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Nov16BlogHeader

Getting Beyond the Excuse NOT to Buy

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The Situation

Dana sells insurance for a reputable company. Many of her customers are young adults, such as Pierce, who is getting married soon. This would be his first life insurance policy. Dana has talked with him about his plans for the future. Now, she has prepared a copy of her recommended policy and is explaining it to him. Wrapping up, Dana asks for his business:

Pierce: It, uh, sounds good.
Dana: Great. Shall we go ahead, then, and set up this policy?
Pierce: Well . . . I can’t really do it today. For financial decisions that are this important, I need for my older brother to look it over first.
Dana: That’s not a bad idea. What if we called him now? I can have an electronic version sent in a couple of minutes.
Pierce: Oh, well . . . see, he’s in banking. He’s very busy. He wouldn’t be available now.
Dana: Okay. Can we set up a meeting with him? You don’t want to put off your coverage.
Pierce: No need for that. I’ll talk to him.
Dana: If that’s the case, I want to make sure you have all the information you need to be able to answer his questions.
Pierce: Oh, I understand it very well.
Dana: Then why does your brother need to be involved? Pierce, you’re an adult. Does your brother make all your decisions for you?
Pierce: No, not at all. Look, I’ve got everything I need. I’ll give you a call.

Losing the Commitment

Dana has hit a snag in closing, and her response does not accomplish anything — other than lowering Pierce’s receptivity and readiness to act. What Q4 collaborative sales techniques would help her deal with Pierce’s roadblock?

Compare your thoughts with the Q4 Answer

Why Prospects Object

Does Pierce really consult with his brother before making financial decisions? Or is he getting cold feet? Whichever it is, Pierce is stating an objection to buying — in this case, a subjective one. It’s based on an emotional component of how he feels. If bringing up his brother was just an excuse to put off buying, it falls in the category of “I’ll have to think about it” or “I’ll get back to you on this.” Subjective objections can all be reduced to “I don’t feel confident enough to buy right now.”

 

But Pierce may be masking a stronger, real objection, which he’s reluctant to state. For instance, if he thinks the premiums are too high or another company’s plan sounds better, why not just say it?

 

Prospects whose typical behavior is Q2 reluctance or Q3 overly agreeable may find it difficult to directly disagree. It could lead to a dispute they don’t want to have. So, they make an excuse.

 

It would help Dana to try to surface an objective disagreement — something that deals in facts and can be measured and discussed, such as premiums or a better quote from another company.

 

How to Handle It?

Up to a point, Dana was being Q4 involving, but her frustration led to a belittling Q1 remark about Pierce.

 

Instead of overreacting, Dana should use Q4 probing skills to learn what’s really on Pierce’s mind. If Pierce’s real objection is simple fear about making a big decision — a feeling he doesn’t want to reveal — Dana may have to go more slowly and review the plan in even more detail to make him feel more confident. It may require more objective proof that this policy and Dana’s company are trustworthy.

 

If Pierce’s hidden opinion is that the premiums are too high, then Dana has to probe this reluctance to say so. A Q4 approach could mean Dana bringing up the possible objections for the prospect. “Pierce, if you have any concern about the cost, I’d like to hear it.” His answer will be much easier to manage than the vague, “I’ll have to think about it.” She will probably be able to work out a solution with a substitute policy.

 

Probe and Listen

To effectively manage an objection, probe in detail, then listen for clues that reveal whether the stated objection seems genuine. If further probing reveals what the customer really thinks, you can try to solve this real objection without being confrontational.

 

What if Pierce really does consult with his brother on every big decision? Dana may have to live with that, but not after doing some tactful probing to determine if Pierce has some unstated doubts.

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8000 Maryland Avenue
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Privacy Policy

Privacy Policy of q4solutions.com

Q4solutions.com collects some Personal Data from its Users.

This document can be printed for reference by using the print command in the settings of any browser.

Policy Summary

Personal Data collected for the following purposes and using the following services:
  • Advertising

Facebook Audience Network
Personal Data: Cookies; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); Usage Data

  • Analytics

User ID extension for Google Analytics
Personal Data: Cookies

Google Analytics with anonymized IP, Google Analytics, Google Ads conversion tracking, Display Advertising extension for Google Analytics, Facebook Ads conversion tracking (Facebook pixel), Twitter Ads conversion tracking, LinkedIn conversion tracking and HubSpot Analytics
Personal Data: Cookies; Usage Data

  • Contacting the User

Mailing list or newsletter
Personal Data: address; city; company name; Cookies; country; date of birth; email address; first name; gender; last name; phone number; province; state; website; ZIP/Postal code

Phone contact
Personal Data: phone number

Contact form
Personal Data: address; city; company name; country; date of birth; email address; first name; gender; last name; phone number; profession; province; state; various types of Data; website; ZIP/Postal code

  • Displaying content from external platforms

Google Site Search, Google Maps widget, Instagram widget, Vimeo video, Wistia widget and YouTube video widget
Personal Data: Cookies; Usage Data

Google Fonts and Adobe Fonts
Personal Data: Usage Data; various types of Data as specified in the privacy policy of the service

Gravatar
Personal Data: email address; Usage Data

  • Handling payments

Stripe
Personal Data: various types of Data as specified in the privacy policy of the service

  • Heat mapping and session recording

Hotjar Heat Maps & Recordings
Personal Data: Cookies; Usage Data; various types of Data as specified in the privacy policy of the service

Crazy Egg
Personal Data: Cookies; Usage Data

  • Hosting and backend infrastructure

iubenda Consent Solution
Personal Data: Data communicated while using the service

Amazon Web Services (AWS)
Personal Data: various types of Data as specified in the privacy policy of the service

  • Interaction with external social networks and platforms

LinkedIn button and social widgets, Facebook Like button and social widgets, Twitter Tweet button and social widgets and ShareThis
Personal Data: Cookies; Usage Data

YouTube button and social widgets
Personal Data: Usage Data

  • Location-based interactions
Geolocation Personal Data: geographic position
  • Managing contacts and sending messages

HubSpot Email
Personal Data: email address; Usage Data

ZOHO Campaigns
Personal Data: email address

Mailchimp
Personal Data: address; company name; Cookies; country; date of birth; email address; first name; gender; last name; phone number

  • Managing landing and invitation pages

Instapage
Personal Data: Cookies; email address; Usage Data

  • Managing support and contact requests

ZOHO CRM Email
Personal Data: various types of Data as specified in the privacy policy of the service

  • Remarketing and behavioral targeting

AdRoll, Remarketing with Google Analytics, Facebook Remarketing, Twitter Remarketing, LinkedIn Website Retargeting and Google Ads Remarketing
Personal Data: Cookies; Usage Data

Facebook Custom Audience and Twitter Tailored Audiences
Personal Data: Cookies; email address

  • SPAM protection

Akismet
Personal Data: various types of Data as specified in the privacy policy of the service

  • Tag Management

Google Tag Manager
Personal Data: Usage Data

  • User database management

HubSpot CRM
Personal Data: email address; phone number; various types of Data as specified in the privacy policy of the service

HubSpot Lead Management
Personal Data: various types of Data as specified in the privacy policy of the service

ZOHO CRM
Personal Data: email address; various types of Data as specified in the privacy policy of the service

Contact information

  • Owner and Data Controller

Psychological Associates
8000 Maryland Avenue
Suite 1525
St. Louis, Missouri 63105

Owner contact email: digital@gobrandgo.com

Full Policy

Owner and Data Controller

Psychological Associates
8000 Maryland Avenue
Suite 1525
St. Louis, Missouri 63105

Owner contact email: digital@gobrandgo.com

Types of Data Collected

Among the types of Personal Data that q4solutions.com collects, by itself or through third parties, there are: Cookies; Usage Data; email address; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); phone number; first name; last name; gender; date of birth; address; company name; country; province; state; ZIP/Postal code; city; website; profession; various types of Data; Data communicated while using the service; geographic position.

Complete details on each type of Personal Data collected are provided in the dedicated sections of this privacy policy or by specific explanation texts displayed prior to the Data collection.
Personal Data may be freely provided by the User, or, in case of Usage Data, collected automatically when using q4solutions.com.
Unless specified otherwise, all Data requested by q4solutions.com is mandatory and failure to provide this Data may make it impossible for q4solutions.com to provide its services. In cases where q4solutions.com specifically states that some Data is not mandatory, Users are free not to communicate this Data without consequences to the availability or the functioning of the Service.
Users who are uncertain about which Personal Data is mandatory are welcome to contact the Owner.
Any use of Cookies – or of other tracking tools – by q4solutions.com or by the owners of third-party services used by q4solutions.com serves the purpose of providing the Service required by the User, in addition to any other purposes described in the present document and in the Cookie Policy, if available.

Users are responsible for any third-party Personal Data obtained, published or shared through q4solutions.com and confirm that they have the third party’s consent to provide the Data to the Owner.

Mode and place of processing the Data

Methods of processing

The Owner takes appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data.
The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Owner, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of q4solutions.com (administration, sales, marketing, legal, system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Owner at any time.

Legal basis of processing

The Owner may process Personal Data relating to Users if one of the following applies:

  • Users have given their consent for one or more specific purposes. Note: Under some legislations the Owner may be allowed to process Personal Data until the User objects to such processing (“opt-out”), without having to rely on consent or any other of the following legal bases. This, however, does not apply, whenever the processing of Personal Data is subject to European data protection law;

  • provision of Data is necessary for the performance of an agreement with the User and/or for any pre-contractual obligations thereof;

  • processing is necessary for compliance with a legal obligation to which the Owner is subject;

  • processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Owner;

  • processing is necessary for the purposes of the legitimate interests pursued by the Owner or by a third party.

In any case, the Owner will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Place

The Data is processed at the Owner’s operating offices and in any other places where the parties involved in the processing are located.

Depending on the User’s location, data transfers may involve transferring the User’s Data to a country other than their own. To find out more about the place of processing of such transferred Data, Users can check the section containing details about the processing of Personal Data.

Users are also entitled to learn about the legal basis of Data transfers to a country outside the European Union or to any international organization governed by public international law or set up by two or more countries, such as the UN, and about the security measures taken by the Owner to safeguard their Data.

If any such transfer takes place, Users can find out more by checking the relevant sections of this document or inquire with the Owner using the information provided in the contact section.

Retention time

Personal Data shall be processed and stored for as long as required by the purpose they have been collected for.

Therefore:

  • Personal Data collected for purposes related to the performance of a contract between the Owner and the User shall be retained until such contract has been fully performed.

  • Personal Data collected for the purposes of the Owner’s legitimate interests shall be retained as long as needed to fulfill such purposes. Users may find specific information regarding the legitimate interests pursued by the Owner within the relevant sections of this document or by contacting the Owner.

The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, the Owner may be obliged to retain Personal Data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

Once the retention period expires, Personal Data shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after expiration of the retention period.

The purposes of processing

The Data concerning the User is collected to allow the Owner to provide its Service, comply with its legal obligations, respond to enforcement requests, protect its rights and interests (or those of its Users or third parties), detect any malicious or fraudulent activity, as well as the following: Remarketing and behavioral targeting, Tag Management, Displaying content from external platforms, Analytics, Advertising, Interaction with external social networks and platforms, User database management, Managing contacts and sending messages, Managing support and contact requests, Contacting the User, Heat mapping and session recording, Hosting and backend infrastructure, Handling payments, SPAM protection, Location-based interactions and Managing landing and invitation pages.

For specific information about the Personal Data used for each purpose, the User may refer to the section “Detailed information on the processing of Personal Data”.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

  • Advertising

This type of service allows User Data to be utilized for advertising communication purposes displayed in the form of banners and other advertisements on q4solutions.com, possibly based on User interests.
This does not mean that all Personal Data are used for this purpose. Information and conditions of use are shown below.
Some of the services listed below may use Cookies to identify Users or they may use the behavioral retargeting technique, i.e. displaying ads tailored to the User’s interests and behavior, including those detected outside q4solutions.com. For more information, please check the privacy policies of the relevant services.
In addition to any opt out offered by any of the services below, the User may opt out of a third-party service’s use of cookies by visiting the Network Advertising Initiative opt-out page.

Facebook Audience Network (Facebook, Inc.)

Facebook Audience Network is an advertising service provided by Facebook, Inc. In order to understand Facebook’s use of Data, consult Facebook’s data policy. Q4solutions.com may use identifiers for mobile devices (including Android Advertising ID or Advertising Identifier for iOS, respectively) and technologies similar to cookies to run the Facebook Audience Network service. One of the ways Audience Network shows ads is by using the User’s ad preferences. The User can control this in the Facebook ad settings. Users may opt-out of certain Audience Network targeting through applicable device settings, such as the device advertising settings for mobile phones or by following the instructions in other Audience Network related sections of this privacy policy, if available.

Personal Data processed: Cookies; unique device identifiers for advertising (Google Advertiser ID or IDFA, for example); Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

  • Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

User ID extension for Google Analytics (Google Inc.)

Google Analytics on q4solutions.com makes use of a feature called User ID. This setup allows for a more accurate tracking of Users by associating that User with the same ID over various sessions and devices. It is set up in a way that doesn’t allow Google to personally identify an individual or permanently identify a particular device.
The User ID extension might make it possible to connect Data from Google Analytics with other Data about the User collected by q4solutions.com.
The opt-out link below will only opt you out for the device you are on, but not from tracking performed independently by the Owner. Contact the Owner via the email address provided in this privacy policy to object to the aforementioned tracking as well.

Personal Data processed: Cookies.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Google Analytics with anonymized IP (Google Inc.)

Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of q4solutions.com, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
This integration of Google Analytics anonymizes your IP address. It works by shortening Users’ IP addresses within member states of the European Union or in other contracting states to the Agreement on the European Economic Area. Only in exceptional cases will the complete IP address be sent to a Google server and shortened within the US.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Google Analytics (Google Inc.)

Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of q4solutions.com, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Google Ads conversion tracking (Google Inc.)

Google Ads conversion tracking is an analytics service provided by Google Inc. that connects data from the Google Ads advertising network with actions performed on q4solutions.com.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Display Advertising extension for Google Analytics (Google Inc.)

Google Analytics on q4solutions.com might use Google’s Interest-based advertising, 3rd-party audience data and information from the DoubleClick Cookie to extend analytics with demographics, interests and ads interaction data.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Facebook Ads conversion tracking (Facebook pixel) (Facebook, Inc.)

Facebook Ads conversion tracking (Facebook pixel) is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on q4solutions.com. The Facebook pixel tracks conversions that can be attributed to ads on Facebook, Instagram and Audience Network.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Twitter Ads conversion tracking (Twitter, Inc.)

Twitter Ads conversion tracking is an analytics service provided by Twitter, Inc. that connects data from the Twitter advertising network with actions performed on q4solutions.com.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

LinkedIn conversion tracking (LinkedIn Corporation)

LinkedIn conversion tracking is an analytics service provided by LinkedIn Corporation that connects data from the LinkedIn advertising network with actions performed on q4solutions.com.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

HubSpot Analytics (HubSpot, Inc.)

HubSpot Analytics is an analytics service provided by HubSpot, Inc.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out .

  • Contacting the User

Mailing list or newsletter (q4solutions.com)

By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning q4solutions.com. Your email address might also be added to this list as a result of signing up to q4solutions.com or after making a purchase.

Personal Data processed: address; city; company name; Cookies; country; date of birth; email address; first name; gender; last name; phone number; province; state; website; ZIP/Postal code.

Phone contact (q4solutions.com)

Users that provided their phone number might be contacted for commercial or promotional purposes related to q4solutions.com, as well as for fulfilling support requests.

Personal Data processed: phone number.

Contact form (q4solutions.com)

By filling in the contact form with their Data, the User authorizes q4solutions.com to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header.

Personal Data processed: address; city; company name; country; date of birth; email address; first name; gender; last name; phone number; profession; province; state; various types of Data; website; ZIP/Postal code.

  • Displaying content from external platforms

This type of service allows you to view content hosted on external platforms directly from the pages of q4solutions.com and interact with them.
This type of service might still collect web traffic data for the pages where the service is installed, even when Users do not use it.

Google Site Search (Google Inc.)

Google Site Search is a search engine embedding service provided by Google Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Google Maps widget (Google Inc.)

Google Maps is a maps visualization service provided by Google Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Google Fonts (Google Inc.)

Google Fonts is a typeface visualization service provided by Google Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Usage Data; various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Instagram widget (Instagram, Inc.)

Instagram is an image visualization service provided by Instagram, Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy.

Adobe Fonts (Adobe Systems Incorporated)

Adobe Fonts is a typeface visualization service provided by Adobe Systems Incorporated that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Usage Data; various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Vimeo video (Vimeo, LLC)

Vimeo is a video content visualization service provided by Vimeo, LLC that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Wistia widget (Wistia, Inc.)

Wistia is a video content visualization service provided by Wistia, Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

YouTube video widget (Google Inc.)

YouTube is a video content visualization service provided by Google Inc. that allows q4solutions.com to incorporate content of this kind on its pages.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Gravatar (Automattic Inc.)

Gravatar is an image visualization service provided by Automattic Inc. that allows q4solutions.com to incorporate content of this kind on its pages.
Please note that if Gravatar images are used for comment forms, the commenter’s email address or parts of it may be sent to Gravatar – even if the commenter has not signed up for that service.

Personal Data processed: email address; Usage Data.

Place of processing: United States – Privacy Policy.

  • Handling payments

Payment processing services enable q4solutions.com to process payments by credit card, bank transfer or other means. To ensure greater security, q4solutions.com shares only the information necessary to execute the transaction with the financial intermediaries handling the transaction.
Some of these services may also enable the sending of timed messages to the User, such as emails containing invoices or notifications concerning the payment.

Stripe (Stripe Inc)

Stripe is a payment service provided by Stripe Inc.

Personal Data processed: various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

  • Heat mapping and session recording

Heat mapping services are used to display the areas of a page where Users most frequently move the mouse or click. This shows where the points of interest are. These services make it possible to monitor and analyze web traffic and keep track of User behavior.
Some of these services may record sessions and make them available for later visual playback.

Hotjar Heat Maps & Recordings (Hotjar Ltd.)

Hotjar is a session recording and heat mapping service provided by Hotjar Ltd.
Hotjar honors generic „Do Not Track” headers. This means the browser can tell its script not to collect any of the User’s data. This is a setting that is available in all major browsers. Find Hotjar’s opt-out information here.

Personal Data processed: Cookies; Usage Data; various types of Data as specified in the privacy policy of the service.

Place of processing: Malta – Privacy Policy – Opt Out.

Crazy Egg (Crazyegg)

Crazy Egg is a heat mapping service provided by Crazy Egg, Inc.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy.

  • Hosting and backend infrastructure

This type of service has the purpose of hosting Data and files that enable q4solutions.com to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of q4solutions.com. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.

iubenda Consent Solution (iubenda srl)

iubenda Consent Solution is a service that facilitates the collection and management of proofs of consent provided by iubenda srl.

Personal Data processed: Data communicated while using the service.

Place of processing: Italy – Privacy Policy.

Amazon Web Services (AWS) (Amazon Web Services, Inc.)

Amazon Web Services (AWS) is a hosting and backend service provided by Amazon Web Services, Inc.

Personal Data processed: various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

  • Interaction with external social networks and platforms

This type of service allows interaction with social networks or other external platforms directly from the pages of q4solutions.com.
The interaction and information obtained through q4solutions.com are always subject to the User’s privacy settings for each social network.
This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.
It is recommended to log out from the respective services in order to make sure that the processed data on q4solutions.com isn’t being connected back to the User’s profile.

LinkedIn button and social widgets (LinkedIn Corporation)

The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Facebook Like button and social widgets (Facebook, Inc.)

The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook, Inc.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Twitter Tweet button and social widgets (Twitter, Inc.)

The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

YouTube button and social widgets (Google Inc.)

The YouTube button and social widgets are services allowing interaction with the YouTube social network provided by Google Inc.

Personal Data processed: Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

ShareThis (Sharethis Inc.)

ShareThis is a service provided by ShareThis Inc., which displays a widget that allows interaction with social networks and external platforms as well as sharing the contents of q4solutions.com.
Depending on the configuration, this service can display widgets belonging to third parties such as the managers of social networks where interactions are shared. In this case, also the third parties that provide the widget will be informed of interactions and Usage Data on the pages where this service is installed.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy.

  • Location-based interactions

Geolocation (q4solutions.com)

Q4solutions.com may collect, use, and share User location Data in order to provide location-based services.
Most browsers and devices provide tools to opt out from this feature by default. If explicit authorization has been provided, the User’s location data may be tracked by q4solutions.com.

Personal Data processed: geographic position.

  • Managing contacts and sending messages

This type of service makes it possible to manage a database of email contacts, phone contacts or any other contact information to communicate with the User.
These services may also collect data concerning the date and time when the message was viewed by the User, as well as when the User interacted with it, such as by clicking on links included in the message.

HubSpot Email (HubSpot, Inc.)

HubSpot Email is an email address management and message sending service provided by HubSpot, Inc.

Personal Data processed: email address; Usage Data.

Place of processing: United States – Privacy Policy.

ZOHO Campaigns (Zoho Corporation Pvt. Ltd.)

ZOHO Campaigns is an email address management and message sending service provided by Zoho Corporation Pvt. Ltd.

Personal Data processed: email address.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

Mailchimp (The Rocket Science Group, LLC.)

Mailchimp is an email address management and message sending service provided by The Rocket Science Group, LLC.

Personal Data processed: address; company name; Cookies; country; date of birth; email address; first name; gender; last name; phone number.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

  • Managing landing and invitation pages

This type of service helps with building and managing landing and invitation pages, i.e., pages for presenting a product or service, where you may add your contact information such as an email address.
Managing these pages means that these services will handle the Personal Data collected through the pages, including Usage Data.

Instapage (Instapage, Inc.)

Instapage is a landing page management service provided by Instapage, Inc., that allows q4solutions.com to collect the email addresses of Users interested in its service.
Instapage allows the Owner to track and analyze the User response concerning web traffic or behavior regarding changes to the structure, text or any other component of the created landing pages.

Personal Data processed: Cookies; email address; Usage Data.

Place of processing: United States – Privacy Policy.

  • Managing support and contact requests

This type of service allows q4solutions.com to manage support and contact requests received via email or by other means, such as the contact form.
The Personal Data processed depend on the information provided by the User in the messages and the means used for communication (e.g. email address).

ZOHO CRM Email (Zoho Corporation Pvt. Ltd.)

ZOHO CRM Email is a support and contact request management service provided by Zoho Corporation Pvt. Ltd.

Personal Data processed: various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

  • Remarketing and behavioral targeting

This type of service allows q4solutions.com and its partners to inform, optimize and serve advertising based on past use of q4solutions.com by the User.
This activity is performed by tracking Usage Data and by using Cookies, information that is transferred to the partners that manage the remarketing and behavioral targeting activity.
In addition to any opt out offered by any of the services below, the User may opt out of a third-party service’s use of cookies by visiting the Network Advertising Initiative opt-out page.

AdRoll (AdRoll, Inc.)

