PRIVACY POLICY & SMS TERMS

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers’ need and desire to preserve their privacy and confidentiality. Safeguarding our customers’ privacy is very important to us, and we have adopted standards designed to protect the confidentiality of nonpublic personal information.

This Privacy Policy explains what information we collect, how we use it, and how we protect it, including information related to SMS communications.

Information We Collect

We may collect nonpublic personal information about you as necessary to conduct business, including but not limited to:

• Information you provide directly to us through applications, website forms, phone calls, emails, text messages, or in-person meetings.
  Examples include your name, address, email address, telephone number, Social Security number, credit history, and other financial information.
• Information about your transactions with us or others, such as payment histories, account balances, and account activity.
• Information from consumer reporting agencies, including credit scores, credit reports, and related creditworthiness information.
• Information from employers or third parties used to verify information you have provided, such as employment, income, or deposit verification.

How We Use Your Information

We use the information we collect to:

• Respond to inquiries and provide requested services
• Process applications and transactions
• Communicate with you regarding your account, services, or requests
• Deliver informational, conversational, or promotional communications (including SMS, if you opt in)
• Comply with legal, regulatory, and contractual obligations

SMS Communications & Mobile Opt-In

If you opt in to receive SMS messages, we may send you conversational, informational, or promotional text messages, including but not limited to:

• Application or account updates
• Appointment reminders
• Status notifications
• Educational or informational messages
• Promotional or marketing messages (if applicable)

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP.
For assistance, reply HELP.

Important SMS Privacy Statement

No mobile opt-in or text message consent will be shared with third parties or affiliates.

Your SMS consent is used solely for communication between you and our business and is never sold, rented, or shared.

Information We Disclose

We treat all customer information as confidential.

We do not sell, rent, or share your personal information with third parties, except:

• As necessary to provide requested services
• With related service providers who assist in business operations and are contractually obligated to maintain confidentiality
• As required by law, regulation, or legal process

By submitting data through our website, you provide explicit consent to the transmission and use of that data as described in this Privacy Policy.

Data Security

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information. Access to customer information is restricted to authorized employees who are required to follow strict confidentiality and data protection policies.

Third-Party Websites

Our website may contain links to third-party websites not governed by this Privacy Policy. We are not responsible for the privacy practices or content of those websites.

Changes to This Policy

We reserve the right to amend this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us directly.