SMG Smart Money Group Privacy Policy

Last Updated: [Insert Date]

At SMG Smart Money Group (“SMG,” “we,” “our,” or “us”), we are committed to protecting the privacy and security of our clients and visitors. This Privacy Policy outlines how we collect, use, store, and share your personal information when you use our credit enhancement services or visit our website. By engaging with our services or accessing our website, you agree to the terms of this policy.

1. Information We Collect

In the course of providing our services, SMG may collect the following types of personal information:

• Personal Identification Information: Name, address, email address, phone number, date of birth, Social Security number (SSN), and government-issued ID.

• Credit Information: Credit reports, credit scores, financial history, and other related data.

• Payment Information: Billing details such as credit/debit card numbers or bank account information.

• Communication Records: Correspondence between you and SMG, including emails, phone calls, or other communications.

• Technical Information: Data from cookies, web beacons, or similar tracking technologies, such as IP address, browser type, device information, and usage statistics.

2. How We Use Your Information

SMG uses the personal information we collect to:

• Provide and deliver credit enhancement services.

• Analyze your credit history and develop strategies to improve your credit standing.

• Communicate with you about your account, services, and updates.

• Process payments and manage billing.

• Respond to your inquiries or requests for assistance.

• Comply with legal and regulatory obligations.

3. How We Share Your Information

We value your privacy and will never sell or rent your personal information to third parties. However, in certain circumstances, we may share your information with trusted third parties, including:

• Credit Reporting Agencies: For the purpose of accessing and disputing information on your credit report.

• Service Providers: Companies that assist us in delivering our services, such as payment processors, IT service providers, and data storage vendors.

• Legal or Regulatory Authorities: As required by law, to comply with legal obligations, or to protect SMG’s legal rights or interests.

• Business Transfers: If SMG undergoes a merger, acquisition, or asset sale, your information may be transferred as part of the transaction.

4. How We Protect Your Information

We take the security of your personal information seriously. SMG implements a variety of physical, technical, and administrative safeguards to protect your data from unauthorized access, disclosure, or misuse. These measures include:

• Data encryption

• Secure data storage systems

• Access controls and authentication processes

• Regular security audits and monitoring

Despite our efforts, no method of data transmission over the internet or electronic storage is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

5. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• Access and Correction: You can request access to your personal information and correct inaccuracies.

• Data Deletion: You may request that we delete your personal information, subject to legal and contractual obligations.

• Opt-Out: You can opt out of receiving marketing communications from SMG at any time by following the unsubscribe instructions in our emails or by contacting us directly.

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and collect information about how you use our site. Cookies are small text files placed on your device that help us track user activity, improve website functionality, and analyze site usage. You can adjust your browser settings to block cookies or alert you when cookies are being used, but doing so may limit your ability to use certain features of our website.

7. Third-Party Links

SMG may include links to third-party websites or services in our communications or on our website. These third parties have separate and independent privacy policies. We are not responsible for the content or privacy practices of such websites, and we encourage you to review their policies before interacting with them.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we discover that a minor has provided us with personal information without parental consent, we will take steps to delete such information promptly.

9. Changes to This Privacy Policy

SMG reserves the right to update or modify this Privacy Policy at any time. Any changes will be effective immediately upon posting on our website. We encourage you to review this policy periodically to stay informed about how we are protecting your information. Your continued use of our services after any changes constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions or concerns regarding this Privacy Policy, or if you wish to exercise your privacy rights, please contact us at:

SMG Smart Money Group
Email: [Insert Email]
Phone: [Insert Phone Number]
Address: [Insert Address]

This Privacy Policy is designed to ensure transparency about how SMG Smart Money Group collects, uses, and protects client information. Be sure to update and maintain this document to reflect any changes in your privacy practices or legal requirements.

PRIVACY POLICY

 

WHAT DO WE DO WITH YOUR INFORMATION?

When you purchase something from our store, as part of the buying and selling process, we collect the personal information you give us such as your name, address and email address. 

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When you browse our store, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

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Email marketing (if applicable): With your permission, we may send you emails about our store, new products and other updates. 

 

CONSENT

How do you get my consent?

When you provide us with personal information to complete a transaction, verify your credit card, place an order, arrange for a delivery or return a purchase, we imply that you consent to our collecting it and using it for that specific reason only.

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If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no. 

 

DISCLOSURE

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service. 

 

 

Payment

If you choose a direct payment gateway to complete your purchase, then Godaddy stores your credit card data. It is encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary to complete your purchase transaction. After that is complete, your purchase transaction information is deleted.

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All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. 

PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.

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For more insight, you may also want to read Shopify Terms of Service here or Privacy Statement here.

 

THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us. 

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However, certain third-party service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

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For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers. 

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In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

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As an example, if you are located in Canada and your transaction is processed by a payment gateway located in the United States, then your personal information used in completing that transaction may be subject to disclosure under United States legislation, including the Patriot Act.

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Once you leave our store’s website or are redirected to a third-party website or application, you are no longer governed by this Privacy Policy or our website’s Terms of Service. 

 

Text Marketing and notifications

By entering your phone number in the checkout and initializing a purchase, subscribing via our subscription form or a keyword, you agree that we may send you text notifications (for your order, including abandoned cart reminders) and text marketing offers. Text marketing messages will not exceed a month. You acknowledge that consent is not a condition for any purchase.

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If you wish to unsubscribe from receiving text marketing messages and notifications reply with STOP to any mobile message sent from us or use the unsubscribe link we provided you with in any of our messages. You understand and agree that alternative methods of opting out, such as using alternative words or requests will not be accounted as a reasonable means of opting out. Message and data rates may apply.

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For any questions please text HELP to the number you received the messages from. You can also contact us for more information. If you wish to opt out please follow the procedures above.

 

Links

When you click on links on our store, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

 

SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

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If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with a AES-256 encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS requirements and implement additional generally accepted industry standards.

 

 

AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

 

CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our store is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to sell products to you.

 

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information contact our Privacy Compliance Officer at info@businesswithsmg.com