Privacy Policy

Effective Date: July 1, 2026

Providence Financial Solutions (“Providence,” “we,” “us,” or “our”) respects your privacy and is committed to handling personal information thoughtfully and responsibly.

Providence Financial Solutions is operated by Providence Group LLC.

This Privacy Policy explains the types of information we may collect when you visit our website, contact us, complete a Financial Snapshot, purchase or schedule coaching, participate in coaching, purchase coaching for someone else, or interact with Providence through an employer-sponsored program such as Fiscal Fitness.

Information We May Collect

Depending on how you interact with Providence, we may collect information such as:

• your name;
• email address;
• telephone number;
• scheduling and appointment information;
• information you voluntarily provide through contact or inquiry forms;
• information you provide through the Financial Snapshot;
• information necessary to process or administer a coaching purchase;
• basic information provided when purchasing coaching for another person;
• information you voluntarily share as part of a coaching relationship;
• employer or organizational information submitted in connection with Fiscal Fitness or another employer inquiry; and
• technical information associated with use of the website, such as browser, device, IP address, cookies, or similar website usage information.

We seek to collect only information reasonably necessary to provide our services, operate the website, communicate with you, and administer our business.

Financial Information

Financial coaching may involve discussion of personal financial circumstances.

Please do not submit sensitive financial information through ordinary website contact forms unless specifically requested through an appropriate method.

Providence does not intend for ordinary website contact forms to be used to transmit Social Security numbers, account passwords, complete bank or credit card numbers, or similar sensitive credentials.

Payment information may be collected and processed by third-party payment providers used to complete transactions. Providence may receive information confirming the transaction without receiving or storing all of the payment-card information provided to the payment processor.

How We Use Information

We may use information we collect to:

• provide financial coaching and related services;
• respond to questions and inquiries;
• schedule and administer appointments;
• process and administer purchases;
• provide Financial Snapshot functionality and results;
• communicate with clients and prospective clients;
• administer Fiscal Fitness and other employer-sponsored services;
• facilitate coaching purchased for another person;
• operate, maintain, secure, and improve our website and services;
• maintain appropriate business and transaction records;
• prevent misuse, fraud, or security problems;
• comply with applicable laws, regulations, legal processes, and professional obligations; and
• carry out other purposes disclosed to you when the information is collected.

Coaching for Someone Else

Providence allows a person to purchase coaching for a friend, family member, or another individual.

The purchaser may provide limited information necessary to identify or contact the intended recipient and facilitate the coaching opportunity.

Purchasing coaching for another person does not give the purchaser access to that person’s coaching conversations, financial information, assessment information, decisions, or other confidential information.

The recipient becomes the coaching client if and when they choose to participate in coaching and complete any applicable onboarding or coaching agreement.

The purchaser provides the opportunity. The recipient retains control of the coaching relationship.

Employer-Sponsored Coaching

Providence may provide financial coaching to employees through Fiscal Fitness or another employer-sponsored arrangement.

Personal financial information discussed by an employee during individual coaching is not provided to the sponsoring employer except when disclosure is authorized by the employee or required or permitted by applicable law.

An employer’s payment for or sponsorship of coaching does not give the employer access to the employee’s individual coaching conversations or personal financial information.

Providence may provide employers with administrative or program-level information when appropriate to operate the program, such as information concerning program utilization, scheduling capacity, or other information that does not disclose an employee’s private coaching conversations, subject to applicable agreements and law.

Financial Snapshot

Information provided through the Financial Snapshot may be used to generate assessment results, help you better understand your financial situation, and, if you choose, support a subsequent coaching conversation.

Assessment results are intended for educational and informational purposes and are not a credit score, financial rating, underwriting determination, or guarantee of any financial outcome.

How We Share Information

Providence does not sell your personal information.

We may share information with service providers that assist us in operating the business or providing services, such as providers for:

• website hosting;
• scheduling;
• payment processing;
• email and communications;
• forms or assessment technology;
• data storage;
• security; and
• other business operations.

These providers may process information according to their own terms and privacy practices as applicable to the services they provide.

We may also disclose information when reasonably necessary to:

• comply with applicable law or legal process;
• respond to a valid governmental, regulatory, or law-enforcement request;
• protect the rights, property, safety, or security of Providence, our clients, or others;
• investigate suspected fraud, misuse, or security incidents; or
• complete a business transaction involving Providence Group LLC, subject to applicable law.

Cookies and Website Technology

Our website may use cookies and similar technologies necessary for website functionality, security, preferences, analytics, or other operational purposes.

Third-party services integrated into the website may also use cookies or similar technologies according to their own privacy practices.

Where required, appropriate choices or notices concerning non-essential cookies may be provided.

Data Retention

Providence retains personal information for as long as reasonably necessary for the purpose for which it was collected, to provide services, maintain appropriate business records, resolve disputes, comply with legal or professional obligations, and protect legitimate business interests.

Different categories of information may be retained for different periods.

Data Security

Providence takes reasonable administrative, technical, and organizational measures appropriate to the nature of the information we maintain.

However, no method of electronic transmission or storage can be guaranteed to be completely secure.

You are responsible for using appropriate care when transmitting sensitive information electronically and for protecting passwords or credentials associated with third-party services you use.

Your Choices

You may contact Providence to:

• ask questions about information you have provided to us;
• request correction of inaccurate contact information;
• request deletion of certain information, where appropriate and legally permitted; or
• ask about our privacy practices.

Certain information may need to be retained when required by law, necessary for legitimate business records, or otherwise permitted under applicable law.

Communications

If you receive optional marketing communications from Providence, you may unsubscribe using the method provided in the communication.

Administrative, transactional, scheduling, or service-related communications may still be sent when necessary to provide or administer services you have requested.

Children’s Privacy

Providence’s website and financial coaching services are not directed to children under 13, and Providence does not knowingly seek to collect personal information online directly from children under 13.

If we learn that information has been collected in circumstances requiring parental consent or other action under applicable law, we will take appropriate steps.

Third-Party Websites and Services

Our website may contain links to or integrations with third-party websites and services.

Providence does not control the privacy practices of independent third parties. Your interactions with those services may be governed by their respective privacy policies and terms.

Changes to This Policy

We may update this Privacy Policy as our services, technology, or legal obligations change.

When we make material changes, we will update the effective date and provide additional notice when appropriate.

Contact Us

Questions about this Privacy Policy or Providence’s privacy practices may be directed to:

Providence Financial Solutions

Operated by Providence Group LLC

Email: [email protected]

Website: pfsols.com