A brokerage you can trust

Privacy Policy

Last updated: August 05, 2025

This Privacy Policy outlines the policies and procedures of Navara Financial Services regarding

the collection, use, and disclosure of Your information when You use our Service. It also informs

You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and enhance our Service. By using the Service, You

agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

Words with an initial capital letter have meanings defined under the following conditions. These

Definitions apply whether the words appear in singular or plural form.

Definitions

For this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest, or other securities entitled to vote for election of directors or other managing authority.
Business, for the purpose of CCPA/CPRA, refers to Navara Financial Services as the
legal entity that collects Consumers' personal information and determines the purposes and means of processing that information, or on behalf of which such information is collected, and that alone or jointly with others determines the purposes and means of processing Consumers' personal information, doing business in the State of California.
CCPA/CPRA refers to the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act of 2020 (CPRA).
Company (referred to as "the Company", "We", "Us", or "Our" in this Agreement) refers to Navara Financial Services, 789 N 860 W, American Fork, UT 84003.
Consumer, for the purpose of CCPA/CPRA, means a natural person who is a California resident, as defined by law, including (1) every individual in the USA for other than a temporary or transitory purpose, and (2) every individual domiciled in the USA who is
outside the USA for a temporary or transitory purpose.
Cookies are small files placed on Your computer, mobile device, or any other device by a website, containing details of Your browsing history on that website, among other uses.
Country refers to: Utah, United States.
Device means any device that can access the Service, such as a computer, cellphone, or digital tablet.
Do Not Track (DNT) is a concept promoted by U.S. regulatory authorities, particularly the Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism allowing users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual. For CCPA/CPRA purposes, Personal Data includes any information that identifies, relates to, describes, or is capable of being associated with, or could reasonably be
linked, directly or indirectly, with You.
Service refers to the Website.
Service Provider means any natural or legal person who processes data on behalf of the Company to facilitate the Service, provide the Service on behalf of the Company, perform related services, or assist in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (e.g., duration of a page visit).
Website refers to Navara Financial Services, accessible from https://www.navarafinancialservices.com.
You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide certain personally identifiable information that can be used to contact or identify You. This may include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City

Usage Data

Usage Data is collected automatically when using the Service and may include:

Your Device’s Internet Protocol (IP) address
Browser type and version
Pages of our Service that You visit
Time and date of Your visit
Time spent on those pages
Unique device identifiers and other diagnostic data

When You access the Service via a mobile device, We may collect additional information, such

as the type of mobile device, unique ID, IP address, operating system, browser type, and other

diagnostic data.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies (e.g., beacons, tags, scripts) to track activity on Our Service and store certain information. Technologies used include:

Cookies or Browser Cookies: Small files placed on Your Device. You can set Your browser to refuse Cookies or indicate when a Cookie is sent, though this may limit some Service functionality.
Web Beacons: Small electronic files in our Service or emails that allow Us to count users who visit pages or open emails and track related website statistics.

Cookies may be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your device when offline, while Session Cookies are deleted when You close Your browser.

We use the following Cookies:

Necessary / Essential Cookies (Session Cookies, Administered by Us): Essential for providing services and features, such as user authentication and fraud prevention.
Cookies Policy / Notice Acceptance Cookies (Persistent Cookies, Administered by Us): Identify if You have accepted Cookies on the Website.
Functionality Cookies (Persistent Cookies, Administered by Us): Remember Your choices (e.g., login details, language preferences) for a personalized experience.

For more details, please visit our Cookies Policy.

Use of Your Personal Data

We may use Personal Data for the following purposes:

To provide and maintain our Service, including monitoring usage.
To manage Your Account and provide access to Service functionalities.
To perform contracts, such as processing purchases or services You request.
To contact You via email, phone, SMS, or other electronic communication regarding updates, security, or contracted services.
To provide news, offers, and information about similar goods or services, unless You opt out.
To manage Your requests to Us.
For business transfers, such as mergers or asset sales, where Personal Data may be transferred.
For other purposes, such as data analysis, identifying trends, and improving our Service, products, and marketing.

We may share Your Personal Data in the following situations:

With Service Providers for monitoring or contact purposes.
For business transfers during mergers, sales, or acquisitions.
With Affiliates, who must honor this Privacy Policy.
With business partners to offer products, services, or promotions.
With other users when You share information in public areas.
With Your consent for any other purpose.

Retention of Your Personal Data

We retain Your Personal Data only as long as necessary for the purposes outlined in this Privacy Policy, or to comply with legal obligations, resolve disputes, or enforce agreements. Usage Data is retained for shorter periods unless needed for security, functionality, or legal compliance.

Transfer of Your Personal Data

Your information may be processed in our operating offices or other locations where involved parties are based, potentially outside Your jurisdiction. Your consent to this Privacy Policy implies agreement to such transfers. We take reasonable steps to ensure secure data treatment and compliance with this Policy.

Deletion of Your Personal Data

You may delete or request assistance to delete Your Personal Data. You can update, amend, or delete information via Your Account settings or by contacting Us. We may retain certain information if legally required or permitted.

