Privacy Policy

1. Introduction

Apex Finance Refine ("we," "us," "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect through our website (www.apexfinancerefine.com), our forms, our newsletter and our client communications; how we use it; with whom we share it; and the rights you hold under applicable United States privacy laws, including the California Consumer Privacy Act as amended (CCPA/CPRA) and other state privacy statutes.

By using our website, submitting an enquiry or booking form, or subscribing to our newsletter, you agree to the practices described in this Policy.

2. Information We Collect

2.1 Information You Provide Directly

• Contact & identity data: name, email address, phone number, mailing address and state of residence.
• Enquiry & booking data: service selected, preferred consultation date and time, and the contents of your message.
• Financial planning data (clients only): information you voluntarily provide during engagements, such as income, assets, liabilities, insurance policies, tax situation and financial goals.
• Newsletter data: your email address when you subscribe to Wealth Insights.

2.2 Information Collected Automatically

• Technical data: IP address, browser type, device type, operating system, referring pages and pages visited.
• Usage data: time spent on pages, click patterns and approximate geographic region derived from IP.
• Cookies & similar technologies: small files used to remember preferences, secure sessions and measure site performance. You may disable cookies in your browser at any time; some features may then not function correctly.

3. How We Use Your Information

• To respond to enquiries and schedule your free strategy session;
• To deliver, administer and improve our financial consulting, insurance analysis, asset management, investment planning, portfolio management and annual review services;
• To send transactional communications (confirmations, documents, service notices);
• To send our newsletter and occasional market insights, only where you have opted in;
• To secure our website, detect fraud and comply with legal and regulatory obligations;
• To improve website content, performance and user experience in aggregated, anonymized form.

We do not sell your personal information, and we do not use your financial planning data for advertising.

4. Legal Bases & Business Purposes

Where required by law, we process personal information on the bases of: (a) your consent (newsletter, cookies); (b) performance of a contract (client engagements); (c) legitimate interests (site security, service improvement); and (d) compliance with legal obligations (recordkeeping for financial services).

5. Sharing & Disclosure

We share personal information only with:

• Service providers who perform functions on our behalf (email delivery, hosting, CRM, document e-signature), bound by confidentiality obligations;
• Qualified custodians, insurers and trustees solely as instructed by you during an engagement;
• Professional partners (CPAs, attorneys) only with your explicit written direction;
• Legal & regulatory authorities when required by law, subpoena or to protect rights and safety.

6. Data Security

We employ administrative, technical and physical safeguards including 256-bit TLS encryption in transit, encrypted storage, multi-factor authentication for staff systems, role-based access controls and annual security reviews. No method of transmission over the Internet is 100% secure; however, we strive to protect your information using commercially acceptable means.

7. Data Retention

Enquiry and booking records are retained for up to 3 years. Client planning records are retained as required by financial-services recordkeeping rules (typically 5–7 years after engagement ends). Newsletter addresses are retained until you unsubscribe, after which they are suppressed and deleted within 30 days.

8. Your Privacy Rights (USA)

Depending on your state of residence, you may have the right to:

• Request access to or a copy of the personal information we hold about you;
• Request correction of inaccurate information;
• Request deletion of your personal information, subject to legal retention duties;
• Opt out of any "sale" or "sharing" of personal information (we do not sell or share as defined by law);
• Limit use of sensitive personal information;
• Not be discriminated against for exercising any of these rights.

To exercise any right, email info@apexfinancerefine.com or call (808) 200-4423. We verify requests before acting and respond within 45 days where legally required.

9. Newsletter & Unsubscribe

Every marketing email includes a one-click unsubscribe link. You may also unsubscribe at any time via our unsubscribe page. Unsubscribe requests are processed within 10 business days (usually instantly).

10. Children's Privacy

Our services and website are not directed to individuals under 18. 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 Links

Our site may contain links to third-party websites (e.g., maps, fonts, icons). We are not responsible for the privacy practices of those sites and encourage you to read their policies.

12. Changes to This Policy

We may update this Policy periodically. The "Last Updated" date above will reflect revisions, and material changes will be announced on this page or by email to subscribers.

13. Contact Us

Apex Finance Refine · 91-1033 Kaiapo St, Ewa Beach, Hawaii 96706, USA
Phone: (808) 200-4423 · Email: info@apexfinancerefine.com