Privacy Policy

Carrington Financial Services
Effective Date: September 4, 2026

Carrington Financial Services ("Carrington Financial Services," "CFS," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how Carrington Financial Services collects, uses, stores, protects, and shares personal information obtained through our website, telephone communications, text messaging, forms, appointments, and other interactions with our business.

Carrington Financial Services may collect personal information that you voluntarily provide to us, including:

• Name
• Mailing address
• Email address
• Telephone or mobile phone number
• Date of birth
• Information submitted through our website or contact forms
• Appointment and customer-service information
• Insurance, Medicare, retirement, and financial-services information necessary to respond to your requests
• Communication records, including telephone calls and SMS/MMS communications when appropriate and permitted by law

We only collect information that is reasonably necessary to communicate with you, respond to your requests, provide requested services, or satisfy applicable business, legal, regulatory, or compliance requirements.

We may collect information when you:

• Visit or submit information through our website;
• Complete a contact, appointment, or information-request form;
• Call, email, or text Carrington Financial Services;
• Request information about our products or services;
• Schedule an appointment;
• Provide information during an insurance or financial-services consultation; or
• Voluntarily provide your information through another authorized method.

Providing a telephone number does not automatically enroll you in marketing text messages.

Carrington Financial Services may use personal information to:

• Respond to inquiries and requests;
• Provide information about requested products or services;
• Schedule and confirm appointments;
• Send appointment reminders;
• Provide customer-service communications;
• Respond to questions through telephone or text message;
• Follow up regarding services you requested;
• Maintain business and compliance records;
• Process authorized insurance or financial-services requests;
• Comply with applicable laws, regulations, carrier requirements, and contractual obligations; and
• Protect against fraud, misuse, or unauthorized activity.

We will use information only for legitimate business purposes and as otherwise permitted or required by law.

When you provide your mobile telephone number and consent to receive text messages from Carrington Financial Services, we may send SMS/MMS messages concerning your inquiries, appointments, requested services, customer-service matters, account-related communications, and other communications for which you have provided consent.

Message frequency may vary.

Message and data rates may apply.

You may opt out of receiving text messages at any time by replying STOP.

For assistance, reply HELP or contact Carrington Financial Services.

Consent to receive SMS/MMS messages is not a condition of purchasing any product or service.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Carrington Financial Services does not sell, rent, trade, transfer, or otherwise provide SMS opt-in data, mobile telephone numbers, or SMS consent information to third parties or affiliates for their own marketing or promotional purposes.

SMS consent is specific to Carrington Financial Services and is not transferable or assignable to another business for that business's marketing purposes.

Carrington Financial Services does not sell personal information to third parties for marketing purposes.

We may disclose personal information when reasonably necessary to:

• Provide a service you requested;
• Work with insurance carriers or financial-services organizations in connection with an authorized request;
• Work with service providers performing necessary business functions on our behalf;
• Comply with applicable laws, regulations, court orders, or governmental requirements; or
• Protect the rights, property, security, and integrity of Carrington Financial Services and its clients.

Service providers are expected to use personal information only as necessary to perform services on our behalf and to appropriately protect that information.

The sharing provisions in this section do not apply to SMS opt-in data and consent. Text messaging originator opt-in data and consent will not be shared with third parties.

Carrington Financial Services may use third-party technology and service providers to support business operations, including telephone, SMS/MMS messaging, website hosting, customer-management, scheduling, or other technology services.

These providers may process information when necessary to provide services on our behalf.

Carrington Financial Services does not authorize these service providers to sell or use your mobile information, SMS opt-in data, or SMS consent for their own marketing or promotional purposes.

Carrington Financial Services uses reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, use, loss, alteration, or disclosure.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

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

• Provide requested services;
• Maintain business and compliance records;
• Satisfy legal or regulatory obligations;
• Resolve disputes;
• Enforce agreements; and
• Maintain appropriate records of client communications.

Information that is no longer required may be securely deleted or disposed of in accordance with our record-retention practices and applicable requirements.

You may contact Carrington Financial Services regarding personal information we maintain about you and request that information be corrected or updated, subject to applicable legal, regulatory, and record-retention requirements.

You may withdraw your consent to receive SMS/MMS communications at any time by replying STOP to a text message from Carrington Financial Services.

After receiving an opt-out request, we may send a confirmation message acknowledging the request.

If you need assistance with SMS communications from Carrington Financial Services, reply HELP to a message or contact us using the information provided below.

Message frequency may vary, and message and data rates may apply.

Carrington Financial Services' website and SMS messaging services are not directed to children under the age of 13.

We do not knowingly collect personal information from children under 13 through our website or SMS messaging program. If we learn that such information has been collected, we will take reasonable steps to delete it when appropriate.

Carrington Financial Services may update this Privacy Policy periodically to reflect changes in our business practices, services, technology, or applicable legal and regulatory requirements.

Any revised Privacy Policy will display an updated effective date.

If you have questions regarding this Privacy Policy, your personal information, or Carrington Financial Services' SMS/MMS practices, please contact:

Carrington Financial Services

Email: Caretta.carrington@gmail.com
Website: www.123-finances.com