QlarroFinancial

Privacy Policy

Effective Date:

1. Information We Collect

We may collect the following categories of information:

  • Personal Information: such as your name, email address, phone number, mailing address, and other identifiers you voluntarily provide.
  • Financial Information: data you provide when using financial planning tools, calculators, or forms (e.g., income, assets, liabilities, goals).
  • Technical Information: including your IP address, browser type, operating system, device identifiers, and usage data collected automatically.
  • Cookies and Tracking Technologies: information about your interactions with our Services to improve performance and personalize your experience.

2. How We Use Your Information

We use the information we collect for purposes including:

  • Providing, maintaining, and improving our Services.
  • Personalizing your user experience.
  • Communicating with you about updates, promotions, or support.
  • Conducting analytics to better understand how our Services are used.
  • Complying with legal obligations and enforcing our policies.
  • Supporting our engagement agreements with clients, including the delivery of financial planning services.

3. Confidentiality in Professional Engagements

As part of providing financial planning services, we are committed to maintaining strict client confidentiality. Information you provide to us in the context of a professional engagement is protected under the terms of our engagement letter and professional standards. This Privacy Policy works in conjunction with those agreements to ensure your personal and financial information remains confidential.

4. Sharing of Information

We may share your information as follows:

  • With Service Providers: third parties that perform services on our behalf (e.g., hosting, analytics, email delivery).
  • For Legal Reasons: if required by law, regulation, or legal process, or to protect our rights and users.
  • In Business Transfers: such as mergers, acquisitions, or asset sales.
  • With Consent: when you have given us specific permission to share your information.

We do not sell your personal information.

5. Cookies and Tracking Technologies

  • We use cookies, web beacons, and similar technologies to improve functionality, analyze usage, and deliver relevant content.
  • You can manage cookie preferences through your browser settings, though disabling cookies may limit your use of certain features.

6. Data Security

  • We use reasonable technical, administrative, and physical safeguards to protect your information.
  • However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security.

7. Data Retention

  • We retain your information only as long as necessary for the purposes outlined in this Privacy Policy, as required by law, and consistent with professional standards.
  • When no longer needed, data is securely deleted or anonymized.

8. Your Rights and Choices

Depending on your jurisdiction, you may have rights regarding your personal information:

  • Accessing and obtaining a copy of your data.
  • Requesting correction or deletion of your data.
  • Restricting or objecting to processing of your data.
  • Withdrawing consent where processing is based on consent.
  • Requesting data portability.

To exercise these rights, please contact us at jammy.pate@gmail.com.

9. Children's Privacy

  • Our Services are not directed toward children under the age of 13 (or the age of majority in your jurisdiction).
  • We do not knowingly collect information from children. If we learn we have done so, we will take steps to delete such information promptly.

10. International Users

If you access our Services from outside the United States, your information may be transferred to and processed in the United States where data protection laws may differ.

11. Third-Party Links

Our Services may include links to third-party websites. We are not responsible for the privacy practices of these third parties.

12. Changes to this Privacy Policy

We may update this Privacy Policy periodically. The updated version will be indicated by an updated "Effective Date." Your continued use of the Services after changes indicates acceptance of the updated policy.