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We collect personal and financial information you provide directly — including name, contact details, date of birth, Social Security number, and asset documentation — when you initiate a relationship, open an account, or subscribe to our communications. We also gather usage data from your interactions with our digital portal.
Your information is used to provide advisory services, process transactions, fulfill regulatory obligations, deliver reporting, and communicate with you about your account. We may also use aggregated, de-identified data for analytics, research, and internal product improvement initiatives across our service lines.
We do not sell your personal information. We share data only with custodians, attorneys, accountants, and other service providers who require it to deliver our services, or when required by law, regulation, or legal process. All third parties are bound by confidentiality obligations consistent with our standards.
We employ 256-bit AES encryption, multi-factor authentication, biometric access controls, and continuous monitoring. Client data is stored in SOC 2 Type II certified facilities with redundant geographic backups. Despite these safeguards, no system can guarantee absolute security against all threats.
Our website uses essential cookies for authentication and session management, as well as analytics cookies to understand usage patterns. You may control cookie preferences through your browser settings, though disabling essential cookies may limit access to client portal functionality and account features.
Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the use of your personal information. You may also have the right to data portability and to opt out of certain processing activities. To exercise these rights, contact our Privacy Officer using the details provided herein below.
We retain client information for the duration of our advisory relationship and for a minimum of seven years thereafter, consistent with SEC and IRS recordkeeping requirements. Certain information may be retained longer where required by law or where necessary for legal defense, dispute resolution, or regulatory examination purposes.
For clients residing outside the United States, we may transfer personal information across borders to facilitate service delivery. Such transfers are conducted under appropriate safeguards, including Standard Contractual Clauses, binding corporate rules, or other legally recognized mechanisms approved by relevant data protection authorities.
Our services are directed exclusively to adults. We do not knowingly collect personal information from individuals under the age of eighteen. If you believe a minor has provided us with personal information, please contact us immediately so we may promptly delete such information from our systems and records.
We may update this Privacy Policy periodically to reflect changes in our practices, technologies, or legal requirements. Material changes will be communicated through your registered email or portal notification at least thirty days before taking effect. Continued use of our services constitutes acceptance of the updated terms.
By accessing our website, opening an account, or engaging our advisory services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree, you should refrain from using our services and discontinue all interaction with our digital platforms immediately.
Money Credit Insights acts as a fiduciary registered investment advisor under the Investment Advisers Act of 1940. Our advisory relationship is governed by a separate Investment Advisory Agreement that supersedes any conflicting provisions herein. All services are subject to the terms outlined in that executed agreement.
Our services are available only to individuals and entities legally capable of entering into binding contracts under applicable jurisdiction. Certain investment vehicles and service tiers may be restricted to accredited investors, qualified purchasers, or institutional clients as defined by U.S. securities laws and regulations.
You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You agree to notify us immediately of any unauthorized access, suspected breach, or compromise of your account information through our secure portal or designated support channels.
Advisory fees are assessed quarterly in advance based on assets under management. Custodial, transactional, and third-party expenses may apply separately. Fee schedules are disclosed in your Advisory Agreement and Form ADV Part 2A. Late payments may accrue interest at the maximum rate permitted by applicable state law.
All investments involve risk, including potential loss of principal. Past performance does not guarantee future results. No communication from Money Credit Insights constitutes a guarantee of returns. You should carefully consider your financial situation, risk tolerance, and investment objectives before implementing any strategy recommended by our advisory team.
All content, branding, research, tools, and materials published on our website or shared with clients remain the exclusive intellectual property of Money Credit Insights. You may not reproduce, distribute, or commercially exploit any such material without prior written consent, except as necessary to engage our advisory services.
To the maximum extent permitted by law, Money Credit Insights shall not be liable for indirect, incidental, consequential, or punitive damages arising from your use of our services. Our aggregate liability for any claim shall not exceed the advisory fees paid by you during the twelve months preceding the event giving rise to such claim.
You agree to indemnify and hold harmless Money Credit Insights, its officers, directors, employees, and affiliates from any claims, damages, losses, or expenses — including reasonable attorneys' fees — arising from your breach of these Terms, your misuse of our services, or your violation of applicable laws or third-party rights.
These Terms shall be governed and interpreted in accordance with the applicable laws of the relevant jurisdiction. Any disputes arising from or relating to these Terms shall first be addressed through good-faith negotiations. If a resolution cannot be reached, the dispute may be submitted to a court or other appropriate dispute resolution process as permitted by applicable law.