Be Money Strong Messaging Privacy Policy

 

Effective Date: June 3, 2025
Last Updated: June 3, 2025

1. Introduction

This SMS Privacy Policy (“Policy”) describes how Be Money Strong (“we,” “us,” or “our”) collects, uses, and protects your personal information when you participate in our SMS messaging program. This Policy applies to all text messages sent and received through our 10DLC (10-Digit Long Code) messaging service for our financial coaching and educational services.

2. Consent and Opt-In

Explicit Consent Required

• By providing your mobile phone number and opting into our SMS program, you expressly consent to receive text messages from us
• Consent is not a condition of purchase for any goods or services
• You may opt-out at any time using the methods described below

Types of Messages

You may receive the following types of messages:

• Coaching session reminders and confirmations
• Financial education tips and best practices
• Action step reminders and accountability check-ins
• Group coaching session notifications
• Course enrollment confirmations and updates
• Financial milestone celebrations and encouragement
• Important financial deadlines and reminders
• Program announcements and new service offerings
• Customer service communications

3. Information We Collect

Automatically Collected Information

• Mobile phone number
• Carrier information
• Message delivery status
• Timestamp of messages sent and received
• Device information (when available)

Information You Provide

• Any personal information included in your text messages to us
• Preferences and settings you configure
• Feedback and responses to our messages

4. How We Use Your Information

We use your SMS-related information to:

• Send coaching reminders and session confirmations
• Provide financial education and accountability support
• Share relevant financial tips and best practices
• Deliver action step reminders and progress check-ins
• Notify you of group coaching sessions and events
• Provide customer support and respond to inquiries
• Improve our coaching services and educational content
• Comply with legal obligations and regulations
• Analyze messaging effectiveness for better coaching outcomes

5. Information Sharing and Disclosure

Service Providers

We may share your information with:

• SMS platform providers and carriers for message delivery
• Analytics providers for service improvement
• Security providers for fraud prevention
• Dave Ramsey certified coaching network partners (for coaching support)

Legal Requirements

We may disclose your information when required by:

• Court orders or legal process
• Law enforcement requests
• Regulatory compliance requirements
• Protection of our rights and safety

No Sale of Personal Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

6. Message Frequency and Charges

Message Frequency

• Message frequency varies based on your coaching program and preferences
• Educational tips: Up to 2 messages per week
• Coaching reminders: As needed for scheduled sessions
• Action step accountability: Up to 4 messages per month
• Frequency may increase during intensive coaching periods or financial challenges

Charges

• Standard message and data rates apply
• We do not charge additional fees for SMS services
• Contact your carrier for information about your messaging plan

7. Opt-Out and Unsubscribe

How to Opt-Out

You can stop receiving messages at any time by:

• Texting “STOP” to any message you receive from us
• Replying “UNSUBSCRIBE” to any message
• Contacting customer service at marketing@bemoneystrong.com
• Managing preferences in your account settings

Opt-Out Confirmation

• You will receive a confirmation message when you opt-out
• Opt-out requests are processed immediately
• You may still receive transactional messages related to your account

Re-Subscribing

• To re-subscribe, text “START” or follow the original opt-in process
• You must provide explicit consent to resume receiving coaching messages
• Different coaching programs may have separate opt-in requirements

8. Data Security and Retention

Security Measures

We implement appropriate technical and organizational measures to protect your information:

• Encryption of data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments and updates
• Compliance with industry security standards

Data Retention

• We retain SMS-related data only as long as necessary for coaching and business purposes
• Message content is typically retained for 1 year (12 months) to support your coaching progress
• Financial coaching history may be retained longer to track your success journey
• Phone numbers may be retained longer for opt-out compliance
• Data is securely deleted when no longer needed for your coaching support

9. Your Rights and Choices

Access and Correction

You have the right to:

• Access personal information we hold about you
• Request correction of inaccurate information
• Update your contact preferences
• Request deletion of your information (subject to legal requirements)

Communication Preferences

You can:

• Choose which types of coaching messages to receive
• Set frequency preferences for educational tips and reminders
• Customize accountability check-in schedules
• Update your phone number or other contact information
• Adjust preferences based on your coaching program stage

10. Compliance and Regulations

10DLC Compliance

Our SMS program complies with:

• CTIA Messaging Principles and Best Practices
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act requirements for commercial messages
• Carrier filtering and compliance requirements
• FCC regulations for text messaging

Carrier Requirements

We adhere to all major carrier guidelines including those from:

• Verizon, AT&T, T-Mobile, and other major carriers
• Industry best practices for message content and frequency
• Anti-spam and anti-phishing requirements

11. Financial Coaching Considerations

Confidentiality

• Your financial coaching communications are treated with strict confidentiality
• Messages containing sensitive financial information are protected
• We follow professional coaching ethics and privacy standards
• Information shared for coaching purposes is kept separate from marketing data

Educational Content

• Financial tips and educational content are provided for informational purposes only
• SMS content does not constitute personalized financial advice
• Individual coaching sessions provide personalized guidance beyond SMS content
• You should consult with your personal financial, tax, and legal advisors for specific financial decisions
• Any coaching information, teachings, discussions, visual aids, slides, videos, assignments, homework, activities, or other content from Be Money Strong should not be taken as legal, tax or investment advice.  Before taking any action, you should seek further counsel from a competent legal, tax and/or investment advisor or professional

12. International Users

If you are located outside the United States:

• Local data protection laws may apply
• Message delivery and charges may vary
• Additional opt-in requirements may be necessary
• Contact us for information about international coaching services

13. Minor’s Privacy

• Our SMS services are not intended for minors under 16
• We offer teen/young adult financial coaching programs with appropriate consent
• Parental consent is required for participants under 18
• Parents should contact us if they believe their child has provided information without consent
• We will delete any information from children upon notification

14. Changes to This Policy

Updates

• We may update this Policy from time to time
• Material changes will be communicated via SMS or other means
• Continued use of our SMS service constitutes acceptance of changes
• Previous versions are available upon request

Notification

You will be notified of significant changes through:

• SMS notification to your registered number
• Email notification (if available)
• Posted notice on our website

15. Contact Information

Questions or Concerns

If you have questions about this SMS Privacy Policy or our practices:

Website: https://bemoneystrong.com
Email: marketing@bemoneystrong.com
Phone: 801-864-9436
Mail: 1162 N Mustang Ln, Saratoga Springs, UT 84045

Customer Service Hours: Monday to Saturday, 7:00 AM – 10:30 PM

SMS Support

For immediate SMS-related help:

• Text “HELP” to any message from us
• Text “INFO” for program information
• Reply “STOP” to opt-out at any time
• Visit our website for additional coaching resources

Coaching Support

For questions about your financial coaching program:

• Contact your assigned Dave Ramsey certified coach directly
• Access our FAQ section on the website

Acknowledgment: By participating in our SMS program, you acknowledge that you have read, understood, and agree to this SMS Privacy Policy.