Privacy Statement For Divantage.In Users

As a Site user, you are in control of all your information. We know you want to remain in control of your personal information as well. As one of the pioneers in online digital coaching, and advisors, we realize that earning and retaining your trust is of paramount importance and it’s a responsibility we take very seriously.
That’s why we’ve provided this Privacy Policy, which sets forth our policies regarding the collection, use and protection of the personal information of those using the website. Personal information means information that can be linked to a specific individual, such as name, address, telephone number, e-mail address and credit card number.
We encourage you to review our Privacy Policy, and become familiar with it, but you should know that we do not sell or rent our customers’ personal information to third parties.
Please note that we review our Privacy Policy from time to time, and we may make periodic changes to the policy in connection with that review. Therefore, you may wish to bookmark this page and/or periodically review this page to make sure you have the latest version. Regardless of later updates, we will abide by the privacy practices described to you in this Privacy Policy at the time you provided us with your personal information.
This Privacy Policy explains the following:

  • What personal information we collect from you and how we use it
  • With whom (if anyone) your personal information is shared
  • How you can opt-out of receiving our promotional e-mails
  • How you can update or correct your personal information
  • What safeguards we have in place to protect your personal information
  • Other information you should know about your privacy

What personal information does Divantage gather from me and how is this information used?

When browsing our site, you are not required to provide any personal information unless and until you choose to sign up for one of our e-mail newsletters or other services as described below. 
In order to use our advisory, e-learning, coaching and/or related services through our site, you must provide us with certain personal information such as your name, your telephone number, your e-mail address and the name or names of the person(s) in your family etc. We may also ask you for other personal information, such as your income level, experience, education etc. We require this information so that we can process various data and analysis from time to time.

Member Registration

If you choose to become a registered member of any of Divantage services, you must provide your name, address, telephone number, e-mail address and any other information that may be required for you to access Divantage services. This information is collected for several reasons including but not limited to: (i) personal identification (ii) to allow us to contact you for customer service purposes, if necessary; (iii) to customize the content of our site to strive to meet your specific needs; and/or (iv) to make product or other improvements to our site. In addition, we need your e-mail address to confirm your new member registration and each time you visit our Site. As a Site member you will also occasionally receive updates from us about promotions in your area, special offers, new Divantage services, and other noteworthy items. However, you may choose at any time to no longer receive these types of e-mail messages. Please see our Opt-Out policy described below for details.

Online Surveys

Divantage values opinions and comments from members, so we frequently conduct online surveys. Participation in these surveys is entirely optional. Typically, the information is aggregated and used to make improvements to Site and its services and to develop appealing content, features and promotions for Site members. Survey participants are anonymous unless otherwise stated in the survey.

Promotions & Sweepstakes

Divantage may sponsor promotions and sweepstakes from time to time to give Site members the opportunity to win prizes and gifts, as may be allowed legally and within the framework and provisions of any applicable law for the time being in force. Information collected by us for such activities may include contact information and survey questions. We use contact information to notify contest winners and survey information to develop promotions and product improvements to the website.

Automatic Logging of Session Data

We automatically log generic information about your computer’s connection to the Internet, which we call “session data”, that is anonymous and not linked to any personal information. Session data consists of things such as IP address, operating system and type of browser software being used and the activities conducted by the user while on Site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. Although such information does not identify any visitor personally, it is possible to determine from an IP address a visitor’s Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity.

“Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. There are many myths circulating about cookies, but you should know that cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is very common on the internet and Divantage’s use of cookies is similar to that of other reputable online companies.
First and foremost, you can rest assured that no personally identifiable information (“PII”) about you (e.g., name, address, etc.) is gathered or stored in the cookies placed by the Site and, as a result, none can be passed on to any third parties.
Cookies allow us to serve you better and more efficiently, and to personalize your experience at our site. uses cookies to personalize your experience on Site and with respect to advertisements. As to the former, these types of cookies allow you to log in without having to type your log-in name each time (only your password is needed. We may also use such cookies to display an advertisement to you while you are on Site or to send you a “Best Suited to you options” email (or similar emails — assuming you have not opted out of receiving such emails) focusing on financial instruments in which we think you might be interested. None of this information is passed to any third party and is used solely by us to provide you with a better user experience on Site.

