Information we collect
We collect several types of information about the people who use the Website and who meet with us:
- Information that identifies you personally, such as your name, postal address, email address and telephone number, and, in the course of an engagement, information such as your Social Security number, financial account information and health information (“personal information”).
- Information about you that does not identify you on its own, such as statistical and activity data.
- Technical information, about your internet connection, the equipment you use to reach the Website, and how you use it.
How we collect it
- Directly from you, when you complete a form, request a discovery call, book an appointment through our scheduling tool, or send us an email or text message.
- From our conversations and meetings with you, including notes and, where you have been told in advance and have agreed, recordings of video meetings.
- Automatically as you use the Website, through cookies and similar technologies described in Section 8.
- From third parties, such as the professionals who refer you to us and the institutions involved in implementing your plan, in each case where you have authorized it or the law permits it.
The Website itself does not offer user accounts, member logins, purchases or public comment features. Where this policy refers to information collected in the course of an engagement, that information generally reaches us through our conversations with you and through the documents and applications an engagement requires, rather than through this Website.
Categories of personal information
In the twelve months before the effective date of this policy, we may have collected the following categories of personal information. Not every category applies to every person; what we hold about you depends on whether you are a website visitor, a prospective client, or a client in an active engagement.
| Category | Examples |
|---|---|
| A. Identifiers | Name, date of birth, home address, email address, telephone number, driver’s license or passport number, Social Security number |
| B. Demographic information | Age, marital and family status, and other characteristics protected under California or federal law |
| C. Professional or employment information | Occupation, business ownership, employment history, professional designations, compensation arrangements |
| D. Financial information | Bank, investment and brokerage accounts; information about trusts, estates and tax planning; debts and liabilities; payment card information |
| E. Health information | Medical history and questionnaires and other health information, where insurance underwriting or long‑term care planning requires it |
| F. Internet or network activity | Browser and search history, IP address, device identifiers, cookies, and how you interact with the Website and our emails |
| G. Geolocation data | Approximate location derived from an IP address |
| H. Inferences | Preferences and characteristics we infer from the information above, used to understand what planning may suit your circumstances |
| I. Product and account information | Policy or account numbers and values, beneficiary designations, ownership arrangements, transaction history |
| J. Audio and visual information | Recordings of meetings between you and our team, where you have been informed and have agreed |
Several of these (Social Security number, financial account information, and health information in particular) are treated as sensitive personal information under California law and as comparable categories under other state laws. We collect them only where the planning work requires them, and we use them only to perform and support that work.
How we use your information
We use the information we collect:
- To present the Website and its contents to you.
- To respond to your inquiry, schedule and conduct a discovery call, and communicate with you about it.
- To provide the planning, coordination and advisory services you engage us for, and to work with the specialists and institutions involved in implementing your plan.
- To carry out our obligations and enforce our rights under any agreement between us.
- To notify you about changes to our services or to this policy.
- To send you information about our own services that may be relevant to you, subject to your choices in Section 8 and, for text messages, Section 6.
- To maintain the security and integrity of the Website and our systems, and to detect and prevent fraud.
- To comply with our legal, regulatory and recordkeeping obligations.
- For any other purpose we describe when you provide the information, or with your consent.
We do not use or disclose sensitive personal information for purposes other than those permitted without an opt‑out under California law. In plain terms, we use it to do the work you hired us to do and to meet our legal obligations, and not to profile you or to advertise to you.
Text messaging (SMS)
If you give us your mobile number and opt in (for example by requesting a call, booking an appointment, or replying to a message), we may send you text messages. Depending on what you opted in to, these may include replies to your inquiry, appointment confirmations and reminders, information about an engagement in progress, and, only if you separately and expressly agreed to them, promotional messages.
- Consent is never a condition of purchase. Agreeing to receive text messages is not required to work with us or to buy anything from us.
- Message frequency varies with your interaction with us. Message and data rates may apply, depending on your mobile plan.
- You can opt out at any time by replying STOP to any message. We will send one final message confirming that you have been unsubscribed, and you will receive no further text messages from us unless you opt in again.
- For help, reply HELP to any message, email info@camasadvice.com, or call (866) 976‑2757.
- Mobile carriers are not liable for delayed or undelivered messages.
- The number is yours to manage. Please tell us if you give up or change the mobile number you gave us, so that we do not message someone who did not consent.
Cookies, tracking and analytics
As you move through the Website we may use automatic data collection technologies to record details of your visit, including traffic and usage data, your IP address, your operating system and browser type, and the pages you view.
- Cookies
- small files placed on your device. You can refuse them through your browser settings, though parts of the Website may then not work as intended.
- Web beacons
- small electronic files in pages and emails that let us count visits and opens and gauge which content is useful.
- Analytics and advertising measurement
- we use analytics and conversion‑measurement tools, which may include Google Analytics and Meta’s advertising tools, to understand how the Website is found and used and how our advertising performs.
Some content on the Website is served by third parties: for example, the scheduling tool that powers our booking page and embedded video in our articles. Those providers may set their own cookies and collect information about your use of the Website. We do not control their technologies. Where we embed video we use the provider’s privacy‑preserving mode where one is available.
Your choices
- Cookies. Set your browser to refuse some or all cookies, or to alert you when one is set.
- Opt‑out preference signals. We honor the Global Privacy Control (GPC) and similar browser signals as a request to opt out of the sale or sharing of personal information, as required by California law and by several other states.
- Do Not Track. There is still no common industry standard for interpreting Do Not Track browser signals, so we do not respond to them. We do honor GPC, as described above.
