Privacy Policy
Last Updated: September 23, 2026 · Effective: September 23, 2026
1. Introduction
Welcome to Fin Wealth Service ("we," "us," "our"). We are a finance and wealth management firm based in Erie, Colorado, serving clients across the United States. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website finwealthservice.com (the "Site"), use our services, or interact with us.
By accessing or using our Site and services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please discontinue use immediately.
2. Information We Collect
2.1 Information You Provide Directly
- Contact Information: Name, email address, phone number, mailing address.
- Financial Information: Income, employment status, assets, liabilities, credit score (when you apply for loans or financial services).
- Account Credentials: Username, password, security questions.
- Communications: Any messages, emails, chat transcripts, or phone call notes.
- Booking Details: Preferred dates, times, service interests for consultations.
- Newsletter Subscription: Email address when you opt in to receive updates.
2.2 Information Collected Automatically
- Device Information: IP address, browser type, operating system, device identifiers.
- Usage Data: Pages visited, time spent, click paths, referring URLs.
- Location Data: General geographic location derived from IP address.
- Cookies and Similar Technologies: See Section 5 for details.
2.3 Information from Third Parties
We may receive information about you from credit bureaus, identity verification services, lending partners, and public records when you apply for financial products through us.
3. How We Use Your Information
We use your information for the following purposes:
- To provide, operate, and maintain our services.
- To process loan applications, investment accounts, and insurance policies.
- To communicate with you about your account, appointments, and services.
- To personalize your experience and improve our offerings.
- To send newsletters, marketing materials, and promotional content (with your consent).
- To detect, prevent, and address fraud, security breaches, and technical issues.
- To comply with legal obligations and regulatory requirements.
- To analyze usage trends and measure the effectiveness of our Site.
4. How We Share Your Information
We do not sell your personal information. We share your information only in the following circumstances:
- Service Providers: Trusted third parties who perform services on our behalf (hosting, email, payment processing, analytics) under strict confidentiality agreements.
- Lending & Insurance Partners: Banks, lenders, and insurance carriers necessary to fulfill your service requests (e.g., loan applications).
- Legal Compliance: When required by law, court order, or governmental regulation.
- Business Transfers: In connection with a merger, acquisition, or sale of assets.
- With Your Consent: When you explicitly direct us to share information.
5. Cookies & Tracking Technologies
We use cookies, web beacons, and similar technologies to enhance your experience. Types of cookies we use:
- Essential Cookies: Required for the Site to function (login sessions, security).
- Analytics Cookies: Help us understand how visitors use our Site (e.g., Google Analytics).
- Marketing Cookies: Used to deliver relevant ads and measure campaign performance.
- Preference Cookies: Remember your settings and preferences.
You can manage or disable cookies through your browser settings. Note that disabling certain cookies may affect Site functionality.
6. Data Security
We implement industry-standard administrative, technical, and physical safeguards to protect your information, including:
- 256-bit AES encryption for data in transit and at rest.
- Multi-factor authentication for all administrative access.
- SOC 2 Type II compliant infrastructure.
- Regular security audits and penetration testing.
- Employee training on data handling and confidentiality.
However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
7. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Typical retention periods:
- Contact Form Submissions: 2 years.
- Newsletter Subscribers: Until you unsubscribe.
- Client Financial Records: 7 years (per IRS and regulatory requirements).
- Account Records: 5 years after account closure.
8. Your Rights & Choices
Depending on your location, you may have the following rights:
- Access: Request a copy of your personal data.
- Correction: Request correction of inaccurate data.
- Deletion: Request deletion of your data (subject to legal exceptions).
- Portability: Receive your data in a portable format.
- Opt-Out: Unsubscribe from marketing emails at any time.
- Restriction: Request limitation of processing in certain cases.
To exercise any of these rights, email us at info@finwealthservice.com. We will respond within 30 days.
9. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
- Right to know what personal information we collect and how it is used.
- Right to delete personal information (with exceptions).
- Right to opt-out of the sale of personal information (we do not sell).
- Right to non-discrimination for exercising your rights.
- Right to correct inaccurate personal information.
- Right to limit use of sensitive personal information.
To submit a request, email privacy@finwealthservice.com or call (479) 229-0423. Authorized agents may act on your behalf with proper documentation.
10. Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect information from children. If we become aware we have collected data from a minor, we will delete it promptly. Parents who believe their child has provided information should contact us immediately.
11. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be communicated via email or prominent notice on our Site. Continued use after changes constitutes acceptance.