Privacy Policy

SMG Financial Solutions respects the privacy of individuals seeking financial education, coaching support, and related services. This Privacy Policy explains how information may be collected, used, stored, and protected when visitors interact with this website or related services.

Information Collected

Information may be collected voluntarily through:

Contact forms
Scheduling requests
Email communications
Download requests
Newsletter or educational sign-ups
Direct communications through the website

Information collected may include:

Name
Email address
Phone number
General inquiry information
Appointment details
Basic demographic or service-related information voluntarily provided by the user

Certain technical information may also be collected automatically through website technologies, including:

IP address
Browser type
Device information
Pages visited
Website interaction data
Cookies or analytics information

How Information Is Used

Information collected may be used for purposes including:

Responding to inquiries
Scheduling appointments or consultations
Providing educational services or requested materials
Delivering requested resources
Improving website functionality and user experience
Maintaining internal business records
Complying with legal or operational obligations

SMG Financial Solutions does not sell personal information to unrelated third parties.

Third-Party Services

This website may use third-party platforms or service providers to support business operations, including:

Website hosting providers
Scheduling platforms
Email communication services
Payment processors
Analytics services

These third-party providers may process limited information necessary to perform their services. SMG Financial Solutions does not control the privacy or security practices of external providers.

Users are encouraged to review the privacy policies of any third-party services they interact with through this website.

Cookies and Website Technologies

This website may use cookies, analytics tools, or similar technologies to improve website functionality, monitor traffic, and better understand visitor interaction with the site.

Users may adjust browser settings to limit or disable cookies; however, some website functions may not operate properly if cookies are disabled.

Confidentiality and Sensitive Information

SMG Financial Solutions understands that financial concerns may involve sensitive personal situations. Information shared during consultations or communications is treated respectfully and with reasonable discretion.

However, users are strongly encouraged not to submit:

Social Security numbers
Bank account information
Credit card numbers
Medical records
Insurance policy numbers
Legal documents
Highly sensitive financial account information through website forms or unsecured electronic communications.

Educational Services Disclaimer

SMG Financial Solutions primarily provides financial education, coaching support, and general informational services for individuals and couples.

Unless explicitly stated otherwise in a separate written agreement, services provided through this website are not intended to constitute:

Legal advice
Tax advice
Investment advisory services
Psychotherapy or mental health treatment
Crisis intervention services
Fiduciary financial planning

Insurance-related services, when applicable, are offered separately through appropriately licensed activities and may be subject to additional disclosures and regulatory requirements.

Data Security

Reasonable administrative, technical, and organizational safeguards are used to help protect submitted information. However, no method of electronic transmission, internet communication, or data storage can be guaranteed completely secure.

Users voluntarily provide information at their own discretion and risk.

Data Retention

Information may be retained only as reasonably necessary for legitimate business, legal, operational, or compliance purposes.

Children's Privacy

This website and services are intended for adults and are not directed toward children under the age of 18. SMG Financial Solutions does not knowingly collect personal information from minors through this website.

External Links

This website may contain links to third-party websites or resources. SMG Financial Solutions is not responsible for the privacy practices, content, or security of external websites.

Privacy Rights

Individuals may request reasonable access to or correction of personal information submitted through this website, subject to applicable legal limitations and operational requirements.

California residents may have additional privacy rights under applicable California privacy laws.

Changes to This Privacy Policy

This Privacy Policy may be updated periodically to reflect operational, legal, or business changes. Updated versions will be posted on this website with a revised effective date.

Contact Information

Questions regarding this Privacy Policy or privacy-related concerns may be directed to:

SMG Financial Solutions

Sylvia M Guerrero
asmguerrero@yahoo.com