MFS Privacy Policy - last updated on 12/02/24
McGregor Financial Services (“MFS”, “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.
Types Of Data We Collect
This includes details such as your name, job title, postal address, email address, and phone number.
Personal Contact Information
Information gathered from your visits to our website or app, or data related to event invitations, marketing materials, updates, and other electronic communications we send you.
Technical Data
Communication Preferences
Your choices regarding the marketing materials you wish to receive.
Additional Personal Information
Any other information you share with us during our relationship, including your opinions and feedback.
Identity Documents
Copies of documents provided for identity verification when legally required or necessary for transactions, such as a passport, government-issued ID, or social security number (if relevant to your tax circumstances). These documents typically contain your full name, address, date of birth, and a facial image. Passports may also include details like place of birth, gender, and nationality.
Financial Information
Data such as income, financial transactions, tax returns, bank details, and any other financial records necessary for tax preparation or accounting services.
Employment Details
Information about your employer, salary, benefits, and employment status, when relevant to your tax or financial situation.
Social Media Information
If you interact with us via social media platforms, we may collect your username to help respond to your questions, comments, or feedback.
Navigation And Device Data
Information related to how you interact with our website, including your IP address, browser type, and pages visited.
Some of the data we collect, such as identity verification details, financial information, and employment data, are considered "sensitive" and are handled with additional care. These will only be used for the specific purposes for which you provide them.
Who We Collect Data From
We collect and handle data from various groups of individuals, as outlined below:
This includes individuals using our website, filling out contact forms, engaging with interactive features, or communicating with us via email, phone, post, or social media.
Website Users And Inquiries
These are individuals who book consultations or meetings, purchase our products or services, download our applications, communicate with us regarding products, services, and account management (including inquiries or complaints), or provide reviews.
Clients And Service Recipients
We collect and utilize your personal data for the following reasons:
This includes third-party suppliers, business partners, and consultants.
Third Party Service Providers And Partners
Data Shared By External Sources
This applies to personal data shared by third parties, such as partners or data subjects mentioned above, during our business operations. This may also include prospective customer details provided by partners or other sources, as well as the personal data of key individuals needed for now-your-client (KYC) and anti-money laundering (AML) purposes.
If you're unsure which category you fall under, feel free to contact us for clarification.
Our Use Of Your Personal Data
Website Users And Inquiries
We analyze how visitors interact with our website and its features to enhance user experience and tailor our offerings. This may involve the use of cookies—more details about cookies can be found below.
If you reach out to us, we use the information you provide to address your inquiries and fulfill your requests. We may keep a record of your communications to improve future interactions and document our exchanges. This is done in accordance with our contractual obligations to you and our legitimate interests in providing excellent service and gaining insights for improvement.
Clients And Service Recipients
We use your personal data for the following purposes:
To manage and enhance our services and support, based on your consent at the time of your request or as necessary to fulfill a contract with you.
To protect both our business and you from fraud and illegal activities while meeting our compliance obligations related to know-your-client (KYC) and anti-money laundering (AML) regulations. This includes conducting legal checks and maintaining secure dealings with you, in compliance with legal obligations and our legitimate interests.
If we identify any criminal activity or suspected illegal actions, we aim to safeguard all individuals involved.
To keep you informed through mail, email, and phone about relevant services and events you may find interesting. You can opt out of these communications at any time.
To send you mandatory communications about our services, which do not contain promotional content and do not require prior consent. Failure to use your data for these purposes may prevent us from fulfilling our contractual obligations and legal requirements.
To develop, test, and improve our systems and services based on our legitimate business interests.
To comply with contractual or legal obligations to share data with law enforcement or third parties we collaborate with.
Third Party Service Providers And Partners
We utilize your personal data for:
Assessing your status, finances, and service performance before entering contracts or managing our ongoing relationship. This is done based on our legitimate business interests.
Communicating with you about the products and services we jointly provide, facilitating their delivery, and processing payments according to our contractual arrangements. This is essential for fulfilling our contract.
Data Shared By External Sources
Your personal data will be used under the same terms as outlined above, depending on the context in which it was shared with us.
In all cases, we may also use personal data for:
Monitoring and recording communications—such as phone calls and emails—for training, fraud prevention, and quality assurance purposes. We may keep records of these communications and any details you provide (like support requests or complaints) for internal management and auditing, based on our legitimate interests.
How We Use Cookies
Cookies are small text files placed on your device when you visit our website. They help us identify you and distinguish you from other users, which enhances your browsing experience and allows us to improve our website.
Our site uses two types of cookies:
Session Cookies
These are temporary cookies that remain on your device only while you are browsing our website. They are automatically deleted when you close your browser.
Persistent Cookies
These cookies remain on your device after you finish browsing. They allow us to remember your preferences for future visits and are set to expire after 30 days.
We also utilize Google Analytics cookies to gather data on how you use our website, helping us enhance its functionality and user experience.
You have the option to restrict, block, or delete cookies through your browser settings. Please note that disabling all cookies may affect your ability to access certain features of our website. Additionally, if you delete cookies related to our site, including your cookie preferences, you will be treated as a new visitor the next time you visit.
For more information about cookies, you can visit All About Cookies.
By continuing to use our website without adjusting your browser settings, you agree to our use of cookies as described.
Sharing Your Personal Data
Purpose Limitation
We may share your personal data with third parties when necessary to provide their products or services to us and/or to you. Here’s how we ensure your data remains protected:
We only share the information necessary for the third parties to perform their specific functions.
Restricted Use
They can use your data solely for the purposes outlined in our agreements with them.
Privacy Assurance
We collaborate closely with these third parties to ensure your privacy is maintained and protected.
If we cease using their services, any data they hold about you will be either deleted or anonymized.
Data Retention
Types Of Third Parties We Work With:
Companies that support and host our website, applications, and other systems, storing your personal data on our behalf.
IT Service Providers
Operational Partners
Providers of tax and accounting software and other essential business systems.
Marketing Firms
Companies that help us verify and update your contact details.
Agencies that assist us in managing our electronic and printed communications with you.
Data Accuracy Services
Compliance Providers
Entities that perform regulatory and compliance checks on our behalf
In Certain Circumstances, We May Also Share Your Data With:
If required, we might disclose your data to police or other government bodies in response to a valid request. Each request is reviewed individually, considering your privacy.
We may share information related to fraudulent activity with law enforcement or regulatory bodies.
Fraud Prevention Authorities
Legal and Regulatory Bodies
Business Transactions
If we sell or transfer our business, your contact information and other relevant data may be part of the transferred assets.
For more details on how we share your personal data, please contact us.
How We Use Your Data For Customer Management, Marketing And Remarketing
We may share your personal data with third-party service providers who handle, store, process, and transfer information related to your activity on our services, in accordance with their privacy policies. Here’s how we manage your data across various services:
We utilize third-party analytics providers to monitor and analyze how our services are used:
Google Analytics: This service helps us track and report on website traffic and user behavior. Google may use the data collected to enhance its advertising services. To optout of Google Analytics, you can install the Google Analytics Opt-out Browser Addon or adjust your mobile device settings. For more on Google’s privacy practices, visit Google Privacy & Terms.
Analytics
We may use your personal data to send you newsletters, marketing materials, and other relevant information:
Mailchimp: We use this service to manage our email campaigns. You can view Mailchimp’s privacy policy here https://www.intuit.com/privacy/statement/ .To unsubscribe from marketing emails, follow the unsubscribe link in any email or contact us directly.
Email Marketing
Customer Relationship Management (CRM)
We employ third-party CRM providers to enhance our interactions with current and potential clients:
HubSpot: Our CRM provider helps us manage client relationships. HubSpot’s privacy policy can be reviewed here.
We use remarketing services to display targeted ads to you after you visit our website:
Google Ads (AdWords): This service helps us show ads based on your previous visits. You can opt out or customize your ad settings via the Google Ads Settings page and Google Analytics Opt-out Browser Add-on. For more information, visit Google Privacy & Terms.