- Promotional email. Every marketing email includes an unsubscribe link. You can also email info@camasadvice.com to be removed from future distributions. This does not stop communications about an engagement already under way.
- Text messages. Reply STOP, as described in Section 6.
Your California privacy rights
If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, the “CCPA”), gives you the rights described below. Some information we hold is subject to other federal privacy laws instead, and where that is so those laws govern; see Section 12.
- Right to know. Request the categories and specific pieces of personal information we have collected about you, the sources, our purposes, and the categories of third parties to whom we disclosed it.
- Right to correct. Ask us to correct inaccurate personal information we hold about you.
- Right to delete. Ask us to delete personal information we collected from you, subject to the exceptions the law allows, including where we must keep it to meet a legal or recordkeeping obligation, complete a transaction, or maintain the security of our systems.
- Right to opt out of sale or sharing. We do not sell personal information and we do not share it for cross‑context behavioral advertising. If that ever changes, we will update this policy and provide the opt‑out the law requires.
- Right to limit the use of sensitive personal information. We use sensitive personal information only for the purposes the law permits without an opt‑out, as described in Section 4.
- Right to non‑discrimination. We will not deny you service, charge you a different price, or provide you a different quality of service because you exercised a privacy right.
To make a request, email info@camasadvice.com or call (866) 976‑2757. We will verify your identity before responding, which for sensitive requests may mean asking you to confirm information we already hold. An authorized agent may make a request on your behalf with proof of authorization.
Shine the Light. California Civil Code § 1798.83 additionally permits California residents to request information about disclosures of personal information to third parties for those third parties’ direct marketing purposes. We do not make such disclosures.
Other state privacy rights
We work with clients nationally. A growing number of states (including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana and others) have comprehensive privacy laws giving their residents rights similar to those in Section 9: to confirm whether we process personal data about them and access it, to correct it, to delete it, to obtain a portable copy, and to opt out of targeted advertising, sale, or certain profiling.
We extend these rights to residents of any state whose law provides them. Use the same contact details in Section 9 to make a request. If we decline a request, we will tell you why, and where your state provides a right to appeal that decision you may do so by replying to our response; if we deny the appeal, we will tell you how to contact your state attorney general.
Nevada residents
Camas Advice is a Nevada limited liability company. Nevada law (NRS 603A.340) gives Nevada consumers the right to direct a website operator not to sell certain covered information. We do not sell covered information as that statute defines it. If you would like to submit a verified request regardless, email info@camasadvice.com with “Nevada opt‑out” in the subject line.
Financial privacy
Some of the information we collect in the course of an engagement is nonpublic personal information about you as a consumer of financial products and services. Federal law, including the Gramm‑Leach‑Bliley Act and its implementing regulations, governs how that information may be used and disclosed, and generally requires that we give you a separate privacy notice describing our practices.
- We collect nonpublic personal information about you from the information you give us, from your transactions with us and with others, and from the insurance carriers, custodians and other institutions involved in your planning.
- We do not disclose nonpublic personal information about our clients or former clients to anyone, except as permitted or required by law, which includes disclosures necessary to process a transaction you have requested, to service your accounts, and to the professionals working on your plan.
- We restrict access to nonpublic personal information to those who need it to provide services to you, and we maintain physical, electronic and procedural safeguards intended to protect it.
Where that separate notice applies to your relationship with us, it governs the information it covers, and this policy governs everything else.
Children under 13
The Website is not intended for children under 13, and no one under 13 should provide any information on or through it. We do not knowingly collect personal information from children under 13. If we learn we have collected personal information from a child under 13 without verified parental consent, we will delete it. If you believe we may hold information from or about a child under 13, please contact us using the details in Section 16.
This is separate from information about a client’s minor children that a client gives us as part of estate and legacy planning. We hold that information because the planning requires it, and we treat it under this policy like any other personal information a client provides.
How we protect your information
We maintain administrative, technical and physical safeguards designed to protect personal information against accidental loss and against unauthorized access, use, alteration and disclosure. Information you provide to us is stored in the United States, and we restrict access to it to the people who need it to do their work.
The security of your information also depends on you. Please be careful about what you send by unencrypted email, and tell us promptly if you believe an account or communication channel has been compromised.
No method of transmitting or storing information is completely secure. Although we work to protect your personal information, we cannot guarantee the security of information transmitted to us over the internet, and any such transmission is at your own risk.
How long we keep it
We keep personal information for as long as we need it for the purpose we collected it, and then for as long as we are required or reasonably need to keep it afterward. In practice that means:
- Inquiries that do not become engagements: retained for a limited period so we can respond to you and understand how our work reaches people, then deleted or de‑identified.
- Client records: retained for the life of the engagement and afterward for the period required by the insurance, tax and other recordkeeping rules that apply to the work, and by any applicable statute of limitations.
- Text messaging consent records: retained for as long as we may message you and for a period afterward, because the record of your consent is itself a compliance obligation.
- Website and analytics data: retained in identifiable form for a limited period, and in aggregated form afterward.
When information is no longer needed, we delete it or de‑identify it so it can no longer reasonably be associated with you.
Changes to this policy
We post any changes to this policy on this page and update the effective date at the top. If we make material changes to how we treat personal information, we will provide more prominent notice, by email where we have a current address for you, or by a notice on the Website. Please check this page periodically.
How to contact us
To ask a question about this policy, to exercise any of the rights described above, or to raise a concern about how we have handled your information:
- info@camasadvice.com
- Telephone
- (866) 976‑2757
- Camas Advice · 109 Ambersweet Way #232 · Davenport, FL 33897