Privacy Policy

Effective date: May 26, 2023
Watercolor Financial, Inc. (d/b/a Novart) (“Novart”, “we”, “us”, or “our”) respects your privacy and is committed to protecting it as set forth in this privacy policy (“Privacy Policy”). This Privacy Policy applies to personal data collected on our webpage located at (the “Webpage”). This Privacy Policy describes our privacy practices in connection with our Webpage, including the personal data we collect, our online tracking, how we use personal data, who we may disclose personal data to, your personal data choices, our personal data safeguards, and our contact information. By using the term “personal data” in this Privacy Policy, we mean any information that can be used to identify you.
Changes to Our Privacy Policy
We may change this Privacy Policy at any time. The most recent version of the Privacy Policy is reflected by the effective date at the top of this Privacy Policy. All amendments to this Privacy Policy will be effective immediately upon providing notice thereof, which we may give by any means, including by posting a revised version of the Privacy Policy on the Webpage.
Personal Data Collection
Novart collects personal data that you submit through the Webpage. This includes the following categories of personal data:
  • Name;
  • E-mail address; and
  • Any other personal data you may choose to provide to us through the Webpage.
Personal Data Use
Novart uses the personal data we collect for the following purposes:
  • Providing our products and services to you;
  • Operating and providing the Webpage;
  • Improving our Webpage, products, services, user experience, and our business;
  • Security purposes, including monitoring, risk assessment, addressing integrity and security issues related to the Webpage, and fraud and crime prevention/detection;
  • Sending information that you request from us, including responding to inquiries or requests for information about or from us;
  • Sending promotional, marketing, or advertising materials;
  • Other business purposes, including, without limitation, verifying your identity, investigating complaints about the Webpage, and dispute resolution;
  • Complying with law enforcement, government agencies, or a governmental mandate;
  • Complying with or as permitted by any Novart policies and any applicable legal requirements; and
  • Engaging in other activities discussed under this Privacy Policy or by Novart in its discretion.
Personal Data Disclosure
Novart may disclose your personal data to our affiliates, subsidiaries, business partners, or service providers for the purposes set out in this Privacy Policy. We may also disclose your personal data to professional advisors, such as lawyers, auditors, bankers, and insurers, in the course of the professional services they render to us. We may also disclose personal data to third parties if we are legally required to disclose personal data, to establish or exercise our legal rights, to assert or defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.
It is possible that we may disclose personal data to another organization in connection with a merger, asset sale, financing, liquidation, bankruptcy, or dissolution during the course of such transaction
Personal Data Choices
You have the choice to decide whether you submit personal data through our Webpage. If you provide us with your e-mail address to us through the Webpage, Novart may send you e-mails with more information regarding our products and services and promotional offers. If you would no longer like to receive e-mails from us, please unsubscribe by following the directions for unsubscribing in any such email you may receive from us.
Personal Data Safeguards
Novart takes commercially reasonable measures to protect the personal data collected on the Webpage from unauthorized or illegal access, modification, use, or destruction. We restrict access to such personal data to employees, contractors, and agents who need to know such information and only to third parties as described in the “Personal Data Disclosure” section of this Privacy Policy. Nevertheless, no security system, website, or webpage is impenetrable. We cannot guarantee that your personal data will be secure.
Personal Data Retention
Novart will only keep your personal data for so long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is permitted or required by law (such as tax, accounting, or other legal requirements).
Children’s Personal Data
Our Webpage is intended for a general audience and is not intended for use by children under 13 years of age. We do not knowingly collect information about children or sell products to children. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13.
Visiting the Webpage From Outside the United States
Our Webpage is intended for users in the United States. If you are visiting the Webpage from outside of the United States, your personal data may be transferred to, stored and processed in the United States. The data protection and other laws of the United States may not be as comprehensive as those in your country. By using any portion of the Webpage, you consent to the transfer of your personal data to our servers and databases in the United States and those third parties with whom we share such personal data as described in this Privacy Policy.
Contact Us
If you have any questions regarding this Privacy Policy or our privacy practices, please contact us at