Rate Cuts Don’t Stop Market Drop
December 19, 2024
PRIVACY POLICY
Effective Date: July 1, 2023
Introduction
Welcome. You have arrived at a website provided by American Hartford Gold Group (“American Hartford Gold,” “Company” or “we,” “our” or “us”). We respect your privacy and want to protect your personal information.
This Privacy Policy governs www.americanhartfordgold.com, www.hgoldgroup.com, their subdomains, and all portals, applications, products, goods, services, events, and any interactive features, applications, or other services that post a link to this Privacy Policy (the “Site”). This Privacy Policy also applies to Personal Information that we may collect from you via our website, phone calls or other communications with our representatives or in any other instance when you contact us. For the purpose of this Notice, “Personal Information” means any personal information relating to an identified or identifiable individual that is protected by applicable privacy laws. We refer to all of the above as our “Services.”
We are required by law to tell you what information we collect from you, why we collect it, how we use it, under what circumstances we may share it with third parties, how we protect that information, and how you may opt out of the sale of that information. As a preliminary matter, we handle all information you provide us with the utmost confidentiality. At times, we may need to disclose your personal information to third parties outside the company who may be assisting us with providing Services to you, as set forth in this Policy. If you have questions about this Privacy Policy, contact us at privacy@americanhartfordgg.com.
Please note that if you voluntarily provide your information in the course of interacting with our Site, speaking with one of our representatives on the phone or otherwise using our Services, we will take that as your agreement to our collection, use, and disclosure of your information as set forth in this Privacy Policy. This Privacy Policy is incorporated into our Terms of Use which govern your use of this Site.
By using our Site or speaking to our representatives about our Services, you consent to our Privacy Policy and agree to our Terms of Use.
This Privacy Policy does not apply to any products, goods, services, websites, or content that are offered by third parties (“Third Party Services”), which are governed by their respective privacy policies.
Table of Contents
1. What Information We Collect
2. Why We Collect Information
3. When We Disclose Information
4. Ads and Information About You
5. Use of Cookies and other Tracking Technologies
6. Your Choices About the Information We Collect
7. Children’s Privacy
8. Visitors to the Site Outside of the United States
9. Updating Personal Information
10. Links
11. Security
12. International Data Transfers
13. Your California Privacy Rights
14. Your Privacy Rights under Other US State Laws
15. Questions / Changes in Privacy Policy
1- What Information We Collect
(a) Information You Provide to Us
In connection with the Services we provide, we may ask you to provide us with certain information, including your first and last name, email address, home and/or business address, telephone number, mobile number, username, credit card or debit card number, your birthdate or age, your payment and/or service history, current or past employment information, your military or veteran status, your marriage status, educational information; if you open an investment account with us, your social security number, banking information or other financial information; recordings of your voice as may be contained in phone recordings kept for quality assurance purposes; social media information, such as social media handles, content and other data shared with us through third-party features that you use on our Site and other service (such as apps, tools, payment services, widgets and plug-ins offered by social media services like Facebook and Twitter) or posted on social media pages (such as our social media page or other pages accessible to us); other information that could reasonably be used to identify you personally or identify your household or device. Your decision to provide us with information is voluntary, but if you choose not to provide requested information, you may not be able to take advantage of all of the Site’s features or our Services.(b) Information That Is Automatically Collected
In addition to information that you choose to submit to us, we and/or our service providers may automatically collect and/or store certain information when you visit or interact with the Site (“Usage Information”). This Usage Information may be stored and/or accessed from your personal computer, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with our Site. Usage Information may include:- Your IP address, IDFA, Android/Google Advertising ID, IMEI, or another unique identifier;
- Your Device functionality (including browser, browser language, operating system, hardware, mobile network information);
- Referring and exit web pages and URLs;
- The areas within our Site that you visit and your activities there, including remembering you and your preferences;
- Your Device location or other geolocation information, including the zip code, state or country from which you accessed the Services;
- Your Device characteristics; and
- Certain other Device data, including the time of day you visit our Site.
(c) Sources of Personal Information
Additionally, we may obtain Personal Information from you where you expressly provide us with the information. Examples of sources from which we collect information include interviews and phone calls with you, letters, e-mails or other communications from you, information provided via web forms or inputs/uploads into our Site or at events we attend or sponsor, documents you have provided to us, employment applications, and information from third party sites and/or integrations or from other third parties as described below.(d) Information We Collect When You Interact with Third-Party Sites
The Site may include functionality that allows certain kinds of interactions between the Site and your account on a third-party website or application. The use of this functionality may involve the third-party site providing information to us. For example, we may provide links on the Site to facilitate sending a communication from the Site or we may use third parties to facilitate emails or postings to social media (like a “Share” or “Forward” button). These third parties may retain any information used or provided in any such communications or activities and these third parties’ practices are not subject to our Privacy Policy. We may not control or have access to your communications through these third parties. Further, when you use third-party sites or services, you are using their services and not our services and they, not we, are responsible for their practices. You should read the applicable third-party privacy policies before using such third-party tools on our Site. Please also see our Terms of Use for further information.(e) Information from Third Parties
In addition, we may collect information about you from other sources, including consumer credit reporting agencies and state or federal agencies. We may also obtain information about you from marketers and market research firms. We may combine the information we collect from third parties with information that we have collected from you or through your use of the Services. 2- Why We Collect Information? We may use your information for various purposes, including:- Responding to your requests for information;
- Providing Services to you;
- Verifying your identity and for fraud prevention;
- Processing your payments;
- Evaluating your employment application;
- Providing you with updates and information about products and services we provide;
- Sending you marketing information about American Hartford Gold and our affiliated entities;
- Sending you email communications such as electronic newsletters about our Services and events and promotions which may be of interest to you;
- Improving the effectiveness of our Site, our marketing endeavors, and our product and service offerings;
- Identifying your product and service preferences, providing personalized content and ads and informing you of new or additional information, products and services that may be of interest to you;
- Helping us address problems with and improve our Site and our products and services, including testing and creating new products, features, and services;
- Providing mobile marketing messages and other communications and messages;
- Protecting the security and integrity of the Site, including understanding and resolving any technical and security issues reported on our Site;
- Administering employee benefits, such as medical, dental, commuter and retirement benefits, including recording and processing eligibility of dependents, absence and leave monitoring, insurance and accident management, rewards or discount programs offered to employees;
- Engaging in analysis, research, and reports regarding the use of our Site and Services;
- For internal business purposes;
- Complying with the law and protecting the safety, rights, property or security of American Hartford Gold, the Services, and the general public;
- For purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy; and
- For other purposes.
- To comply with a validly issued and enforceable subpoena or summons.
- In the course of a review of our company’s practices under the authorization of a state or national licensing board, or as necessary to properly respond to an inquiry or complaint from such a licensing board of organization.
- In conjunction with a prospective purchase, sale, or merger of all or part of our practice, provided that we take appropriate precautions (for example, through a written confidentiality agreement) so the prospective purchaser or merger partner does not disclose information obtained in the course of the review.
- As a part of any actual or threatened legal proceedings or alternative dispute resolution proceedings either initiated by or against us, provided we disclose only the information necessary to file, pursue, or defend against the lawsuit and take reasonable precautions to ensure that the information disclosed does not become a matter of public record.
- To provide information to affiliates of the company and nonaffiliated third parties who perform services or functions for us in conjunction with our services to you, but only if we have a contractual agreement with the other party which prohibits them from disclosing or using the information other than for the purposes for which it was disclosed. Examples of such disclosures include using a payment processor, reservations maker, merchandise store, customer service provider, email marketing provider, or food delivery service.
- To allow you to use and access the Site, including for the prevention of fraudulent activity and improved security functionality;
- To assess the performance of the Site, including as part of our analytic practices or otherwise to improve the content, products or services offered through the Site;
- To offer you enhanced functionality when accessing the Site, including identifying you when you sign into our Site or keeping track of your specified preferences or to track your online activities over time and across third-party sites; and
- To deliver content relevant to your interests on our Site and third-party sites based on how you interact with our content.
7- Children’s Privacy
The Site is not intended for use by children under the age of 16. We do not request, or knowingly collect, any personally identifiable information from children under the age of 16. If you are the parent or guardian of a child under 16 who you believe has provided her or his information to us, please contact us at privacy@americanhartfordgg.com to request the deletion of that information.
