This Privacy Policy describes how Cheryl Patrick Williams, operating as The Smart Money Coach ("we," "us," or "our"), collects, uses, and protects the information you provide through our website at thesmartmoneycoach.com and related communications. By using our website or submitting your information, you agree to the practices described below.
Information We Collect
We collect information you provide directly to us, such as when you submit a form, request a call, or contact us by phone or email. This may include your name, email address, mobile phone number, and any details you share about your goals and financial interests. We may also collect limited technical information automatically, such as your device type and general usage of the site, to help us operate and improve it.
How We Use Your Information
We use the information you provide to respond to your inquiries, schedule and confirm appointments, provide the financial education and product information you request, and follow up regarding our services and the business opportunity. We use your information only for the purposes for which you provided it and as described in this policy.
Text Messaging (SMS) Program
If you provide your mobile phone number and check the applicable consent box on our forms, you agree to receive text messages from Cheryl Patrick Williams (The Smart Money Coach). Marketing messages may include insurance product information, appointment scheduling, and financial strategy updates. Non-marketing messages may include appointment confirmations, reminders, and service updates. Message frequency varies. Message and data rates may apply.
Your consent to receive text messages is optional and is not a condition of any purchase or service. You may opt out of text messages at any time by replying STOP to any message. For help, reply HELP or contact us using the details below.
SMS Opt-In Data Sharing Policy
The Smart Money Coach (Cheryl Patrick Williams) does not sell, rent, trade, or share your SMS opt-in data or phone number with any third party for marketing or promotional purposes. This prohibition applies to all affiliates, partners, lead generation companies, and data brokers. The only permitted sharing of your phone number is with our contracted SMS platform provider, solely for the technical delivery of messages you have consented to receive.
How We Share Information
We do not sell your personal information. We may share information with trusted service providers who help us operate our business, such as our customer relationship management platform and our text messaging provider, and only to the extent necessary for them to perform services on our behalf. We may also disclose information if required by law or to protect our legal rights. As stated above, mobile opt-in data and phone numbers are never shared with third parties or affiliates for marketing purposes.
Your Choices
You may opt out of marketing communications at any time. To stop text messages, reply STOP. To stop marketing emails, use the unsubscribe link or contact us directly. You may also request that we update or delete the personal information we hold about you by contacting us using the information below.
Data Security
We take reasonable administrative and technical measures to protect the information you provide against unauthorized access, disclosure, or misuse. No method of transmission over the internet is completely secure, so we cannot guarantee absolute security.
Children's Privacy
Our services are intended for adults. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can remove it.
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. We encourage you to review this policy periodically.
Contact Us
If you have questions about this Privacy Policy or how we handle your information, contact us at:
Cheryl Patrick Williams, The Smart Money Coach
Phone: 707-280-8349
Email: Cheryl@thesmartmoneycoach.com