Privacy Policy

1. Information We Collect

Depending on how you interact with our services, we may collect the following types of information:

Personal Information

• Name, email address, phone number, and physical address
• Payment information when you make a purchase or request a quote
• Opt-in records and timestamps for communication channels, including SMS and email

Non-Personal Information

• IP address, browser type, and device information
• Website usage patterns and analytics
• Cookies and similar technologies used by our service providers

Customer Communication

• Records of inquiries and service requests, including information submitted through our chat widget
• Appointment details and preferences
• Service history and feedback

The consultation worksheet generates a downloadable file in your browser; its entries are not submitted to SMRJ Consulting or stored in a website database. Investment calculator inputs are also processed in your browser. Information you submit through the third-party chat widget is separate from these local tools and may be processed by our messaging service provider to respond to your inquiry.

2. How We Use Your Information

• Providing and improving our services
• Processing transactions and payments
• Communicating with you about inquiries, appointments, and promotions where you have consented
• Enhancing website functionality and user experience
• Ensuring security and fraud prevention
• Maintaining records of communication preferences and consent

3. SMS Messaging & Compliance

Text Message Program Terms & Conditions

By opting into our SMS messaging services, you agree to receive text messages related to our services, including appointment reminders, customer support, and important updates. Using the website or downloading a consultation brief does not enroll you in SMS messages.

Opt-In & Consent

• You will only receive messages if you have explicitly opted in
• We maintain timestamped records of opt-in actions
• We comply with the Telephone Consumer Protection Act (TCPA) and applicable laws

Opt-Out Instructions

• Cancel SMS notifications at any time by replying "STOP"
• You will receive a final confirmation message, and no further messages will be sent unless you re-opt in
• Opt-out requests are processed immediately

Message Frequency & Content

• Message frequency varies based on your interactions with our business
• Messages relate directly to the services you have requested
• We do not send promotional content without specific consent

Help & Support

• Reply "HELP" for assistance or contact smrjconsulting@gmail.com
• Customer support is available during regular business hours

Carrier Information

• Standard message and data rates may apply
• Carriers are not liable for delayed or undelivered messages
• Supported carriers include AT&T, Verizon, T-Mobile, and most regional carriers

SMS Data Protection Statement

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, except aggregators and providers solely to deliver the text messaging services you have consented to receive. We use data protection measures to safeguard SMS opt-in information and consent records.

4. Information Sharing & Disclosure

We do not sell, rent, or trade personal information. We may share information with:

Service Providers

• Third-party vendors who assist in our operations, such as payment processing, chat support, and appointment scheduling
• SMS aggregators and providers solely to deliver messages you have consented to receive
• Service providers are required to maintain confidentiality and security

Legal Compliance

• When required by law or legal process, or to protect our rights
• In response to valid law enforcement requests or court orders

Business Transfers

• In case of mergers, acquisitions, or sale of assets
• In such cases, your data remains protected under the terms of this policy

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the text message services.

5. Data Security

We use reasonable administrative, technical, and organizational safeguards appropriate to the information we handle. These measures may include encryption, access controls, authentication, security updates and assessments, employee training, backups, recovery procedures, and breach notification protocols as required by applicable law.

No method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially acceptable means to protect your personal information but cannot guarantee absolute security. Please do not submit account passwords, Social Security numbers, payment card numbers, or account access credentials through the worksheet or chat.

6. Cookies & Tracking Technologies

Our website and third-party service providers, including the chat widget and hosting provider, may use cookies or similar technologies to:

• Analyze site traffic and user behavior
• Remember preferences
• Improve website functionality and user experience
• Measure the effectiveness of our services

You may control cookies through your browser settings. Disabling cookies may limit certain website features.

7. Your Rights & Choices

Subject to applicable law, you may:

• Request access to, correction of, or deletion of your personal information
• Opt out of marketing emails by clicking "unsubscribe" in our emails
• Opt out of SMS messages by replying "STOP"
• Request information on how we process your data
• Withdraw consent at any time for future communications
• Lodge a complaint with a supervisory authority if you believe your rights have been violated

To exercise these rights, contact us using the information in Section 10.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies. This privacy policy applies only to information collected by SMRJ Consulting.

9. Changes to This Privacy Policy

We may update this policy periodically. The latest version will always be available on our website with the effective date. For significant changes, we will notify you by email or through a notice on our website.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, contact us at:

By using our website and services, you consent to this Privacy Policy.