Privacy Policy
Introduction
At Infinorix Elite, we understand that managing financial stress is deeply personal. This privacy policy explains how we collect, use, protect, and share your information when you use our financial stress management services and visit our website at fin-beilcr.com.
Your privacy isn't just a legal obligation for us — it's fundamental to the trust you place in us when seeking help with financial challenges. We've designed our practices around the principle that your personal and financial information deserves the highest level of protection.
Information We Collect
We collect different types of information to provide you with personalized financial stress management support and improve our services.
Personal Information
- Name and contact details
- Age and location information
- Employment status and income range
- Financial stress assessment responses
Financial Information
- General debt categories and amounts
- Budget planning preferences
- Financial goals and priorities
- Stress triggers related to money
Usage Information
- Website interaction patterns
- Tool usage and preferences
- Session duration and frequency
- Device and browser information
Communication Data
- Support ticket content
- Email correspondence
- Phone call recordings (with consent)
- Feedback and survey responses
How We Use Your Information
Service Delivery
We use your information primarily to deliver personalized financial stress management services. This includes creating customized debt management plans, providing relevant educational resources, and offering support tailored to your specific financial situation.
Communication and Support
Your contact information helps us respond to your questions, send important updates about your account, and provide ongoing support throughout your financial wellness journey. We may also use this information to remind you about upcoming sessions or deadlines for your financial plans.
Service Improvement
We analyze usage patterns and feedback to enhance our tools and resources. This might involve understanding which features help users most effectively manage financial stress or identifying areas where additional support might be beneficial.
Information Sharing and Disclosure
We don't sell your personal information to third parties. However, there are specific circumstances where we may share your information:
Service Providers
We work with trusted third-party companies that help us operate our services, such as secure cloud storage providers, payment processors, and customer support platforms. These partners are contractually required to protect your information and can only use it for the specific services they provide to us.
Legal Requirements
We may disclose your information when required by law, such as responding to valid legal requests from government authorities or protecting our rights and the safety of our users.
Business Transfers
If Infinorix Elite undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We would notify you of any such change and ensure your privacy rights remain protected.
Your Privacy Rights
Under applicable privacy laws, including those in the United States, you have several rights regarding your personal information:
- Access: You can request a copy of the personal information we have about you, including how we've used it and who we've shared it with.
- Correction: If any of your personal information is inaccurate or incomplete, you can ask us to correct or update it.
- Deletion: You may request that we delete your personal information, subject to certain legal and operational requirements.
- Data Portability: Where technically feasible, you can request that we provide your data in a commonly used format for transfer to another service.
- Opt-Out: You can unsubscribe from marketing communications at any time and request that we stop processing your information for certain purposes.
- Restriction: In certain circumstances, you can ask us to temporarily stop processing your information while we address your concerns.
To exercise any of these rights, please contact us using the information provided at the end of this policy. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.
Data Security Measures
Protecting your financial and personal information is our top priority. We've implemented multiple layers of security to safeguard your data:
Encryption
All data is encrypted both in transit and at rest using industry-standard protocols.
Access Controls
Strict employee access controls ensure only authorized personnel can view your information.
Regular Audits
We conduct regular security assessments and vulnerability testing to maintain protection.
Backup Systems
Secure backup systems ensure your data is protected against loss while maintaining privacy.
Despite our best efforts, no method of transmission over the internet or electronic storage is completely secure. We continuously monitor and update our security practices to address emerging threats.
Data Retention
We retain your information only as long as necessary to provide our services and comply with legal obligations. Here's our typical retention schedule:
Active Account Data
Personal and financial information is maintained while your account is active and for up to 2 years after your last interaction with our services.
Communication Records
Support tickets, emails, and other communications are kept for 3 years to help resolve any ongoing issues and improve our services.
Financial Records
Records related to payments and financial transactions are maintained for 7 years to comply with financial regulations and tax requirements.
Anonymous Analytics
Aggregated, non-identifiable usage data may be retained indefinitely to help us improve our services and understand user trends.
You can request early deletion of your information at any time, though we may need to retain certain records to comply with legal requirements or resolve disputes.
International Data Transfers
While Infinorix Elite primarily serves customers in the United States, some of our service providers may process data in other countries. When we transfer your information internationally, we ensure appropriate safeguards are in place through:
- Standard contractual clauses approved by relevant data protection authorities
- Adequacy decisions recognizing equivalent privacy protections
- Certification programs that demonstrate appropriate privacy safeguards
We regularly review our international data transfer practices to ensure they meet current legal requirements and privacy standards.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and understand how our services are used. These include:
Essential Cookies
These are necessary for our website to function properly and cannot be disabled. They include security cookies, session management, and basic functionality cookies.
Analytics Cookies
We use these to understand how visitors interact with our website, which pages are most helpful, and where improvements might be needed. This information is aggregated and doesn't identify individual users.
Preference Cookies
These remember your settings and preferences to provide a more personalized experience when you return to our site.
You can manage your cookie preferences through your browser settings, though disabling certain cookies may affect the functionality of our website.
Children's Privacy
Infinorix Elite's services are designed for adults dealing with financial stress. We do not knowingly collect personal information from children under 13 years of age. If we discover that we have inadvertently collected information from a child under 13, we will delete it immediately.
If you're a parent or guardian who believes your child has provided us with personal information, please contact us immediately so we can address the situation.
Changes to This Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes, we'll notify you through:
- Email notification to your registered email address
- Prominent notice on our website
- In-app notifications if you use our mobile services
We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "Last Updated" date at the top indicates when the most recent changes were made.
Privacy Questions or Concerns?
We're here to help with any privacy-related questions or requests. Contact our privacy team: