Legal
AdamHagerman.com, https://members.adamhagerman.com is owned by First Step Financial, LLC a Limited Liability Company registered in Maryland.
Privacy Policy
First Step Financial, LLC understands that your privacy is important to you and that you care about how your information is used and shared online.
Our site only collects and uses information in ways that are consistent with your rights and our obligations under the law. Namely, data is processed:
- When you give specific and express consent for us to do so.
- When necessary for the performance of a contract, where you are a party to that contract (for example, if you buy something we will need to collect payment and delivery information in order to deliver that product to you).
- When necessary for compliance with a legal obligation.
- When necessary in order to protect the vital interest of the data subject (you) or of another natural person.
- When necessary for the purposes of the legitimate interests pursued by us, except where such interest is overridden by your interest or fundamental rights and freedoms.
This Policy applies to our use of any and all data collected by us in accordance with your use of our site.
Please be sure to carefully read this Privacy Policy and ensure that you understand it.
YOU ARE CONSIDERED TO HAVE ACCEPTED OUR PRIVACY POLICY WHEN YOU FIRST USE OUR SITE. If you do not agree to and accept our privacy policy, then you must stop using our site.
By using our site you certify that you are an adult, at least 18 years of age.
What Personal Data We Collect and Why We Collect It
Personal Information Collected on This Website
No personally-identifiable information is collected on this website from persons that browse our website. The only personally-identifiable information collected on this website is gathered in our comment area and on specified sign up forms, where fields are provided so that you can provide your name and email address to leave a comment or receive a download, newsletter or other emails on updates, giveaways, or other offers. We collect this information so that we can respond to the comments or questions that you post.
For additional detail on how we collect and use personally identifiable information, please see the table below.
Anonymous Information Collected on This Website
We record anonymous data. Most of the information that we collect from this website is anonymous information, such as the pages you visit. Other anonymous data we may collect might include the name of your internet service provider, the website that you used to link to our site, other interests you have, basic demographic information, the websites that you visit from our site, and your IP address. The data is used for statistical purposes only, but you, as the individual user, remain anonymous. We use this anonymous information to help improve the content of this site and to compile aggregate statistics about individuals using our site for internal market research purposes.
For additional detail on how we collect and use anonymous information, please see the table below.
Cookies
Cookies are small text files placed on your computer or device by our site when you visit certain parts of our site.
When you visit our website, we may assign your computer one or more cookies to facilitate access to our website, personalize your online experience and record information about your visit.
Through the use of a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on and other actions you take while on our website.
The cookies do not store any Personally Identifiable Information (PII) about you.
Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies.
If you choose to decline cookies, please note that some of the features and services of our website may not function properly. We also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our site; monitoring online promotions; and anti-fraud and information security purposes.
We may allow third-parties, advertising companies and ad networks ("Advertisers") to display advertisements on our website. Advertisers may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements.
Our website does not provide any PII to these Advertisers, but they may collect information about where you, or others who are using your computer, saw and/or clicked on the advertisements they delivered, and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect directly from you. The collection and use of that personal information is subject to the particular Advertiser’s privacy policy.
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.
Links to Other Sites
Our website does contain links to affiliate and other websites. Our site does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy agreement applies only and solely to the information collected by our website.
Through affiliate links, identifying information may be carried over to an outside site to show that you visited that site from our site to ensure proper commissions are issued.
AdamHagerman.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com
| Service/Tool/Method to Collect Data | Data Collected | How It’s Collected | Why It’s Collected | Legal Basis for Collection |
|---|---|---|---|---|
| ConvertKit | Name, email address, IP address | Form submission | To deliver downloads, newsletters, or other emails on updates, courses, giveaways, or other offers | Consent |
| Comments | Name, email address, IP address, and browser user agent string | Form submission | We collect data to show in the comments form and also the visitor's IP address and browser user agent string to help spam detection | Consent and Necessity |
| Facebook Pixel | Information to help track conversions from Facebook to our site | Cookie | Used by Facebook to deliver a series of advertisement products such as real time bidding from third-party advertisers | Consent |
| Google Analytics | Posts and pages visited, name of your internet service provider, the website that you used to link to our site, other interests you have, basic demographic information, the websites that you visit from our site, and your IP address | Cookie | For statistical purposes to provide a better user experience | Consent and Necessity |
| Jetpack by WordPress | Posts and pages visited, name of your internet service provider, the website that you used to link to our site, other interests you have, basic demographic information, the websites that you visit from our site, and your IP address | Cookie | For statistical purposes to provide a better user experience | Consent and Necessity |
We contract with the third parties listed in the table above to supply products, services, and a good user experience on our behalf. These include payment processing, delivery of goods, search engine facilities, advertising, and marketing.
In some cases, these parties may require access to some or all of your data, when that is the case we take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with the law.
How Long We Retain Your Data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website, we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
Information collected using Google Analytics is retained for 26 months.
Information submitted through forms, such as email forms or contact forms are retained until such a time as the data subject chooses to unsubscribe or invokes their right under GDPR to be forgotten.
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.
