Privacy Policy

Scope of This Privacy Policy

Craft & Sage Wealth, LLC ("we," "us," or "our") respects your privacy and is committed to protecting the personal information we collect and maintain. This Privacy Policy describes how we collect, use, disclose, retain, and safeguard personal information through our website, online forms, email communications, meetings, client onboarding processes, advisory relationships, and other interactions with us.

This Privacy Policy is intended to address both: (a) our general website and business privacy practices; and (b) our obligations as a financial institution under applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act ("GLBA") and SEC Regulation S-P, where applicable.

If a separate client privacy notice, account agreement, or other disclosure applies to a specific product, service, or relationship, that disclosure will supplement this Privacy Policy.

Categories of Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information:

Identifiers and contact information, such as name, mailing address, email address, telephone number, date of birth, account username, or government-issued identifiers where permitted or required.
Financial and account information, such as income, assets, liabilities, investment objectives, risk tolerance, tax information, account balances, transaction history, beneficiary information, and related records.
Advisory relationship information, such as information provided in discovery meetings, planning conversations, questionnaires, notes, service preferences, goals, and recommendations.
Commercial information, such as records of products or services you considered, obtained, or discussed with us.
Internet or other electronic network activity information, such as IP address, browser type, device information, referring pages, session activity, cookies, and analytics data.
Professional or employment-related information, such as employer, title, compensation information, business ownership details, and retirement benefit information.
Audio, visual, or communications information, such as call recordings where permitted by law, webinar attendance data, meeting notes, or email correspondence.
Sensitive personal information when necessary and permitted by law, such as Social Security number, driver's license number, passport number, precise financial account access credentials, health-related information relevant to financial planning, or other data requiring heightened protection.

Sources of Personal Information

We may collect personal information from the following sources:

Directly from you, such as when you complete forms, schedule a consultation, subscribe to updates, engage us for services, upload documents, or communicate with us.
Automatically through your use of our website, portals, or emails, including through cookies, pixels, analytics tools, or similar technologies.
From service providers, custodians, broker-dealers, account aggregation platforms, CRMs, scheduling tools, financial planning tools, analytics providers, compliance vendors, or document management platforms used in our business.
From third parties you authorize, such as your accountant, attorney, trustee, employer, insurance professional, plan administrator, or family members involved in your planning.
From publicly available sources or data providers, where permitted by law.

How We Use Personal Information

We may use personal information for the following business and commercial purposes:

To provide investment advisory, financial planning, wealth management, retirement planning, insurance, tax coordination, estate coordination, or related services.
To open, maintain, service, review, and administer accounts and client relationships.
To communicate with you about our services, appointments, updates, events, newsletters, educational content, and administrative matters.
To verify identity, prevent fraud, detect security incidents, and protect against unauthorized access or misuse.
To comply with legal, regulatory, recordkeeping, audit, supervisory, and compliance obligations.
To improve our website, content, service experience, and business operations.
To manage recruiting, contracting, vendor relationships, and internal administration, where applicable.
To enforce our agreements, protect our rights, and resolve disputes.

When We Disclose Personal Information

We do not sell personal information in exchange for money. We may disclose personal information as permitted by law, including in the following circumstances:

To custodians, broker-dealers, fund companies, insurance carriers, banks, and other financial institutions needed to service your accounts or transactions.
To service providers and vendors that perform functions on our behalf, such as cloud hosting, CRM, data security, client reporting, document management, communications, scheduling, website hosting, and analytics.
To attorneys, accountants, consultants, compliance firms, auditors, regulators, examiners, law enforcement, courts, or other parties when required or permitted by law.
To your authorized representatives, trustees, executors, beneficiaries, or other third parties you direct us to work with.
In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar transaction, subject to appropriate confidentiality protections.
As otherwise disclosed to you or with your consent.

Where required, we contractually require service providers and contractors to protect personal information and use it only for authorized purposes.

Federal Financial Privacy Notice for Clients and Consumers

As a financial institution, we may collect nonpublic personal information about current, former, and prospective clients in connection with providing financial products and services. We maintain physical, electronic, and procedural safeguards designed to protect that information.

We may share nonpublic personal information as permitted by federal law, including to service providers, custodians, broker-dealers, compliance providers, or other nonaffiliated third parties as necessary to service accounts, process transactions, maintain records, or comply with legal and regulatory obligations.

Federal law may give consumers the right to limit certain kinds of sharing, but not all sharing. If our practices trigger an opt-out right under applicable law, we will provide the required notice and method to exercise that right. If we qualify for an annual privacy notice exception under applicable law, we may rely on that exception where permitted.

Nothing in this Privacy Policy limits any separate client privacy notice we provide under GLBA or Regulation S-P. If there is a conflict, the more specific client privacy notice will control for that relationship.

Cookies, Analytics, and Online Tracking

Our website may use cookies, pixels, log files, tags, session replay tools, or similar technologies to help the site function, understand traffic patterns, improve content, measure campaign performance, and support security or fraud prevention.

These technologies may collect information such as IP address, browser type, device identifiers, operating system, pages viewed, links clicked, approximate location inferred from IP address, and date and time of visits.

You can manage some cookies through your browser settings or available cookie controls on our site. Disabling certain cookies may affect website functionality.

We do not respond to browser "Do Not Track" signals in a uniform way because there is no widely accepted standard for doing so. If that changes, we may update our practices.

Marketing Communications

We may send newsletters, event invitations, educational content, or other communications consistent with applicable law. You may opt out of marketing emails by using the unsubscribe link in the message or contacting us using the information below. Even if you opt out of marketing communications, we may still send service, account, security, legal, or administrative messages.

Text Messaging and Call Recording

If we offer text messaging, appointment reminders, or phone-based communications, message and data rates may apply. Consent to receive texts is not a condition of purchasing services. You may opt out by following the instructions provided in the message.

Calls or meetings may be monitored or recorded where permitted by law for quality assurance, training, security, or recordkeeping purposes.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against loss, misuse, unauthorized access, disclosure, alteration, or destruction. These safeguards may include access controls, encryption, secure file transfer methods, vendor diligence, incident response procedures, and employee training.

No system is perfectly secure, and we cannot guarantee absolute security. If we become aware of a data incident requiring notification under applicable law, we will provide notice as required.

Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, maintain business and legal records, comply with regulatory obligations, resolve disputes, and enforce agreements. Retention periods may vary based on the type of information, the nature of the relationship, and applicable law.

As a regulated financial services firm, we may be required to retain certain records for specified periods under securities, tax, anti-money-laundering, or other legal requirements.

Your Choices and Rights Generally

Subject to applicable law, you may have the right to:

Request access to the personal information we maintain about you.
Request correction of inaccurate personal information.
Request deletion of personal information, subject to legal and regulatory exceptions.
Opt out of certain marketing communications.
Request information about our privacy practices or disclosures.

We may need to verify your identity before responding to a request. We may also deny or limit a request where permitted by law, including when we must retain information to comply with legal, regulatory, audit, security, fraud prevention, or recordkeeping obligations.

California Privacy Rights (CCPA/CPRA)

This section applies to California residents to the extent the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA"), applies to the personal information we collect. Certain personal information subject to GLBA or other financial-services-specific exemptions may be outside the scope of the CCPA, but this section applies to non-exempt information to the extent required by law.

In the preceding 12 months, we may have collected the categories of personal information described in "Categories of Personal Information We Collect" from the sources described in "Sources of Personal Information", for the purposes described in "How We Use Personal Information", and disclosed them to the categories of recipients described in "When We Disclose Personal Information".

California residents may have the following rights, subject to exceptions and verification requirements:

Right to know the categories of personal information collected, the categories of sources, the business or commercial purposes for collection, and the categories of third parties to whom personal information is disclosed.
Right to know the specific pieces of personal information we have collected about you.
Right to request deletion of personal information we collected from you, subject to exceptions.
Right to request correction of inaccurate personal information.
Right to limit the use and disclosure of sensitive personal information, where the CCPA requires that right.
Right to opt out of the sale or sharing of personal information, if we engage in those activities in a way covered by the CCPA.
Right not to receive discriminatory treatment for exercising your privacy rights.

At this time, Craft & Sage Wealth does not sell personal information and does not share personal information for cross-context behavioral advertising as those terms are defined under the CCPA. If that changes, we will update this Privacy Policy and provide any required opt-out methods.

To submit a California privacy request, contact us using the details in "How To Contact Us". You may also designate an authorized agent to act on your behalf where permitted by law. We may require the agent to provide proof of authorization and may still verify your identity directly with you.

We use and disclose sensitive personal information only for purposes permitted by law and reasonably necessary to provide services, comply with legal obligations, protect security, and operate our business. We do not use sensitive personal information to infer characteristics about individuals beyond those lawful purposes unless we provide any additional rights or notices required by law.

California law also may permit certain requests regarding direct marketing disclosures. If applicable, you may contact us for more information.

Nevada and Other State Privacy Rights

Residents of certain states may have additional privacy rights under applicable law. We will honor valid requests as required by the laws that apply to the personal information at issue. If you have questions about state-specific rights, contact us using the information below.

How to Contact Us

If you have questions about this Privacy Policy, our privacy practices, or your rights and choices, please contact us at:

Company: Craft & Sage Wealth, LLC
Email: contact@craftandsage.com
Phone: 816.436.9939
Mailing Address: 2500 Summit St, Ste 103, Kansas City, MO 64108

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business, services, practices, technology, or legal requirements. When we do, we will revise the effective date above and post the updated version on our website or otherwise make it available as required.