Privacy Policy

When you work with Octus Financial, we collect information you share with us, including:

• Personal identification: Name, address, email, phone number, date of birth, Social Security number
• Employment and federal service details: Agency, position, years of service, salary history, leave and earnings statements
• Financial information: FERS or CSRS pension details, TSP account statements, Social Security records, FEGLI coverage, investment accounts, bank information, income, debts, and assets
• Health information (limited): Information relevant to life insurance planning or survivor benefit elections
• Goals and preferences: Retirement timeline, risk tolerance, spending needs, and legacy planning objectives

We collect this information through initial consultation forms, documents you upload or email to us, phone calls and video meetings, and secure file-sharing platforms.

When you visit our website, we automatically collect usage data (pages visited, time spent, browser type, device information), IP address and general location data, and cookies and tracking technologies. You can control cookies through your browser settings.

• Build customized retirement strategies for your FERS, TSP, Social Security, and survivor benefits
• Calculate optimal retirement dates and benefit claiming strategies
• Analyze FEGLI coverage and recommend alternatives when appropriate
• Coordinate tax strategies and withdrawal planning
• Provide ongoing coaching and plan adjustments

• Respond to inquiries and schedule consultations
• Send account updates, planning recommendations, and educational content
• Deliver requested documents, reports, and analysis

• Maintain records as required by securities regulations and tax laws
• Respond to legal requests, court orders, or government investigations
• Prevent fraud, money laundering, and other illegal activities

We may share your information with technology providers (secure document storage, financial planning software, CRM systems), payment processors for billing, professional advisors (attorneys, accountants, compliance consultants), and insurance carriers (only when you request quotes or applications). All third-party service providers are bound by confidentiality agreements.

We may share information with government agencies and regulators when required by law, law enforcement in response to valid legal requests, and courts in response to subpoenas or court orders.

In the event of a merger, acquisition, or sale of our business, your information may be transferred to the acquiring entity. You will be notified of any such change.

• Encryption: All sensitive data is encrypted both in transit (SSL/TLS) and at rest
• Secure servers: Data is stored on secure, password-protected servers with restricted access
• Access controls: Only authorized team members can access your information, and access is logged
• Regular security audits: We review and update our security practices regularly

While we take reasonable steps to protect your information, no internet transmission or electronic storage method is 100% secure. We cannot guarantee absolute security.

• Active clients: As long as you remain our client and for the period required by law
• Former clients: Typically 7 years after the end of our relationship, as required by financial services regulations
• Marketing contacts: Until you opt out or request deletion

You have the right to request a copy of the personal information we hold about you, request correction of inaccurate or incomplete information, and request deletion of your personal information (subject to legal retention requirements).

You may unsubscribe from marketing emails at any time using the unsubscribe link in any email, or contact us directly to opt out of phone or mail marketing.

If you are a California resident, you have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete personal information, the right to opt out of the sale of personal information (note: we do not sell personal information), and the right to non-discrimination for exercising your privacy rights.

Cookies are small text files stored on your device when you visit our website. We use essential cookies (required for website functionality), analytics cookies (to understand how visitors use our site), and preference cookies (to remember your settings). You can control cookies through your browser settings. Disabling cookies may limit some website features.

Our website may contain links to third-party websites (e.g., OPM.gov, TSP.gov, SSA.gov). We are not responsible for the privacy practices of these sites. We encourage you to review their privacy policies before providing any information.

Our services are not directed to individuals under 18. We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it promptly.

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a new "Last Updated" date. For material changes, we will notify you by email or prominent notice on our website.