Privacy Policy

1. Introduction

Estate Vision Mgmt LLC ("we", "us", "our", or "Company") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect information about individuals who visit our website at estatevisionmgmt.com (the "Website"), purchase our services, or otherwise interact with our Company.

This Privacy Policy applies to all personal information collected by Estate Vision Mgmt LLC through any means, including the Website, email communications, telephone conversations, in-person meetings, our Client Portal, and third-party service providers acting on our behalf.

By accessing our Website or using our services, you acknowledge that you have read, understood, and consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Website or services.

This Privacy Policy is incorporated into and subject to our Terms and Conditions. Capitalized terms not defined in this Privacy Policy have the meanings ascribed to them in the Terms and Conditions.

2. Information We Collect

We collect various types of information from and about users of our Website and clients of our services. The information we collect falls into three main categories: information you provide directly, information collected automatically, and information from third parties.

2.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you:

• Create an account or register for our Client Portal
• Purchase services or request a consultation
• Fill out forms on our Website or submit inquiries
• Communicate with us via email, phone, or other means
• Participate in surveys, promotions, or events
• Provide documentation or information for service delivery

The types of personal information we may collect include:

• Identity Information: Full legal name, date of birth, Social Security Number (SSN), driver's license number, state-issued identification number, passport number
• Contact Information: Email address, mailing address, physical address, phone number, preferred contact methods
• Financial Information: Credit card information, bank account details, credit reports, credit scores, financial statements, income information, tax information, Employer Identification Number (EIN)
• Business Information: Business name, business structure, state of formation, registered agent information, business address, business phone, business email, industry classification codes (SIC/NAICS)
• Professional Information: Employment history, professional licenses, business ownership details, industry experience
• Demographic Information: Age, gender, marital status, dependents
• Transaction Information: Purchase history, payment history, service selections, billing information
• Account Credentials: Username, password, security questions and answers
• Communications: Contents of messages, emails, and other communications you send to us

2.2 Information Collected Automatically

When you visit our Website or use our Client Portal, we automatically collect certain information about your device and usage patterns through cookies, web beacons, and similar technologies:

• Device Information: IP address, browser type and version, operating system, device type, unique device identifiers
• Usage Information: Pages visited, time and date of visit, time spent on pages, clickstream data, referring website URLs, exit pages
• Location Information: General geographic location based on IP address (city, state, country)
• Technical Information: Screen resolution, browser language, time zone settings

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Credit Bureaus: Credit reports, credit scores, credit history from Equifax, Experian, TransUnion, and business credit bureaus
• Public Records: Business formation documents, UCC filings, court records, property records obtained from government agencies
• Service Providers: Information from payment processors, identity verification services, background check providers
• Business Partners: Referral sources, affiliate partners, co-marketing partners
• Social Media: Information you choose to make public on social media platforms
• Data Brokers: Commercially available information from data aggregators and marketing databases

3. How We Use Information

We use the personal information we collect for legitimate business purposes, including:

3.1 Service Delivery

• Processing service purchases and managing client accounts
• Providing the services you have requested, including strategic planning, business formation, credit optimization, and related consulting
• Communicating with credit bureaus, lenders, government agencies, and other third parties on your behalf
• Preparing documents, reports, analyses, and other deliverables
• Monitoring service progress and providing status updates
• Facilitating access to the Client Portal and related features

3.2 Communication and Customer Service

• Responding to inquiries, requests, and customer support needs
• Sending service-related notifications, updates, and alerts
• Providing appointment reminders and follow-up communications
• Conducting customer satisfaction surveys and gathering feedback
• Resolving disputes and troubleshooting problems

3.3 Business Operations and Improvement

• Analyzing usage patterns to improve our Website, Client Portal, and services
• Conducting research and data analysis to enhance service quality
• Testing new features and functionality
• Monitoring and preventing fraud, security breaches, and unauthorized access
• Maintaining records for business, tax, and accounting purposes
• Training staff and quality assurance

3.4 Legal Compliance and Protection

• Complying with applicable laws, regulations, and legal processes
• Responding to law enforcement requests, court orders, and subpoenas
• Enforcing our Terms and Conditions and other policies
• Protecting our rights, property, safety, and the rights of others
• Detecting, preventing, and addressing fraud, security issues, or technical problems
• Maintaining compliance with the Credit Repair Organizations Act, Fair Credit Reporting Act, and other consumer protection laws

3.5 Marketing and Business Development (With Your Consent)

• Sending promotional materials, newsletters, and special offers about our services
• Conducting market research and analyzing marketing effectiveness
• Personalizing marketing communications based on your interests and preferences
• You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails or contacting us directly

3.6 Aggregated and De-Identified Data

We may aggregate and de-identify personal information to create statistical data that cannot reasonably be used to identify you. We may use and share such aggregated or de-identified data for any lawful purpose, including research, analysis, and business development.

