1. Introduction
This Privacy Policy applies to information collected through this website, PatrickDCollins.com, including pages, forms, newsletter signups, free workbook downloads, educational content, contact requests, and related communications.
This website is designed to provide educational content around money, debt, budgeting, homeownership, financial clarity, and related topics. When you use this site, submit your information, download a resource, or communicate with us, you agree that your information may be collected, used, and protected as described in this Privacy Policy.
We believe privacy should be handled with honesty and clarity. We only want to collect information that helps us serve you, respond to your requests, deliver helpful resources, and operate this website responsibly.
2. Information We Collect
We may collect personal information directly from you, automatically through your use of the website, and from third-party platforms or service providers that support this website.
Information you provide directly
- Name
- Email address
- Phone number, if voluntarily provided
- Mailing address, if voluntarily provided
- Questions, comments, or messages you submit
- Newsletter signup information
- Free workbook or lead magnet request information
- Information related to budgeting, debt, homeownership, or financial goals that you choose to submit through a form or communication
- Any other information you voluntarily provide by form, email, chat, calendar request, or other communication
Information collected automatically
- IP address
- Browser type
- Device type
- Operating system
- Pages viewed
- Links clicked
- Time spent on pages
- Referring URLs
- General location information derived from your IP address
- Cookie identifiers, pixels, and similar tracking data
Information from third parties
- Email marketing platforms
- CRM and automation platforms
- Website analytics providers
- Advertising platforms
- Scheduling or calendar tools
- Form providers and lead capture tools
- Other service providers that help operate this website and related communications
3. How We Use Information
We may use your information for business, educational, communication, marketing, and website operation purposes.
- To send newsletters, educational content, and helpful resources
- To deliver requested downloads, including free workbooks, guides, checklists, and related materials
- To respond to your questions, requests, or messages
- To schedule calls, consultations, or appointments if requested
- To personalize content and improve your experience on the website
- To understand how visitors use the website
- To improve website performance, messaging, resources, and educational content
- To send follow-up emails or reminders related to resources you requested
- To send marketing communications, where permitted by law
- To help prevent fraud, abuse, unauthorized access, or security issues
- To comply with legal, regulatory, business, and recordkeeping obligations
In simple terms: if you ask for a resource, join the newsletter, or contact us, we use your information to respond, deliver what you requested, and continue providing helpful content.
5. Cookies & Tracking Technologies
This website and its service providers may use cookies, pixels, tags, scripts, analytics tools, advertising tools, and similar technologies to support website functionality, measure performance, and improve the user experience.
These technologies may help us:
- Keep the website functioning properly
- Remember preferences
- Measure traffic and engagement
- Understand which pages and resources are most helpful
- Improve website design and messaging
- Measure the performance of ads, emails, and campaigns
- Deliver more relevant content or promotions
You can manage or disable cookies through your browser settings. Please note that disabling cookies may affect how certain parts of the website function.
6. Email & Communications
If you join the newsletter, download a free resource, complete a form, or otherwise provide your contact information, you may receive emails related to your request, educational content, updates, reminders, and marketing communications where permitted by law.
You may unsubscribe from marketing emails at any time by clicking the unsubscribe link in the email or by contacting us at support@patrickdcollins.com.
Your consent to receive marketing emails is not required to do business with us. You can unsubscribe anytime.
7. Forms & Third-Party Tools
This website may use embedded forms, landing page tools, email platforms, automation tools, analytics tools, and other third-party services to collect information, deliver resources, and manage communications.
When you submit information through a form on this website, your information may be processed by the third-party platform that powers the form, email delivery, CRM, or automation workflow. Those providers may process information according to their own privacy policies and terms.
We use these tools to operate the website, deliver requested resources, manage newsletter subscriptions, improve user experience, and communicate with people who request information.
8. AI & Automation
We may use automation tools, artificial intelligence tools, language models, and related technologies to help improve internal workflows, content organization, drafting, customer experience, service quality, and business operations.
Where permitted by law, information may be processed through these systems for support, classification, analysis, summarization, drafting, personalization, or service improvement.
We do not use artificial intelligence to replace licensed professional judgment where such judgment is required.
9. Data Retention
We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide requested resources, communicate with you, maintain business records, comply with legal obligations, resolve disputes, and enforce agreements.
Retention periods may vary depending on the type of information, the nature of your interaction with us, operational needs, and legal requirements.
10. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction.
No website, platform, email system, form tool, or data storage method can be guaranteed to be 100% secure. By using this website and communicating electronically with us, you acknowledge that there is always some risk involved.
11. California Privacy Rights
If you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, and other applicable California privacy laws.
Your California rights may include
- The right to know what personal information we collect, use, disclose, share, or retain
- The right to request access to specific pieces of personal information
- The right to request deletion of personal information, subject to legal exceptions
- The right to request correction of inaccurate personal information
- The right to opt out of the sale or sharing of personal information, where applicable
- The right to limit certain uses of sensitive personal information, where applicable
- The right not to be discriminated against for exercising your privacy rights
Global Privacy Control
Where legally required, we recognize browser-based Global Privacy Control, or GPC, signals as a valid request to opt out of the sale or sharing of personal information.
How to exercise your rights
To submit a privacy request, email support@patrickdcollins.com. We may need to verify your identity before completing your request.
You may also designate an authorized agent to make a request on your behalf, subject to verification and applicable legal requirements.
12. Children’s Privacy
This website is not intended for children under the age of 18. We do not knowingly collect personal information directly from children under 18 through this website.
If you believe a child has provided personal information to us, please contact us so we can review and address the issue.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business, technology, website tools, legal requirements, or privacy practices.
When changes are made, we will post the updated version on this page and revise the “Last Updated” date at the top. Your continued use of the website after changes are posted means you accept the updated Privacy Policy.
14. Contact Us
If you have questions about this Privacy Policy or would like to exercise your privacy rights, you may contact us at:
- Email: support@patrickdcollins.com
- Mail: 254 Lake Ave #213, Pasadena, CA 91101
If you are reaching out about California privacy rights, please include enough detail for us to understand your request, and we will respond in accordance with applicable law.