8- Visitors to the Site Outside of the United States
If you are visiting the Site from a location outside of the U.S., your connection will be through and to servers located in the U.S. All information you receive from the Site will be created on servers located in the U.S., and all information you provide will be maintained on web servers and systems located within the U.S. The data protection laws in the United States may differ from those of the country in which you are located, and your information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the Site or providing us with any information, you consent to the transfer to, and processing, usage, sharing and storage of your information in the United States and in other countries, as set forth in this Privacy Policy.
9- Updating Personal Information
We prefer to keep your Personal Information accurate and up to date. If you would like to change your contact information, please contact us at privacy@americanhartfordgg.com. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable (but we may retain prior information as business records).
10- Links
For your convenience, the Site and this Privacy Policy may contain links to other websites. American Hartford Gold is not responsible for the privacy practices, advertising, products, services, or the content of such other websites. None of the links on the Site should be deemed to imply that American Hartford Gold endorses or has any affiliation with the links. Please see our Terms of Use for more information.
11- Security
We incorporate commercially reasonable safeguards to help protect and secure your Personal Information. However, no data transmission over the Internet, mobile networks, wireless transmission, or electronic storage of information can be guaranteed 100% secure. As a result, we cannot guarantee or warrant the security of any information you transmit to or from our Site, and you provide us with your information at your own risk.
12- International Data Transfers
Because American Hartford Gold works with global companies and technologies, we may transfer your Personal Information outside of the country in which it was originally provided. This may include transfers to third parties, such as service providers or affiliated entities who are located outside the United States or the European Union, where data protection laws may not offer the same level of protection as those in the U.S., E.U. or European Economic Area (“EEA”). When we transfer personal data outside of these areas, we take steps to make sure that appropriate safeguards are in place to protect your Personal Information.
13- Your California Privacy Rights
This section of the Policy applies solely to California residents. We adopt this Section to comply with the California Consumer Privacy Act of 2018 (“CCPA”) as amended by the California Privacy Rights Act (“CPRA”). Any terms defined in the CCPA or CPRA have the same meaning when used in this Section.
California residents have the following rights:
- To know the categories of personal information being collected about you, the purposes for which the categories of information are collected or used, and whether that information is sold or shared;
- To know the length of time we intend to retain each category of personal information;
- To know whether your personal information is sold or disclosed and to whom;
- To access your personal information;
- To delete the information you have provided to us, with certain exceptions;
- To correct your personal information;
- To opt out of the sale of personal information;
- To know if Sensitive Personal Information (“SPI”) is being collected about you, the categories of SPI being collected, the purposes for which the categories of SPI are collected or used, and whether the SPI is sold or shared;
- To limit the use of your SPI if it is used for cross-contextual behavioral advertising or for the purposes of inferring characteristics about you; and
- Not to be discriminated against, even if you exercise your privacy rights.
- The categories of personal information collected about you;
- The categories of sources from which the personal information is collected;
- The business or commercial purpose for collecting, selling or sharing personal information;
- The categories of third parties to whom the business discloses personal information; and
- The specific pieces of personal information collected about you.
| Category of Personal Information | Examples of this Category | Sources of Personal Information | Business Purpose for Collection | Collected | Sold | Shared |
|---|---|---|---|---|---|---|
|
A. Identifiers Cal. Civ. Code 1798.140(v)(1)(A) |
Real name, alias, postal address, unique personal identifier, online identifier, Internal Protocol address, email address, account name, social security number, driver’s license number, passport number or other similar identifiers. |
You
Automatically
Third Parties |
To provide our products and Services To provide information you requested To improve our products and Services To identify potential customers To market our products and Services To verify identity To prevent fraud To process payments To comply with law To offer employment, to provide insurance and benefits, for background checks |
Yes |
No |
Yes – service providers |
|
B. Personal information described in California Civ. Code § 1798.80(e) Cal. Civ. Code 1798.140(v)(1)(B) |
Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. |
You
Automatically
Third Parties |
To provide our products and Services To provide information you requested To improve our products and Services To identify potential customers To market our products and Services To verify identity To prevent fraud To process payments To comply with law To manage payroll and provide and administer employee benefits |
Yes |
No |
No |
|
C. Characteristics of protected classifications under California or federal law Cal. Civ. Code 1798.140(v)(1)(C) |
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or credit, marital status, medical condition (AIDS/HIV status, cancer), physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information), political activities or affiliations, familial status, source of income status, status as a victim of domestic violence, assault, or stalking. |
N/A |
To provide our products and Services to customers To improve our products and Services To offer employment, to provide insurance and benefits, for background checks To comply with law |
No |
N/A |
N/A |
|
D. Commercial information Cal. Civ. Code 1798.140(v)(1)(D) |
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
You
Automatically
|
To provide our products and Services To market our products and Services To improve our products and Services To provide information you requested To comply with law |
Yes |
No |
No |
|
E. Biometric information Cal. Civ. Code 1798.140(v)(1)(E) as defined in Cal. Civ. Code 1798.140(c) |
An individual’s genetic, physiological, biological or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA) or activity patterns that can be used to establish individual identity, including images of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health or exercise data that contain identifying information. |
N/A |
N/A |
No |
N/A |
N/A |
|
F. Internet or other electronic network activity information Cal. Civ. Code 1798.140(v)(1)(F) |
Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. |
Automatically
|
To provide our products and services To market our products and services To improve our products and services (e.g., usage pattern data) To track employee actions for internal reports and information security purposes |
Yes |
No |
Yes |
|
G. Geolocation data Cal. Civ. Code 1798.140(v)(1)(G) |
Physical location and/or movements. |
You
Automatically
Third Parties |
To market our products and services To detect security incidents and protect our Site |
No |
N/A |
N/A |
|
H. Sensory data Cal. Civ. Code 1798.140(v)(1)(H) |
Audio, electronic, visual, thermal, olfactory, or similar information. |
You
Automatically |
To provide our products and services |
Yes |
No |
No |
|
I. Professional or employment related information
Cal. Civ. Code 1798.140(v)(1)(I) |
Current or past job history or performance evaluations |
You |
To provide our products and Services To offer employment, to provide insurance and benefits, for background checks |
Yes |
No |
No |
|
J. Non-public education information (per the Family Educational Rights and Privacy Act – 20 U.S.C. § 1232g, 34 CFR Part 99) Cal. Civ. Code 1798.140(v)(1)(J) |
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. |
You Third Parties |
N/A |
Yes - for job applicants |
No |
No |
|
K. Inferences drawn from other Personal Information Cal. Civ. Code 1798.140(v)(1)(K) |
Information used to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
You Automatically Third Parties |
To provide our products and services To market our products and services To improve our products and services To detect security incidents and protect our Site |
Yes |
No |
No |
|
L. Sensitive Personal Information Cal. Civ. Code 1798.140(v)(1)(L) |
Social security number, driver’s license number, account log-in, debit, or credit card number in combination with password or PIN, precise geolocation (less than 1850 sf radius), racial/ethnic origins, religious or philosophical beliefs, union membership, contents of e-mails or texts to others, genetic/biometric data, health information, sex life/sexual orientation data |
You |
N/A |
Yes |
No |
No |
Do Not Sell My Personal Information
As a California resident, you also have the right, at any time, to tell us not to sell personal information – this is called the “right to opt-out” of the sale of personal information. We do not sell Personal Information, but we recognize that some privacy laws define “personal information” in such a way that making available identifiers linked to you for a benefit may be considered a “sale.” To opt-out of this, please click on this link.
Right to Limit Use of Sensitive Personal Information
California consumers have the right to limit the use of each type of Sensitive Personal Information for each purpose with each type of third-party partner. Consumers can revoke this permission at any time. Please note that we only keep your Sensitive Personal Information for a limited time, and only for the transaction for which it is required. Currently, we do not provide your Sensitive Personal Information to any third parties other than those service providers that are necessary for us to provide our Services to you.
Right Not to Be Discriminated Against
We will not discriminate against you for exercising any of your rights under the CCPA. Unless permitted by California law, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
However, as permitted by California law, we may offer you certain financial incentives that can result in different prices, rates, or quality levels. Any permitted financial incentive we offer will reasonably relate to the value of your Personal Information, for instance, if you sign up for a newsletter with us, we may provide you with discounts for future Services. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
Third Party Marketing
California Civil Code Section 1798.83 permits our users who are California residents to request and obtain from us a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. We do not currently disclose personal information protected under this section to third parties for their own direct marketing purposes.
Exercising Your California Privacy Rights
You or your authorized agent may make a request to access, correct, delete, opt-out of the sale of your Personal Information, or limit the use of your Sensitive Personal Information by contacting us as follows:
Email Address: privacy@americanhartfordgg.com
Postal Address:
American Hartford Gold Group
11755 Wilshire Blvd. 11th Floor
Los Angeles, CA 90025
Toll-Free Number: (888) 914-9661 PIN: 807213
Web Form: CLICK HERE
If you use an authorized agent to submit your request, we may require proof of the written authorization you have given. We also may require you to confirm your identity and your residency to obtain the information, and you are only entitled to make this request twice in a 12-month period. For emails, please include “California Privacy Rights” as the subject line. You must include your full name, email address, and attest to the fact that you are a California resident. We will acknowledge your request within 10 days and respond to your request within 45 days or let you know if we need additional time. If you make this request by telephone, we may also ask you to provide the request in writing so that we may verify your identity. If we are unable to honor your request for any reason, we will notify you of the reason within the request time period.
14- Your Privacy Rights under Other US State Laws
If you are a resident of Colorado, Connecticut or Virginia, you have the right, upon a verified request, to:
- To confirm whether a controller is processing your personal data and to access such personal data;
- To correct inaccuracies in your personal data;
- To delete your personal data;
- To obtain a copy of your personal data that you previously provided to us in a portable, and if technically feasible, readily usable format, if processing is carried out by automated means;
- To opt out of the processing of your personal data for purposes of (i) targeted advertising, (ii) the sale of personal data, or (iii) profiling in furtherance of decisions that produce legal or similarly significant effects concerning the consumer.
To exercise these rights, you or your authorized agent may make a request to confirm, access, correct, delete, obtain a copy, or opt-out of the processing of your personal data for targeting advertising, sale, or profiling by using this link or contacting us using the information in the Contact Us section below.
If you use an authorized agent to submit your request, we may require proof of the written authorization you have given. We also may require you to confirm your identity and your residency in order to obtain the information. For emails, please include “Privacy Rights” as the subject line. You must include your full name, email address, and attest to the fact that you are a resident of Colorado, Connecticut or Virginia. We will process your request within 45 days or let you know if we need additional time or cannot process your request. If you make this request by telephone, we may also ask you to provide the request in writing so that we may verify your identity. If we are unable to honor your request for any reason, we will notify you of the reason within the request time period.
Right to Opt Out Under Applicable State Laws
Residents of Colorado, Connecticut, Nevada and Virginia have the right to opt out of the sale of their Personal Information and targeted advertising. To exercise your right, please click on this link
California residents may have additional rights, as shown in the “Your California Privacy Rights” section above.
Opt-Out Preference Signals
Some browsers and browser extensions support opt-out preference signals such as the Global Privacy Control (“GPC”) that can send a signal to the websites you visit indicating your choice to opt-out from certain types of data processing, including data sales. GPC is a web browser-level setting, maintained by either a browser or a browser extension, that a user or privacy-focused technology can set. In certain regions, when we detect such a signal, we will make reasonable efforts to respect your choices, as required by applicable law.
Appeals of Our Decisions
In some states, you may appeal to us if we refuse to take action on your exercise of certain choices described above. To appeal such a refusal, please contact us using the information in the Contact Us section below with the subject line “Appeal of Refusal to Take Action on Privacy Request” and provide the relevant information in the email. If your appeal is denied, residents of certain states can contact their attorney general as follows:
15- Questions / Changes in Privacy Policy
If you have questions or concerns with respect to our Privacy Policy, you may contact us at privacy@americanhartfordgg.com. We may elect to change or amend our Privacy Policy; in such event, we will post the policy changes in our Privacy Policy on the Site, and they will become effective on the date posted. If you are concerned about how your personal information is used, please visit our site often for this and other important announcements and updates.
Postal Address:
American Hartford Gold Group
11755 Wilshire Blvd., 11th Floor
Los Angeles, CA 90025
Toll-Free Number: (888) 914-9661 PIN: 807213
Web Form: CLICK HERE
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