IbyFin · Where Clarity Builds Legacy

Privacy Policy

Effective Date: November 17, 2025  ·  Last Updated: July 17, 2026

1. Information We Collect

Information you provide directly

• Contact and inquiry details — name, email address, phone number, and state of residence when you complete our contact form, qualification questionnaire, or appointment booking.
• Financial planning context — general information you choose to share, such as your primary financial goals, life stage, household income range, and planning timeline. We ask for ranges, not exact figures, and we do not request Social Security numbers, account numbers, or passwords through this Site.
• Communications — the content of emails, messages, or forms you send us.

Information collected automatically

• Usage data — pages visited, links clicked, time on page, referring website, and general interaction with our tools and calculators.
• Device data — browser type, operating system, device type, and IP address.
• Cookies and similar technologies — small files stored on your device that help the Site function and help us understand how visitors use it. See Section 6.

Information from third-party tools

• Scheduling — when you book an appointment, our scheduling provider (Calendly) collects your name, email, and selected meeting time under its own privacy policy.
• Analytics and advertising — we use Google services (including Google Analytics) which may collect usage data as described in Google’s privacy policy.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and schedule and prepare for appointments;
• Provide, personalize, and improve our services, content, tools, and calculators;
• Send you educational content, newsletters, and updates you have opted in to receive;
• Contact you by email or phone regarding your inquiry, where you have consented;
• Analyze Site performance and improve user experience;
• Comply with legal, regulatory, and record-keeping obligations;
• Protect against fraud, abuse, and security risks.

We do not sell your personal information.

3. Communications and Consent

If you provide your phone number and consent to be contacted, we may contact you by phone, email, or text message regarding your inquiry. Message and data rates may apply. You may opt out of marketing emails at any time using the unsubscribe link in any message, and you may opt out of text messages by replying STOP. Opting out of marketing does not affect communications necessary to service an existing relationship.

4. How We Share Information

We may share your information with:

• Service providers who perform functions on our behalf, such as scheduling (Calendly), website hosting, email delivery, analytics (Google), and customer relationship management — only as needed to perform those functions;
• Financial product carriers and partners, only when you engage us for services and sharing is necessary to implement your plan, and only with your knowledge;
• Professional advisors such as attorneys and accountants, where reasonably necessary;
• Legal and regulatory authorities, where required by law, subpoena, or to protect our rights, safety, or property;
• A successor entity in connection with a merger, acquisition, or sale of assets, in which case this policy will continue to apply to your information.

We do not share your personal information with unaffiliated third parties for their own marketing purposes.

5. Third-Party Links and Tools

The Site contains links to third-party websites and embedded third-party tools (including Calendly scheduling, social media platforms, and financial calculators). We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies before providing information.

6. Cookies and Analytics

We use cookies and similar technologies to operate the Site, remember preferences, and measure Site traffic. We use Google Analytics to understand how visitors use the Site; Google may set its own cookies. You can control cookies through your browser settings, and you can opt out of Google Analytics using Google’s opt-out browser add-on. Disabling cookies may affect some Site functionality.

If advertising services are active on the Site, third parties may use cookies to serve ads based on prior visits to this or other websites. You may opt out of personalized advertising through Google Ads Settings.

7. Data Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. Please do not submit sensitive information such as Social Security numbers or account credentials through this Site.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to service our relationship with you, and to comply with legal, regulatory, and record-keeping requirements applicable to financial services professionals, after which it is deleted or de-identified.

9. Your Privacy Rights

Depending on your state of residence, you may have rights regarding your personal information, which may include the right to:

• Access — request confirmation of whether we process your personal information and receive a copy of it;
• Correction — request that inaccurate personal information be corrected;
• Deletion — request deletion of personal information we hold about you, subject to legal retention requirements;
• Opt out — opt out of targeted advertising or the sale of personal information (we do not sell personal information);
• Portability — receive your information in a portable format.

Texas residents: Under the Texas Data Privacy and Security Act, Texas residents may exercise the rights above. To submit a request, contact us using the information in Section 13. If we decline your request, you may appeal by replying to our decision, and we will respond to your appeal as required by law.

Residents of other states with comprehensive privacy laws may have similar rights. We will honor valid requests as required by applicable law and will not discriminate against you for exercising your rights. We may need to verify your identity before fulfilling a request.

10. Children’s Privacy

The Site is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, contact us and we will delete it.

11. Do Not Track

Some browsers offer a “Do Not Track” signal. Because there is no common standard, the Site does not currently respond to these signals.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last Updated” date. Material changes will be communicated through the Site. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

For questions about this Privacy Policy or to exercise your privacy rights:

All material presented on this Site is intended for informational purposes only and does not constitute financial, legal, or tax advice.