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Privacy Policy

Last Updated: January 15, 2026

1. Information We Collect

1.1 Personal Information You Provide

• Identity Data: Full name, date of birth, Social Security Number (for credit/loan services only), driver's license.
• Contact Data: Email address, phone number, mailing address, state of residence.
• Financial Data: Income, employment history, bank statements, tax returns, credit reports, existing debts, assets.
• Service Preferences: Services of interest, investment goals, risk tolerance, insurance needs.
• Communications: Messages, emails, phone call recordings (with your consent), chat logs.

1.2 Information Collected Automatically

• Device Data: IP address, browser type, operating system, device identifiers.
• Usage Data: Pages visited, time spent on site, click patterns, referral source.
• Cookies & Tracking: We use essential cookies, analytics (Google Analytics), and session recording tools to improve our service.

2. How We Use Your Information

We use your information for the following lawful purposes:

• To process loan applications, wealth planning, tax filings, and insurance policies.
• To verify your identity and comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.
• To communicate with you about your services, appointments, and account updates.
• To send wellness newsletters and marketing (only with your explicit consent).
• To improve our website, services, and customer experience.
• To detect, prevent, and address fraud and security issues.
• To comply with legal obligations and regulatory requirements.

3. Legal Basis for Processing (GDPR/CCPA Compliance)

We process your personal data only when we have a lawful basis, including:

• Contract: Processing necessary to fulfill our service agreement with you.
• Legal Obligation: Processing required by federal/state financial regulations.
• Legitimate Interest: Processing that benefits both you and us (e.g., fraud prevention), without overriding your rights.
• Consent: For marketing communications and optional features — you can withdraw anytime.

4. How We Share Your Information

We never sell your personal data. We may share information only with:

• Lending Partners: Banks and credit unions that underwrite your loans (with your consent).
• Insurance Carriers: To obtain quotes and bind coverage on your behalf.
• Custodians & Broker-Dealers: For investment account management (SEC/FINRA registered).
• Service Providers: Cloud hosting (AWS), payment processors, CRM, analytics (under strict NDAs).
• Professional Advisors: Attorneys, CPAs you authorize us to coordinate with.
• Legal Authorities: When required by law, court order, or to protect our rights.

5. Data Security

We implement bank-grade security to protect your information:

• 256-bit AES encryption for all data at rest and in transit (TLS 1.3).
• SOC 2 Type II certified infrastructure.
• Multi-factor authentication (MFA) for all advisor and client accounts.
• Regular penetration testing and vulnerability scanning.
• Strict employee access controls and background checks.
• Annual third-party security audits.

6. Data Retention

We retain your personal data only as long as necessary to fulfill the purposes outlined in this policy, typically:

• Active clients: Duration of service relationship + 7 years (tax/legal requirements).
• Loan applicants: 25 months for declined applications (per ECOA regulations).
• Newsletter subscribers: Until you unsubscribe.
• Website visitors: Analytics data retained 26 months, then anonymized.

7. Your Rights

7.1 For US Residents (CCPA/CPRA)

• Right to Know: Request a copy of the personal information we hold about you.
• Right to Delete: Request deletion of your data (subject to legal retention requirements).
• Right to Opt-Out: Opt out of the "sale" of personal information (we do not sell data).
• Right to Non-Discrimination: We will not discriminate against you for exercising these rights.

7.2 For EU/UK Residents (GDPR)

• Right of access, rectification, erasure, restriction, portability, and objection.
• Right to withdraw consent at any time.
• Right to lodge a complaint with your supervisory authority.

7.3 How to Exercise Your Rights

Email privacy@earnfinancestable.com or call (731) 855-4938. We respond to all verified requests within 30 days.

8. Cookies & Tracking Technologies

Our website uses the following cookie categories:

• Essential: Required for site functionality (session management, security).
• Analytics: Google Analytics 4 (anonymized IP, 26-month retention).
• Functional: Remember your preferences and form inputs.
• Marketing: Only with your explicit consent for personalized ads.

You can manage cookie preferences via your browser settings or our cookie banner. Disabling essential cookies may affect site functionality.

9. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us data, please contact us immediately and we will delete it.

10. Third-Party Links

Our site may contain links to third-party websites (lending partners, educational resources). We are not responsible for their privacy practices. We encourage you to review their policies before providing information.

11. International Data Transfers

Earn Finance Stable operates primarily in the United States. If you access our services from outside the US, your data will be transferred to and processed in the US, where data protection laws may differ. We use Standard Contractual Clauses for any cross-border transfers.

12. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Material changes will be posted on this page with an updated "Last Updated" date. Continued use of our services constitutes acceptance of the revised policy.

13. Contact Us

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