Looking for a family getaway that's both tranquil, exhilarating, and affordable? Look no further than North Carolina in March! With gorgeous weather, vibrant wildflowers, and fewer crowds, it's the perfect time to explore all this beautiful state offers. It's essential to plan early so you can get the best rates for hotels and tours. Here's a laid-back itinerary to help you make the most of your trip to the mountains. Five-Day Itinerary for Visiting North Carolina for Spring Break Day 1: Asheville & Biltmore Estate Day 2: Blue Ridge Parkway & Grandfather Mountain Day 3: Outer Banks, Cape Hatteras, or the Animal Farm Day 4: Corolla & Chimney Rock State Park Day 5: Relax & Return Home Day 1: Asheville & Biltmore Estate Morning: Start your day in Asheville, a vibrant city nestled in the Blue Ridge Mountains. Enjoy a delicious breakfast at Early Bird Biscuit, a local favorite known for its fluffy biscuits and homemade jams. Afternoon: Immerse yourselves in the grandeur of Biltmore Estate, America's largest home. Explore the opulent interiors, stroll through the expansive gardens, and learn about the Vanderbilt family's fascinating history. You only need to visit the house once to take it all in, so if you're staying on the estate, I don't recommend the Length of Stay ticket. Evening: Catch a live performance at The Orange Peel, a renowned music venue that showcases diverse genres. Or you can savor a casual dinner at Tupelo Honey, which offers Southern comfort food with a modern twist. Day 2: Blue Ridge Parkway & Grandfather Mountain Morning: If you're staying overnight at Biltmore Estates, partake in breakfast at the Village Social. They're open between 7 a.m. and 11 a.m. for breakfast, so there's no need to get up at the crack of dawn. Then, you can embark on a scenic drive along the Blue Ridge Parkway, a 469-mile route offering breathtaking mountain vistas. Stop at overlooks like Water Rock Knob and Hickory Knob for panoramic views. Afternoon: Visit Grandfather Mountain, a nature lover's paradise. Hike to the mountain's top for stunning views, spot wildlife like elk and bears, and cross the iconic swinging bridge. Evening: Head to dinner at Hemingway's Cuba. They have amazing rooftop views, and the food is top-notch. I loved the tostones and the arroz con pollo on my visit. Biltmore Estate Tour | The Village Hotel Day 3: Outer Banks, Cape Hatteras, or The Animal Farm Morning: After breakfast at the Village Social, drive east to the Outer Banks, a string of barrier islands known for pristine beaches and charming coastal towns. Stop at Hatteras Island and visit the Cape Hatteras Lighthouse, a historic landmark offering panoramic ocean views. Afternoon: Explore the farm on the estate and visit the chickens and sheep. If you have young children, there's also a playground they can enjoy. If you want to soak in the local culture, you can also visit the River Arts District to purchase items from local artists and shops or to find something to eat. If you're vegetarian, you can try the Laughing Seed Cafe. Evening: Head back to your hotel to relax. If you visit the Laughing Seed Cafe, you probably will have enough food for dinner. You can also schedule a Red Wine and Chocolate Tasting back at the Estate. Estate tastings are daily at 1, 3, and 5 p.m. Day 4: Corolla & Chimney Rock State Park Morning: Head north to Corolla, known for its wild Spanish horses. Take a guided tour through the Corolla Wild Horse Fund sanctuary to observe these majestic creatures in their natural habitat. Afternoon: Visit Chimney Rock State Park, which has spectacular views and incredible mountain hiking trails. If you don't want to walk the trail, you can take an elevator to the top. Keep in mind that the roads are narrow, and there are a lot of twists and turns, so if you're afraid of heights or steep hills and declines, you may want to pick a more calm adventure like wine tasting. Evening: Enjoy a wine tasting back at the Village Hotel. Complimentary wine tastings are daily from 12 pm to 7 pm, and you get to try five different wines. We ended up taking home a case for us and a case of Christmas wine for gifts for our family and friends. Day 5: Relax & Return Home Morning: Savor a leisurely breakfast at the Village Social or a waterfront restaurant and soak up the final views of the ocean. Afternoon: Return home, reminiscing about your fun-filled family adventure in North Carolina. See my feature in HavenLife How parents are planning Spring Break this year Tips for Avoiding Crowds: March is still considered shoulder season in North Carolina, so crowds will be smaller than peak summer months. Weekdays are generally less crowded than weekends. Consider staying in smaller towns or villages outside of major tourist destinations. Book your accommodations and activities in advance, especially if you're traveling during spring break. Get up early to beat the crowds at popular attractions. This itinerary is just a suggestion, and you can tailor it to your family's interests and preferences. Remember to relax, have fun, and create lasting memories on your spring break getaway to North Carolina!

Ever feel lost between the stacks of paper and the flood of financial apps? You're not alone! As I delved into financial management and the difference between traditional and digital financial tools, I gathered insights from esteemed industry leaders, including CEOs and founders. They recommend a mix of digital tools for everyday tasks and traditional methods for in-depth analysis, all to build a secure and effective financial plan. From "Tech-Ancient Equilibrium" to "Blending Real-Time Digital with In-Depth Traditional," CEOs and founders share their valuable financial strategies. Balancing Traditional and Digital Financial Management Tools Employ Tech-Ancient Equilibrium Combine Digital Apps with Traditional Banking Adopt a Hybrid Financial Management Approach Blend Real-Time Digital with In-Depth Traditional Employ Tech-Ancient Equilibrium Managing finances is like building a house; sturdy, traditional foundations and innovative digital technology are needed. My go-to method of balance is "Tech-Ancient Equilibrium." I employ digital solutions like apps for everyday transactions, real-time data access, and automation, as well as old-school techniques like regularly reviewing financial statements to gain an in-depth understanding of financial health. These two combined help create a comprehensive and effective financial plan. Abid Salahi, Co-founder & CEO, FinlyWealth Combine Digital Apps with Traditional Banking Balancing modern digital platforms with time-tested traditional financial management tools is essential for effective finance management. My experience as a Sales and Marketing Director in the fast-paced world of forex and trading has taught me the importance of combining these approaches. I recommend leveraging digital budgeting applications alongside conventional banking methods. This combination enables up-to-the-minute tracking of your spending and investments while also benefiting from traditional banks' proven security and dependability. This strategy has made managing my finances much simpler and more efficient, allowing me to make better-informed choices. Tailoring this approach to fit your financial objectives can significantly improve your financial well-being and security. Ace Zhuo, Business Development Director (Sales and Marketing), Tech & Finance Expert, TradingFXVPS Adopt a Hybrid Financial Management Approach Finding the right balance between traditional and digital tools is crucial for effective financial management. A recommended strategy is to adopt a hybrid approach that combines the strengths of both. Start by digitizing and organizing financial documents using scanning apps or devices and store them securely in cloud-based storage or digital filing systems. This allows for easy access and reduces reliance on physical paperwork. Leverage digital tools for day-to-day financial management, such as online banking platforms for monitoring account balances and setting up automatic bill payments. Budgeting and expense-tracking apps can provide insights into spending habits. However, it's important to maintain a balance by incorporating traditional tools where necessary, such as keeping physical copies of important documents or having in-person meetings with financial advisors for personalized guidance. Assess your needs, integrate a combination of tools that work best for you, and regularly review and update your approach to align with your financial goals and technological advancements. Sacha Ferrandi, Founder & Principal, Source Capital Blend Real-Time Digital with In-Depth Traditional In managing finances at Blue Insurance, I have found that blending traditional and digital methods offers the most effective approach. I lean on digital tools for real-time monitoring and transactions—they are incredibly efficient and accessible. However, I value traditional in-depth analysis and planning methods, as they often provide a tangible, detailed perspective. One strategy that works well is setting monthly check-ins using digital tools to track progress and identify trends. Then, I complement this with quarterly deep dives using traditional methods, like printed reports or face-to-face meetings, to strategize and adjust plans. This combination ensures both agility and depth in financial management. Samuel Greenes, Founder, BLUE Insurance of New Jersey What's Next in Your Financial Management? Whether you're a budgeting pro or just starting out, remember that financial management is a journey, not a destination. Don't be afraid to experiment with the strategies you learned here; adapt them to your comfort level and goals. With some planning and the right tools in your traditional and digital toolbox, you can build a secure and prosperous future. If you're still concerned about how to navigate your financial future, schedule a time to connect with us below! ⬇️⬇️⬇️

Scrolling through FinTok (financial TikTok), you're bombarded with seemingly easy hacks to riches – crypto flips, overnight real estate empires, and day trading. But is it all real? As Gen Z navigates today's economic climate (potential recession, rising inflation), separating FinTok fantasy from financial reality is crucial. Here's how to build a solid financial foundation in 2024 beyond the hype. Navigating the Allure of FinTok Understanding the Hype Navigating the Risks Smart Strategies for Investing The Future of Crypto Understanding the Hype: Cryptocurrency: Have you heard of cryptocurrencies like Bitcoin or Ethereum? They're digital money that works differently from traditional currencies. Instead of being controlled by governments or central banks, they use a decentralized system. This means transactions are secured and verified using complex math on a unique digital public ledger called a blockchain. Blockchain Technology: Think of a blockchain as a giant digital record book accessible to everyone. Every cryptocurrency transaction is recorded chronologically in a block, which is then chained together to create a tamper-proof record. Types of Cryptocurrency: Coins are digital equivalents of traditional currencies like Bitcoin or Litecoin. They operate on their own independent blockchains and function primarily as a medium of exchange and store of value. Examples: Bitcoin (BTC), Litecoin (LTC), Monero (XMR) Tokens are digital assets that represent various functionalities or access to specific features within a blockchain ecosystem. They are built on top of existing blockchains like Ethereum. Navigating the Risks: Cryptocurrency is a highly volatile market that experiences significant price fluctuations. Transactions within this market are irreversible, so caution is always advised. It's important to note that regulations surrounding cryptocurrency are constantly evolving. Therefore, it's essential to stay informed about these developments and remain cautious when investing in this market. Considering these factors, you can make informed decisions and minimize your risks when dealing with cryptocurrency. Beware of Common Crypto Scams: Phishing Attacks: Deceptive emails or messages mimicking legitimate platforms trick users into revealing private keys or seed phrases, granting access to their crypto holdings. Fake Websites & Apps: Fraudulent websites or apps designed to resemble real crypto exchanges steal login credentials or lure users into investing in non-existent projects. Pump and Dump Schemes: Scammers artificially inflate the price of a cryptocurrency through false hype, then quickly sell their holdings, leaving unsuspecting investors with plummeting assets. Giveaway Scams: Promises of "free" cryptocurrency in exchange for sending a small amount first are simply ploys to steal your initial investment. Understanding the common scams and hacks, choosing secure platforms, and practicing personal vigilance can significantly reduce your risk of falling victim to these malicious activities. Remember, the crypto space is constantly evolving, so staying informed and exercising caution are essential for protecting your hard-earned digital assets. Smart Strategies for Gen Z: Invest What You Can Afford to Lose: Treat crypto as a high-risk investment, never investing money you need for essential expenses. Start Small & Educate Yourself: Begin with a small investment in a well-established cryptocurrency like Bitcoin or Ethereum. Utilize reputable resources like "Coinbase Learn: https://www.coinbase.com/learn/" to understand the technology. Diversify Your Portfolio: Don't put all your eggs in one basket. Balance your investments with traditional stocks, bonds, and an emergency savings fund. Invest for the Long Term: Crypto is a volatile asset class. Focus on a long-term investment strategy to weather market fluctuations. Beware of FOMO (Fear of Missing Out): Social media often portrays unrealistic gains. Don't chase trends; do your research and invest strategically. The Future of Crypto: Cryptocurrency's future is uncertain, and constant due diligence is crucial for anyone navigating this evolving space. Here are some key points to consider: Uncertainties and Challenges: Regulation: Governments worldwide are still grappling with how to regulate cryptocurrency, which can create uncertainty for businesses and investors. Volatility: The cryptocurrency market is notoriously volatile, with prices fluctuating significantly. This can be risky for those seeking a stable store of value. Security Threats: Cryptocurrency exchanges and wallets remain vulnerable to hacks and scams, requiring constant vigilance and security upgrades. What's Next? Cryptocurrency is a popular investment option for Gen Z that offers significant possibilities for financial growth. However, it is crucial to understand that investing in cryptocurrency is not a guaranteed pathway to riches and that risks are involved. To make informed decisions about cryptocurrency, you should research and understand its risks and rewards. You can also employ smart strategies that align with your financial goals and risk tolerance. These may involve diversifying your investments, investing a small amount initially, and regularly monitoring the market. Moreover, it's essential to prioritize your financial health and only invest what you can afford to lose. Before investing in cryptocurrency, it's also important to have a clear understanding of your financial situation, including your income, expenses, and debts. In conclusion, cryptocurrency can be a valuable investment opportunity for Gen Z if approached with caution and informed decision-making. By understanding the risks involved, employing smart strategies, and prioritizing financial health, you can make the most of the possibilities offered by cryptocurrency.

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Do Not Sell or Share My Personal Information This notice and the options that follow apply only to residents of California. ​ California residents may request that we not disclose their personal information to third-parties in certain circumstances. Specifically, the California Privacy Rights Act (“CPRA”) allows you to opt out of (1) the use of your personal information to serve you interest-based, targeted advertisements (referred to as “sharing” for cross-context behavioral advertising in the CPRA), and (2) the “sale” of your personal information. In this context, “sale” has a broad definition and includes the conventional meaning of disclosing your personal information in exchange for money, as well disclosing it in exchange for any other thing of value. We do not “sell” your personal information in the conventional sense, but we may disclose data points such as your behavior on our website or app to services that allow us to show you interest-based advertisements, or to our business partners. To learn more about personal information and how we collect, use, and share it, please review our Privacy Policy . ​ To opt out of the “selling” and/or the use or “sharing” of your personal information for interest-based advertising, please submit the form below. Note that after you opt out we will continue to share your personal information with non-advertising based service providers as described in our Privacy Policy , and you will still see some non-targeted advertisements as you use our website. For your convenience, we have summarized additional steps you can take to opt out of having your online activity and device data collected by third parties in our Privacy Policy . If you have any questions or prefer to make your request over email, please contact us at info@harriswealthcoach.com . Opt out of "Selling," "Sharing," and "Targeted Advertising" By submitting this form, you affirm that the information you provide is accurate and agree that Swisher may contact you to verify or confirm information regarding this request. First Name Last Name Email Select an Address I certify that I am a resident of California. I would like to opt out of the "sale" of my personal information I would like to opt out of the use of "sharing" of my personal information for interest-based advertising Submit Thanks for submitting! More information about your privacy choices. ​ In addition to California residents’ ability to request that we not to “sell” your Personal Information, there are a number of tools and methods that any user — regardless of location —may use to opt out of having your online activity and device data collected by third parties, which we have summarized below. We hope you find this information to be a helpful reference. Please note that using these tools to opt out of tracking and targeting does not mean that you will not receive advertising while using our Services or on other websites, nor will it prevent the receipt of interest-based advertising from third parties that do not participate in these programs. It will exclude you, however, from interest-based advertising conducted through participating networks and platforms, as provided by their policies and choice mechanisms. ​ Blocking Cookies in Your Browser. Most web browsers automatically accept cookies, but also usually allow you to modify your settings to disable or reject cookies, including cookies for interest-based advertising. If you delete your cookies or if you set your web browser to decline cookies, however, some features of the Services may not work or may not work as designed. You can usually find these settings in the Options or Preferences menu of your browser; links to instructions provided by several of the most common browsers are below. You can also learn more at www.allaboutcookies.org . ​ Cookie settings in Google Chrome Cookie settings in Firefox Cookie settings in Internet Explorer Cookie settings in Safari web and iOS ​ Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes. ​ Advertising Industry Opt Out Tools. Many of the third party advertisers that use tracking or targeting tools in connection with our Services either directly, or are members of programs that, offer you additional choices regarding the collection and use of your information. You can learn more about the options available to limit these participating third parties’ collection and use of your information by visiting their websites: ​ Opt Out of Interest Based Advertising (National Advertising Initiative) Your Ad Choices (Digital Advertising Alliance) Your Online Choices (European Interactive Digital Advertising Alliance) ​ Platform Opt Out Tools. Google and Facebook offer opt-out features that let you opt-out of use of your information for interest-based advertising. ​ Facebook : About Facebook Ads and Facebook Privacy Policy Google : The Services may deliver advertising using the vendor DoubleClick, a Google company. You can read about how DoubleClick uses cookies , use Google’s controls for blocking certain ads, or use Google’s Ad Settings Page to control how DoubleClick personalizes your ad experience. The Services also may use Google Analytics to track your usage, including the stitching of authenticated and unauthenticated sessions. If you wish to opt-out of Google Analytics’ tracking, use this browser add-on provided by Google . ​ Mobile App Tracking Opt Out Tools. You can learn about your options to opt-out of mobile app tracking by certain advertising networks through your device settings. For more information about how to change these settings for Apple, Android or Windows devices, see: ​ Apple: http://support.apple.com/kb/HT4228 Android: http://www.google.com/policies/technologies/ads/ Windows: http://choice.microsoft.com/en-US/opt-out ​ Social Media Services Settings. If you choose to connect to the Services via a third-party platform or social media network, you may have the ability to limit the information that we may obtain from the third-party at the time you login to the Services using the third-party’s authentication service or otherwise connect your account. Subsequently, you may be able to control your settings through the third-party’s platform or service. For example, you may access and change your settings through the Facebook settings page for Apps and Websites. If you withdraw our ability to access certain information from a third-party platform or social media network, that choice will not apply to information that we have already received from that third-party. ​ Using Privacy Plug-ins or Browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave , or installing browser plugins like Privacy Badger , Ghostery or uBlock Origin , and configuring them to block third party cookies/trackers.

Privacy Policy Do Not Sell or Share My Personal Information LAST UPDATED: January 28, 2023. ​ Harris & Associates Financial Consulting, DBA, Harris Financial Coaching, and the Informed Finance Blog (collectively, the “Company,” “we,” or “us”) want you to be familiar with how we collect, use and disclose information. This Privacy Policy describes our practices in connection with information that we collect through: ​ Websites operated by us from which you are accessing this Privacy Policy (the “Websites”); Our social media pages and apps (collectively, our “Social Media Pages”); HTML-formatted email messages that we send to you that link to this Privacy Policy or other communications with you; and Offline business interactions you have with us. Collectively, we refer to the Websites, Social Media Pages, emails, and offline business interactions as the “Services.” ​ By using our Services, you are accepting the practices described in our Privacy Policy, including our use of cookies and similar online tools If you do not agree to the terms of this Privacy Policy, please do not use our Services. We reserve the right to modify or amend the terms of our privacy policy from time to time without notice Any changes to this Privacy Policy will become effective as of the “last updated” date set forth above. Your continued use of our Services following the posting of changes to these terms will mean you accept those changes. ​ If you are a resident of California, please see the Additional Information Regarding California Privacy Laws – Notice at Collection of Personal Information. ​ PERSONAL INFORMATION ​ “Personal Information” is information that identifies you as an individual or relates to an identifiable individual. The Services collect Personal Information, including: Name Postal address (including billing and shipping addresses) Telephone number Email address Date of birth or age Payment card data (when you make purchases on our e-commerce Websites) Purchase information Username Social media handles and posts Gender Audio/visual recordings Publicly available political affiliation and activities Household information Race ​ Collection of Personal Information ​ We collect Personal Information in a variety of ways, including: ​ Through the Services. We collect Personal Information through the Services, for example, when you sign up for a newsletter, register an account to access the Services, attend one of our booths, participate in one of our focus groups, direct message us, contact customer service, or make a purchase. ​ From Other Sources. We receive your Personal Information from other sources, for example: publicly available databases; third-party data and analytics providers; third party identity / age verification services; ad networks; social media platforms; joint marketing partners, when they share the information with us; if you connect your social media account to your Services account or interact with social media buttons or widgets on our Services, you will share certain Personal Information from your social media account with us, for example, your name, email address, photo, list of social media contacts, and any other information that may be or you make accessible to us when you connect your social media account to your Services account. ​ We need to collect Personal Information in order to provide the requested Services to you or otherwise facilitate the transactions requested by you. If you do not provide the information requested, we may not be able to provide the Services. If you disclose any Personal Information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. ​ Use of Personal Information ​ We use Personal Information for the following purposes: ​ Providing the functionality of the Services and fulfilling your requests. To provide the Services’ functionality to you, such as arranging access to your registered account, and providing you with related customer service. To allow you to complete our telephone and web-based surveys, respond to your inquiries, and fulfill your requests, when you contact us via one of our online contact forms or otherwise, for example, when you send us feedback or request information about our Services or products. To complete your transactions, verify your information, and provide you with related customer service. To send administrative information to you, such as changes to our terms, conditions, and policies. ​ Providing you with our newsletter and/or other materials and facilitating social sharing. To send you marketing related emails with information about our services, new products and other news about our company. To send you information about causes that you may be interested in. To facilitate social sharing functionality that you choose to use. ​ Analyzing Personal Information for business reporting and providing personalized services. To analyze or predict our users’ preferences in order to prepare aggregated trend reports on how our digital content is used, so we can improve our Services. To better understand your interests and preferences, so that we can personalize our interactions with you and provide you with information and/or offers tailored to your interests. To better understand your preferences so that we can deliver content via our Services that we believe will be relevant and interesting to you. ​ Aggregating and/or anonymizing Personal Information. We may aggregate and/or anonymize Personal Information so that it will no longer be considered Personal Information. We do so to generate other data for our use, which we may use and disclose for any purpose, as it no longer identifies you or any other individual. Where we maintain or use de-identified data, we will continue to maintain and use the de-identified data only in a de-identified fashion and will not attempt to re-identify the data. ​ Accomplishing our business purposes. For data analysis, for example, to improve the efficiency of our Services; For developing new products and services; For enhancing, improving, repairing, maintaining, or modifying our current products and services, as well as undertaking quality and safety assurance measures; For identifying usage trends, for example, understanding which parts of our Services are of most interest to users; For operating and expanding our business activities, for example, understanding which products or Services are of most interest to our users so we can focus our energies on meeting our users’ interests. ​ Disclosure of Personal Information ​ We disclose Personal Information: ​ To our subsidiaries for the purposes described in this Privacy Policy. To our third party service providers, to facilitate services