1. Introduction
Finance Money Savings ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us through our website, consultations, and financial services. This Privacy Policy explains what we collect, why we collect it, how we protect it, and the choices you have — in plain language, as required by applicable U.S. federal and state privacy laws, including the California Consumer Privacy Act (CCPA/CPRA).
By using financemoneysavings.com (the "Site") or our services, you agree to the practices described in this Policy.
2. Information We Collect
2.1 Information You Provide
- Contact data: name, email address, phone number, and mailing address submitted via consultation, booking, contact, or newsletter forms.
- Financial profile data: income range, credit information, loan amounts, investment goals, and documents you voluntarily upload during advisory engagements.
- Communication data: messages you send us by email, phone, chat, or form submissions.
2.2 Information Collected Automatically
- Technical data: IP address, browser type, device type, operating system, and pages visited.
- Usage data: time on page, click patterns, and referral source, used solely to improve site performance and content.
- Cookies: small files that remember preferences and enable essential site functions (see Section 5).
3. How We Use Your Information
- To respond to enquiries and schedule your free consultation within one business day.
- To provide, personalize, and improve our lending, wealth planning, tax advisory, and insurance services.
- To process loan applications with your explicit consent through our vetted lender network.
- To send service-related communications, including application status and appointment reminders.
- To send our monthly "Money Brief" newsletter only where you have opted in.
- To comply with legal, regulatory, and anti-fraud obligations (e.g., KYC/AML requirements).
We never sell or rent your personal information to third parties for their own marketing purposes.
4. How We Share Information
We share data only with:
- Lenders & insurers: when you authorize us to submit an application on your behalf.
- Service providers: cloud hosting, email delivery, and CRM vendors bound by confidentiality agreements.
- Professional advisors: accountants or attorneys where legally required.
- Legal authorities: when required by subpoena, court order, or applicable law.
5. Cookies & Tracking Technologies
We use essential cookies for site functionality and anonymous analytics cookies to understand aggregate traffic. You can disable cookies in your browser settings at any time; essential features may be affected. We do not use cross-site advertising trackers.
6. Data Security
All transmissions are protected with 256-bit TLS encryption; stored data is encrypted at rest using AES-256. Access is restricted to authorized personnel on a need-to-know basis, protected by multi-factor authentication. While no system is 100% secure, we maintain industry-standard safeguards and incident-response procedures.
7. Data Retention
We retain personal information only as long as necessary to provide services, meet legal and tax record-keeping obligations (typically 5–7 years for financial records), or resolve disputes. Newsletter data is retained until you unsubscribe.
8. Your Privacy Rights
Depending on your state of residence (including California, Virginia, Colorado and others), you may have the right to:
- Request access to or a copy of your personal data.
- Request correction of inaccurate data.
- Request deletion of your personal data, subject to legal retention rules.
- Opt out of sale/sharing (we do not sell data) and restrict processing.
- Non-discrimination for exercising any privacy right.
To exercise any right, email info@financemoneysavings.com with the subject "Privacy Request." We respond within 30 days.
9. Newsletter & Marketing Communications
If you subscribe to our newsletter, your email is stored securely and used only for that purpose. Every issue contains an unsubscribe link, and you may also unsubscribe at any time via our unsubscribe page. We honor all opt-outs promptly.
10. Children's Privacy
Our services are intended for adults 18+. We do not knowingly collect personal information from children under 13. If you believe a child has provided us data, contact us and we will delete it.
11. Third-Party Links
The Site may link to third-party websites (e.g., lender portals). We are not responsible for their privacy practices; please review their policies independently.
12. Changes to This Policy
We may update this Policy periodically. Material changes will be highlighted on this page with a revised "Last updated" date. Continued use of the Site after changes constitutes acceptance.
13. Contact Us
Finance Money Savings — Po Box 32335, Louisville, Kentucky 40232, USA
Phone: (651) 251-1220 · Email: info@financemoneysavings.com