This Privacy Policy (“Policy”) is meant to serve users of this website as a means to disclose why and how we collect, use, process, share, manage, and store your personal information and data. This is a required right under most countries’ privacy policy laws and is meant to provide the best experience for users in regard to their data privacy.

a.) Contact Details. If, at any time, users would like to exercise any of the rights granted in this Policy, they may do so by contacting us at any of the methods provided:

• Company Name: Balanced Achievement
• Address: 7124 Southwest Avenue, St. Louis, MO., 63143
• Phone: (314) 596-6679
• E-Mail: info@balancedachievement.com

b.) Website Details.

• Website Name: Balanced Achievement
• Website URL: https://balancedachievement.com

Why We Collect Personal Data:

Balanced Achievement collects personal data for the following purposes:

What Personal Data We Collect:

In the past 12 months, we have or had the intention of collecting data in the following categories:

• Identifiers. A real name or alias, postal address, signature, phone number or e-mail address, or other similar identifiers.
• Internet or Other Similar Network Activity. Browsing history, search history, and information on a consumer’s interaction with a website, application, or advertisement.
• Geolocation Data. Physical location or movements. For example, city, state, country, and ZIP code associated with your IP address or derived through Wi-Fi triangulation; and, with permission in on your mobile device settings, and precise geolocation information from GPS-based functionality on your mobile devices.
• Inferences Drawn From Other Personal Information. Profile reflecting a person’s preference, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

How We Collect Personal Data:

Balanced Achievement collects personal data through the following means:

Comments:

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media:

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact Forms:

When visitors use contact forms on the site, we collect the name and email address shown in the name and email address form fields and also the visitor’s IP address and browser user agent string to help spam detection.

Embedded Content From Other Websites:

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

Cookies:

The website uses “cookies” to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer.

Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. We may use cookies to collect, store, and track information for statistical purposes to operate our website and Services.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

To learn more about cookies and how to manage them, visit this link to read our Cookie Policy: Balanced Achievement Cookie Policy.

Google Analytics:

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

Sharing Personal Information:

We disclose your Personal Information to 3^rd parties for business purposes. The general categories of 3^rd parties that we share with are as follows:

• Our 3^rd party service providers that, without their services, our website would not be able to function in its current manner;
• Affiliated websites and businesses in an effort to bring you and our users improved services, products, and offerings;
• Other companies, affiliate partners, and 3^rd parties that help us advertise products, services, and offerings to you, other users, and potential new customers;
• Third (3^rd) parties to whom you, or an authorized agent on your behalf, authorized us to disclose your Personal Information;
• Third (3^rd) parties or affiliates in connection with a corporate transaction, such as a sale, consolidation, or merger of our financial institution or affiliated business; and
• Other third (3^rd) parties to comply with legal requirements or to disclose Personal Information to government authorities per the rule of law;

In the last 12 months, it is recognized that we have disclosed the aforementioned categories of Personal Information for business purposes.

Advertisements:

In the past 12 months and in the present time, our website Has Had/Does Have Advertisements. You may see advertisements by use of our website. These advertisements may be for either 1.) our own products, services, offerings, and content 2.) via 3^rd party advertising networks (such as AdSense), or 3.) Affiliate programs such as Amazon.com Associates Central or related services.

The advertisements presented to you may use your personal information and may contact you through other channels outside of the website, such as telephone, e-mail, and mailings. We do not disclose your personal information to 3^rd party advertisers except as permitted by applicable laws and regulations, and we require that such 3^rd party advertisers follow such applicable laws and regulations when they collect information from you to transfer such information to us.

Linking to Third (3rd) Parties:

We may provide links to 3^rd party sources such as websites, applications, content, or software (“3^rd Parties”). When you use a link online to visit 3^rd Parties, you will be subject to their privacy policy and the jurisdiction of governing law. It is recommended to familiarize yourself with its terms and disclosures regarding your Personal Information. We are not responsible for the handling of your Personal Information when using, accessing, or visiting 3^rd Parties.

Selling Personal Information:

In the past 12 months and in the present time, our website HAS NOT/DOES NOT Sell Your Personal Information. It is not our policy to sell Personal Information, and we have done so in the preceding 12 months.

Data Security & Retention:

We implement a variety of physical, electronic, and procedural security measures, that comply with federal standards, to safeguards, protect, and maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. This includes device safeguards used in accordance with industry standards.

We offer the use of a secure server. All supplied information is transmitted via Secure Socket Layer (SSL) technology and only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential.

We don’t share information that personally identifies you with advertisers, such as your name or email. We don’t show you personalized ads based on sensitive categories, such as race, religion, sexual orientation, or health. 

We keep your personal data only as long as necessary to provide you with our services and for Balanced Achievement’s legitimate and essential business purposes.

What Rights You Have Over Your Data:

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Industry Regulatory Disclosure Requirements:

This Policy attempts to provide as much transparency as possible in regard to disclosing the fullest amount of information on how we collect, use, and manage users’ data. In an effort to satisfy such efforts, we provide the following disclosures in regard to specific countries’ privacy laws:

Canadian Users:

As defined under Canadian law, Personal Information means information about an identifiable individual. The disclosures mentioned herein are meant to transparently convey the methods of collecting, managing, storing, using, protecting, and sharing Personal Information by users. Users grant their consent to this Policy through it being readily available for viewing in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA).

