1. Introduction
Finance Master Point ("we", "our", or "us"), headquartered at 63 E 100th N, Monroe, Utah 84754, USA, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website financemasterpoint.com, use our services, or interact with our representatives.
We comply with the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), Utah Consumer Privacy Act (UCPA), and applicable federal and state financial privacy laws. By using our services, you agree to the practices described in this policy.
2. Information We Collect
2.1 Personal Information You Provide
- Identity data: Full name, date of birth, Social Security Number (for regulated services), government-issued IDs.
- Contact data: Email address, phone number, physical mailing address.
- Financial data: Income, employment status, bank account details, credit reports, loan history, assets, liabilities, investment objectives.
- Service preferences: Risk tolerance, financial goals, service selections, correspondence.
- Communications: Messages, call recordings (with consent), email correspondence.
2.2 Information Collected Automatically
- Technical data: IP address, browser type, device identifiers, operating system.
- Usage data: Pages viewed, time on site, click paths, referral sources.
- Location data: Approximate geographic location derived from IP.
2.3 Information From Third Parties
- Credit bureaus (TransUnion, Equifax, Experian) for loan underwriting.
- Employment verification services.
- Financial account aggregators (with your authorization).
- Identity verification providers (e.g., Jumio, Plaid).
3. How We Use Your Information
We use collected information for the following legitimate business purposes:
- Service delivery: Processing loans, managing investment accounts, filing taxes, issuing insurance policies.
- Account management: Creating and maintaining your client profile, verifying identity, communicating about your account.
- Financial analysis: Assessing creditworthiness, building personalized financial plans, monitoring portfolio performance.
- Customer support: Responding to inquiries, troubleshooting issues, processing requests.
- Security & fraud prevention: Detecting suspicious activity, preventing identity theft, complying with AML/KYC requirements.
- Legal compliance: Meeting reporting obligations to the IRS, SEC, FINRA, state regulators, and law enforcement.
- Marketing (with consent): Sending newsletters, service updates, and educational content. You may unsubscribe anytime.
- Analytics & improvement: Improving our website, services, and user experience.
4. Information Sharing & Disclosure
We do not sell, rent, or trade your personal information. We share data only with:
- Service providers: Payment processors, cloud storage (SOC 2 certified), CRM platforms, identity verification services — all under strict confidentiality agreements.
- Lending partners: Banks and credit unions when processing loan applications on your behalf.
- Insurance carriers: When quoting or binding policies you request.
- Custodians: SIPC-member brokerages that hold investment assets.
- Regulators: When required by law, subpoena, or regulatory examination.
- Professional advisors: Attorneys, CPAs, or consultants assisting in your representation (with your consent).
- Business transfers: In the event of merger, acquisition, or asset sale, with notice and right to opt out.
5. Data Security
We implement enterprise-grade safeguards to protect your information:
- Encryption: AES-256 at rest; TLS 1.3 in transit.
- Authentication: Multi-factor authentication (MFA) on all client accounts.
- Infrastructure: SOC 2 Type II certified data centers with 24/7 monitoring.
- Access controls: Role-based access, principle of least privilege, audit logs.
- Employee training: Annual security awareness and privacy compliance training.
- Penetration testing: Quarterly third-party security assessments.
- Incident response: Documented plan with notification within 72 hours of breach (where required by law).
While we use commercially reasonable safeguards, no system is 100% secure. You share information at your own risk and should maintain strong passwords and vigilance.
6. Cookies & Tracking Technologies
We use cookies, pixels, and similar technologies for:
- Essential cookies: Session management, security, preferences.
- Analytics: Google Analytics (anonymized IP) to understand site usage.
- Functional: Remembering form inputs, language settings.
You can manage cookie preferences via your browser settings. Disabling cookies may impair some site functions. We do not use targeted advertising cookies that sell your data.
7. Your Privacy Rights
CCPA / UCPA Rights (California & Utah Residents)
- Right to know: Request disclosure of categories and specific data we've collected.
- Right to delete: Request deletion of personal data, subject to legal exceptions.
- Right to correct: Request correction of inaccurate data.
- Right to opt-out: Of sale (we do not sell) and of sharing for cross-context advertising.
- Right to non-discrimination: For exercising your rights.
GLBA Rights (All Financial Customers)
- Annual privacy notice delivery.
- Opt-out of sharing nonpublic personal information with nonaffiliated third parties.
- Access to your own records upon request.
To exercise any right, contact privacy@financemasterpoint.com or call (435) 896-1908. We verify identity before processing requests and respond within 45 days (extendable to 90 with notice).
8. Data Retention
We retain personal information only as long as necessary for the purposes described, or as required by law:
- Active client accounts: Duration of relationship + 7 years (SEC/FINRA).
- Loan records: 7 years after payoff (ECOA, TILA).
- Tax records: 7 years after filing (IRS guidelines).
- Marketing opt-outs: Until you unsubscribe, then minimal suppression record kept indefinitely.
- Inactive accounts: Anonymized or deleted after 24 months of inactivity, unless legal holds apply.
9. Children's Privacy
Our services are not intended for individuals under 18. We do not knowingly collect data from minors. If you believe a minor has provided us with personal information, contact us immediately and we will delete the data.
10. Third-Party Links
Our website may contain links to third-party websites (e.g., lenders, insurance carriers, educational resources). We are not responsible for the privacy practices of those sites. We encourage you to read their privacy policies before submitting information.
11. International Data Transfers
Finance Master Point operates primarily in the United States. If you access our services from outside the U.S., your data may be transferred to, stored, and processed in the U.S., where privacy laws may differ. By using our services, you consent to such transfers.
12. Policy Updates
We may update this Privacy Policy periodically. Changes are posted on this page with an updated "Last Updated" date. Material changes affecting existing clients will also be communicated via email or account notification at least 30 days before taking effect. Your continued use after changes constitutes acceptance.