1. Introduction

Welcome to Horizon Financial Planning's privacy policy. We are committed to protecting your personal information and respecting your privacy. This policy explains how we collect, use, and safeguard your data when you use our services. Horizon Financial Planning is located at 1200 5th Avenue, Suite 1600, Seattle, WA 98101, and is committed to complying with all applicable data protection laws, including the General Data Protection Regulation (GDPR) where applicable.

2. Information We Collect

We collect various types of information to provide and improve our services. This includes:

• Personal Information: This includes your name, address, email address, phone number, date of birth, and other contact details. We collect this information when you register for our services, subscribe to our newsletter, or contact us directly.
• Financial Information: To provide financial planning services, we collect information about your income, assets, debts, investments, and financial goals. This information is essential for creating a personalized financial plan.
• Usage Data: We collect information about how you use our website and services, including your IP address, browser type, operating system, pages visited, and the time and date of your visit. We use cookies and similar technologies to collect this data.
• Communications: We retain copies of any communications you have with us, including emails, chat logs, and phone calls. This helps us provide better customer service and improve our services.
• Demographic Information: We may collect demographic information such as your age, gender, and location to better understand our customer base and tailor our services.

All data collection is conducted with your consent or as permitted by law. We strive to minimize the amount of personal data we collect, ensuring that it is only what is necessary for the specified purposes.

3. How We Use Your Information

We use your information for the following purposes:

• Providing Services: We use your personal and financial information to provide financial planning, investment advice, and retirement planning services.
• Communication: We use your contact information to communicate with you about our services, updates, and promotional offers.
• Improving Services: We analyze usage data to improve our website, services, and customer experience.
• Legal Compliance: We use your information to comply with legal and regulatory requirements.
• Personalization: We use your data to personalize your experience and provide tailored content and recommendations.
• Marketing: With your consent, we may use your information to send you marketing materials about our services and special offers. You can opt-out of receiving these communications at any time.
• Research and Development: We may use anonymized and aggregated data for research and development purposes to improve our services and develop new products.

We ensure that your data is used only for the purposes stated in this policy and that we have a legal basis for processing your data, such as your consent or a legitimate interest.

4. Data Security

We take data security seriously and implement appropriate technical and organizational measures to protect your information from unauthorized access, use, or disclosure. These measures include:

• Encryption: We use encryption to protect your data during transmission and at rest.
• Access Controls: We restrict access to your personal information to authorized personnel only.
• Regular Audits: We conduct regular security audits to identify and address vulnerabilities.
• Employee Training: We train our employees on data security best practices.
• Secure Storage: We store your data in secure data centers with physical and logical security measures.
• Data Minimization: We only retain your data for as long as necessary to fulfill the purposes outlined in this policy.

Despite our best efforts, no method of transmission over the internet or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

5. Your Rights

You have the following rights regarding your personal information:

• Access: You have the right to access the personal information we hold about you.
• Rectification: You have the right to correct any inaccurate or incomplete information.
• Erasure: You have the right to request the deletion of your personal information, subject to certain exceptions.
• Restriction of Processing: You have the right to restrict the processing of your personal information in certain circumstances.
• Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format.
• Objection: You have the right to object to the processing of your personal information for direct marketing purposes.
• Withdraw Consent: If we rely on your consent to process your personal information, you have the right to withdraw your consent at any time.

To exercise these rights, please contact us using the contact information provided below. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

6. Sharing Your Information

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

• Service Providers: We share your information with third-party service providers who assist us in providing our services, such as data storage, email marketing, and payment processing. We ensure that these service providers comply with our data protection standards.
• Legal Compliance: We may disclose your information to comply with legal obligations, such as responding to a subpoena or court order.
• Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
• Affiliates: We may share your information with our affiliates for marketing and operational purposes, subject to your consent where required.

We do not sell or rent your personal information to third parties for their marketing purposes.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. We regularly review our data retention practices to ensure that we do not retain your data for longer than necessary.

8. Cookies and Similar Technologies

We use cookies and similar technologies to collect information about your browsing activity on our website. Cookies are small text files that are stored on your device. We use cookies for the following purposes:

• Essential Cookies: These cookies are necessary for the operation of our website and enable you to access certain features.
• Performance Cookies: These cookies collect information about how you use our website, such as which pages you visit and any errors you encounter. We use this information to improve our website.
• Functionality Cookies: These cookies enable our website to remember your preferences, such as your language and location.
• Advertising Cookies: We may use advertising cookies to show you relevant advertisements based on your interests.

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website. For more information, please see our Cookies Policy .

9. Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will post any changes on our website and update the effective date. We encourage you to review this policy periodically.

10. Contact Information

If you have any questions or concerns about this privacy policy or our data practices, please contact us at: