Invest Manage Guide ("we," "our," or "us") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices you have regarding your data when you use our website, mobile applications, or any finance and wealth management services we offer.
1. Information We Collect
We collect information in three ways: information you provide directly, information collected automatically, and information from third-party sources.
- Personal Identifiers: Full name, email address, phone number, mailing address, date of birth, and Social Security Number (for credit applications).
- Financial Information: Income, employment history, bank account details, credit score, existing debts, assets, and tax identification numbers.
- Account Data: Username, password (stored encrypted), security questions, and login history.
- Usage Data: IP address, browser type, device information, pages visited, click patterns, and time spent on pages.
- Cookies and Tracking: We use cookies, pixels, and similar technologies to improve your experience and deliver relevant content.
2. How We Use Your Information
We use your information for the following lawful purposes:
- To process loan applications, open accounts, and deliver wealth management services.
- To verify your identity and perform credit checks with your consent.
- To communicate with you regarding your account, services, and updates.
- To send marketing communications (only with your opt-in consent).
- To comply with legal, regulatory, and tax obligations.
- To detect, prevent, and address fraud and security threats.
- To improve our website, services, and customer experience.
3. Legal Basis for Processing
For users in jurisdictions with data protection laws such as GDPR and CCPA, we process your personal data based on: contractual necessity, your explicit consent, legitimate business interests, and legal compliance obligations.
4. How We Share Information
We never sell your personal data. We share information only with:
- Service Providers: Payment processors, credit bureaus, document-signing platforms, and cloud hosting services bound by confidentiality agreements.
- Lending Partners: When you apply for a loan, we share relevant data with our banking partners to facilitate approval.
- Regulatory Authorities: When required by law, subpoena, or court order.
- Business Transfers: In connection with a merger, acquisition, or sale of assets.
5. Data Security
We implement industry-leading safeguards including 256-bit SSL/TLS encryption, SOC 2 Type II compliant infrastructure, biometric multi-factor authentication, regular penetration testing, and role-based access controls. While no system is 100% secure, we continuously invest in state-of-the-art protection.
6. Data Retention
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Financial records are kept for a minimum of 7 years per IRS regulations. You may request earlier deletion subject to legal obligations.
7. Your Rights
Depending on your jurisdiction, you have the right to:
- Access the personal information we hold about you.
- Correct inaccurate or incomplete data.
- Request deletion of your data (subject to legal retention requirements).
- Opt out of marketing communications at any time.
- Object to or restrict certain processing activities.
- Data portability — receive your data in a portable format.
- Not be discriminated against for exercising your rights.
8. California Residents (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to delete, and the right to opt out of the "sale" of personal information (we do not sell data).
9. Children's Privacy
Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us immediately.
10. International Transfers
Invest Manage Guide operates primarily in the United States. If you access our services from outside the USA, your information may be transferred to, stored, and processed in the United States where data protection laws may differ from your jurisdiction.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to review their policies before providing any personal information.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated "Last updated" date. Continued use of our services constitutes acceptance of the revised policy.
13. Contact Us
For privacy-related questions, data requests, or to exercise your rights:
Invest Manage Guide — Privacy Office
91-1033 Kaiapo St, Ewa Beach, Hawaii 96706, USA
Email: privacy@investmanageguide.com
Phone: (760) 324-5613