California Consumer Privacy Rights Notice
🏴 California Residents Only
This notice is specifically designed for California residents and explains your rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
Applicability
This notice is specifically designed for California residents and explains how CFP Financial Advisor collects, uses, shares, and protects your personal information under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). The CCPA gives consumers more control over the personal information that businesses collect about them.
Important: CFP Financial Advisor is a referral agency that connects individuals with fiduciary financial advisors. We do not provide investment advice, manage investments, or offer financial planning services directly.
Categories of Personal Information We Collect
We may collect the following categories of personal information about California residents:
Identifiers
- Real name, alias, postal address, unique personal identifier
- Online identifier, Internet Protocol address, email address
- Account name, Social Security number, driver's license number
- Phone number and other similar identifiers
Personal Information Categories (Cal. Civ. Code § 1798.80(e))
- Name, signature, address, telephone number
- Financial information, including income range and assets
- Employment information and occupation
- Physical characteristics or description
Protected Classification Characteristics
- Age (40 years or older), marital status, family status
- Gender, race, religion, national origin
- Disability status (when relevant for services)
Commercial Information
- Transaction history, purchasing preferences
- Financial planning needs and investment goals
- Risk tolerance and advisor preferences
- Records of services requested or considered
Internet or Network Activity
- Browsing history, search history
- Information on interaction with our website, application, or advertisement
- Pages visited, time spent on site, referring websites
- Device information, operating system, screen resolution
Geolocation Data
- Physical location or movements (through IP address)
- Geographic location for advisor matching purposes
Professional or Employment Information
- Current or past job history, occupation
- Professional licenses or certifications
- Income information and employment status
Education Information
- Educational background and degrees (when relevant)
Inferences
- Profile reflecting preferences, characteristics, psychological trends
- Predispositions, behavior, attitudes, intelligence, abilities
- Financial profile and advisor matching preferences
Sources of Personal Information
We obtain personal information from the following sources:
Directly from You:
- Website forms and applications
- Phone calls and consultations
- Email communications and chat conversations
- Survey responses and feedback forms
Automatically from Your Device:
- Cookies and similar tracking technologies
- Web beacons and analytics tools
- Website usage patterns and navigation
From Third Parties:
- Financial advisors in our network (feedback about referrals)
- Third-party data verification services
- Social media platforms (publicly available information only)
- Marketing partners and service providers
Business or Commercial Purposes for Collecting Personal Information
We use your personal information for the following business purposes:
Primary Business Functions:
- Advisor Matching: Connect you with qualified fiduciary financial advisors
- Facilitate Introductions: Provide advisors with relevant client information
- Follow-Up Services: Monitor referral outcomes and gather feedback
- Customer Support: Respond to inquiries and resolve service issues
Operational Purposes:
- Communication: Send updates about advisor availability and services
- Analytics: Analyze usage patterns to improve matching algorithms
- Quality Assurance: Monitor service quality and advisor performance
- Research: Conduct surveys to understand client needs (with consent)
Legal and Security Purposes:
- Compliance: Meet legal obligations and regulatory requirements
- Security: Protect against fraud, unauthorized access, and security threats
- Legal Process: Respond to lawful requests and court orders
Categories of Third Parties With Whom We Share Personal Information
We may share your personal information with the following categories of third parties:
Professional Service Providers:
- Financial Advisors: Qualified advisors in our referral network
- Verification Services: Identity and contact information verification
- Technology Providers: Website hosting, analytics, and security services
- Communication Services: Email, SMS, and customer support platforms
Legal and Compliance:
- Government Agencies: As required by law or legal process
- Legal Counsel: For legal advice and representation
- Regulatory Bodies: Financial services regulators when required
Business Operations:
- Payment Processors: For transaction processing (if applicable)
- Marketing Partners: For joint marketing initiatives (with your consent)
- Business Successors: In case of merger, acquisition, or asset sale
Your California Privacy Rights
As a California resident, you have the following rights under the CCPA:
Right to Know (Access)
You have the right to request that we disclose:
- Categories of personal information we collected about you
- Categories of sources from which we collected your personal information
- Business or commercial purpose for collecting your personal information
- Categories of third parties with whom we share your personal information
- Specific pieces of personal information we collected about you
Right to Delete
You have the right to request deletion of your personal information, subject to certain exceptions for:
- Legal compliance requirements
- Fraud prevention and security
- Exercise of free speech or research rights
- Completing transactions or providing requested services
Right to Correct
You have the right to request correction of inaccurate personal information we maintain about you.
Right to Opt-Out of Sale/Sharing
While we do not sell personal information in the traditional sense, you have the right to opt-out of any sharing of personal information for cross-context behavioral advertising.
Right to Limit Use of Sensitive Personal Information
You have the right to limit our use and disclosure of sensitive personal information to specific business purposes.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights, including:
- Denying goods or services
- Charging different prices or rates
- Providing different levels of quality
- Suggesting you may receive different pricing or service levels
How to Exercise Your Rights
Submit a Request:
- Online: Visit https://cfpfinancialadvisor.com/privacy-request
- Email: [email protected]
- Phone: +1 (949) 793-9370
- Mail: CFP Financial Advisor, Attn: Privacy Officer, 2102 Business Center Drive, Suite 130, Irvine, CA 92612
Verification Process:
To protect your privacy, we will verify your identity before processing your request by:
- Matching information you provide with information in our records
- Requesting additional documentation for sensitive requests
- Using third-party verification services when necessary
Authorized Agents:
You may designate an authorized agent to make requests on your behalf by:
- Providing written authorization signed by you
- Verifying the agent's identity and authority
- Having the agent provide proof of their registration with the California Secretary of State (if applicable)
Response Timeframes:
- Standard Requests: 45 days (with possible 45-day extension)
- Complex Requests: Up to 90 days total
- Deletion Requests: Confirmation within 10 business days of completion
Data Retention
We retain personal information only as long as necessary for the purposes outlined in this notice or as required by law. Our retention periods are based on:
- Active Client Relationships: Duration of service plus 7 years
- Marketing Communications: Until you opt-out plus 1 year
- Website Analytics: 26 months from date of collection
- Legal Requirements: As mandated by applicable laws and regulations
Sensitive Personal Information
We may collect the following categories of sensitive personal information:
- Social Security numbers, driver's license numbers (for identity verification)
- Financial account information (for advisor matching)
- Precise geolocation (through IP address for service provision)
Use Limitation: We only use sensitive personal information for disclosed business purposes and do not use it for inferring characteristics about you.
Automated Decision-Making
We use automated decision-making technology for:
- Advisor Matching Algorithms: To connect clients with suitable advisors
- Website Personalization: To improve user experience
- Fraud Detection: To protect against unauthorized access
Your Rights: You have the right to request information about our automated decision-making practices and may opt-out where legally required.
Sale and Sharing of Personal Information
Sale: We do not sell personal information for monetary consideration.
Sharing: We may share personal information with financial advisors for referral purposes, which may be considered "sharing" under CCPA. You have the right to opt-out of this sharing.
Cross-Context Behavioral Advertising: We do not engage in cross-context behavioral advertising.
Changes to This Notice
We may update this notice periodically to reflect changes in our practices or legal requirements. Material changes will be communicated through:
- Posted notice on our website with updated effective date
- Email notifications to registered users
- Direct notice for material changes affecting your rights
Contact Information
2102 Business Center Drive, Suite 130
Irvine, CA 92612
Online Privacy Request Portal: https://cfpfinancialadvisor.com/privacy-request