Privacy Policy

At Sceptyr ("we," "us," or "our"), we are committed to protecting the privacy and confidentiality of our clients' personal and financial information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website or use our services.

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact information (name, address, phone number, email address)
• Financial information (income, assets, liabilities, investment objectives)
• Identification information (Social Security number, driver's license number)
• Employment information (employer, occupation, work history)
• Investment experience and risk tolerance
• Bank account and brokerage account information

Website Information

When you visit our website, we automatically collect certain information:

• IP address and location data
• Browser type and version
• Pages visited and time spent on pages
• Referring website addresses
• Device information and operating system

2. How We Use Your Information

We use your information for the following purposes:

• Providing wealth management and investment advisory services
• Creating and managing your investment portfolio
• Conducting financial planning and analysis
• Communicating with you about your account and services
• Complying with legal and regulatory requirements
• Improving our services and website functionality
• Detecting and preventing fraud
• Marketing our services (with your consent)

3. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties except in the following circumstances:

Service Providers

We may share information with trusted service providers who assist us in operating our business, including:

• Custodial and brokerage firms
• Technology service providers
• Legal and accounting professionals
• Compliance and audit firms

Legal Requirements

We may disclose information when required by law, regulation, or legal process, or to:

• Comply with a subpoena or court order
• Cooperate with regulatory examinations
• Protect our rights and property
• Prevent fraud or illegal activities

4. Data Security

We implement comprehensive security measures to protect your information:

• Encryption of data in transit and at rest
• Multi-factor authentication systems
• Regular security assessments and monitoring
• Employee training on data protection
• Physical security controls for our offices
• Secure disposal of confidential documents

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience. You can control cookie settings through your browser preferences. We use cookies for:

• Website functionality and navigation
• Analytics and performance monitoring
• Personalization of content
• Security and fraud prevention

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request copies of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Opt-out: Unsubscribe from marketing communications
• Portability: Request transfer of your data to another provider

7. Retention of Information

We retain your information for as long as necessary to:

• Provide services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Maintain business records as required by law

Generally, we retain client information for at least seven years after the client relationship ends, or longer as required by applicable law.

8. Third-Party Links

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

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age.

10. Updates to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of our services after any changes indicates your acceptance of the updated policy.

11. Regulatory Compliance

As a registered investment advisor, we comply with privacy regulations including:

• Regulation S-P (Securities and Exchange Commission)
• Gramm-Leach-Bliley Act
• State privacy and data protection laws
• GDPR (for European clients)
• CCPA (California Consumer Privacy Act)