Privacy Policy

Investment Risk Journal ("we," "our," "us") provides information and referrals related to loans, insurance, digital payments, investments, home warranty and debt relief services within the United States. This policy explains how we collect, use and protect the personal and financial information you share with us.

1. Information We Collect

• Contact details such as name, email address and phone number.
• Financial information you voluntarily submit for product matching, such as income range, loan purpose, or insurance needs.
• Technical data including IP address, browser type and pages visited, collected via cookies.

2. How We Use Your Information

• To match you with relevant financial products and licensed partners.
• To respond to inquiries submitted through our contact form or newsletter.
• To meet recordkeeping obligations under applicable U.S. financial regulations.

3. Sharing of Information

We do not sell personal financial data. Information may be shared with licensed lending, insurance or investment partners solely to fulfil a request you initiated, and with service providers who help us operate this website, bound by confidentiality obligations.

4. Data Security

We apply industry-standard administrative and technical safeguards to protect the data you share with us. No online transmission is ever completely secure, and we encourage clients to avoid sending sensitive account numbers over unsecured channels.

5. Your Rights

You may request access to, correction of, or deletion of your personal information at any time by contacting info@investmentriskjournal.info. Residents of certain states may have additional rights under state privacy law, including the right to opt out of certain data sharing.

6. Cookies

This site uses cookies to remember preferences and understand site usage. You can disable cookies through your browser settings; some features may not function correctly without them.

7. Contact

Questions about this policy can be sent to info@investmentriskjournal.info or mailed to 136 Madison Avenue, New York City, NY 10016.

Terms & Conditions

By accessing or using the Investment Risk Journal website, you agree to the following terms. Please read them carefully before submitting any request or application through this site.

1. Nature of Services

Investment Risk Journal operates as an independent referral and information platform covering loans, insurance, digital payments, investments, home warranty and debt relief products. We are not a bank, insurer or registered investment advisor; final approval, pricing and terms for any product are determined solely by the licensed partner institution involved.

2. Eligibility

Our services are intended for individuals who are at least 18 years of age and reside in the United States. Submitting a request confirms that the information you provide is accurate and that you are authorized to provide it.

3. No Guarantee of Approval

Referral to a lender, insurer or financial partner does not guarantee approval, a specific rate, or acceptance of any application. All products are subject to the underwriting standards of the providing institution.

4. Not Financial or Legal Advice

Content on this site is provided for general informational purposes only and does not constitute financial, legal, tax or investment advice. You should consult a licensed professional before making financial decisions.

5. Intellectual Property

All text, graphics and design elements on this site are the property of Investment Risk Journal or its licensors and may not be reproduced without written permission.

6. Limitation of Liability

Investment Risk Journal shall not be held liable for any indirect, incidental or consequential damages arising from use of this website or reliance on information contained within it.

7. Changes to These Terms

We may update these terms periodically. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

8. Governing Law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

9. Contact

For questions regarding these terms, contact info@investmentriskjournal.info or write to 136 Madison Avenue, New York City, NY 10016.