1. INTRODUCTION

S&M Financial Solutions LLC, doing business as S&M Credit Help (“S&M,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide when you visit our website, request information, schedule a consultation, purchase a digital product, or use our services.

This Privacy Policy explains the types of information we may collect, how we use and protect that information, and the choices available to you.

2. INFORMATION WE MAY COLLECT

Depending on how you interact with us, we may collect information such as:

• Name
• Email address
• Telephone number
• Mailing address
• Information submitted through website forms
• Appointment and consultation information
• Information necessary to provide requested credit-related services
• Transaction and purchase information
• Communications you send to us by email, SMS, website chat, or other methods
• Basic website and device information, such as browser type, IP address, pages visited, and interactions with our website

We ask that you do not submit sensitive personal or financial information through unsecured website forms, email, or SMS unless specifically instructed to use a secure method.

3. HOW WE USE YOUR INFORMATION

We may use information collected from you to:

• Respond to inquiries and requests
• Schedule and manage consultations
• Provide services or digital products you request
• Communicate regarding your account, purchase, appointment, or service
• Provide customer support
• Process payments and transactions through our payment service providers
• Improve our website, services, and customer experience
• Send educational, promotional, or marketing communications when permitted by law and consistent with your communication preferences
• Maintain business records and comply with applicable legal and regulatory obligations
• Protect against fraud, misuse, or unauthorized activity

4. SMS AND EMAIL COMMUNICATIONS

If you provide your telephone number or email address and consent to receive communications, we may contact you regarding inquiries, appointments, services, educational information, or other communications consistent with the consent you provided.

You may opt out of marketing emails by using the unsubscribe option provided in those messages. You may opt out of marketing text messages by replying STOP. Message and data rates may apply.

Consent to receive marketing communications is not a condition of purchasing a product or service.

5. SMS DATA AND CONSENT

Mobile information and SMS consent information will not be sold or shared with third parties for their own marketing or promotional purposes.

We may share information with service providers that assist us in delivering communications or operating our business, solely as necessary to provide those services on our behalf and subject to appropriate restrictions.

6. SERVICE PROVIDERS

We may use third-party service providers to help operate our business, including providers for website hosting, customer relationship management, appointment scheduling, communications, payment processing, credit-related technology, analytics, and digital course delivery.

These providers may receive information necessary to perform services on our behalf. Their handling of information may also be governed by their own privacy policies and applicable agreements.

7. PAYMENT INFORMATION

Payments may be processed by third-party payment processors. S&M Credit Help does not necessarily receive or store your complete payment card information. Payment processors handle payment information according to their own security practices and privacy policies.

8. COOKIES AND WEBSITE TECHNOLOGIES

Our website may use cookies, pixels, analytics tools, and similar technologies to understand website activity, improve performance, measure advertising effectiveness, and enhance the visitor experience.

Your browser may allow you to limit or disable certain cookies. Disabling cookies may affect some website functionality.

9. HOW WE SHARE INFORMATION

We do not sell your personal information.

We may disclose information when reasonably necessary to:

• Provide services you requested
• Work with service providers operating on our behalf
• Process transactions
• Comply with applicable law, legal process, or regulatory requirements
• Protect our rights, property, customers, or business
• Prevent or investigate fraud, security incidents, or misuse

10. DATA SECURITY

We use reasonable administrative, technical, and organizational measures designed to protect personal information. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

11. DATA RETENTION

We may retain personal information for as long as reasonably necessary to provide services, maintain business and transaction records, comply with legal obligations, resolve disputes, and enforce agreements.

12. YOUR PRIVACY CHOICES

You may contact us to request that we update or correct certain personal information we maintain about you, or to ask questions about how your information is handled.

Certain records may need to be retained when required for legitimate business, contractual, regulatory, or legal purposes.

13. THIRD-PARTY LINKS

Our website may contain links to websites or services operated by third parties. We are not responsible for the privacy practices or content of third-party websites. We encourage you to review their privacy policies before providing personal information.

14. CHILDREN'S PRIVACY

Our services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13 through this website.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. Changes will be reflected by updating the “Last Updated” date displayed at the top of this page.

16. CONTACT US

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

S&M Financial Solutions LLC
d/b/a S&M Credit Help
Florida, United States

smcreditr@gmail.com

321-333-4890