Privacy Policy
Effective Date: July 20, 2023 / Last Updated: October 11, 2024
Welcome to Spend with Clarity LLC ("we," "us," or "our"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our website and related services (collectively, the "Services").
By accessing or using our Services, you agree to the terms and conditions of this Privacy Policy. If you do not agree with this policy, please refrain from using our website and Services.
Information We Collect
We may collect various types of information from you, including but not limited to:
Personal Information: This may include your name, email address, postal address, phone number, and other contact details.
Financial Information: If you enroll as a client, we may collect financial information such as income, expenses, savings, investments, and other details to provide personalized coaching services. This information is gathered during coaching sessions, via email, or other direct communications, not through our website.
Usage Information: We gather data on how you interact with our website and Services, including the pages you visit, features you use, and the time and date of your activities.
Device and Browser Information: We may collect information about the device you use to access our Services, such as your IP address, browser type, operating system, and device identifiers.
Cookies and Similar Technologies: Our website uses cookies and similar technologies to enhance your experience and gather information about your preferences.
How We Use Your Information
We use the collected information for various purposes, including but not limited to:
Providing and Improving Services: We use your personal and financial information to deliver personalized coaching, craft financial plans, and tailor advice to your specific situation. This includes analyzing your income, expenses, investments, and savings goals to help you make informed financial decisions.
Communication: We may use your contact information to send you important updates, newsletters, promotional materials, and other communications related to our Services.
Analytics: We analyze data to understand how users interact with our website and improve our offerings and user experience.
Legal Compliance: We may use your information to comply with applicable laws, regulations, or legal processes.
Cookies and Similar Technologies: Our website uses cookies, web beacons, and similar technologies to improve your browsing experience, understand user interactions, and provide tailored content. Cookies are small text files that are placed on your device to track information such as user preferences and pages visited. You can choose to disable cookies through your browser settings, but this may affect your experience on the website.
How We Protect Your Information
We prioritize the security of your personal and financial information. While we implement appropriate technical and organizational measures to protect your data, we also rely on trusted third-party providers for storage and communication. Specifically, client data shared via email is processed through Gmail, and information is stored in Google Drive. Both services are provided by Google, which employs industry-standard encryption and security measures to protect your information, including:
Encryption: Google encrypts emails in transit and data stored on its servers using Transport Layer Security (TLS) and 256-bit Advanced Encryption Standard (AES), respectively.
Access Control: Your data can only be accessed by authorized personnel, and Google uses strong authentication procedures to prevent unauthorized access.
Physical Security: Google data centers are protected with advanced physical security measures, ensuring that your information is safeguarded at every level.
While no system is completely immune to potential breaches, we work with industry-leading partners to ensure the highest level of security. However, please be aware that no method of data transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
Sharing Your Information
We do not sell, trade, or rent your personal information to third parties for marketing purposes. However, we may share your information in the following circumstances:
Service Providers: We may share your information with trusted third-party service providers who assist us in delivering our Services. These providers are contractually bound to handle your data securely and can only use it for the purposes specified by us.
Legal Compliance: We may disclose your personal information if required to do so by law, or in response to valid legal processes such as subpoenas or court orders.
Data Subject Rights (for EU Residents)
If you are located in the European Union (EU), you have certain rights under the General Data Protection Regulation (GDPR). These include:
Right to Access: You have the right to request a copy of the personal information we hold about you.
Right to Rectification: You have the right to correct any inaccurate or incomplete data.
Right to Erasure (Right to be Forgotten): You can request that we erase your personal information, provided that we are not required to retain it for legal or legitimate business purposes.
Right to Restrict Processing: You may request that we limit the processing of your personal data.
Right to Data Portability: You can request that your personal information be provided to you or another data controller in a structured, commonly used, and machine-readable format.
Right to Object: You have the right to object to our processing of your data, including for direct marketing purposes.
Rights Related to Automated Decision-Making: You have the right not to be subject to a decision based solely on automated processing, including profiling, which produces legal effects or similarly significantly affects you.
To exercise these rights, please contact us via the Contact page.
Third-Party Links and Services
Our website may contain links to third-party websites, applications, or services. These external sites are not operated by us, and we have no control over the content, privacy practices, or security of these websites or services. Once you leave our website by clicking a link to a third-party site, this Privacy Policy no longer applies. We encourage you to review the privacy policies of any third-party services before providing any personal information.
We are not responsible for any third-party sites or services, nor do we endorse or make any representations about them.
Children's Privacy
Our Services are intended for individuals aged 18 and older. We do not knowingly collect or solicit personal information from children under the age of 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete that information from our systems. If you believe that we may have collected information from a child under 18, please contact us promptly.
Changes to this Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our data practices or applicable laws. We will notify you of any significant changes by posting the updated Privacy Policy on our website or through other communication channels.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, your personal information, or your rights as a data subject, please contact us through our Contact Page. We’re committed to addressing your concerns promptly and transparently.
Thank you for entrusting us with your personal information. We are dedicated to providing you with a secure and satisfying experience on our platform.