Privacy Policy

1. Introduction

Horizon Financial Advisors ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This privacy policy explains how we collect, use, disclose, and safeguard your information when you visit our website your-domain.com and use our services.

This policy applies to all information collected through our website, mobile applications, and any related services, sales, marketing, or events (collectively, the "Services").

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access our Services.

2. Information We Collect

2.1 Personal Data You Provide

We collect personal information that you voluntarily provide when you:

• Register for an account or consultation
• Express interest in our services
• Participate in activities on our Services
• Contact us for support or inquiries
• Subscribe to our newsletter or communications

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Financial information (income, assets, investment goals)
• Identification documents (as required by regulatory compliance)
• Professional information (occupation, employer)
• Demographic information (age, marital status, dependents)
• Communication preferences

2.2 Automatically Collected Information

When you visit our Services, we automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Referring URLs and pages viewed
• Access times and dates
• Clickstream data and usage patterns
• Geographic location data

3. How We Use Your Information

We process your personal data for the following purposes:

3.1 Service Delivery

• Providing financial advisory and consulting services
• Creating and managing your account
• Processing transactions and sending related information
• Developing personalized financial plans and recommendations
• Communicating about your accounts and services

3.2 Business Operations

• Improving our Services and user experience
• Conducting analytics and research
• Preventing fraud and ensuring security
• Complying with legal and regulatory obligations
• Enforcing our terms and conditions

3.3 Marketing and Communication

• Sending newsletters and promotional materials (with your consent)
• Providing updates about our services
• Responding to inquiries and support requests
• Conducting surveys and gathering feedback

4. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), our legal basis for collecting and using your personal data depends on the specific context:

• Contract Performance: Processing necessary to fulfill our services to you
• Legitimate Interests: Operating our business, security, and fraud prevention
• Consent: Marketing communications and optional data collection
• Legal Obligations: Compliance with financial regulations and laws

5. Cookies and Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect and store information. These technologies help us:

• Remember your preferences and settings
• Understand how you use our Services
• Improve website functionality and performance
• Provide personalized content and advertising
• Analyze traffic and usage patterns

5.1 Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Performance Cookies: Collect anonymous usage data
• Functional Cookies: Remember your preferences
• Marketing Cookies: Track advertising effectiveness

You can control cookie preferences through your browser settings. Note that disabling cookies may affect website functionality.

6. Third-Party Services and Disclosure

We may share your information with third parties in the following circumstances:

6.1 Service Providers

We engage trusted third-party companies to perform functions on our behalf, including:

• Payment processing and financial transactions
• Cloud hosting and data storage
• Email delivery and communication services
• Analytics and performance monitoring
• Customer relationship management (CRM)
• Marketing and advertising platforms

6.2 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes or government requests
• Enforce our terms and conditions
• Protect our rights, property, or safety
• Prevent fraud or illegal activities
• Respond to regulatory inquiries

6.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. Our security measures include:

• SSL/TLS encryption for data transmission
• Encrypted data storage and backups
• Access controls and authentication
• Regular security assessments and updates
• Employee training on data protection
• Secure physical and network infrastructure

While we strive to protect your personal data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

8. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law.

Retention periods vary based on:

• The nature of the information and its purpose
• Legal and regulatory requirements (typically 7+ years for financial records)
• Ongoing business relationship and service provision
• Resolution of disputes and legal claims

When data is no longer needed, we securely delete or anonymize it in accordance with our data retention policy.

9. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal data:

9.1 GDPR Rights (EEA Residents)

• Right to Access: Request copies of your personal data
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request deletion of your data ("right to be forgotten")
• Right to Restrict Processing: Limit how we use your data
• Right to Data Portability: Receive your data in a portable format
• Right to Object: Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent for processing
• Right to Lodge a Complaint: File a complaint with your supervisory authority

9.2 CCPA Rights (California Residents)

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to deletion of personal information
• Right to non-discrimination for exercising rights

9.3 Exercising Your Rights

To exercise any of these rights, please contact us using the information provided in Section 13. We will respond to your request within 30 days (or as required by applicable law).

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws.

When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by the European Commission
• Privacy Shield certification (where applicable)
• Binding corporate rules and codes of conduct
• Adequacy decisions for specific countries

11. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe we have collected information from a child, please contact us immediately so we can delete such information.

12. Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date at the top of this policy
• Sending an email notification (for significant changes)

We encourage you to review this privacy policy regularly to stay informed about how we protect your information.