HGaP Consulting — Privacy Policy

1. Overview

HGaP Consulting (“Consultant”) is committed to protecting the privacy of clients and visitors (“you”). This Privacy Policy explains what information is collected, how it is used, and your rights in connection with your use of HGaP Consulting services and the hesgotapoint.com website. By engaging the Consultant’s services or using this website, you agree to the practices described in this policy.

2. Information Collected

HGaP Consulting collects the following categories of information:

• Contact information: Name and email address provided during booking or direct communication.
• Session-related information: Details you voluntarily share before, during, or after a consulting session, including information about your credit card portfolio, spending habits, financial goals, and rewards program participation.
• Booking and payment information: Booking details processed through the scheduling platform. Payment information is handled entirely by the third-party payment processor and is not stored by HGaP Consulting.
• Communications: Emails and follow-up questions submitted in connection with your session.
• Website usage data: Standard analytics data (pages visited, time on site, general location) collected through analytics tools to improve the website experience.
• Card recommendation quiz responses: If you use the card recommendation quiz, your anonymized quiz inputs (spending categories, credit score range, financial goal, and monthly spend estimate) and the cards recommended to you are stored for internal analytics purposes. This data contains no personally identifying information and is not linked to your identity, IP address, or device.

3. How Your Information Is Used

Information collected is used to:

• Confirm, schedule, and conduct consulting sessions.
• Provide personalized credit card and rewards strategy advice.
• Respond to follow-up questions and communications.
• Improve the quality of services and website content.
• Comply with legal obligations where applicable.

Your information is never used for unsolicited marketing communications without your consent.

4. Data Retention

Session notes and related communications are retained for a reasonable period to support follow-up inquiries and service continuity. Requests for deletion of personal information may be submitted at any time by contacting HGaP Consulting at itsfaiq@hesgotapoint.com. Such requests will be fulfilled within a reasonable timeframe consistent with applicable law.

5. No Sale or Rental of Information

HGaP Consulting does not sell, rent, trade, or otherwise transfer your personal information to third parties for marketing or commercial purposes.

6. Security

HGaP Consulting takes reasonable measures to protect the information you share, including limiting access to session notes and using secure communication channels where possible. However, no method of digital transmission or storage is completely secure. Absolute security cannot be guaranteed, and users are encouraged to exercise caution when sharing sensitive financial information.

7. Your Rights

You have the right to:

• Request access to the personal information held about you.
• Request correction of inaccurate information.
• Request deletion of your information, subject to legal retention obligations.
• Withdraw consent for any data processing based on consent, where applicable.

To exercise any of these rights, contact HGaP Consulting at itsfaiq@hesgotapoint.com.

8. California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. HGaP Consulting does not sell personal information. To exercise your CCPA rights, contact HGaP Consulting at itsfaiq@hesgotapoint.com.

9. Minors

HGaP Consulting services are intended for individuals 18 years of age or older. HGaP Consulting does not knowingly collect personal information from individuals under 18. If you believe a minor has submitted information, please contact HGaP Consulting and the information will be promptly deleted.

10. Changes to This Policy

This Privacy Policy may be updated from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of services following any update constitutes your acceptance of the revised policy. Material changes will be communicated where practicable.

11. Use of AI Tools

In preparing session materials or responses, HGaP Consulting may use AI-assisted tools to help organize or draft content. Any information used in this context is handled with the same confidentiality standards described in this policy. Identifiable personal information is not input into public AI platforms.

12. Testimonials

If you provide a testimonial or review, HGaP Consulting may share it publicly (e.g., on the website or social media) with your permission. Your full name will not be used without explicit consent. You may request removal of a testimonial at any time by contacting HGaP Consulting.

13. Contact

For any privacy-related questions, requests, or concerns, please contact:

itsfaiq@hesgotapoint.com