Privacy Policy

Last Updated: February 2026

Marnea (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit www.mymarnea.com (the “Site”) or use our services, including accounting, lending, insurance, and advising.

1. How We Collect Your Personal Information

A. Information You Provide Directly

We collect personal information that you voluntarily provide to us, including:

• Name
• Email address
• Phone number
• Mailing address
• Financial information and documents you upload or submit
• Information provided during consultations, applications, or service engagements

B. Information Collected Automatically

When you visit the Site, we may automatically collect certain information, such as:

• IP address
• Browser type
• Device information
• Pages visited and time spent on the Site
• Cookies and similar tracking technologies

C. Information from Third Parties

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

• Payment processors
• CRM and scheduling platforms
• Public databases
• Referral partners
• Identity verification services

2. What Personal Information We Collect

Depending on your interaction with us, we may collect:

• Contact information (name, email, phone number, mailing address)
• Financial information (income, tax data, lending information, financial documents)
• Identification information (date of birth, government-issued IDs where required)
• Technical data (IP address, device identifiers, cookies)
• Communication preferences, including SMS opt-in status

3. How We Use Your Personal Information

We use the information we collect for purposes including:

• Providing, operating, and managing our services
• Processing applications, payments, and transactions
• Communicating with you about your account, services, and inquiries
• Sending confirmations, reminders, and service-related notifications
• Improving website performance, functionality, and user experience
• Complying with legal, regulatory, and compliance obligations
• Preventing fraud and enhancing security

We do not sell your personal information.

4. How, Why, and What Personal Information We Share With Third Parties

We may share your information with:

• Trusted service providers who assist in operating our business (such as payment processors, CRM systems, and cloud storage providers)
• Professional advisors, such as attorneys and accountants
• Regulatory or legal authorities when required by law or to protect our rights
• Business partners assisting in service delivery, where appropriate

Mobile opt-in, SMS consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Improve website functionality and performance
• Analyze site traffic and usage patterns
• Personalize and enhance your user experience

You can control cookies through your browser settings. If you disable cookies, some features of the Site may not function properly.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect your information. However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

7. GLBA / FTC Safeguards Rule Compliance

As a financial-services provider, Marnea complies with the Gramm-Leach-Bliley Act (GLBA) and the FTC Safeguards Rule. Our safeguards include:

• Conducting regular risk assessments to identify potential security threats
• Implementing access controls and authentication measures
• Encrypting sensitive data in transit and at rest
• Training employees on cybersecurity and data protection
• Monitoring and testing security systems
• Overseeing service providers to ensure they maintain appropriate safeguards

8. Your Privacy Rights

Depending on your location and applicable law, you may have the right to:

• Access the personal data we hold about you
• Request corrections to inaccurate or incomplete data
• Request deletion of certain personal data (subject to legal obligations)
• Object to or restrict certain processing activities
• Opt out of marketing communications

To exercise these rights, contact us at info@mymarnea.com.

9. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, security, or privacy practices of any third-party websites. We encourage you to review the privacy policies of those websites.

10. Children’s Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will take steps to delete such information.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

info@mymarnea.com