Privacy Policy

Our website address is https://fruonline.com.

FRUOnline.com cares deeply about the privacy of its visitors and users. To that end, this Privacy Policy (“Privacy Policy”) describes how Filthy Rich University, together with Filthy Rich Idea LLC and its affiliated companies worldwide (“Filthy Rich Idea”, “we”, “our”, or “us”), collect, use, and share your Personal Information, as well as an explanation of the data rights you may have in that Personal Information. This Privacy Policy applies to all Filthy Rich University users, including unregistered visitors, registered users, and premium users (collectively, “Users”, “you”, or “your”), and to all Filthy Rich University services, including our websites (including www.fruonline.com and any of its subdomains, the “Website”), web applications (“Filthy Rich Idea Apps”), mobile applications (“Mobile Apps”), and related services (collectively, the “Services”). This Privacy Policy is not intended to override the terms of any contract you have with us, nor any rights you may have under other applicable data privacy laws.

Prior to accessing or using our Services, please read this policy and make sure you fully understand our practices in relation to your Personal Information.  If you read and fully understand this Privacy Policy, and remain opposed to our practices, you must immediately leave and discontinue all use of any of our Services.  If you have any questions or concerns regarding this policy, please contact us at [email protected].

Our data collection policies allow Users to choose how much information is provided, and to control the transmission of that information by selecting “No” to notification questions.

Fruonline.com collects information online to better serve our Users. Depending on the service you are accessing, you could be asked to provide information such as your name, email address, and specific information about your business. This information is requested to provide the strongest value possible.

Protecting your privacy is important to Fruonline.com, therefore Fruonline.com is operated under the guidelines as are listed below:

1. Personal Information

Fruonline.com collects information that personally identifies you. For example, Fruonline.com asks for your name and email address. We will use this information to contact you via e-mail about services available at Fruonline.com. This is done in order to assist you in the various processes and your search for business products/services with Fruonline.com. Thereafter, if you selected to “opt In”, your e-mail address and phone number are then shown to our member sources to allow them to contact you regarding your search for business services or products.

2. Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

3. Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. Cookies, a standard industry technology, are small pieces of information or files that are stored on a user’s computer by the Web server through a user’s browser for record keeping purposes. The information can be retrieved to personalize, monitor, or regulate use of the site. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

Fruonline.com or its advertisers, may place a “cookie” in the browser files of your computer. Cookies allow us to automate access and data entry functions of the site, such as your login information, and tailor the site to a user’s preferences or interests. In addition, cookies allow Fruonline.com to track usage of the site to determine those areas of the site that are useful or popular, thereby enabling Filthy Rich University to improve and update its services.

4. Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

5. Password Resets

If you request a password reset, your IP address will be included in the reset email.

6. How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

6.1. What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

7. Direct Mailings and “Opt In” versus “Opt Out”

Selecting to “Opt In” means that Fruonline.com may send you information about various products and services that may be of interest to you, such as a Free newsletter regarding the various methods to capitalize your business, alternative sources of funding, creative ways other businesses have been successful, products and or services that may assist your business, or in other ways aid your business.

You can “Opt Out” of the Fruonline.com process at any time. However, we may use the information gathered on your form during this process to send you further information about services and products we believe may be of interest to you. If after receipt of such information you may again “Opt Out” from receiving further information by simply clicking the “unsubscribe” link at the bottom of any email.

8. Links to Other Websites

Fruonline.com may provide links to and from its partners and other Internet sites. These sites have separate data and privacy practices independent of Fruonline.com, and Fruonline.com disclaims any responsibility or liability for their policies or actions.

9. Disclosing Your Information

Filthy Rich University will NOT disclose any Personal Information except as described above or in its Terms and Conditions. Fruonline.com may disclose user information, including demographic data, in an aggregated form that does not identify individual users in order to describe its services to prospective partners, advertisers and other third parties and for other lawful purposes.

10. Data Collected to Manage Your Membership

At checkout, we will collect your name, email address, username, and password. This information is used to setup your account for our site. If you are redirected to an offsite payment gateway to complete your payment, we may store this information in a temporary session variable to setup your account when you return to our site.

At checkout, we may also collect your billing address and phone number. This information is used to confirm your credit card. The billing address and phone number are saved by our site to prepopulate the checkout form for future purchases and so we can get in touch with you if needed to discuss your order.

At checkout, we may also collect your credit card number, expiration date, and security code. This information is passed to our payment gateway to process your purchase. The last 4 digits of your credit card number and the expiration date are saved by our site to use for reference and to send you an email if your credit card will expire before the next recurring payment.

When logged in, we use cookies to track some of your activity on our site including logins, visits, and page views.

We collect information about the user during the user registration form submission process on our site.

11. What We Collect and Store

When you purchase from us, we’ll ask you to provide email address. We’ll use this information for purposes, such as, to:

–Send you information about your account and order

–Create your account for our LMS

 

If you register a free account then we will store your email address.

We store information about you for as long as your account exists.

We store course progress, including completion status, quiz scores, assignments and/or essay submissions (if applicable).

We will also store comments on courses, lessons, topics, assignments, and essays if you choose to leave them.

While you visit our site, we’ll track:

  • Form Fields Data: Forms Fields data includes the available field types when creating a form. We’ll use this to, for example, collect informations like Name, Email and other available fields.
  • Location, IP address and browser type: we’ll use this for purposes like geolocating users and reducing fraudulent activities.
  • Transaction Details: we’ll ask you to enter this so we can, for instance, provide subscription packs, and keep track of your payment details for subscription packs!

When you fill up a form, we’ll ask you to provide information including your name, address, email, phone number, payment details and optional account information like username and password and any other form fields available in the registration form. We’ll use this information for purposes, such as, to:

  • Send you information about your account and order
  • Respond to your requests, including transaction details and complaints
  • Process payments and prevent fraud
  • Set up your account for our site
  • Comply with any legal obligations we have, such as calculating taxes
  • Improve our form offerings
  • Send you marketing messages, if you choose to receive them
  • Or any other service the built form was created to comply with and it’s necessary information

If you create an account, we will store your name, address, email and phone number, which will be used to populate the form fields for future submissions.

We generally store information about you for as long as we need the information for the purposes for which we collect and use it, and we are not legally required to continue to keep it. For example, we will store form submission information for 6 years for geolocating and marketting purposes. This includes your name, address, email, phone number.

11.1. Who On Our Team Has Access

Members of our team have access to the information you provide us. For example, both Administrators and Editors can access:

  • Form submission information and other details related to it
  • Customer information like your name, email and address information.
  • Order information such as your enrolled courses, course progress and username / email address.

Our team members have access to this information to help fulfill entries and support you.

11.2. What We Share With Others

We share information with third parties who help us provide our orders and store services to you; for example payments.

11.3. Payments

We accept payments through Stripe and PayPal. When processing payments, some of your data will be passed to Stripe and/or PayPal, including information required to process or support the payment, such as the purchase total and billing information.

Please see the PayPal Privacy Policy for more details.

Please see the Stripe Privacy Policy for more details.

12. Security

Fithy Rich University takes the proper precautions to defend against unauthorized access, alteration, disclosure, or destruction of the personal data we collect and store. We recognize that no system can be completely secure, so we cannot guarantee that communications between you and Filthy Rich University, the Services, or any information provided to us will be fully protected from third-party intrusion. It is your responsibility to keep your password secure and to alert our Support Team if you think your account has been compromised. We strive to use the most appropriate security measures based on the sensitivity of the data stored. Nonetheless, due to the nature of the internet, there is always a risk of unauthorized access, so it is important to keep your password confidential. For more information, visit our Help Center.

13. Your Rights

You are entitled to certain protections regarding your data, such as the ability to opt out of promotional emails, cookies, and any collection of your data by third-parties. If you would like to alter or delete your account, you can do so from within our services, or contact us for individual rights requests concerning your information. If you believe that we have unintentionally gathered personal data from a minor, please contact us for assistance in deleting that data.

13.1. Your Choices About the Use of Your Data

You can choose not to provide certain data to us, but you may not be able to use certain features of the Services.You can opt from receiving promotional messages from us by using the unsubscribe option in them or by changing the email settings in your account. However, we may still be required to send you transactional and relationship messages concerning our Services such as administrative confirmations, order confirmations, updates, and notices about our policies.

  • If you are in the European Economic Area, you can opt out of certain Data Collection Tools by clicking theCookie Settings link at the bottom of any page. Additionally, the browser or device you use may provide you with the ability to manage cookies and other types of local data storage. For more information on this, please visit https://cookiepedia.co.uk/howtomanagecookies.
  • You can also adjust the settings on your wireless device to determine whether location or other data is collected and shared. To access information and control cookies used for tailored advertising from participating companies, visit the consumer optout pages of the Network Advertising Initiative and Digital Advertising Alliance, or if you are located in the European Economic Area, visit the Your Online Choices site.
  • If you are located in Japan, visit the Digital Advertising Consortium. To opt out of Googles display advertising or customize Google Display Network ads, visit the Google Ads Settings page. To opt out of targeted ads from Taboola, check their Cookie Policy for the Optout Link.
  • You can choose to opt out of allowing data from Google Analytics to be used for analytics or enrichment using the Google Analytics Optout Browser Addon.
  • Apple iOS, Android OS, and Microsoft Windows each provide their own instructions on how to control inapp tailored advertising. For other devices and operating systems, you should look at the privacy settings.

