Privacy Policy

1. Introduction

Finovest ("we," "us," or "our") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you use our website (the "Site") and financial consulting services (the "Services").

By using our Site or Services, you agree to the collection and use of information in accordance with this policy. We adhere to applicable data protection laws, including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), and General Data Protection Regulation (GDPR) where applicable.

2. Information We Collect

We may collect the following types of information:

2.1 Personal Information You Provide

• Identity Data: Full name, date of birth, Social Security number, and government-issued identification.
• Contact Data: Email address, phone number, mailing address, and emergency contact details.
• Financial Data: Income, net worth, investment holdings, bank account details, tax returns, and credit history.
• Employment Data: Employer, job title, salary, and employment history.
• Account Data: Username, password, and preferences for our client portal.

2.2 Information Collected Automatically

When you visit our Site, we may automatically collect certain information, including:

• IP address, browser type, operating system, and device information.
• Pages viewed, time spent on pages, and referring URL.
• Cookies and similar tracking technologies (see Section 6).

2.3 Information from Third Parties

We may receive information about you from credit bureaus, financial institutions, custodians, and other service providers as necessary to deliver our Services. We ensure that such third parties have obtained appropriate consent for sharing your data.

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Delivery: To provide financial planning, investment management, tax consulting, and related advisory services.
• Account Management: To create and maintain your client account, process transactions, and communicate service updates.
• Personalization: To tailor our recommendations and content to your specific financial situation and goals.
• Legal Compliance: To comply with SEC, IRS, anti-money laundering (AML), and other regulatory obligations.
• Marketing: To send newsletters, market insights, and promotional materials (with your consent where required).
• Improvement: To analyze usage patterns and improve our Site and Services.

We will not use your personal data for purposes incompatible with those disclosed in this policy without providing notice and obtaining consent where required by law.

4. How We Share Your Information

We do not sell your personal information. We may share your data only in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our business (e.g., custodians, broker-dealers, tax software providers, cloud hosting). All service providers are contractually bound to protect your data.
• Legal Requirements: When required by law, subpoena, or government request, or to protect our rights, property, and safety.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of the transaction, subject to confidentiality agreements.
• With Your Consent: Any other sharing will occur only with your explicit consent.

5. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• 256-bit SSL encryption for all online data transmission.
• Multi-factor authentication for client portal access.
• Regular security audits and vulnerability assessments.
• Strict access controls and employee training on data privacy.

However, no method of electronic storage or transmission is 100% secure. We encourage you to also take steps to protect your own information, such as using strong passwords and keeping login credentials confidential.

6. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to enhance your browsing experience. A cookie is a small file placed on your device that helps us remember your preferences and analyze site traffic.

• Essential Cookies: Necessary for the Site to function properly (e.g., session management).
• Analytics Cookies: Help us understand how visitors interact with the Site (e.g., Google Analytics).
• Preference Cookies: Remember your language or dark mode settings.

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect the functionality of our Site.

7. Your Data Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Ask us to update or correct inaccurate information.
• Deletion: Request deletion of your data, subject to legal retention requirements.
• Portability: Receive your data in a structured, machine-readable format.
• Opt-Out: Unsubscribe from marketing communications at any time.
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise any of these rights, please contact us at the email or address provided in Section 9. We will respond within the timeframe required by applicable law (typically 30-45 days).

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. For financial records, this typically means retention for at least seven years after the termination of our client relationship, in accordance with SEC and IRS regulations.

When data is no longer needed, we securely dispose of it through shredding, degaussing, or digital deletion methods.

9. Contact Information

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

We are committed to working with you to resolve any complaints about our privacy practices.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. The "Last Updated" date at the top of this page indicates when the policy was last revised. Material changes will be communicated to active clients via email or a prominent notice on our Site at least 30 days before the change becomes effective.

We encourage you to review this page regularly to stay informed about how we protect your information.