Privacy Policy

This Privacy Policy explains how KAV Solutions (“Company”, “we”, “our”, or “us”) collects, uses, discloses, stores, and protects your information when you access our website, coaching programs, planning tools, and financial advisory services (collectively, the “Services”).

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Services.

As an education-first firm, we hold the protection of your personal and financial information to the highest standard not just because the law requires it, but because it is the right thing to do.

This Privacy Policy describes:

• What personal and financial information we collect
• How and why we use your information
• When and with whom we share your information
• How we keep your information secure
• Your legal rights and how to exercise them
• Regional compliance disclosures (USA & Canada)

This policy applies to website visitors, coaching clients, workshop attendees, partner advisors, and anyone who contacts us for information.

Information You Provide Directly

When you book a call, enroll in coaching, or contact us, we may collect:

• Full name and contact details (email, phone)
• Household income, assets, debts, and financial goals
• Family composition (e.g., dependents, beneficiaries)
• Insurance policy details and retirement account information
• Billing and payment details (processed securely via Stripe)
• Communications and notes from coaching sessions
• Documents you voluntarily share (e.g., existing policy statements)

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate location
• Browser type and device information
• Pages visited, time on site, and referring URLs
• Cookies and similar tracking technologies

Information from Third Parties

We may receive limited information from scheduling platforms, payment processors, or referral partners, solely to facilitate our Services.

We use your information to:

• Deliver personalized financial coaching and planning services
• Match you with the right licensed advisor for your situation
• Process payments and issue receipts
• Send service-related communications (appointment reminders, updates)
• Improve our coaching programs and website experience
• Comply with FINRA, SEC, and applicable state regulations
• Detect and prevent fraud or unauthorized access
• Respond to your inquiries and support requests

We do not sell your personal or financial data. Ever.

We do not use your financial information for any purpose other than delivering the Services you have requested.

Service Providers

We work with a limited set of trusted vendors who help us operate our Services, including:

• Payment processors (e.g., Stripe)
• Scheduling platforms (e.g., Calendly)
• Video conferencing tools (e.g., Zoom)
• Cloud hosting and email providers

All vendors are contractually bound to protect your data and may not use it for their own purposes.

Insurance Carriers and Partners

With your explicit consent, we may share limited information with insurance carriers or licensed partner advisors strictly to facilitate a product review or referral you have requested.

Legal Requirements

We may disclose information if required by law, court order, regulatory authority (e.g., FINRA, SEC), or to protect the rights and safety of our clients or the public.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred, subject to the same privacy protections.

We take the security of your financial and personal information seriously. Our safeguards include:

• SSL/TLS encryption for all data in transit
• Encrypted storage for sensitive financial records
• Role-based access controls only advisors assigned to you can access your file
• Secure, SOC 2-compliant infrastructure providers
• Regular security reviews and access audits

While we apply industry-best practices, no system is completely impenetrable. We encourage you to use strong, unique passwords and to contact us immediately at contact@kav.solutions if you suspect unauthorized access.

We retain your personal and financial information only as long as necessary to:

• Provide ongoing Services and support
• Comply with FINRA recordkeeping rules and applicable law
• Resolve disputes and enforce agreements
• Meet our regulatory audit obligations

Coaching session notes and financial plans are typically retained for a minimum of five (5) years in compliance with regulatory requirements. You may request deletion of non-regulated data at any time.

Depending on your location, you may have rights under applicable privacy laws, including the California Consumer Privacy Act (CCPA) and Canada’s PIPEDA:

• Right to know what personal data we hold about you
• Right to correct inaccurate information
• Right to request deletion of non-regulated personal data
• Right to opt out of marketing communications at any time
• Right to data portability (where technically feasible)
• Right to withdraw consent without affecting prior processing

To exercise any of these rights, contact our Privacy Officer:

Email: contact@kav.solutions

We will respond within 30 days of a verified request.

Our website uses cookies and similar technologies to improve your experience and understand how visitors use our site.

Types of cookies we use:

• Essential: Required for the website to function (e.g., booking flow, security tokens)
• Analytics: Help us understand site usage via anonymized data (e.g., Google Analytics)
• Preferences: Remember your settings and choices

You can control cookies through your browser settings. Disabling non-essential cookies will not affect your ability to use our core Services.

Our Services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under 18.

If you believe a minor has provided us with personal information, please contact us at contact@kav.solutions and we will promptly delete it.

United States

We comply with applicable federal and state privacy regulations, including:

• Gramm-Leach-Bliley Act (GLBA) financial data privacy
• California Consumer Privacy Act (CCPA) California residents
• FINRA Rule 4370 and applicable SEC regulations

Canada

For our Canadian clients, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

International Users

If you access our Services from outside the USA or Canada, your information may be processed in the United States, where our servers are located.

We may update this Privacy Policy from time to time to reflect changes in our practices, Services, or applicable law.

Material changes will be communicated via email to active clients or posted prominently on our website. The “Last Updated” date at the top of this page will always reflect the most recent revision.

Continued use of our Services after a policy update constitutes your acceptance of the revised terms.