Similarly, if you have subscribed to our email list you can unsubscribe at any time and make a request to the site administrator to have all personal data obtained via our email marketing service erased.
Where We Send Your Data
Visitor comments may be checked through an automated spam detection service.
How to Contact Us
Should you have any questions or concerns regarding our site or this privacy policy you may contact us at [email protected].
Changes to Our Privacy Policy
We may change this privacy policy as we deem necessary from time to time or as required by law. Any changes will be posted on our site and you will have been deemed to have accepted them on your first use of our site following alterations. You should check this page regularly to ensure you are keeping up to date.
Disclaimers
Professional Disclaimers
While I am a CERTIFIED FINANCIAL PLANNER™ professional, I am not licensed as a financial advisor or planner. The information contained on this website, downloads, products, or emails are provided for informational and educational purposes only. The author is not liable for any losses or damages related to actions or failure to act related to the content on this website. The contents of this website, and the posting and viewing of the information should not be construed as, and should not be relied upon for, tax advice in any particular circumstance or fact situation.
Testimonials
I PRESENT CASE STUDIES AND TESTIMONIALS ABOUT OTHER PEOPLE’S EXPERIENCES WITH MY WEBSITE, PRODUCTS, AND SERVICES FOR PURPOSES OF EXAMPLE ONLY. THE TESTIMONIALS, EXAMPLES, AND PHOTOS USED ARE OF ACTUAL CLIENTS AND CUSTOMERS.
TESTIMONIALS AND/OR CASE STUDIES ARE NOT INTENDED TO REPRESENT OR GUARANTEE THAT CURRENT OR FUTURE CUSTOMERS, STUDENTS, OR CLIENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS; RATHER, THEY REPRESENT WHAT IS POSSIBLE FOR ILLUSTRATIVE PURPOSES ONLY.
Earnings Disclaimer
ANY PRESENTATION OF TESTIMONIALS AND CASE STUDIES ABOUT OTHER'S EXPERIENCE WITH MY WEBSITE, PRODUCTS AND SERVICES ARE FROM ACTUAL CUSTOMERS AND CLIENTS AND ARE SHOWN AS EXAMPLES OF WHAT IS POSSIBLE FOR INFORMATIONAL PURPOSES ONLY.
THERE ARE SEVERAL FACTORS THAT DETERMINE A CLIENT/CUSTOMER/STUDENT'S SUCCESS SUCH AS HARD WORK AND TIME, AS SUCH I CAN IN NO WAY GUARANTEE THAT CURRENT OR FUTURE CUSTOMERS/CLIENTS/STUDENTS WILL ACHIEVE THE SAME OR SIMILAR RESULTS AS PREVIOUS CLIENTS/CUSTOMERS/STUDENTS, AGAIN THE EXAMPLES, CASE STUDIES, AND TESTIMONIALS, ARE SIMPLY ILLUSTRATIVE OF WHAT IS POSSIBLE.
The use of our information, products, and/or services should be based on your own due diligence and you agree that First Step Financial, LLC and/or advertisers or sponsors of AdamHagerman.com are not liable for any success or failure of your business.
The materials on First Step Financial, LLC’s website are provided ‘as is’. First Step Financial, LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, First Step Financial, LLC does not warrant or make any representations concerning the accuracy, reliability, or likely results of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
Limitations
In no event shall First Step Financial, LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on First Step Financial, LLC’s site, even if First Step Financial, LLC or a First Step Financial, LLC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Links
AdamHagerman.com has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by First Step Financial, LLC of the site. Use of any such linked website is at the user’s own risk.
Limitation of Liability
YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OF THE SITE OR SERVICE. ADDITIONALLY, AdamHagerman.com IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH:
(I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE;
(II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS, GOODWILL OR DATA; AND
(III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF YOUR INFORMATION OR PROPERTY, REGARDLESS OF OUR NEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCH LIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGAL LIABILITY.
THE FOREGOING APPLIES EVEN IF AdamHagerman.com HAS BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE STATES THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITY IS LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY LAW. IN NO EVENT SHALL First Step Financial, LLC CUMULATIVE LIABILITY TO YOU EXCEED THE TOTAL PURCHASE PRICE OF THE SERVICE OR PRODUCT YOU HAVE PURCHASED FROM AdamHagerman.com, AND IF NO PURCHASE HAS BEEN MADE BY YOU AdamHagerman.com CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED $100.
Indemnification
You shall indemnify and hold us harmless from and against any and all losses, damages, settlements, liabilities, costs, charges, assessments, and expenses, as well as third-party claims and causes of action, including, without limitation, attorney’s fees, arising out of any breach by you of any of these Terms and Conditions, or any use by you of the Site, Product, or Service. You shall provide us with such assistance, without charge, as we may request in connection with any such defense, including, without limitation, providing us with such information, documents, records, and reasonable access to you, as we deem necessary. You shall not settle any third party claim or waive any defense without our prior written consent.
Affiliate Disclosure
AdamHagerman.com contains affiliate links. Meaning AdamHagerman.com receives commissions for purchases made through those links, at no cost to you. Please understand that we have experience with all of these companies, and recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something.