1. Introduction
Mutual Fund Crest ("we," "us," or "our") is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us. We are headquartered at 9 Indrio Blvd, Satellite Beach, Florida 32937, USA.
We operate in compliance with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), the General Data Protection Regulation (GDPR), and all applicable state and federal privacy regulations.
2. Information We Collect
2.1 Personal Information
We collect information you voluntarily provide, including:
- Full name, mailing address, email address, and phone number
- Date of birth and Social Security Number (when required for financial services)
- Employment information and income details
- Government-issued identification documents
- Financial account information, assets, liabilities, and investment history
- Insurance policy details and beneficiary information
- Tax return information and filings
2.2 Non-Personal Information
- IP address, browser type, and device information
- Pages visited, time spent, and click patterns
- Referring URLs and geographic region (derived from IP)
- Cookies and similar tracking technologies
3. How We Use Your Information
We use collected information for the following purposes:
- To provide financial advisory, lending, tax, and insurance services you request
- To process loan applications, mortgage pre-approvals, and credit inquiries
- To communicate with you about services, appointments, and account updates
- To comply with legal obligations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements
- To improve our website, services, and user experience
- To send newsletters and marketing communications (with your consent)
- To detect, prevent, and address fraud or security issues
4. Information Sharing and Disclosure
We do NOT sell your personal information to third parties. We may share information in these limited circumstances:
- Service Providers: Trusted partners who assist in delivering our services (lenders, credit bureaus, insurance carriers, tax software providers) under strict confidentiality agreements
- Legal Compliance: When required by law, court order, or government authority
- Business Transfers: In the event of a merger, acquisition, or asset sale — with assurance of continued privacy protection
- Consent: When you explicitly authorize sharing
Your Rights under GLBA: You have the right to opt out of sharing non-public personal information with non-affiliated third parties for marketing purposes. To exercise this right, email info@mutualfundcrest.com or call (321) 773-8558.
5. Data Security
We implement industry-leading security measures to protect your information:
- 256-bit AES encryption for data in transit and at rest
- Two-factor authentication (2FA) for client portal access
- SOC 2 Type II certified infrastructure
- Regular security audits and penetration testing
- Employee access limited to need-to-know basis with full audit logging
- Automatic session timeouts for inactivity
6. Cookies and Tracking Technologies
We use cookies to enhance your browsing experience, analyze website traffic, and personalize content. Types of cookies used:
- Essential Cookies: Required for core website functionality
- Analytics Cookies: Help us understand visitor behavior (anonymized)
- Functional Cookies: Remember preferences and settings
- Marketing Cookies: Used only with your explicit consent
You can control cookies through your browser settings. Disabling essential cookies may affect website functionality.
7. Your Privacy Rights
Depending on your location, you may have the following rights:
- Access: Request a copy of your personal information
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal data (subject to legal retention requirements)
- Opt-Out: Unsubscribe from marketing communications at any time
- Data Portability: Receive your data in a portable format
- Restriction: Limit how we process your information
To exercise any of these rights, contact us at info@mutualfundcrest.com or (321) 773-8558.
8. Data Retention
We retain your information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations (typically 7 years for financial records), resolve disputes, and enforce our agreements. After the retention period, data is securely destroyed or anonymized.
9. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us immediately for removal.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any website you visit.
11. Financial Information & GLBA Notice
As a financial services firm, we collect non-public personal information (NPI) to provide our services. We are prohibited by law from disclosing NPI to non-affiliated third parties for marketing purposes without your prior authorization. We do not share NPI with affiliates for marketing purposes.
12. Changes to This Policy
We may update this Privacy Policy periodically. Material changes will be communicated via email (if you're a subscriber) and posted prominently on our website. The "Last updated" date at the top indicates when the policy was last revised.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact:
- Mutual Fund Crest
- 9 Indrio Blvd, Satellite Beach, Florida 32937, USA
- Phone: (321) 773-8558
- Email: info@mutualfundcrest.com
- Privacy Officer: Available Monday–Friday, 9 AM – 6 PM EST