1. Information We Collect

• Provided by you: name, email address, contact details via newsletter sign‑ups or contact forms.

• Automatically collected: IP address, browser type, device info, access times, cookie data.

• Third‑party sources: analytics, advertising partners, or social logins (e.g., Google, LinkedIn).

2. How We Use Your Data

• To provide, maintain, and improve site functionality.

• To respond to your inquiries and send updates or marketing communications (with your consent).

• To analyze site use, enhance user experience, and prevent fraud or security threats.

3. Disclosure of Your Data

• Service providers: hosting, analytics, email, and payment processors.

• Compliance/legal: where required by law, regulation, or legal process.

• We do not sell or rent personal data or share it for marketing purposes with unaffiliated third parties.

4. Cookies & Tracking

We employ:

• Essential cookies for functionality,

• Performance/analytics cookies to monitor usage patterns,

• Advertising/targeting cookies only with explicit consent.
  You can manage your preferences via our cookie banner or browser settings.

5. Your Rights

Depending on your jurisdiction:

• Access, correction, deletion of your personal data.

• Opt‑in/opt‑out of marketing and data sharing.

• Withdraw consent at any time.

• Data portability, where applicable under GDPR and similar laws.

6. Legal Bases

• Performance of contract (e.g., delivering newsletters).

• Consent, where required (e.g., marketing emails, non‑essential cookies).

• Legitimate interests, such as site security and fraud prevention.

7. Data Security & Retention

• We follow GLBA Safeguards Rule style practices: securing data with physical, electronic, and procedural measures

• We retain personal data only as long as needed—for legal compliance, dispute resolution, or user requests.

8. Changes to This Policy

• We notify users of any material changes via the website and/or email, with the date of last revision clearly marked

9. Contact Us

For privacy inquiries or to exercise your rights, email: [email protected]

Legal & Compliance Notes:

• GLBA (Financial Privacy Rule & Safeguards Rule) applies since your site relates to financial advice: requires annual privacy notices, data security, opt‑out rights.

• FTC Fair Information Processing Principles inform transparency, user consent, data minimization, and security.

• For EU/UK users, GDPR compliance—including lawful bases, detailed rights, and data transfers—is embedded via “Your Rights” and legal bases sections.