Privacy Policy

Last Updated: December 1, 2025

ModiFi Business Advisory ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Information You Provide

We collect information you voluntarily provide when you:

• Fill out our contact form
• Request a consultation
• Subscribe to communications
• Communicate with us via phone or email

This may include your name, email address, phone number, business name, and any other information you choose to share about your business needs.

Information Collected Automatically

When you visit our website, we may automatically collect certain information including your IP address, browser type, operating system, referring URLs, and information about how you interact with our website.

How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and consultation requests
• Provide our business advisory services
• Send you information you have requested
• Communicate with you about our services (with your consent)
• Improve our website and services
• Comply with legal obligations

SMS and Email Communications

Third-Party Sharing

We do not sell, rent, or share your SMS opt-in information with third parties for their marketing purposes.

Message Frequency and Fees

You may receive up to 3 SMS messages per week. Standard message and data rates may apply as determined by your carrier.

Opt-Out and Support

You may opt out of SMS messages at any time by replying STOP. For assistance, reply HELP or contact us at Mmcardle@modififinancial.co or call (973) 632-5771.

Additional ways to opt out:

• Reply STOP to any SMS message
• Email us at Mmcardle@modififinancial.co
• Call us at (973) 632-5771

Information Sharing

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We may share your information only in the following circumstances:

• Service Providers: With trusted vendors who help us operate our business (such as email and form services), under strict confidentiality agreements
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your personal information
• The right to correct inaccurate information
• The right to request deletion of your information
• The right to opt out of communications

To exercise these rights, please contact us using the information below.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page with an updated "Last Updated" date.