Privacy Policy

1. Brand Identity & Relationship to Regulated Entities

Money with Camacho (@moneywithcamacho) is a personal finance education, content, and affiliate marketing brand operated by Camacho Holdings LLC. This website is primarily designed to provide financial education, share practical personal finance tools (such as budgeting templates and guides), and connect visitors with consultation scheduling.

2. Information We Collect

We collect information you voluntarily provide to us and certain technical information automatically generated when you visit our website. We do not require account registration to browse our content.

3. How We Use Your Information

We use the personal information collected on this website to:

• Schedule, manage, confirm, and conduct your requested 1-on-1 consultation;
• Send appointment confirmation emails, calendar invites, and appointment reminders;
• Prepare for your consultation call based on the specific topic you selected (credit, mortgage, or business funding);
• Respond to inquiries submitted to Bryan@MyTrustedCredit.com;
• Measure website performance, resource engagement, and affiliate traffic;
• Comply with applicable legal, licensing, recordkeeping, and regulatory obligations.

REVIEW REQUIRED Marketing & Automated Follow-Up Communications: If you provide your phone number or email, we may send transactional messages regarding your scheduled call. If you wish to receive future educational or promotional updates, we will only send them in accordance with applicable consent rules. You can opt out at any time by following the unsubscribe instructions or replying STOP to any text message.

4. Service Providers & Third-Party Platforms

We do not sell your personal information. We disclose information only to service providers who support our business operations, bound by contractual or platform data protection commitments:

• CRM & Calendar Scheduling: We utilize integrated CRM and calendar tools (operating via cloud platforms) to host appointment availability, store consultation intake details, deliver booking confirmations, and manage contact records.
• Hosting & Cloud Infrastructure: Our website is hosted on secure cloud edge infrastructure that processes web requests.
• Third-Party Financial Services & Affiliates: When you click on an affiliate or partner link (e.g., money.com offers, business formation tools, banking providers), you leave our site and enter a third-party website governed by that company's own privacy policy.
• Legal & Regulatory Authorities: We may disclose information if required by subpoena, court order, regulatory inquiry, or applicable state and federal laws.

5. Third-Party Links & Affiliate Disclosure

Our website contains links to third-party websites, including Google Sheets (for the free budget planner) and external financial service providers (for high-yield savings accounts, credit card comparisons, LLC formation services, and business checking accounts).

Some of these links are affiliate links. This means Money with Camacho may receive compensation or a commission if you click on a link or complete an application, at no additional cost to you. We are not responsible for the privacy practices, content, or data handling of any third-party websites. We encourage you to review their privacy policies before submitting any personal information.

6. California Privacy Notice (CCPA / CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information, subject to statutory exemptions:

• Right to Know / Access: You may request the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request the deletion of personal information we have collected from you, subject to certain legal exceptions.
• Right to Correct: You may request the correction of inaccurate personal information we maintain.
• Right to Opt Out of Sale / Sharing: We do not sell your personal information for monetary consideration. If any cross-context behavioral tracking is deemed a "sale" or "sharing" under California law, you have the right to opt out. REVIEW REQUIRED: Verify analytics / tracking scope
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise any of these rights, please contact us at Bryan@MyTrustedCredit.com. We will verify your identity before processing your request.

REVIEW REQUIRED Note: Personal financial information collected in connection with mortgage applications or loans is governed by the federal Gramm-Leach-Bliley Act (GLBA) and California Financial Information Privacy Act, which are exempt from certain CCPA provisions.

7. Cookies & Tracking Technologies

Our website may use cookies, local storage, and similar technologies to ensure proper site functionality, remember preferences, and analyze traffic patterns. You can control cookie preferences through your web browser settings.

8. Data Retention & Security

We retain consultation records and contact details only for as long as reasonably necessary to fulfill the consultation, maintain business records, and satisfy legal or regulatory requirements.

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, loss, or misuse. However, no internet transmission or electronic storage system is 100% secure.

9. Children's Privacy

Our website, content, and consultation services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has submitted personal information to us, please contact us immediately so we can remove it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal obligations. When revised, we will update the "Effective Date" at the top of this document. Continued use of the website after an update indicates acceptance of the updated terms.

11. Contact Us & Legal Review Checklist

For privacy inquiries, rights requests, or questions regarding this draft policy: