Privacy Policy

1. Introduction

KiMi Financial Solutions ("we," "our," or "us"), operated by Sajan Devan, a Financial Professional affiliated with Integrity | HGI (The Hegemon Group International), is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, submit a contact form, book an appointment, or communicate with us via phone, email, or SMS text message.

By using our website or providing us with your personal information, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please do not use our website or provide us with your information.

2. Information We Collect

2.1 Information You Provide Directly

We collect personal information that you voluntarily provide to us, including:

• Contact information: First name, last name, email address, and phone number
• Inquiry details: Messages you send through our contact form, including your financial interests and questions
• Appointment information: Date, time, and contact details submitted when booking a strategy call
• Communication records: Records of phone calls, emails, and text messages exchanged with us
• Consent records: Records of your opt-in consent for SMS communications

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information about your device and browsing behavior, including:

• IP address and general geographic location
• Browser type, version, and operating system
• Pages visited, time spent on pages, and referring URL
• Date and time of your visit
• Device type (desktop, tablet, mobile)

2.3 Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience and collect usage data. Cookies are small data files stored on your device. You can control cookie settings through your browser preferences. Note that disabling cookies may affect the functionality of certain website features.

We may use the following types of cookies:

• Strictly Necessary Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors use our website (e.g., Google Analytics)
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant content and track campaign effectiveness

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To respond to your inquiries and provide information about our financial services
• To schedule and conduct strategy calls and consultations
• To send you follow-up communications related to your inquiry
• To send SMS text messages when you have opted in to receive them
• To send email communications when you have consented to receive them
• To improve our website, services, and client experience
• To comply with applicable legal and regulatory requirements
• To maintain records required for business and compliance purposes
• To protect against fraud, unauthorized activity, and security threats

4. SMS Communications

5. Email Communications

When you submit a contact form or book a strategy call, you consent to receiving email communications from KiMi Financial Solutions. These emails may include responses to your inquiry, appointment confirmations, follow-up information, and educational content related to financial planning.

You may opt out of marketing email communications at any time by clicking the "unsubscribe" link included in our emails or by contacting us directly at [email protected]. Please note that transactional emails (such as appointment confirmations) may still be sent as needed.

6. How We Share Your Information

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

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website and conducting our business, including appointment scheduling platforms (GoHighLevel), email service providers, and CRM systems. These providers are contractually obligated to protect your information and use it only for the purposes we specify.
• HGI / Affiliated Professionals: As a Financial Professional affiliated with Integrity | HGI, information relevant to your financial planning needs may be shared with qualified professionals within the HGI network to facilitate service delivery. This sharing is done solely for the purpose of serving you.
• Legal Requirements: We may disclose your information when required by law, court order, regulatory authority, or to protect our legal rights, safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change in ownership.

7. Third-Party Integrations

Our website and operations may use the following third-party services, each of which has its own privacy policy:

• GoHighLevel (GHL): Used for appointment scheduling, CRM, and SMS/email communications. Subject to GoHighLevel's Privacy Policy.
• Google Analytics: Used to analyze website traffic and usage patterns. Subject to Google's Privacy Policy. You may opt out using Google's opt-out tool.
• Twilio: May be used as the underlying SMS delivery platform via GoHighLevel. Subject to Twilio's Privacy Policy.

We are not responsible for the privacy practices of these third-party services. We encourage you to review their privacy policies independently.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, maintain business records, and comply with applicable legal and regulatory obligations. When your information is no longer needed, we will securely delete or anonymize it.

SMS opt-in consent records are retained in accordance with applicable telecommunications regulations, including TCPA requirements.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, no method of internet transmission or electronic storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.

If you believe your information has been compromised, please contact us immediately at [email protected].

10. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal retention requirements
• Opt-Out of SMS: Reply STOP to any SMS message to immediately opt out
• Opt-Out of Email: Click "unsubscribe" in any marketing email or contact us directly
• Do Not Sell: We do not sell personal information. This right is satisfied by our policy.

To exercise any of these rights, please contact us at [email protected] or 813-418-2817.

11. Children's Privacy

Our website and services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we have collected information from a minor, please contact us immediately.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. As noted above, we do not sell personal information. To exercise your California privacy rights, please contact us at [email protected].

13. Canadian Privacy (PIPEDA)

For clients in Canada, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). We collect personal information only with your knowledge and consent, and only for the purposes identified in this policy. You have the right to access your personal information and challenge the accuracy of that information. To make a request, contact us at [email protected].

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us:

• Name: Sajan Devan — KiMi Financial Solutions
• Email: [email protected]
• Phone: 813-418-2817
• Website: hgicrusade.com/sajandevan

We will respond to privacy-related requests within a reasonable timeframe, generally within 30 days.