Privacy

1. Who we are and how to contact us

Financial Fellowship LLC operates the website at financialfellowship.com (the "Site") and produces the Financial Fellowship podcast and related content (together, the "Service"). This Privacy Policy explains what personal information we collect, why we collect it, who else can see it, and how you can ask us to review, correct, or delete it.

Questions and privacy requests: ryan@financialfellowship.com. To make a request about your information, write to that address with "Privacy request" in the subject line.

2. What we collect

We collect personal information only when you choose to give it to us, or when your device provides it in the ordinary course of loading a web page.

Email signup. When you join our email list through a form on the Site, we collect your email address and any other field the form asks for. Our email service provider, Kit, stores the information and sends our email.

Questions for the show. When you send us a question, we collect what you send: a typed question, or a voice recording made through the voice message widget on the Site, which is provided by SpeakPipe, together with a name and an email address if you choose to leave them.

Financial Health Assessment submissions. When you submit a Financial Health Assessment, we collect the household financial information you choose to provide, such as income, debts, savings, insurance coverage, goals, and the question you most want answered, together with the made up names, approximate ages, and general region the form asks you to use. The form is hosted by Google.

Visit information. When you load a page, our website host records your IP address, browser type, the pages requested, the referring page, and the time of the request. Our host, Ghost, also provides us with visit statistics so we can see which pages are used. We do not use Google Analytics, and we do not use advertising trackers.

What we do not want. We do not ask for, and we ask you not to send, Social Security numbers, financial account numbers, passwords or other access credentials, tax returns, pay stubs, insurance policy documents, medical records, information about any patient, or the real names of children. If you send any of these anyway, we will delete what we can.

3. How we use it

We use personal information to operate, secure, and improve the Site and the show; to send you the email you signed up for; to review, select, edit, and anonymize questions and Financial Health Assessment submissions and produce them into episodes and related content for a general audience; to reply to you when you contact us or leave contact information; to understand, in aggregate, how the Site and the show are used; and to comply with law and protect our rights and the safety of our audience.

4. Who else can see it

Service providers. We use other companies to run the Service: Ghost hosts the Site, Kit stores subscriber information and sends our email, SpeakPipe provides the voice message widget and stores recordings, Google hosts the Financial Health Assessment form and its responses, and Captivate hosts and distributes the podcast. These companies process information under their own privacy policies. When you listen through a podcast app, that app and Captivate receive technical delivery data, and we receive aggregate statistics only.

The public. If we use your question or your Financial Health Assessment submission on the show, the edited, anonymized version becomes public. Anonymization is a best effort, not a guarantee: your voice, your specialty, or an unusual combination of facts may allow people who know you to recognize you.

Legal and safety. We may disclose personal information if we believe in good faith that the law requires it, or that disclosure is reasonably necessary to protect the rights, property, or safety of Financial Fellowship, our audience, or others.

What we do not do. We do not sell personal information. We do not rent, give, or otherwise transfer our email list to anyone for their own marketing, and we do not share personal information with guests, co-hosts, sponsors, or affiliate partners. Raw submissions are seen only by the people who produce the show.

5. Cookies and tracking

The Site uses essential cookies set by our website host to operate the Site. The tools embedded on the Site may set their own cookies or similar identifiers when you use them: the Kit signup form, the SpeakPipe voice message widget, and the Captivate podcast player embedded on the Site. We do not use advertising pixels, session replay tools, or heat mapping tools, and no third party collects personal information about your online activities over time and across different websites through the Site. For that reason, we do not respond to browser Do Not Track signals. You can block or delete cookies in your browser settings; some embedded tools may then not work.

6. Email

We send email through Kit to the address you gave us, in the categories described on the signup form. Every email we send includes a working unsubscribe link, and you may also ask us to delete your address at any time under section 7. After you unsubscribe, we keep your address only on a suppression list so that we do not email you again. Kit may record whether an email was opened and which links were clicked, using a small image and tracked links.

7. Your rights, including California residents

Anyone may ask us to tell them what personal information we hold about them, to correct it, or to delete it, by writing to ryan@financialfellowship.com with "Privacy request" in the subject line. We may ask you to confirm that you control the email address or made the submission in question, so that we do not disclose or delete someone else's information. We will not treat you differently because you made a request.

California residents: the requests above are available to you as of right. California law also gives you the right to know the categories of personal information we collect and the categories of third parties with whom we share it; sections 2 and 4 of this policy set those out. We do not sell personal information, and we do not share personal information for cross-context behavioral advertising.

Once an episode has been published, we can remove content from the distribution we control, but we cannot recall copies already delivered to podcast apps, search engines, or listeners' devices. Site visit records are not linked to a name or an email address, and we generally cannot locate one person's records within them.

8. Children

The Service is intended for adults and is made for physicians. The Site and the show are not directed to children under 13, and we do not knowingly collect personal information from anyone under 13. If we learn that we have collected personal information from a child under 13, we will delete it. We ask that no one under 18 submit a question, a voice message, or a Financial Health Assessment.

9. Changes to this policy

We may revise this policy as the Service, our service providers, or applicable law change. When we do, we will post the revised policy on this page and update the date at the top of the page. The revised policy applies to information we collect from the date it takes effect.