If you have any queries regarding your data, our use of it, or your rights, please contact us at [email protected].

13.2. Accessing, Updating, and Deleting Your Personal Data

You can manage and modify your personal data collected and held by Filthy Rich University in the following ways:

To alter data that you provide directly, log in to your account and update your account information at any time.

To terminate your account:

  • If you are a student, go to your profile settings page and follow the instructions listed there.
  • If you are an instructor, follow the instructions provided here.
    • If you have trouble canceling your account, please send an email to [email protected].
    • Please note: even after your account is closed, some of your data may still be visible to others, including without limitation any data that has been (a) copied, stored, or shared by other users (including comments on content); (b) distributed by you or others (including in your shared content); or (c) posted to a thirdparty platform. Even after your account is terminated, we keep your data as long as we have a legitimate purpose for doing so (and in accordance with applicable law), including to comply with legal obligations, resolve disputes, and enforce our agreements. We may keep and disclose such data in compliance with this Privacy Policy after your account has been terminated.
    • To request access, correction, or removal of your personal data, please send such requests by emailing [email protected]. Please allow up to 30 days for a response. We require that the request be made from the email address associated with your account, and we may need to verify your identity before implementing your request. Please note that we retain certain data when we are legally obligated to do so, including for mandatory recordkeeping and to complete transactions.

13.3. Our Policy Concerning Children

We understand the importance of protecting the privacy of children and recognize the need for parents and guardians to be active in their childrens online activities. Individuals younger than the legallyrequired age for consent to use online services (e.g. 13 in the US or 16 in Ireland) cannot create an account unless with the permission of a legal guardian. A parent or guardian may open an account and help the child access suitable content. In the event that Filthy Rich University learns it has collected personal data from a child under that age, it will take reasonable steps to delete it. Parents who think their child’s data may have been collected can contact [email protected] to request its removal.

14. Jurisdiction-Specific Rules

Residents of California have the right to access, delete, and find out who their data is shared with.

14.1. Users in California

California residents have the right to know more about the categories and specific pieces of personal information that has been collected about them, to have any inaccurate personal information corrected, to request deletion of the personal information, to opt out of the sale of their data, and to request details about what personal information is shared with third parties for their direct marketing purposes. To exercise any of these rights, users can email [email protected] . If you are an eligible California user, included in these rights of the California Consumer Privacy Act (“CCPA”) are:

  • “Right to Know” — You have the right to request to know more about the categories and specific pieces of personal information that we have collected about you and access a copy of your personal information.
  • “Right to Correction” — You have the right to have inaccurate personal information about you corrected.
  • “Right to Deletion” — You have the right to request deletion of personal information that we have collected about you.
  • “Right to Non-Discrimination” — If you choose to exercise any of your rights under CCPA, Udemy will treat you like all other users. In other words, there is no penalty for exercising your rights under CCPA.
  • “Right to Opt-Out” – You have the right to opt out of the sale of your personal information.

While there is no widely accepted standard for the browser-initiated Do Not Track signal or “sale” definition for us, Fithy Rich University does not currently recognize or respond to these signals, and does not sell your personal information or.

14.2. Users in Nevada

Filthy Rich University does not trade or distribute its users’ private details or data. Nevada residents, however, have the right to ask that we refrain from selling any of their confidential information; this can be done by emailing [email protected].

15. Updates & Contact Info

If there are any alterations to this policy, users will be informed via email, inapp notification, or any other system deemed necessary by the law. Alterations will be effective as soon as they are posted. If you have any queries, worries, or disagreements, please contact us by email at [email protected].

15.1. Modifications to This Privacy Policy

Frequently, we will revise this Privacy Policy. If we make any major changes, we will make sure to inform you by sending an email, posting a notification on the Services, or as required by law. We will also include a summary of the most important modifications. Unless specified, modifications will take effect when they are posted. In accordance with relevant laws, if you keep using the Services after the changes become effective, then it will be considered that you accept and agree to be bound by the new Privacy Policy. The new Privacy Policy will override any earlier Privacy Policies.