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    An Accountability Conversation Worksheet

    A direct and effective nonviolent communication process for transforming difficult uncomfortable situations into positive productive outcomes.

     

    FAITH IS THE BIRD THAT FEELS THE LIGHT WHEN THE DAWN IS STILL DARK

    Rabindranath Tagore

  • Business and Life Planning Worksheet

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  • ABOUT FINANCIAL HEART SPACE, LLC

    "When you combine your mind, your heart, your resources, and throw them in motion for the betterment of others you have the power to change the world." -Bente Strong, Investment and Philanthropic Advisor

    Financial Heart Space, LLC provides a truly holistic approach to financial health, planning and wealth management.

     

    We collaborate with traditional financial planners and wealth managers to integrate the exterior talents of traditional financial planners with the interior skills of a money coach to reconnect the whole mind, body, and spirit with money and financial resources.

     

    We coach and facilitate workshops to teach our clients a practice to resolve inner conflicts and fear-based money blocks that limit their freedom to be happy, healthy and wealthy.

     

    We teach financial professionals interior finance skills and processes to integrate true holistic financial planning into their business.

     

    We design and facilitate transformational workshops and training to create heart-centered workspace environments and increase performance and profitability.

     

    One of the most valued and appreciated services we offer is helping our clients find an investment advisor or wealth manager they trust who shares our value-based philosophy of care.


    Book a Free 20-Minute Interview with Martin

    Financial Heart Space, LLC provides a truly holistic approach to financial health, planning and wealth management.

     

    We collaborate with traditional financial planners and wealth managers to integrate the exterior talents of traditional financial planners with the interior skills of a money coach to reconnect the whole mind, body, and spirit with money and financial resources.

     

    We coach and facilitate workshops to teach our clients a practice to resolve inner conflicts and fear-based money blocks that limit their freedom to be happy, healthy and wealthy.

     

    We teach financial professionals interior finance skills and processes to integrate true holistic financial planning into their business.

     

    We design and facilitate transformational workshops and training to create heart-centered workspace environments and increase performance and profitability.

     

    One of the most valued and appreciated services we offer is helping our clients find an investment advisor or wealth manager they trust who shares our value-based philosophy of care.


    Book a Free 20-Minute Interview with Martin

  • HEART-CENTERED FINANCIAL PLANNING AND COACHING

    A Step Beyond Stocks, Bonds and IRAs

    TRUE HOLISTIC FINANCIAL PLANNING

    True Holistic Financial Planning is a financial planning process to reconnect the whole mind, body, and spirit with money and financial resources.

     

    It’s an inside-out approach that first resolves our inner conflicts and fear-based blocks that limit our ability to make clear confident decisions and plan for the future.

     

    The most common limiting belief focuses on our money and self-worth. Most of our pain and suffering is based on a big lie we tell ourselves: that we are not worthy. We need a financial planning process and guide to liberate us from the pain of unworthiness to get our power back.

     

    True Holistic Financial Planning combines the interior skills of a money coach, to free us from the pain of unworthiness, with the exterior talents of traditional financial planners to create a financial road map to grow and protect our wealth and finance our life plans.

     

    Book a Free 20-Minute Interview with Martin

    TRUE HOLISTIC FINANCIAL CONSULTING

    True Holistic Financial Coaching is a life coaching program focused on liberating our clients from a scarcity mindset, a deeply rooted belief there is not enough to go around.

     

    We feel bad when we live in constant fear, doubt and worry about money. It's impossible to make good financial decisions and plan for the future.

     

    "The Abundance Mentality, on the other hand, flows out of a deep inner sense of personal worth and security. It is the paradigm that there is plenty out there and enough to spare for everybody. It results in sharing of prestige, of recognition, of profits, of decision making. It opens possibilities, options, alternatives, and creativity." -Stephen Covey

     

    Free from a scarcity mindset, we feel better and begin to enjoy life from the heart space of abundance. Take your first step now to financial freedom.

     

    Book a Free 20-Minute Interview with Martin

  • WORKSHOPS

    Take on Your Money Shadow Today

    THE HEART-CENTERED BUSINESS LEADER

    Be an Inspirational, Loving Leader

    Are you feeling stuck? Do you feel frustrated that no matter how much hard work and effort you put into growing your business and take it to the next level, there just isn’t “enough?" Like so many of us, maybe you too are living in the shadows of a “scarcity mindset."

     

    This workshop is designed specifically for the business owner and entrepreneur to get their power back from a fear-driven “scarcity mindset.”

     

    During this heart-centered experiential journey, we will look back at our money story to find the origins of our scarcity mindset, expose it to the light of truth and stop its power over us. With the truth revealed, you will experience the value of building your business from the creative and love-driven power of your heart.

     

    Book a Free 20-Minute Interview with Martin

    THE HEART-CENTERED EVERYDAY LEADER

    Love, Joy, Abundance and Money

    Who or what has the power in your money relationship? In our culture, we all give away our power to money. When we give away our power, we feel fear - often the fear of lack, or not enough.

     

    This four-hour workshop is a heart-centered experiential “hero’s journey” to transform our fear of money to money as an expression of love. The goal of this workshop is to transform our fears and worry about money and finances into authentic power and freedom.

     

    Come prepared for an exciting adventure, where you will be challenged mentally, emotionally and spiritually as we encounter the Scarcity Dragon, to liberate ourselves from our fears and doubts about money.

     

    Everyone is worthy of being happy, joyous and free.

     

    Book a Free 20-Minute Interview with Martin

    THE HEART-CENTERED WORKPLACE TEAM

    Empower Your Team with Love

    A heart-centered workplace is focused on shared internal values and purpose to achieve higher levels of performance and profitability. When focused on a cause or mission bigger than themselves, people can take down their armor and connect with an open heart to better serve the work and each other.

     

    Heart-centered work environments shift the way team members respond to fearful situations as they occur. With courage and vulnerability to be compassionately honest, people can connect and support each other to resolve conflict and increase performance and profitability.

     

    One of the most significant benefits of creating a heart-centered workspace is our ability to individually and collectively tap into a higher more creative operating system. Plugged into a higher power, people create, perform and produce at levels otherwise unobtainable. It feels better working with people who know you and value your true self.

     

    There are two forces that drive people and the organizations they run: fear and love. Fear of not enough, a scarcity mindset, or the creative power of love, the universal truth of abundance. The heart-centered workspace knows of these two driving forces and, with conscious intention, loves.

     

    Our workshops are custom-designed to first bring this awareness into the workspace and then teach tools and processes to transform fear-driven scarcity into love-driven abundance.

     

    Everyone deserves the opportunity to perform at their highest potential.

     

    Book a Free 20-Minute Interview with Martin

     

  • Scott Mason

    President, The Brooklyn Press

    As a speaker and workshop facilitator, Martin Cowart has the substantive knowledge, the unique point of view and the public presentation mojo to provide an experience that will be both informative and memorable.

     

    Bringing experiences gleaned from his many years as a successful small business owner, financial advisor, and consultant/coach, Martin has the knowledge and gravitas to credibly convey a message that is critical for his proposed audience -- but he also has the authenticity, ability to connect with others, and sense of humor necessary to ensure that his message is actually absorbed.

     

    The genuine concern he has for those he is there to teach, his mastery of public speaking, and his singular ability to create bonds with all sorts of people are sure to make his workshop a standout for everyone who attends.

    Chris Guidone

    President, Big Picture Tourism Consulting, LLC

    I have had the privilege to meet and work with Martin Cowart over the last year. He has been instrumental in helping me approach my relationship to money in a way that was totally unexpected and yet authentic and personal to my individual needs.

     

    Martin knows how to break down the obstacles that keep us from taking control and managing a healthy relationship with our financial fears. I am grateful for his heartfelt approach and unwavering personal support.

    Bradley Carlson

    Human Rights Activist - Real Estate Developer

    Martin has a rare combination of financial knowledge and emotional intelligence that is sorely needed today. Martin is passionate about helping people find better and more fulfilling relationships with their money.

     

    He helped me uncover blockages in integrating my financial choices with my life’s passions. I am grateful for what he did for me and what he is doing for others.

    Jacques Burgering

    I felt so much gratitude after my coaching session with Martin Cowart. He helped me unravel the emotions and stories around a financial issue in a safe and professional way.

     

    With his warm and calm southern voice, he lovingly and persistently asked the much-needed questions, so l could find my way back to my heart and soul! Thank you so much for this heartfelt and enlightening journey!

    Mark Reichard

    I had the pleasure of participating in Martin Cowart’s “Love, Joy, Abundance and Money” workshop in the fall of 2018. Through a combination of discussion, reflection, art, and play, Martin helped demystify our relationship with money, and actually illuminated its spiritual aspects— how it can be used to make the world and our lives better, kinder, more compassionate and more loving. I recommend Martin’s workshops to anyone who wishes to gain a better understanding of the role that money plays in our lives and to attain a proper balance between the material and the spiritual.

    Kate Kozlova

    High School Teacher, Yogini, World Traveler

    I had no idea what to expect when my partner asked if I wanted to attend Martin’s workshop but taming my scarcity dragon sounded epic so I went for it. I am forever grateful for making that decision because what I experienced that afternoon transformed my relationship with my finances and redefined scarcity for me.


    Martin creates an environment where participants are given the opportunity, to be honest with themselves and face their greatest fears about money and use them as stepping stones to inner growth. The workshop takes a creative and spiritual approach to financial literacy, which tackles financial insecurities from their psychological roots, offering long-term healing and liberation.


    Since embarking on this journey of self-exploration, my partner and I could reconcile our discomfort with being open and honest about our finances, I opened and cultivated my first savings account, and I no longer panic when I open up my bank app. Thank you, Martin!

  • Meet Martin Cowart, Prosperity Guide

    My greatest joy comes from guiding my clients and students through their journey of transformation.

     

    As a traditional financial planner, I was frustrated with the results of the planning we provided. Working with brilliant finance professionals, we would do everything to design and implement plans to support our clients to achieve their financial goals.

     

    Yet people still worried about their money and finances. People still felt powerless.

     

    I cultivated a rare talent for helping people discover and resolve their inner conflicts and fear-based blocks limiting their ability to make clear confident decisions and plan for the future.

     

    The most common limiting belief focuses on our money and self-worth. Most of our pain and suffering is based on a big lie we tell ourselves: that we are not worthy.

     

    We need a financial planning process and guide to liberate us from the pain of unworthiness. I created a revolutionary approach to financial well-being: True Holistic Financial Planning and Coaching.

     

    We begin with a journey into our past to explore our core beliefs that gave birth to this lie. Exposed to the light of truth we are liberated from these limiting beliefs, we get our power back and we feel better.

     

    Now we can approach financial planning from a place of truth and clarity of purpose.

     

    There is nothing more beautiful than being present to someone waking up to the truth of who they are and getting their power back.

     

    When we tap into our True Self, we realize we are part of something so much bigger than ourselves. It is so magnificent that the small, personal, narcissistic concerns simply dissolve.

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    There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Marketplace Offerings, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
    
    
    DISCLAIMER
    
    THE SITE AND THE MARKETPLACE OFFERINGS ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND THE MARKETPLACE OFFERINGS AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE OR THE MARKETPLACE OFFERINGS, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
    
    
    LIMITATIONS OF LIABILITY
    
    IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE OR THE MARKETPLACE OFFERINGS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF THE AMOUNT PAID, IF ANY, BY YOU TO US OR __________. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
    
    
    INDEMNIFICATION
    
    You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Marketplace Offerings; (2) breach of these Terms of Use; (3) any breach of your representations and warranties set forth in these Terms of Use; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Site or the Marketplace Offerings with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
    
    
    USER DATA
    
    We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Marketplace Offerings, as well as data relating to your use of the Marketplace Offerings. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Marketplace Offerings. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.
    
    
    ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
    
    Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means. 
    
    
    MISCELLANEOUS
    
    These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Marketplace Offerings constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Marketplace Offerings. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.
    
    
    CONTACT US
    
    In order to resolve a complaint regarding the Site or the Marketplace Offerings or to receive further information regarding use of the Site or the Marketplace Offerings, please contact us at: 
    
    Financial Heart Space, LLC 
    14 Glen Road 
    West Orange, NJ 07052
    Phone: 917-509-5235
    
    
    
    ×
    PRIVACY NOTICE
    Last updated May 26, 2020
    
    
    
    Thank you for choosing to be part of our community at Financial Heart Space, LLC (“Company”, “we”, “us”, or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our notice or our practices with regards to your personal information, please contact us at [email protected]
    
    When you visit our website http://www.financialheartspace.com, Facebook application, mobile application, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue the use of our Sites or Apps and our services.
    
    This privacy notice applies to all information collected through our website (such as http://www.financialheartspace.com), Facebook application, mobile application, ("Apps"), and/or any related services, sales, marketing or events (we refer to them collectively in this privacy notice as the "Services").
    
    Please read this privacy notice carefully as it will help you make informed decisions about sharing your personal information with us.
    
    
    
    TABLE OF CONTENTS
    
    1. WHAT INFORMATION DO WE COLLECT?
    
    2. HOW DO WE USE YOUR INFORMATION?
    
    3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
    
    4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
    
    5. DO WE USE GOOGLE MAPS?
    
    6. HOW LONG DO WE KEEP YOUR INFORMATION?
    
    7. HOW DO WE KEEP YOUR INFORMATION SAFE?
    
    8. DO WE COLLECT INFORMATION FROM MINORS?
    
    9. WHAT ARE YOUR PRIVACY RIGHTS?
    
    10. CONTROLS FOR DO-NOT-TRACK FEATURES
    
    11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
    
    12. DO WE MAKE UPDATES TO THIS POLICY?
    
    13. HOW CAN YOU CONTACT US ABOUT THIS POLICY?
    
    
    
    1. WHAT INFORMATION DO WE COLLECT?
    
    
    Information collected through our Apps
    
    In Short:   We may collect information regarding your and Facebook permissions when you use our apps.
    
    If you use our Apps, we may also collect the following information:
    
    Facebook Permissions. We by default access your Facebook basic account information, including your name, email, gender, birthday, current city, and profile picture URL, as well as other information that you choose to make public. We may also request access to other permissions related to your account, such as friends, checkins, and likes, and you may choose to grant or deny us access to each individual permission. For more information regarding Facebook permissions, refer to the Facebook Permissions Reference page.
    
    
    
    2. HOW DO WE USE YOUR INFORMATION?
    
    In Short:  We process your information for purposes based on legitimate business interests, the fulfillment of our contract with you, compliance with our legal obligations, and/or your consent.
    
    We use personal information collected via our Services or Apps for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.
    
    We use the information we collect or receive:
    
    To facilitate account creation and logon process. If you choose to link your account with us to a third party account (such as your Google or Facebook account), we use the information you allowed us to collect from those third parties to facilitate account creation and logon process for the performance of the contract.
    
    To send you marketing and promotional communications. We and/or our third party marketing partners may use the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt-out of our marketing emails at any time (see the "WHAT ARE YOUR PRIVACY RIGHTS" below).
    
    To send administrative information to you. We may use your personal information to send you product, service and new feature information and/or information about changes to our terms, conditions, and policies.
    
    Fulfill and manage your orders. We may use your information to fulfill and manage your orders, payments, returns, and exchanges made through the Services or Apps.
    
    To post testimonials. We post testimonials on our Services or Apps that may contain personal information. Prior to posting a testimonial, we will obtain your consent to use your name and testimonial. If you wish to update, or delete your testimonial, please contact us at [email protected] and be sure to include your name, testimonial location, and contact information.
    
    Deliver targeted advertising to you. We may use your information to develop and display content and advertising (and work with third parties who do so) tailored to your interests and/or location and to measure its effectiveness.
    
    Administer prize draws and competitions. We may use your information to administer prize draws and competitions when you elect to participate in competitions.
    
    Request Feedback. We may use your information to request feedback and to contact you about your use of our Services or Apps.
    
    To protect our Services. We may use your information as part of our efforts to keep our Services or Apps safe and secure (for example, for fraud monitoring and prevention).
    
    To enable user-to-user communications. We may use your information in order to enable user-to-user communications with each user's consent.
    
    To enforce our terms, conditions and policies for Business Purposes, Legal Reasons and Contractual.
    
    To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.
    
    To manage user accounts. We may use your information for the purposes of managing our account and keeping it in working order.
                             
    To deliver services to the user. We may use your information to provide you with the requested service.
    
    To respond to user inquiries/offer support to users. We may use your information to respond to your inquiries and solve any potential issues you might have with the use of our Services.
    
    For other Business Purposes. We may use your information for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Services or Apps, products, marketing and your experience. We may use and store this information in aggregated and anonymized form so that it is not associated with individual end users and does not include personal information. We will not use identifiable personal information without your consent.
    
    
    3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
    
    In Short:  We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations.
    
    We may process or share data based on the following legal basis:
    Consent: We may process your data if you have given us specific consent to use your personal information in a specific purpose.
    
    Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.
    
    Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.
    
    Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
    
    Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
    More specifically, we may need to process your data or share your personal information in the following situations:
    
    Vendors, Consultants and Other Third-Party Service Providers. We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service and marketing efforts. We may allow selected third parties to use tracking technology on the Services or Apps, which will enable them to collect data about how you interact with the Services or Apps over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. Unless described in this Policy, we do not share, sell, rent or trade any of your information with third parties for their promotional purposes.
    
    Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
    
    Third-Party Advertisers. We may use third-party advertising companies to serve ads when you visit the Services or Apps. These companies may use information about your visits to our Website(s) and other websites that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you.
    
    Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
    
    Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.
    
    
    4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
    In Short:  We may use cookies and other tracking technologies to collect and store your information.
    
    We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policy.
    
    
    
    5. DO WE USE GOOGLE MAPS?
    
    In Short:  Yes, we use Google Maps for the purpose of providing better service.
    
    This website, mobile application, or Facebook application uses Google Maps APIs. You may find the Google Maps APIs Terms of Service here. To better understand Google’s Privacy Policy, please refer to this link.
    
    By using our Maps API Implementation, you agree to be bound by Google’s Terms of Service.
    
    
    
    6. HOW LONG DO WE KEEP YOUR INFORMATION?
    
    In Short:  We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
    
    We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this policy will require us keeping your personal information for longer than 2 years past the start of idle period of the user's account.
    
    When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
    
    
    7. HOW DO WE KEEP YOUR INFORMATION SAFE?
    
    In Short:  We aim to protect your personal information through a system of organizational and technical security measures.
    
    We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Services or Apps is at your own risk. You should only access the services within a secure environment.
    
    
    
    8. DO WE COLLECT INFORMATION FROM MINORS?
    
    In Short:  We do not knowingly collect data from or market to children under 18 years of age.
    
    We do not knowingly solicit data from or market to children under 18 years of age. By using the Services or Apps, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services or Apps. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at [email protected]
    
    
    
    9. WHAT ARE YOUR PRIVACY RIGHTS?
    
    In Short:  You may review, change, or terminate your account at any time.
    
    If you are resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
    
    If you have questions or comments about your privacy rights, you may email us at [email protected] .
    
    
    Account Information
    If you would at any time like to review or change the information in your account or terminate your account, you can:
    
        ■  Contact us using the contact information provided.
    
    Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some information may be retained in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our Terms of Use and/or comply with legal requirements.
    
    Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services or Apps. To opt-out of interest-based advertising by advertisers on our Services or Apps visit http://www.aboutads.info/choices/.
    
    Opting out of email marketing: You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list – however, we will still need to send you service-related emails that are necessary for the administration and use of your account. To otherwise opt-out, you may:
    
        ■  Contact us using the contact information provided.
    
    
    
    10. CONTROLS FOR DO-NOT-TRACK FEATURES
    
    Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
    
    
    
    11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
    
    In Short:  Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
    
    California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
    
    If you are under 18 years of age, reside in California, and have a registered account with the Services or Apps, you have the right to request removal of unwanted data that you publicly post on the Services or Apps. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services or Apps, but please be aware that the data may not be completely or comprehensively removed from our systems.
    
    
    
    12. DO WE MAKE UPDATES TO THIS POLICY?
    
    In Short:  Yes, we will update this policy as necessary to stay compliant with relevant laws.
    
    We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
    
    
    
    13. HOW CAN YOU CONTACT US ABOUT THIS POLICY?
    
    If you have questions or comments about this policy, you may email us at mart[email protected] or by post to:
    
    Financial Heart Space, LLC 
    14 Glen Road
    West Orange, NJ 07052
    United States
    
    
    HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
    
    Based on the laws of some countries, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here. We will respond to your request within 30 days.
    This privacy policy was created using Termly’s Privacy Policy Generator.