Facebook: We use Facebook’s remarketing to show ads tailored to your interests. Learn more about Facebook’s ads here and manage your preferences here. Facebook adheres to self-regulatory principles for online behavioral advertising. You can also opt out through the Digital Advertising Alliance or equivalent organizations in your region.
LinkedIn: For LinkedIn’s privacy practices, see their Privacy Policy.
Remarketing
We may share hashed email addresses or other online identifiers with these vendors to enable cross-device and cross-browser ad delivery. For more information about the technologies used and their cross-device capabilities, please refer to the privacy policies of the respective vendors.
If you have any questions about how your data is used, feel free to contact us.
At MFS, we prioritize the security of your personal data and are committed to protecting it with the highest level of care. We implement a range of technical and organizational measures to secure the personal information we collect from unauthorized access, improper use, disclosure, modification, or destruction, while adhering to relevant data protection laws.
To ensure secure access to sensitive areas of our website, we use ‘https’ technology. However, it is important to note that while we employ industry-standard measures to protect your data, no method of transmission over the Internet or electronic storage can be considered completely secure. Although we strive to provide robust protection for your personal data, we cannot guarantee absolute security.
How We Safeguard Your Personal Data
Your Rights Over Your Personal Data
At MFS, we prioritize the security of your personal data and are committed to protecting it with the highest level of care. We implement a range of technical and organizational measures to secure the personal information we collect from unauthorized access, improper use, disclosure, modification, or destruction, while adhering to relevant data protection laws.
To ensure secure access to sensitive areas of our website, we use ‘https’ technology. However, it is important to note that while we employ industry-standard measures to protect your data, no method of transmission over the Internet or electronic storage can be considered completely secure. Although we strive to provide robust protection for your personal data, we cannot guarantee absolute security.
Rights Under GDPR
If you are a resident of the EU, you have the following rights under GDPR
Access: Request access to, update, or delete your personal data. You can do this through your account settings or by contacting us for assistance.
Correction Request correction of any incomplete or inaccurate personal data we hold
Objection: Object to the processing of your personal data based on legitimate interests or for direct marketing purposes.
Erasure: Request the deletion of your personal data when we no longer need it for processing.
Data Portability: Request that we transfer your personal data to you or a third party in a structured, commonly used format, applicable to automated data processing based on your consent or contract.
Withdraw Consent: Withdraw your consent for data processing if consent was the basis for processing, though this may limit some service functionalities.
To exercise these rights, contact us directly. We may ask you to verify your identity before processing your request.
If you are a California resident, you have the following rights under the CCPA:
Notice: Be informed about the categories of personal data collected and the purposes for which it is used.
Access: Request details about our collection, use, sale, and sharing of your personal information, including specific pieces of information and categories of third parties with whom it is shared.
Opt-Out: Opt-out of the sale of your personal information.
Deletion: Request the deletion of your personal information, subject to exceptions
Non-Discrimination: Ensure that exercising your rights does not result in discrimination.
For more information, or to exercise your rights, please contact us.
Rights Under CCPA (California Residents)
Shine the Light: California residents with an established business relationship with us can request information about sharing their personal data with third parties for direct marketing purposes once per year
Minor Users: Residents under 18 can request removal of content or information they have publicly posted online. Please include the email address associated with your account when making such a request.
California Privacy Rights
Children’s Privacy Protection
Our services are not intended for individuals under 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal data, please contact us. If we discover that we have collected personal data from a child under 13 without parental consent, we will take steps to remove that information.
If you live elsewhere and wish to exercise similar rights, please contact us for more information.
Updates To This Privacy Policy
We may update our website or services at any time, which may result in changes to our privacy policy. To stay informed about how we use your personal information, we recommend reviewing this policy periodically.
Any changes to this privacy policy will take effect as soon as they are posted on this page. We encourage you to check this page regularly to stay updated on our practices.
Contact Us
If you have any questions about this Privacy Policy, You can contact us at Info@McGregorFinancials.com