Privacy Policy

Your Money Line
Last modified: September 9, 2024

Advanced Planning Solutions, Inc. dba Your Money Line (“YML,” “we,” or “us”) operates yourmoneyline.com (the “Website”) and offers Your Money Line Software (the “Software”) and Your Money Line Financial Guides (the “Professional Service”), collectively referred to as (the “Services”). This Privacy Policy outlines how we collect, use, and protect your personal information when you (the “User”) access or use any content or functionality offered on or through our Services. Users include but are not limited to, visitors to our Website, Participants and Administrators who use our Software, and Participants and Administrators who engage with our Professional Service.

Disclaimer Regarding Financial Advice and Investment Outcomes

IN RESPECT OF THE PROFESSIONAL SERVICE, ANY PROJECTIONS AND OTHER INFORMATION REGARDING THE LIKELIHOOD OF VARIOUS FINANCIAL AND/OR INVESTMENT OUTCOMES PROVIDED BY FINANCIAL GUIDES ARE HYPOTHETICAL IN NATURE, DO NOT REFLECT ACTUAL RESULTS, AND ARE NOT GUARANTEES OF FUTURE RESULTS. RESULTS MAY VARY WITH EACH USE AND OVER TIME. ALL INVESTMENTS INVOLVE RISK, INCLUDING THE LOSS OF PRINCIPAL. THERE CAN BE NO ASSURANCE THAT ANY FINANCIAL STRATEGY WILL BE SUCCESSFUL. YML DOES NOT GUARANTEE THAT THE RESULTS OR OBJECTIVES OF ITS FINANCIAL GUIDE’S ADVICE WILL BE ACHIEVED. YML IS NOT A FIDUCIARY OR INVESTMENT ADVISER WITH RESPECT TO THE PROFESSIONAL SERVICE UNDER ERISA, AS AMENDED, THE INVESTMENT ADVISERS ACT OF 1940, OR OTHER LAW, RULE, OR REGULATION.

We do not provide specific financial investment advice or reviews. Always check with your financial advisor for detailed personal investment guidance. YML does not provide legal or tax advice. Always check with your attorney and tax/accounting professional for detailed personal guidance. Information and resources provided by YML are not intended to replace or supersede that which is provided by your personal financial advisor, attorney, or accountant. YML experts have a limited depth of understanding of the Users situation and the details provided aren't always sufficient or accurate enough to provide help that is actionable by the participant.

Children Under the Age of 18

Our Services are not intended for children under 18 years of age. No one under age 18 may access, use, or provide any information. We do not knowingly collect personal information from children under 18. If you are under 18, do not use our Services.

Information We Collect and How We Collect It

Information We Collect

  • Account Information: When you sign up for our Services, we may collect information by which you may be personally identified (“personal information”), such as your name, email address, telephone number, company name, company benefits information, and other relevant information to create and manage your account.
  • Communication: Email, text, live chat, and any other electronic messages between you and YML. 
  • Usage Data: We may automatically collect information about how you interact with our Website and Services, including your IP address, browser type, device type, operating system, referring URLs, and pages you view.
  • When you visit or log in to our website, cookies  and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email or home address. We (or service providers on our behalf) may then send communications and marketing to these email or home addresses. You may opt out of receiving this advertising by emailing security@vector.co and visiting https://app.retention.com/optout

This policy does not apply to information collected by:

  • Us offline or through any other means, including on any other website operated by YML or any third party (including our affiliates and subsidiaries); or 
  • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible in our Services.

How We Collect this Information

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the Website and Software. 
  • From third parties. 

Information You Provide to Us  

The information we collect on or through our Services may include:

  • Information that you provide by filling in forms on our Website and Software. This includes information provided at the time of registering to use our Website and Software, subscribing to our Software and Professional Service, providing financial data such as income and budgeting information, responding to a survey, or requesting further services. Users can always refuse to supply personal information, except that it may prevent them from engaging in certain Software-related activities.
  • Records and copies of your correspondence (including email addresses) if you contact us.
  • Details of transactions or interactions you carry out through our Services and of the fulfillment of your inquiries or requests. 
  • Your search queries and activities on the Website and Software.

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  •  Details of your visits to our Website and Software, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website and Software.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Services and to deliver better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about User preferences, allowing us to customize our Services according to your individual interests.
  • Speed up your searches.
  • Recognize Users when you return to our Services.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. 
  • Google Analytics. YML also uses Google Analytics as a tool for tracking and analyzing its web traffic.  Google Analytics uses a combination of first-party cookies and Javascript code to compile information that is synthesized into reports about page visits, referring sites, user habits, and the like.  Google is not provided access to any user information other than IP addresses.  

Google has created an “Opt-out Browser Add-on” for Users who wish to use websites while preventing their data from being accessed or used by Google Analytics.  If you want to opt out of the features on the Website that rely on Google Analytics, please follow the directions provided by Google here: https://tools.google.com/dlpage/gaoptout/ features

Information We Collect from Third-Parties

  • When Users choose to use third-party services that are integrated into YML’s Software, they can receive the personal information you share. For example, YML Financial Account Integration uses a third-party provider, MX. While YML does not store or process this information, YML can collect aggregated information from third parties. Information collected directly by these third-party services is subject to their own terms and policies. 

How We Use Your Information 

  • To present our Services and its contents to you.
  • To provide you with information, products, or services you request from us.
  • To improve our Services by way of User feedback.
  • To provide you with notices about your account.
  • To notify you about changes to our Services.
  • To allow you to participate in interactive features on our Website and Software.
  • To send Users information they consented to receive about financial topics we think will be of interest to them. 
  • In any other way, we may describe when you provide the information.
  • For any other purpose with your consent.

Disclosure of Your Information

We do not sell, trade, or rent Users' personal information to others.

We may disclose aggregated information about our Users without restriction. 

We may disclose personal information that we collect or you provide as described in this privacy policy:

  • To our subsidiaries and affiliates.
  • To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • To a successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of YML’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by YML is among the assets transferred.
  • To fulfill the purpose for which you provide it. For example, when using our Website, you may contact us to request information about YML or our products and services. Users of our Services may also be able to sign up for webinars, request specific information about programs or register or apply for various programs or services. In choosing these options, you may provide us with information that we use to send you the information, evaluate and process your request or application, or provide you with the services you request. 
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request, or to comply with public access and open access laws.
  • To enforce or apply our terms of use and other agreements.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of YML, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information: 

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. Please consult your browser’s documentation to learn how. Note that certain portions of the Website may not operate as intended if you refuse certain cookies.
  • Promotional Offers from YML. If you do not wish to have your email address/contact information used by YML to promote our own products or services, you can opt-out by using the UNSUBSCRIBE feature in the email you receive from YML, which will remove you from future email distributions. This opt-out does not apply to information provided to YML as a result of a transaction, or activity on the Website.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. 

How We Protect Your Information 

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. We also use Secure Sockets Layer (SSL) protocol to protect information when route between your browser and our Website and Software. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of Services, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. 

Unfortunately, the transmission of information via the internet is not completely secure. While we have industry-standard security controls in place, we cannot guarantee the security of your personal information transmitted to our Website or Software. Any transmission of personal information is at your own risk. 

Updating Your Information

If you are a user who has a registered account with us, you can review and change some of your personal information by logging into the Software and visiting your account details page, or contacting us at the information below.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website. If we make material changes to how we treat our Users’ personal information, we will notify you by email to the primary email address specified in your account and through a notice on the Website. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Your Acceptance of These Terms

If you do not agree with our policies and practices, your choice is not to use our Services. By accessing or using the Services you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: 

Info@yourmoneyline.com

9450 N Meridian Street, Suite 200, Indianapolis, IN 46260

or via phone: 317-708-3054

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