Disclosure of Your Personal Data

Business Transactions: If involved in a merger or sale, Your Personal Data may be transferred with prior notice.
Law Enforcement: We may disclose Your Personal Data if required by law or valid public authority requests.
Other Legal Requirements: We may disclose data to comply with legal obligations, protect Company rights, prevent wrongdoing, ensure user safety, or avoid legal liability.

Security of Your Personal Data

We use commercially acceptable means to protect Your Personal Data, but no method is 100% secure. We cannot guarantee absolute security.

CCPA/CPRA Privacy Notice (California Privacy Rights)

This section supplements the Privacy Policy for California residents.

Categories of Personal Information Collected

We may collect the following categories of personal information (as defined by CCPA/CPRA) from California residents in the last 12 months:

Category A: Identifiers (e.g., name, email, IP address): Collected.

Category B: Personal information (e.g., name, address, phone number): Collected.

Category C: Protected classification characteristics: Not collected.

Category D: Commercial information: Not collected.

Category E: Biometric information: Not collected.

Category F: Internet or other network activity (e.g., browsing activity): Collected.

Category G: Geolocation data: Not collected.

Category H: Sensory data: Not collected.

Category I: Professional or employment-related information: Not collected.

Category J: Non-public education information: Not collected.

Category K: Inferences drawn from other personal information: Not collected.

Category L: Sensitive personal information (e.g., account login): Collected.

Exclusions: Publicly available information, deidentified/aggregated data, or information covered by HIPAA, CMIA, FRCA, GLBA, FIPA, or the Driver’s Privacy Protection Act.

Sources of Personal Information

We obtain personal information from:

Direct input (e.g., forms You complete).
Indirect observation (e.g., Your activity on our Service).
Automatic collection (e.g., Cookies).
Service Providers.

Use of Personal Information

We use or disclose personal information for business or commercial purposes, such as:

Operating and providing the Service.
Responding to inquiries and support requests.
Fulfilling Your requests (e.g., answering questions).
Complying with legal obligations.
Detecting security incidents or preventing fraud.
Internal administrative and auditing purposes.

Disclosure of Personal Information

In the last 12 months, We may have disclosed:

Category A: Identifiers
Category B: Personal information (Cal. Civ. Code § 1798.80(e))
Category F: Internet or other network activity

Disclosures are made under contracts ensuring confidentiality and limited use.

Share of Personal Information

We may share Your personal information with:

Service Providers
Affiliates
Business partners
Third-party vendors with Your authorization

Sale of Personal Information

We do not sell personal information in the common sense but may allow Service Providers to use it for business purposes, which may be deemed a “sale” under CCPA/CPRA. Categories potentially shared:

Category A: Identifiers
Category B: Personal information
Category F: Internet or other network activity

Sale of Personal Information of Minors

We do not knowingly collect personal information from minors under 16. If a child under 13 (or 16) provides personal information, please contact Us to have it deleted.

Your Rights under the CCPA/CPRA

California residents have the following rights:

Right to notice: Know what Personal Data is collected and its purposes.
Right to know/access: Request details about Our collection, use, sale, or disclosure of Your personal information.
Right to opt-out: Direct Us not to sell Your personal information.
Right to correct: Request correction of inaccurate personal information.
Right to limit: Limit use or disclosure of sensitive personal information.
Right to delete: Request deletion of Your Personal Data, subject to exceptions.
Right to non-discrimination: Not be discriminated against for exercising Your rights.

Exercising Your CCPA/CPRA Rights

To exercise Your rights, contact Us at:

Email: [email protected]

Your request must provide sufficient information to verify Your identity and describe Your request clearly. We will respond within 45 days (extendable by 45 days if needed) and provide information free of charge for the prior 12-month period.

Do Not Sell My Personal Information

You may opt out of the sale of Your personal information by contacting Us or using opt-out tools on our Service, such as:

“Privacy Preferences” or “Do Not Sell My Personal Information” buttons.
Third-party opt-out platforms (e.g., http://www.networkadvertising.org/choices/, http://www.youronlinechoices.com/, http://optout.aboutads.info/?c=2&lang=EN).
Mobile device settings (e.g., Limit Ad Tracking on iOS, Opt Out of Ads Personalization
on Android).

Opt-outs are browser-specific and may need to be repeated if You change browsers or clear Cookies.

Limit the Use or Disclosure of My Sensitive Personal Information

You may limit the use of sensitive personal information to necessary purposes. Contact Us for details.

Do Not Track (CalOPPA)

Our Service does not respond to Do Not Track signals. You can set DNT preferences in Your browser settings.

California Shine the Light Law

California residents may request information about sharing Personal Data with third parties for direct marketing. Contact Us at [email protected].

California Privacy Rights for Minors

Minors under 18 may request removal of publicly posted content. Contact Us with Your account’s email address. Removal may not be complete if not permitted by law.

Children’s Privacy

We do not knowingly collect Personal Data from anyone under 13. If We learn such data was collected, We will remove it. Parental consent may be required for processing in certain jurisdictions.

Links to Other Websites

Our Service may link to third-party websites. We are not responsible for their content or privacy practices. Review their Privacy Policies.

Changes to this Privacy Policy

We may update this Privacy Policy and will notify You via email or a notice on our Service. Changes are effective when posted. Review periodically for updates.