Privacy Policy

Victor Cruz Group may collect information that visitors voluntarily provide through website forms, email communications, appointment requests, newsletter sign-ups, or other direct interactions.

This information may include:

• Name
• Email address
• Telephone number
• Preferred language
• General reason for contacting Victor Cruz Group
• Information included voluntarily in a message or form submission
• Appointment or scheduling information

Visitors should not submit Social Security numbers, account numbers, medical records, passwords, or other highly sensitive personal or financial information through general website contact forms.

The website may also collect limited technical information automatically, including:

• Internet Protocol address
• Browser type
• Device type
• Operating system
• Referring website
• Pages visited
• Approximate location derived from technical data
• Date and time of website activity
• Cookie and analytics information

Information collected through the website may be used to:

• Respond to questions or requests
• Coordinate an introductory conversation or appointment
• Provide requested information or educational resources
• Communicate in English or Spanish according to the visitor's preference
• Improve website content, functionality, and user experience
• Maintain website security
• Understand general website usage and traffic
• Send communications when a visitor has requested or consented to receive them
• Comply with applicable legal, regulatory, professional, or recordkeeping obligations

Submitting information through the website does not automatically create a client relationship, advisory relationship, or other professional relationship.

Information submitted through a website form, email link, or scheduling tool may be transmitted electronically.

Although reasonable measures may be used to protect information, no internet transmission or electronic storage method can be guaranteed to be completely secure.

Visitors should use general contact forms only for introductory or non-sensitive communications.

This website may use cookies and similar technologies to support website functionality, measure traffic, understand visitor behavior, and improve the website experience.

Cookies may collect information such as browser type, device information, pages visited, and time spent on the website.

Visitors may control or disable cookies through their browser settings. Disabling cookies may affect certain website features.

The website may use third-party services for functions such as:

• Website hosting
• Website analytics
• Appointment scheduling
• Email communication
• Contact forms
• Embedded videos
• Social media links
• Website security

These third-party providers may collect or process information according to their own privacy policies and terms.

Victor Cruz Group is not responsible for the privacy practices of external websites, platforms, or third-party service providers.

Victor Cruz Group does not sell personal information collected through this website.

Information may be shared only when reasonably necessary to:

• Respond to a visitor's request
• Operate or maintain the website
• Use an approved website, scheduling, email, analytics, or technology provider
• Comply with legal, regulatory, professional, or compliance requirements
• Protect the rights, safety, security, or property of Victor Cruz Group or others
• Address suspected fraud, misuse, or security concerns

Information related to financial services may also be subject to separate privacy notices, disclosures, agreements, or policies provided through the applicable professional relationship.

Visitors may receive email communications only when they have requested information, submitted a form, scheduled a conversation, subscribed to updates, or otherwise provided permission.

Recipients may unsubscribe from non-essential marketing communications by using the unsubscribe link in an email or by contacting Victor Cruz Group directly.

Administrative, scheduling, legal, compliance, or service-related communications may still be sent when appropriate.

Personal information may be retained only as long as reasonably necessary to:

• Respond to requests
• Maintain communication records
• Support website operations
• Meet legal, regulatory, professional, compliance, or recordkeeping obligations
• Resolve disputes or enforce applicable terms

Retention periods may vary depending on the type of information and the reason it was collected.

Reasonable administrative, technical, and organizational measures may be used to protect information collected through the website.

However, no website, email system, electronic transmission, or storage system can guarantee absolute security.

Visitors should avoid transmitting highly sensitive information through ordinary website forms or unencrypted email.

This website is intended for adults and is not directed toward children under the age of 13.

Victor Cruz Group does not knowingly collect personal information from children under 13 through this website.

If information from a child is discovered, reasonable steps may be taken to remove it.

This website may contain links to third-party websites, social media platforms, scheduling services, educational resources, or other external content.

Victor Cruz Group is not responsible for the content, security, availability, or privacy practices of third-party websites.

Visitors should review the privacy policies of external sites before providing personal information.

Depending on applicable law and the nature of the information collected, visitors may request to:

• Ask what personal information was submitted through the website
• Correct inaccurate contact information
• Request deletion of certain information
• Unsubscribe from marketing communications
• Ask questions about how website information is handled

Some information may need to be retained for legal, regulatory, professional, security, or recordkeeping reasons.

The information on this website is provided for general educational and informational purposes.

Submitting a form, sending an email, downloading a resource, or scheduling an introductory conversation does not create a financial planning, investment advisory, insurance, fiduciary, legal, tax, or accounting relationship.

Any formal professional relationship, services, recommendations, products, disclosures, privacy notices, and responsibilities will be governed by the applicable agreements and documentation provided separately.

This Privacy Policy may be updated periodically to reflect changes in website practices, technology, legal requirements, professional requirements, or services.

The revised date will appear at the top of the page.

Continued use of the website after an update constitutes acknowledgment of the revised Privacy Policy.

For questions about this Privacy Policy or information submitted through this website, contact: