1 Introduction
Wealth Value Network ("we," "us," "our") is a financial services firm headquartered at 806 E 13th St, Muncie, Indiana 47302, USA. We provide finance, loan, wealth management, tax advisory, and insurance services to clients across the United States.
This Privacy Policy describes how we collect, use, disclose, and safeguard your personal and financial information when you visit our website, use our services, or interact with us through other channels. By accessing our services, you consent to the practices described in this policy.
2 Information We Collect
2.1 Information You Provide Directly
- Personal Identifiers: Full name, email address, phone number, mailing address, date of birth, Social Security Number (when required for loan or account opening).
- Financial Information: Income details, employment information, credit history, investment portfolio data, tax filings, insurance details, and asset/liability information.
- Communication Records: Messages, emails, call notes, consultation records, and inquiries you submit to us.
- Service Preferences: Selected services, preferred contact times, advisor preferences, and risk tolerance profiles.
2.2 Information Collected Automatically
- Device & Browser Data: IP address, browser type, operating system, device identifiers, and screen resolution.
- Usage Data: Pages visited, time spent on pages, click patterns, referral sources, and interaction patterns.
- Cookies & Tracking Technologies: Session cookies, persistent cookies, web beacons, and similar technologies used to enhance user experience and analyze traffic.
2.3 Information from Third Parties
We may receive information from credit bureaus, identity verification services, financial institutions (with your authorization), public records, and our service providers to verify identity, assess creditworthiness, and prevent fraud.
3 How We Use Your Information
- Service Delivery: To provide financial advisory, loan processing, investment management, tax advisory, and insurance services you request.
- Identity Verification: To verify your identity, prevent fraud, and comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations.
- Communication: To respond to inquiries, send account updates, provide service notifications, and deliver newsletters (with your consent).
- Personalization: To tailor recommendations, content, and services based on your financial profile and preferences.
- Improvement: To analyze usage patterns, improve our services, develop new offerings, and enhance user experience.
- Marketing: To send promotional materials about relevant services — only with your explicit consent, which you may withdraw at any time.
- Legal Compliance: To comply with federal and state financial regulations, respond to legal requests, and protect our legal rights.
- Security: To monitor for suspicious activity, investigate potential violations, and protect against fraud.
4 Legal Basis for Processing (GDPR/CCPA)
For residents of California (CCPA) and EU/EEA residents (GDPR), we process your information under the following legal bases:
- Consent: When you explicitly agree to data processing (e.g., newsletter subscription).
- Contract Performance: When processing is necessary to deliver services you've requested.
- Legal Obligation: When processing is required by financial regulations, tax laws, or court orders.
- Legitimate Interest: For fraud prevention, service improvement, and security — balanced against your privacy rights.
5 How We Share Your Information
We do not sell your personal information. We may share data in the following limited circumstances:
5.1 Service Providers
Trusted third parties that support our operations — including cloud hosting providers, payment processors, CRM platforms, email service providers, and credit reporting agencies — under strict confidentiality and data protection agreements.
5.2 Financial Partners
Lenders, insurance carriers, and investment custodians involved in delivering your requested services, with your explicit authorization.
5.3 Legal & Regulatory Authorities
When required by law, court order, or to comply with regulatory obligations from entities such as the SEC, FINRA, IRS, state financial regulators, or law enforcement.
5.4 Business Transfers
In the event of a merger, acquisition, or asset sale, your information may be transferred to the acquiring entity — with continued protection under this policy or a substantially similar one.
5.5 With Your Consent
Information shared with any other party only when you provide explicit consent.
6 Data Security
We implement industry-leading security measures to protect your information:
- 256-bit AES encryption for data at rest and in transit (TLS 1.3)
- Multi-factor authentication for all account access
- SOC-2 Type II compliant infrastructure
- Regular third-party security audits and penetration testing
- Role-based access controls limiting data to authorized personnel only
- Continuous monitoring for suspicious activity and breaches
- Employee training on data protection and privacy protocols
Despite our safeguards, no system is 100% secure. We will notify affected users and relevant authorities within 72 hours of any confirmed breach, in accordance with state and federal laws.
7 Data Retention
We retain your information only as long as necessary to fulfill the purposes outlined in this policy:
- Active client records: Throughout the client relationship + 7 years after termination (per financial regulations).
- Loan application records: 7 years from application date.
- Tax advisory records: 7 years (IRS requirement).
- Marketing data: Until you unsubscribe or request deletion.
- Website analytics: 26 months, then aggregated or deleted.
8 Your Privacy Rights
Depending on your jurisdiction, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request correction of inaccurate or incomplete information.
- Deletion: Request deletion of your personal information (subject to legal retention requirements).
- Restriction: Request we limit processing of your data under certain circumstances.
- Portability: Receive your data in a structured, machine-readable format.
- Objection: Object to processing based on legitimate interests or for marketing.
- Withdraw Consent: Withdraw consent for processing at any time (e.g., newsletter — unsubscribe here).
- Non-Discrimination: Exercise your rights without facing discrimination in service quality.
To exercise these rights, contact us at info@wealthvaluenetwork.com or (765) 282-3629. We will respond within 30 days.
9 Cookies & Tracking Technologies
We use cookies to enhance your browsing experience, analyze traffic, and personalize content. Cookie categories include:
- Essential Cookies: Required for website functionality — cannot be disabled.
- Performance Cookies: Collect anonymous analytics to improve our services.
- Functional Cookies: Remember preferences such as language and region.
- Marketing Cookies: Track visitors across websites to display relevant ads (only with consent).
You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.
10 Children's Privacy
Our services are intended exclusively for individuals aged 18 and older. We do not knowingly collect information from minors. If you believe a child has provided us information, please contact us immediately, and we will delete it upon verification.
11 Third-Party Links
Our website may contain links to third-party websites (e.g., partner lenders, insurance carriers, regulatory resources). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
12 California Privacy Rights (CCPA/CPRA)
California residents have additional rights under the California Consumer Privacy Act and California Privacy Rights Act:
- Right to know what personal information is collected, sold, or shared.
- Right to opt-out of the sale or sharing of personal information.
- Right to limit the use of sensitive personal information.
- Right to non-discriminatory treatment for exercising privacy rights.
We do not sell personal information. To submit a verifiable consumer request, contact info@wealthvaluenetwork.com.
13 International Users
Our services are designed for U.S. residents. If you access our services from outside the United States, your information will be transferred to and processed in the U.S., where privacy laws may differ from your jurisdiction. By using our services, you consent to this transfer.
14 Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or organizational structure. We will notify you of material changes by email (if you're a subscriber) or by posting a prominent notice on our website 30 days before the changes take effect. Continued use of our services after the effective date constitutes acceptance of the updated policy.
15 Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact our Privacy Officer:
- Wealth Value Network
- 806 E 13th St, Muncie, Indiana 47302, USA
- Phone: (765) 282-3629
- Email: info@wealthvaluenetwork.com
We are committed to resolving any privacy-related concerns promptly and transparently.