Privacy Policy
Introduction
We value your privacy and are committed to protecting and handling your personal information responsibly.
This Privacy Policy outlines how we collect, use, disclose, and safeguard your information on this financial advisory website (the “Coram Deo”).
By accessing or using our services, you consent to this Policy.
If you disagree with any part of this Policy, please refrain from using our Site.
1. Information We Collect
We may collect personal and non-personal information to provide and improve our services.
This information includes:
Personal Information
This includes information such as your name, address, email, phone number, Social Security number,
and financial data, which may include investment holdings, account numbers, income levels,
and other financial-related information relevant to your needs.
Non-Personal Information
Browsing patterns, IP address, device information, Site usage, and any referring websites.
Sensitive Information
With your consent, we may gather sensitive details about your financial health, goals,
risk tolerance, and investment preferences.
2. How We Collect Information
We, along with our service providers, collect information through the following means:
Direct Collection
Information you provide when filling out forms, scheduling consultations,
subscribing to newsletters, or entering information through secure client portals.
Third-Party Sources
We may obtain additional information from public records, third-party data providers,
and, with your authorization, other financial institutions or advisors.
Cookies and Tracking Technologies
We use cookies, beacons, and similar technologies to track user interaction with our Site,
enhance your experience, and analyze how you navigate our Site.
You can manage cookie settings on your browser, although disabling cookies may limit some features on our Site.
3. How We Use Your Information
Your information is collected and used for specific purposes, including:
- Providing Services:
Personalize and tailor our services to your financial goals and circumstances. - Improving User Experience:
Using analytics to enhance our Site’s functionality, security, and content relevance. - Communication:
Sending relevant updates, newsletters, and information related to financial advisory services and opportunities. - Compliance:
Meeting regulatory and legal requirements under applicable laws,
including fraud prevention, security assessments, and adherence to tax obligations. - Marketing and Promotions:
We may send information about additional services or products we offer that might interest you.
We will obtain your consent for any marketing communications where required by law.
4. Disclosure of Your Information
We may share your information in the following scenarios:
- With Service Providers:
Third-party vendors that assist with our services, including hosting providers,
CRM tools, email service providers, and secure data storage providers.
These providers adhere to strict privacy policies and only access information as necessary to perform their services. - With Financial Partners:
We may disclose necessary details to financial institutions, fund managers,
insurance providers, and investment firms as part of our advisory services. - For Legal Compliance:
We may share your information if required by law, in response to a subpoena,
or when necessary to protect our rights, property, or safety or that of our clients,
employees, or the public. - In Business Transactions:
In the case of a merger, acquisition, or sale of assets,
we may transfer your personal information as part of the transaction,
with confidentiality protections in place.
5. Security Measures
We prioritize the security of your personal and financial information.
Measures include:
- Data Encryption:
All sensitive information shared on the Site is encrypted using industry-standard encryption protocols (e.g., SSL/TLS). - Access Control:
Access to your data is restricted to authorized personnel and service providers bound by confidentiality agreements. - Regular Audits and Monitoring:
We conduct regular security assessments to identify vulnerabilities and monitor our Site for suspicious activities. - Secure Data Storage:
Your data is stored in secure servers with multi-layered security protocols to prevent unauthorized access.
6. Retention of Information
We retain your personal information only as long as necessary for the purposes outlined in this Policy
or as required by law. When no longer needed, your information is securely deleted or anonymized.
7. Cookies and Tracking
Our Site uses cookies to enhance your browsing experience.
Cookies help us remember your preferences, track Site usage, and tailor advertisements.
Types of cookies include:
- Session Cookies:
Temporary cookies that expire when you close your browser. - Persistent Cookies:
Remain on your device for a period or until deleted and used to remember login details and preferences. - Analytics and Advertising Cookies:
Third-party cookies for Site analytics and targeted advertisements.
You can control cookie settings in your browser.
However, disabling cookies may affect your Site experience.
8. Your Rights and Choices
As a user, you have specific rights regarding your personal information, subject to applicable law:
- Access: Request access to your information.
- Correction: Request corrections to any inaccuracies.
- Deletion: Request the deletion of your personal information under certain conditions.
- Data Portability: Request a copy of your information in a structured format.
- Opt-Out of Marketing: Opt-out of receiving promotional communications from us.
To exercise these rights, please contact us using the information below.
We may require verification of your identity to process specific requests.
9. Children’s Privacy
Our services are intended for individuals 18 and older.
We do not knowingly collect personal information from minors.
If we become aware of unintentional information collection from a minor,
we will delete it promptly.
10. International Data Transfers
If you are located outside the United States, please note that your information may be transferred,
stored, and processed in the United States.
By using our Site, you consent to such transfers.
We ensure that your data remains protected, adhering to applicable privacy regulations.
11. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices,
technology, or legal obligations.
We encourage you to review this Policy regularly.
Significant changes will be posted on our Site with an updated effective date.
12. Contact Us
For questions, concerns, or requests regarding this Privacy Policy or your personal information,
please contact us at:
We are committed to addressing your privacy-related concerns promptly and transparently.
Effective Date: November 1, 2024