Last Updated: October 28, 2023

• Privacy Notice for California Residents: This Privacy Notice complements Financial Consulting Group Privacy Policy, available on Https://www.financialconsultinggroupllc.com (the “Site”). The Site is owned and operated by Financial Consulting Group (“Company,” “we,” “us,” or “our”). It is exclusively applicable to California residents (“Users”) and adheres to the California Consumer Privacy Act of 2018 (“CCPA”) and other relevant California State privacy laws. All terms defined in the CCPA have the same meaning when used in this Privacy Notice. Users with disabilities can request an alternative format of this notice by contacting us at support [email protected] or through U.S. mail at 2108 N St. STE N, Sacremento, CA 95816.

Request for Deletion

• You have the right to request the deletion of any personal information we collected and retained from you, subject to certain exceptions. Upon receipt and verification of your verifiable User request, we will delete (and instruct our service providers to delete) your personal information from our (their) records, unless an exception applies.
• We may deny your deletion request if retaining the information is necessary for us or our service providers to:
  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise fulfill our obligations under our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if your deletion may render the research impossible or seriously impair its achievement, provided you previously provided informed consent.
  • Enable solely internal uses that align with User expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

 

Your Access Rights and Data Portability

• You maintain the right to request that we divulge specific information about our collection and utilization of your personal information during the preceding twelve (12) months. Once we receive and verify your verifiable User request, we will disclose the following:
• The categories of personal information we collected about you.
• The categories of sources from which we obtained your personal information.
• Our business or commercial purpose for collecting or selling that personal information.
• The specific pieces of personal information we collected about you (also known as a data portability request).
• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists:
  • sales, identifying the categories of personal information each recipient category purchased;
  • disclosures for a business purpose, identifying the categories of personal information each recipient category obtained.

 

Exercising Opt-Out Rights

• You retain the right to opt-out of the use of your personal information. To exercise this right, please submit a verifiable User request using one of the following methods:
• Email: [email protected]
• U.S. Mail: 2108 N St. STE N, Sacremento, CA 95816
• We will make every effort to address all opt-out requests expeditiously, typically within fifteen (15) days of receiving your request.

 

Our Policy on Sharing Personal Information

• We are committed to not sharing, renting, and/or selling your personal information with/to third parties or affiliate marketers for marketing purposes.

 

Use of Personal Information

• The personal information collected may be used or disclosed for one or more of the following business purposes:
  • To fulfill or meet the reason for providing the information. For example, using personal information to respond to price quote and/or other information requests about mortgage-related products and services on the Site.
  • To provide you with requested information, products, or services.
  • To create, maintain, customize, and secure your account with us.
  • To enable your participation in sweepstakes or promotions featured on the Site.
  • To send you e-mail, direct mail, and telemarketing messages related to specific Company products and/or services, and third-party products and/or services that may interest you.
  • To deliver relevant Site content and advertisements and assess the effectiveness of the advertising served to you.
  • To fulfill our contractual obligations and enforce our rights as outlined in agreements between you and us, including the Site’s Terms and Conditions.
  • To enhance the Site and improve its content presentation to you.
  • For customer service purposes and to respond to your inquiries.
  • For testing, research, analysis, and product development.
  • To protect our rights, property, or safety, and those of our clients or others.
  • To comply with law enforcement requests and adhere to applicable law, court orders, or governmental regulations.
  • As disclosed when collecting your personal information or as described in the CCPA.
  • To assess or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, with personal information held by us being among the transferred assets.

We will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing you with notice.  

Empowering Your Choices and Rights

• If you are a California resident, the CCPA affords you particular rights pertaining to your personal information. This section elucidates your CCPA rights and provides instructions on how to utilize them.

 

Sources of Personal Information

• Our sources of the listed personal information categories include:
  • Directly from our Users, such as through online registration forms submitted in relation to the products and/or services available on the Site.
  • Indirectly from our Users, which may involve information collected while providing them with products and/or services.
  • Directly and indirectly from activity on the Site, encompassing browser types (e.g., Safari, Chrome, Internet Explorer), IP addresses, operating systems (e.g., Windows or iOS), and Internet Service Provider domain names. Additionally, certain Site usage details and analytics are collected automatically by us and our third-party partners, including Google® and Hotjar®.
  • Through interactions on our social media accounts, such as Users’ comments and likes on our posts.
  • Directly from Users via online registration forms used to participate in promotions or sweepstakes featured on the Site.
  • From third parties involved in interactions related to the products and/or services we offer to our Users. For example, third-party entities assisting with direct and electronic mail, data analysis, and marketing analysis.
  • From publicly available sources, including Internet search engines.

 

Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device (“personal information”). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver’s license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
F. Internet or other similar network activity.	Browsing history, search history, information on a User’s interaction with a website, application or advertisement.	YES
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES

 

Exercising Access, Data Portability, and Deletion Rights

• To exercise your access, data portability, and/or deletion rights as described above, please submit a verifiable User request to us by:
  • Emailing us at [email protected]; or
  • Sending us U.S. mail to: 2108 N St. STE N, Sacremento, CA 95816
• Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable User request regarding your personal information.
• You may only make a verifiable User request for access or data portability twice within a 12-month period.
• The verifiable User request must:
  • Provide sufficient information that allows us to reasonably verify your identity or the authorized representative’s identity.
  • Describe your request with sufficient detail to allow us to understand, evaluate, and respond to it properly.
• We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.
• Making a verifiable User request does not require you to create an account with us.
• We will only use personal information provided in a verifiable User request to verify the requestor’s identity or authority.

 

Exclusions from Personal Information

• Personal information does not encompass the following:
  • Publicly available information obtained from government records.
  • De-identified or aggregated User information.
  • Information that falls outside the scope of the CCPA, including:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
    • Personal information protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

 

General Privacy Policy:

Last Updated October 28, 2023

Https://www.financialconsultinggroupllc.com (the “Website,” “we,” “our,” or “us”) is dedicated to safeguarding your privacy and encourages you to review our privacy policy. Your acceptance of this Privacy Notice is implied by your visit to this website.

• What This Privacy Policy Covers:
  • This policy outlines how we handle personal information collected and received by the website, including information about your past use of our products and services. Personal information includes data that can identify you, such as your name, address, email address, IP address, or phone number, which is not publicly available.
  • This policy does not apply to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

Changes to this Privacy Policy

• Policy Updates: We reserve the right to update this policy. In the event of significant changes in the way we handle personal information, we will notify you through a notice sent to the primary email you provided or by displaying a prominent notice on our site.

 

Information Collection and Use General

• The website gathers personal information during your registration process.
• Upon registration, we request details like your name, address, phone number, email address, and zip code. Once you complete the registration and access our services, you are no longer anonymous to us.
• We collect information about your transactions with us, including your usage of the financial products and services we provide.
• The website automatically receives and records information in our server logs from your browser, including your IP address, cookie information, and the pages you request.
• We utilize the gathered information for various general purposes: to fulfill your requests for products and services, enhance our services, contact you, and conduct research.
• We reserve the right to send you specific communications related to our services, such as service announcements, administrative messages, special offers, and a website Newsletter.
• We may share your personal information with regulatory bodies as required by the Federal Telephone Consumer Protection Act (TCPA). However, we will never sell or rent your email address or other personally identifying information to third-party commercial entities or affiliate marketers. We may use your personal information to communicate with you about offers from the website. You may also receive certain communications regarding our services, such as service announcements, administrative messages, special offers, and a Newsletter.

 

Information Sharing and Disclosure

• Information You Give Us: Whenever you provide information on our website or through other means, we receive and store it. While you have the option not to disclose certain details, doing so may limit your access to many of our features. The information you share is used for purposes such as responding to your requests, personalizing your future shopping experiences, improving our stores, and maintaining communication with you.
• Automatic Information: Whenever you interact with us, we receive and store certain types of information. Similar to many websites, we use “cookies,” and this site obtains certain types of information when your Web browser accesses it.
• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, postal mail and email communications, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and customer service. While they have access to the personal information required for their tasks, they may not use it for other purposes.
• Subpoenas and Legal Process: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.
• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.
• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before such transfer takes place and your information becomes subject to a different privacy policy, we will notify you.

