Privacy Policy

Who We Are

M&N Financial is operated by Maarnet Gebremariam, located at 2077 Gold St, Ste 210, Alviso CA 95002, United States. We provide tax preparation, life insurance, retirement and IUL planning, will and trust drafting, and notary services to individuals and families in the Bay Area.

Questions about this policy can be sent to maarnet24@gmail.com.

Information We Collect

We collect information you provide directly to us, including:

• Your name, email address, and phone number when you contact us or book a consultation
• Tax documents, financial records, and personal identification you share during a service engagement
• Payment information processed through our payment providers
• Any other information you choose to share with us in writing or in person

We do not collect information automatically through cookies or tracking scripts beyond what standard web hosting logs (such as page visit counts and general traffic data).

How We Use Your Information

We use the information we collect to:

• Provide the services you have requested, including tax filing, insurance enrollment, and document preparation
• Respond to your questions and schedule consultations
• Send you confirmations, updates, and service-related communications
• Comply with legal obligations, including IRS and California state reporting requirements
• Improve how we operate and serve our clients

We do not sell your personal information to third parties.

How We Share Your Information

We may share your information in limited circumstances:

• Service providers: Third parties who help us operate our business, such as our booking platform, email provider, and payment processor. These providers are contractually required to protect your information.
• Insurance carriers: When you enroll in life insurance products, relevant information is shared with the insurance carrier and Maarnet's affiliated agency (Ethos Life) as required to process your application.
• Legal requirements: When required by law, subpoena, or government request, or to protect the rights and safety of our clients and business.

Data Retention

We retain your information for as long as necessary to provide services and meet our legal obligations. Tax records and financial documents are retained in accordance with IRS guidelines, generally seven years. You may request deletion of your personal data at any time by contacting us, subject to any legal retention requirements.

Your Rights (California Residents)

If you are a California resident, the California Consumer Privacy Act (CCPA) gives you specific rights regarding your personal information:

• The right to know what personal information we collect and how it is used
• The right to request deletion of your personal information
• The right to opt out of the sale of your personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

To exercise any of these rights, contact us at maarnet24@gmail.com.

Security

We take reasonable steps to protect your information from unauthorized access, disclosure, or loss. Sensitive documents shared with us are handled with the same care we apply to all client information. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Children

Our services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it.

Changes to This Policy

We may update this policy from time to time. When we do, we will update the effective date at the top of this page. Continued use of our services after any changes constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy, reach out: