Privacy Policy 

Privacy Policy 

Last updated: 09/02/2026

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure  of Your information when You use the Service and tells You about Your privacy rights and how  the law protects You. 

We use Your Personal Data to provide and improve the Service. By using the Service, You agree  to the collection and use of information in accordance with this Privacy Policy. 

Interpretation and Definitions 

Interpretation 

The words whose initial letters are capitalized have meanings defined under the following  conditions. The following definitions shall have the same meaning regardless of whether they  appear in singular or in plural. 

Definitions 

For the purposes of this Privacy Policy: 

• Account means a unique account created for You to access our Service or parts of our  Service. 

• Affiliate means an entity that controls, is controlled by, or is under common control  with a party, where “control” means ownership of 50% or more of the shares, equity  interest or other securities entitled to vote for election of directors or other managing  authority. 

• Business, for the purpose of CCPA/CPRA, refers to the Company as the legal entity that  collects Consumers’ personal information and determines the purposes and means of  the processing of Consumers’ personal information, or on behalf of which such  information is collected and that alone, or jointly with others, determines the purposes  and means of the processing of consumers’ personal information, that does business in  the State of California. 

• CCPA and/or CPRA refers to the California Consumer Privacy Act (the “CCPA”) as  amended by the California Privacy Rights Act of 2020 (the “CPRA”). 

• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Privacy  Policy) refers to Mindful Finance Solutions LLC, P.O. Box 87, Leeper, PA 16233. • Consumer, for the purpose of the CCPA/CPRA, means a natural person who is a  California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual 

who is domiciled in the USA who is outside the USA for a temporary or transitory  purpose. 

• Cookies are small files that are placed on Your computer, mobile device or any other  device by a website, containing the details of Your browsing history on that website  among its many uses. 

• Country refers to: United States 

• Device means any device that can access the Service such as a computer, a cell phone or a digital tablet. 

• Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities,  in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to  develop and implement a mechanism for allowing internet users to control the tracking  of their online activities across websites. 

• Personal Data (or “Personal Information”) is any information that relates to an  identified or identifiable individual. For the purposes of the CCPA/CPRA, Personal Data  means any information that identifies, relates to, describes or is capable of being  associated with, or could reasonably be linked, directly or indirectly, with You. We use  “Personal Data” and “Personal Information” interchangeably unless a law uses a specific term. 

• Service refers to the Website. 

• Service Provider means any natural or legal person who processes the data on behalf  of the Company. It refers to third-party companies or individuals employed by the  Company to facilitate the Service, to provide the Service on behalf of the Company, to  perform services related to the Service or to assist the Company in analyzing how the  Service is used. 

• Usage Data refers to data collected automatically, either generated by the use of the  Service or from the Service infrastructure itself (for example, the duration of a page  visit). 

• Website refers to Mindful Finance Solutions, accessible from  

https://www.mindfulfinancesolutionsllc.com/. 

• You means the individual accessing or using the Service, or the company, or other legal  entity on behalf of which such individual is accessing or using the Service, as applicable. 

Collecting and Using Your Personal Data 

Types of Data Collected 

Personal Data 

While using Our Service, We may ask You to provide Us with certain personally identifiable  information that can be used to contact or identify You. Personally identifiable information  may include, but is not limited to: 

• Email address 

• First name and last name 

• Phone number 

Usage Data

Usage Data is collected automatically when using the Service. 

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP  address), browser type, browser version, the pages of our Service that You visit, the time and  date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic  data. 

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile  device’s unique ID, the IP address of Your mobile device, Your mobile operating system, the  type of mobile Internet browser You use, unique device identifiers and other diagnostic data. 

We may also collect information that Your browser sends whenever You visit Our Service or  when You access the Service by or through a mobile device. 

Tracking Technologies and Cookies 

We use Cookies and similar tracking technologies to track the activity on Our Service and store  certain information. Tracking technologies We use include beacons, tags, and scripts to collect  and track information and to improve and analyze Our Service. The technologies We use may  include: 

• Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can  instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent.  However, if You do not accept Cookies, You may not be able to use some parts of our  Service. 

• Web Beacons. Certain sections of our Service and our emails may contain small  electronic files known as web beacons (also referred to as clear gifs, pixel tags, and  single-pixel gifs) that permit the Company, for example, to count users who have visited  those pages or opened an email and for other related website statistics (for example,  recording the popularity of a certain section and verifying system and server integrity). 

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal  computer or mobile device when You go offline, while Session Cookies are deleted as soon as  You close Your web browser. 

Where required by law, we use non-essential cookies (such as analytics, advertising, and  remarketing cookies) only with Your consent. You can withdraw or change Your consent at any time using Our cookie preferences tool (if available) or through Your browser/device settings.  Withdrawing consent does not affect the lawfulness of processing based on consent before its  withdrawal. 

We use both Session and Persistent Cookies for the purposes set out below: 

Necessary / Essential Cookies Type: Session Cookies. Administered by: Us. Purpose: These  Cookies are essential to provide You with services available through the Website and to enable  You to use some of its features. They help to authenticate users and prevent fraudulent use of  user accounts. Without these Cookies, the services that You have asked for cannot be provided,  and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies Type: Persistent Cookies. Administered by: Us.  Purpose: These Cookies identify if users have accepted the use of cookies on the Website. 

Functionality Cookies Type: Persistent Cookies. Administered by: Us. Purpose: These Cookies  allow Us to remember choices You make when You use the Website, such as remembering your  login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use  

the Website. 

Tracking and Performance Cookies Type: Persistent Cookies. Administered by: Third  Parties. Purpose: These Cookies are used to track information about traffic to the Website and  how users use the Website. The information gathered via these Cookies may directly or  indirectly identify you as an individual visitor. This is because the information collected is  typically linked to a pseudonymous identifier associated with the device you use to access the  Website. We may also use these Cookies to test new pages, features or functionality of the  Website to see how our users react to them. 

For more information about the cookies we use and your choices regarding cookies, please visit  our Cookies Policy or the Cookies section of Our Privacy Policy. 

Use of Your Personal Data 

The Company may use Personal Data for the following purposes: 

• To provide and maintain our Service, including to monitor the usage of our Service.

• To manage Your Account: to manage Your registration as a user of the Service. The  Personal Data You provide can give You access to different functionalities of the Service  that are available to You as a registered user. 

• For the performance of a contract: the development, compliance and undertaking of  the purchase contract for the products, items or services You have purchased or of any  other contract with Us through the Service. 

• To contact You: To contact You by email, telephone calls, SMS, or other equivalent  forms of electronic communication, such as a mobile application’s push notifications  regarding updates or informative communications related to the functionalities,  products or contracted services, including the security updates, when necessary or  reasonable for their implementation. 

• To provide You with news, special offers, and general information about other  goods, services and events which We offer that are similar to those that you have  already purchased or inquired about unless You have opted not to receive such  information. 

• To manage Your requests: To attend and manage Your requests to Us.

• For business transfers: We may use Your Personal Data to evaluate or conduct a  merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer  of some or all of Our assets, whether as a going concern or as part of bankruptcy,  liquidation, or similar proceeding, in which Personal Data held by Us about our Service  users is among the assets transferred.

• For other purposes: We may use Your information for other purposes, such as data  analysis, identifying usage trends, determining the effectiveness of our promotional  campaigns and to evaluate and improve our Service, products, services, marketing and  your experience. 

We may share Your Personal Data in the following situations: 

• With Service Providers: We may share Your Personal Data with Service Providers to  monitor and analyze the use of our Service, for payment processing, to contact You.

• For business transfers: We may share or transfer Your Personal Data in connection  with, or during negotiations of, any merger, sale of Company assets, financing, or  acquisition of all or a portion of Our business to another company. 

• With Affiliates: We may share Your Personal Data with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent  company and any other subsidiaries, joint venture partners or other companies that We  control or that are under common control with Us. 

• With business partners: We may share Your Personal Data with Our business  partners to offer You certain products, services or promotions. 

• With other users: If Our Service offers public areas, when You share Personal Data or  otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. 

• With Your consent: We may disclose Your Personal Data for any other purpose with  Your consent. 

Retention of Your Personal Data 

The Company will retain Your Personal Data only for as long as is necessary for the purposes  set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary  to comply with our legal obligations (for example, if We are required to retain Your data to  comply with applicable laws), resolve disputes, and enforce our legal agreements and policies. 

Where possible, We apply shorter retention periods and/or reduce identifiability by deleting,  aggregating, or anonymizing data. Unless otherwise stated, the retention periods below are  maximum periods (“up to”) and We may delete or anonymize data sooner when it is no longer  needed for the relevant purpose. We apply different retention periods to different categories of  Personal Data based on the purpose of processing and legal obligations: 

Account Information - User Accounts: retained for the duration of your account relationship  plus up to 24 months after account closure to handle any post-termination issues or resolve  disputes. 

Customer Support Data - Support tickets and correspondence: up to 24 months from the date  of ticket closure to resolve follow-up inquiries, track service quality, and defend against  potential legal claims - Chat transcripts: up to 24 months for quality assurance and staff  training purposes. 

Usage Data - Website analytics data (cookies, IP addresses, device identifiers): up to 24 months from the date of collection, which allows us to analyze trends while respecting privacy 

principles. - Server logs (IP addresses, access times): up to 24 months for security monitoring  and troubleshooting purposes. 

Marketing Data - Email Marketing: retained until you unsubscribe or up to 24 months from  your last engagement (last email opened or clicked), whichever comes first. 

Financial and Transaction Data - Payment information: credit/debit card details are not  stored on Our servers; they are processed by our Payment Service Providers. We retain  transaction records (invoice details, purchase history, amounts) for up to 10 years from the  date of transaction to comply with tax laws and financial regulations. - Billing and invoice  records: up to 10 years to meet accounting and tax compliance requirements. 

Usage Data is retained in accordance with the retention periods described above, and may be  retained longer only where necessary for security, fraud prevention, or legal compliance. 

We may retain Personal Data beyond the periods stated above for different reasons: 

• Legal obligation: We are required by law to retain specific data (e.g., financial records  for tax authorities). 

• Legal claims: Data is necessary to establish, exercise, or defend legal claims.

• Your explicit request: You ask Us to retain specific information. 

• Technical limitations: Data exists in backup systems that are scheduled for routine  deletion. 

You may request information about how long We will retain Your Personal Data by contacting  Us. 

When retention periods expire, We securely delete or anonymize Personal Data according to the following procedures: 

• Deletion: Personal Data is removed from Our systems and no longer actively processed.

• Backup retention: Residual copies may remain in encrypted backups for a limited  period consistent with our backup retention schedule and are not restored except where necessary for security, disaster recovery, or legal compliance. 

• Anonymization: In some cases, We convert Personal Data into anonymous statistical  data that cannot be linked back to You. This anonymized data may be retained  indefinitely for research and analytics. 

Transfer of Your Personal Data 

Your information, including Personal Data, is processed at the Company’s operating offices and  in any other places where the parties involved in the processing are located. It means that this  information may be transferred to — and maintained on — computers located outside of Your  state, province, country or other governmental jurisdiction where the data protection laws may  differ from those from Your jurisdiction. 

Where required by applicable law, We will ensure that international transfers of Your Personal  Data are subject to appropriate safeguards and supplementary measures where appropriate.

The Company will take all steps reasonably necessary to ensure that Your data is treated  securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will  take place to an organization or a country unless there are adequate controls in place including  the security of Your data and other personal information. 

Delete Your Personal Data 

You have the right to delete or request that We assist in deleting the Personal Data that We  have collected about You. 

Our Service may give You the ability to delete certain information about You from within the  Service. 

You may update, amend, or delete Your information at any time by signing in to Your Account,  if you have one, and visiting the account settings section that allows you to manage Your  personal information. You may also contact Us to request access to, correct, or delete any  Personal Data that You have provided to Us. 

Please note, however, that We may need to retain certain information when we have a legal  obligation or lawful basis to do so. 

Disclosure of Your Personal Data 

Business Transactions 

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be  transferred. We will provide notice before Your Personal Data is transferred and becomes  subject to a different Privacy Policy. 

Law enforcement 

Under certain circumstances, the Company may be required to disclose Your Personal Data if  required to do so by law or in response to valid requests by public authorities (e.g. a court or a  government agency). 

Other legal requirements 

The Company may disclose Your Personal Data in the good faith belief that such action is  necessary to: 

• Comply with a legal obligation 

• Protect and defend the rights or property of the Company 

• Prevent or investigate possible wrongdoing in connection with the Service

• Protect the personal safety of Users of the Service or the public 

• Protect against legal liability 

Security of Your Personal Data 

The security of Your Personal Data is important to Us, but remember that no method of  transmission over the Internet, or method of electronic storage is 100% secure. While We strive 

to use commercially reasonable means to protect Your Personal Data, We cannot guarantee its  absolute security. 

Detailed Information on the Processing of Your Personal Data 

The Service Providers We use may have access to Your Personal Data. These third-party  vendors collect, store, use, process and transfer information about Your activity on Our Service  in accordance with their Privacy Policies. 

Analytics 

We may use third-party Service Providers to monitor and analyze the use of our Service. Squarespace — Their Privacy Policy can be viewed at https://www.squarespace.com/privacyEmail Marketing 

We may use Your Personal Data to contact You with newsletters, marketing or promotional  materials and other information that may be of interest to You. You may opt-out of receiving  any, or all, of these communications from Us by following the unsubscribe link or instructions  provided in any email We send or by contacting Us. 

We may use Email Marketing Service Providers to manage and send emails to You. Squarespace — Their Privacy Policy can be viewed at https://www.squarespace.com/privacyPayments 

We may provide paid products and/or services within the Service. In that case, we may use  third-party services for payment processing (e.g. payment processors). 

We will not store or collect Your payment card details. That information is provided directly to  Our third-party payment processors whose use of Your personal information is governed by  their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as  managed by the PCI Security Standards Council, which is a joint effort of brands like Visa,  Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure  handling of payment information. 

Stripe — Their Privacy Policy can be viewed at https://stripe.com/us/privacy

Wave Payments — Their Privacy Policy can be viewed at https://www.waveapps.com/legal/privacy-policy

California Privacy Notice 

Mindful Finance Solutions LLC does not currently meet the applicability thresholds under the  California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA) that would  require full compliance with that law’s formal notice and rights framework. We provide this  notice voluntarily, in the interest of transparency, and it does not constitute a waiver of that  position or an admission that CCPA/CPRA applies to Us.

We do not sell or share Your personal information with third parties in exchange for money or  other valuable consideration. 

If You are a California resident and have questions about the personal information We collect  through the Website, or would like to make a request regarding Your information, You can  contact Us at service@mindfulfinancesolutionsllc.com. We will respond to reasonable requests  in a timely manner. 

If MFS’s business grows to a point where it meets CCPA/CPRA’s applicability thresholds, We  will update this Privacy Policy and Our practices accordingly. 

“Do Not Track” Policy as Required by California Online Privacy Protection Act (CalOPPA) Our Service does not respond to Do Not Track signals. 

However, some third-party websites do keep track of Your browsing activities. If You are  visiting such websites, You can set Your preferences in Your web browser to inform websites  that You do not want to be tracked. You can enable or disable DNT by visiting the preferences  or settings page of Your web browser. 

Your California Privacy Rights (California’s Shine the Light law) 

Under California Civil Code Section 1798 (California’s Shine the Light law), California residents  with an established business relationship with Us can request information once a year about  sharing their Personal Data with third parties for the third parties’ direct marketing purposes. 

MFS does not share Client Personal Information with third parties for those third parties’ own  direct marketing purposes. 

If you’d like to request more information under the California Shine the Light law, and if You  are a California resident, You can contact Us using the contact information provided below. 

California Privacy Rights for Minor Users (California Business and Professions Code Section  22581) 

California Business and Professions Code Section 22581 allows California residents under the  age of 18 who are registered users of online sites, services or applications to request and obtain  removal of content or information they have publicly posted. 

To request removal of such data, and if You are a California resident, You can contact Us using  the contact information provided below, and include the email address associated with Your  Account. 

Be aware that Your request does not guarantee complete or comprehensive removal of content  or information posted online and that the law may not permit or require removal in certain  circumstances. 

Children’s Privacy 

Our Service does not address anyone under the age of 16. We do not knowingly collect  personally identifiable information from anyone under the age of 16. If You are a parent or 

guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 16  without verification of parental consent, We take steps to remove that information from Our  servers. 

If We need to rely on consent as a legal basis for processing Your information and Your country  requires consent from a parent, We may require Your parent’s consent before We collect and  use that information. 

Links to Other Websites 

Our Service may contain links to other websites that are not operated by Us. If You click on a  third party link, You will be directed to that third party’s site. We strongly advise You to review  the Privacy Policy of every site You visit. 

We have no control over and assume no responsibility for the content, privacy policies or  practices of any third party sites or services. 

Changes to this Privacy Policy 

We may update Our Privacy Policy from time to time. We will notify You of any changes by  posting the new Privacy Policy on this page. 

We will let You know via email and/or a prominent notice on Our Service, prior to the change  becoming effective and update the “Last updated” date at the top of this Privacy Policy. 

You are advised to review this Privacy Policy periodically for any changes. Changes to this  Privacy Policy are effective when they are posted on this page. 

Contact Us 

If you have any questions about this Privacy Policy, You can contact us: 

• By email: service@mindfulfinancesolutionsllc.com