 

GDPR and CASL Compliance

• Unfortunately, we are unable to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations grant certain rights to their citizens that differ from those in the United States. As a result, we do not accept registrations from any citizen outside the United States. Our services are exclusively tailored for United States citizens. To the best of our knowledge, we have removed all data related to European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please notify us at [email protected].

 

Confidentiality and Security

• We restrict access to your personal information only to employees whom we believe reasonably require it to provide you with products or services or perform their job duties.
• We have implemented physical, electronic, and procedural safeguards that adhere to federal regulations to ensure the protection of your personal information.

 

Cookies

• We utilize cookies to set and access information on your computer, assisting us in Web Site and Systems Administration.
• Cookies, alphanumeric identifiers transferred through your Web browser to your computer’s hard drive, allow our systems to recognize your browser and provide features like storing items in your Shopping Cart between visits.

 

Do Not Track Browser Settings

• Advertisers have the ability to gather data about your online browsing activity and utilize it to display targeted ads, a process referred to as “behavioral advertising.” To avoid receiving targeted ads, you can exercise the option to opt-out of such services with the respective providers. It’s important to note that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. You have the freedom to opt-out of behaviorally targeted ads at any time by deleting your browser’s cookies.

 

Terms of Service

Last Updated: October 28, 2023

Non-Discrimination

• We value your CCPA rights and will not discriminate against you for exercising them.
• Your access to goods and services will not be affected based on your choices.
• We will not apply different prices, rates, or penalties related to goods or services.
• No variations in the level or quality of goods or services will be imposed for exercising your CCPA rights.
• Your exercise of CCPA rights will not influence any suggested changes in price, rate, level, or quality of goods or services.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site’s homepage.  

Contact Information

• If you have any questions, comments, or concerns regarding this Privacy Notice, our Privacy Policy, or the usage of your personal information, as well as your California rights, don’t hesitate to get in touch with us.
• Email us at: [email protected]
• Send your inquiries via U.S. mail to: 2108 N St. STE N, Sacremento, CA 95816

 

Detailed Wireless and SMS Policy

• Data obtained in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
• In addition to any fee you are informed about, your provider’s standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.
• All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of SMS messages, as delivery is subject to effective transmission from your network operator.
• SMS message services are provided on an AS IS basis.

• We may utilize personal information to fulfill the services you requested, including delivering customized content and advertising.
• Furthermore, we may use personal information for auditing, research, and analysis to operate and enhance our technologies and services.
• We may share aggregated and non-personal information with third parties.
• When involving third parties to process your personal information, we ensure compliance with our Privacy Policy and appropriate confidentiality and security measures.
• In specific situations, we may share information with third parties, such as complying with legal processes, preventing fraud or imminent harm, and safeguarding our network and services.

• You have the right to remove your information from our database.
• By choosing to remove your information, it will no longer be used for secondary purposes by us or used to send promotional correspondence.
• To remove your information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• If you have inquiries, want to opt-out of any communication (phone, email, SMS, or otherwise), or require further details about this Privacy Policy, please contact us at [email protected] or send us a letter to 2108 N St. STE N, Sacremento, CA 95816.

 

Wireless and SMS Policy

• We may use personal information to fulfill the services you requested, which include providing customized content and advertising.
• Standard messaging rates from your provider will apply to our confirmation and all subsequent SMS correspondences, in addition to any mentioned fees.
• If you wish to opt-out and remove your SMS information, simply respond with “STOP,” “END,” or “QUIT” to the SMS text message you received.
• Upon removing your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence.

 

Response Timing and Format

• We strive to respond to all verifiable User requests within forty-five (45) days of receipt.
• If more time (up to ninety (90) days) is needed, we will provide you with a written explanation for the delay and extension period.
• We will deliver our response either by mail or electronically, as per your preference.
• Disclosures will only cover the twelve (12) months preceding the receipt of your verifiable request.
• The response will also include reasons if we cannot comply with a request, if applicable.
• For data portability requests, we will choose a readily useable format to provide your personal information, allowing seamless transmission to another entity.

• We do not charge a fee to process or respond to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.
• If we determine a fee is necessary, we will provide you with a cost estimate and explain the reason for the decision before fulfilling your request.