European Union (EU) Users: 

In accordance with the General Data Protection Regulation (GDPR), all European Union (EU) users are entitled to specific data protection rights and disclosures, including, but not limited to:

• Right to Access. You have the right to request copies of your personal data. We may charge you a small fee for this service.
• Right to Rectification. You have the right to request to correct any information you believe is inaccurate on our systems. In addition, you have the right to request that we fulfill any information that you believe is incomplete.
• Right to Erasure. You have the right to request that we erase your personal data under certain conditions.
• Right to Restrict Processing. You have the right to request that we restrict the processing of your personal data under certain conditions.
• Right to Object to Processing. You have the right to object to our processing of your personal data under certain conditions.
• Right of Data Portability. You have the right to request that we transfer any personal data that we have collected to another organization, or directly to you, under certain conditions.

Any request made under this section must be processed within one (1) month if made through any of the methods mentioned in Section 1 of this Policy.

California Users:

Your privacy and rights under the California Consumer Privacy Act (CCPA) and the California Online Privacy Protection Act (CalOPPA) are important to us. We offer this document as a resource to view how we collect, manage, store, and use your personal information in the day-to-day running of our website. This Policy adheres to the rights granted to California users in regard to how we collect, manage, store, and use your personal information as defined under CIV 1798.140(v) of the California Consumer Privacy Act (CCPA).

If you are a California resident, the following sections describe your rights and choices regarding how we collect, share, use, and protect your Personal Information, how to exercise those rights, and limits and exceptions to your rights and choices under the CCPA.

a.) Exceptions. The rights and choices in this Section do not apply to you if the information being collected is:

• Aggregate consumer information;
• Deidentified Personal Information; and
• Publicly available information.

b.) Access to Information. If the above exceptions do not apply, and you have not made this request more than twice in a 12-month period, you have the right to request that we disclose certain information to you about our collection and use of your Personal Information over the past 12 months from the date we receive your request. Once we receive and confirm your request on your behalf, we will disclose it to you or your representative:

• The categories of Personal Information we collect;
• The categories of sources for the Personal Information we collect;
• Our business or commercial purpose for collecting or selling such Personal Information;
• The categories of third parties to whom we sold or disclosed the category of Personal Information for a business or commercial purpose;
• The business or commercial purpose for which we sold or disclosed the category of Personal Information; and
• The specific pieces of Personal Information we collected about you in a form that you can take with you (also called a “Data Portability Request”).

c.) Deletion Request Rights. You have the right to request that we delete any of your Personal Information that we collect from you and retain, subject to certain exceptions. Once we receive and verify your request, we will delete and direct our service providers to delete your Personal Information from our records unless an exception applies. We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:

• Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those for such activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, or exercise another right provided by law;
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the businesses’ deletion of the Personal Information is likely to render impossible or seriously impair the achievement of such research if you previously provided informed consent.
• Enable solely internal and lawful uses of such Personal Information that are compatible with the context in which you provided it.

d.) Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability, deletion rights, or any other rights mentioned herein, a consumer or a consumer’s authorized agent may submit a verifiable request to us by using the contact details in Section 1.

e.) Requests. You may only make a verifiable consumer request for access or data portability, in relation to this Section, twice within a 12-month period. We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information is related to you.

Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided via a verifiable consumer request to verify the requestor’s identity or authority to make the request.

f.) Authorized Agent. An authorized agent is any person or legal entity registered with the Secretary of State or similar office that you have authorized to act on your behalf. If a request is made by an authorized agent acting on your behalf, we may require the following:

• Submission of evidence by you with your permission for the authorized agent to submit a verifiable request on your behalf;
• For you to directly acknowledge, via electronic communication, that the authorized agent is allowed to act on your behalf;
• Require the authorized agent to verify their identity; or
• For a power of attorney document to be submitted that is signed in accordance with state law.

We reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us.

g.) Response Timing and Format. As required under CCPA, we agree to respond to any verifiable consumer request within 45 days of its receipt. If we require more time, with a maximum of 90 days, we will inform you, in writing, of the reason. Such notification will be by e-mail unless there is another preferred communication method provided.

Any response we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance. No fee will be charged to process or respond to your verifiable consumer request.

h.) Right of Non-Discrimination. We do not discriminate against you for exercising any of your rights in this Policy and under applicable laws. Unless permitted by law, we will not:

• Deny you goods or services;
• Charge you different prices or rates for goods, services, and offerings, including through granting discounts or other benefits, imposing penalties; or
• Provide you with a different level of quality of goods or services.

Changes & Amendments:

We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we agree to notify you by e-mail or other preferred communication methods.

Contact:

If you have any questions or comments about this Policy, the ways in which we collect and use your Personal Information, your choices, or your rights regarding such use, or wish to exercise your rights, please do not hesitate to contact us by using the details mentioned at the beginning of this Policy.

This page was last updated on May 15th, 2023.