they provide to us. These can include providers of services such as website hosting, data analysis, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, auditing, and other services. By using the Services, you may elect to disclose Personal Information. On profiles, posts, and other services to which you are able to post information and content (including, without limitation, our Social Media Pages). Please note that any information you post or disclose through these services, including by tagging us, will become public and may be available to and/or reposted by us, other users, and the general public. Through your social sharing activity. When you connect your Services account to your social media account or interact with social media buttons or widgets on our Services, you will share information with your friends associated with your social media account, with other users, and with your social media account provider. By doing so, you authorize us to facilitate this sharing of information, and you understand that the use of shared information will be governed by the social media provider’s privacy policy. We may also use and disclose Personal Information as we believe to be necessary or appropriate: (a) to comply with applicable law, to respond to requests from public and government authorities, to cooperate with law enforcement, to comply with subpoenas and court orders, and for other legal reasons; (b) to enforce our terms and conditions; and (c) to protect our rights, privacy, safety or property, and/or that of our subsidiaries, you, or others. ​ OTHER INFORMATION ​ “Other Information” is any information that does not reveal your specific identity or does not directly relate to an identifiable individual. The Services collect Other Information such as: ​ IP address (we may also derive your approximate location from your IP address) Unique device identifier Browser and device information Usage data for our Websites and Social Media Pages Information collected through cookies, pixel tags and other technologies Demographic information and other information provided by you that does not reveal your specific identity Information that has been aggregated in a manner such that it no longer reveals your specific identity ​ Collection of Other Information ​ We and our service providers may collect Other Information in a variety of ways, including: ​ Your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function properly. Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, and to personalize your experience. We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies or other technologies in online advertising to track responses to our ads. We do not currently respond to browser do-not-track signals. If you do not want information collected through the use of cookies, most browsers allow you to automatically decline cookies or be given the choice of declining or accepting a particular cookie (or cookies) from a particular website. You may also wish to refer to http://www.allaboutcookies.org/manage-cookies/index.html . If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. Pixel tags and other similar technologies. Pixel tags. Pixel tags (also known as web beacons and clear GIFs) may be used to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns, and compile statistics about usage of the Services and response rates. Analytics. We use Google Analytics, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These services may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to google.com/policies/privacy/‌partners/ , and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout Physical location. If you enable location services on your device, we may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. You may opt out of such sharing of your device’s location through your device’s privacy settings, but if you do, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content. ​ Uses and Disclosures of Other Information ​ We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, we may use and disclose it for the purposes for which we use and disclose Personal Information as detailed in this Policy. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined. ​ SECURITY ​ We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contacting Us” section below. ​ CHOICES AND ACCESS ​ Your choices regarding our use and disclosure of your Personal Information ​ We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt out from receiving marketing-related emails from us on a going-forward basis by clicking on the “Unsubscribe” link in the footer of our emails and following the instructions. ​ We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt out of receiving marketing related emails from us, we may still send you important administrative messages, from which you cannot opt out. ​ How you can access, correct or delete your Personal Information ​ If you are a California resident, please refer to the “Additional Information Regarding California ” section at the end of this Policy for more information about the requests you may make under California laws. ​ THIRD PARTY SERVICES ​ This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website or service to which the Services link or embed. Embedded content from third parties may automatically collect information from you when you visit our pages with such content, and any and all information collected by such third parties are subject to their own privacy policies. The inclusion of a link on the Services does not imply endorsement of the linked site or service by us or by our subsidiaries. ​ In addition, we are not responsible for the information collection, use, disclosure, or security policies or practices of other organizations, such as Facebook (including Instagram), Apple, Google (including YouTube), Twitter, Spotify, or any other app developer, app provider, social media platform provider, or operating system provider, including with respect to any Personal Information you disclose to other organizations through or in connection with our Social Media Pages. ​ THIRD PARTY ADVERTISING ​ We use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services. ​ You may receive advertisements based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties. These companies place or recognize a unique cookie or other tracking technology on your browser (including through the use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device that you are using, please visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool . For information about personalized ads through Google Ads, and to learn how to turn off such ads, please visit Google Ads Help . ​ THIRD PARTY PAYMENT SERVICE ​ We may use a third party payment service to process payments made through the Services. If you wish to make a payment through the Services through a third party payment processor, your payment card information may be collected by such third party and not by us, and will be subject to the third party’s privacy policy, rather than this Privacy Policy. We have no control over, and are not responsible for, this third party’s collection, use, and disclosure of your Personal Information. ​ UPDATES TO THIS PRIVACY POLICY ​ The “Last Updated” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. Depending on the nature of the change, we may contact you by email to inform you of the change or to request your consent to the change. ​ CONTACTING US ​ If you have any questions about this Privacy Policy, please contact us at https://www.harriscashcoach.com/contact-us or by email at info@harriswealthcoach.com . Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us. ​ ADDITIONAL INFORMATION REGARDING CALIFORNIA PRIVACY LAWS - Notice At Collection of Personal Information ​ This notice and the options that follow apply only to residents of California. ​ This section applies only to California residents. In accordance with the California Privacy Rights Act (the “CPRA”), it describes how we collect, use and share personal information of California residents in operating our business, and their rights with respect to that personal information. In the event of a conflict between this section of our Privacy Policy and the rest of our Privacy Policy , this section will take priority for residents of California. ​ Collection of Personal Information ​ We plan to collect, and have collected within the preceding 12 months, the following categories of Personal Information: “Identifiers,” such as name, contact information, online identifiers, and IP address that can reasonably be linked or associated with a particular consumer or household; “Customer Records Information,” or “personal information” as defined in the California consumer records law, such as signature, payment card number, education information, and employment information; “Protected Class Information,” or characteristics of protected classifications under California or federal law, such as sex, gender, age, and race; “Transaction Information,” such as transaction information and purchase history, including purchases considered; “Online Use Information,” or internet and network activity information, such as browsing history and interactions with our website; “Geolocation Data,” such as device location and approximate location derived from IP address; “Audio/Video Data,” or audio, electronic, visual, and similar information, such as call, video, audio/visual, and screen recordings; “ Employment Information,” or professional or employment-related information, such as employment status; and “Inferences,” or inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences, and characteristics. “Sensitive Personal Information,” meaning: account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to the financial account; geolocation information accurate within a radius of 1850 feet or less; racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, or union membership; the contents of mail, email, and text messages unless we are the intended recipient of the communication; genetic data; Personal Information collected and analyzed concerning an individual’s health, information on medical history, mental or physical health conditions, or medical treatment or diagnosis by a health care professional; Biometric information used for the purpose of uniquely identifying an individual; and Personal Information collected and analyzed concerning an individual’s sex life or sexual orientation. ​ Sources of Personal Information ​ We collect this Personal Information from you and from other categories of sources described in the “From Other Sources” section of our Privacy Policy. ​ Purposes for the Collection, Use, Sharing or Other Disclosure of Personal Information ​ As described above, we may use this Personal Information to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives, including, for example, to: develop and improve our products and services; personalize, advertise, and market our products and services; conduct research, analytics, and data analysis; maintain our facilities and infrastructure; undertake quality and safety assurance measures; conduct risk and security control and monitoring; detect and prevent fraud; perform identity verification; perform accounting, audit, and other internal functions, such as internal investigations; comply with law, legal process, and internal policies; maintain records; and exercise and defend legal claims. ​ Use of Sensitive Personal Information ​ Unless we request it, we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., social security numbers, religion or other beliefs, health, biometrics or genetic characteristics, or criminal background) on or through the Services or otherwise to us. ​ Disclosure of Personal Information ​ We disclose Personal Information to the following categories of third parties: ​ “Subsidiaries,” for the purposes described in this Privacy Policy. “Service Providers,” such as our trusted third-party service providers, to facilitate services they provide to us, such as internet services, website hosting, survey administration, data analytics, online advertising, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, marketing, events, auditing, and other services. “Ad Networks,” such as third-party ad networks and online advertising partners to permit them to show you marketing communications. “Social Networks,” when you view or interact with social network platforms or embedded content from social network platforms, who may use the data we share in accordance with their own privacy policies. “Legal Authorities,” such as public and government authorities, including courts, regulators and law enforcement, to respond to requests, as well as to protect and defend legal rights. “Other Parties in Litigation,” such as when we share information in the context of litigation discovery and in response to subpoenas and court orders. ​ The following chart details which categories of Personal Information we disclose to third parties, and the categories of such third parties, for our operational business purposes, including within the 12 months preceding the date this Privacy Policy was last updated. The chart also details the categories of Personal Information that we “share” with third parties for purposes of cross-context behavioral or targeted advertising, and the categories of such third parties, including within the 12 months preceding the date this Privacy Policy was last updated. ​ ​ ​ Other than as set forth in this Privacy Policy, we do not sell or share for cross context behavioral advertising Personal Information as defined under applicable law. We have not engaged in such activities in the 12 months preceding the date this Privacy Policy was last updated. We do not knowingly “sell” the Personal Information of minors under 16 years of age. ​ Retention Period ​ We retain Personal Information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: ​ The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you have an account with us or keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your Personal Information to address issues that may arise; Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); or Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations). ​ Your Privacy Rights and How to Exercise Them ​ As a California resident, you have certain rights related to your personal information, which are detailed below. We encourage you to invoke these rights if you wish to. Rest assured that we will not discriminate or retaliate against you for doing so. ​ Access This Privacy Policy describes the categories of Personal Information we may collect about you, and how that information is collected, used, and disclosed. We will also provide you with the specific pieces of Personal Information we hold about you, upon your request. Correction If you believe that any of the Personal Information we hold about you is inaccurate you may request that we correct it. You can update some information, like your contact details, yourself by visiting your account page. For other corrections, please contact us as described below. Deletion You may request that we delete the Personal Information we hold about you. Please note that we may need to retain limited amounts of Personal Information after completing your request for legal compliance purposes. Additionally, we may postpone completion of your request when your Personal Information is necessary to fulfill our obligations to you. Opt out of “Sharing” You have the right to opt out of the “sharing” of your personal information. “Sharing” under the CPRA means our disclosure of your personal information to a third party in order to serve you interest-based targeted advertising. It does not encompass disclosing your personal information to a third party for other purposes. We do not sell your personal information in the conventional sense (i.e., for money), but may disclose certain details to our business partners and underwriters, or to vendors that enable us to serve you Limiting Use of “Sensitive Personal Information” You may request to limit the use or disclosure of your Sensitive Personal Information to what is necessary for us to perform our services and provide goods as requested, as authorized by regulations, or as otherwise permitted under the CPRA. ​ To make a privacy request, please visit us at this link or contact us at info@harriswealthcoach.com . We will verify and respond to your request consistent with applicable law, taking into account the type and sensitivity of the Personal Information subject to the request. In some instances, we may decline to honor your request where the law or right you are invoking does not apply or where an exception applies. In some cases, our Privacy Policy might answer your questions in a way that is accurate for you personally. In that case we might send you a copy of our Privacy Policy to answer your questions. We may need to request additional Personal Information from you, such as name, email address, and billing/shipping address, in order to verify your identity and protect against fraudulent requests. If you maintain a password-protected account with us, we may verify your identity through our existing authentication practices for your account and require you to re-authenticate yourself before disclosing or deleting your Personal Information. ​ If you make a request to delete, we may ask you to confirm your request before we delete your Personal Information, and we might retain a back-up of your Personal Information to the extent allowed by applicable law, for example as necessary to preserve the integrity or security of our systems or for other purposes that are aligned with our general consumers’ expectations. ​ You may make a request on behalf of a child who is under 13 years old if you are the child’s parent or legal guardian. ​ To request to opt out of any future sharing of your Personal Information for purposes of cross-context behavioral advertising, visit the Network Advertising Initiative opt out page or the DAA’s WebChoice tool. ​ Please note that your opt-out only applies to the browser you use to submit your opt-out, so if you use multiple browsers or devices, you must opt-out on each browser, on each device. Your opt-out is enabled using cookies so once you opt-out, if you delete your browser’s saved cookies on a device, you will need to opt-out again on that browser on that device. ​ Authorized Agents ​ If you are a California consumer and an agent makes a request on your behalf, we may require: Proof of the agent’s registration with the California Secretary of State to conduct business in California. A power of attorney provided to the agent by you pursuant to California Probate Code sections 4121 4130. If you have not provided a power of attorney according to item (2) above: We may require proof that you have provided signed permission authorizing the agent to make a request on your behalf. “Signed” means that the permission has either been physically signed or provided electronically in accordance with the Uniform Electronic Transactions Act, Civil Code 1633.7 et seq. We may require you to: Verify the your own identity directly with us; or Directly confirm with us that you provided your permission to submit the request. ​ If an agent wants to make a request to opt-out of the sale or sharing of your Personal Information on your behalf, we may only ask for the documentation specified in items (1) and (3.a) above. ​ Right to Non-Discrimination ​ You have the right to be free from unlawful discriminatory treatment for exercising your rights under the CCPA. ​ Contact Us ​ If you have questions or concerns about our privacy policies and practices, besides your right to know or right to delete, which are explained above, you may contact us using the information in the “Contacting Us” section above. ​ Last Updated ​ This Privacy Policy was last updated on the “LAST UPDATED” date set forth at the top of this policy. California Privacy Policy