Privacy Policy

From advisory clients: In the course of providing investment advisory services, we collect nonpublicpersonal information (NPI) that you provide directly or that we obtain with your authorization. This may includeyour Social Security number, date of birth, banking and financial account information, account balances,sources of income, and other financial information necessary to provide our services.

From website visitors and email subscribers: When you visit our website, certain information is collectedautomatically, including your IP address, browser type, pages visited, and time spent on the site. This iscollected through analytics tools such as Google Analytics and is used to improve our site. We do not sell thisinformation. When you download a resource or subscribe to receive communications, we collect your nameand email address.

Cookies: Our website may use cookies to support basic site functionality and analytics. You can disablecookies in your browser settings, though some site features may not function as intended if you do.

We use the information we collect to provide investment advisory services; communicate with clients andprospective clients; deliver requested resources and educational content; comply with legal and regulatoryrequirements; maintain accurate records; and improve our website and communications.

We do not sell your personal information. We do not share your information with non-affiliated third parties fortheir marketing purposes.

As a fee-only advisory firm, we do not engage in joint marketing arrangements with other financial companies,and we do not share client information with non-affiliates for marketing purposes.

We may share information in the following limited circumstances: with service providers who assist inoperating our business (bound by confidentiality obligations); as required by law or regulation; or to protect therights and safety of Birch Point Wealth Management, our clients, or others.

We maintain physical, electronic, and procedural safeguards that comply with federal standards to protectyour personal information from unauthorized access, use, or disclosure. These include secure file storage,password-protected systems, and restricted access to client information.

We retain client information for as long as required by applicable law and regulation. Regulatory requirementsgenerally mandate retention of certain records for a minimum of six years following the end of the clientrelationship. Information collected from website visitors and email subscribers is retained until you requestdeletion or unsubscribe.

Opting out of marketing communications: You may unsubscribe from our email list at any time by clicking the unsubscribe link in any email we send or by contacting us directly.
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Limiting sharing of NPI: Federal law gives you the right to limit certain sharing of your nonpublic personal information. To exercise these rights, please contact us at the information below.

State law rights: Depending on your state of residence, you may have additional rights regarding your personal information. Please contact us to learn more.

If you are a California resident, the California Consumer Privacy Act, as amended by the California PrivacyRights Act (CCPA/CPRA), gives you certain additional rights regarding your personal information. This sectiondescribes those rights and how to exercise them. Whether the CCPA formally applies to our firm depends onstatutory thresholds; we are providing this section proactively so California residents have clear informationregardless.

Categories of Personal Information We Collect: In the preceding 12 months, we may have collected thefollowing categories of personal information, as defined under the CCPA: identifiers (such as name, emailaddress, phone number, mailing address); financial information (such as account numbers, income, andinvestment holdings, collected as part of providing advisory services); commercial information; internet ornetwork activity information (such as website usage data collected through analytics tools); and, for clients,certain sensitive personal information (such as Social Security number) collected as necessary to provideadvisory services.

We collect this information directly from you, from your interactions with our website, and, for clients, fromcustodians and other financial institutions involved in servicing your account.

How We Use This Information: We use personal information for the purposes described earlier in thispolicy: to provide advisory services, communicate with clients and prospective clients, deliver requestedresources, comply with legal and regulatory obligations, and improve our website.

We Do Not Sell or Share Your Personal Information: We do not sell personal information, and we do notshare personal information for cross-context behavioral advertising, as those terms are defined under theCCPA. We have not done so in the preceding 12 months.

Your California Privacy Rights: Subject to certain exceptions and verification requirements, Californiaresidents have the right to:
● Know what personal information we have collected about you, and request a copy of it.
● Delete personal information we have collected from you, subject to certain exceptions (forexample, information we are required to retain under securities regulations).
● Correct inaccurate personal information we maintain about you.
● Opt out of the sale or sharing of personal information — not applicable here, since we do not sell or share personal information.
● Limit the use of sensitive personal information — we use sensitive personal information (such as Social Security numbers) only as necessary to provide advisory services and meet regulatory requirements, not for any purpose requiring this right.
● Not receive discriminatory treatment for exercising any of these rights.

How to Exercise Your Rights: You may submit a request by emailing hello@birchpointwealth.net or calling (207) 370-4340. We will verify your identity before fulfilling your request, consistent with CCPA requirements. You may also designate an authorized agent to submit a request on your behalf.

Shine the Light: California Civil Code Section 1798.83 permits California residents to request certain information about our disclosure of personal information to third parties for their own direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes.

Our website may contain links to third-party websites. This privacy policy applies only to Birch Point Wealth Management’s website and services. We encourage you to review the privacy policies of any linked sites independently.

We may update this privacy policy from time to time. When we do, we will update the effective date at the top of this page. Material changes will be communicated to advisory clients directly. Continued use of our website or services after any update constitutes acceptance of the revised policy.