Personal Financial Development in the USA

Privacy Policy

Last updated: November 10, 2023

At Personal Financial Development, we respect your privacy and are committed to protecting your personal data. This privacy policy explains how we collect, use, process, and store your information when you visit our website or use our services.

Please read this privacy policy carefully to understand our practices regarding your personal data. By using our website and services, you acknowledge that you have read and understood this policy.

1. What Data We Collect

We may collect and process the following categories of personal information:

• Personal Identifiers: Name, email address, phone number, postal address, and other similar identifiers when you contact us, subscribe to our newsletter, or use our services.
• Financial Information: When you purchase our services or enroll in consultations, we may collect payment details, transaction history, and financial account information.
• Professional Information: Employment status, income level, investment preferences, and financial goals when you request financial planning services.
• Online Activity Information: We automatically collect certain information when you visit our website, including:
  • IP address
  • Browser type and version
  • Operating system
  • Pages visited and time spent on pages
  • Referral source
  • Device information
• Communications: We keep records of your communications with us, including emails, form submissions, and chat transcripts.

2. How We Use Your Data

We use your personal information for the following purposes:

• To Provide Our Services: Processing your requests, providing financial consultations, delivering purchased services, and managing your account.
• To Communicate With You: Responding to your inquiries, sending service-related communications, and providing customer support.
• For Marketing Purposes: With your consent, sending newsletters, promotional materials, and other information about our services that may be of interest to you.
• To Improve Our Website and Services: Analyzing usage patterns, conducting research, and gathering feedback to enhance user experience.
• For Legal and Security Purposes: Detecting and preventing fraud, enforcing our terms and conditions, and complying with legal obligations.
• For Business Operations: Processing payments, maintaining business records, and conducting internal administrative activities.

3. Cookie Policy

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. Cookies are small text files stored on your device that help us recognize your browser and remember certain information.

Types of Cookies We Use:

• Essential Cookies: These are necessary for the website to function properly and cannot be disabled in our systems.
• Analytical/Performance Cookies: These cookies allow us to recognize and count visitors and see how they move around our website. This helps us improve website functionality.
• Functionality Cookies: These cookies enable the website to provide enhanced functionality and personalization, such as remembering your preferences.
• Targeting Cookies: These cookies record your visit to our website, the pages you visit, and the links you follow to deliver more relevant ads.

Managing Cookies:

You can control and manage cookies in various ways. Most web browsers allow you to manage your cookie preferences. You can:

• Delete cookies from your device
• Block cookies by activating browser settings
• Choose to accept or decline cookies when prompted

Please note that disabling certain cookies may affect the functionality of our website.

4. Your Rights

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

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Rectification: You can request that we correct any inaccurate or incomplete personal information.
• Right to Erasure: In certain circumstances, you can request that we delete your personal information.
• Right to Restrict Processing: You can ask us to temporarily or permanently stop processing your personal information.
• Right to Data Portability: You can request to receive your personal information in a structured, commonly used, machine-readable format.
• Right to Object: You can object to the processing of your personal information for direct marketing purposes or based on our legitimate interests.
• Right to Withdraw Consent: Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided in the "Contact Information" section below.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include:

• Encryption of sensitive data
• Secure network architecture and firewall protection
• Regular security assessments and testing
• Access controls and authentication procedures
• Staff training on data protection and security

While we take all reasonable steps to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. Therefore, we cannot guarantee absolute security of your data.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including to satisfy any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider:

• The amount, nature, and sensitivity of the personal data
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data
• Whether we can achieve those purposes through other means
• Legal requirements

In some circumstances, we may anonymize your personal information so that it can no longer be associated with you, in which case we may use such information without further notice to you.

7. Third-Party Sharing and International Transfers

We may share your personal information with the following categories of third parties:

• Service Providers: Companies that provide services on our behalf, such as payment processing, email delivery, hosting, analytics, and customer support.
• Professional Advisors: Lawyers, bankers, auditors, and insurers who provide consultancy, legal, banking, accounting, insurance, and other related services.
• Regulatory Authorities: Government bodies, regulators, law enforcement agencies, courts, and other authorities as required by law.

Some of our service providers may be located outside your country of residence. When we transfer your personal data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy and applicable law.

8. Children's Privacy

Our website and services are not directed at individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected personal information from a child, please contact us immediately, and we will take steps to delete such information.

9. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The updated policy will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically to stay informed about how we are protecting your information.

10. Contact Information

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us at:

We will respond to your request within a reasonable timeframe and in accordance with applicable data protection laws.