Privacy Policy

1. Introduction

Spenillo Financial Wellness, LLC ("we," "us," or "our") operates the website spenillofinancialwellness.com and provides personal finance coaching services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, use our services, or otherwise interact with us.

By using our website or engaging our services, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access our website or use our services.

2. Information We Collect

2.1 Information You Provide Directly

We may collect the following personal information that you voluntarily provide to us:

• Name, email address, and phone number (via our contact form or scheduling tool)
• Financial information you share during coaching sessions (income, expenses, debts, savings goals, budget details)
• Scheduling and appointment information (via Google Calendar Appointment Scheduling)
• Any additional information you choose to provide in messages, forms, or during coaching sessions

2.2 Information Collected Automatically

When you visit our website, certain information may be collected automatically, including:

• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website or source
• IP address (anonymized where possible)

2.3 Third-Party Services

Our website and services use the following third-party tools that may collect information:

• Formsubmit.co — processes contact form submissions (name, email, message content)
• Google Calendar Appointment Scheduling — handles appointment scheduling (name, email, selected time slots)
• Google Workspace — manages email communications

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and improve our personal finance coaching services
• To respond to your inquiries and communicate with you
• To schedule and manage coaching appointments
• To send you relevant information about our services (only with your consent)
• To comply with legal obligations
• To protect against fraudulent, unauthorized, or illegal activity

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. How We Protect Your Information

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, alteration, or disclosure. These measures include:

• Encrypted email communication via Google Workspace
• Secure, password-protected access to client records
• Limited access to personal information on a need-to-know basis

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is completely secure. We cannot guarantee absolute security.

5. Financial Information Disclaimer

Spenillo Financial Wellness, LLC provides personal finance coaching and education services. We are not a licensed financial advisor, certified public accountant, or attorney. Any financial information you share with us during coaching sessions is used solely to provide personalized coaching guidance.

We do not store sensitive financial account credentials (such as bank account numbers, credit card numbers, or login credentials). We strongly advise against sharing such credentials with us or any third party.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely delete or anonymize it.

If you are a current or former client, we may retain records related to your coaching engagement for up to three (3) years after our last interaction for legal and business purposes.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access the personal information we hold about you
• The right to request correction of inaccurate personal information
• The right to request deletion of your personal information
• The right to opt out of marketing communications
• The right to data portability (receiving your data in a usable format)

To exercise any of these rights, please contact us at [email protected]. We will respond to your request within 30 days.

8. California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information. These include the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information.

We do not sell personal information. To submit a CCPA request, please contact us using the information provided in Section 11 of this policy.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete that information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. When we make changes, we will update the effective date at the top of this policy and post the revised version on our website. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Spenillo Financial Wellness, LLC
Email: [email protected]
Website: spenillofinancialwellness.com