Fiat Lux Financial Planning is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, and disclose personal information when you visit our website, https://fiatluxfp.com interact with our services, and make use of the features we offer. Additionally, it outlines the choices you have regarding your personal information and the communication preferences you may set.

At Fiat Lux Financial Planning, your trust is important to us. We recognize that some of the information you share with us, such as financial data or personal information for tax filings, is highly sensitive. We are dedicated to maintaining its confidentiality and security.

Information We Collect

We may collect the following types of personal information when you interact with our Site, request services, or communicate with us:

Identifying Information:

• Name
• Email address
• Phone number
• Mailing address
• Date of birth (when required for specific financial services)
• Social security number (when required for tax-related services)

Financial and Tax Information:

• Income details
• Financial records (bank statements, investment information, etc.)
• Tax filing history or information for current tax filings
• Any other financial details you share with us to provide personalized financial services, planning, and consulting

Technical Information:

• IP address
• Browser type and version
• Device information (e.g., mobile or desktop)
• Pages viewed on our website
• Time spent on specific pages and overall website interaction (for analytics purposes)

Other Information:

Any other details you choose to provide when interacting with our contact forms or customer service.

Consent for Communication

By submitting the contact form and checking the consent box, you consent to receive communications from Fiat Lux Financial Planning through SMS, phone calls, emails, or other mediums related to our services, updates, reminders, and other essential communications. This consent also extends to receiving information about promotions, financial planning tips, tax reminders, and other service-related updates that we believe may be of interest to you.

You have the option to opt-in (subscribe) to communication, as well as the option to opt-out (unsubscribe) at any time. We respect your preferences, and you may change your communication choices whenever necessary.

Consent Breakdown by Communication Medium:

1. SMS Communications

By opting in to SMS communication through the checkbox on our contact form, you agree to receive text messages from Fiat Lux Financial Planning. These may include:

• Service updates or reminders
• Appointment reminders and follow-ups
• Tax filing reminders or deadlines
• Promotional offers and information on financial planning services
• Other relevant information that we believe may be of value to you

Opt-Out Instructions for SMS:

• To stop receiving text messages, reply “STOP” to any message we send you.
• Alternatively, you can opt-out at any time by contacting us directly through email or our website’s contact page.
• For more information or help with SMS communication, reply “HELP” to any message or contact us via email.

2. Phone Call Communications

By opting in to phone call communication, you consent to receive phone calls from Fiat Lux Financial Planning. These may include:

• Client onboarding calls or consultations
• Updates or changes regarding your financial planning
• Tax filing status and reminders
• General service updates or feedback requests
• Promotional information regarding our services

Opt-Out Instructions for Phone Calls:

• You can request not to receive phone calls by contacting us directly through our website, phone number, or by selecting the opt-out option in future communications.
• To help us comply with your preferences, please ensure your contact information is up-to-date.

3. Email Communications

By opting in to email communication, you agree to receive emails from Fiat Lux Financial Planning, which may include:

• Newsletters and updates on financial services
• Tax reminders or information
• Promotions, events, or offers relevant to our financial services
• Reports, personalized advice, and updates related to your financial planning
• Other educational content and resources related to finance and taxes

Opt-Out Instructions for Emails:

• You may opt out of receiving marketing emails by clicking the “unsubscribe” link at the bottom of any email.
• If you wish to stop receiving all communications, including important service-related emails, please contact us directly.

How We Use Your Information

We may use the personal information we collect for various purposes, including:

• To provide and maintain our services
• To communicate with you, including responding to your inquiries and providing customer support
• To send you updates, reminders, and other essential communications related to your financial planning and tax filings
• To send you marketing communications, such as newsletters or promotional emails, that may be of interest to you (you may opt out of receiving these communications at any time).
• To personalize your experience on our Site and offer tailored financial advice or planning services
• To ensure compliance with applicable legal and regulatory obligations, including those related to tax filings and financial services
• To improve our website’s functionality and user experience through cookies and analytics

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to analyze how visitors use our website. Google Analytics collects information such as:

• IP address
• Browser type and version
• Pages viewed on our website
• Time spent on our site
• Referring URLs
• Device information

Google Analytics uses cookies and similar technologies to collect and store this information, which is then transmitted to and stored by Google’s servers. Google uses this data to evaluate your use of the website and to compile reports on website activity.

You can opt-out of Google Analytics tracking by using the Google Analytics opt-out browser add-on available here: https://tools.google.com/dlpage/gaoptout.

Compliance with GDPR and Other Privacy Laws: As part of our compliance with the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and the California Privacy Rights Act (CPRA), we provide the following rights to individuals:

• Right to Access: You have the right to request access to the personal information we hold about you.
• Right to Rectification: You can request corrections to any inaccuracies in your personal information.
• Right to Deletion: You can request that we delete your personal data, subject to certain exceptions.
• Right to Portability: You can request to receive your personal information in a structured, commonly used format.
• Right to Restrict Processing: You can request that we restrict the processing of your personal data.
• Right to Object: You can object to the processing of your personal data in certain circumstances.

To exercise any of these rights, please contact us using the contact details provided at the end of this Privacy Policy.

Data Security

We take appropriate measures to protect the security of your personal and financial information. These measures include:

• Using encryption for sensitive data transmission
• Limiting access to your personal information to authorized personnel only
• Implementing strong security protocols on our website and systems
• Regular security audits and updates to prevent unauthorized access

However, please note that while we make reasonable efforts to secure your information, no method of transmission over the internet or method of electronic storage is entirely secure, and we cannot guarantee absolute security.

Disclosure of Personal Information

We do not share your personal or financial information with companies, organizations, or individuals outside Fiat Lux Financial Planning except in the following circumstances:

• With Your Consent: We will share your information only with your explicit consent for specific purposes.
• To Comply with Legal Obligations: We may disclose your information to comply with applicable laws, regulations, or legal processes, such as subpoenas, court orders, or government requests.
• To Enforce Our Policies: We may disclose your information to enforce our agreements, policies, and terms of service.
• To Protect Rights and Safety: We may disclose your information to protect our rights, property, or safety, as well as the rights, property, or safety of others.

Please note that your financial and tax-related information is considered privileged and confidential. We do not disclose or share this data with third parties, except as required by law or with your express consent for specific services (e.g., tax filings with government authorities).

Children’s Privacy

Our Site and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us so that we can take appropriate action to delete such information.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies on our Site to enhance your experience. These technologies help us:

• Analyze how our website is used
• Improve functionality and performance
• Customize content and advertisements based on your preferences

Cookie Usage:

• We may use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period of time).
• You have the option to manage or disable cookies through your browser settings. However, please note that disabling cookies may affect your experience on our Site.

For further details, please refer to our Cookie Policy.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. When we make changes, we will post the updated Privacy Policy on this page and update the “Last Updated” date at the top of the policy. We encourage you to review this Privacy Policy periodically for any updates or changes.

Contact Us

If you have any questions or concerns about this Privacy Policy, or if you would like to update your preferences or opt-out of communications, please contact us:

• By submitting the contact form on our website
• By sending an email to [info@example.com]
• By calling our customer support line at +1 (307) 800-1307
• By texting us at +1 (307) 800-1307