Flash Finance Phile ("we," "us," "our") respects your privacy. This policy explains what information we collect through flashfinancephile.com, how we use it, and the choices you have. It applies to all visitors, prospective clients, and clients across the United States.
1. Who We Are
Flash Finance Phile is a fee-only financial planning and consulting practice headquartered at 8828 S Upper Twin Lks Shr, Rathdrum, Idaho 83858, USA. For any privacy question or request, contact us at info@flashfinancephile.com or (208) 687-0157.
2. Information We Collect
- Information you give us: name, email address, phone number, mailing address, preferred appointment times, and any details you include in booking forms, contact forms, newsletter signups, or consultations.
- Client engagement information: with your authorization during an engagement, documents relating to income, assets, debts, credit reports, insurance, and goals — used solely to prepare your financial plan.
- Automatic technical data: IP address, browser type, device type, pages visited, and referral source, collected only in aggregate for site performance and security.
3. How We Use Your Information
- To respond to enquiries and schedule the sessions you request;
- To prepare and deliver financial planning and consulting services;
- To send the newsletter you opted into — and nothing more;
- To meet legal, regulatory, and record-keeping obligations applicable to financial professionals;
- To protect the security and integrity of our website and client data.
We do not sell, rent, or trade your personal information. Ever. We do not share it with advertisers or data brokers.
4. Legal Bases for Processing
Where applicable law requires a basis, we process your data because you consented (forms, newsletter), because it is necessary to perform our contract with you (client services), because we have a legitimate interest in operating and securing our practice, or because a legal obligation requires it.
5. Sharing & Service Providers
We share information only with: (a) service providers who help us operate — secure hosting, email delivery, scheduling tools — each bound by confidentiality obligations; (b) custody and investment platforms you expressly authorize us to use; (c) your CPA, attorney, or other professionals at your written direction; and (d) authorities where the law compels disclosure. These parties may not use your information for their own purposes.
6. Cookies & Analytics
Our website uses only essential cookies necessary for functionality and privacy-friendly, aggregate analytics to understand which pages help visitors most. We do not use advertising cookies, cross-site trackers, or fingerprinting. You can block cookies in your browser settings; the site will continue to function.
7. Data Retention
Enquiry and newsletter data is kept while the purpose persists or until you ask us to delete it. Client engagement records are retained for the period required by applicable financial-records regulations (typically no less than five to seven years), after which they are securely destroyed.
8. Data Security
We apply industry-standard safeguards: 256-bit TLS encryption for data in transit, encryption at rest for stored documents, role-based internal access on a need-to-know basis, multi-factor authentication on internal systems, and periodic security reviews. No system is perfectly secure, but we treat your data with the same care as our own.
9. Your Rights & Choices
- Access & correction: request a copy of the personal data we hold about you, or correct it.
- Deletion: ask us to delete personal data we are not legally required to retain.
- Opt-out: unsubscribe from the newsletter at any time via the link in any email or our unsubscribe page.
- State privacy rights: if you are a resident of states with comprehensive privacy laws (including California, Colorado, Connecticut, Virginia, and Utah), you may have additional rights to know, delete, correct, and port your data, and to be free from discrimination for exercising them. We honor verified requests from all states.
- Do Not Track: our site does not respond to DNT signals because we do not engage in cross-site tracking.
To exercise any right, email info@flashfinancephile.com. We respond within 30 days.
10. Children's Privacy
Our services are directed to adults. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it promptly.
11. Changes to This Policy
We may update this policy as our practice evolves. Material changes will be noted with a new "last updated" date, and continued use of the site after changes constitutes acceptance of the updated policy.
12. Contact Us
Flash Finance Phile · 8828 S Upper Twin Lks Shr, Rathdrum, Idaho 83858, USA · (208) 687-0157 · info@flashfinancephile.com
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