Privacy Policy

ADR Wealth Advisors LLC, doing business as The Score Machine (“The Score Machine,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, store, and protect information when you visit TheScoreMachine.com, use The Score Machine software, communicate with us, submit information through our websites or forms, or otherwise use our products and services.

By accessing or using our websites, software, products, or services, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

We collect information that you provide directly to us, information generated through your use of our services, and information obtained through authorized third-party integrations.

1.1 Information You Provide Directly

Depending on how you interact with The Score Machine, we may collect:

• Name
• Email address
• Telephone or mobile phone number
• Mailing address
• Account login information
• Communication preferences
• SMS/text-message consent and opt-in records
• Customer support communications
• Documents and files voluntarily uploaded to the platform
• Information submitted through contact forms, registration forms, applications, or other website forms

1.2 Credit and Financial Information

When authorized by the user, our services may process information relating to credit reports, financial accounts, or other financial information.

This may include:

• Credit report information obtained through authorized integrations
• Credit bureau information
• Tradeline and account information
• Credit balances and payment history
• Financial account information where applicable
• Transaction or account-level information authorized by the user
• Information required to provide credit-analysis or related platform functionality

We process this information only as necessary to provide the services requested by the user or as otherwise permitted by law.

1.3 Technical and Usage Information

When you access our websites or software, we may automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Operating system
• Login activity
• Pages or features accessed
• Date and time of activity
• Platform interactions
• Diagnostic and performance information
• Cookies and similar technologies

This information may be used to operate, secure, troubleshoot, and improve our services.

2. How We Use Information

We may use information we collect for the following purposes.

2.1 Providing Our Services

We may use information to:

• Create and maintain user accounts
• Authenticate users
• Provide platform functionality
• Process authorized credit-report information
• Generate reports, analytics, documents, or other requested services
• Maintain account functionality
• Respond to customer-support requests
• Process transactions
• Provide technical support
• Deliver requested products and services

2.2 Communications

We may use contact information to:

• Respond to inquiries
• Provide customer-service communications
• Send account notifications
• Send service-related notices
• Provide product or feature updates
• Send appointment, training, or event reminders
• Send educational information
• Send promotional or marketing communications where permitted by law and where appropriate consent has been obtained

2.3 Product Development and Improvement

We may use information to:

• Improve website and software performance
• Diagnose technical problems
• Analyze platform usage
• Develop new products and features
• Improve customer experience
• Measure effectiveness of services and communications

2.4 Fraud Prevention, Security, and Compliance

We may use information to:

• Detect or prevent fraud
• Protect accounts and systems
• Investigate unauthorized activity
• Enforce our agreements and policies
• Protect our legal rights
• Comply with applicable laws, regulations, court orders, or lawful government requests

3. SMS and Text Messaging

3.1 SMS Consent

If you voluntarily provide your mobile telephone number and affirmatively opt in to receive text messages, you consent to receive SMS and/or MMS communications from ADR Wealth Advisors LLC dba The Score Machine.

Depending on the consent you provide, messages may include:

• Account notifications
• Customer-support communications
• Service updates
• Appointment reminders
• Training or event reminders
• Educational information
• Product information
• Promotional offers
• Marketing communications relating to The Score Machine products and services

Consent to receive marketing text messages is optional and is not a condition of purchasing or using our products or services.

3.2 Message Frequency

Message frequency may vary.

The number and frequency of messages you receive may depend on your relationship with The Score Machine, the services you use, and the communications for which you have opted in.

3.3 Message and Data Rates

Message and data rates may apply.

Your mobile carrier's standard messaging and data rates may apply to messages sent or received in connection with our SMS program.

3.4 Opting Out

You may opt out of SMS communications at any time by replying:

STOP

to a text message you receive from us.

After submitting an opt-out request, you may receive a confirmation message acknowledging your request.

3.5 Getting Help

For assistance with SMS communications, reply:

HELP

to a message you receive from us or contact:

support@thescoremachine.com

3.6 SMS Privacy and Data Sharing

Mobile information, including mobile telephone numbers, SMS opt-in information, and SMS consent records, will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

We may disclose information to service providers that assist us in operating our SMS communications, telecommunications systems, customer-support systems, or related infrastructure, but only as reasonably necessary for those providers to perform services on our behalf.

SMS consent provided to ADR Wealth Advisors LLC dba The Score Machine will not be transferred to third parties for their independent marketing purposes.

4. How We Disclose Information

We do not sell personal information merely because you use The Score Machine.

We may disclose information in the circumstances described below.

4.1 Service Providers

We may provide information to companies that perform services on our behalf, including:

• Website and software hosting providers
• Cloud infrastructure providers
• Payment processors
• Credit-report or data-integration providers
• Telecommunications and SMS providers
• Email providers
• Customer-support platforms
• Analytics providers
• Security providers
• Professional advisers

These providers may access information only as reasonably necessary to perform services for us and subject to their contractual or legal obligations.

4.2 Authorized Integrations

When you instruct or authorize us to connect with a third-party service, certain information may be transmitted between The Score Machine and that provider in order to provide the requested functionality.

Third-party platforms operate under their own terms and privacy policies.

