Privacy Policy

Effective Date: January 1, 2026 · Last Reviewed: January 2026

Finance Modern Select ("we," "us," "our," or "the Firm") is a financial planning and wealth advisory firm headquartered at 3224 S Indiana Ave, Caldwell, Idaho 83605, USA, serving clients in all 50 states. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, contact us, subscribe to our newsletter, or engage our advisory services. By using this website, you consent to the practices described below.

1. Information We Collect

• Information you provide directly: name, email address, phone number, postal address, preferred consultation dates, the services you are interested in, and the content of messages you send through our enquiry, booking, contact, and newsletter forms.
• Client information (when you become a client): financial account information, income data, risk tolerance, retirement objectives, tax documents, and healthcare-cost planning data, collected under a separate client agreement.
• Automatically collected information: IP address, browser type, device characteristics, pages viewed, referring URLs, and general geographic data gathered through standard server logs and cookies.

2. How We Use Your Information

• To respond to enquiries, schedule consultations, and deliver requested information.
• To provide financial planning, wealth management, and related advisory services.
• To send our monthly newsletter — only where you have explicitly opted in — and to honor unsubscribe requests immediately.
• To improve website performance, content relevance, and user experience.
• To comply with legal, regulatory, and anti-fraud obligations applicable to investment advisers.

3. Legal Basis & Consent

We process your data on the basis of your consent (newsletter subscriptions, form submissions), contract performance (client services), and legitimate business interest (site security, service improvement). You may withdraw consent at any time using the unsubscribe page or by contacting us directly.

4. Cookies & Tracking

We use only essential, functional cookies necessary for site operation (e.g., remembering interface preferences). We do not use advertising trackers, cross-site behavioral profiling, or third-party ad networks. You can block cookies through your browser settings without losing core site functionality.

5. How We Share Information

We do not sell, rent, or trade your personal information — ever. We share data only in these narrow circumstances:

• Qualified custodians: client assets are held at independent, SIPC-member custodians, who receive necessary account data under their own privacy obligations.
• Professional collaborators: with your written permission, your CPA or estate attorney, solely for coordinated planning.
• Legal requirements: where compelled by law, regulation, subpoena, or to protect the rights and safety of the Firm and our clients.

6. Data Security

We apply industry-standard safeguards: TLS encryption for data in transit, encrypted storage for client records, role-based internal access controls, multi-factor authentication on advisory systems, and annual security reviews. No internet transmission is ever 100% secure; we encourage you to avoid sending account numbers or Social Security numbers through general website forms.

7. Data Retention

Enquiry and newsletter data is retained for up to 24 months unless you request earlier deletion. Client records are retained for the period required by applicable securities and tax regulations (generally a minimum of seven years after account closure).

8. Your Rights

Depending on your state of residence (including rights under the California Consumer Privacy Act as amended), you may have the right to: request access to the personal data we hold about you; request correction or deletion; request a portable copy; opt out of marketing communications; and be free from discrimination for exercising these rights. To exercise any right, email info@financemodernselect.com or call (208) 459-6587. We respond within 45 days.

9. Children's Privacy

Our services are directed to adults. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it promptly.

10. Third-Party Links

Our website links to third-party resources (e.g., font and icon libraries) for functionality. We are not responsible for the privacy practices of those providers and encourage you to review their policies.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in law or practice. The "Effective Date" above will always show the current version. Material changes will be announced on this page for 30 days before taking effect.

12. Contact Us