Privacy Policy

1. Introduction

Peak Credmere ("we," "us," or "our") provides predictive risk modeling and stop-loss calibration tools for independent professionals. We are committed to protecting the privacy of individuals who interact with our website and services. This policy describes the categories of information we collect, how that information is used, the circumstances under which it may be shared, and the choices available to you.

2. Information We Collect

We may collect the following categories of information when you use our website or submit information through our forms:

3. How We Use Information

Information we collect may be used to:

• Generate the risk analyses, projections, or calibration outputs you request;
• Respond to inquiries submitted through contact or lead-generation forms;
• Operate, maintain, and improve the functionality and security of our website;
• Understand aggregate usage patterns to inform product and content decisions;
• Comply with applicable legal obligations and enforce our Terms of Service.

We do not sell personal information to third parties.

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to provide a requested service, our legitimate interest in operating and improving our website, and compliance with legal obligations.

5. Sharing of Information

We may share information with the following categories of recipients, subject to appropriate safeguards:

• Service providers who support hosting, analytics, form processing, or communication functions on our behalf;
• Professional advisors such as legal or accounting consultants, where necessary;
• Regulatory or legal authorities, where required by applicable law, court order, or governmental request;
• Successors in the event of a merger, acquisition, or sale of business assets, subject to standard confidentiality expectations.

6. Cookies and Similar Technologies

Our website may use cookies and comparable technologies to support core functionality and basic usage analytics. You can control cookie behavior through your browser settings, including blocking or deleting cookies; doing so may affect certain website features.

7. Data Retention

We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods may vary depending on the type of data and the context in which it was collected.

8. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, disclosure, alteration, or destruction. No method of electronic storage or transmission is entirely secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the use of your personal information, and to object to certain processing activities or request a copy of your data in a portable format. To exercise any of these rights, please use the contact details provided on our website. We may need to verify your identity before processing certain requests.

10. Children's Privacy

Our services are intended for independent professionals and adults managing their own financial planning. We do not knowingly collect personal information from children, and any such information discovered will be deleted promptly.

11. International Data Transfers

If you access our website from outside the region in which our servers or service providers are located, your information may be transferred to, stored in, and processed in a different jurisdiction with data protection laws that may differ from those of your home jurisdiction.

12. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of those external sites and encourage you to review their respective policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or applicable legal requirements. Material changes will be reflected by an updated "Last updated" date at the top of this page. Continued use of our website after changes are posted constitutes acceptance of the revised policy.

14. Contact Us

If you have questions about this Privacy Policy or wish to exercise any of the rights described above, please reach out through the contact information provided on our website or in the footer of this page.