Privacy Policy

Our Respect for Privacy

BT Advisory, Inc. ("B/T Advisory," "we," "us," "our" or “the Company”) respects the importance of the privacy of your personal information. The Company provides this Privacy Policy so you know about our information handling and storage practices and understand how the Company treats the information it receives about you from your access or use of the Site (www.btadvisory.co) and its content, products, and services (collectively, the “Services”) made available in the United States by the Company. By accessing or using the Services, you agree to the terms of this Privacy Policy.

The Information the Company Collects

Online Activities and Cookies. When you use our Services, we may collect information about your visit and store that information, which are records of the activities relating to the use of our Services. Our servers automatically capture and save the information electronically. The information we collect helps us administer the Services, analyze usage, protect our websites and their content from inappropriate use, and improve the visitor’s experience. The information may be used for marketing purposes and may uniquely distinguish your browser or computer from others’ devices.

In order to register for an account with, to make purchases from, or to make full use of the Services, your browser must be set to accept “cookies.” Cookies are alphanumeric identifiers that the Company transfers to your computer or mobile device in order to enable the Services to "recognize" you every time you visit and to "remember" any information you have saved, such as storage of items in your shopping cart between visits if you make purchases from the Company.

In addition, third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. Information shared with third parties may be used to deliver advertising targeted to your preferences.

The Company recognizes that you have a choice to refuse cookies. However, should you decide not to accept cookies from the Services, you may limit the functionality the Company can provide when you use the Services. View your browser's “Help” file for more information on cookies.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Examples of information that we may collect or that third parties may collect while you navigate our website include, but are not limited to:

·   Your Internet protocol or “IP” address;

·   The name of your Internet service provider;

·   The city and state from which you access our website;

·   The type and version of browser, operating system, computer, or mobile device you use;

·   Screen resolution;

·   A list of your browser’s plug-ins;

·   Installed fonts;

·   Other technical characteristics of your browser, computer, or device;

·   The links you click within our websites and the pages you visit;

·   The date and time of your visit, as well as the time you spend and your scrolling behavior on each page;

·   The web page from which you arrived to our Services; and

·   Certain searches/queries that you conducted via our Services.

The third parties who operate such trackers are:

·       Google LLC;

·       Meta Platforms, Inc.;

·       Microsoft Corporation;

·       StackAdapt, Inc.

Information you provide directly:

●      Name, email address, phone number, and company name when you submit a contact form or reach out to us directly

●      Any other information you choose to share when communicating with us

To create and/or submit an application or request to the Services you will need to provide your email address, and other personal and non-personal information. By creating and/or submitting an application or request, you are authorizing us to collect, store and use your email address in accordance with this Privacy Policy.

Other Activities. When you engage in certain activities through the Services, such as registering as a user of the Services, sending the Company a message using the Services, ordering a product or service, the Company may ask you to provide personal information. If you choose to share any personal information with the Company, you will see that the amount and type of personal information the Company requests depends on how you use the Services. It is completely optional for you to engage in these activities.

Advertising Service Providers. In addition, the Company may use third-party service providers to serve ads on behalf of the Company across the Internet. They may collect anonymous information about your access and use of the Services, and your interaction with the products and services of the Company. They may use cookies and other online tools such as pixel tags and action tags to serve ads and personalize your web experience based on your prior visits to the Company websites. They may also use information about your visits to the Company websites and other websites to target advertisements for products and services. This anonymous information is collected through the use of a cookie. No personally identifiable information is collected or used in this process. These third-party service providers do not know your name, phone number, address, e-mail address, or any other personally identifying information about you. Many third-party service providers are members of the “National Advertising Initiative” (“NAI”). If you would like more information about this practice or to opt out of having this anonymous information used by third-party service providers who are NAI members, visit the NAI consumer opt-out page by clicking here: www.networkadvertising.org/choices/.

How We Use Your Personal Information

We do not sell your personal information to third parties. The Company uses personal information to provide and improve its products and services, including the Services, for purposes in its legitimate interests, and for compliance with applicable laws. The Company processes personal information on the basis that it is: (a) necessary for the performance of a contract the Company has with you; (b) in the Company’s or a third party’s legitimate interests; (c) where you give the Company your consent; or (d) for compliance with a legal obligation.

The Company may use your IP address to, among other things: (a) help diagnose problems with the the Company server, administer the Services, measure the use of the Services, and improve the content of the Services; (b) identify visitors' domain names, the type of web browsers used, the pages viewed, the websites from which a visitor found the Services, the search terms and search engines used to find the Services; and (c) gather other web analytics information relating to visitors’ use and navigation of the Services. This information does not identify you personally. On occasion the Company may aggregate this data with data on the pages visited by other users to track overall visitor traffic patterns and provide this aggregate information to vendors, potential advertisers, business partners, news agencies, or other parties to demonstrate the amount of interest in the Services and to help the Company plan for technical infrastructure requirements.

The Company may use your personal information for particular activities, including, without limitation, processing your application; payment processing;  storing personal information on your behalf for your own use; customer service; marketing and research; studies, making referrals; providing product, promotional and other information to you; and to contact you.

The Company may share your personal information and any other information you provide to the Company with its affiliates, referral partners, financial service providers, lenders, or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services.

The Company may also share your information with service providers, such as payment processors, cloud storage providers, and customer support platforms, who assist us in delivering our services and maintaining app functionality

Note that the Company does not have any responsibility for the actions or policies of any business partners, many of which may themselves have relationships with other businesses. You should satisfy yourself about how your information may be used by any business partner.

