1. Information We Collect

1.1 Information You Provide Directly

We collect information that you voluntarily provide when you:

• Book a Consultation: Name, email, phone number, business information
• Use Our Services: Financial goals, credit profile details, funding needs
• Complete Forms: "Funding Fit Check" questionnaire responses
• Contact Us: Email correspondence, chat messages, phone conversations
• Create an Account: Username, password, profile information
• Make Payments: Billing address, payment method details (processed by third-party payment processors)

1.2 Information Collected Automatically

When you visit our website or use our services, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, referring URLs
• Location Data: General geographic location based on IP address
• Cookies and Tracking: See Section 6 for details

1.3 Information from Third Parties

We may receive information from:

• Marketing Platforms: GoHighLevel, email service providers, SMS platforms
• Analytics Services: Google Analytics, Facebook Pixel, other tracking tools
• Social Media: If you interact with us on social platforms
• Partner Organizations: Referral partners, affiliates

2. How We Use Your Information

2.1 Service Delivery

• Schedule and conduct consultations
• Provide funding strategy guidance and credit consulting
• Deliver personalized recommendations
• Process payments and manage billing
• Provide customer support

2.2 Communications

• Appointment Reminders: SMS, email, and phone call reminders
• Service Updates: Information about your consultation or service status
• Marketing Communications: Promotional offers, educational content, newsletters
• Transactional Messages: Receipts, confirmations, account updates

2.3 Marketing and Analytics

• Send targeted marketing messages via SMS, email, and phone
• Analyze website usage and improve our services
• Track conversion rates and marketing performance
• Conduct surveys and gather feedback
• Personalize your experience

2.4 Legal and Security

• Comply with legal obligations and regulations
• Prevent fraud and unauthorized access
• Protect our rights and property
• Enforce our Terms of Service
• Respond to legal requests and court orders

3. SMS and Phone Communication Policy

3.2 Message Frequency

Message frequency varies based on your engagement level:

• Appointment Reminders: 1-2 messages per scheduled appointment
• Service Updates: As needed for your active services
• Marketing Messages: Up to 4 messages per month

3.3 SMS Terms

• Standard message and data rates may apply
• We may use automated dialing systems
• Consent is not required to purchase services
• Carriers are not liable for delayed or undelivered messages

3.4 Opt-Out Options

You can stop receiving messages at any time:

• SMS: Reply STOP, END, QUIT, or UNSUBSCRIBE to any text message
• Email: Click "Unsubscribe" at the bottom of any email
• Phone: Request removal during any call or contact us directly
• Direct Contact: Email [COMPANY EMAIL] or call [COMPANY PHONE]

Note: Opting out of marketing messages will not affect transactional messages related to services you've purchased.

3.5 Help and Support

For SMS help, text HELP to [SMS SHORT CODE] or contact:

• Email: [COMPANY EMAIL]
• Phone: [COMPANY PHONE]

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

4.1 Service Providers

Third-party vendors who help us operate our business:

• GoHighLevel: CRM, SMS, email marketing, automation
• Payment Processors: Stripe, PayPal, or similar (they have their own privacy policies)
• Cloud Hosting: Amazon Web Services, Google Cloud, or similar
• Email Services: Mailchimp, SendGrid, or similar
• Analytics: Google Analytics, Facebook Pixel
• Customer Support: Help desk and chat platforms

4.2 Business Partners

• Referral partners (with your consent)
• Affiliate organizations
• Co-marketing partners

4.3 Legal Requirements

We may disclose your information when required by law:

• In response to subpoenas, court orders, or legal process
• To comply with government regulations
• To protect our rights, property, or safety
• To prevent fraud or illegal activity
• In connection with a merger, acquisition, or sale of assets

4.4 With Your Consent

We may share your information for other purposes with your explicit consent.

5. Data Retention

We retain your personal information:

• Active Clients: For the duration of our business relationship plus 7 years for legal/tax purposes
• Marketing Lists: Until you opt out or request deletion
• Website Visitors: Cookies and tracking data as described in Section 6
• Legal Requirements: As long as required by law

After retention periods expire, we securely delete or anonymize your data.

6. Cookies and Tracking Technologies

6.1 What We Use

Our website uses cookies and similar technologies:

Type	Purpose	Duration
Essential Cookies	Required for website functionality, security, and session management	Session
Analytics Cookies	Google Analytics, usage tracking, performance measurement	Up to 2 years
Marketing Cookies	Facebook Pixel, retargeting, ad campaign tracking	Up to 1 year
Preference Cookies	Remember your settings and preferences	Up to 1 year

6.2 Your Cookie Choices

You can control cookies through:

• Browser Settings: Most browsers allow you to block or delete cookies
• Opt-Out Tools: Google Analytics Opt-out, NAI Opt-out, DAA Opt-out
• Do Not Track: We respect browser DNT signals where technically feasible

Note: Disabling cookies may limit website functionality.

7. Your Privacy Rights

7.2 All Users

Regardless of location, you may:

• Access: Request information about data we hold about you
• Update: Correct or update your personal information
• Delete: Request deletion of your account and data (subject to legal retention requirements)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Request your data in a portable format

7.3 How to Exercise Your Rights

To make a privacy request:

• Email: [COMPANY EMAIL] with "Privacy Request" in subject line
• Phone: [COMPANY PHONE]
• Mail: [COMPANY ADDRESS]

We will respond to verified requests within 45 days.

8. Data Security

We implement reasonable security measures to protect your information:

• Encryption: SSL/TLS encryption for data transmission
• Access Controls: Limited employee access on a need-to-know basis
• Secure Storage: Encrypted databases and secure servers
• Regular Audits: Security assessments and vulnerability testing
• Employee Training: Privacy and security awareness programs

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

9. Third-Party Links and Services

Our website may contain links to third-party websites and services:

• We are not responsible for their privacy practices
• Each third party has its own privacy policy
• We encourage you to review their policies before providing information
• This Privacy Policy applies only to Bright Solutions LLC

10. Children's Privacy

Our services are not intended for individuals under 18 years of age:

• We do not knowingly collect information from children
• If we learn we have collected data from a child, we will delete it
• Parents or guardians should contact us if they believe we have collected their child's information

11. International Users

Our services are based in the United States:

• Your information will be transferred to and processed in the U.S.
• U.S. privacy laws may differ from your jurisdiction
• By using our services, you consent to this transfer
• We comply with applicable international data protection laws

12. GoHighLevel and CRM Data

We use GoHighLevel as our CRM and marketing automation platform:

• Data Stored: Contact information, communication history, booking details
• Processing: Email, SMS, phone automation, funnel tracking
• Location: GoHighLevel servers (see their privacy policy)
• Security: Subject to GoHighLevel's security measures
• Your Rights: You can request export or deletion of your CRM data

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time:

• Changes will be posted on this page with a new "Last Updated" date
• Material changes will be communicated via email or website notice
• Continued use of our services after changes constitutes acceptance
• We encourage you to review this policy periodically

14. Contact Us - Privacy Inquiries

15. California "Shine the Light" Law

California residents may request information about disclosure of personal information to third parties for direct marketing purposes. We do not share personal information with third parties for their direct marketing purposes without your consent.

16. Nevada Privacy Rights

Nevada residents have the right to opt out of the sale of personal information. We do not sell your personal information as defined by Nevada law. If you have questions, contact us at [COMPANY EMAIL].