Privacy Policy & SMS Terms – Karma Financial

Karma Financial is committed to protecting your privacy and ensuring transparency in how we handle your personal information. This Privacy Policy and SMS Terms explain how we collect, use, and safeguard your data, and how we communicate with you via text message (SMS).

1. Information We Collect

By submitting your information on our website, forms, or landing pages, you may provide us with personal data such as your name, phone number, email address, zip code, or other details necessary for providing life insurance quotes and related services.

2. How We Use Your Information

Your information is used solely to:

• Contact you regarding life insurance quotes, appointment reminders, and follow-ups

• Provide requested services and policy information

• Communicate via phone, email, or text message (SMS)

We do not sell, rent, or share your information with third parties for marketing purposes without your explicit consent.

3. SMS Consent and Terms

By providing your phone number, you consent to receive recurring SMS communications from Karma Financial. These may be sent via automated systems and may include marketing messages, service updates, and appointment reminders.

• Message frequency varies based on your interaction

• Message and data rates may apply

• You may opt out at any time by replying STOP

You will no longer receive SMS messages after opting out unless you reinitiate contact and provide renewed consent.

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, misuse, or disclosure. Access is restricted to authorized personnel only.

5. Your Rights

You have the right to:

• Access, correct, or update your personal information

• Withdraw consent for communication at any time

• Request deletion of your information from our systems

To exercise these rights, contact us at [Insert Contact Email or Form].

6. Third-Party Services

We may use third-party platforms (e.g., CRM or SMS providers) solely for operational purposes to process and deliver services. These providers are bound by confidentiality and security agreements and do not have permission to use your data for other purposes.

7. Policy Updates

This Privacy Policy may be updated from time to time. Any changes will be posted on this page with an updated date.