Cleared 4 Wealth
Privacy & Data Policy
How We Collect, Use, and Protect Your Information
Effective Date: 9/17/26
Version: 1.1
Last Reviewed: Dan Kiley
Prepared By: Dan Kiley
Dan Kiley DBA Cleared 4 Wealth
1. Introduction
At Cleared 4 Wealth, we believe that trust is the foundation of every successful coaching relationship. Effective financial coaching requires you to share personal, financial, and sometimes sensitive information with us — and we don't take that trust lightly.
This Privacy & Data Policy explains, in plain language, exactly what information we collect, why we collect it, how we use it, and how we protect it. Our goal is to give you full clarity and confidence so that you can engage in our coaching process openly and honestly, knowing your information is handled with care and professionalism.
This policy applies to all information gathered through our Client Intake Form and throughout the course of your coaching engagement with us. By completing the Client Intake Form and engaging in our coaching services, you acknowledge that you have read and understand this Privacy & Data Policy.
2. Information We Collect
We collect only the information that is necessary to deliver effective, personalized financial coaching. Below is a complete description of each category of information we gather through the Client Intake Form and coaching process.
a) Personal & Contact Information
● Full legal name and preferred name
● Date of birth
● Email address
● Phone number
● Preferred contact method and times
b) Household & Family Information
● Relationship / marital status
● Number of dependents and their approximate ages
● Current living situation (e.g., renting, homeowner, living with family)
c) Employment & Income Information
● Current employment status
● Employer name and/or occupation
● Gross monthly household income
● Other income sources (e.g., freelance work, benefits, rental income)
● Income consistency (e.g., steady salary, variable/seasonal income)
d) Financial Asset Information
● Approximate checking and savings account balances
● Approximate retirement account totals (e.g., 401(k), IRA)
● Other investments (approximate values)
● Emergency fund status
Note: We ask for approximate figures only. Exact account numbers, routing numbers, or login credentials are never requested or collected.
e) Debt Information
● Type of debt (e.g., credit card, auto loan, student loan, medical debt)
● Lender or creditor name
● Current outstanding balance
● Minimum monthly payment
f) Budget & Spending Information
● Current budgeting methods (e.g., spreadsheet, app, envelope system, none)
● Monthly expense estimates by category (e.g., housing, groceries, utilities, transportation)
● General spending patterns and habits (as self-reported)
g) Goals & Motivation
● Short-term and long-term financial goals
● Personal motivators and perceived barriers to financial progress
● Confidence levels related to finances and goal achievement
h) Coaching Preferences
● Preferred session format (e.g., video call, phone, in-person)
● Preferred session frequency
● Communication style preferences
● Learning style preferences (e.g., visual, written, conversational)
i) Wellbeing & Stress Notes
● Self-reported stress levels related to finances or life circumstances
● Relevant life events or circumstances the client chooses to share
These fields are entirely optional. You are never required to share anything about your mental or emotional wellbeing. Any information shared is used solely to help us approach your coaching sessions with appropriate care and sensitivity.
3. How We Use Your Information
Your information is used for one purpose: to provide you with the best possible financial coaching experience. Specifically, we use the information you share to:
● Personalize your coaching services — We tailor every session, resource, and recommendation to your unique financial situation, goals, and learning preferences.
● Track your progress — We use your intake information and session notes to monitor your progress toward your stated goals.
● Prepare session materials and resources — Your financial details help us prepare relevant worksheets, action plans, and follow-up resources between sessions.
● Maintain accurate coaching records — We keep records of your coaching engagement to ensure continuity and consistency across sessions.
● Communicate with you — We use your contact information and preferences to schedule sessions, send follow-up materials, and communicate about your coaching progress.
● Improve our coaching practice — Aggregated, fully de-identified (anonymous) data may be used to evaluate and improve the overall quality of our coaching services. This data cannot be traced back to any individual client.
Our Commitment
We will never use your personal or financial information for any purpose beyond what is described above without your explicit, written consent.
4. How We Do NOT Use Your Information
We want to be completely transparent. Here is an explicit list of things we will never do with your information:
● We will never sell, rent, or trade your data to any third party, for any reason, under any circumstances.
● We will never use your data for credit checks or credit reporting of any kind.
● We will never share your information with financial institutions — including banks, lenders, or creditors — without your explicit written consent.
● We will never use your data for marketing or advertising purposes without your prior opt-in consent. If you receive communications from us beyond session-related correspondence, it is because you have affirmatively chosen to receive them.
● We will never provide your data to employers, government agencies, or any other outside parties without your explicit written consent or a lawful legal obligation compelling us to do so (see Section 7 for more on legal disclosures).
● We will never use your information to make judgments about your financial worthiness or share such assessments with any outside party.
5. Data Storage and Security
We take the security of your personal and financial information seriously and implement reasonable, practical safeguards to protect it.
Digital Records
● Client files are stored on secure, password-protected platforms and devices.
● Digital files are protected with strong passwords and, where available, two-factor authentication.
● We use encrypted file storage or secure cloud platforms with established privacy protections to the extent applicable to our practice.
● Access to your digital records is strictly limited to the coach and any designated team members who have a direct, need-to-know role in your coaching engagement.
Physical Records
● Any printed documents containing client information (e.g., signed intake forms, handwritten session notes) are stored in locked filing cabinets or secure physical storage.
● Physical records are not left in unsecured locations and are properly shredded when no longer needed.
Limitations
A Transparent Note on Security
No data storage system — digital or physical — can be guaranteed to be 100% secure. While we take all reasonable precautions to protect your information, we cannot warrant or guarantee the absolute security of any data you provide to us. In the event of a security incident that affects your data, we will notify you promptly (see Section 8 — Your Rights).
6. Data Retention
We retain your information only for as long as necessary to serve you and to meet any applicable legal obligations.
Record Type
Retention Period
Client Intake Forms
Duration of coaching relationship + 3 years, or as required by applicable law
Session Notes and Progress Records
Duration of coaching relationship + 3 years, or as required by applicable law
Financial Worksheets and Action Plans
Duration of coaching relationship + 3 years, or as required by applicable law
Communication Records (emails, messages)
Duration of coaching relationship + 1 year
Requesting Deletion of Your Data
After your coaching relationship concludes, you have the right to request that your data be deleted. To submit a deletion request, please contact us using the information in Section 12. We will honor deletion requests to the extent permitted by law. Certain records may need to be retained for a defined period to comply with applicable legal, tax, or professional standards.
Business Closure or Transfer
In the event that Cleared 4 Wealth ceases operations or transfers ownership, we will:
● Notify active clients in writing prior to any transfer of their data.
● Ensure any successor or acquiring party is bound by equivalent privacy commitments.
● Provide clients the opportunity to request deletion of their records prior to any transition.
● Securely destroy any records that are not transferred.
7. Sharing Your Information
Your financial information is private. We do not share it — period — except in the limited circumstances described below.
When We May Share Information
We may share your information only in the following circumstances:
1. With your explicit written consent — If you ask us to share information with a third party (such as a financial planner, CPA, or family member), we will do so only with your written authorization, limited to what you specify.
2. As required by law — If we are legally compelled to disclose information (for example, by a court order or valid legal process), we will comply with the minimum disclosure required by law. Where permitted, we will attempt to notify you of such a requirement before disclosure.
3. With professional consultants bound by confidentiality — We may occasionally consult with our own professional advisors (such as a business attorney or accountant) in the course of managing our practice. These individuals are bound by professional confidentiality obligations and are not permitted to use your information for any other purpose.
Referrals to Other Professionals
From time to time, we may refer you to other professionals who may be able to assist you — such as a Certified Financial Planner (CFP), a CPA, a tax professional, or a licensed therapist. We will not share any of your personal or financial information with these professionals without your explicit consent. A referral is simply a recommendation; your information remains private unless you choose to share it.
8. Your Rights as a Client
You have meaningful rights regarding your personal and financial information. We are committed to honoring those rights promptly and fully.
Your Right
What It Means
Right to Access
You may request a copy of the information we hold about you at any time.
Right to Correction
You may request that any inaccurate or outdated information be corrected or updated.
Right to Deletion
You may request that your data be deleted after your coaching relationship ends, subject to any applicable legal retention requirements.
Right to Withdraw Consent
You may withdraw your consent to data collection and discontinue coaching services at any time, without penalty.
Right to Breach Notification
If we become aware of a security incident that has compromised your data, we will notify you promptly and describe the steps we are taking in response.
How to Exercise Your Rights
To exercise any of the rights listed above, please contact us using the information provided in Section 12. We will respond to all requests within a reasonable timeframe. We may need to verify your identity before processing certain requests to protect your privacy.
9. Minors
The financial coaching services offered by Cleared 4 Wealth are intended exclusively for adults aged 18 years and older. We do not knowingly collect personal or financial information from individuals under the age of 18.
If we become aware that a minor has submitted personal information through our intake process, we will promptly delete that information from our records. If you believe a minor has provided us with their information, please contact us immediately using the information in Section 12.
10. Changes to This Policy
We may update this Privacy & Data Policy from time to time to reflect changes in our business practices, applicable laws, or the services we offer. The current version number and Last Reviewed date at the top of this document will always reflect the most recent revision.
How We Will Notify You
● Material changes — If we make significant changes that affect how your data is collected, used, or shared, we will notify you directly via email or written notice prior to those changes taking effect.
● Minor updates — Minor clarifications or formatting updates may be made without direct notification, but the version number and review date will be updated accordingly.
● Continued engagement — Your continued participation in coaching sessions after notification of a material change constitutes your acceptance of the updated policy. You always have the right to discontinue services if you do not agree with a policy change.
11. Contact Information
If you have any questions, concerns, or requests related to this Privacy & Data Policy or the handling of your personal information, please reach out to us. We are happy to help.
Business Name
Cleared 4 Wealth
Coach Name
Dan Kiley
Email Address
Website
Legal Notice:
This Privacy & Data Policy is provided for general informational and operational purposes. It does not constitute legal advice and should not be relied upon as such. Privacy laws and data protection requirements vary by jurisdiction and may change over time. We strongly recommend consulting a qualified attorney in your jurisdiction to ensure this policy meets all applicable legal requirements for your specific business and location.
Cleared 4 Wealth | Privacy & Data Policy | Version 1.1 | Confidential
This document is intended solely for the named client and authorized personnel of Dan Kiley DBA Cleared 4 Wealth.