Ritchyer Wealth Enterprise — Privacy Policy

1. Introduction

Ritchyer Wealth Enterprise ("we," "us," or "our") 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 engage our financial improvement services. Please read this policy carefully. If you disagree with its terms, please discontinue use of our site and services.

2. Information We Collect

We may collect the following types of information:

Personal Identification Information

• Full name, address, date of birth, and Social Security Number (required for financial profile improvement services)

• Email address and phone number

• Government-issued ID (where required for identity verification)

Financial Information

• Financial reports and scores obtained through authorized monitoring services

• Payment information for service fees

Technical Information

• IP address, browser type, and device information

• Pages visited and time spent on our website

• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide financial profile improvement and consulting services

• Communicate with you regarding your account, progress, and service updates

• Send SMS messages you have explicitly opted into

• Process payments for services rendered

• Comply with legal obligations under applicable federal and state laws

• Improve our website and service offerings

4. Compliance Disclosure

Ritchyer Wealth Enterprise operates in full compliance with all applicable federal and state laws governing financial improvement and consulting services. We do not guarantee specific outcomes or improvements to your financial profile. You have the right to cancel any contract with us within three business days of signing without penalty.

5. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Financial Reporting Agencies: To submit documentation on your behalf where applicable

• Service Providers: Third-party vendors who assist in delivering our services, bound by confidentiality agreements

• Legal Requirements: When required by law, court order, or government authority

• Business Transfers: In the event of a merger or acquisition, your information may be transferred with appropriate notice

We will never share your information with third-party marketers.

6. SMS Communications

Ritchyer Wealth Enterprise may send SMS messages to clients and prospects who have provided express written consent. We collect your phone number solely for the purpose of delivering the SMS communications you requested.

• Your phone number and SMS consent will never be sold, rented, or shared with third parties for marketing purposes

• Message frequency varies based on your service status

• Message and data rates may apply

• You may withdraw consent at any time by replying STOP to any message

• Reply HELP for assistance

7. SMS Messaging Terms

Ritchyer Wealth Enterprise offers SMS communications to clients and prospects who have explicitly opted in. Messages may include financial profile improvement updates, service information, appointment reminders, and promotional offers.

• Message frequency: Varies based on your service status

• Rates: Message & data rates may apply

• Opt out: Reply STOP at any time to cancel

• Help: Reply HELP for assistance or contact us at [your phone/email]

• Privacy: Your phone number and SMS consent will never be sold or shared with third parties

8. Data Security

We implement industry-standard security measures to protect your personal information, including encryption, secure file storage, and restricted access to sensitive data. However, no method of transmission over the internet is 100% secure. We encourage you to contact us immediately if you suspect any unauthorized use of your information.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Financial improvement service records are typically retained for a minimum of five years in accordance with applicable regulations.

10. Your Rights

You have the right to:

• Access the personal information we hold about you

• Request correction of inaccurate information

• Request deletion of your information, subject to legal retention requirements

• Opt out of SMS communications at any time by replying STOP

• File a complaint with applicable regulatory authorities

To exercise any of these rights, contact us at [email protected].

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their policies separately.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

13. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated effective date. Continued use of our services following any changes constitutes your acceptance of the revised policy.

14. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Ritchyer Wealth Enterprise 4101 McEwen Rd, Dallas, Texas 75244 | 1-800-747-4785 | [email protected] | www.ritchyerwealthenterprise.com