have collected – as described by the CCPA – in the past 12 months are:

 - Identifiers, including name, email address, phone number account name, IP address, and an ID or number assigned to your account.

 - Customer records, billing and shipping address, and credit or debit card information.

 - Demographics, such as your age or gender. This category includes data that may qualify as protected classifications under other California or federal laws.

 - Commercial information, including purchases and engagement with the Services.

 - Audio or visual data, including pictures or videos you post on our Service.

 - Geolocation data, including location enabled services such as WiFi and GPS.

 - Employment and education data, including information you provide when you apply for a job with us.

 - Inferences, including information about your interests, preferences and favorites.

For more information on our collection practices, including the sources we receive information from, please review the different forms of information collected through various means as described in more detail in Sections 1 – 6 above. We collect and use these categories of personal information for the business purposes also described in Sections 1 – 6, as well as our sharing practices described in Section 7.

Right to Know and Delete 

If you are a California resident, you have the right to delete the personal information we have collected from you and the right to know certain information about our data practices in the preceding 12 months. In particular, you have the right to request the following from us:

 - The categories of personal information we have collected about you;

 - The categories of sources from which the personal information was collected;

 - The categories of personal information about you we disclosed for a business purpose or sold;

 - The categories of third parties to whom the personal information was disclosed for a business purpose or sold;

 - The business or commercial purpose for collecting or selling the personal information; and

 - The specific pieces of personal information we have collected about you.

We have a duty as the holder of certain personal information to verify your identity when making requests to know or delete personal information and to ensure that dissemination of that information would not cause harm to you if it were distributed to another person. 

To verify your identity, we will request and collect additional personal information from you to match it against our records. We may ask for additional information or documentation if we feel it is necessary to confirm your identity with the necessary degree of certainty. We may communicate with you through email, a secure message center, or other reasonably necessary and appropriate means. 

We do have the right to deny requests under certain circumstances. In such cases, we will notify you of the reasons for denial. We will not provide you with specific pieces of personal information if the disclosure creates a substantial, articulable, and unreasonable risk to the security of that personal information, your account with us, or the security of our systems or networks. In no event will we disclose, if we have collected it, your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answers.

To the extent we sell your personal information as the term “sell” is defined under the California Consumer Privacy Act, you have the right to opt-out of the sale of your personal information by us to third parties at any time. You may submit a request to opt-out of by clicking Do Not Sell My Personal Information. You may also submit a request to opt-out by emailing us at PHIL@PHILSMARKETINGHELP.COM.

You may submit a request through a designated agent. You must instruct that agent that they will need to state that they are acting on your behalf when making the request, have reasonably necessary documentation, and be prepared to provide the necessary personal information to identify you in our database.

Right to Non-Discrimination

You have the right not to receive discriminatory treatment by us for the exercise of any your rights.

Financial Incentives

Financial incentives are programs, benefits, or other offerings, including payments to consumers as compensation, for the disclosure, deletion, or sale of personal information about them.

We may offer discounted prices to consumers who sign up to be on our mailing lists or join our loyalty programs. Such programs will have additional terms that require your review and agreement. Please review those terms for the details of those programs, how to withdraw or cancel, or to assert your rights specific to those programs.

We generally do not treat consumers differently if they exercise a right under California law. However, in certain circumstances, discounted prices will require you to be on our mailing list or a member of our loyalty program. In such circumstances, we may offer a price difference because the price is reasonably related to the value of your data. The value of your data will be explained in the terms of such incentivized programs.

California’s “Shine the Light” law permits customers in California to request certain details about how certain types of their information are shared with third parties and, in some cases, affiliates, for those third parties’ and affiliates’ own direct marketing purposes. Under the law, a business should either provide California customers certain information upon request or permit California customers to opt out of this type of sharing.

To exercise a Shine the Light request, please contact us at PHIL@PROSPERITYWITHPHIL.COM or WWW.PHILSMARKETINGHELP.COM c/o Legal Department , 24 HAYWARD COURT TE PUKE NEW ZEALAND. You must put the statement “Your California Privacy Rights” in the body of your request, as well as your name, street address, city, state, and zip code. In the body of your request, please provide enough information for us to determine if this applies to you. Please note that we will not accept inquiries via the telephone, email, or by facsimile, and we are not responsible for notices that are not labelled or sent properly, or that do not have complete information. 

If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us here or email us at PHIL@PHILSMARKETINGHELP.COM with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account.