The Company may use the information it collects and that you provide (other than payment processing information), in an anonymous or aggregated format that does not identify you personally, which uses might include, without limitation, to evaluate existing products, services, and systems; to assist in the development of new products or services; research; and to identify trends and changes.

The Company may disclose personal information in any of the following circumstances: (a) in response to a subpoena, search warrant, court order, or other legal process or request, or as may otherwise be required by applicable law or regulation; (b) to protect and defend the Company rights or property or those of its affiliates or business partners, or others; or (c) as the Company, in its sole discretion, believes is appropriate under exigent circumstances in response to a perceived threat to the personal safety, property, or rights of any person or organization.

In addition, since the the Company database is a business asset, in the event the Company is reorganized or becomes part of another organization, you consent to the sale, assignment, or transfer of your personal information to a successor that acquires substantially all of the business assets of the Company, or to an affiliate, as applicable.

The Company will never request your password, user name, financial account information or other personal information through e-mail. This practice, called “phishing,” is a scam designed to steal your personal information. If you receive an e-mail that looks like it is from the Company asking you for your personal information, do not respond.

Our Relationship to Other Sites that can be Accessed Through the Services

The Services may contain links to other websites or you may have been directed to the Services from another website. the Company does not review or monitor the websites linked to the Services and is not responsible for the contents or privacy policies related to any other websites. If you visit one of these other websites, you should review the privacy policy on that website. Where the Services contains a link to another website owned and/or operated by the Company, such website use may be subject to different and additional terms of use and privacy policy terms and conditions.

Your Options Regarding Personal Information

You can control certain aspects of data collection and use through your browser settings. However, please note that limiting certain data may affect your ability to use certain features or services.

You may elect to opt-out of receipt of email and text communications from us by following the instructions provided in such communications or by contacting us as provided below. Even after opting out, you may still receive service oriented, non-promotional communications from us and promotional communications from other third parties as a result of their own interactions or transactions with you. Please allow time for us to process your request or contact us should you have any concerns about your opt-out request.

“Do-Not-Track” is a public-private initiative that has developed a technical “flag” or signal that an end-user may be able to activate within their browser software to notify websites that they do not wish to be “tracked” by third parties as defined by the initiative. This website does not recognize “Do-Not-Track” and similar signals[EK3] . However, if your browser supports it, you can turn on the Global Privacy Control (GCP) to opt-out of the “sale” or “sharing” of your Personal Information.

You may also follow the steps provided by initiatives that educate users on how to set tracking preferences for most online advertising tools. These resources include the Network Advertising Initiative (https://thenai.org/about-online-advertising/) and the Digital Advertising Alliance (https://digitaladvertisingalliance.org/). The Digital Advertising Alliance also offers an application called AppChoices (https://youradchoices.com/appchoices) that helps users to control interest-based advertising on mobile apps.

How Long We Keep Personal Information

We retain personal information in accordance with any records retention policy or program we may implement from time to time. We will retain personal information for the length of time necessary to fulfill the purposes for which we collected the personal information or to demonstrate we have fulfilled our duties or obligations, or retention periods required by applicable law or in which claims may be made or the existence of legal proceedings.

Security of Your Personal Information

The Company takes reasonable precautions to protect the security of data and information, including personal information. the Company will attempt to ensure that your personal information will be subject to appropriate safeguards and that it is processed and secured in accordance with applicable law. However, the Company cannot guarantee against any loss, misuse, unauthorized disclosure, or alteration or destruction of data or personal information. While the Company strives to protect your personal information, the Company cannot guarantee the security of any information you transmit to, from, or within the Services, by email or otherwise, and you provide such information at your own risk. You acknowledge that: (a) there are security and privacy limitations in computer systems and on the Internet which are beyond the control of the Company; (b) the security, integrity, and privacy of any and all information and data exchanged between you and the Company through the Services, including personal information, cannot be guaranteed; and (c) any such information and data, including personal information, may be viewed or tampered with by a third party while such information or data is being used, transmitted, processed, or stored.

Children’s Online Privacy Policy

Our Services are not directed to children under the age of 18, and we do not knowingly collect Personal Information from children under the age of 18 on these Services. In addition, we do not sell any Personal Information, whether of minors under 18 years of age or otherwise[CD4] .

Changes to Privacy Policy

This Privacy Policy may be updated periodically to reflect relevant changes in our information practices. We will post a notice on our Services to inform you of significant changes to this Policy. We will also provide additional information regarding changes to this Privacy Policy as may be required by law. Your continued use of our Services following our posting of any such changes will mean that you accept such changes.

For further information or if you have any questions about this Privacy Policy, please contact us in one of the following ways:

By email at: hello@btadvisory.co  

By telephone at: (415) 464-7056

Please clearly state what information you are requesting and any other requests you are making.

The Company will respond to reasonable requests within the time limits established by applicable law or within a reasonable time if no time limit is established by applicable law. For your protection, the Company may ask you for additional information to verify your identity. If you send the Company an email requesting that the Company take action regarding your personal information or the right to be forgotten, the requesting email MUST come from the email address the Company has on file for you in order to verify that the request is valid and also to protect your personal information.  In most cases, the Company will provide the information you request and correct or delete any inaccurate personal information you discover.

The Company reserves the right, however, to limit or deny your request to the extent permitted by applicable law if: (a) complying with the request may present a threat to the personal safety, property, or rights of any other person or organization; (b) complying with the request may lead to a violation of applicable laws or regulations; (c) the Company is not required to comply with the request because of a legal rule or exception; or (d) you have failed to provide the Company with sufficient evidence to verify your identity.