Privacy Policy

Effective Date: January 1, 2025

CMH Finance (“we”, “us”, “our”) is committed to safeguarding the privacy and security of your personal data. This Privacy Policy explains how we collect, use, store, protect, and disclose your information when you visit our website, https://cmhfinance.com (the “Site”), use our services, or interact with us. By accessing or using the Site or our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We collect information to provide and improve our services. The information we collect falls into two categories:

a. Personal Information

This is information that can identify you, including but not limited to:

• Contact Information: Name, email address, phone number, mailing address.
• Account Information: Username, password, and other login credentials.
• Payment Information: Credit/debit card details, bank account information, billing address, and other payment-related data when you purchase services.
• Financial Information: Details provided for financial consulting, such as income, assets, liabilities, and investment preferences.
• Identification Information: Government-issued ID numbers or other identifiers, when required for compliance or service delivery.

b. Non-Personal Information

This is information that does not directly identify you but helps us enhance the Site and services, including:

• Usage Data: IP address, browser type, operating system, device type, pages visited, time spent on the Site, and clickstream data.
• Cookies and Tracking Technologies: Data collected via cookies, web beacons, pixel tags, and similar technologies to track user behavior, preferences, and Site performance.
• Aggregated Data: Statistical or anonymized data derived from user activities to analyze trends and improve services.

2. How We Collect Information

We collect information through various methods, including:

• Directly from You: When you fill out forms, create an account, request services, make payments, or contact us.
• Automatically: Through cookies, tracking technologies, and server logs as you interact with the Site.
• From Third Parties: From service providers, business partners, or public sources (e.g., when verifying your identity or conducting background checks for compliance).

3. How We Use Your Information

We use your information to provide, improve, and personalize our services. Specific uses include:

• Service Delivery: To offer financial consulting services, including business strategies, tax planning, risk management, investment advice, and financial planning.
• Account Management: To create and manage your account, authenticate logins, and process transactions.
• Customer Support: To respond to inquiries, provide technical assistance, and resolve issues.
• Marketing and Communication: To send you updates, newsletters, promotional offers, and account-related notifications (you may opt out of marketing communications).
• Site Improvement: To analyze user behavior, monitor Site performance, and enhance functionality and content.
• Legal and Compliance: To comply with applicable laws, regulations, or legal processes, and to protect our rights or property.
• Fraud Prevention: To detect, prevent, and investigate fraudulent or unauthorized activities.

4. How We Protect Your Information

We prioritize the security of your personal data and implement the following measures:

• Encryption: Industry-standard encryption (e.g., SSL/TLS) for data transmission and storage of sensitive information.
• Access Controls: Limiting access to your personal data to authorized personnel who need it to perform their duties.
• Security Practices: Regular audits, vulnerability assessments, and updates to our technical and organizational security measures.
• Data Minimization: Collecting only the information necessary for the purposes outlined in this policy.

Despite these efforts, no system is completely secure. We cannot guarantee the absolute security of your data, but we strive to protect it using reasonable and industry-standard practices.

5. Sharing Your Information

We do not sell, rent, or trade your personal information. However, we may share your information in the following circumstances:

• Service Providers: With trusted third parties who assist us in operating the Site, processing payments, or delivering services (e.g., cloud hosting, payment processors, or analytics providers). These parties are contractually obligated to protect your data.
• Legal Requirements: When required by law, court order, or government regulation, or to protect our rights, safety, or property.
• Business Transfers: In connection with a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity.
• With Your Consent: When you explicitly agree to share your information with third parties (e.g., for joint marketing initiatives).

6. Your Rights and Choices

You have rights regarding your personal information, subject to applicable laws:

• Access: Request access to the personal data we hold about you.
• Correction: Request updates or corrections to inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, except where we are required to retain it for legal, compliance, or operational purposes.
• Opt-Out: Unsubscribe from marketing emails via the “unsubscribe” link or by contacting us.
• Data Portability: Request a copy of your data in a structured, commonly used, and machine-readable format.
• Restriction of Processing: Request that we limit how we process your data in certain circumstances.
• Objection: Object to the processing of your data for specific purposes, such as direct marketing.

To exercise these rights, contact us at support@cmhfinance.com. We may require identity verification to process your request.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and collect non-personal data. Cookies are small text files stored on your device. The types of cookies we use include:

• Necessary Cookies: Enable core Site functionality, such as user authentication and session management.
• Performance Cookies: Collect data on how users interact with the Site (e.g., pages visited, time spent, errors encountered).
• Functionality Cookies: Store your preferences (e.g., language or region) to personalize your experience.
• Advertising Cookies: Deliver relevant ads and track their effectiveness (if applicable).

You can manage cookies through your browser settings or opt-out tools, but disabling cookies may affect Site functionality. For more details, refer to our Cookie Policy (if applicable).

8. Third-Party Websites and Services

The Site may include links to third-party websites or services not controlled by CMH Finance. We are not responsible for their privacy practices. We encourage you to review the privacy policies of these third parties before sharing personal information.

9. International Data Transfers

If you are located outside the United States, your information may be transferred to and processed in the United States or other countries where our service providers operate. We ensure appropriate safeguards, such as Standard Contractual Clauses, are in place to protect your data during international transfers.

10. Children’s Privacy

Our Site and services are not designed for individuals under 18. We do not knowingly collect personal information from children. If we discover that we have collected data from a child under 18, we will promptly delete it. If you believe we have inadvertently collected such information, please contact us immediately.

11. Retention of Your Information

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, or resolve disputes. When no longer needed, we securely delete or anonymize your data in accordance with applicable laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. Updates will be posted on this page with a revised “Effective Date.” We encourage you to review this policy periodically. If we make significant changes, we may notify you via email or a notice on the Site.

13. Contact Us

For questions, concerns, or to exercise your rights under this Privacy Policy, please contact us at:
CMH Finance
Phone: +34 69 114 7103
Email: support@cmhfinance.com
Website: https://cmhfinance.com

We aim to respond to all inquiries within a reasonable timeframe, typically within 30 days, unless otherwise required by law.