4.3 Legal and Regulatory Requirements

We may disclose information when reasonably necessary to:

• Comply with applicable law
• Respond to a subpoena, court order, or lawful government request
• Protect our legal rights
• Enforce contracts
• Investigate fraud or unlawful activity
• Protect the safety or security of users, our company, or others

4.4 Business Transactions

Information may be disclosed or transferred in connection with a:

• Merger
• Acquisition
• Financing
• Reorganization
• Sale of assets
• Business restructuring
• Change of ownership

Any successor organization may continue to process information in accordance with applicable law and the privacy commitments applicable to the transferred information.

5. Payment Information

Payments may be processed through third-party payment processors.

The Score Machine may not directly store complete payment-card information when payments are processed by a third-party payment provider.

Payment processors maintain their own privacy and security practices, and users should review the applicable provider's policies when appropriate.

6. Cookies and Similar Technologies

Our websites and services may use cookies, pixels, local storage, or similar technologies to:

• Maintain user sessions
• Remember preferences
• Provide website functionality
• Understand website usage
• Measure performance
• Improve security
• Analyze traffic
• Support marketing or advertising activities where permitted

Browser settings may allow users to block or delete certain cookies. Disabling cookies may affect the functionality of some portions of our services.

7. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure.

Safeguards may include:

• Encryption where appropriate
• Secure storage systems
• Access controls
• Authentication measures
• System monitoring
• Security procedures
• Restricted employee or contractor access

No electronic transmission or storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security of information.

8. User Responsibility

Users are responsible for maintaining the confidentiality of their account credentials and for activity occurring through their accounts.

Users should:

• Protect usernames and passwords
• Avoid sharing login credentials
• Use appropriate security measures
• Notify us if unauthorized access is suspected

9. Data Retention

We retain personal information for as long as reasonably necessary to:

• Provide our services
• Maintain business and transaction records
• Fulfill contractual obligations
• Resolve disputes
• Prevent fraud
• Maintain security
• Comply with legal, tax, accounting, or regulatory requirements

Retention periods may vary depending on the type of information and the purpose for which it was collected.

10. Account Closure and Deletion

Closing an account does not necessarily result in the immediate deletion of all information.

Certain information may be retained after account termination when reasonably necessary for:

• Legal compliance
• Fraud prevention
• Security
• Accounting
• Recordkeeping
• Dispute resolution
• Enforcement of agreements

Information that is no longer required may be deleted, anonymized, or otherwise handled in accordance with our internal retention practices and applicable law.

11. Your Privacy Choices

Depending on applicable law and your relationship with us, you may have the ability to:

• Request access to certain personal information
• Request correction of inaccurate information
• Request deletion of certain information
• Update your contact information
• Change communication preferences
• Unsubscribe from marketing emails
• Opt out of SMS messages by replying STOP

Certain requests may be subject to identity verification and applicable legal exceptions.

12. Email Communications

Users may unsubscribe from promotional email communications by following the unsubscribe instructions contained in those communications.

We may continue to send non-promotional communications when necessary, including account, security, billing, transactional, or service-related notices.

13. Third-Party Websites and Services

Our websites or software may contain links to or integrations with third-party websites, applications, or services.

We are not responsible for the privacy, security, content, or practices of third parties.

Users should review the privacy policies and terms of any third-party services they choose to use.

14. Children's Privacy

The Score Machine's services are intended for adults and are not directed toward children.

We do not knowingly collect personal information from children in violation of applicable law.

If we become aware that information has been collected from a child in circumstances where parental or legal authorization was required, we may take reasonable steps to delete the information.

15. State Privacy Rights

Residents of certain U.S. states may have additional privacy rights under applicable state law.

Depending on the jurisdiction and whether the applicable law applies to our business or processing activities, these rights may include the right to request:

• Access to personal information
• Correction of inaccurate information
• Deletion of personal information
• A copy of certain personal information
• Information regarding certain disclosures
• Opt-out rights relating to certain uses of personal information

We may verify a person's identity before processing a privacy request.

To submit a privacy-related request, contact us at:

support@thescoremachine.com

16. Confidential and Sensitive Information

Information designated as confidential or sensitive is handled with safeguards appropriate to the nature of the information and the services being provided.

Access to sensitive information may be limited to authorized personnel, contractors, or service providers who require access for legitimate business purposes.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

• Changes to our services
• Changes to our business practices
• New technologies
• Changes to legal or regulatory requirements

When we make changes, we may update the Effective Date displayed at the top of this Privacy Policy.

Your continued use of our services following the effective date of an updated Privacy Policy constitutes acknowledgment of the updated policy to the extent permitted by applicable law.

18. Governing Law

This Privacy Policy and matters relating to our privacy practices are governed by applicable federal and state laws.

Any dispute relating to our services may also be subject to the applicable Terms of Service, including any dispute-resolution or arbitration provisions contained in those Terms.

19. Contact Us

If you have questions regarding this Privacy Policy, our privacy practices, or the handling of your information, please contact:

ADR Wealth Advisors LLC dba The Score Machine

Email: support@thescoremachine.com

Website: TheScoreMachine.com