Privacy and Legal

The websites www.relative-solutions.com and www.familywealthsustainability.com (the “Sites”) are provided by Relative Solutions, LLC (“Relative Solutions”, “we”, “us” or “our”).  Your privacy is important to Relative Solutions.  By accessing or using the Sites, you consent to the use of your Personal Information (defined below) as described in this Privacy Policy.  If you are unwilling to consent to our collection and use of your Personal Information as described in this Policy, and to accept the terms in the Terms of Use, you should not access or use the Sites.  This Privacy Policy does not apply to our data collection activities offline or otherwise outside of the Sites (unless otherwise stated below).

 

Collection and Use of Personal Information

From time to time we collect, retain, and utilize Personal Information about you to operate our business and to make services and other opportunities available.  The term “Personal Information” means personally identifiable information that we obtain about you, including your name and email address.  We recognize and respect your privacy concerns about this information.  We obtain Personal Information in a variety of ways (for example, when you contact us directly by email, from your other transactions or experiences with us, or from other third parties).  Also, when you visit the Sites, we collect information that might or might not identify you for purposes of measuring the use of the Sites and improving its content, as described below.

We may also collect demographic information about you, such as information about your gender, occupation, and zip code by your entering such data at your User Profile page.  We will not combine Demographic Information with your Personal Information.  Relative Solutions operates a consulting business through which it helps families develop structures and processes that will enable them to make effective decisions and plan for the oversight and/or management of their shared assets.  That business is distinct from the Family Wealth Sustainability Toolkit.  Relative Solutions does not access or use any Personal Information collected from registered Family Wealth Sustainability Toolkit users for its separate consulting business.

Information We Collect or Store as You Access and Use the Sites

In addition to any Personal Information or other information that you choose to submit to us via our Sites, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with the Sites (“Usage Information”).  This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, laptop, tablet or mobile phone (a “Device”) whenever you visit or interact with our Sites.  Usage Information may be non‑identifying or may be associated with you.  To the extent that we associate Usage Information with your Personal Information, we will treat it as Personal Information.

This Usage Information may include:

  • your IP address or other unique identifier (“Device Identifier”).  A Device Identifier is a number that is automatically assigned to your Device used to access the Sites, and our computers identify your Device by its Device Identifier;
  • your Device functionality (including browser, operating system, hardware, mobile network information);
  • the URL that referred you to our Sites;
  • the areas within our Sites that you visit and your activities there, including remembering you and your preferences;
  • your Device location;
  • your Device characteristics; and
  • certain other Device data, including the time of day, among other information.
  • billing Information such as billing address if you purchase a product from our websites
  • email address for our email newsletter

We may use various developed methods and technologies to store or collect Usage Information (“Tracking Technologies”).  Tracking Technologies may set, change, alter or modify settings or configurations on your Device.  A few of the Tracking Technologies include, without limitation, the following (and subsequent technology and methods later developed):

Cookies.  A cookie is a data file placed on a Device when it is used to visit the Sites.  Cookies may generally be disabled or removed by tools that are available as part of most commercial browsers, and in some but not all instances, can be blocked in the future by selecting certain settings.  Each browser you use will need to be set separately and different browsers offer different functionality and options in this regard.  Please be aware that if you disable or remove cookies on your Device, some parts of our Sites may not function properly, and that when you revisit our Sites your ability to limit cookies is subject to your browser settings and limitations.

Web Beacons.  Small graphic images or other web programming code called web beacons (also known as “1×1 GIFs” or “clear GIFs”) may be included in our Site pages and messages.  Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a web beacon.  Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to the Sites, to monitor how users navigate the Sites, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.

Embedded Scripts.  An embedded script is programming code that is designed to collect information about your interactions with the Sites, such as the links you click on.  The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Sites, and is deactivated or deleted thereafter.

ETag, or entity tag.  A feature of the cache in browsers.  It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL.  If the resource content at that URL ever changes, a new and different ETag is assigned.  Used in this manner ETags are a form of Device Identifier.  ETag tracking may generate unique tracking values even where the consumer blocks cookies.

We may use Tracking Technologies for a variety of purposes, including:

Strictly Necessary.  We may use cookies or other Tracking Technologies that we consider are strictly necessary to allow you to use and access our Sites, including cookies required to prevent fraudulent activity, improve security or allow you to make use of shopping‑cart functionality.

