Privacy Policy FFC&P

Effective Date: September 16, 2026

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Fenske Financial Coaching & Planning (“FFC&P,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

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This Privacy Policy explains how we collect, use, store, and disclose personal information when you visit our website, contact us, use our services, or otherwise interact with Fenske Financial Coaching & Planning.

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This policy is intended to provide transparency about our privacy practices and should be read together with any agreements or other notices that apply to specific services.

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Important: This Privacy Policy provides general information about our privacy practices and is not legal advice. Privacy laws and requirements may change. We recommend that businesses obtain independent legal advice to ensure their privacy policies and practices comply with applicable legislation.

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1. What Personal Information Do We Collect?

Depending on the services you request and how you interact with us, we may collect personal information such as:

• Your name and contact information, including email address, telephone number and mailing address;

• Information you provide when completing forms, booking appointments, or communicating with us;

• Financial information necessary to provide financial planning, coaching, retirement planning, investment-related planning, tax preparation, insurance or other services you request;

• Information about income, expenses, assets, liabilities, investments, pensions, government benefits, insurance and other financial circumstances;

• Information about financial goals, objectives, preferences and planning needs;

• Information relating to tax preparation or tax filing services;

• Information contained in documents you choose to provide to us;

• Information required to establish or administer accounts or services with third-party providers at your direction;

• Payment and billing information when you purchase our services;

• Information you voluntarily provide through email, contact forms, consultations, surveys, reviews or other communications; and

• Website and technical information, such as IP address, browser type, device information and information about how you interact with our website.

We only seek to collect personal information that is reasonably necessary for the purposes for which it is being collected.

 

2. How Do We Collect Personal Information?

We may collect personal information when you:

• Contact us by email, telephone, contact form or other communication;

• Book or attend an appointment;

• Request a financial planning, coaching, tax, insurance or other service;

• Provide documents or information required for your financial planning or other services;

• Purchase a service or make a payment;

• Subscribe to a newsletter, mailing list or other communication;

• Participate in a program, workshop, coaching community or educational offering;

• Interact with our website or social media channels; or

• Otherwise voluntarily provide information to us.

Some information may also be collected automatically through our website and associated technologies, including cookies and analytics tools.

 

3. Why Do We Collect Personal Information?

We collect and use personal information for purposes that may include:

1. Providing financial planning, financial coaching, retirement planning, tax preparation, insurance and other services you request;

2. Understanding your financial circumstances, goals and objectives so that we can provide appropriate services and advice;

3. Preparing financial projections, reports, recommendations and other planning documents;

4. Communicating with you about appointments, services, invoices, payments and other matters relating to your relationship with FFC&P;

5. Providing customer service and responding to questions or requests;

6. Processing payments and maintaining appropriate business records;

7. Administering programs, educational services and coaching offerings;

8. Sending newsletters, educational information and promotional communications where permitted and, where required, with your consent;

9. Improving our website, services and client experience;

10. Maintaining the security and functionality of our website and systems;

11. Meeting legal, regulatory, accounting and professional obligations; and

12. Other purposes that are disclosed to you at the time information is collected or that are otherwise permitted or required by law.

We do not collect personal information simply because it is available. We seek to collect information that is relevant and reasonably necessary for the services or purposes involved.

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4. How Do We Store and Protect Personal Information?

We take reasonable administrative, technical and physical safeguards to protect personal information against loss, theft, unauthorized access, use, disclosure, copying or modification.

Our website is hosted through Wix.com, which provides website hosting, data storage and related website services. Information submitted through our website may be stored or processed through Wix and its service providers.

We may also use other technology and service providers to support our business operations. These providers may process personal information on our behalf where necessary to provide their services.

No method of transmitting or storing information electronically can be guaranteed to be completely secure. While we take reasonable steps to protect your information, we cannot guarantee absolute security.

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5. When Do We Share Personal Information?

We do not sell or rent your personal information.

We may disclose personal information where reasonably necessary to provide the services you have requested, operate our business, or meet legal or regulatory obligations.

Depending on the service involved, information may be shared with service providers or other parties such as:

• Technology, website hosting and software providers;

• Payment processors;

• Professional service providers;

• Tax preparation or filing service providers;

• Investment or portfolio-management providers where you have requested or authorized those services;

• Insurance companies or related service providers where you have requested insurance services;

• Accountants, lawyers or other professional advisors where appropriate;

• Government, regulatory or law-enforcement authorities where disclosure is required or permitted by law; and

• Other third parties where you have provided consent or directed us to share information.

We seek to limit disclosure to information reasonably necessary for the relevant purpose.

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6. Third-Party Services and Websites

Our website may contain links to third-party websites, applications or services.

These third parties have their own privacy practices and policies. Once you leave our website or interact directly with a third-party service, the third party's privacy policy may apply.

FFC&P is not responsible for the privacy practices, security or content of third-party websites or services.

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7. Cookies and Analytics

Our website may use cookies and similar technologies to support website functionality, understand website usage, improve the visitor experience and, where applicable, measure marketing or website performance.

Because our website is hosted through Wix, Wix and third-party applications integrated with our website may use cookies or other tracking technologies.

Third-party services, such as analytics tools or applications available through Wix, may collect and process information according to their own privacy policies.

You may be able to control or disable certain cookies through your browser settings. Disabling cookies may affect some website functionality.

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8. Email and Other Communications

We may contact you using the contact information you provide to us for purposes such as:

• Responding to your inquiries;

• Confirming or changing appointments;

• Providing requested services;

• Sending invoices or payment information;

• Communicating about your financial plan or other services;

• Providing service-related notices;

• Sending educational information, newsletters or updates; and

• Sending promotional information where permitted by applicable law.

You may unsubscribe from marketing or promotional communications at any time by using the unsubscribe option provided in the communication or by contacting us directly.

Please note that you may continue to receive communications that are necessary to provide services you have requested or to administer an existing client relationship.

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9. Your Privacy Choices and Access to Your Information

Subject to applicable law, you may contact us to request information about the personal information we hold about you.

You may also request that we:

• Correct inaccurate or incomplete personal information;

• Update your contact information;

• Explain how your information is being used;

• Withdraw consent where consent is the basis for processing; or

• Address questions or concerns regarding our privacy practices.

Depending on the circumstances and applicable legal requirements, we may not be able to delete information that we are required to retain for legal, regulatory, accounting, professional or other legitimate business purposes.

To make a privacy-related request, please contact us using the information provided below.

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10. Retention of Personal Information

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, to provide services, maintain appropriate business records, and meet applicable legal, regulatory, accounting or professional requirements.

When personal information is no longer required, we take reasonable steps to securely dispose of or anonymize it, subject to applicable retention requirements.

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11. Privacy of Children

Our services are intended for adults. We do not knowingly collect personal information from children through our website for the purpose of providing services directly to them without appropriate involvement or authorization from a parent, guardian or other legally authorized person.

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12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, services, technology or applicable privacy requirements.

The updated Privacy Policy will be posted on our website with a revised effective date. We encourage you to review this policy periodically.

Where required, we will provide additional notice of material changes.

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13. Questions or Privacy Concerns

If you have questions about this Privacy Policy, would like to access or correct personal information we hold about you, or have a concern about how your personal information has been handled, please contact:

Fenske Financial Coaching & Planning
Karen Fenske
Vernon, British Columbia, Canada
Email: karen@fenskefinancialcoaching.com

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We welcome questions about privacy and will make reasonable efforts to respond to privacy-related requests and concerns.

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Fenske Financial Coaching & Planning
Trusted. Independent. Authentic.
Feel Good About Your Finances.