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Privacy Policy

Privacy Policy

Effective Date: 2025-08-25

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CMI Financial Group Ltd. (“CMI,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information of our customers, investors, and partners. This Privacy Policy explains how we collect, use, store, protect, and share your information in compliance with applicable laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and other federal and state privacy regulations.

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1. Information We Collect

We may collect the following categories of personal information when you interact with us, apply for credit, or use our services:

  • Personal Identifiers: Name, address, email, phone number, date of birth, Social Security Number (SSN), and government-issued identification.

  • Financial Information: Income, assets, liabilities, credit history, bank account details, tax records, and investment profile.

  • Transaction Information: Loan applications, investment transactions, payment history, account activity, and servicing records.

  • Digital Information: Website usage data, IP addresses, browser type, cookies, and online identifiers when you use cmifgglobal.com.

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2. How We Use Your Information

Your information may be used to:

  • Evaluate credit applications and investment suitability.

  • Process transactions, service accounts, and maintain accurate records.

  • Comply with legal and regulatory obligations, including anti-fraud and anti-money laundering requirements.

  • Conduct internal analytics to improve our services.

  • Communicate with you about your accounts, transactions, and offers relevant to your relationship with us.

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3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

  • With Affiliates: For servicing, account management, or marketing related to financial products consistent with applicable law.

  • With Service Providers: To trusted vendors who perform services on our behalf (e.g., payment processors, IT providers, compliance partners), subject to strict confidentiality obligations.

  • For Legal Reasons: To comply with subpoenas, court orders, or lawful regulatory requests.

  • For Credit Reporting: As permitted under the Fair Credit Reporting Act (FCRA), to credit bureaus and agencies in connection with applications, account servicing, or collections.

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4. Data Security

Protecting your information is a top priority. We maintain an information security program that complies with federal law and industry best practices. Our safeguards include:

  • Encryption: Sensitive information is encrypted during transmission and storage.

  • Access Controls: Personal data is restricted to employees and service providers with a legitimate business need.

  • Physical Security: Secure facilities, locked storage, and controlled access to servers and offices.

  • Monitoring & Testing: Continuous monitoring of systems, firewalls, intrusion detection, and periodic penetration testing.

  • Vendor Oversight: Service providers must meet strict data security and confidentiality standards.

  • Incident Response: A formal program for detecting, responding to, and mitigating data breaches or unauthorized access.

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We regularly review and update our security measures to respond to emerging threats and maintain compliance with the GLBA Safeguards Rule.

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5. Your Privacy Rights

Depending on applicable state and federal law, you may have rights to:

  • Request access to your personal information we maintain.

  • Request corrections to inaccurate data.

  • Limit the sharing of your information for marketing purposes.

  • Opt-out of receiving promotional communications from us.

To exercise your rights, please contact us at the details below.

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6. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect or maintain information from children.

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7. Changes to This Policy

We may update this Privacy Policy periodically. Any material changes will be posted on this page with a revised effective date.

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8. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or our data security safeguards, please contact us at:

CMI Financial Group Ltd.
150 Alhambra Circle
Coral Gables, Florida, 33134
(888) 465-1432

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