Privacy Policy

1. Information We Collect

We may collect personal information that you voluntarily provide, including but not limited to:

• Full name
• Email address
• Phone number
• Messages or information you submit through contact forms
• Any information you choose to share during consultations or communications

We do not collect sensitive personal information such as Social Security numbers, bank account numbers, or credit card information through our website.

2. How We Use Your Information

• Respond to inquiries
• Schedule consultations
• Communicate regarding requested services
• Improve website performance
• Maintain business records

3. Financial Education Disclaimer

Spencer’s Financial Solutions provides financial coaching and educational information only. We do not provide financial, legal, tax, or investment advice. Information collected is not used to provide regulated financial services or recommendations.

4. Information Sharing

We do not sell, rent, trade, or share your personal information with third parties for marketing purposes. We may disclose information only in the following limited circumstances:

• If required by law or legal process
• To protect our rights, property, or safety
• To comply with regulatory or law enforcement requests

5. Data Security

We take reasonable steps to protect your personal information using administrative, technical, and physical safeguards. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies & Analytics

Our website may use basic cookies or analytics tools to:

• Understand website traffic and usage
• Improve site performance and user experience

These tools do not collect personally identifiable financial information. You may disable cookies through your browser settings if you prefer.

7. Third-Party Services

Our website may use third-party tools such as:

• Contact form providers
• Scheduling or calendar tools
• Website hosting services

These providers have their own privacy policies and are only given access to information necessary to perform their services.

8. Your Rights

• Access your information
• Request corrections
• Request deletion where permitted

9. Children's Privacy

Our services and website are intended for individuals 18 years of age or older. We do not knowingly collect personal information from children under 18.

10. No Client Relationship Created

Submitting a contact form, sending an email, or participating in an initial consultation does not create a client relationship. A formal coaching relationship is established only after mutual agreement and acceptance of service terms.

11. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Updates will be posted on this page with a revised “Last Updated” date.

12. Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact us at information below

13. State-Specific Consumer Privacy Rights

Certain U.S. states provide residents with additional rights regarding their personal information. These rights may include the ability to access, correct, delete, or limit the use of personal data. Spencer’s Financial Solutions honors applicable state privacy laws as described below.

California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the right to:

• Request disclosure of the categories and specific pieces of personal information we collect
• Request deletion of your personal information, subject to legal and business exceptions
• Request correction of inaccurate personal information
• Opt out of the sale or sharing of personal information (note: we do not sell or share personal data)
• Not be discriminated against for exercising your privacy rights

To submit a request, contact us using the information listed in the Contact Information section of this policy. We may verify your identity before fulfilling a request.

Virginia Privacy Rights (VCDPA)

If you are a Virginia resident, you have the right to:

• Confirm whether we are processing your personal data
• Access your personal data
• Correct inaccuracies
• Delete personal data you have provided
• Obtain a copy of your personal data in a portable format.

Requests may be submitted using our contact information below.

Colorado Privacy Rights (CPA)

Colorado residents have the right to:

• Access personal data we collect
• Correct inaccurate data
• Delete personal data
• Opt out of targeted advertising, sale of personal data, or profiling

Spencer’s Financial Solutions does not engage in targeted advertising, data sales, or profiling.

Connecticut & Utah Privacy Rights

Residents of Connecticut and Utah may have similar rights to access, delete, and obtain copies of their personal information, subject to applicable legal limitations.

Arizona Residents

While Arizona does not currently have a comprehensive consumer privacy law similar to California or Virginia, Spencer’s Financial Solutions applies the same privacy protections and transparency standards to Arizona residents as described in this policy.