Last Updated: January 14, 2026
1. Introduction & Scope
Wealth Expert Hub ("we," "us," "our") is a registered investment advisory firm headquartered at 124 Meadow Rd, Ignacio, Colorado 81137, USA. We provide wealth management, lending, tax advisory, and insurance services to clients across the United States.
This Privacy Policy describes how we collect, use, disclose, and protect your personal and financial information when you visit our website, engage our services, or communicate with our advisors. By using our website or services, you consent to the practices described in this policy.
We are committed to the highest standards of confidentiality consistent with our fiduciary duty, the Gramm-Leach-Bliley Act (GLBA), the Securities Exchange Act of 1934, and applicable state privacy laws including the California Consumer Privacy Act (CCPA) and the Colorado Privacy Act (CPA).
2. Information We Collect
We collect several categories of information necessary to provide professional financial services:
- Identification Information: Full name, date of birth, Social Security Number, government-issued ID, residential address, and contact details (phone, email).
- Financial Information: Income, assets, liabilities, investment holdings, credit history, tax returns, bank and brokerage account numbers, and net worth statements.
- Transaction Data: Loan applications, mortgage documents, investment transactions, insurance policies, and advisory engagement records.
- Communication Records: Emails, phone call notes, meeting recordings (with consent), chat transcripts, and strategy session documentation.
- Technical Data: IP address, browser type, device identifiers, pages visited, time spent, and interaction telemetry collected via cookies and analytics.
- Marketing Preferences: Newsletter subscriptions, content downloads, event registrations, and opt-in/opt-out choices.
3. How We Use Your Information
We use your personal and financial information for the following legitimate business purposes:
- To provide financial advisory, lending, tax, and insurance services you have engaged.
- To verify your identity and comply with KYC/AML regulations under the Bank Secrecy Act and USA PATRIOT Act.
- To prepare personalized financial plans, investment recommendations, and tax filings.
- To process loan applications, mortgage underwriting, and insurance policy issuance.
- To communicate with you about your accounts, market updates, and regulatory disclosures.
- To detect, prevent, and respond to fraud, unauthorized transactions, and security incidents.
- To comply with federal, state, and self-regulatory obligations including FINRA, SEC, and IRS requirements.
- To improve our website, services, advisory methodologies, and client experience.
- To send newsletters and marketing content — only with your explicit opt-in consent.
4. How We Share Information
We do not sell your personal information to any third party. We share information only in the following circumstances:
- Custodians & Brokers: Charles Schwab, Fidelity, and other qualified custodians holding your assets.
- Lending Partners: Banks, credit unions, and mortgage lenders participating in your loan or mortgage application.
- Insurance Carriers: A-rated insurance companies quoting or underwriting your policies.
- Tax Authorities: IRS and state revenue agencies as required by law or with your authorization.
- Service Providers: Technology, accounting, and legal vendors under written confidentiality agreements (NDA).
- Regulators: SEC, FINRA, state insurance commissioners, and law enforcement upon lawful request.
- Successors: In connection with a merger, acquisition, or sale of all or part of our business.
You may opt out of sharing non-public personal information with non-affiliated third parties for marketing purposes by emailing info@wealthexperthub.com or calling (970) 563-9438.
5. Data Security Measures
We implement bank-grade security controls to protect your information:
- Encryption: 256-bit AES encryption for data at rest and TLS 1.3 for data in transit.
- Access Controls: Role-based access, multi-factor authentication, and least-privilege principles.
- Infrastructure: SOC-2 Type II certified cloud infrastructure with continuous monitoring.
- Segregation: Client assets held at FDIC-insured / SIPC-member custodians — never commingled with firm assets.
- Audits: Annual third-party security audits and penetration testing.
- Employee Training: Mandatory annual privacy, security, and fiduciary training for all staff.
- Incident Response: Documented breach response plan with 72-hour notification protocols.
Despite our safeguards, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but commit to industry-leading protections.
6. Cookies & Tracking Technologies
Our website uses cookies and similar technologies to enhance functionality and analyze traffic:
- Essential Cookies: Required for core site functionality, security, and session management.
- Analytics Cookies: Help us understand visitor behavior and improve user experience.
- Functional Cookies: Remember preferences such as language and accessibility settings.
- Marketing Cookies: Used only with your consent to deliver relevant content across platforms.
You can manage cookie preferences through your browser settings. Disabling all cookies may affect site functionality.
7. Your Privacy Rights
Depending on your state of residence, you may have the following rights:
- Right to Know: What personal information we collect, use, share, or sell.
- Right to Access: Request a copy of the personal information we hold about you.
- Right to Delete: Request deletion of your personal information (subject to legal retention).
- Right to Correct: Request correction of inaccurate personal information.
- Right to Opt-Out: Of the sale or sharing of personal information and targeted advertising.
- Right to Data Portability: Receive your data in a structured, machine-readable format.
- Right to Limit: Use of sensitive personal information for secondary purposes.
To exercise any right, email info@wealthexperthub.com with subject "Privacy Request." We respond within 45 days. Authorized agents may submit requests on behalf of consumers with written authorization.
8. Data Retention
We retain your personal and financial information for as long as your account is active or as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. Specific retention periods:
- Active client records: Duration of engagement + 7 years.
- Tax records and filings: Minimum 7 years per IRS requirements.
- Loan and mortgage documents: 10 years post-payoff.
- Website analytics: 26 months.
- Marketing data: Until opt-out or 24 months of inactivity.
9. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately for prompt deletion in accordance with COPPA requirements.
10. Policy Changes
We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or operational needs. Material changes will be communicated via email and a prominent notice on our website at least 30 days before taking effect. The "Last Updated" date indicates when the policy was last revised.