4. Legal Basis for Processing

We process your personal information based on the following legal grounds:

4.1 Contract Performance

Processing is necessary to perform our contractual obligations to you when you purchase our services or create an account. This includes providing the services, processing payments, and fulfilling our service delivery commitments.

4.2 Consent

You have provided explicit consent for us to process your personal information for specific purposes, such as marketing communications or sharing information with third parties for purposes beyond service delivery. You may withdraw consent at any time.

4.3 Legitimate Interests

Processing is necessary for our legitimate business interests, such as improving our services, preventing fraud, maintaining security, analyzing usage, and conducting business development. We balance these interests against your privacy rights and only process information when our interests do not override your fundamental rights.

4.4 Legal Obligations

Processing is necessary to comply with legal requirements, regulations, court orders, law enforcement requests, or governmental authority directives.

5. Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in the following circumstances:

5.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Payment processing companies (Stripe, PayPal, etc.)
• Cloud hosting and data storage providers
• Email and communication service providers
• Customer relationship management (CRM) platforms
• Identity verification and background check services
• Analytics and marketing platforms
• IT support and security vendors

Service providers are contractually obligated to protect your information and use it only for the purposes we specify.

5.2 Credit Bureaus and Financial Institutions

When providing credit optimization or business credit services, we share relevant information with credit bureaus (Equifax, Experian, TransUnion, Dun & Bradstreet) and financial institutions as necessary to dispute inaccuracies, establish credit profiles, or support funding applications.

5.3 Government Agencies

We may share information with federal, state, and local government agencies for business formation, licensing, tax reporting, and regulatory compliance purposes.

5.4 Legal Requirements

We may disclose information when required by law, regulation, court order, subpoena, or other legal process, or when we believe disclosure is necessary to:

• Comply with legal obligations
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our clients or the public
• Prevent or investigate fraud, security breaches, or illegal activity
• Enforce our Terms and Conditions or other agreements

5.5 Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, bankruptcy, or other business transaction, your information may be transferred to the successor entity. We will notify you of any such transfer and any choices you may have regarding your information.

5.6 With Your Consent

We may share information with third parties when you have provided explicit consent or directed us to do so.

5.7 Aggregated or De-Identified Information

We may share aggregated, de-identified, or statistical information that does not personally identify you with third parties for any lawful purpose.

6. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security practices include:

6.1 Technical Safeguards

• Encryption of data in transit using TLS/SSL protocols
• Encryption of sensitive data at rest
• Firewalls and intrusion detection systems
• Secure authentication and access controls
• Regular security audits and vulnerability assessments
• Automated backup and disaster recovery systems

6.2 Administrative Safeguards

• Background checks on employees with access to personal information
• Confidentiality agreements with employees and contractors
• Security awareness training for staff
• Documented security policies and procedures
• Incident response and breach notification protocols

6.3 Physical Safeguards

• Secure facilities with controlled access
• Locked file cabinets for physical documents
• Secure disposal of documents and media

6.4 Limitations

While we take reasonable precautions to protect your information, no security system is impenetrable. We cannot guarantee the absolute security of your information. Transmission of data over the internet is inherently insecure, and we cannot ensure the security of information transmitted to or from our Website. You transmit information at your own risk.

6.5 Breach Notification

In the event of a data breach that compromises your personal information, we will notify you and applicable regulatory authorities as required by law. Notifications will include the nature of the breach, types of information involved, steps we are taking to address the breach, and recommendations for protecting yourself.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.

7.1 Retention Periods

• Active Client Records: Retained for the duration of the client relationship plus seven (7) years after the last service provided
• Financial Records: Retained for seven (7) years in accordance with tax and accounting requirements
• Legal Documents: Retained for the applicable statute of limitations period plus two (2) years
• Marketing Data: Retained until you opt out or request deletion, or for three (3) years of inactivity
• Website Usage Data: Retained for up to two (2) years for analytics purposes
• Backup Data: Retained in secure backups for up to ninety (90) days

7.2 Deletion Procedures

When information is no longer needed, we securely delete or anonymize it using industry-standard methods, including secure file deletion, physical document shredding, and degaussing of electronic media. We may retain de-identified or aggregated data indefinitely.

8. Your Rights

You have certain rights regarding your personal information, subject to applicable law:

8.1 Right to Access

You have the right to request access to the personal information we hold about you. We will provide a copy of your information in a structured, commonly used, machine-readable format.

8.2 Right to Correction

You have the right to request correction of inaccurate or incomplete personal information. We will make reasonable efforts to update your information promptly.

8.3 Right to Deletion

You have the right to request deletion of your personal information, subject to certain exceptions (legal obligations, ongoing disputes, legitimate business needs). We will honor deletion requests where legally permitted.

8.4 Right to Data Portability

You have the right to receive your personal information in a portable format and to transmit it to another service provider where technically feasible.

8.5 Right to Opt-Out

You have the right to opt out of:

• Marketing and promotional communications (via unsubscribe links or contacting us directly)
• Sale or sharing of personal information for cross-context behavioral advertising (we do not currently sell or share information for this purpose)
• Automated decision-making or profiling

8.6 Right to Withdraw Consent

Where processing is based on your consent, you have the right to withdraw consent at any time. Withdrawal does not affect the lawfulness of processing before withdrawal.

8.7 Right to Lodge a Complaint

You have the right to file a complaint with a supervisory authority or data protection agency regarding our processing of your personal information.

8.8 Exercising Your Rights

To exercise any of these rights, contact us at derrick@estatevisionmgmt.com or (888) 846-2558. We will respond to your request within the timeframes required by applicable law (typically 30-45 days). We may require verification of your identity before processing requests.

9. Cookies and Tracking Technologies

9.1 Types of Cookies

We use cookies, web beacons, pixels, and similar technologies to collect information and improve user experience. Cookies are small text files stored on your device. We use the following types of cookies:

• Strictly Necessary Cookies: Essential for Website functionality, security, and authentication. These cannot be disabled without impairing site operation.
• Functional Cookies: Enable personalized features, remember your preferences, and improve user experience.
• Analytics Cookies: Collect information about how visitors use our Website to improve performance and content.
• Advertising Cookies: Track browsing habits to deliver relevant advertisements and measure campaign effectiveness.

9.2 Third-Party Cookies

Third-party service providers (Google Analytics, Facebook Pixel, etc.) may set cookies to collect information on our behalf. These third parties have their own privacy policies governing their use of information.

9.3 Managing Cookies

Most browsers allow you to control cookies through settings. You can configure your browser to reject all cookies, accept only certain cookies, or notify you when cookies are set. Disabling cookies may limit Website functionality. You can also opt out of interest-based advertising through the Digital Advertising Alliance (DAA) or Network Advertising Initiative (NAI).

9.4 Do Not Track

Our Website does not currently respond to Do Not Track (DNT) signals from browsers.

10. Third-Party Services

Our Website and services may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10.1 Clerk Authentication

We use Clerk for user authentication and account management. Clerk processes certain personal information to provide secure login functionality. Clerk's privacy policy is available at clerk.com/privacy.

10.2 Payment Processors

We use third-party payment processors (Stripe, PayPal, etc.) to process payments. These processors collect and store payment card information in accordance with PCI DSS standards. We do not store full payment card details on our servers.

10.3 Analytics Providers

We use analytics services like Google Analytics to understand Website usage. These services may collect information about your online activities across different websites.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will promptly delete such information. If you believe we have collected information from a child, please contact us immediately.

12. International Transfers

Your personal information is stored and processed in the United States. If you are accessing our services from outside the United States, please be aware that information may be transferred to, stored, and processed in the United States, which may have different data protection laws than your jurisdiction. By using our services, you consent to the transfer of your information to the United States.

13. State-Specific Privacy Rights

13.1 California Residents (CCPA/CPRA)

The California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) provide California residents with specific rights:

• Right to Know: Request disclosure of categories and specific pieces of personal information collected, sources, purposes, and third parties with whom it is shared
• Right to Delete: Request deletion of personal information, subject to exceptions
• Right to Opt-Out: Opt out of the sale or sharing of personal information (we do not sell personal information)
• Right to Correct: Request correction of inaccurate information
• Right to Limit: Limit use and disclosure of sensitive personal information
• Right to Non-Discrimination: Not be discriminated against for exercising privacy rights

To exercise these rights, contact us at derrick@estatevisionmgmt.com or call (888) 846-2558. We will not discriminate against you for exercising your CCPA/CPRA rights.

13.2 Virginia Residents (CDPA)

The Virginia Consumer Data Protection Act (CDPA) provides Virginia residents with rights to access, correct, delete, and obtain a copy of personal information, as well as opt out of targeted advertising and sales.

13.3 Colorado Residents (CPA)

The Colorado Privacy Act (CPA) provides Colorado residents with rights similar to those under CCPA, including access, correction, deletion, data portability, and opt-out rights.

13.4 Connecticut Residents (CTDPA)

The Connecticut Data Privacy Act (CTDPA) provides Connecticut residents with rights to access, correct, delete, and obtain a copy of personal information, as well as opt out of targeted advertising and sales.

13.5 Other State Laws

We comply with applicable state privacy laws, including Utah, Montana, and other states that have enacted comprehensive privacy legislation. If you reside in a state with specific privacy rights, contact us to exercise your rights.

14. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be communicated via email or prominent Website notice. Your continued use of our services after changes are posted constitutes acceptance of the revised Privacy Policy. We encourage you to review this Privacy Policy periodically.

15. Contact Information for Privacy Concerns

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Estate Vision Mgmt LLC
Privacy Officer: Derrick Williams
500 Marquette Avenue NW, Suite 1200-5243
Albuquerque, New Mexico 87102
Phone: (888) 846-2558
Email: derrick@estatevisionmgmt.com
EIN: 41-3950276

We will respond to privacy inquiries within the timeframes required by applicable law, typically within 30-45 days.