AdRoll is an advertising service provided by AdRoll, Inc.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out.

Remarketing with Google Analytics (Google LLC)

Remarketing with Google Analytics is a remarketing and behavioral targeting service provided by Google LLC that connects the tracking activity performed by Google Analytics and its Cookies with the Google Ads advertising network and the Doubleclick Cookie.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Facebook Custom Audience (Facebook, Inc.)

Facebook Custom Audience is a remarketing and behavioral targeting service provided by Facebook, Inc. that connects the activity of q4solutions.com with the Facebook advertising network.

Personal Data processed: Cookies; email address.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Facebook Remarketing (Facebook, Inc.)

Facebook Remarketing is a remarketing and behavioral targeting service provided by Facebook, Inc. that connects the activity of q4solutions.com with the Facebook advertising network.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Twitter Remarketing (Twitter, Inc.)

Twitter Remarketing is a remarketing and behavioral targeting service provided by Twitter, Inc. that connects the activity of q4solutions.com with the Twitter advertising network.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Twitter Tailored Audiences (Twitter, Inc.)

Twitter Tailored Audiences is a remarketing and behavioral targeting service provided by Twitter, Inc. that connects the activity of q4solutions.com with the Twitter advertising network.

Personal Data processed: Cookies; email address.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

LinkedIn Website Retargeting (LinkedIn Corporation)

LinkedIn Website Retargeting is a remarketing and behavioral targeting service provided by LinkedIn Corporation that connects the activity of q4solutions.com with the LinkedIn advertising network.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

Google Ads Remarketing (Google LLC)

Google Ads Remarketing is a remarketing and behavioral targeting service provided by Google LLC that connects the activity of q4solutions.com with the Google Ads advertising network and the DoubleClick Cookie. 

Users can opt out of Google’s use of cookies for ads personalization by visiting Google’s Ads Settings.

Personal Data processed: Cookies; Usage Data.

Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.

  • SPAM protection

This type of service analyzes the traffic of q4solutions.com, potentially containing Users’ Personal Data, with the purpose of filtering it from parts of traffic, messages and content that are recognized as SPAM.

Akismet (Automattic Inc.)

Akismet is a SPAM protection service provided by Automattic Inc.

Personal Data processed: various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy.

  • Tag Management

This type of service helps the Owner to manage the tags or scripts needed on q4solutions.com in a centralized fashion.
This results in the Users’ Data flowing through these services, potentially resulting in the retention of this Data.

Google Tag Manager (Google LLC)

Google Tag Manager is a tag management service provided by Google LLC.

Personal Data processed: Usage Data.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

  • User database management

This type of service allows the Owner to build user profiles by starting from an email address, a personal name, or other information that the User provides to q4solutions.com, as well as to track User activities through analytics features. This Personal Data may also be matched with publicly available information about the User (such as social networks’ profiles) and used to build private profiles that the Owner can display and use for improving q4solutions.com.
Some of these services may also enable the sending of timed messages to the User, such as emails based on specific actions performed on q4solutions.com.

HubSpot CRM (HubSpot, Inc.)

HubSpot CRM is a User database management service provided by HubSpot, Inc.

Personal Data processed: email address; phone number; various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

HubSpot Lead Management (HubSpot, Inc.)

HubSpot Lead Management is a User database management service provided by HubSpot, Inc.

Personal Data processed: various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

ZOHO CRM (Zoho Corporation Pvt. Ltd.)

ZOHO CRM is a User database management service provided by Zoho Corporation Pvt. Ltd.

Personal Data processed: email address; various types of Data as specified in the privacy policy of the service.

Place of processing: United States – Privacy Policy. Privacy Shield participant.

The rights of Users

Users may exercise certain rights regarding their Data processed by the Owner.

In particular, Users have the right to do the following:

  • Withdraw their consent at any time. Users have the right to withdraw consent where they have previously given their consent to the processing of their Personal Data.
  • Object to processing of their Data. Users have the right to object to the processing of their Data if the processing is carried out on a legal basis other than consent. Further details are provided in the dedicated section below.
  • Access their Data. Users have the right to learn if Data is being processed by the Owner, obtain disclosure regarding certain aspects of the processing and obtain a copy of the Data undergoing processing.
  • Verify and seek rectification. Users have the right to verify the accuracy of their Data and ask for it to be updated or corrected.
  • Restrict the processing of their Data. Users have the right, under certain circumstances, to restrict the processing of their Data. In this case, the Owner will not process their Data for any purpose other than storing it.
  • Have their Personal Data deleted or otherwise removed. Users have the right, under certain circumstances, to obtain the erasure of their Data from the Owner.
  • Receive their Data and have it transferred to another controller. Users have the right to receive their Data in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that the Data is processed by automated means and that the processing is based on the User’s consent, on a contract which the User is part of or on pre-contractual obligations thereof.
  • Lodge a complaint. Users have the right to bring a claim before their competent data protection authority.

