Effective Date: April 16, 2025

Last Updated: April 16, 2025

This Privacy Policy describes how O and R Consulting, operated under O&R DIGITAL LLC (D.B.A. O and R Consulting), collects, uses, shares, and protects your personal data when you use our platform and services.

We are committed to respecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR) and U.S. privacy standards.

1. Who We Are

O and R Consulting provides financial advisory and planning services to individuals and businesses. Our services include debt management, retirement planning, investment guidance, and financial education. We are operated by O&R DIGITAL LLC, doing business as (D.B.A.) O and R Consulting.

2. Information We Collect

We collect the following personal information when you use our platform or communicate with us:

Full Name

Phone Number

Email Address

This information may be collected through web forms, phone consultations, SMS interactions, or email communications.

We do not collect sensitive financial information (such as credit card numbers or bank logins) unless explicitly provided through secure and authorized channels for service purposes.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

3. How We Use Your Information

We use your personal data to:

Provide financial consultations and strategy sessions

Respond to inquiries and customer support requests

Send reminders, updates, and confirmations via SMS or email

Deliver occasional marketing communications (only with your consent)

Improve our services and user experience

3A. SMS Messaging & Compliance

Opt-In & Consent:

You will only receive text messages from us if you have explicitly opted in

We maintain timestamped records of all opt-in actions

We comply with the Telephone Consumer Protection Act (TCPA) and all applicable laws

Message Frequency & Content:

Message frequency varies based on your interactions with our business

Messages will be directly related to the services you have requested

We do not send promotional content without your specific consent

Help & Support:

Reply "HELP" for assistance, or contact us at [email protected]

Customer support is available during regular business hours

Carrier Information:

Standard message and data rates may apply

Carriers are not liable for delayed or undelivered messages

Supported carriers include AT&T, Verizon, T-Mobile, Sprint, and most regional carriers

4. Legal Basis for Processing (GDPR)

If you are located in the European Economic Area (EEA), we process your personal data under the following legal bases:

Your consent, given through form submissions or communication opt-ins

Contractual necessity, to provide the financial services you request

Our legitimate business interests, when your rights do not override those interests

5. Consent and User Rights

By submitting your information, you provide explicit consent for us to process your data.

You have the right to:

Access your personal data

Correct any inaccuracies

Request data deletion

Object to or restrict processing

Withdraw consent at any time

To exercise these rights, please email us at [email protected] or reply "STOP" to opt out of SMS communications.

6. Data Sharing and Third Parties

We do not sell or share your personal data with third-party marketing companies.

We may use secure third-party platforms (e.g., CRM or email automation services) to operate our business. These services are contractually required to uphold strong privacy and security standards.

7. International Data Transfers

Some of your data may be processed or stored outside the EEA, including in the United States.

To safeguard international data transfers, we implement:

Standard Contractual Clauses (SCCs)

Secure, encrypted data transfer and storage

Data Processing Agreements (DPAs) with vendors

8. Data Security

We protect your data with the following measures:

SSL encryption (HTTPS) across our site

Role-based access control

Secure cloud hosting

Regular backups and data integrity checks

Two-Factor Authentication (2FA) options

9. Non-Sharing Clause

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

10. Data Retention

Your personal data is retained only as long as necessary to fulfill the services we provide or as required by applicable law. You may request deletion of your information at any time, subject to any legal retention obligations.

11. Changes to This Policy

We may update this Privacy Policy as needed. When we do, we will notify you:

By email (if applicable)

With a notice on our website

By updating the "Last Updated" date at the top of this page

12. Contact Us

If you have questions about this Privacy Policy or how we handle your data, please reach out:

Email: [email protected] Phone: +1 (724) 494-6303 Company: O&R DIGITAL LLC (D.B.A. O and R Consulting)

Thank you for trusting O and R Consulting. Your privacy and data security are our priority.