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Privacy
Policy

At R&D Financial Services, your privacy is our priority. Our Privacy Policy outlines how we collect, use, and safeguard your personal and financial information in compliance with U.S. regulations. We are committed to maintaining the highest standards of data protection to ensure your trust, security, and peace of mind—every step of the way

1. Introduction

At R&D Financial Services, your privacy is a cornerstone of our commitment to responsible financial services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in accordance with applicable U.S. federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and, where applicable, the California Consumer Privacy Act (CCPA).

By accessing our website or using our services, you acknowledge and agree to the practices described herein.

2. Information We Collect

We may collect the following categories of personal information as part of our service delivery and regulatory obligations:

  • Personal Identifiers: Full name, date of birth, Social Security Number (SSN), driver’s license or government-issued ID, mailing address, email address, and phone number.

  • Financial Information: Bank account details, income, employment data, credit history, account balances, and transaction history.

  • Digital Identifiers: IP address, browser type, device ID, operating system, location data (if enabled), and website usage data via cookies or similar technologies.

  • User Interaction Data: Service inquiries, application data, communication records, and client support history.

3. How We Use Your Information

We use personal information to fulfill contractual and regulatory obligations and to improve our services. Specific uses include:

  • Verifying your identity and assessing eligibility for financial products.

  • Establishing, managing, and servicing financial accounts.

  • Processing payments, transfers, and other transactions.

  • Ensuring compliance with legal, regulatory, and audit requirements.

  • Detecting and preventing fraud, cyber threats, or unauthorized access.

  • Enhancing user experience and improving our website functionality.

  • Communicating important updates, notices, or promotional content (where permitted).

4. Disclosure of Information

We do not sell your personal information. We may share your data in the following circumstances:

  • With Service Providers: Third-party vendors who support our operations (e.g., IT, payment processors, analytics) under strict contractual confidentiality obligations.

  • With Affiliates and Subsidiaries: For internal business and compliance purposes.

  • As Required by Law: To regulators, law enforcement, courts, or government agencies in response to legal process or to comply with applicable laws.

  • In Business Transfers: If we are involved in a merger, acquisition, restructuring, or sale of assets, your data may be transferred in accordance with applicable law.

5. Data Security

We implement administrative, physical, and technical safeguards designed to protect personal information from unauthorized access, disclosure, loss, or misuse. These safeguards include, but are not limited to:

  • Encryption of sensitive data at rest and in transit.

  • Secure access controls and authentication protocols.

  • Continuous monitoring and threat detection.

  • Regular audits, testing, and employee privacy training.

Despite these efforts, no system is completely secure. We encourage clients to practice safe digital behaviors and notify us immediately of any suspicious activity.

6. Retention of Data

We retain personal information only as long as necessary to fulfill the purposes described in this Policy, or as required by law, contractual obligations, or regulatory authorities.

7. Your Privacy Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) may afford you specific rights, including the right to:

  • Request disclosure of categories and specific pieces of personal data collected.

  • Request deletion of personal data (subject to legal exemptions).

  • Opt-out of the sale of personal data (note: we do not sell personal data).

  • Receive equal service and pricing even if you exercise your privacy rights.

To exercise these rights, please contact us at info@rndfinancialservice.com. Verification of identity will be required.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to collect technical and usage information from visitors. These tools help us:

  • Analyze website traffic and usage patterns.

  • Improve user experience and personalize content.

  • Enhance website security and performance.

You may manage or disable cookies through your browser settings. Some features may be limited if cookies are disabled.

9. Children’s Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect or solicit personal data from children under 13. If we become aware of such collection, we will take prompt steps to delete the data.

10. Changes to This Privacy Policy

We reserve the right to update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or technology. Any updates will be posted to this page with an updated effective date. Continued use of our website or services constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact:

R&D Financial Services

Email: info@rndfinancialservice.com
Website: www.rndfinancialservice.com