PRIVACY POLICY AND TERMS AND CONDITIONS
1. PRIVACY POLICY
1.1 Introduction
This Privacy Policy describes how we collect, use, process, and disclose your information, including personal information, in conjunction with your access to and use of our website and services. By accessing or using our website, you consent to the collection, transfer, manipulation, storage, disclosure, and other uses of your information as described in this Privacy Policy.
1.2 Information Collection and Use
We collect several types of information from and about users of our website, including:
Personal information that you voluntarily provide when using our website, such as name, email address, and contact information.
Information about your internet connection, the equipment you use to access our website, and usage details.
Information collected through cookies, web beacons, and other tracking technologies.
1.3 Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with small amounts of data which may include an anonymous unique identifier. We use the following types of cookies:
Essential Cookies: Necessary for the website to function properly.
Analytical/Performance Cookies: Allow us to recognize and count the number of visitors and see how visitors move around our website.
Functionality Cookies: Enable us to personalize content for you.
Targeting Cookies: Record your visit to our website, the pages you have visited, and the links you have followed. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our website.
1.4 SMS/Text Messaging Communications
You opt in to receive SMS messages by voluntarily providing your phone number on our appointment booking page and explicitly agreeing to receive text messages. By providing your phone number, you consent to receive SMS/text messages from Reframed Financial Coaching, LLC related to appointment reminders, event notifications, and account-related updates. Message frequency varies based on your interactions with us (e.g., booking a session or registering for an event). Message and data rates may apply.
You may opt out of receiving text messages at any time by replying STOP to any message you receive. For assistance, reply HELP or contact us at prea.epps@reframedfinancialcoaching.com.
We do not share, sell, or disclose your mobile phone number or SMS opt-in consent to any third party or affiliate for their marketing purposes. Text messaging originator opt-in data and consent are not shared with third parties for any purpose.
Carrier fees and charges may apply. Message delivery is subject to effective transmission from your wireless provider and is not guaranteed.
1.5 Email Communications
If you opt in to receive marketing communications from us, we may use your personal information to send you newsletters, promotions, and other information that may be of interest to you. You can opt out of receiving any, or all, of these communications from us by following the unsubscribe instructions provided in any email we send or by contacting us.
1.6 Data Security
We implement appropriate technical and organizational measures to protect the security of all personal information we process. However, no method of transmission over the Internet or method of electronic storage is 100% secure.
1.7 Third-Party Disclosure
We do not sell, trade, or otherwise transfer your personal information to outside parties without your consent, except as described in this Privacy Policy.
1.8 Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.
2. TERMS AND CONDITIONS
2.1 Acceptance of Terms
By accessing or using our website, you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this website.
2.2 SMS Messaging Program
Reframed Financial Coaching, LLC operates an SMS text messaging program to send appointment reminders, event notifications, and account-related updates to users who have opted in. Message types include appointment/event reminders and account notifications. Message frequency varies based on your interactions with us.
Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message.
Support: For help, reply HELP to any message, or contact us at prea.epps@reframedfinancialcoaching.com.
Message & Data Rates: Message and data rates may apply. Message delivery is subject to your wireless carrier's network and is not guaranteed.
Carrier Liability: Carriers are not liable for delayed or undelivered messages.
Age Restriction: You must be at least 18 years old to opt in to receive SMS messages from us.
For more information on how we collect and use your information, please see our Privacy Policy.
2.3 Intellectual Property Rights
The content, features, and functionality of our website are owned by us and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
2.4 User Conduct
You agree not to:
Use our website in any way that violates any applicable federal, state, local, or international law or regulation.
Use our website to transmit or send unsolicited commercial communications.
Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website. • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website.
2.5 Limitation of Liability In no event shall we, our directors, officers, employees, agents, partners, or suppliers be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.
2.6 Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
2.7 Changes to Terms
We reserve the right to modify or replace these Terms and Conditions at any time. It is your responsibility to check these Terms and Conditions periodically for changes.
2.8 Contact Information
Questions about the Terms and Conditions should be sent to us at Reframed Financial Coaching, LLC