Performance‑Related.  We may use cookies or other Tracking Technologies that are useful in order to assess the performance of the Sites, including as part of our analytic practices or otherwise to improve the content, products or services offered through the Sites.

Functionality‑Related.  We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing the Sites, including identifying you when you sign‑in to our Sites or keeping track of our specified preferences, including in terms of the presentation of content on our Sites.

There may be other Tracking Technologies now and later devised and used by us in connection with the Sites.  Further, third parties may use Tracking Technologies with our Site.  We may not control those Tracking Technologies and we are not responsible for them.  However, you consent to potentially encountering third party Tracking Technologies in connection with use of our Sites and accept that our statements under this Privacy Policy do not apply to the Tracking Technologies or practices of such third parties.

 

Disclosure of Information

Except as indicated within this Policy, we will not sell, rent or transfer your Personal Information to or otherwise share your Personal Information with third parties.  We may share or transfer your Personal Information as directed to do so by you.  We may otherwise transfer Personal Information or Usage Information to third party vendors who act for us for further processing in accordance with the purposes for which the information was originally collected, or for purposes to which you have subsequently consented.  For example, sometimes a third party vendor may have access to your Personal Information or Usage Information in order to support our information technology or help obtain, compile and manage the information for us.

We also may use your Personal Information or Usage Information that is subject to this Privacy Policy: (1) to provide you with information or services or process transactions that you have requested or agreed to receive; (2) to process your registration with the Sites, including verifying your information is active and valid; (3) to improve the Sites or our services, to customize your experience on the Sites, or to serve you specific content that is relevant to you; (4) to contact you with regard to your use of the Sites and, in our discretion, changes to the Sites and/or Site policies; (5) for internal business purposes, such as improving the Family Wealth Sustainability Toolkit and for research purposes; and (6) for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy.

 

We may access, use, preserve, transfer, and disclose your information (including Device Identifiers and Personal Information), including disclosure to third parties: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process if in our good faith opinion such is required or permitted by law; (ii) to protect and/or defend the Site Terms of Use or other policies applicable to the Sites, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Sites or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues.

 

Links to Other Websites

You should know that while visiting the Sites, you can be directed, through links, to other websites that are beyond our control.  For example, payment processing for use of the Family Wealth Sustainability Toolkit is handled by John Wiley & Sons, Inc.  Relative Solutions is not responsible for the privacy practices and policies of such linked websites.

Maintenance of Accurate Information

We have established procedures to correct inaccurate information in a timely manner.  If you have any reason to believe that Personal Information about you that is stored and maintained by us is incorrect, please contact us by email at: info@relative-solutions.com.

Protection of Personal Information

We strive to maintain the reliability, accuracy, completeness and currency of your Personal Information in our databases and to protect the privacy and security of our databases and the information we collect.  Any Personal Information that you provide to us will be stored on our computer network servers.  We maintain reasonable physical, electronic and procedural safeguards to protect the confidentiality of your Personal Information.  The security measures in place for the Sites and its servers aim to protect the loss, misuse or alteration of the information you provide to us.  If you have any questions or concerns regarding the security of your information, please email us at info@relative-solutions.com.

Business Transitions

In the event that Relative Solutions goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal Information or Usage Information might be among the assets transferred.  You will not be notified in advance of any such change in ownership or control of your Personal Information.

Choice/Opt-Out

 

You may choose to stop receiving our email newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at info@relative-solutions.com.

Changes in Privacy Policy

We reserve the right to change this Policy at any time, so you should review it each time you access the Sites.  If we change this Policy, we will post the revised Policy on the Sites.

Transfer of Personal Information to the United States

Our Sites are operated in the United States and intended for users located in the United States.  If you are located outside of the United States, please be aware that information we collect, including Personal Information, will be transferred to, and processed, stored and used in the United States.  The data protection laws in the United States may differ from those of the country in which you are located, and your Personal 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 Sites or providing us with any information, you consent to the transfer to, and processing, usage, sharing and storage of your information, including Personal Information, in the United States as set forth in this Privacy Policy.

Contact Us

If you have any questions or suggestions regarding this Policy, please contact us at: Privacy Officer, Relative Solutions, LLC, 24 W. Railroad Ave., PMB 289, Tenafly, NJ 07670, or by e-mail: info@relative-solutions.com.