Privacy Policy

Effective Date: August 23, 2026
Last Updated: August 23, 2026

HOA Wealth Advisors (“HOA Wealth Advisors,” “HOAWA,” “we,” “us,” or “our”) respects the privacy of individuals who visit our website, contact us, submit information or documents to us, or otherwise interact with our business.

This Privacy Policy explains the types of information we may collect, how we may use and disclose that information, how we protect it, and the privacy choices or rights that may be available to you.

By using this website or voluntarily providing information to HOA Wealth Advisors, you acknowledge that you have had an opportunity to review this Privacy Policy.

1. Scope of This Privacy Policy

This Privacy Policy applies generally to information collected through or in connection with the HOA Wealth Advisors website, including website forms, Association Financial Information Requests, document submissions, scheduling tools, email communications, prospective-client inquiries, communications with community association Boards and managers, preliminary financial evaluations, and other business interactions with HOA Wealth Advisors.

We may also receive information from community association representatives, management companies, financial institutions, accountants, attorneys, reserve-study providers, engineers, insurance professionals, and other professionals involved with an association.

Certain information may be subject to separate privacy notices, agreements, regulatory requirements, or policies maintained by other financial institutions or regulated entities.

2. Financial-Services Privacy Notices

HOA Wealth Advisors operates in a regulated financial-services environment.

Depending on the nature of a particular relationship, securities brokerage activities may be conducted through Transitional Brokers, and investment advisory activities may be conducted through Lone Peak Advisers.

Those entities, as well as custodians, banks, investment providers, insurance companies, clearing firms, or other financial institutions involved in a relationship, may maintain their own privacy notices, security policies, supervisory requirements, and regulatory obligations.

This Website Privacy Policy is not intended to replace any privacy notice required under the Gramm-Leach-Bliley Act, Regulation S-P, securities laws, investment-adviser regulations, broker-dealer regulations, or other applicable financial-services laws.

Clients or customers involved in regulated financial-services relationships may receive separate privacy notices governing nonpublic personal information. Where another legally applicable privacy notice or financial-services agreement governs particular information, that document may control with respect to that information.

3. Information We May Collect

Depending on how you interact with HOA Wealth Advisors, we may collect information including:

contact and identification information, such as your name, email address, phone number, mailing address, company, association, job title, Board position, or professional role;
association information, including the association name, management company, community manager, Board contacts, professional service providers, and authority to communicate or provide information;
association financial information, including budgets, financial statements, bank statements, reserve balances, investment information, maturity schedules, reserve studies, capital-project information, dues, assessments, loans, account inventories, governing documents, financial policies, contracts, Board materials, and related financial records;
communications and documents you voluntarily submit to us;
information regarding your interactions with our website; and
other information reasonably necessary to evaluate or provide requested services.

Much of the financial information we review relates to a community association rather than an individual. However, association documents may contain personal information concerning Board members, managers, homeowners, vendors, or other individuals.

4. Information About Other Individuals

Association representatives, Board members, community managers, and other professionals may occasionally provide us with information concerning other individuals.

If you provide personal information about another person, you should have an appropriate and lawful basis for providing that information and should provide only information reasonably necessary for the purpose involved.

Please do not unnecessarily provide sensitive personal information relating to homeowners, employees, Board members, vendors, or other individuals.

We may request that unnecessary personal information be removed, redacted, or resubmitted.

5. Sensitive Information — Please Read Carefully

Certain information creates substantially greater privacy and security risk than ordinary business information.

Unless HOA Wealth Advisors specifically requests information through an appropriate secure method, do not send us passwords, online banking credentials, brokerage login credentials, PINs, one-time authentication codes, security-question answers, complete Social Security numbers, complete payment-card numbers, private cryptographic keys, or other credentials capable of providing access to an account.

HOA Wealth Advisors does not need your online banking or investment-account password to evaluate an association's financial position.

When financial documents are requested, use the document-delivery or secure-upload process provided by HOA Wealth Advisors when available. Where practical, account numbers and other sensitive identifiers should be partially redacted unless complete information is specifically required.

Ordinary email should not be used to transmit passwords, authentication credentials, or similarly sensitive information.

6. Information Collected Automatically

When you visit our website, certain technical information may be collected automatically by Wix, Wix Analytics, browsers, devices, security systems, or other website technologies.

This may include information such as your Internet Protocol address, browser type, device type, operating system, referring source, pages viewed, links clicked, approximate location derived from an IP address, session information, timestamps, cookie identifiers, website-performance information, and technical or security diagnostics.

We use this information to operate, maintain, secure, analyze, troubleshoot, and improve the website.

7. Wix Analytics, Cookies, and Similar Technologies

The HOA Wealth Advisors website is built using Wix technology and currently uses Wix Analytics.

Wix Analytics may provide information regarding website visits, page views, traffic sources, devices, browsers, approximate locations, visitor interactions, and website performance.

