Privacy Policy

Last Updated: January 2025

Table of Contents

1. Introduction

Ryan O'Connell Finance ("we," "us," or "our") operates the website ryanoconnellfinance.com (the "Website"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Website, use our services, or engage with our tools and resources.

We are committed to protecting your privacy and ensuring the security of your personal information. By using our Website and services, you consent to the data practices described in this Privacy Policy.

If you do not agree with the terms of this Privacy Policy, please do not access or use our Website or services.

2. Information We Collect

Information You Provide to Us

Contact Information

Professional Services Information

Account and Registration Data

Content and Communications

Information We Collect Automatically

Technical Information

Cookies and Similar Technologies

Tool and Calculator Usage

3. How We Use Your Information

Primary Purposes

Business Operations

Service Improvement

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following situations:

Service Providers

We work with trusted third-party service providers who assist us in operating our Website and delivering our services:

Legal Requirements

We may disclose your information when required by law or in response to:

Business Transfers

If our business is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

With Your Consent

We may share your information with your explicit consent or at your direction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

Important: While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Retention Periods

7. Your Rights and Choices

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

Communication Preferences

How to Exercise Your Rights

To exercise any of these rights, please use our contact form below. We will respond to your request within 30 days.

8. Cookies and Tracking Technologies

Types of Cookies We Use

Essential Cookies

Required for Website functionality, security, and performance. Cannot be disabled.

Analytics Cookies

Help us understand how visitors interact with our Website to improve user experience.

Preference Cookies

Remember your settings and preferences for a personalized experience.

Marketing Cookies

Used to deliver relevant advertisements and track campaign effectiveness.

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect Website functionality.

9. Third-Party Services

We integrate with various third-party services to enhance functionality:

Analytics and Performance

Communication Services

Financial Data Services

Infrastructure Services

Note: These third-party services have their own privacy policies. We encourage you to review their policies when using features that integrate with these services.

10. Children's Privacy

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

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately using the contact form on this website.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including the United States. These countries may have different data protection laws than your jurisdiction.

By using our Website and services, you consent to the transfer of your information to these countries. We take appropriate safeguards to ensure your information remains protected in accordance with this Privacy Policy.

12. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Your California Rights

Categories of Information Collected

How to Exercise Your Rights

California residents can make requests using our contact form. We will verify your identity before processing your request.

Shine the Light: California residents may also request information about disclosure of personal information to third parties for direct marketing purposes.

13. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA) or United Kingdom, you have additional rights under the General Data Protection Regulation (GDPR):

Legal Basis for Processing

We process your personal information based on the following legal grounds:

Your GDPR Rights

Data Protection Officer

For GDPR-related inquiries, contact our Data Protection Officer using the contact form below. Please include "GDPR Inquiry" in your message.

EU Representative

We do not have an EU representative as we do not regularly process large-scale EU personal data.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make changes, we will:

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us using the form below:

Ryan O'Connell Finance

Location: The Colony, Texas

Website: ryanoconnellfinance.com

For privacy-specific inquiries, please include "Privacy Request" in your message. For GDPR requests, include "GDPR Request" in your message.

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