Privacy Policy.

1. Introduction

Welcome to AnswerZ by Cortney Rose ("AnswerZ," "we," "us," or "our"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website, use our services, communicate with us, or opt in to receive text messages from us.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our services.

AnswerZ operates several service brands under this policy, including AnswerZ Websites, AnswerZ Bankruptcy Solutions, AnswerZ Trust Foundation, and AnswerZ Social Media Lab. This Privacy Policy applies to all of them.

2. Information We Collect

Information You Provide Directly

• Contact information — name, email address, phone number, mailing address.
• Business information — company name, industry, business type (when relevant to services requested).
• Financial or planning information — voluntarily provided during consultations, assessments, or intake forms (for Bankruptcy or Trust services).
• Payment information — processed securely through our payment processor; we do not store full credit card numbers on our servers.
• Communications — messages you send us via email, form submissions, SMS, or during consultations.

Information Collected Automatically

• Device and browser information — IP address, browser type, operating system, device identifiers.
• Usage data — pages visited, time spent on pages, referring URLs, click behavior.
• Cookies and similar technologies — see Section 6.

3. How We Use Your Information

We use the information we collect to:

• Deliver the products, services, and consultations you purchase or request.
• Communicate with you about your account, orders, appointments, and support requests.
• Send transactional messages (order confirmations, appointment reminders, service updates).
• Send marketing communications (only where you have opted in).
• Improve our services, website, and customer experience.
• Comply with legal obligations, resolve disputes, and enforce our agreements.
• Prevent fraud, abuse, and unauthorized activity.

4. SMS / Text Messaging Communications

4.1 How You Opt In

You may consent to receive text messages from AnswerZ by:

• Providing your mobile phone number and checking the SMS consent checkbox on one of our forms.
• Texting an opt-in keyword to one of our short codes or numbers.
• Verbally providing consent during a scheduled consultation or discovery call, which we will confirm in writing.

Consent to receive text messages is not a condition of purchase or of receiving any product or service from AnswerZ.

4.2 Types of Messages You May Receive

• Transactional: order confirmations, appointment reminders, delivery notifications, service updates.
• Account-related: account notifications, security alerts, password resets.
• Marketing (only if opted in separately): promotions, special offers, new services, educational content.

4.3 Message Frequency, Rates, and Support

• Message frequency varies based on the type of message and your engagement (typically 2–8 messages per month for marketing subscribers).
• Message and data rates may apply based on your mobile carrier's plan.
• Reply HELP at any time for support.
• Reply STOP at any time to unsubscribe from further messages. You may also email us at [email protected] to request removal.

4.4 Our Commitment on SMS Data (Required A2P Disclosure)

5. Information Sharing & Disclosure

We do not sell or rent your personal information. We may share information only in the following limited circumstances:

• Service providers — with trusted third-party vendors who help us deliver our services (payment processors, email/SMS platforms, CRM providers, hosting providers), bound by confidentiality obligations and permitted to use the data only for the services they provide to us.
• Independent licensed attorneys — for AnswerZ Trust Foundation clients, we share necessary information with the independent licensed attorney handling your family legacy plan, with your consent.
• Legal obligations — if required by law, court order, subpoena, or to protect the rights, property, or safety of AnswerZ, our clients, or the public.
• Business transfers — in connection with a merger, acquisition, or sale of assets, with notice provided to affected users.

As noted above, mobile phone numbers and SMS opt-in consent data are never shared with third parties for marketing purposes.

6. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences, analyze traffic, and improve your experience. You can control cookies through your browser settings. Disabling cookies may limit some features of the site.

We may use third-party analytics tools (such as Google Analytics) to understand how visitors use our site. These providers may use their own cookies and tracking technologies subject to their own privacy policies.

7. Data Retention

We retain your personal information only as long as necessary to provide the services you request, comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we securely delete or anonymize it.

8. Data Security

We use industry-standard technical and organizational safeguards to protect your personal information, including encrypted connections (SSL/TLS), secure payment processing, and access controls. However, no system is 100% secure, and we cannot guarantee absolute security.

9. Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access — request a copy of the information we hold about you.
• Correction — request that we correct inaccurate information.
• Deletion — request that we delete your information (subject to legal retention requirements).
• Opt-out of marketing — unsubscribe from marketing emails via the link at the bottom of any marketing email, or reply STOP to any marketing SMS.
• Restrict or object — request that we limit certain uses of your information.
• Data portability — request a transferable copy of your data.

To exercise any of these rights, contact us at [email protected]. We will respond within a reasonable time consistent with applicable law.

California Residents (CCPA / CPRA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information we collect, the right to delete personal information, and the right to opt out of the sale of personal information. AnswerZ does not sell personal information.

10. Children's Privacy

Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us immediately and we will delete it.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

12. International Users

AnswerZ operates from the United States. If you access our services from outside the U.S., your information may be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your country.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top. Material changes will be communicated via email or a notice on our website. Your continued use of our services after any change constitutes acceptance of the updated policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

• Email: [email protected]
• Website: www.theanswerz.com
• Mailing Address: [Insert your business mailing address]