Website Privacy Policy

Effective date: 12/08/2025

This Website Privacy Policy (“Policy”) explains how Silver Spring Financial PLLC (“Silver Spring Financial,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information when you visit our website or otherwise interact with us online.

This Policy applies to information collected through our website and online forms. It does not replace our separate SMS Privacy Policy, which explains how we handle information collected through our text messaging services.

  1. Information We Collect

We may collect the following types of information when you use our website:

1.1 Information you provide directly
Examples include:

  • Name, email address, phone number, and mailing address
  • Information you submit via contact forms, scheduling forms, or document request forms
  • Any other information you choose to provide when communicating with us

1.2 Information collected automatically
When you visit our website, certain information may be collected automatically, such as:

  • IP address and approximate location
  • Browser type and version, device type, and operating system
  • Pages visited, time and date of your visit, and how you navigated the site
  • Referring website or link

This information is typically collected using cookies and similar technologies.

1.3 Information from third parties
We may receive information about you from:

  • Service providers that help us operate our website, scheduling tools, or email services
  • Payment processors or client portals you use in connection with our services
  1. How We Use Your Information

We may use the information we collect for purposes including:

  • Providing, operating, and improving our website and services
  • Responding to your inquiries, requests, or questions
  • Scheduling and managing appointments and engagements
  • Sending administrative or service-related communications (e.g., confirmations, reminders)
  • Maintaining business and tax records consistent with professional and legal requirements
  • Protecting our rights, property, and the security of our systems and users
  • Complying with applicable laws, regulations, and professional standards

We do not sell your personal information.

  1. Cookies and Similar Technologies

We may use cookies and similar technologies to:

  • Help our website function properly
  • Understand how visitors use our site
  • Improve performance and user experience

You can usually set your browser to refuse cookies or alert you when cookies are being sent. However, some parts of the website may not function properly if you disable cookies.

  1. How We Share Your Information

We may share your information in the following situations:

  • Service Providers: With trusted third-party vendors who help us operate our website, send emails, host data, provide IT support, or deliver other services on our behalf. These providers are permitted to use your information only as necessary to provide services to us and must protect it appropriately.
  • Professional and Legal Obligations: With government authorities, regulators, courts, or other parties when required by law, regulation, legal process, or professional standards.
  • Business Transfers: If we undergo a merger, reorganization, or other business transaction, your information may be transferred as part of that transaction, subject to similar protections.
  • With Your Consent: When you ask or authorize us to share information with a third party (for example, coordinating with another professional advisor).

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

  1. Data Security

As a financial and professional services firm, we understand the importance of protecting client information. We use reasonable physical, technical, and administrative safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction, consistent with applicable professional standards and guidance (including the FTC’s Safeguards Rule under the Gramm–Leach–Bliley Act, where applicable).

However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

  1. Data Retention

We retain personal information for as long as necessary to:

  • Provide our services and maintain our relationship with you
  • Meet legal, regulatory, and professional obligations
  • Keep appropriate business and tax records

When information is no longer needed, we will delete, anonymize, or otherwise dispose of it in accordance with our data retention practices and applicable law.

  1. Your Choices and Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information, such as the right to:

  • Request access to the personal information we hold about you
  • Request correction or update of inaccurate information
  • Request deletion of certain information, subject to legal and professional record-keeping requirements

To exercise these rights or update your information, please contact us using the details in the Contact Us section below. We may need to verify your identity before responding.

You may also:

  • Adjust your browser settings to manage cookies
  • Opt out of non-essential email communications by using any unsubscribe link provided or contacting us directly
  1. Children’s Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 online. If we learn that we have collected such information, we will delete it as soon as reasonably practicable.

  1. Links to Other Websites

Our website may contain links to third-party websites or services that are not controlled by Silver Spring Financial PLLC. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any websites you visit.

  1. SMS and Other Communications

If you choose to communicate with us by text message, our handling of information collected via SMS is governed by our separate SMS Privacy Policy, which is available on our website.

We may occasionally reference our website in SMS messages (for example, providing links to scheduling pages, secure portals, or resources). When you follow those links, this Website Privacy Policy will apply to information collected through the website.

  1. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the Effective date at the top of this page. We encourage you to review this Policy periodically.

  1. Contact Us

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

Silver Spring Financial PLLC
865 W 3000 N
Rexburg, ID 83440
Email: office@silverspringfinancial.com
Phone: 208-227-8069

 

SMS Privacy Policy

Effective date: 12/08/2025

This SMS Privacy Policy describes how Silver Spring Financial PLLC (“we,” “us,” or “our”) collects, uses, and protects personal information when you communicate with us via text message (SMS, MMS, and similar messaging channels) using our business phone number.

This SMS Privacy Policy applies only to our text messaging practices. For information about how we handle other personal data collected through our website or services, please see our main Website Privacy Policy.

  1. Types of Messages We Send

When you opt in to receive text messages from us, we may send messages such as:

  • Appointment and meeting confirmations, reminders, and rescheduling notices
  • Time-sensitive updates about your account, services, or documents
  • Questions or clarifications related to your engagement with us
  • Billing or payment reminders and confirmations
  • Other service-related, non-marketing communications

We do not use text messaging for mass marketing without obtaining any additional required consents.

  1. Information We Collect

When you text with us or opt in to receive our messages, we may collect:

  • Mobile phone number – so we can send and receive messages
  • Message content – including any information you send to us via text
  • Log and technical data – such as time/date of messages and carrier information provided automatically by your wireless provider

We generally do not request sensitive information (e.g., full Social Security numbers, complete credit card numbers, or passwords) over text. If such information is needed, we will request it through more secure channels.

  1. How We Use Your Information

We may use the information collected through text messaging to:

  • Send you the service-related messages described above
  • Respond to your questions and customer service requests
  • Maintain records of our communications with you
  • Monitor, analyze, and improve our customer support and services
  • Comply with legal and regulatory obligations and protect our legal rights
  1. Consent, Opt-In, and Message Frequency

Opt-In
By providing your mobile number to us (for example, on an intake form, in your client portal, or directly by text) and agreeing to receive text messages, you consent to receive SMS communications from us at that number, consistent with this policy.

Message & Data Rates
Message and data rates may apply, depending on your mobile carrier and plan. You are responsible for any charges imposed by your carrier.

Message Frequency
Message frequency will vary based on your interactions with us, such as the number of services you use, appointments you schedule, or issues we are helping you with.

  1. Opt-Out and Help

You can opt out of text messaging at any time.

  • To stop receiving texts: reply “STOP” to any text message we send.
  • After you opt out, we may send you one final message confirming that you have been unsubscribed.

If you need assistance or more information about our SMS program:

  • Reply “HELP” to any message, or
  • Contact us at:
    • Email: office@silverspringfinancial.com
    • Phone (call or text): 208-227-8069

We also honor other clear opt-out requests sent in normal language (for example, “Please stop texting me”) as soon as reasonably practicable.

  1. Data Security

We use reasonable technical and organizational measures to protect the information we collect via text messaging from unauthorized access, use, or disclosure. However, no method of transmission over mobile networks or the internet is completely secure, and we cannot guarantee absolute security.

Because SMS is not an encrypted channel, we recommend that you do not send highly sensitive information by text message.

  1. Data Retention

We retain text message records and related information for as long as reasonably necessary to:

  • Provide and document our services
  • Meet legal, regulatory, or record-keeping requirements
  • Resolve disputes and enforce our agreements

When information is no longer needed, we will delete or de-identify it in accordance with our data retention practices and applicable law.

  1. Sharing of Your Information

We do not sell, rent, or share your mobile phone number or text message information with third parties for their own marketing or promotional purposes.

We may share information collected through text messaging only in the following circumstances:

  • Service Providers – with trusted vendors who help us deliver and manage SMS communications (for example, text messaging platforms or carriers). These providers are permitted to use your information only to perform services for us and must protect it appropriately.
  • Legal and Compliance – when required by law, regulation, court order, subpoena, or other legal process, or when we believe it is necessary to protect our rights, your safety, or the safety of others.
  • Business Transfers – if we are involved in a merger, acquisition, or sale of all or a portion of our business, your information may be transferred as part of that transaction, subject to the same protections described in this policy.
  1. Children’s Privacy

Our services, including our SMS communications, are not directed to children under 13. We do not knowingly collect personal information from children under 13 via text messaging. If we learn that we have collected such information, we will delete it as soon as reasonably practicable.

  1. Your Choices and Rights

Depending on your location, you may have certain rights regarding your personal information, such as the right to request access, correction, or deletion. To exercise these rights with respect to SMS-related data, please contact us at office@silverspringfinancial.com or 208-227-8069.

We may need to verify your identity before responding to your request.

  1. Changes to This SMS Privacy Policy

We may update this SMS Privacy Policy from time to time. When we do, we will revise the “Effective date” at the top of this page. We encourage you to review this page periodically to stay informed about our text messaging practices.