Effective Date: 02/01/2026

1) What Information Do We Collect?

We collect information from you when you register on our site, subscribe to our newsletter, fill out a form, book an appointment, complete checkout/payment forms (if applicable), communicate with us by phone/email/text, or provide information on paper forms in person. Any data we request that is not required will be specified as voluntary or optional.

When ordering or registering on our site, as appropriate, you may be asked to enter your name, e-mail, address, and phone number for WE EMPOWER FINANCIAL LLC.

You may, however, visit our site anonymously.

Payment information: If you make a payment, payment details may be processed through secure payment providers. We do not store full credit card information on our servers.

Like most websites, we also collect certain information automatically to enhance your experience, gather general visitor information, and track visits to our website. Please refer to the “Cookies & Tracking Practices” section below for more information.

2) What Do We Use Your Information For?

Any of the information we collect from you may be used in the following ways:

• To personalize your experience (your information helps us to better respond to your individual needs)

• To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)

• To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)

• To communicate with you including responding to inquiries, providing quotes/estimates, appointment confirmations and reminders, service alerts, dispatch updates, and billing/payment communications

• To send periodic emails and, if you have opted in, SMS/text messages as described below

• To send marketing communications (optional) only if you separately opt in where applicable

• To comply with legal obligations and protect rights including fraud prevention and dispute resolution

3) SMS/Text Messaging Consent & Use

How We Obtain SMS Consent

We may offer you the option to receive SMS messages from WE EMPOWER FINANCIAL LLC through one or more of the following methods:

Website contact/quote forms

Appointment booking forms

Checkout/payment pages (if applicable)

Paper forms (in-person)

Phone calls (where a representative captures your consent)

How SMS Consent is Obtained and Used

When SMS messaging is offered, you will be asked to opt in and provide consent via a separate checkbox (or equivalent affirmative consent mechanism). Consent to receive SMS messages is not a condition of purchase. We may use your consent to send you Conversational/customer support replies, Appointment confirmations and reminders, Estimates, dispatch updates, and service alerts, Billing/payment links, receipts, or account-related messages, and/or marketing/promotional SMS as described below:

Service/Transactional SMS (Non-Marketing)

If you opt in to SMS notifications/alerts, we may use your consent to send SMS to you including:

Conversational/customer support replies

Appointment confirmations and reminders

Estimates, dispatch updates, and service alerts

Billing/payment links, receipts, or account-related messages

Disclosure shown at opt-in (service/transactional):

“I consent to receive SMS notifications, appointment reminders, alerts from WE EMPOWER FINANCIAL LLC. Message frequency varies & data rates may apply. Text ‘HELP’ to (619) 490-5240 for assistance. You can reply ‘STOP’ to opt-out at any time.”

Marketing SMS (Optional)

If you check the separate marketing checkbox, you agree to receive occasional marketing/promotional SMS messages from WE EMPOWER FINANCIAL LLC and we may use your consent to send you occasional marketing/promotional SMS messages.

Disclosure shown at opt-in (marketing, separate checkbox):

“By checking this box, I agree to receive occasional marketing messages from WE EMPOWER FINANCIAL LLC. Message frequency may vary. Message and data rates may apply. Reply ‘STOP’ to opt out at any time. Text ‘HELP’ to (619) 490-5240 for assistance.”

Opt-Out and Help

You can opt out at any time by replying STOP. For help, reply HELP. Message frequency may vary. Message and data rates may apply.

No Sale of SMS Opt-In Data

Text messaging originator opt-in data and consent will not be shared with any third parties for marketing/promotional purposes.

4) How Do We Protect Your Information?

We implement a variety of security measures to maintain the safety of your personal information when you submit a request or enter, submit, or access your personal information. These security measures may include password protected directories and databases to safeguard your information, SSL (Secure Sockets Layer) technology to ensure that your information is fully encrypted and sent across the internet securely, and vulnerability protections to actively protect our systems.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Sockets Layer (SSL) technology and then encrypted into our database to be accessed only by those who are authorized with special access rights to our systems and are required to keep the information confidential. After a transaction, your private information (credit cards, Social Security numbers, financials, etc.) will not be stored on our servers.

No method of transmission over the internet or electronic storage is 100% secure, but we use commercially reasonable safeguards to protect your information.

5) Cookies & Tracking Practices

Yes, we use cookies. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information.

We use cookies and similar technologies to:

Improve site functionality and performance

Remember user preferences

Understand general website usage (analytics)

You can choose to disable cookies through your browser settings. However, disabling cookies may limit certain features of the site.

6) Do We Disclose Any Information to Outside Parties?

We do not sell, trade, rent, share, or otherwise transfer to third parties your personally identifiable information without your consent, except:

To trusted service providers (“subcontractors”) who help us operate our website, provide customer support, process payments, or deliver communications (including SMS delivery providers). These providers may only use your information to perform services for us and must protect it.

When required to comply with law, enforce our site policies, or protect our rights, property, or safety.

7) Third-Party Links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

8) Communications Consent

By entering your information, you consent to be contacted by phone, email, and text/SMS at the number(s) and email address(es) you provide, including through the use of automatic telephone dialing systems and pre-recorded messages, even if your number is on a National or State Do Not Call list.

Where required, we send SMS communications only to users who have opted in via a separate consent mechanism. You may opt out of SMS at any time by replying STOP.

9) MOBILE INFORMATION

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

We retain personal information only as long as necessary to fulfill the purposes described in this policy, to provide services you request, to maintain business records, and to comply with legal, tax, accounting, and regulatory requirements. We may also retain certain information as needed for dispute resolution and enforcement of agreements.

11) User Rights: Access, Update, and Deletion of Data

You may request to:

Access the personal information we have about you

Correct or update your personal information

Delete your personal information (subject to certain legal and operational exceptions)

To submit a request, contact us at ld@ldfinances.com with the subject line “Privacy Request.”

To help protect your privacy, we may request reasonable verification of your identity before fulfilling certain requests (for example, confirming you own the email address or phone number associated with the request). We will aim to keep verification minimal and not burdensome.

12) Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act); we do not collect any information from anyone under 18 years of age. Our website, products, and services are all directed to people who are at least 18 years old.

13) CAN-SPAM Compliance

We have taken the necessary steps to ensure that we are compliant with the CAN-SPAM Act of 2003 by never sending out misleading information.

14) Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

15) Your Consent

By using our site, you consent to this privacy policy.

16) Changes to Our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page and/or update the Effective Date above. Policy changes will apply only to information collected after the date of the change.

17) Privacy Policy Customer Pledge

We pledge to you, our customer, that we have made a dedicated effort to bring our privacy policy in line with the following important privacy laws and initiatives:

Federal Trade Commission Fair Information Practices

Children’s Online Privacy Protection Act

Privacy Alliance and Marketing Act

Trust Guard Privacy Requirements