Privacy Policy

1. Introduction

Common Cents Financial LLC ("we," "our," or "us") is committed to protecting the privacy of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at common-cents-financial.com or engage with our services. Please read this policy carefully. By using our website or services, you consent to the practices described herein.

2. Information We Collect

Personal Information You Provide: When you contact us, schedule a consultation, or use our services, we may collect your name, email address, phone number, mailing address, and financial information relevant to our advisory services.

Automatically Collected Information: We may automatically collect certain information when you visit our website, including your IP address, browser type, operating system, referring URLs, access times, and pages viewed.

Cookies and Tracking: Our website may use cookies and similar tracking technologies to enhance your experience. You may disable cookies through your browser settings, though some features may not function properly.

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our financial advisory services
• Respond to your inquiries and fulfill your requests
• Send administrative information, updates, and service-related communications
• Comply with legal and regulatory requirements
• Protect against fraudulent, unauthorized, or illegal activity
• Analyze website usage to improve our online experience

4. SMS/Text Messaging Policy

• You may receive appointment reminders, service updates, and responses to your inquiries via SMS
• Message frequency varies based on your interactions with us
• Message and data rates may apply depending on your carrier and plan
• You can opt out at any time by replying STOP to any text message
• For help, reply HELP or contact us at jessica@common-cents-financial.com
• We will not share your phone number or SMS opt-in data with third parties for marketing purposes
• Consent to receive text messages is not a condition of purchasing any services

Supported carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Service may not be available on all carriers.

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in operating our business (e.g., email hosting, appointment scheduling), subject to confidentiality agreements
• Legal Requirements: When required by law, regulation, legal process, or governmental request
• Protection: To protect the rights, property, or safety of Common Cents Financial LLC, our clients, or others
• Consent: With your express consent for any other purpose

6. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, alteration, and disclosure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Rights and Choices

You have the right to:

• Access and review the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time
• Opt out of text messages by replying STOP

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: