PACIFIC FINANCIAL HUB, LLC (“we,” “our,” or “us”) values your trust and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and protect your information in compliance with applicable privacy, data protection, and consumer protection laws, including but not limited to U.S. state privacy acts, GDPR (if applicable to EU visitors), and other global standards.

1.1 Scope

This Privacy Policy applies to all visitors, users, clients, and partners accessing our website, online portal, and related services. By accessing our site, you consent to the practices described herein.

1.2 Information We Collect

• Personal Identifiable Information (PII): Name, address, email, phone, government-issued identification (where provided), financial information, and client-submitted documents.
• Technical/Usage Data: IP addresses, device identifiers, browser type, operating system, geolocation data, access times, pages viewed, and cookies or tracking technologies.
• Client Data: Documents, records, financial information, or sensitive data uploaded to the PFH portal.

1.3 Purpose of Collection

We collect information to:

• Provide contracted services and support.
• Verify user identity and maintain account security.
• Process transactions and maintain accurate records.
• Meet regulatory, legal, and fiduciary obligations.
• Improve site functionality and user experience.

1.4 Legal Basis for Processing

• Consent: When you provide data voluntarily.
• Contractual Necessity: To deliver services you request.
• Legal Obligation: To comply with tax, regulatory, and legal requirements.
• Legitimate Interests: To enhance services, prevent fraud, and protect security.

1.5 Data Protection & Security

• PFH employs industry-standard encryption (at rest and in transit).
• Access controls are in place to limit data exposure to authorized personnel only.
• Firewalls, intrusion detection, and regular audits are conducted.
• While we take all reasonable measures, no system is 100% secure; users assume limited risk when transmitting data online.

1.6 Data Retention

We retain personal information only as long as necessary for business, legal, or regulatory purposes. When data is no longer required, it will be securely deleted or anonymized.

1.7 Sharing of Data

• Service Providers: Third-party vendors under binding confidentiality agreements.
• Legal Compliance: Courts, regulators, or law enforcement when legally compelled.
• Business Transfers: In the event of merger, acquisition, or restructuring.

1.8 Your Rights

Depending on jurisdiction, you may have the right to:

• Access, correct, or delete your personal information.
• Request a copy of your data (data portability).
• Object to processing or withdraw consent.
• File a complaint with a data protection authority.

Requests may be submitted to: [Insert Legal Contact Email].

1.9 Cookies & Tracking

PFH uses cookies, analytics tools, and similar technologies to improve services. You may disable cookies in your browser, though this may impact site functionality.

1.10 International Data Transfers

If you are outside the United States, your data may be transferred to and stored on servers located in the U.S. or other jurisdictions with different data protection laws.

1.11 Updates

PFH reserves the right to update this Privacy Policy at any time. Users will be notified of material changes via the website or direct communication.