Welcome to Finance 360. Your privacy is of utmost importance to us. This Privacy Policy explains how we collect, use, protect, and share your personal information when you interact with our website, mobile app, and services (collectively, the “Services”). By using our Services, you agree to the practices described in this Policy.

Effective Date: July 09, 2024

1. Information We Collect

We may collect the following categories of information:
- Personal Information: Name, email address, phone number, billing address, and other contact details.
- Financial Information: Details you choose to provide, such as income, expenses, investments, budgeting inputs, and worksheets.
- Payment Information: Credit card or billing details required to process purchases and subscriptions.
- Usage Data: Device information, IP address, browser type, app features used, pages visited, and time spent on our Services.
- Cookies and Tracking Data: Data gathered through cookies, pixels, and analytics tools to improve performance and user experience.

2. How We Use Your Information

Your information may be used for:
- Service Delivery: Operating, maintaining, and improving our Services.
- Personalization: Offering customized financial insights, resources, and recommendations.
- Communications: Sending newsletters, promotional materials, product updates, and alerts.
- Support: Responding to inquiries, troubleshooting issues, and providing customer care.
- Research & Development: Conducting analysis to improve financial education tools and develop new features.
- Legal Compliance: Meeting regulatory obligations and enforcing company policies.

3. Sharing Your Information

We do not sell your personal information. We may share it in limited circumstances:
- With Service Providers: Trusted third parties that provide payment processing, hosting, analytics, email delivery, or support services. These partners are contractually bound to safeguard your information.
- For Legal Requirements: When required by law, regulation, legal process, or to protect the rights, safety, and property of Finance 360, our users, or others.
- Business Transfers: If Finance 360 is involved in a merger, acquisition, or sale of assets, user information may be transferred as part of that transaction.

4. Security

We use technical, administrative, and physical safeguards—including encryption, SSL technology, and firewalls—to protect your personal information. However, no system is completely secure. By using our Services, you acknowledge and accept the risk of unauthorized access beyond our reasonable control.

5. Your Rights

Depending on your jurisdiction, you may have the right to:

Access the personal data we hold about you.
Correct or update inaccurate information.
Request deletion of your data, subject to legal and contractual obligations.
Restrict or object to certain processing activities.
Opt out of promotional communications at any time.

Requests can be submitted to [email protected]. We will respond within legally required timeframes.

6. Cookies and Tracking Technologies

We use cookies, pixels, and analytics technologies to:

Recognize returning users
Save preferences and settings
Measure traffic and performance
Provide a smoother experience

You can manage cookie settings through your browser, though disabling cookies may affect site functionality.

7. California Privacy Rights (CCPA/CPRA Compliance)

If you are a California resident, you are entitled to the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

Right to Know: You may request details on the categories and specific personal information we have collected, used, disclosed, or shared.
Right to Delete: You may request deletion of your personal information, subject to legal exceptions.
Right to Correct: You may request correction of inaccurate information.
Right to Opt Out of Sale/Sharing: Finance 360 does not sell your personal data for money. However, some data sharing (such as with analytics providers) may qualify as “sharing” under California law. You may opt out by emailing us at [email protected] with the subject line “Do Not Share My Information.”
Right to Limit Use of Sensitive Information: If sensitive personal data is collected, you may restrict its use to core services only.
Right to Non-Discrimination: You will not be denied services, charged different prices, or face reduced quality for exercising these rights.

How to Exercise Your Rights:
Email us at [email protected] with the subject line “California Privacy Request.” We may need to verify your identity before processing your request. We will respond within 45 days, as required by law.

8. Refund Policy (Non-Negotiable)

All payments made to Finance 360 are final and non-refundable. By completing a purchase, you acknowledge that:

Refunds will not be provided once payment is processed.
This policy is binding and non-negotiable.
Users should carefully review all offerings before purchase.

9. Children’s Privacy

Our Services are not directed to children under 13 (or under 16 in some jurisdictions). We do not knowingly collect information from minors. If we discover that such data has been collected, we will delete it immediately.

10. Disclaimer

Finance 360 provides educational resources, tools, and financial wellness content. We are not licensed financial, tax, investment, or legal advisors. All information is for educational purposes only. You remain responsible for any decisions made based on our content and should consult qualified professionals before making financial or legal choices.

11. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will revise the “Effective Date” at the top and post the updated version on our site. Continued use of our Services after changes indicates acceptance of the updated terms.

8. Contact Us

If you have any questions, concerns, or feedback about this Privacy Policy or our privacy practices, please contact us at:

Email: [email protected]

Phone: (888) 850-3767