Privacy Policy

1. Overview

Visionary Finance Plan (“Visionary Finance Plan,” “we,” “us,” or “our”) provides lending, wealth and investment planning, tax advisory, and insurance-related services. This Privacy Policy explains what information we collect through this website and our related communications, why we collect it, how it is used, and the choices available to you.

By using this website, submitting a form, or otherwise engaging with us, you agree to the practices described in this policy. If you do not agree, please do not use the site or submit personal information.

2. Information we collect

We collect information in three main ways:

• Information you give us. Your name, email address, phone number, mailing address, the service you are interested in, the content of your message or feedback, email preferences, and any other details you choose to share through our contact, subscribe, or unsubscribe forms.
• Information collected automatically. When you visit the site, our hosting and analytics tools may collect technical information such as your IP address, browser type, device type, operating system, referring pages, pages viewed, and the date and time of your visit.
• Information from service providers. If you engage us for a financial service, we may receive information from lenders, brokerages, carriers, credit bureaus, or other providers with your authorization, as described in the applicable service agreement and disclosures.

We do not intentionally collect sensitive information such as Social Security numbers, account numbers, or health information through this website. Please do not submit such information through website forms or email. If it is needed for an engagement, we will request it through a secure, documented process.

3. How we use information

We use the information we collect to:

• Respond to enquiries and provide requested information;
• Schedule and conduct consultations and deliver services;
• Send the newsletter you requested and manage your email preferences;
• Process and document unsubscribe requests;
• Improve our website, content, and client experience;
• Maintain records required by law and our professional obligations;
• Detect and prevent fraud, abuse, and security incidents; and
• Comply with applicable legal and regulatory requirements.

We may contact you by email, phone, or text in connection with a request you submit. Marketing emails always include an unsubscribe link, and you can opt out of marketing communications at any time without affecting transactional messages related to active services.

4. How we share information

We do not sell your personal information. We share information only in the limited circumstances below:

• Service providers. Vendors who help us operate the business — for example, website hosting, email delivery, analytics, and secure document storage — under contracts that restrict their use of your data to the services they provide to us.
• Financial partners. Lenders, brokerages, insurance carriers, and other providers when necessary to deliver a service you have requested, and with your authorization.
• Legal and safety. When required by law, subpoena, or regulation, or when we believe disclosure is necessary to protect rights, safety, or the integrity of our services.
• Business transfers. In connection with a merger, acquisition, financing, reorganization, or sale of assets, subject to appropriate confidentiality protections.
• With your consent. For any other purpose you have expressly approved.

5. Cookies and analytics

Our website may use cookies and similar technologies to remember preferences, understand how pages are used, and improve performance. Cookies are small text files stored on your device. You can control or delete cookies through your browser settings; blocking cookies may affect some site features.

If we use third-party analytics, those providers may process de-identified usage data on our behalf under their own privacy terms. We do not use website analytics to make automated decisions with legal effects about you.

6. Data security

We use administrative, technical, and physical safeguards designed to protect personal information, including encrypted transmission, access controls, and vendor oversight. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security. Please use care when sharing information online and contact us immediately if you suspect unauthorized activity involving your data.

7. Retention

We retain personal information for as long as needed to fulfil the purposes described in this policy, including maintaining client records, honouring unsubscribe requests, resolving disputes, and meeting legal, tax, and regulatory requirements. When information is no longer needed, we delete or de-identify it in accordance with our records-retention practices.

8. Your rights and choices

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you;
• Request correction of inaccurate information;
• Request deletion, subject to legal and contractual retention obligations;
• Opt out of marketing communications;
• Request a copy of your information in a portable format; and
• Designate an authorized agent to act on your behalf.

California residents have additional rights under the CCPA/CPRA, including the right to know, delete, correct, and limit the use of sensitive personal information, and the right not to be discriminated against for exercising those rights. We do not sell or share personal information for cross-context behavioral advertising as those terms are defined under California law.

To exercise any right, email contact@visionaryfinanceplan.com with the subject line “Privacy Request.” We may need to verify your identity before acting. We will respond within the timeframe required by applicable law.

9. Children’s privacy

Our services are intended for adults 18 and older. We do not knowingly collect personal information from children. If you believe a minor has provided information to us, please contact us so we can delete it.

10. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above and, if changes are material, provide additional notice on this site or by email where appropriate. Continued use of the website after an update means you accept the revised policy.

11. Contact us

Questions about this policy or our data practices? Reach us at:

Visionary Finance Plan
4558 Mocasa Ct, Bay City, MI 48706, USA
Phone: +1 989-684-5390
Email: contact@visionaryfinanceplan.com