Privacy Policy

Introduction

P & S Financial Group, P.A. ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the site or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Contact us through our website forms
• Schedule a consultation
• Subscribe to our newsletter
• Engage our financial coaching or consulting services
• Communicate with us via email or phone

This information may include:

• Name and contact information (email address, phone number, mailing address)
• Financial information (income, debts, credit information, financial goals)
• Social Security Number (when required for credit services)
• Payment information for services rendered
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our financial coaching and consulting services
• To communicate with you about your account, appointments, and services
• To develop personalized financial strategies and recommendations
• To process payments and transactions
• To send you newsletters, marketing materials, and educational resources (with your consent)
• To respond to your inquiries and provide customer support
• To comply with legal obligations and protect our legal rights
• To detect, prevent, and address fraud or security issues
• To analyze website usage and improve user experience

How We Share Your Information

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

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our business, such as:

• Credit reporting agencies (for credit repair services)
• Payment processors
• Email marketing platforms
• Website hosting and analytics providers
• Professional consultants (accountants, attorneys)

Legal Requirements

We may disclose your information if required by law or in response to:

• Legal processes, court orders, or government requests
• Protecting our rights, property, or safety
• Investigating fraud or security issues
• Enforcing our Terms of Service

Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure server infrastructure and firewalls
• Regular security assessments and updates
• Limited access to personal information on a need-to-know basis
• Staff training on data protection and privacy

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request a copy of your data in a machine-readable format
• Restrict Processing: Request that we limit how we use your information

To exercise any of these rights, please contact us at smithtea@psfinancialgrouporg.com or call 850-328-5457.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand user behavior. You can control cookies through your browser settings, but disabling cookies may affect website functionality.

Third-Party Links

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

Children's Privacy

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

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

Contact Us

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