Privacy Policy

1. Introduction

Mark Ramsay Financial ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website mark-ramsay-financial.com or engage with our services.

2. Information We Collect

Personal Information: When you contact us through our website, we may collect your name, email address, phone number, and any other information you voluntarily provide in your message.

Automatically Collected Information: We may automatically collect certain information about your device, including your IP address, browser type, operating system, referring URLs, and browsing behavior on our site.

Financial Information: In the course of providing financial services, we may collect financial information necessary to deliver personalized advice and recommendations. This information is handled in accordance with applicable financial regulations.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide the services you request
• Communicate with you about your financial planning needs
• Send you relevant updates about our services (with your consent)
• Improve our website and services
• Comply with legal and regulatory obligations
• Protect against fraudulent or unauthorized activity

4. SMS/Text Messaging Policy

5. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our website and providing services, subject to confidentiality agreements.
• Legal Requirements: When required by law, regulation, subpoena, or court order.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate notice to you.
• Your Consent: With your explicit consent for purposes you have approved.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records may be retained for longer periods as required by applicable regulations.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• Withdraw consent for SMS communications by replying STOP

To exercise these rights, please contact us at mark@mark-ramsay-financial.com.

9. Cookies and Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can configure your browser to refuse cookies, though some features of the site may not function properly without them.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.

13. Contact Us

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