Privacy Policy

Harvard Sumida Financial Advisory ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (HarvardSumida.com) or interact with our services.

1. Information We Collect

Information You Provide

We collect information you voluntarily provide when using our website, including:

• Name and contact information (email address, phone number, mailing address)
• Information submitted through contact forms, consultation requests, or email
• Communication preferences and correspondence

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and device information
• Browser type and version
• Pages visited and time spent on the website
• Referring website addresses
• Cookie and tracking technology data

2. How We Use Your Information

We use the information we collect for the following purposes:

• To respond to your inquiries and provide requested services
• To schedule and manage consultations
• To send you administrative information related to our services
• To improve our website and user experience
• To comply with legal and regulatory obligations
• To send marketing communications (only with your consent)

3. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your experience. Cookies are small data files stored on your device. You can control cookie settings through your browser preferences. Disabling cookies may affect certain features of the website.

We may use analytics tools to understand how visitors interact with our website. These tools collect information in an aggregated, anonymous manner.

4. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in operating our website and delivering services, subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, or legal process.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with notice to affected users.

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.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable laws and regulations. Client records are retained in accordance with FINRA and SEC retention requirements (minimum of three to six years).

7. Your Rights

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

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal data, subject to legal retention requirements.
• Opt-Out: Unsubscribe from marketing communications at any time.
• Portability: Request transfer of your data in a structured, machine-readable format.

To exercise any of these rights, please contact us at harvard@harvardsumida.com.

8. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected data from a minor, we will take steps to delete such information promptly.

9. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to say no to the sale of personal information, and the right to delete personal information. As noted above, we do not sell personal information. To exercise CCPA rights, please contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

11. SMS Privacy Disclosure

HMS does not sell, rent, or share mobile opt-in information with third parties for marketing purposes. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. If you wish to exercise any of these rights, please contact us using the details below.

12. Contact Information

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

Harvard M. Sumida, CFP®
PO Box 1599
Kaneohe, HI 96744
Email: harvard@harvardsumida.com
Phone: (808) 532-0645
Fax: (808) 913-3716