Privacy Policy

This Privacy Policy describes how we collect, use, and protect your nonpublic personal information and communication data. By using our services, you consent to the data practices described below.

1. Information Collection

We collect nonpublic personal information about you from the following sources:

Applications and Forms: Information provided by you, such as your name, address, Social Security number, assets, and income.

Transactions: Information about your dealings with us, our affiliates, or others, including account balances, payment history, and parties to transactions.

Consumer Reporting Agencies: Information regarding your creditworthiness and credit history.

Electronic Data: SMS consent data, including your phone number, opt-in source, and timestamps.

2. Information Sharing and Disclosure

We maintain strict standards regarding the disclosure of your information:

General Policy: We do not disclose any nonpublic personal information about our current or former customers to anyone, except as permitted by law.

Affiliates: We may share the information collected above with our affiliates to better serve your financial needs. You may contact us if you wish to opt out of this sharing.

Joint Marketing: We may disclose information (including identifiers, transaction history, and creditworthiness) to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements.

SMS & Mobile Data: We do not sell, rent, or share mobile phone numbers with third parties for their own marketing purposes. Phone numbers collected for SMS consent are used solely for communication purposes related to our services.

3. SMS Communications

By providing your phone number, you may be enrolled in our messaging program:

Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message. Reply HELP for assistance.

Frequency and Rates: Message frequency varies. Standard message and data rates may apply depending on your mobile carrier.

Effect of Opt-Out: Once you opt out, you will no longer receive SMS messages unless you choose to re-opt in.

4. Data Protection and Security

We are committed to safeguarding your information through the following measures:

Access Restrictions: We restrict access to your nonpublic personal information to employees who require that data to provide products or services to you.

Safeguards: We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information.

SMS Data: SMS consent data is securely stored to maintain compliance with applicable messaging regulations.

5. Your Rights: Access and Deletion

You have the right to request access to, correction of, or deletion of your personal information, including phone numbers and SMS consent records collected through https://excellent-bs.com.

Upon a verified deletion request:

Your phone number will be removed from our messaging systems.

SMS consent records will be securely deleted or anonymized.

We will delete other data within a reasonable timeframe, except where retention is required for legal, regulatory, or contractual obligations.

6. Contact Us

For questions regarding this policy, to opt out of affiliate sharing, or to request data deletion, please contact us:

Email: [email protected]

Website: https://excellent-bs.com

Phone: (385) 429-2940

Mail: 3883 East Chilton Road, Eagle Mountain, UT 84005