Terms & Privacy Policy

Hoi T Pham (“I”, “we”, “us”, or “HTP”) respects the privacy of your personal information. This Terms and Privacy Policy sets out the information is collected from you on http://hoitpham.com (hereinafter the “website”) and how it is used. The term “you” refers to anyone who uses, visits and/or views the website.

By visiting and using the website, you accept and agree to be bound by this Terms and Privacy Policy. Your continued use of the website after posting of any changes to our Terms and Privacy Policy constitutes your acceptance of those changes and updates. You must not access or use the website if you do not wish to be bound by this Terms and Privacy Policy.

Disclaimer

Information presented on the website contains my own opinions and is intended for informational purposes only. 

The website may contain ads and / or affiliate links. From time to time, this website may be compensated by companies through advertising, affiliate programs, or other programs. Any references to third party products, rates, or websites are subject to change without notice. Please ensure you conduct appropriate research before participating in any third party offers.

The website may be compensated if you utilise the links located on this website and generate sales for the said merchant. You are not obligated to click on any links or buy any products that are shown on the website.

Any questions relating your financial circumstances should be directed to a trusted and qualified finance professional. Whilst we strive to provide accurate information, it may not be appropriate for your specific circumstances. The information may also be outdated over time.

Privacy Policy

This privacy policy sets out how the website uses and protects information that you give when using the website. If we ask you to provide information that can identify you when using this website, it will only be used in accordance with this privacy statement.

What we collect

We may collect the following information:

1. Contact information including your name and email address
2. Demographic information such as postcode, preferences and interests
3. Other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

1. We may use the information to improve our products and services.
2. We may periodically send promotional emails about new products, special offers or other information which  you may find helpful or interesting.
3. From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, there are physical, electronic and managerial procedures to safeguard the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to tailor its operations to your needs, likes and dislikes by gathering and recall your preferences.

We use traffic log cookies to identify which pages are visited. This helps us better understand traffic on our website so we can improve it in order to tailor it to customer needs. We only use this information for statistical analysis purposes before the data is removed from the system.

Cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Comments and social media

If you leave a comment on this website, the comment and its metadata are retained indefinitely in order for us to approve any follow-up comments automatically instead of holding them in a moderation queue. When you leave a comment, your name, email address and website / organisation name is not shared with a third party, and may be used to communicate with you.

Social media accounts and sharing options are available on this website. Social media sites may track your personal information. Should you choose to interact with us on social media, please note that you will be voluntarily disclosing that personal information and that the information is no longer private. It becomes public information and can be collected and used by others. We have no control over and take no responsibility for the use, storage or dissemination of such publicly disclosed personal information by you.

Any such interactions via comments and social media with us do not subject us to any kind of liability related to misuse of your information by others.

Advertising

We may use advertising service vendors to help present advertisements on the website. These vendors may use cookies, web beacons, or similar technologies to serve you advertisements tailored to interests you have shown by browsing on this and other sites you have visited, to determine whether you have seen a particular advertisement before and to avoid sending you duplicate advertisements. In doing so, these vendors may collect non-personal data such as your browser type, your operating system, Web pages visited, time of visits, content viewed, ads viewed, and other clickstream data. The use of cookies, web beacons, or similar technologies by these advertising service vendors is subject to their own privacy policies, not ours, and Service Provider disclaims all liability in connection therewith. We do not have control over cookies placed by advertisers. 

We may also use Google Adsense advertising on the website. Google is a third party that also uses cookies to place ads on the website with the aim of providing a positive user experience based on a user’s prior visits to the website. You may opt out of Google by visiting their privacy policy and ad settings.

Links to other websites

Our website may contain links to other websites of interest. If you use these links to leave our site, we do not have any control over the other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Managing your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

1. If you are asked to fill in a form on the website, you may indicate that you do not want the information to be used for direct marketing purposes
2. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us.
3. We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.