Privacy Policy | One Percent Finance

Introduction

One Percent Finance ("Company," "we," "us," "our," or "Site") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.onepercentfinance.com (the "Site") and use our services. Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Site.

This Privacy Policy complies with applicable US federal and state laws, including the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other state privacy regulations.

1. Information We Collect

1.1 Information You Provide Directly

We collect information you voluntarily provide when you interact with our Site, including:

Contact Information: Name, email address, phone number, mailing address, and other contact details
Account Information: Username, password, and account preferences
Financial Information: Information about your retirement accounts, investment goals, and financial situation (only when you voluntarily provide it)
Communication Data: Messages, inquiries, feedback, and any other content you submit through contact forms or email
Survey and Feedback: Responses to surveys, questionnaires, and feedback forms

1.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and browsing activity:

Device Information: Device type, operating system, browser type, IP address, and unique device identifiers
Usage Information: Pages visited, time spent on pages, links clicked, search queries, and referring/exit pages
Location Information: Approximate geographic location based on IP address (not precise GPS data)
Cookies and Similar Technologies: We use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience and analyze Site usage

1.3 Information from Third Parties

We may receive information about you from third parties, including:

Analytics providers and advertising partners
Social media platforms (if you link your account)
Affiliate partners and business partners
Publicly available sources

2. How We Use Your Information

We use the information we collect for the following purposes:

Providing Services: Delivering content, guides, calculators, and other features on our Site
Communication: Responding to your inquiries, sending newsletters, and providing customer support
Marketing: Sending promotional emails, newsletters, and marketing materials (with your consent where required)
Analytics: Analyzing Site usage, improving user experience, and optimizing content
Affiliate Tracking: Tracking affiliate links and referrals to compensate partners appropriately
Legal Compliance: Complying with applicable laws, regulations, and legal processes
Fraud Prevention: Detecting and preventing fraudulent activity, abuse, and security incidents
Personalization: Personalizing content and recommendations based on your interests and behavior

3. Disclosure of Your Information

We may share your information in the following circumstances:

3.1 Service Providers

We share information with third-party service providers who assist us in operating our Site and conducting our business, including hosting providers, email service providers, analytics platforms, and payment processors. These service providers are contractually obligated to use your information only as necessary to provide services to us.

3.2 Affiliate Partners

We are an affiliate website that earns compensation from Gold IRA companies and other financial service providers. We may share limited information (such as referral data) with affiliate partners to track referrals and ensure proper compensation. We do not share your personal financial information with these partners without your explicit consent.

3.3 Legal Requirements

We may disclose your information when required by law, such as in response to subpoenas, court orders, or government requests, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.

3.4 Business Transfers

If One Percent Finance is involved in a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a different privacy policy.

3.5 Consent

We may share your information with third parties when you explicitly consent to such sharing.

4. Cookies and Tracking Technologies

Our Site uses cookies, web beacons, pixels, and similar tracking technologies to:

Remember your preferences and login information
Analyze Site traffic and user behavior
Deliver personalized content and advertisements
Measure the effectiveness of marketing campaigns

4.1 Types of Cookies

Essential Cookies: Required for Site functionality
Analytics Cookies: Help us understand how users interact with the Site
Marketing Cookies: Used for targeted advertising and tracking conversions
Third-Party Cookies: Set by external partners for analytics and advertising

4.2 Cookie Management

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, blocking cookies may affect Site functionality. You can also opt out of targeted advertising through industry opt-out tools.

5. Your Privacy Rights

5.1 California Consumer Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights under the CCPA and CPRA:

Right to Know: You have the right to request what personal information we collect, use, share, and sell about you.
Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions.
Right to Correct: You have the right to request correction of inaccurate personal information.
Right to Opt-Out of Sale/Sharing: You have the right to opt out of the sale or sharing of your personal information for targeted advertising. We do not sell personal information, but we may share information with advertising partners for targeted ads.
Right to Limit Use: You have the right to limit our use of sensitive personal information to purposes necessary to provide the services you requested.
Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

5.2 How to Exercise Your Rights

To exercise any of these rights, please submit a verifiable consumer request by contacting us.

We will respond to verifiable requests within 45 days (or up to 90 days if necessary). We may request additional information to verify your identity before processing your request.

5.3 Other State Privacy Rights

Depending on your state of residence, you may have additional rights under state privacy laws such as:

Virginia VCDPA: Right to know, delete, correct, and opt out of targeted advertising
Colorado CPA: Right to know, delete, correct, and opt out of targeted advertising
Connecticut CTDPA: Right to know, delete, correct, and opt out of targeted advertising
Utah UCPA: Right to know, delete, and opt out of targeted advertising

6. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the context of processing and our legal obligations. When information is no longer needed, we securely delete or anonymize it.

8. Third-Party Links and Services

Our Site contains links to third-party websites and services, including Gold IRA companies, affiliate partners, and external resources. This Privacy Policy does not apply to third-party websites or services. We encourage you to review the privacy policies of any third-party sites before providing your information.

9. Children's Privacy

Our Site is not intended for children under 18 years of age, and we do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information and terminate the child's account. If you believe we have collected information from a child, please contact us immediately.

10. International Users

Our Site is operated in the United States. If you access our Site from outside the United States, please be aware that your information may be transferred to, stored in, and processed in the United States, where privacy laws may differ from those in your country of residence. By using our Site, you consent to the transfer of your information to the United States.

11. Do Not Track

Some browsers include a "Do Not Track" feature. Currently, there is no industry standard for recognizing Do Not Track signals, and our Site does not respond to Do Not Track browser signals. However, you can use other tools to control data collection and use as described in this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by updating the "Last Updated" date at the top of this page and, if required by law, by sending you an email notification or displaying a prominent notice on our Site. Your continued use of our Site after changes become effective constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about our privacy practices, please contact us:

Contact: Use our contact form

Response Time: We will respond to all inquiries within 30 business days.

14. California Privacy Rights Summary (CCPA/CPRA)

The following is a summary of your rights under California law:

Right to Know: Request what personal information we collect and how we use it
Right to Delete: Request deletion of your personal information (with limited exceptions)
Right to Correct: Request correction of inaccurate personal information
Right to Opt-Out: Opt out of the sale or sharing of your personal information
Right to Limit Use: Limit use of sensitive personal information
Right to Non-Discrimination: No discrimination for exercising your rights

To submit a request, use our contact form.

© 2026 One Percent Finance. All rights reserved. This Privacy Policy is provided for informational purposes. For specific legal advice regarding your privacy rights, please consult with a qualified attorney.