A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our site and no PII is gathered from you by the use of these cookies, nor is this information shared with any third parties. Similarly, a cookie may be placed by our third-party advertising companies. These companies may use aggregated statistics about your visits to this and other web sites in order to provide advertisements about travel-related goods and services that you may be interested in. The information they collect does not include your PII.

The third-party advertising companies may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to this and other sites in order to provide advertisements about goods and services of potential interest to you. No PII is collected during this process. The information is anonymous and does not link online actions to an identifiable person. If you would like more information and want to explore the option of not having this information collected by third-party advertisers.

Most web browsers automatically accept cookies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. Divantage supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking Divantage cookies may disable certain features on Site and may make it impossible to use certain services available on Site. Please note that it is possible to block cookie activity from certain web sites while permitting cookies from sites you trust, like Divantage.


From time to time we may add or enhance services available on Site. To the extent these services are provided and used by you, we will use the information you provide to facilitate the service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store such information to assist us in making the site the better and easier to use.

With whom (if anyone) will my personal information be shared?

We do not sell or rent individual customer names or other personal information to third parties. We use non-personally identifiable information in aggregate form to build higher quality, more useful online services by performing statistical analysis of the collective characteristics and behavior of our customers and visitors, and by measuring demographics and interests regarding specific areas of Site. We may provide anonymous statistical information based on this data to suppliers, advertisers, affiliates and other current and potential business partners. We may also use such aggregate data to inform these third parties as to the number of people who have seen and clicked on links to their web sites. Occasionally, Divantage will hire a third party to act on our behalf for projects such as market-research surveys and contest-entry processing and will provide information to these third parties specifically for use in connection with these projects. The information we provide to such third parties is protected by a confidentiality agreement and is to be used solely for completing the specific project.

How can I opt-out of receiving your promotional emails?

Our Opt-out Policy

At any time, you may unsubscribe from our emails, or other newsletter or similar services through the unsubscribe button provided in such email(s) or newsletter(s).  As a member or promotion/sweepstakes entrant, if any, you will occasionally receive e-mail updates from us about special offers, new Divantage services, and other noteworthy items. We hope you will find these updates interesting and informative. Of course, if you would rather not receive them, please click on the “unsubscribe” link or follow the instructions in each e-mail message. Divantage reserves the right to limit membership to those who will accept e-mails. Members will be notified via e-mail prior to any actions taken.

What other information should I know about my privacy? Site may contain links to other web sites/pages. Please note that when you click on one of these links, you are entering another web site for which Divantage has no responsibility. We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. Of course, you are solely responsible for maintaining the secrecy of your passwords and your Site membership account information. Please be very careful, responsible, and alert with this information, especially whenever you’re online.

In addition to the circumstances described above, Divantage may disclose Site member information if required to do so by law, court order, as requested by other government or law enforcement authority, or in the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights or properties of Divantage or any or all of its affiliates, , associates, employees, directors or officers or when we have reason to believe that disclosing the information is necessary to identify, contact or bring legal action against someone who may be causing interference with our rights or properties, whether intentionally or otherwise, or when anyone else could be harmed by such activities. In addition, if Divantage or substantially all of its assets are acquired, our customer information will most likely also be transferred in connection with such acquisition.

This policy is effective as of current date. Any material changes in the way Divantage uses personal information will be described in future versions of this Privacy Statement. Of course, you may always submit concerns regarding our Privacy Statement or our privacy practices via email to Please reference the privacy policy in your subject line. Divantage will attempt to respond to all reasonable concerns or inquiries within five business days of receipt.

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