 

Details about the right to object to processing

Where Personal Data is processed for a public interest, in the exercise of an official authority vested in the Owner or for the purposes of the legitimate interests pursued by the Owner, Users may object to such processing by providing a ground related to their particular situation to justify the objection.

Users must know that, however, should their Personal Data be processed for direct marketing purposes, they can object to that processing at any time without providing any justification. To learn, whether the Owner is processing Personal Data for direct marketing purposes, Users may refer to the relevant sections of this document.

How to exercise these rights

Any requests to exercise User rights can be directed to the Owner through the contact details provided in this document. These requests can be exercised free of charge and will be addressed by the Owner as early as possible and always within one month.

Cookie Policy

Q4solutions.com uses Trackers. To learn more, the User may consult the Cookie Policy.

Additional information about Data collection and processing

Legal action

The User’s Personal Data may be used for legal purposes by the Owner in Court or in the stages leading to possible legal action arising from improper use of q4solutions.com or the related Services.
The User declares to be aware that the Owner may be required to reveal personal data upon request of public authorities.

Additional information about User’s Personal Data

In addition to the information contained in this privacy policy, q4solutions.com may provide the User with additional and contextual information concerning particular Services or the collection and processing of Personal Data upon request.

System logs and maintenance

For operation and maintenance purposes, q4solutions.com and any third-party services may collect files that record interaction with q4solutions.com (System logs) use other Personal Data (such as the IP Address) for this purpose.

Information not contained in this policy

More details concerning the collection or processing of Personal Data may be requested from the Owner at any time. Please see the contact information at the beginning of this document.

How “Do Not Track” requests are handled

Q4solutions.com does not support “Do Not Track” requests.
To determine whether any of the third-party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy

The Owner reserves the right to make changes to this privacy policy at any time by notifying its Users on this page and possibly within q4solutions.com and/or – as far as technically and legally feasible – sending a notice to Users via any contact information available to the Owner. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom.

Should the changes affect processing activities performed on the basis of the User’s consent, the Owner shall collect new consent from the User, where required.

  • Definitions and legal references

Personal Data (or Data)

Any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.

Usage Data

Information collected automatically through q4solutions.com (or third-party services employed in q4solutions.com), which can include: the IP addresses or domain names of the computers utilized by the Users who use q4solutions.com, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server’s answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User’s IT environment.

User

The individual using q4solutions.com who, unless otherwise specified, coincides with the Data Subject.

Data Subject

The natural person to whom the Personal Data refers.

Data Processor (or Data Supervisor)

The natural or legal person, public authority, agency or other body which processes Personal Data on behalf of the Controller, as described in this privacy policy.

Data Controller (or Owner)

The natural or legal person, public authority, agency or other body which, alone or jointly with others, determines the purposes and means of the processing of Personal Data, including the security measures concerning the operation and use of q4solutions.com. The Data Controller, unless otherwise specified, is the Owner of q4solutions.com.

q4solutions.com (or this Application)

The means by which the Personal Data of the User is collected and processed.

Service

The service provided by q4solutions.com as described in the relative terms (if available) and on this site/application.

European Union (or EU)

Unless otherwise specified, all references made within this document to the European Union include all current member states to the European Union and the European Economic Area.

Cookies

Small sets of data stored in the User’s device.

Legal information

This privacy statement has been prepared based on provisions of multiple legislations, including Art. 13/14 of Regulation (EU) 2016/679 (General Data Protection Regulation).

This privacy policy relates solely to q4solutions.com, if not stated otherwise within this document.

Latest update: July 27, 2020

iubenda hosts this content and only collects the Personal Data strictly necessary for it to be provided.

Terms of Use

Terms of Use

Acceptance of Terms

This Web site (“Site”) has been created and is supported by Psychological Associates. The content and services, including third party services, provided through this site are available for your use subject to the terms and conditions set out in this document.

By accessing or using the Site in any way, including, without limitation, use of any of the Services, downloading of any Materials, or merely browsing the Site, you agree to and are bound by these Terms of Use.

Psychological Associates reserves the right to change these Terms of Use and other guidelines or rules posted on the Site from time to time at its sole discretion without prior notification to users.

Intellectual Property

The Materials and Services on this Site are protected by copyright, trademark, patent, and/or other intellectual property laws; and any unauthorized use of the Materials or Services at this Site may violate such laws and these Terms of Use. Except as expressly implied in these Terms of Use, Psychological Associates does not grant any express rights to use the Materials and/or Services. You agree not to copy, republish, frame, download, transmit, modify, rent, lease, loan, sell, assign, distribute, license, sublicense, reverse engineer, or create derivative works based on the Site, its Materials, its Services, or their selection and arrangement, except as expressly authorized in these Terms of Use. In addition, you agree not to use any data mining, robots, or similar data gathering and extraction methods in connection with the Site.

User Conduct

In using the Site, including all Services and Materials available through it, you agree:

  • Not to disrupt or interfere with the security of, or otherwise cause harm to, the Site, or any Services, Materials, system resources, accounts, passwords, servers, or networks connected to or accessible through the Site or any affiliated or linked Web sites
  • Not to upload, post, or otherwise transmit through the Site any viruses or other harmful, disruptive, or destructive files
  • Not to create a false identity
  • Not to use or attempt to use another’s account, password, Service, or system without express authorization from Psychological Associates
  • Not to intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law.

You are responsible for maintaining the confidentiality of your account and for all activities carried out using your account information. You agree to notify Psychological Associates immediately of any unauthorized activity using your account information, or if you suspect that the confidentiality of your account information has been compromised.

Managing Content and Communications

Although it is not our intention to do so, Psychological Associates reserves the right, at its sole discretion, to delete or remove user content from the Site and to restrict, suspend, or terminate your access to all or parts of this Site, at any time (including, without limitation, our good faith belief that you have not complied with these Terms of Use) without prior notice or liability.

Psychological Associates may, but is not obligated to, monitor or review (i) any areas of the Site where users transmit or post user content, including but not limited to areas where Services are available, and (ii) the substance of any user content.

To the maximum extent permitted by law, Psychological Associates will have no liability relating to user content arising under the laws of copyright, libel, privacy, obscenity, or otherwise.

User Access Information

Where use of the Site or access to certain Materials requires access information, you will be required to provide certain access information.

In accessing these Materials, including all Services and Materials available through it, you agree to:

  • Provide accurate, complete, and up-to-date information about yourself as required by the Site’s registration form.
  • Abide by the terms and conditions as outlined throughout the Terms of Use document, especially those in the Intellectual Property section.

Psychological Associates Privacy Policy

Your Registration Data and certain other information that you provide to us are subject to our Privacy Policy. For further information, please see our full Privacy Policy.

Disclaimer of Warranties

In using this Site and its Services, you expressly understand and agree that:

  • The Site and the Services contained on it are provided on an “as is” and “as available” basis and that use of the Site and Services is at your own risk.
  • Psychological Associates disclaims all warranties of any kind, whether by express or implied (including, but not limited to the implied warranties or merchantability) fitness for a particular purpose and non-infringement.
  • Psychological Associates makes no warranties regarding the accuracy, reliability, quality, or availability of service of any products, Materials, or Services made available on the Site.
  • Any damage to your computer or loss of data that results from the use of the Site or Services, or from the download of any material will be your sole responsibility and is done at your own discretion.
  • No advice or information obtained from the Site or its Services, whether written or oral, shall create any warranty not expressly stated.

Further, Psychological Associates makes no warranty or condition that:

  • The Services will meet your requirements
  • The Services will be uninterrupted, timely, secure or error-free
  • The results that may be obtained from the use of the Services will be accurate or reliable
  • The quality of any products, Services, information, or other material purchased or obtained by you through the Services will meet your expectations
  • Any errors in the software will be corrected.

Limitation of Liability

To the extent not prohibited by applicable law, Psychological Associates is not liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including, but not limited to: damages for loss of profits, revenue, goodwill, use, data, electronically transmitted orders or other economic advantage (even if Psychological Associates has been advised of the possibility of such damages), however caused and regardless of the theory of liability, whether in contract (including fundamental breach), tort (including negligence), or otherwise, arising out of or related to:

  • The use or inability to use the Services
  • The cost of procurement of substitute goods and Services purchased or obtained or messages received or transactions entered into though or from the Services
  • Unauthorized access to or alteration of your transmissions or data
  • Statements or conduct of any third party on the Services or Site
  • Any other matter relating to the Services, including content you may download, use, modify, or distribute from the Site.

You have the sole responsibility for adequate protection and backup of data and/or equipment used in connection with the Site and will not make a claim against Psychological Associates for lost data, re-run time, inaccurate output, work delays, or lost profits resulting from the use of content.

You agree to hold Psychological Associates harmless from, and you covenant not to take any legal action against Psychological Associates for, any claims based on using the Site, whether in contract (including fundamental breach), tort (including negligence), or otherwise, except where Psychological Associates is prevented by law from making such exclusions or limitations.

Links

The Services on this Site may provide links to other World Wide Web sites or resources. Because Psychological Associates has no control over such sites and resources, you acknowledge and agree that Psychological Associates is not responsible for the availability of such external sites or resources; and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Psychological Associates shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such site or resource.