Last updated: December 7, 2023
Your privacy is important to us. This Privacy Policy (“Policy”) applies to services provided by KALM LLC d/b/a FinCEN Guidance (“Company,” “we,” “us,” or “our”), our website FinCENguidance.com (the “Site”), our Terms of Use (“Legal Terms”), as well as any other related products and services (collectively, the “Services”).
Our Policy explains what information we collect from you (“you”) when using our Services or the Site, including information that may be used to personally identify you (“Personal Information”) and how we use it. In this Policy, “you” or “your” refers to you, a user of the Services. A “user” is you or anyone who accesses, browses, or in any way uses the Site or our Services. If you are an individual acting on behalf of a company or client, you accept this Policy on behalf of your company or client, as the case may be.
This Policy applies to any user or visitor to our Site or user of our Services. We will be the controller of your personal data provided to, or collected by or for, or processed in connection with, our Services. We reserve the right, in our sole discretion, to make changes or modifications to this Policy from time to time. We will alert you about any changes by updating the "Last updated" date of this Policy, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review this Policy to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Policy by your continued use of the Services after the date such revised Policy is posted.
BY ACCESSING OR OTHERWISE USING THE SITE OR SERVICES, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY, WHICH IS INCORPORATED INTO AND FORMS PART OF OUR TERMS OF SERVICE. YOU EXPRESSLY CONSENT TO THE PROCESSING AND USE OF YOUR INFORMATION AS DESCRIBED HEREIN.TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
We will only collect and process Personal Information about you where we have lawful bases. Lawful bases include consent (where you have given consent); contract (where processing is necessary for the performance of a contract with you (e.g., to deliver the Services you have requested)); “legitimate interests”; legal obligations; and vital interests.
We collect information that you give us when you create an account, contact us, visit our Site or otherwise access or use our Services, any information you voluntarily submit to us, and information regarding how you use the Services. Specifically, the foregoing includes:
2. HOW DO WE USE THE INFORMATION WE COLLECT?
We use the information we collect to:
3. DO WE SHARE YOUR PERSONAL INFORMATION?
We do not rent, sell, or share your Personal Information with other people or non-affiliated third parties except with your consent or as necessary to complete any transaction or provide any service you have requested or authorized.
To help us do our work, we may provide limited access to some of your Personal Information to the following third parties:
We may store information such as survey responses and contact information, that are necessary to enable us to operate effectively and deliver our Services to you. We may also transfer your Personal Information to a third-party as a result of a merger, acquisition, reorganization or similar transaction; when required by law or to respond to legal process; to protect our customers; to protect lives; to maintain the security of the Services; and to protect the rights or property of Company. In such event, and to the extent legally permitted, we will notify you and, if there are material changes in relation to the processing of your Personal Information, give you an opportunity to consent to such changes.
4. PROTECTION OF COMPANY AND OTHERS
We will also share Personal Information with companies, organizations, or individuals outside of Company if we have a good-faith belief that access, use, preservation, or disclosure of your Personal Information is reasonably necessary to detect or protect against fraud or security issues, enforce our terms of use, meet any enforceable government request, defend against legal claims, or protect against harm our legal rights or safety.
5. HOW DO WE USE TRACKING TECHNOLOGIES?
A "cookie" is a small file placed on your hard drive by some of our web pages. We, or third parties we do business with, may use cookies to help us analyze our web page flow, customize our services, content, and advertising, measure promotional effectiveness and promote trust and safety. Cookies are commonly used at most major transactional websites in much the same way we use them in our Services. You may delete and block all cookies from our Services, but parts of the Services may not work. We want to be open about our cookie use. Even if you are only browsing the Services, certain information (including computer and connection information, browser type and version, operating system and platform details, and the time of accessing the Services) is automatically collected about you. This information will be collected every time you access the Services and it will be used for the purposes outlined in this Privacy Policy. You can reduce the information cookies collected from your device. An easy way of doing this is often to change the settings in your browser. If you do that you should know that (a) your use of the Services may be adversely affected (and possibly entirely prevented), (b) your experience of this and other sites that use cookies to enhance or personalize your experience may be adversely affected, and (c) you may not be presented with advertising that reflects the way that you use our and other sites. You can find out how to make these changes to your browser at this site: www.allaboutcookies.org/manage-cookies/. Unless you have adjusted your browser settings so that it will refuse cookies, our system will send cookies as soon as you access our Services. By using the Services you consent to this, unless you change your browser settings.
6. HOW DO WE SECURE YOUR PERSONAL INFORMATION?
We take reasonable steps to protect your Personal Information against unauthorized access, alteration, disclosure, misuse, or destruction. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. The safety and security of your Personal Information also depends on you. If you have an account with us, you are responsible for keeping your membership details confidential. Your account is protected by your account password and we urge you to take steps to keep your Personal Information safe by not disclosing your password and by logging out of your account after each use. We further protect your Personal Information from potential security breaches by implementing certain technological security measures including encryption, firewalls and secure socket layer technology. However, these measures do not guarantee that your Personal Information will not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. By using the Services, you acknowledge that you understand and agree to assume these risks.
We retain your personal data while your account is in existence or as needed to provide you Services. This includes data you or others provided to us and data generated or inferred from your use of the Services.
7. YOUR CHOICES REGARDING INFORMATION
You have several choices regarding the use of Personal Information on the Services:
8. LINKS TO THIRD-PARTY WEBSITES
We may provide links to other websites. We have no control over these websites and they are subject to their own terms of use and privacy policies. As such, we do not endorse and are not responsible for the availability of, or for any content, advertising, products, or other materials on or available from, these third-party websites.
By using the Services, you agree that we will not be liable for any damage or loss caused by your use of or reliance on any content, advertising, products, or other materials on or available from these third-party websites.
9. HOW WE RESPOND TO DO NOT TRACK SIGNALS
Your browser settings may allow you to automatically transmit a Do Not Track signal to websites and other online services you visit. We do not alter our practices when we receive a Do Not Track signal from a visitor’s browser because we do not track our visitors to provide targeted advertising. To find out more about Do Not Track, please visit http://www.allaboutdnt.com.
10. MINORS UNDER AGE 18
The Services are not directed to individuals who are under age of eighteen (18) and we do not solicit nor knowingly collect Personal Information from children under the age of eighteen (18), except as required pursuant to FinCEN BOI reporting requirements for minors. If you believe that we have collected unpermitted Personal Information from someone under the age of eighteen (18), please contact us immediately at contact@fincenguideance.com and the information will be deleted accordingly.
11. THIRD-PARTY DIRECT MARKETING
We currently do not share personal data with third parties for their direct marketing purposes without your consent.
12. USERS OUTSIDE THE UNITED STATES
Our Company is based in the United States. The Services are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your Personal Information.
13. CONTACT US
If you have any questions about this Policy, your Personal Information, or the Services, you can contact us at:
KALM LLC d/b/a FinCEN Guidance
3948 Market St., No. 24676
Minneapolis, MN 55424
U.S.A.
Phone: +1 (952) 900-0888