1. Introduction
Equity Save Finance ("we," "us," or "our") respects your privacy and is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website equitysavefinance.com, engage with our services, or interact with our advisors.
By using our services, you consent to the data practices described in this policy. If you do not agree with the terms, please do not access our site or services.
2. Information We Collect
We collect information that identifies, relates to, or could reasonably be linked to you. This includes:
- Personal Identifiers: Name, email address, phone number, postal address, Social Security Number (for financial services), date of birth.
- Financial Information: Income, employment history, account balances, credit scores, tax returns, investment portfolios, loan applications.
- Technical Data: IP address, browser type, device identifiers, cookies, log files, usage patterns.
- Communications: Any messages, consultation notes, or inquiries you submit through our forms.
- Recordings: Recorded phone or video consultations (with your explicit consent).
3. How We Use Your Information
We use collected data to:
- Provide, personalize, and improve our financial advisory, lending, and insurance services.
- Process loan applications, investment transactions, and insurance underwriting.
- Communicate with you about accounts, appointments, market updates, and service changes.
- Comply with federal and state financial regulations (SEC, FINRA, state insurance commissions).
- Detect and prevent fraud, identity theft, and security breaches.
- Send optional marketing communications (only with your consent).
4. Data Sharing & Disclosure
We do not sell your personal information. We share data only with:
- Service Providers: Custodians, payment processors, cloud hosting vendors, and analytics partners bound by confidentiality agreements.
- Financial Institutions: Banks and lenders involved in loan origination (with your explicit authorization).
- Regulatory Authorities: When required by law, subpoena, or government investigation.
- Professional Advisors: CPAs, estate attorneys, and insurance carriers with your consent.
5. Data Security
We employ industry-leading safeguards to protect your information, including:
- AES-256 encryption for data at rest and TLS 1.3 for data in transit.
- SOC 2 Type II certified infrastructure and annual penetration testing.
- Multi-factor authentication (MFA) for all client and employee accounts.
- Role-based access control — only authorized advisors see your data.
- Quarterly employee security training and confidentiality agreements.
6. Cookies & Tracking Technologies
We use cookies and similar technologies to enhance user experience, analyze site traffic, and deliver personalized content. You can control cookie preferences through your browser settings. Essential cookies are required for site functionality; analytics and marketing cookies are optional.
7. Your Privacy Rights (CCPA & State Laws)
Depending on your state of residence (including California, Colorado, Virginia, and others), you may have the right to:
- Access the personal information we hold about you.
- Request correction or deletion of inaccurate or outdated data.
- Opt out of the sale or sharing of personal information (we do not sell data).
- Non-discrimination for exercising your privacy rights.
- Designate an authorized agent to make requests on your behalf.
To exercise any right, contact us at privacy@equitysavefinance.com.
8. Data Retention
We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, typically 7 years after account closure to comply with IRS and financial recordkeeping requirements. You may request earlier deletion subject to legal obligations.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect information from minors. If we become aware of such collection, we will promptly delete it.
10. International Transfers
Equity Save Finance operates primarily within the United States. Any data transferred outside the U.S. is protected under Standard Contractual Clauses and applicable adequacy decisions.
11. Third-Party Links
Our website may contain links to external sites. We are not responsible for the privacy practices of those sites and encourage you to review their policies before submitting personal information.
12. Changes to This Policy
We may update this Privacy Policy periodically. Material changes will be communicated via email or a prominent notice on our website. The "Last Updated" date at the top indicates the most recent revision.
13. Contact Us
For privacy-related questions, concerns, or requests, contact our Data Protection Officer:
Equity Save Finance Privacy Office
Email: privacy@equitysavefinance.com
Phone: (760) 751-2712
Address: 15903 Vincent Rd NW, Poulsbo, WA 98370, USA