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The Crucial Step You Don’t Want to Skip Over When You’re Trying to Improve Your Finances

  • July 30, 2021

For humans, making behavioral changes isn’t easy. And truthfully, most of us don’t try to improve ourselves or our finances out of the blue. There’s usually a specific reason, an event, or a guiding force that motivates us to change.

 

Maybe you just lost your job and realized your cash cushion isn’t as large as you’d like it to be. Or maybe it’s January 1, you’re riding the communal wave of self-improvement, and you decide this year you’ll build better money habits.

 

Another reason to add to the list? Financial Awareness Day on August 14. While it may sound like a made-up day (well, someone did make it up at some point), we’ll take it if it gives us another excuse to improve our finances.

 

Regardless of whether the holiday is “real,” why does being financially aware matter? Because being aware is THE first step to improving your financial health. How can you get to a better place financially if you don’t know where you’re starting from?

 

So to help you with this first, crucial step in improving your money matters, here are 4 ways you can increase your financial awareness, each in a different category of your finances (general finances, saving, credit, and spending).

 

1. Perform a SWOT Analysis (General Finances)

Before you dive into the nitty-gritty of your different financial accounts and documents, it’s best to start at a high level. An easy way to start this process is to answer the following question: 

 

How would you describe your relationship with money? Understanding how you view and feel about money is important in addressing any underlying mental blocks or areas for improvement. Here are a few ideas to mull over so you can better answer that question:

 

  • Is money something you avoid dealing with, talking about, or learning about?
  • Does it make you angry or resentful?
  • Is it a crutch for you? Something you think will rescue you from your problems?
  • Are you completely disinterested in money?
  • Is money something you feel unworthy of?

 

There’s no wrong answer. Just be sure to write down how you’d describe your relationship with money today—not what you wish it were. That way you can have a clear sense of what’s working and what may not be. 

 

Next, perform what’s called a SWOT analysis, where you write down your financial Strengths, Weaknesses, Opportunities, and Threats. Here’s a simple chart you can use as a starting point:

 

Performing a SWOT analysis with the above template can help you learn more about where you are financially today and how you can get to where you want to be.

 

By giving yourself an opportunity to reflect, you can build a much stronger path forward for becoming the best version of your financial self.

 

2. Define What Wealth Means to You (Saving)

Saving is one of the most important elements of your personal finances. But before you dive into how much you should be saving and which accounts to move your funds into, you’ll need to take a step back.

 

Research shows that when we have a clear motivation for our goals (A.K.A. we’ve defined the why behind our goals), we’re more likely to achieve those goals. One study even found that having a sense of purpose is tied to increased income and net worth!

 

To clarify your motivations for saving, many financial experts will encourage you to write down concrete goals (I’m saving $50,000 so I can buy a house next year; I’m saving so I can retire early, etc.). 

 

But it’s important to peel this layer back even further. WHY do you want to buy a house? WHY do you want to retire?

 

That’s why we recommend you get clear on what wealth *actually* means to you. It can be different for everyone, depending on interests, stage of life, and personal values. But for most people, true wealth is ultimately about freedom.

 

 

Wealth can mean freedom from money, time, relationships, or spiritual and physical challenges.

 

 

To help you build a strong foundation for WHY you’re saving and building wealth, write down your answers to the following questions:

 

  1. What is my personal definition of wealth?
  2. Do I have an “abundance” mentality or “lack” mentality? 
  3. What is holding me back from accumulating more wealth?
  4. What am I most excited about in having wealth?

 

Once you have the “WHY save?” covered, the “HOW and WHAT to save?” will become much clearer.

 

3. Know How the “Lending Gods” View You (Credit)

Taking on debt is a necessary part of living—it’s how most of us are able to get an education or buy a home. And the way we can get more favorable terms for taking on that debt? Having a healthy credit score. (Bonus: Managing your debt well can also help you build your credit.)

 

Your credit rating can affect your ability to get favorable loans: it can affect whether you’re qualified, the amount you can receive, and the interest rate. 

 

Your credit score is based on these main criteria, listed in order of importance:

  • Payment History (Are you paying bills and other obligations on time?)
  • Credit Utilization (Are you using less than 30% of your available credit?)
  • Length of Credit History (Do you have accounts that have been open for a while?)
  • Mix of Credit Types (Do you have a good balance of installment accounts and credit card accounts?)
  • Recent Applications (Has it been a while since you’ve had a hard inquiry into your credit?)

A higher number indicates stronger credit. Generally, loan applicants with a higher credit rating can qualify for larger loan amounts with lower interest rates. Image from nerdwallet.com.

 

Being aware of your credit score is crucial for your financial health. You can check your score regularly through free apps like Mint or Credit Karma. When you keep tabs on your credit score, you’ll be able to spot areas for improvement, notice anomalies, and make plans for your future.

 

Next, get back to the WHY for improving your credit by answering these questions:

 

  1. What are some big future purchases that will require loans? 
  2. Why are these important to me?
  3. What adjustments will I make to take these on? (Ideas on what you’re willing to pay, what cost you’ll take on, or what you’ll give up to make room for these loans.)

 

4. Identify Your Spending Habits and Triggers (Spending)

When you think about your finances, you may quickly start thinking about how much you’re spending. Having control of your money isn’t necessarily about spending less—it’s about spending smartly.

 

Smart spending is something we talk about frequently at Willow. It means how you spend is in line with what you value, as well as how much money you have and are bringing in.

 

The exercise below is an easy way to think about your spending and how it is (or isn’t) supporting your values.

 

In thinking about your spending habits, answer the following questions with Always, Sometimes, or Never:

 

Part 1

  1. I pay myself first with automated transfers to savings. (Always / Sometimes / Never)
  2. I save my bonus cash and spare change. (Always / Sometimes / Never)
  3. I regularly review my credit card statements. (Always / Sometimes / Never)
  4. I plan for big purchases. (Always / Sometimes / Never)
  5. I plan my meals and make grocery lists. (Always / Sometimes / Never)
  6. I pay bills early or on time. (Always / Sometimes / Never)
  7. I set aside “money for fun” each month. (Always / Sometimes / Never)
  8. I don’t let anyone convince me to buy things I don’t need or can’t afford. (Always / Sometimes / Never)

 

Part 2

  1. I utilize promotions that give bigger discounts the more I spend. (Always / Sometimes / Never)
  2. I spend more than I was planning to qualify for free shipping. (Always / Sometimes / Never)
  3. I spend more to get credit card rewards. (Always / Sometimes / Never)
  4. I buy something I may not need just because it’s on sale. (Always / Sometimes / Never)
  5. I grocery shop without a list or plan. (Always / Sometimes / Never)
  6. I don’t pay bills on time. (Always / Sometimes / Never)
  7. I shop for stress relief. (Always / Sometimes / Never)
  8. I spend on items I don’t really want or need because I’ve seen others make the purchase. (Always / Sometimes / Never)

 

If you answered with a lot of “Never” in Part 1, OR a lot of “Always” in Part 2, it might be time to re-evaluate some of your spending habits. Make a goal to ensure your healthy spending habits (Part 1) are more pervasive than your not-so-healthy spending habits (Part 2). 

 

Next, it’s time to think about what can trigger your spending. When you think about purchases you’ve made that you regret later on, what do you notice?

 

  • It happens before / during / after ________________________ [insert event(s)]. 
  • It happens at _________________________ [insert physical location(s)].
  • It happens when I’m feeling __________________________ [insert emotion(s)].
  • It happens when I’m with ____________________________ [insert person/people].

 

When you become aware of your spending habits and triggers, you’ll feel more in control of your spending—not the other way around—and have a better picture of where your money is going.

 

Don’t Skip Through This Stage the Next Time You’re Re-evaluating Your Finances

When you’re ready to revise your finances—whether it’s January 1 or August 14—you may be tempted to jump right into money tactics and strategies. But when you start with these crucial steps of becoming financially aware, you’ll be better set up for success. So take the time in each category of your finances to understand exactly where you’re at and why it matters to you to improve. It’ll make your plan-building, follow-through, and likelihood of completion that much stronger.

 

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Willow will provide you with information about Coaches, WITHOUT RESPECT TO COMPLETE DETERMINATION OF SUITABILITY OF SUCH COACH TO YOUR PARTICULAR NEEDS. Willow (i) does not recommend or endorse any Coach, and (ii) does not make any representations or warranties with respect to the Coaches or the quality of the services they may provide;

Willow uses reasonable efforts to ensure that Coaches have completed financial coaching education or earned related certifications and have met other criteria established by Willow. At any time, Willow may at its discretion exclude any Coach, including any Coach who, to Willow’s actual knowledge, has engaged in inappropriate or unprofessional conduct.

13. LIMITATION OF LIABILITY. YOU ACKNOWLEDGE AND AGREE THAT WE ARE ONLY WILLING TO PROVIDE ACCESS TO THE SITE AND APP AND TO PROVIDE THE SERVICES IF YOU AGREE TO CERTAIN LIMITATIONS OF OUR LIABILITY TO YOU AND TO THIRD PARTIES. YOU UNDERSTAND THAT TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL WE OR OUR OFFICERS, EMPLOYEES, DIRECTORS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, COACHES OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF REVENUES, PROFITS, GOODWILL, USE, DATA, LOST OPPORTUNITIES, OR BUSINESS INTERRUPTIONS OR OTHER INTANGIBLE LOSSES (EVEN IF SUCH PARTIES WERE ADVISED OF, KNEW OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY) ARISING OUT OF OR RELATED TO YOUR USE OF OR ACCESS TO, OR THE INABILITY TO USE OR TO ACCESS, THE SITE OR THE SERVICES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), WARRANTY, STATUTE OR OTHERWISE. IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY IN CONNECTION WITH ANY ACT OR OMISSION OF ANY USER OF THE SITE. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS SITE OR THE SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE AND THE SERVICES. SHOULD THE FOREGOING DISCLAIMER OF LIABILITY BE FOUND BY A COURT OF COMPENTENT JURISDICTION VOID, THEN OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE OR THE SERVICES IS LIMITED, IN AGGREGATE, TO ONE HUNDRED DOLLARS (U.S. $100.00). YOU FURTHER ACKNOWLEDGE THAT WE HAVE NO LIABILITY FOR ANY RELIANCE YOU PLACE ON ANY ADVICE YOU RECEIVE FROM ANY COACH OR ANY PRODUCTS OR SERVICES YOU PURCHASE AS A RESULT OF ANY RECOMMENDATION OF ANY COACH. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent that we may not, as a matter of applicable law, disclaim any implied warranty or limit liabilities, the scope and duration of such warranty and the extent of our liability will be the minimum permitted under such applicable law.

You acknowledge and agree that the availability of the App is dependent on the third party company from which you receive the App. You acknowledge that this Agreement is between you and Willow and not with the App Store. Willow, not the App Store, is solely responsible for the App, the content thereof, maintenance, support services, and warranty therefore, and addressing any claims relating thereto (e.g., product liability, legal compliance, or intellectual property infringement). Each App Store may have its own terms and conditions to which you must agree before downloading the App. You agree to comply with all applicable agreements, terms and conditions of use or service, and other policies of the applicable App Store (“Usage Rules”). To the extent this Agreement provides for usage rules for the App that are less restrictive than the Usage Rules, the more restrictive or conflicting term applies. The license granted to you for the App is limited to a non-transferable license to use the App on a device that you own or control and as permitted by the Usage Rules. You agree to pay all fees charged by the App Store in connection with the App. You agree that the App Store provider (and its subsidiaries) is a third party beneficiary of this Agreement and will have the right to enforce this Agreement. You are solely responsible for providing and paying for the costs for any mobile device and any mobile voice, data and/or other service plans used in connection with the App.

Without limiting the foregoing, under no circumstances will we or our licensors be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond our reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, OR non-performance of third parties.

14. INDEMNIFICATION. You agree to indemnify, defend and hold harmless Willow, our parents, subsidiaries, affiliates, officers, directors, co-branders and other partners, employees, consultants and agents and Coaches, from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) that such parties may incur as a result of or arising from: (i) your use of the Content, Site, or Services; (ii) your violation of the Agreement, (iii) your violation of any rights of any other person or entity; or (iv) any viruses, Trojan horses, worms, time bombs, cancelbots or other similar harmful or deleterious programming routines input by you into the Site, Apps, or Services.

15. THIRD PARTY CONTENT AND OTHER WEBSITES. Content from advertisers and other third parties may be made available to you through the Site, App, and/or the Services. Because we do not control such content, you agree that we are not responsible for any such content. We do not make any guarantees about the accuracy, currency, suitability, or quality of the information in such content, and we assume no responsibility for unintended, objectionable, inaccurate, misleading, or unlawful content made available by other users, advertisers, and other third parties or violation of any third party rights related to such content. The Site, Apps, and Services may contain links to websites not operated by us. We are not responsible for the content, products, materials, or practices (including privacy practices) of such websites. You understand that by using the Site and/or Services you may be exposed to third-party websites that you find offensive, indecent or otherwise objectionable. We make no warranty, representation, endorsement, or guarantee regarding, and accept no responsibility for, the quality, content, nature or reliability of third party websites, products or services accessible by hyperlink or otherwise from the Site, Apps, or Services. We provide these links for your convenience only and we do not control such websites. Our inclusion of links to such websites does not imply any endorsement of the materials on such third party websites or any association with their operators. The Site, Apps, and Services may contain links to websites that are operated by us but which operate under different terms of service. It is your responsibility to review the privacy policies and Terms of Service of any other website you visit. You agree that in no event will we be liable to you in connection with any websites, content, products, materials, or practices of any third party.

16. ELECTRONIC COMMUNICATIONS. We can only give you the benefits of our service by conducting business through the Internet, and therefore we need you to consent to our giving you Communications electronically. For contractual purposes, you: (i) consent to receive Communications from us in an electronic form via SMS and email; and (ii) agree that all terms and conditions, agreements, notices, documents, disclosures, and other communications (‘Communications’) that we provide to you electronically satisfy any legal requirement that such Communications would satisfy if it were in a writing. Your consent to receive Communications and do business electronically, and our agreement to do so, applies to all of your interactions and transactions with us. The foregoing does not affect your non-waivable rights. You may also receive a copy of the Agreement by accessing this Site or the App. You may withdraw your consent to receive Communications electronically by contacting us in the manner described below. If you withdraw your consent, from that time forward, you must stop using the Site, Apps, and Services. The withdrawal of your consent will not affect the legal validity and enforceability of any obligations or any electronic Communications provided or business transacted between us prior to the time you withdraw your consent. Please keep us informed of any changes in your email, phone service provider or mailing address so that you continue to receive all Communications without interruption.

17. COPYRIGHT VIOLATIONS. We respect the intellectual property of others, and we ask You to do the same. If You believe that Your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the following information:

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • A description of the copyrighted work that You claim has been infringed;
  • A description of where the material that You claim is infringing is located on the Site, Apps, or Services;
  • Your address, telephone number, and email address;
  • A statement by You that You have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  • A statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright owner or are authorized to act on the copyright owner’s behalf.

Our copyright agent for notice of claims of copyright infringement on the Site or the Services can be reached by mail at: Legal at Willow Network, Inc, 224 Causeway St, 6th Floor, Boston, MA 02114 by email at legal@staging8.trustwillow.com.

18. DISPUTE RESOLUTION. Except for a claim by Willow of infringement or misappropriation of Willow’s patent, copyright, trademark, or trade secret, any and all disputes between you and Willow arising under or related in any way to these Terms must be resolved through binding arbitration as described in this section. This agreement to arbitrate is intended to be interpreted broadly. It includes, but is not limited to, all claims and disputes relating to your use of the Site, App, or Services.

YOU AGREE THAT BY ENTERING INTO THIS AGREEMENT, YOU AND WILLOW ARE EACH WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WILLOW AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.

(a) Any and all controversies, disputes, demands, counts, claims, or causes of action (including the interpretation and scope of this clause, and the arbitrability of the controversy, dispute, demand, count, claim, or cause of action) between you and us and our employees, agents, successors, or assigns, regarding or relating to these the Services or these Terms, shall exclusively be settled through binding and confidential arbitration. All disputes and final arbitration to be held in Boston, Massachusetts in the English language and be governed by Massachusetts law.

(b) Arbitration shall be subject to the Federal Arbitration Act and not any state arbitration law. The arbitration shall be conducted before one commercial arbitrator with substantial experience in resolving commercial contract disputes from the American Arbitration Association (“AAA”) or JAMS. As modified by these Terms, and unless otherwise agreed upon by the parties in writing, the arbitration will be governed by the AAA’s or JAMS’s rules for commercial arbitration and, if the arbitrator deems them applicable, the procedures for consumer-related disputes.

(c) You are thus giving up your right to go to court to assert or defend your rights except for matters that may be taken to small claims court. your rights will be determined by a neutral arbitrator and not a judge or jury. You are entitled to a fair hearing, but the arbitration procedures are simpler and more limited than rules applicable in court. Arbitrator decisions are as enforceable as any court order and are subject to very limited review by a court.

(d) You and we must abide by the following rules: (1) any claims brought by you or us must be brought in the parties’ individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding; (2) the arbitrator may not consolidate more than one person’s claims, may not otherwise preside over any form of a representative or class proceeding, and may not award class-wide relief, (3) in the event that you are able to demonstrate that the costs of arbitration will be prohibitive as compared to costs of litigation, we will pay as much of your filing and hearing fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive as compared to the cost of litigation, (4) we also reserve the right in our sole and exclusive discretion to assume responsibility for all of the costs of the arbitration; (5) the arbitrator shall honor claims of privilege and privacy recognized at law; (6) the arbitrator’s award shall be final and may be enforced in any court of competent jurisdiction; (7) the arbitrator may award any individual relief or individual remedies that are permitted by applicable law; and (8) each side pays its own attorneys’ fees and expenses unless there is a statutory provision that requires the prevailing party to be paid its fees’ and litigation expenses, and then in such instance, the fees and costs awarded shall be determined by the applicable law.

(e) Notwithstanding the foregoing, either you or we may bring an individual action in small claims court. Further, claims of infringement or misappropriation of the other party’s patent, copyright, trademark, or trade secret shall not be subject to this arbitration agreement. Such claims shall be exclusively brought in the state or federal courts located in Boston, Massachusetts. Additionally, notwithstanding these Terms to arbitrate, either party may seek emergency equitable relief before the state or federal courts located in Boston, Massachusetts in order to maintain the status quo pending arbitration, and hereby agree to submit to the exclusive personal jurisdiction of the courts located within Boston, Massachusetts for such purpose. A request for interim measures shall not be deemed a waiver of the right to arbitrate.

(f) With the exception of subparts (1) and (2) in the paragraph 18(d) above (prohibiting arbitration on a class or collective basis), if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, or otherwise conflicts with the Agreement, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, illegal or conflicting provision were not contained herein. If, however, either subparts (1) and (2) in the paragraph 18(d) (prohibiting arbitration on a class or collective basis) is found to be invalid, unenforceable or illegal, then the entirety of this arbitration provision shall be null and void, and neither you nor we shall be entitled to arbitration. If for any reason a claim proceeds in court rather than in arbitration, the dispute shall be exclusively brought in state or federal court in Boston, Massachusetts.

(g) Notwithstanding any provision in these Terms to the contrary, if we seek to terminate the Dispute Resolution section as included in the Agreement, any such termination shall not be effective until 30 days after the version of the Agreement not containing the agreement to arbitrate is posted to the Site or Mobile App, and shall not be effective as to any claim of which you provided us with written notice prior to the date of termination. For more information on AAA, its Rules and Procedures, and how to file an arbitration claim, you may call AAA at 800-778-7879 or visit the AAA website at http://www.adr.org. For more information on JAMS, it’s Rules and Procedures, and how to file an arbitration claim, you may call JAMS at 800-352-5267 or visit the JAMS website at http://www.jamsadr.com.

19. GENERAL TERMS. You are responsible for compliance with all applicable laws. The Terms of Service and the relationship between you and Willow will be governed by the laws of the Commonwealth of Massachusetts, without giving effect to any choice of laws principles that would require the application of the laws of a different country or state. Any legal action, suit or proceeding arising out of or relating to the Terms of Service, or your use of the Site, Apps, or Services must be instituted exclusively in the federal or state courts located in Boston, Massachusetts and in no other jurisdiction. You further consent to exclusive personal jurisdiction and venue in, and agree to service of process issued or authorized by, any such court. The Agreement are personal to you, and you may not transfer, assign or delegate your right and/or duties under the Agreement to anyone else and any attempted assignment or delegation is void. You acknowledge that we have the right hereunder to seek an injunction, if necessary, to stop or prevent a breach of your obligations hereunder. The paragraph headings in the Agreement, shown in boldface type, are included only to help make the Agreement easier to read and have no binding effect. Any delay or failure by us to exercise or enforce any right or provision of the Agreement will not constitute a waiver of such right or provision. No waiver by us will have effect unless such waiver is set forth in writing, signed by us; nor will any such waiver of any breach or default constitute a waiver of any subsequent breach or default. The Agreement constitute the complete and exclusive agreement between you and us with respect to the subject matter hereof, and supersedes all prior oral or written understandings, communications or agreements. If for any reason a court of competent jurisdiction finds any provision of the Agreement, or portion thereof, to be unenforceable, that provision of the Terms of Service will be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remainder of the Agreement will continue in full force and effect.

20. SURVIVAL. Sections 1, 2, 4, 5, 9, and 11 through 21, as well as any other limitations on liability explicitly set forth herein and our proprietary rights in and to the Site, Content, Our Technology and the Services, will survive the expiration or termination of the Agreement for any reason.

21. NOTICE; VIOLATIONS. We may give notice to you by email, a posting on the Site, or other reasonable means. You must give notice to us in writing via email to legal@staging8.trustwillow.com or as otherwise expressly provided. Please report any violations of the Agreement to legal@staging8.trustwillow.com.

23. ACKNOWLEDGEMENT. Willow and you acknowledge that this Agreement is concluded between Willow and you only, and not with Apple, Inc., or Google, Inc. Willow, not Apple or Google, is solely responsible for App and the content thereof. To the extent this Agreement provides for usage rules that are less restrictive than or otherwise is in conflict with the usage rules provided by the applicable App Store, the more restrictive term applies.

24. MAINTENANCE AND SUPPORT. Willow is solely responsible for providing any maintenance and support services with respect to App, as specified in this Agreement (if any), or as required under applicable law. Willow and you acknowledge that neither Google nor Apple have no obligation whatsoever to furnish any maintenance and support services with respect to App.

25. WARRANTY. Willow is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for App to you; and to the maximum extent permitted by applicable law, neither Apple nor Google will have any other warranty obligation whatsoever with respect to App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Willow’s sole responsibility.

26. PRODUCT CLAIMS. Willow and you acknowledge that Willow, not Apple or Google, is responsible for addressing any claims of you or any third party relating to App or your possession and/or use of App, including, but not limited to: (a) product liability claims; (b) any claim that App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation. This Agreement does not limit Willow’s liability to you beyond what is permitted by applicable law. You acknowledge and agree that the applicable Partner and not Willow, is responsible for addressing any claims of you or any third party relating to any Partner Content, including, but not limited to: (a) product liability claims; (b) any claim that App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection or similar legislation.

27. INTELLECTUAL PROPERTY RIGHTS. Willow and you each acknowledge that, in the event of any third party claim that App or your possession and use of App infringes that third party’s intellectual property rights, Willow, not Apple or Google, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim. You acknowledge that, in the event of any third party claim that any Partner Content or your possession and use of any Partner Content infringes that third party’s intellectual property rights, privacy, rights, publicity rights, or is otherwise fraudulent deceptive, or unfair, the applicable partner, and not Willow, will be solely responsible for the investigation, defense, settlement and discharge of any such complaint or claim.

 

 

Privacy Policy

 

WILLOW NETWORK, INC (‘Company’) is committed to protecting your privacy. We have prepared this Privacy Policy to describe to you our practices regarding the Personal Data (as defined below) we collect from users of our website, located at www.TrustWillow.com (the ‘Site’) and related services (collectively, ‘Services’).

1. USER CONSENT. By submitting Personal Data through our website, Products, or related services, you agree to the terms of this Privacy Policy and you expressly consent to the processing of your Personal Data in accordance with this Privacy Policy.

2. A NOTE ABOUT CHILDREN. We do not intentionally gather Personal Data about visitors who are under the age of 13.

3. A NOTE TO USERS OUTSIDE OF THE UNITED STATES. Your Personal Data may be processed in the country in which it was collected and in other countries, including the United States, where laws regarding processing of Personal Data may be less stringent than the laws in your country. BY USING OUR SITE OR SUBMITTING PERSONAL DATA THROUGH OUR SITE OR SERVICES, YOU EXPRESSLY CONSENT TO THE PROCESSING OF YOUR PERSONAL DATA ACCORDING TO THIS PRIVACY POLICY.

4. TYPES OF DATA WE COLLECT. Company collects Personal Data and Anonymous Data from you when you visit our site, when you send us or our Coaches information or communications, and/or when you download and use our Products. ‘Personal Data’ means data that allows someone to identify or contact you, including, for example, your name, address, telephone number, e-mail address, as well as any other non-public information about you that is associated with or linked to any of the foregoing data. ‘Anonymous Data’ means data that is not associated with or linked to your Personal Data. Anonymous Data does not permit the identification of individual persons. We collect Personal Data and Anonymous Data, as described below.

Personal Data You Provide to Us. We collect Personal Data from you, such as your email address when you provide it voluntarily on the Site. If you provide us feedback or contact us via e-mail (e.g., in response to an employment opportunity posted on our website), we will collect your name and e-mail address, as well as any other content included in the e-mail, in order to send you a reply, and any information that you submit to us, such as a resume. When you participate in one of our surveys, we may collect additional profile information. When you post messages on the message boards of our website, the information contained in your posting will be stored on our servers and other users will be able to see it. We also collect other types of Personal Data that you provide to us voluntarily, such as your Twitter name or Facebook profile. We may also collect Personal Data, such as demographic information from you via the Products or at other points in our website that state that Personal Data is being collected.

Personal Data Collected via Technology. To make our Site, products, and related services more useful to you, our servers (which may be hosted by a third party service provider) collect Personal Data from you, including your IP address or HTTP referrer. We also use Cookies (as defined below) and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and which you viewed. Like most Internet services, we automatically gather this Personal Data and store it in log files each time you visit our website or access your account on our network. ‘Cookies’ are small pieces of information that a website sends to your computer’s hard drive while you are viewing a web site. We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience on our website. Persistent Cookies can be removed by following Internet browser help file directions. If you choose to disable Cookies, some areas of our website may not work properly. We have also enabled Google Analytics features, including Demographics and Interest Reporting to gather demographic information provided by these features. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads by changing your Google Ads Settings.

Recordings. By using our Services you consent to the audio or video recording of conversations between your Coach and yourself and the use of such recordings and any data relating thereto by Willow in order to improve the services and products offered by Willow. Any data from such recordings shall only be used in to improve our Services as described in the section titled “Creation of Anonymized Data” below.

Willow is a member of the Digital Advertising Alliance (DAA) self-regulatory program and adheres to the DAA self-regulatory Principles for Online Behavioral Advertising. We work with a variety of advertisers, ad networks and analytics companies (“Ad Partners”) that collect information about your use of our services. You can opt out of the use of interest-based advertising at any time by visiting the Digital Advertising Alliance consumer choice page.

Our Relationship with Social Networking Sites. We have created, and may offer You, interfaces that allow You to connect with social networking websites such as Facebook and Twitter (‘SN Sites’) through our Site. We will work with the SN Site’s application protocol interface (better known as their developer API) in a way that allows You to authorize us to access Your account on that SN Site on Your behalf. In order to provide this authorization, You will not provide us with Your user name or password to the SN Site, but You will need to log-in to that SN Site directly through our Site. Once authorized by You, the SN Site will provide us a token that allows the SN Site to recognize us when we ask, on Your behalf, for access to Your account information or to post information. You will be able to revoke our access to any SN Site at any time by amending the appropriate settings from within Your account settings on the applicable SN Site, though such revocation may limit the Services we are able to provide You.

5. USE OF YOUR DATA.

General Use. In general, Personal Data you submit to us is used either to respond to requests that you make, or to aid us in serving you better. Company uses your Personal Data in the following ways:

  • Provide you with the Services and customer support;
  • Respond to your requests, resolve disputes and/or troubleshoot problems;
  • Verify your compliance with your obligations in our Terms of Use or other policies;
  • Improve the quality of the Site and the Services;
  • Communicate with you about the Site and the Services;
  • Market our products and services (and those of third parties) to You that we believe may be of interest to You. If you prefer that we do not send you these messages, please see the section below on YOUR CHOICES REGARDING YOUR PERSONAL DATA to learn how to opt-out.

Creation of Anonymous Data. We may create Anonymous Data records from Personal Data by excluding information (such as your name) that make the data personally identifiable to you. We use this Anonymous Data to analyze request and usage patterns so that we may enhance the content of our products and services and improve site navigation. Company reserves the right to use and disclose Anonymous Data to Third Party Companies in its discretion. [a]

6. DISCLOSURE OF YOUR PERSONAL DATA.

Affiliates. We may share some or all of your Personal Data with any parent company, any subsidiaries, joint ventures, or other companies under a common control (collectively, ‘Affiliates’), in which case we will require our Affiliates to honor this Privacy Policy. If another company acquires Company or our assets, that company will possess the Personal Data collected by it and us and will assume the rights and obligations regarding your Personal Data as described in this Privacy Policy.

Other Disclosures. Regardless of any choices you make regarding your Personal Data (as described below), Company may disclose Personal Data if it believes in good faith that such disclosure is necessary to: (a) comply with relevant laws or to respond to subpoenas or warrants served on Company; or (b) protect or defend the rights or property of Company or users of the Products or related services.

7. THIRD PARTIES.

Personal and/or Anonymous Data Collected by Third Parties. We may receive Personal and/or Anonymous Data about you from other sources like telephone or fax, or from companies that provide our products or services by way of a co-branded or private-labeled website or companies that offer their products and/or services on our website (‘Third Party Companies’). Our Third Party Companies may supply us with Personal Data, such as your email address, in order to help us establish the account. We may add this information to the information we have already collected from you via our website in order to improve the products and services we provide.

Our provision of a link to any other website or location, such as the payment processing websites, is for your convenience and does not signify our endorsement of such other website or location or its contents. When you click on such a link, you will leave our site and go to another site. During this process, another entity may collect Personal Data or Anonymous Data from you.

We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites or content, or to any collection of data after you click on links to such outside websites.

Disclosure to Third Party Service Providers. Except as otherwise stated in this policy, we do not generally sell, trade, share, or rent the Personal Data collected from our services to other entities. However, we may share your Personal Data with third party service providers to facilitate creation of accounts or to provide services to us that enable us to make the Site or Services available to you or to our Coaches to provide a service to you. You expressly consent to the sharing of your Personal Data with our contractors and other service providers for the sole purpose of providing services to you.

Disclosure to Third Party Companies. We may enter into agreements with Third Party Companies. A Third Party Company may want access to Personal Data that we collect from its customers. As a result, we may disclose your Personal Data to a Third Party Company. The privacy policies of our Third Party Companies may apply to the use and disclosure of your Personal Data that we collect and disclose to such Third Party Companies. Because we do not control the privacy practices of our Third Party Companies, you should read and understand their privacy policies.

NOTICE TO CALIFORNIA RESIDENTS – YOUR CALIFORNIA PRIVACY RIGHTS (AS PROVIDED BY CALIFORNIA CIVIL CODE SECTION 1798.83).

A CALIFORNIA RESIDENT WHO HAS PROVIDED PERSONAL DATA TO A BUSINESS WITH WHOM HE/SHE HAS ESTABLISHED A BUSINESS RELATIONSHIP FOR PERSONAL, FAMILY, OR HOUSEHOLD PURPOSES (A ‘CALIFORNIA CUSTOMER’), MAY REQUEST INFORMATION ABOUT WHETHER THE BUSINESS HAS DISCLOSED PERSONAL INFORMATION TO ANY THIRD PARTIES FOR THE THIRD PARTIES’ DIRECT MARKETING PURPOSES. IN GENERAL, IF THE BUSINESS HAS MADE SUCH A DISCLOSURE OF PERSONAL DATA, UPON RECEIPT OF A REQUEST BY A CALIFORNIA CUSTOMER, THE BUSINESS IS REQUIRED TO PROVIDE A LIST OF ALL THIRD PARTIES TO WHOM PERSONAL DATA WAS DISCLOSED IN THE PRECEDING CALENDAR YEAR, AS WELL AS A LIST OF THE CATEGORIES OF PERSONAL DATA THAT WERE DISCLOSED. CALIFORNIA CUSTOMERS MAY REQUEST FURTHER INFORMATION ABOUT OUR COMPLIANCE WITH THIS LAW BY E-MAILING LACY@TRUSTWILLOW.COM. PLEASE NOTE THAT WE ARE REQUIRED TO RESPOND TO ONE REQUEST PER CALIFORNIA CUSTOMER EACH YEAR, AND WE ARE NOT REQUIRED TO RESPOND TO REQUESTS MADE BY MEANS OTHER THAN THROUGH THIS E-MAIL ADDRESS. 

8. YOUR CHOICES REGARDING YOUR PERSONAL DATA.

Choices. We offer you choices regarding the collection, use, and sharing of your Personal Data. We will periodically send you free newsletters and e-mails that directly promote the use of our site or the purchase of our products or services and may contain advertisements for Third Party Companies. When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to ‘opt-out’ by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly (please see contact information below). Should you decide to opt- out of receiving future mailings, we may share your e-mail address with third parties to ensure that you do not receive further communications from third parties. Despite your indicated e-mail preferences, we may send you notices of any updates to our Terms of Use or Privacy Policy.

Changes to Personal Data. You may request deletion of your Personal Data by us, but please note that we may be required (by law or otherwise) to keep this information and not delete it (or to keep this information for a certain time, in which case we will comply with your deletion request only after we have fulfilled such requirements). When we delete any information, it will be deleted from the active database, but may remain in our archives.

9. SECURITY OF YOUR PERSONAL DATA. Company is committed to protecting the security of your Personal Data. We use a variety of industry-standard security technologies and procedures to help protect your Personal Data from unauthorized access, use, or disclosure. Despite these measures, you should know that Company cannot fully eliminate security risks associated with Personal Data and mistakes may happen.

10. CONTACT INFORMATION. Company welcomes your comments or questions regarding this Privacy Policy. Please e-mail us at lacy@staging8.trustwillow.com or contact us at the following address or phone number:

Willow Network, Inc

Attn: Lacy Garcia

226 Causeway Street, 6th Floor, Boston, MA 02114, USA

11. DISPUTE RESOLUTION. If you believe that Company has not adhered to this Statement, please contact Company by email at lacy@staging8.trustwillow.com. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation.

12. CHANGES TO THIS PRIVACY POLICY. This Privacy Policy is subject to occasional revision, and if we make any material changes in the way we use your Personal Data, we will notify you by sending you an e-mail to the last e-mail address you provided to us and/or by prominently posting notice of the changes on our website. Any material changes to this Privacy Policy will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you or thirty (30) calendar days following our posting of notice of the changes on our site. These changes will be effective immediately for new users of our website or related services. Please note that at all times you are responsible for updating your Personal Data to provide us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. In any event, changes to this Privacy Policy may affect our use of Personal Data that you provided us prior to our notification to you of the changes. If you do not wish to permit changes in our use of your Personal Data, you must notify us prior to the effective date of the changes that you wish to deactivate your account with us. Continued use of our website or related services, following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

This Privacy Policy was last updated on April 17, 2020.

[a] This is addressed more fully in the TOS.