Privacy Policy

• Why?
  • Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
• What?
  • The types of personal information we collect and share depend on the product or service you have with us. This information can include:
    • Social Security Number and Investment Experience
    • Income and Account Transactions
    • Assets and Retirement Assets
• How?
  • All financial companies need to share clients' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients' personal information; the reason Riverbend Wealth Management chooses to share; and whether you can limit this sharing.

To limit our sharing:

• Call 843-970-1049
• Please note: If you are a new customer, we can begin sharing your information 0 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice; however, you can contact us at any time to limit our sharing.

Questions?

• Call 843-970-1049 or visit www.RiverbendWealthManagement.com

What we do:

• How does Riverbend Wealth Management protect my personal information?
  • To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
• How does Riverbend Wealth Management collect my personal information? 
  • We collect your personal information, for example, when you:
    • Open an account or tell us about your financial profile
    • Seek investment advice or complete account paperwork
    • Enter into an investment advisory relationship
• Why can't I limit all sharing?
  • Federal law gives you the right to limit only:
    • Sharing for affiliates' everyday business purposes - information about your creditworthiness
    • Affiliates from using your information to market to you
    • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
• What happens when I limit sharing for an account, I hold jointly with someone else?
  • The limited information sharing will apply to all account holders.

SMS Terms and Conditions

Welcome to our SMS Texting Services! These Terms and Conditions ("T&C") govern the use of our SMS communication services. By opting into and using our texting service, you agree to comply with the terms outlined below. This privacy police helps to ensures clarity and transparency about our services, communication practices, and your rights as a user. The goal of the TCR is to enhance the security and trustworthiness of business texting and protect SMS messaging from spam.

Acceptance of Terms

By accessing, using, or subscribing to our SMS services, you agree to these T&C, which apply to all users of the service. If you do not agree, you must refrain from using this service. Your participation in our SMS program signifies your acceptance of these terms.

User Responsibilities and Conduct

To keep our platform respectful and secure, users must adhere to the following guidelines:

• Refrain from misuse of our SMS platforms or services.
• Do not engage in abusive, harmful, or illegal activities.
• Ensure that all information shared is accurate and lawful.
  Failure to follow these guidelines may result in a suspension or termination of services.

Intellectual Property Rights

All content and materials provided through our SMS service, including text, logos, and trademarks, are the intellectual property of our company. Users are granted a non-transferable, limited right to use materials specifically for personal use. Unauthorized copying, reproduction, or distribution without explicit permission is prohibited.

Account Information and Security

Users may be required to provide accurate and complete information when opting into SMS services. You are responsible for maintaining the confidentiality of any credentials used to access the service. Any activity conducted via your account is your responsibility, whether authorized by you or not. Notify us immediately if you suspect any unauthorized use of your account.

Payment Terms (if applicable)

For SMS services is based on your phone provider not with us:

• Payments must be made according to your agreed billing cycle.
• Non-payment may result in suspension or termination of services with your personal phone provider.
• Refunds will only be issued as per the outlined refund policy with your phone provider.

Privacy and Data Collection

SMS opt-in consent or phone numbers for SMS purposes will NOT be shared with third parties and affiliates for marketing purposes. We are committed to protecting your personal data. When you use our SMS services, we may collect and retain your phone number, name, email and other information data. This information maybe collected through SMS or other methods of communication. This information is collected to improve our clients and potential client's experience. This information is secured and used exclusively to provide and improve our services and will not be shared with third parties or affiliates for marketing purposes. For more details, visit our Privacy Policy.

Limitation of Liability

We strive to provide uninterrupted and error-free SMS services, but we cannot guarantee absolute reliability. We are not liable for:

• Interruptions or delays due to technical issues.
• Damages arising from unauthorized access to user communication.
  Your use of the service is at your own risk, and we encourage users to report any issues promptly.

Termination or Suspension of Services

We reserve the right to suspend or terminate SMS services under the following conditions:

• Violation of these T&C.
• Non-payment for fee-based services.
• Any unlawful or harmful activity involving our platform.

Affected users will receive notification via SMS or email explaining the reason for termination or suspension.

Governing Law and Dispute Resolution

By using our services, you agree that disputes will first be addressed through good faith discussions and, if unresolved, handled via mediation or arbitration.

Changes to Terms

We may update these T&C as needed to improve or adjust our services. Whenever a change occurs, users will be notified via SMS or email. Continued use of the service signifies acceptance of the updated terms.

Contact Information

If you have any questions, concerns, or require clarification on any aspect of these T&C, please contact us at:

• Info@Riverbendwm.com
• 843-970-1049

SMS Terms & Conditions

Here are the specific terms related to SMS messaging with our company:

• Frequency of Messages: Message frequency may vary depending on the type of communication. For example, you may receive up to [X] SMS messages per week related to your appointments.
• Consent for SMS Communication: The information as phone numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
• Types of SMS Communications: If you have consented to receive text messages from Riverbend Wealth Management, you may receive messages related to the following:
  • Appointment reminders
  • Follow-up messages

• Potential Fees: Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
• Opt-In Method: You may opt-in to receive SMS messages from Riverbend Wealth Management in the following ways:
  • By submitting an online form
  • By initiate contact by texting Riverbend Wealth Management first
• Opt-Out Method: You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
• Help: If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at https://riverbendwealthmanagement.com/ or call us at 843-970-1049.
• Additional Options: If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
• Standard Messaging Disclosures: You can opt-out at any time by texting "STOP." For assistance, text "HELP" or visit our website https://riverbendwealthmanagement.com/privacy-policy/. Message frequency may vary.