Last Updated: September 1, 2026
1. Introduction
Money Guide Plan ("we," "us," "our"), located at 333 12th St, Colonial Beach, Virginia 22443, USA, respects your privacy and is committed to protecting the personal information you share with us through our website (moneyguideplan.com), consultation forms, newsletter and client onboarding processes. This Privacy Policy explains what we collect, why we collect it, how we protect it, and the choices you have, in compliance with applicable United States privacy laws including the California Consumer Privacy Act (CCPA/CPRA), the Virginia Consumer Data Protection Act (VCDPA) and other state privacy statutes where applicable.
2. Information We Collect
2.1 Information You Provide Directly
- Contact & enquiry data: name, email address, phone number, subject and message content submitted via our contact or booking forms (send-enq.php).
- Newsletter data: email address submitted via our subscription form (subscribe.php).
- Client onboarding data: financial goals, income, assets, liabilities, insurance policies and documents you voluntarily share during engagements.
2.2 Information Collected Automatically
- Technical data: IP address, browser type, device type, operating system, referring pages and pages visited.
- Usage data: time on page, click patterns and scroll behavior collected via privacy-respecting analytics to improve our website.
- Cookies & similar technologies: small files used for session management, preference memory and anonymized analytics. You may disable cookies in your browser settings at any time.
3. How We Use Your Information
- To respond to enquiries and schedule consultations within one business hour.
- To deliver, personalize and improve our financial planning and wealth management services.
- To send our weekly "Wealth Insights" newsletter only where you have opted in.
- To comply with legal, regulatory, tax and record-keeping obligations applicable to financial advisory practices.
- To detect, prevent and investigate fraud, spam or security incidents (including honeypot form fields).
We never sell, rent or trade your personal information to third parties for their marketing purposes. Period.
4. Legal Bases & Consent
Where required by law, we process personal data based on: (a) your explicit consent (forms, newsletter checkboxes); (b) performance of a contract (advisory agreements); (c) legitimate interests (website security and improvement); and (d) legal compliance obligations. You may withdraw consent at any time by contacting us or using our unsubscribe page.
5. Sharing & Disclosure
We share information only with:
- Service providers who assist with email delivery, hosting, custodial accounts and CRM — bound by confidentiality and security contracts.
- Professional partners (CPAs, attorneys) only with your written direction.
- Legal authorities when required by subpoena, court order or applicable law.
We do not transfer personal data outside the United States except where a client explicitly requests cross-border service with appropriate safeguards.
6. Data Retention
Enquiry and newsletter data are retained until you request deletion or unsubscribe. Client advisory records are retained for the period required by US financial regulatory and tax law (generally six to seven years after engagement ends), after which they are securely destroyed.
7. Data Security
We implement administrative, technical and physical safeguards including 256-bit TLS encryption in transit, encrypted storage at rest, multi-factor authentication for staff, role-based access control, server-side input sanitization, spam honeypots and annual security reviews. No method of transmission over the internet is 100% secure; however, we strive to exceed industry standards for a firm our size.
8. Your Privacy Rights (US Residents)
Depending on your state of residence (including California, Virginia, Colorado, Connecticut and others), you may have the right to:
- Know and access the personal data we hold about you;
- Correct inaccurate personal data;
- Delete personal data (subject to legal retention duties);
- Opt out of any sale or sharing (we do not sell data);
- Limit use of sensitive personal data;
- Not be discriminated against for exercising these rights.
To exercise any right, email info@moneyguideplan.com or call (804) 214-9952. We verify requests before action and respond within 45 days.
9. Email Communications & Unsubscribe
Every marketing email includes a one-click unsubscribe mechanism. You may also unsubscribe at any time via our unsubscribe page (processed by unsubscribe.php) or by emailing us. Transactional emails relating to an active engagement (confirmations, statements, legal notices) may continue as contractually necessary.
10. Children's Privacy
Our services and website are intended for individuals aged 18 and older. We do not knowingly collect personal information from children under 13. If you believe a child has provided us data, contact us and we will delete it promptly.
11. Third-Party Links & Resources
Our site may link to third-party websites, images (Pexels) and fonts (Google Fonts). We are not responsible for the privacy practices of those services and encourage you to review their policies.
12. Changes to This Policy
We may update this Privacy Policy periodically. Material changes will be highlighted on this page with a revised "Last Updated" date and, where appropriate, notified by email. Continued use of the site after changes constitutes acceptance.
13. Contact Us
Money Guide Plan
333 12th St, Colonial Beach, Virginia 22443, USA
Phone: (804) 214-9952
Email: info@moneyguideplan.com