Privacy Policy

The short version

We collect what you give us and what your browser sends. We use it to answer you, to send you what you asked for, and to run the site. We do not sell it. We do not pass your mobile number or your text message consent to anybody for their own marketing, ever.

The rest of this page is the same thing said carefully.

What we collect

What you type. Your name, email address, mobile phone number, anything you write in a message, what you asked us to send you, and whether you ticked the text message boxes. A form also carries the page you sent it from and, if you arrived from an ad or a tagged link, the name of that campaign, so we know which of our messages reached you.

What your browser sends. Your IP address, the kind of browser and device you are on, roughly where you are, which pages you looked at, where you arrived from, and ordinary server logs.

Please do not send us these. Social Security numbers, bank or brokerage account numbers, policy numbers, passwords, or medical information. This website is not the place for them. If we need any of that we will ask you a different way.

What we use it for

Answering your question or request.

Contacting you to confirm, and reminding you about, a consultation or an event.

Sending you the guide, checklist or recording you asked for.

Texting you, but only in the categories you agreed to.

Keeping the site working, spotting abuse, and seeing which pages people actually use.

Meeting the record keeping rules that apply to insurance and to text message programs.

Text messages and your mobile number

If you tick a text message box, we record which box you ticked and the date and time you ticked it. That record is what proves you agreed, and it is the thing the phone carriers ask to see.

No mobile opt-in or text message consent will be shared with third parties or affiliates. SMS consent is not shared with third parties.

All of the categories of sharing described on this page exclude text messaging originator opt-in data and consent. That information is not shared with anyone. The text message service that delivers our messages uses your number only to deliver them.

You can stop the texts at any time by replying STOP. Reply HELP if you need a hand. Message and data rates may apply and how often we text varies. The full detail is on the SMS terms page.

Who else sees anything

We do not sell your information and we never have.

Companies that run part of the site or the business see the piece they need to do their job: website hosting and the form service (Netlify), which stores the requests you send, and the text message service. They work for us and may not use your information for themselves.

We will hand information to a court, a regulator or a law enforcement agency if the law requires it.

If the business is ever sold or merged, records may move with it. The same promises would follow them.

How long we keep it

For as long as we need it to answer you, to serve you, or to meet a record keeping rule, and then no longer.

Text message consent records and opt out records are kept longer on purpose. Carriers and regulators can ask us to prove who agreed and when, and a record we threw away is a record we cannot produce.

Cookies and counting visits

The site sets no advertising cookies and runs no Google Analytics. It keeps two small things in your own browser's storage: your text size, and how you arrived (for example, which post brought you), which is sent with a form only if you fill one in. Clearing your browser data removes both.

Videos use YouTube's privacy-enhanced player and load only when you press play.

If your browser sends a Do Not Track or Global Privacy Control signal, we treat it as a request not to be tracked for advertising. We do not run advertising trackers on this site anyway.

Your rights, including in Virginia

Virginia residents have rights under the Virginia Consumer Data Protection Act, and people in some other states have similar rights. Wherever you live, you can ask us to:

Tell you what we hold about you.

Correct something that is wrong.

Delete it, unless a law says we must keep it.

Give you a copy.

Stop sending you marketing, including texts.

Ask by using the Call or Email button on the contact page. We will answer within 45 days. We will not treat you any differently for asking. If we say no, we will tell you why and how to appeal.

Keeping it safe

The site is served over an encrypted connection and we limit who can reach the information we hold. No website can promise perfect security, and anybody who tells you otherwise is guessing.

Children

This site is meant for adults. We do not knowingly collect information from anyone under 18. If you think a child has sent us something, tell us and we will delete it.

If this policy changes

We will change the date at the top of the page. If a change really matters, we will say so on the site rather than hope you notice.

Asking us anything about this

Use the Call or Email button on the contact page. A real person reads it.