Privacy Policy

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account or consultation
• Fill out forms on our website
• Subscribe to our newsletter
• Contact us via phone, email, or contact forms
• Apply for financial services

This information may include:

• Name, address, phone number, and email address
• Social Security number and date of birth
• Financial information (income, assets, debts)
• Employment information
• Investment objectives and risk tolerance

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage patterns, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for various purposes, including:

• Providing and maintaining our financial services
• Processing applications and transactions
• Communicating with you about our services
• Sending newsletters and marketing communications (with your consent)
• Improving our website and services
• Complying with legal and regulatory requirements
• Preventing fraud and ensuring security
• Analyzing usage patterns and trends

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our business, such as:

• Technology and hosting providers
• Payment processors
• Professional service providers (attorneys, accountants)
• Marketing and analytics services

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes or government requests
• Protect our rights and property
• Prevent fraud or illegal activities
• Protect the safety of our clients and employees

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction, subject to appropriate confidentiality protections.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Regular security assessments and updates
• Employee training on data protection
• Access controls and authentication procedures
• Secure disposal of information when no longer needed

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Provide personalized content and advertisements
• Improve website functionality and performance

You can control cookie settings through your browser preferences. However, disabling cookies may affect the functionality of our website.

6. Your Rights and Choices

You have certain rights regarding your personal information:

Access and Correction

You may request access to your personal information and ask us to correct any inaccuracies.

Opt-Out

You may opt out of receiving marketing communications by:

• Clicking the unsubscribe link in our emails
• Contacting us directly
• Updating your preferences in your account settings

Data Portability

You may request a copy of your personal information in a portable format.

Deletion

You may request deletion of your personal information, subject to legal and regulatory requirements.

7. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it's used
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights

To exercise these rights, please contact us using the information provided below.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending you an email notification
• Providing notice through our services

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: