1. Introduction
Smart Invest Edge ("we," "us," or "our") is a financial services firm headquartered at 105 Rr 1, Browns Valley, Minnesota 56219, USA. We provide wealth management, lending, tax advisory, and insurance services to clients across the United States. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal and financial information when you visit our website, use our services, or interact with us through other channels.
2. Information We Collect
We collect information necessary to deliver our services, comply with regulations, and improve your experience. This includes:
2.1 Personal Information
- Full name, date of birth, Social Security Number (where required for loan or account opening)
- Contact details: mailing address, email address, phone number
- Government-issued identification documents
2.2 Financial Information
- Income, employment, and asset documentation
- Credit reports and scores (with your authorization)
- Investment account holdings, transaction history, and risk profile
- Tax filings, deductions, and entity structures
2.3 Technical Information
- IP address, browser type, device information
- Pages visited, time on site, and referring URLs
- Cookies, local storage, and similar tracking technologies
3. How We Use Your Information
We use your information for the following purposes:
- To provide, personalize, and improve the financial services you engage us for
- To process loan applications, mortgage transactions, and insurance enrollments
- To communicate with you about your accounts, market insights, and regulatory updates
- To comply with SEC, FINRA, IRS, state insurance, and federal lending regulations
- To detect, prevent, and respond to fraud, security incidents, and unauthorized access
- To maintain business records and improve our service offerings and website performance
4. Information Sharing and Disclosure
We do not sell your personal information. We may share information in the following limited circumstances:
- Service Providers: Custodians, broker-dealers, lenders, credit bureaus, and tax filing partners necessary to deliver your requested services.
- Legal Compliance: When required by law, subpoena, or governmental request.
- Business Transfers: In connection with a merger, acquisition, or sale of all or part of our business.
- Consent: With your explicit written or electronic consent.
- Protection: To protect the rights, property, or safety of Smart Invest Edge, our clients, or others.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to operate our website, remember your preferences, analyze traffic, and personalize content. You can control cookies through your browser settings. Disabling cookies may affect certain website functionality.
We use the following cookie categories:
- Essential cookies: Required for core website functionality and security.
- Analytics cookies: Help us understand how visitors interact with our website.
- Marketing cookies: Used to deliver relevant financial content and offers.
6. Data Security
We implement industry-standard safeguards to protect your information, including:
- 256-bit AES encryption in transit and at rest
- Multi-factor authentication for all internal systems
- SOC 2-aligned access controls and audit logging
- Regular third-party security assessments
- Employee training on data privacy and security protocols
Despite our efforts, no method of transmission over the Internet is fully secure. We cannot guarantee absolute security of your information.
7. Data Retention
We retain your information for as long as your account is active, as needed to provide services, or as required by law. Financial and tax records are typically retained for seven (7) years after the end of our engagement, in accordance with federal and state regulations.
8. Your Privacy Rights
Depending on your state of residence (e.g., California, Virginia, Colorado, Connecticut), you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information (subject to legal exceptions)
- Opt out of the sale or sharing of personal information
- Limit use of sensitive personal information
- Withdraw consent to data processing at any time
To exercise any of these rights, contact us at info@smartinvestedge.com or (605) 694-2705. We will respond within 30 days.
9. California Privacy Rights (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act and California Privacy Rights Act, including the right to know what personal information is collected, sold, or shared; the right to delete personal information; and the right to opt out of sale or sharing. Smart Invest Edge does not sell personal information as defined by California law.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately.
11. Financial Information and GLBA Notice
Under the Gramm-Leach-Bliley Act, we are required to disclose our policies for collecting and sharing nonpublic personal information. We collect nonpublic personal information solely to deliver our financial services. We do not disclose nonpublic personal information to non-affiliated third parties, except as permitted by law or with your consent.
12. Newsletter and Marketing Communications
When you subscribe to our newsletter, we collect your email address to send financial insights and updates. You may unsubscribe at any time by clicking the unsubscribe link in any email, visiting our unsubscribe page, or emailing info@smartinvestedge.com. We process opt-out requests within 10 business days.
13. Third-Party Links
Our website may contain links to third-party websites (e.g., custodians, lenders, government portals). We are not responsible for the privacy practices of these sites and encourage you to review their privacy policies independently.
14. International Users
Smart Invest Edge primarily serves clients within the United States. If you access our services from outside the USA, your information may be transferred to and processed in the United States, where data protection laws may differ from your jurisdiction.
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised "Last updated" date. We encourage you to review this page periodically.
16. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact:
- Smart Invest Edge
- 105 Rr 1, Browns Valley, Minnesota 56219, USA
- Phone: (605) 694-2705
- Email: info@smartinvestedge.com