PRIVACY POLICY

Effective Date: March 1, 2026
SM Elite Financial Readiness, LLC

SM Elite Financial Readiness, LLC (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

By using this website, you agree to the terms outlined below.

1. Information We Collect

We may collect the following types of information:

A. Personal Information

When you voluntarily provide it through forms, purchases, consultations, or scheduling, including:

  • Full name

  • Email address

  • Phone number

  • Mailing address

  • Payment information

  • Financial readiness information you choose to share

  • Credit-related information provided for educational consultation purposes

B. Automatically Collected Information

When you visit our website, we may collect:

  • IP address

  • Browser type

  • Device type

  • Pages visited

  • Time spent on pages

  • Cookies and tracking technologies

2. How We Use Your Information

We use collected information to:

  • Provide financial readiness consultations and educational services

  • Process payments

  • Schedule consultations

  • Respond to inquiries

  • Deliver digital products and resources

  • Improve website performance

  • Send marketing communications (if you opt in)

  • Comply with legal and regulatory obligations

3. Financial & Credit Education Disclaimer

SM Elite Financial Readiness, LLC provides financial readiness education and consulting services only.

We:

  • Do NOT guarantee credit score increases

  • Do NOT remove accurate, verified information from credit reports

  • Do NOT provide legal advice

  • Do NOT act as a credit repair organization under federal law

All strategies provided are educational in nature and based on publicly available consumer rights under applicable laws, including the Fair Credit Reporting Act (FCRA).

4. Payment Processing

Payments are processed through secure third-party providers. We do not store full credit card information on our servers.

By purchasing services, you agree to our pricing structure and refund policy as stated on the website.

5. Sharing of Information

We do not sell, rent, or trade your personal information.

We may share information only:

  • With secure service providers (payment processors, scheduling software, email systems)

  • If required by law

  • To protect our legal rights

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no online transmission is 100% secure.

You provide information at your own risk.

7. Your Rights

You may:

  • Request access to your data

  • Request correction of inaccurate information

  • Opt out of marketing communications

  • Request deletion of personal data (subject to legal retention requirements)

To exercise these rights, contact us at:
📧 Info@smelitefinancialreadiness.com
📞 678-210-1980

8. Cookies & Tracking

Our website may use cookies to enhance user experience and analyze traffic.

You may disable cookies in your browser settings.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

10. Faith-Based Business Statement

SM Elite Financial Readiness, LLC operates as a faith-based business grounded in integrity, stewardship, and biblical financial principles. However, services are available to all individuals regardless of faith background.

11. Children’s Privacy

Our services are not directed toward individuals under the age of 18. We do not knowingly collect personal information from minors.

12. Updates to This Policy

We reserve the right to update this Privacy Policy at any time. Updates will be posted with a revised effective date.

13. Contact Information

SM Elite Financial Readiness, LLC
Newnan, Georgia
📧 Info@smelitefinancialreadiness.com
📞 678-210-1980