Effective Date: 01-01-2024 PCM Financial Group LLC ("we," "our," "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, www.pcmfinancialgroup.com, and when you interact with us in other ways, including through SMS and WhatsApp communications. 1. Information We Collect Personal Data: We may collect personally identifiable information, such as your name, email address, phone number, mailing address, and other contact details when you voluntarily provide this information to us through forms on our website, during phone calls, in-person meetings, or other interactions with our team. Usage Data: We may collect information about your interactions with our website, such as your IP address, browser type, operating system, access times, and the pages you viewed directly before and after accessing the site. SMS and WhatsApp Data: When you consent to receive SMS and WhatsApp communications from PCM Financial Group LLC, we collect your phone number and any preferences or consent you provide regarding the types of messages you wish to receive. 2. How We Use Your Information We use the information we collect from you for the following purposes: To Provide Services: To fulfill requests for services, such as health and life insurance consultations. To Communicate: To send you information, updates, reminders, promotional offers, and other communications related to our services via SMS, WhatsApp, email, or phone. To Improve Our Services: To analyze usage trends, monitor our marketing efforts' effectiveness, and improve our website's functionality and user experience. To Comply with Legal Obligations: To ensure compliance with applicable laws and regulations. 3. How We Obtain Consent Website Consent: When you provide your personal data on our website, you are asked to check a box indicating your consent to receive communications from us, including SMS and WhatsApp messages. In-Person and Phone Consent: If we collect your personal data during an in-person meeting or phone call, we will inform you verbally about the types of communications you may receive. Your consent will be documented in our CRM system, and you will receive a confirmation SMS to verify your consent. Email Consent: If you contact us via email, we may request your consent to receive SMS communications by replying to our email. Your consent will be stored along with your email response. Paper Form Consent: For any services where consent is obtained via paper forms, we include a checkbox for SMS consent, which must be checked and signed by you. These forms are then digitized and securely stored. 4. Data Sharing and Disclosure We do not sell or share your personal data with third parties for their marketing purposes. We may share your data with trusted third-party service providers who assist us in delivering our services, such as payment processors, SMS gateways, and email service providers. These third parties are obligated to protect your data and only use it for the purposes for which it was shared. 5. Your Rights and Choices Opt-Out: You can opt out of receiving SMS and WhatsApp messages from us at any time by replying "STOP" to any SMS you receive. You can also contact us directly at info@pcmfinancialgroup.com to request that your phone number be removed from our SMS list. Access and Correction: You have the right to access the personal data we hold about you and request corrections or updates. To exercise this right, don't hesitate to contact us at info@pcmfinancialgroup.com. Data Deletion: You may request the deletion of your personal data by contacting us. We will comply with your request unless we are legally required to retain certain information. 6. Data Security We implement a variety of security measures to protect your personal data from unauthorized access, use, or disclosure. This includes using secure servers, encryption, and access controls. 7. Changes to This Privacy Policy We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our website with an updated effective date. We encourage you to review this policy periodically. 8. Contact Us If you have any questions or concerns about this Privacy Policy or how we handle your personal data, please contact us at: PCM Financial Group LLC PO Box 772562 Orlando, FL 32877-2562 Email: info@pcmfinancialgroup.com Phone: 407-684.46.00