1. Introduction.
Total Wealth Navigator. ("Total Wealth Navigator," "we," "us," or "our") is committed
to protecting your personal and financial information. This
Privacy Policy governs data practices across our website, mobile
applications, and all financial services provided to US consumers
and businesses. By using our services, you consent to the
practices described herein.
2. Information Collected.
We collect information you provide directly: full name, SSN (for
credit/AML compliance), DOB, addresses, email, phone,
employment/income data, bank accounts, credit card numbers,
investment details, insurance policy info, property/vehicle
identifiers, and biometric data. Automatically collected: IP
address, device identifiers, browser type, geolocation, and
browsing behavior via cookies and device fingerprinting.
3. Use of Information.
Your data is used to: process loan/insurance/investment
applications; execute transactions; facilitate payments; provide
customer support; comply with KYC/AML regulations and anti-fraud
requirements; send transactional notifications (statements,
confirmations, policy docs); send promotional emails (with
consent); improve our platform; and comply with legal obligations
(tax reporting, regulatory exams, lawful requests).
4. Data Sharing. We share
data as permitted by law: credit bureaus for reporting; financial
partners for application processing; insurance carriers for
underwriting; custodians (e.g., Apex Clearing) for securities;
payment processors (Stripe, Plaid) for transactions; service
providers under strict contracts; regulators (SEC, FINRA, state
depts, CFPB); and law enforcement when required. We do not sell
personal information.
5. Email Communications.
Transactional emails (account alerts, confirmations, statements,
policy docs, security notices) are necessary and cannot be fully
opted out. Promotional emails (newsletter, rate alerts, offers)
require consent and can be unsubscribed via email link, our
unsubscribe form, or the unsubscribe modal.
6. Security. 256-bit AES
encryption at rest, TLS 1.3 in transit, MFA with biometrics,
real-time ML fraud monitoring, SOC 2 Type II infrastructure,
quarterly penetration testing, employee background checks, and $1M
fraud guarantee.
7. Data Retention.
Financial records: 7 years per IRS/SEC. Active account data: life
of account + 5 years. Marketing data: 3 years from last
engagement. Analytics data: anonymized after 26 months.
8. Your Rights. Under
CCPA, VCDPA, CPA, CTDPA, and other state laws, you may have rights
to know, delete, correct, and opt out of data sale/sharing.
Contact privacy@totalwealthnavigator.com or +1 785-689-2452. We respond
within 45 days. FCRA dispute rights apply to credit report data.
9. Children. Services
unavailable to under-18. We do not knowingly collect minor data;
if discovered, it is promptly deleted.
10. Third-Party Links.
Links to external financial tools and partner sites operate under
their own privacy policies, which we do not control.
11. International Transfers.
Some processors may operate outside the US. We ensure Standard
Contractual Clauses or equivalent safeguards are in place.
12. Do Not Track. We honor
DNT/Global Privacy Control signals by disabling cross-site
tracking and targeted advertising, though essential analytics may
continue.
13. Breach Notification.
In the event of a breach involving financial data, we notify you
without unreasonable delay per state laws, including breach
nature, data involved, and protective steps.
14. FCRA Notice. If we
obtain a consumer report for loan/insurance applications, FCRA
disclosures are provided. You may dispute inaccurate information
through the appropriate credit bureau.
15. Contact. Privacy
Officer: Total Wealth Navigator, 603 E 1st St, Palco, KS 67657, USA; privacy@totalwealthnavigator.com; +1 785-689-2452.
Material policy changes communicated via email and website banner.
