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Privacy Policy

1. Introduction

AvonRisk LLC ("AvonRisk," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, engage our consulting services, or communicate with us, including via text message (SMS/MMS).

By accessing our website or services, you acknowledge you have read and understood this Privacy Policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We may collect the following categories of information:

    • Contact Information: Name, email address, mailing address, phone number (including mobile number).
    • Business Information: Company name, title, industry, TPA size, licensing information, and related professional details.
    • Communications Data: Records of calls, emails, SMS/MMS messages, and other correspondence.
    • Website Usage Data: IP address, browser type, pages visited, time spent on pages, referral URLs, and other analytics data collected via cookies and similar technologies.
    • Financial/Transaction Data: Invoicing details and payment records (we do not store full payment card numbers).
    • User-Submitted Content: Information you voluntarily submit through forms, surveys, or direct communications.

3. How We Collect Information

    • Directly from you when you contact us, complete web forms, or enroll in our programs.
    • Automatically through website cookies, analytics tools, and tracking technologies.
    • From third-party sources such as referral partners, public business registries, and professional networks, consistent with applicable law.

4. How We Use Your Information

We use collected information to:

    • Deliver, manage, and improve our consulting and growth strategy services.
    • Communicate with you regarding appointments, service updates, and business matters.
    • Send SMS/MMS messages for which you have provided opt-in consent (see Section 7).
    • Process invoices and manage business relationships.
    • Comply with legal obligations and enforce our agreements.
    • Conduct internal analytics and improve our website and offerings.
    • Prevent fraud, protect our rights, and ensure the security of our systems.

5. Legal Basis for Processing

We process your personal data based on one or more of the following legal grounds:

    • Consent: Where you have explicitly opted in (e.g., SMS communications).
    • Contractual Necessity: To perform obligations under a service agreement with you.
    • Legitimate Interests: For business operations, security, and service improvement, balanced against your privacy rights.
    • Legal Obligation: To comply with applicable laws and regulations.

6. Disclosure of Your Information

We do not sell, rent, or trade your personal information. We may share information with:

    • Service Providers: Trusted vendors who assist with CRM, email delivery, SMS messaging, analytics, or payment processing, under confidentiality obligations.
    • Professional Advisors: Attorneys, accountants, and insurers where necessary.
    • Legal Authorities: When required by law, subpoena, or to protect our legal rights.
    • Business Successors: In the event of a merger, acquisition, or sale of assets, with prior notice to you.

Note on SMS Data: We do not share, sell, or disclose mobile phone numbers collected for SMS messaging purposes to any third party for their own marketing use. SMS opt-in data is not shared with any affiliate or partner for marketing purposes.

7. SMS / Text Message Communications (10DLC Compliance)

📱 10DLC & TCPA Compliance Notice

Opt-In: By providing your mobile phone number and affirmatively opting in (via web form, verbal consent, or written agreement), you consent to receive SMS/MMS text messages from AvonRisk LLC regarding our consulting services, appointment reminders, program updates, and related business communications.

Message Frequency: Message frequency varies based on your engagement and service stage. Typical volume is 2–8 messages per month.

Message & Data Rates: Message and data rates may apply depending on your mobile carrier and plan.

Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will receive a single confirmation message and no further texts will be sent, except as required by law.

Help: Reply HELP for assistance or contact us at info@avonrisk.com.

No Third-Party Sharing: Your phone number and SMS opt-in information will not be shared with or sold to any third party for marketing purposes.

Supported Carriers: Major U.S. carriers (AT&T, T-Mobile, Verizon, and others) support our messaging program. Carrier support is not guaranteed for all carriers.

8. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar tracking tools to enhance user experience and analyze traffic. You may control cookie preferences through your browser settings. Disabling cookies may affect certain website functionalities.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce agreements. SMS opt-in records are retained for a minimum of four (4) years in accordance with TCPA and carrier compliance requirements.

10. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet is 100% secure; we cannot guarantee absolute security.

11. Your Rights

Depending on your jurisdiction, you may have rights to:

    • Access, correct, or request deletion of your personal information.
    • Withdraw consent for communications at any time.
    • Request restriction or portability of your data.
    • Lodge a complaint with a relevant data protection authority.

To exercise any of these rights, please contact us using the information in Section 14.

12. Children's Privacy

Our services are directed exclusively to business professionals and are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has submitted information, we will promptly delete it.

13. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. We will post the revised policy with an updated effective date. Continued use of our services after such changes constitutes your acceptance of the revised policy. Material changes will be communicated via email or website notice.

14. Contact Us

Please reach out to privacy@avonrisk.com with any questions.