Privacy Policy

You trust us with your finances. That starts with trusting us with your information. Here's exactly what we collect, why we collect it, and how we protect it.

Effective January 1, 2026 · Last updated January 5, 2026

1. Our Privacy Commitment

Finance Beacon Zone is an independent, fee-only financial advisory firm based in Florissant, Missouri. Because we handle sensitive financial information, we hold ourselves to a standard stricter than most websites: as a financial services firm, we maintain safeguards consistent with the Gramm-Leach-Bliley Act (GLBA) and applicable SEC and state privacy regulations.

The short version of this entire policy: we collect only what we need, we never sell your information, and we protect what you give us as if it were our own.

2. Information We Collect

Information you give us voluntarily. When you submit a form on this Website — our booking form, contact form, or newsletter subscribe form — we collect the details you enter:

  • Your name, email address, and (optionally) phone number
  • The service you're interested in and your preferred appointment date
  • Any message or background you choose to share about your situation

Information collected automatically. Like nearly all websites, our hosting server records basic technical data when you visit — your IP address, browser type, pages viewed, referring page, and the date and time of your visit. This is used solely for security monitoring and aggregate analytics.

3. How We Use Your Information

We use the information we collect only for purposes that serve you:

  • Responding to your enquiry — replying to messages, scheduling and confirming consultations
  • Providing advisory services — onboarding, planning, and ongoing account servicing for engaged clients
  • Communicating with you — appointment reminders, requested documents, and (only with your consent) our monthly insights email
  • Improving our Website — understanding which pages are helpful so we can make them better
  • Legal and regulatory compliance — recordkeeping and disclosures required of registered investment advisers

We do not use your information for automated profiling, we do not sell or rent it, and we do not share it for anyone else's advertising.

4. Cookies & Analytics

This Website uses only essential and minimal-function cookies. We do not run third-party advertising trackers or cross-site ad pixels. Where analytics are used, they are aggregated and anonymized — they tell us how many people visited a page, never who those people are.

You can control or delete cookies through your browser settings at any time. Disabling cookies will not prevent you from browsing the Website or using our forms.

5. How We Share Information

We share your information only in these limited circumstances:

  • Within our advisory team — the advisors and staff who need it to serve you, all bound by confidentiality obligations.
  • Trusted service providers — such as our website host and email delivery provider, who process data strictly on our instruction and under contractual confidentiality. They are never permitted to use your data for their own purposes.
  • When legally required — to comply with a valid subpoena, court order, or regulatory examination by the SEC, Missouri Securities Division, or other lawful authority.
  • With your consent — such as coordinating with your CPA or estate attorney, and only when you ask us to.

That's the complete list. No data brokers, no list rentals, no exceptions.

6. How We Protect Your Information

Information submitted through this Website is transmitted over an encrypted connection (TLS/HTTPS). In our office and systems, we maintain administrative, technical, and physical safeguards consistent with the GLBA Safeguards Rule, including:

  • Access limited by role — staff see only what their work requires
  • Encryption of sensitive data in transit and at rest
  • Unique credentials, least-privilege permissions, and audit logging
  • Staff training on privacy and information security at least annually

No method of transmission or storage is 100% secure, but minimizing what we collect — and protecting everything we do — is the foundation of our approach.

7. Data Retention

Enquiry information (form submissions) is retained only as long as needed to respond to you and for reasonable follow-up — typically no longer than 24 months if no engagement results. Client records are retained for the period required by SEC and state recordkeeping rules, generally no less than five years after the end of the relationship.

When information is no longer needed, it is securely deleted or destroyed.

8. Your Rights & Choices

Regardless of where you live, you may:

  • Request access to the personal information we hold about you
  • Request correction of information that is inaccurate or incomplete
  • Request deletion of enquiry data, subject to our legal recordkeeping obligations
  • Opt out of marketing at any time — every email we send includes an unsubscribe option, and requests are honored immediately

Residents of California, Virginia, Colorado, and other states with comprehensive privacy laws may exercise these rights without discrimination in our services. To make a request, email info@financebeaconzone.com — we respond within 30 days.

9. Calls, Texts & Emails

By providing your phone number on any of our forms, you consent to receive calls or text messages from Finance Beacon Zone related to your enquiry or appointment. We will never use your number for unsolicited marketing, and you may revoke this consent at any time by telling us or replying STOP to any text.

Email addresses collected through the subscribe form are used solely for the monthly insights newsletter. Each edition carries a one-click unsubscribe link.

10. Children's Privacy

This Website is intended for adults and is not directed at children under 16. We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us and we will delete it promptly.

11. Third-Party & Embedded Content

Some pages embed content loaded from third parties — for example, our office map (OpenStreetMap) and font or icon libraries. These providers may receive your IP address as part of loading that content, governed by their own privacy policies. If you prefer not to load embedded content, most browser privacy extensions can block it without affecting your use of our site.

12. Security Incidents

In the unlikely event of a security incident affecting personal information, we will take immediate containment steps, investigate fully, and notify affected individuals and regulators as required by applicable federal and state breach-notification laws. Transparency matters to us — you would hear about a problem from us directly, and quickly.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. When we do, the "last updated" date at the top of this page changes. Material changes will be highlighted on our homepage or communicated directly to active clients by email.

14. Contact Our Privacy Team

Questions, requests, or concerns about your privacy? Reach us directly:

See also our Terms & Conditions for the ground rules that apply to this Website.