We may use cookies and similar technologies to support website functionality, security, visitor preferences, analytics, forms, sessions, fraud prevention, and website improvement.

Some cookies may be necessary for the site to function properly. Other technologies may support analytics or optional website features.

Where required by applicable law, visitors may be offered appropriate cookie or privacy controls.

You may also be able to manage cookies through your browser settings. Blocking certain cookies may affect website functionality.

Third-party website integrations, including scheduling tools, forms, security tools, or other services, may use their own technologies and may process information under their own privacy policies.

8. How We Use Information

HOA Wealth Advisors may use information for legitimate business, administrative, financial, security, legal, and regulatory purposes.

These purposes may include responding to inquiries, communicating with prospective or existing clients, determining whether our services may be appropriate, conducting preliminary financial evaluations, reviewing an association's financial position, analyzing operating funds and reserves, evaluating future capital obligations and liquidity needs, preparing financial planning or reserve analysis, preparing Board-ready materials, supporting Board discussions, providing ongoing services where applicable, verifying contact or authority information, scheduling meetings, administering relationships, improving our services and website, maintaining records, preventing fraud, maintaining cybersecurity, complying with regulatory or supervisory requirements, responding to legal process, and establishing or defending legal rights.

Information submitted for a preliminary financial evaluation may be used to understand the association's financial position and determine whether additional analysis or advisory services may be appropriate.

Unless otherwise agreed, HOA Wealth Advisors may rely on financial information provided by an association or its authorized representatives and does not independently audit or verify every item submitted.

9. How We May Share Information

We may disclose information where reasonably necessary for legitimate business, service, compliance, regulatory, legal, or security purposes.

Recipients may include service providers supporting website hosting, Wix, cloud storage, secure document handling, email, scheduling, customer relationship management, electronic signatures, accounting, invoicing, cybersecurity, data backup, analytics, legal services, compliance support, or other business operations.

Where relevant to regulated services, information may also be provided to or processed in connection with Transitional Brokers or Lone Peak Advisers, as appropriate to the activity or relationship.

Information may also be shared, where appropriate, with custodians, banks, financial institutions, investment providers, insurers, clearing firms, community managers, management companies, accountants, attorneys, reserve-study providers, engineers, auditors, lenders, insurance professionals, or other professionals serving an association.

We may disclose information when required or permitted by law, including in response to subpoenas, court orders, regulatory examinations, law-enforcement requests, legal proceedings, investigations, or other lawful government requests.

We may also disclose information when reasonably necessary to investigate fraud or cybersecurity incidents, protect individuals or property, enforce agreements, defend legal rights, or protect our business.

Information may be disclosed at your direction or at the direction of an authorized association representative.

10. We Do Not Operate a Data-Selling Business

HOA Wealth Advisors is not in the business of selling personal information.

We do not operate a business model based on monetizing individuals' personal information or using website visitor information for cross-context behavioral advertising.

We do use Wix Analytics and other service providers for ordinary website operation, analytics, communications, security, and business administration.

Certain privacy laws define terms such as “sale,” “sharing,” or “targeted advertising” broadly. If a technology or disclosure used by HOA Wealth Advisors is legally characterized as such an activity and applicable law provides an opt-out right, we will address that requirement as appropriate.

11. Data Security

HOA Wealth Advisors recognizes that financial and organizational information may be sensitive.

We use administrative, technical, organizational, and physical safeguards that we believe are reasonable and appropriate for the information involved. These may include access controls, authentication, secure systems, document-handling procedures, cybersecurity practices, vendor management, backups, record-retention procedures, and incident-response processes.

However, no website, computer system, cloud platform, email system, telecommunications network, storage system, or method of electronic transmission can be guaranteed to be completely secure.

Accordingly, HOA Wealth Advisors cannot guarantee that unauthorized access, cyberattack, malware, system failure, interception, loss, misuse, or disclosure will never occur.

Users should exercise reasonable care when transmitting sensitive information electronically.

12. Security Incidents

If HOA Wealth Advisors becomes aware of suspected or confirmed unauthorized access to information, we may investigate the incident and take actions we believe appropriate under the circumstances.

Depending on the nature of the incident and applicable legal or regulatory requirements, those actions may include containment, remediation, coordination with cybersecurity professionals, legal counsel, service providers, insurers, Transitional Brokers, Lone Peak Advisers, regulators, law enforcement, or affected individuals.

Nothing in this Privacy Policy creates a notification obligation beyond what is required by applicable law, regulation, contract, or a separately applicable regulated entity's policies.

13. Compliance, Supervision, and Record Retention

Because HOA Wealth Advisors operates in a financial-services environment, certain communications, documents, and records may be subject to securities-law, investment-adviser, broker-dealer, compliance, supervisory, or regulatory recordkeeping requirements.

Information may therefore be retained, archived, reviewed, supervised, or produced during compliance reviews, regulatory examinations, audits, litigation, or other legally required processes.

We may retain information for as long as reasonably necessary for the purpose for which it was collected or for another legitimate business, regulatory, security, legal, tax, accounting, contractual, or recordkeeping purpose.

Retention may continue after an inquiry ends, an association declines to proceed, a client relationship terminates, a community manager changes, or a Board member leaves office.

A request for deletion does not necessarily override legal, regulatory, supervisory, contractual, or recordkeeping obligations.

14. Privacy Rights

Depending on your state of residence, the nature of the information, the relationship involved, applicable law, and available exemptions, you may have rights concerning certain personal information.

These rights may include access, deletion, correction, obtaining a copy of certain information, data portability, withdrawal of certain consent, or opting out of certain sales, targeted advertising, or profiling activities.

Not every privacy right applies in every jurisdiction or circumstance.

Where the Utah Consumer Privacy Act applies to HOA Wealth Advisors and to the information involved, qualifying Utah consumers may have rights to access certain personal data, request deletion of certain personal data they provided, obtain a copy of certain data, and opt out of qualifying targeted advertising or sales of personal data.

These rights are subject to applicable thresholds, definitions, exceptions, verification requirements, and exemptions.

Financial information may also be exempt from certain state privacy laws because it is governed by federal financial-services laws, including the Gramm-Leach-Bliley Act or related regulations.

HOA Wealth Advisors reserves the right to rely on all exemptions, limitations, defenses, and exceptions available under applicable law.

15. Privacy Requests

Privacy requests may be submitted to:

HOA Wealth Advisors
Attention: Privacy
Info@HOAwealthadvisors.com

Please include “Privacy Request” in the subject line and provide enough information for us to understand the request and reasonably identify the relevant records.

Do not include passwords, Social Security numbers, banking credentials, authentication codes, or other highly sensitive information in your initial email.

Before providing, modifying, or deleting information, we may take reasonable steps to verify your identity, authority, relationship to the association, and the authenticity of the request.

Where permitted by law, we may deny, limit, or partially fulfill a request when information must be retained for regulatory, compliance, security, contractual, legal, tax, accounting, fraud-prevention, or recordkeeping purposes, or where a request cannot reasonably be verified.

Where applicable law provides a right to appeal a privacy-request decision, you may submit an appeal to the same email address and identify the communication as a Privacy Request Appeal.

16. Third-Party Websites and Services

Our website may link to or integrate with independent third-party websites and services, including Wix, scheduling services, financial institutions, custodians, regulatory resources, FINRA BrokerCheck, social media platforms, and other providers.

When you use an independent third-party service, that provider's privacy and security practices may apply.

HOA Wealth Advisors does not control and is not responsible for the independent privacy practices, security, content, availability, or data-processing activities of third-party websites or platforms.

We encourage visitors to review applicable third-party privacy policies before submitting sensitive information.

17. Website Communications Do Not Create an Advisory Relationship

Submitting information through this website, completing an Association Financial Information Request, uploading documents, scheduling a conversation, sending an email, or participating in a preliminary discussion does not by itself create an investment advisory, brokerage, fiduciary, client, or other professional relationship.

Any formal financial-services relationship is subject to appropriate acceptance procedures, agreements, disclosures, compliance requirements, and other required documentation.

18. Children

This website is intended for adults and for individuals acting in professional, organizational, management, or Board capacities.

It is not directed to children.

HOA Wealth Advisors does not knowingly solicit personal information through this website from children under 13.

If you believe a child has improperly submitted personal information to us, contact Info@HOAwealthadvisors.com.

19. International Visitors

HOA Wealth Advisors is based in the United States and primarily operates in the United States.

If you access this website from another country, information may be transferred to, stored in, or processed in the United States.

Accessing this website from another jurisdiction does not mean HOA Wealth Advisors offers regulated financial services in that jurisdiction.

20. Changes to This Privacy Policy

HOA Wealth Advisors may update this Privacy Policy from time to time to reflect changes in our services, website technology, analytics tools, vendors, privacy practices, security practices, laws, regulations, or business operations.

The current version will be posted on this page with an updated “Last Updated” date.

Where applicable law requires additional notice or consent regarding a change, we will address that requirement as appropriate.

21. Contact Us

Questions about this Privacy Policy may be directed to:

HOA Wealth Advisors
Attention: Privacy
Email: Info@HOAwealthadvisors.com

For privacy-rights requests, please use the subject line:

Privacy Request

Do not include passwords, financial-account credentials, authentication codes, Social Security numbers, or other highly sensitive information in your initial message.

Financial-Services Privacy Notice

This Website Privacy Policy addresses HOA Wealth Advisors' website and general business privacy practices. Securities brokerage activities may be conducted through Transitional Brokers, and investment advisory activities may be conducted through Lone Peak Advisers. Clients or customers involved in regulated financial-services relationships may receive separate privacy notices governing nonpublic personal information under applicable federal and state financial-services laws and regulations.