Privacy Policy

SECTION 1 - INFORMATION WE COLLECT

We collect information that you provide directly to us, including:

• Contact information (name, email address, phone number, mailing address)
• Financial information when you submit a loan application
• Property information for loan evaluation purposes
• Information provided through contact forms or email communications
• Information collected automatically through cookies and similar technologies

SECTION 2 - HOW WE USE YOUR INFORMATION

We use the information we collect for various purposes, including:

• To process and evaluate loan applications
• To provide, operate, and maintain our website and services
• To communicate with you about your loan application or inquiry
• To improve, personalize, and expand our services
• To understand and analyze how you use our website
• To comply with legal and regulatory requirements
• To prevent fraud and maintain security
• For marketing purposes, where you have consented

SECTION 3 - SHARING OF INFORMATION

We may share your personal information in the following circumstances:

• Service Providers: With third-party vendors who perform services on our behalf, such as credit reporting agencies, property appraisers, and title companies
• Legal Requirements: When required by law, regulation, legal process, or governmental request
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business
• Protection of Rights: To protect the rights, property, or safety of Global Fox Financial, our customers, or others

We do not sell your personal information to third parties for their marketing purposes.

SECTION 4 - COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with small amounts of data that are stored on your browser or device.

Types of cookies we use:

• Essential Cookies: Necessary for the website to function properly
• Analytics Cookies: Help us understand how visitors use our website
• Functionality Cookies: Remember your preferences and choices
• Marketing Cookies: Used to deliver relevant advertisements

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.

SECTION 5 - DATA SECURITY

We implement appropriate technical and organizational security measures 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, and we cannot guarantee absolute security.

SECTION 6 - DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. The retention period varies based on the type of information and the purpose for which it was collected.

SECTION 7 - YOUR RIGHTS

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Objection: Object to processing of your personal information
• Restriction: Request restriction of processing
• Portability: Request transfer of your information to another party
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided in Section 13.

SECTION 8 - CALIFORNIA PRIVACY RIGHTS (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising CCPA rights

We do not sell personal information. To exercise your CCPA rights, contact us at contact@globalfoxfinancial.com.

SECTION 9 - EUROPEAN PRIVACY RIGHTS (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restriction of processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

To exercise these rights, please contact us at contact@globalfoxfinancial.com. We will respond to your request within one month.

SECTION 10 - CHILDREN'S PRIVACY

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

SECTION 11 - THIRD-PARTY WEBSITES

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

SECTION 12 - CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted on this page.

SECTION 13 - CONTACT US

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

SECTION 14 - AI DATA COLLECTION AND USAGE

Our AI-powered chatbot ("Fox AI") collects and processes information to provide you with automated assistance. This section describes how we handle AI-related data:

Information Collected by Fox AI:

• Chat messages and conversation content you provide to Fox AI
• Timestamp and duration of AI chat sessions
• Questions asked and topics discussed
• Device and browser information used to access Fox AI
• IP address and general location data

How We Use AI-Collected Data:

• To provide automated responses and assistance through Fox AI
• To improve AI accuracy and response quality
• To identify common customer questions and improve our services
• To monitor for potential fraud or misuse
• For regulatory compliance and record-keeping purposes

Data Retention:

AI conversation history is stored in your browser's local storage and remains on your device. We may retain server-side logs of AI interactions for up to 90 days for quality assurance and regulatory compliance. You can clear your local conversation history at any time by clearing your browser data.

AI Training and Third-Party Processing:

Fox AI is powered by third-party AI technology providers. Your conversations may be processed by these providers to generate responses. We do not use your personal conversations to train AI models. However, anonymized and aggregated data may be used to improve service quality.

Your Rights Regarding AI Data:

• You can request deletion of server-side AI conversation logs by contacting us
• You can opt-out of using Fox AI and contact Rey Hernandez directly instead
• You can request a copy of your AI interaction data we have stored
• You can clear local conversation history from your browser at any time

AI Data Security:

We implement security measures to protect AI conversation data, including encryption in transit and secure storage practices. However, please do not share sensitive financial information, passwords, social security numbers, or other highly confidential data through Fox AI. For sensitive matters, contact Rey Hernandez directly.

IMPORTANT: Fox AI is designed for general informational purposes. For matters requiring privacy and confidentiality, please contact our human staff directly rather than using the AI chatbot.