Privacy Policy

LightUp Financial LLC ("LightUp Financial," "we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site.

1. Information We Collect

We may collect personal information that you voluntarily provide to us when you express interest in our services, participate in activities on the site, or contact us. The personal information we collect may include:

• Full name, address, and contact information (phone, email)
• Social Security number and government-issued identification
• Employment information, income, and net worth
• Financial account details and transaction history
• Tax-related information necessary to provide our services
• Any other information you choose to provide

We also automatically collect certain information when you visit our website, including your IP address, browser type, referring URLs, and pages visited, to improve the performance and usability of our site.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and maintain our financial planning and tax advisory services
• To process transactions and fulfill contractual obligations
• To communicate with you regarding your account, appointments, and service updates
• To comply with applicable laws, regulations, and regulatory requirements
• To detect and prevent fraudulent activity
• To improve our website, services, and client experience
• To send administrative information, such as policy updates or service changes

3. Disclosure of Your Information

LightUp Financial does not sell your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in delivering our services (e.g., technology providers, custodians, compliance platforms), subject to confidentiality agreements.
• Legal Requirements: When required by law, subpoena, court order, or regulatory authority, including responding to lawful requests from government agencies.
• Business Transfers: In connection with a merger, acquisition, or sale of company assets, where your information may be transferred as a business asset.
• With Your Consent: In any other circumstance where you have provided explicit consent.

4. Data Security

We implement appropriate physical, electronic, and procedural safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Access to your information is restricted to employees and contractors who require it to perform their job functions. All personnel are trained on proper data handling practices. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy and to comply with our legal and regulatory obligations. When your information is no longer required, we will securely delete or anonymize it in accordance with applicable law.

6. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information:

• The right to request access to the personal information we hold about you
• The right to request correction of inaccurate or incomplete information
• The right to request deletion of your personal information, subject to legal limitations
• The right to opt out of certain data uses where applicable
• The right to receive non-discriminatory treatment when exercising your privacy rights

To exercise any of these rights, please contact us using the information below. We will respond to your request within the timeframe required by applicable law.

7. California Residents (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you additional rights. You have the right to know what categories of personal information we collect and the purposes for which it is used, the right to request deletion of your personal information, and the right not to be discriminated against for exercising your CCPA rights. To submit a CCPA request, contact us at the information provided below.

8. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze site usage. You can instruct your browser to refuse cookies or alert you when cookies are being sent. Please note that some parts of our website may not function properly if cookies are disabled.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will notify you of any material changes by updating the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: