Effective Date: January 1, 2026 | Last Updated: April 1, 2026

Blue Monarch Financial ("we," "us," or "our") is committed to protecting the privacy of our clients, website visitors, and individuals who interact with our services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website at blue-monarch-financial.com or engage with our services.

1. Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Information related to your financial goals, assets, income, and investment preferences provided during consultations.
• Website Usage Data: IP address, browser type, pages visited, time spent on pages, and referring URLs collected through cookies and analytics tools.
• Communication Records: Records of emails, messages, and other communications with our team.

2. How We Use Your Information

We use your personal information to:

• Provide financial advisory and wealth management services
• Respond to your inquiries and consultation requests
• Send service-related communications and updates
• Improve our website and services
• Comply with legal and regulatory requirements
• Send marketing and promotional communications (with your express consent)

3. SMS & Text Message Communications

Blue Monarch Financial may offer SMS and text message communications as a way to provide information about our financial products and services. By opting in to our SMS program on our website or through other means, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Blue Monarch Financial, sent using an automated telephone dialing system (ATDS).

Opt-In and Consent

Your consent to receive SMS messages is obtained through a clear opt-in mechanism on our website contact form. By checking the SMS consent checkbox on our contact page, you are providing your express written consent to receive text messages from Blue Monarch Financial.

Message Frequency and Rates

Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier and plan. Blue Monarch Financial is not responsible for any charges incurred from your mobile carrier.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message and will no longer receive SMS messages from Blue Monarch Financial unless you re-subscribe.

Help and Support

For assistance with our SMS program, reply HELP to any message or contact us at michael@blue-monarch-financial.com.

Consent and Purchase

Consent is NOT a condition of purchase. You are not required to opt in to SMS messages to use our services or make any purchase.

Mobile Information Sharing Policy

No mobile information will be shared with third parties or affiliates for marketing or 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.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our business (e.g., IT services, compliance tools), subject to confidentiality agreements.
• Legal Compliance: We may disclose information when required by law, regulation, legal process, or enforceable governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• Your Consent: We may share information with your explicit consent for a specific purpose.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and collect usage data. You can manage cookie preferences through your browser settings. Disabling cookies may affect certain website functionality.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites. We encourage you to review their privacy policies before providing any personal information.

8. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information
• Opt out of marketing communications
• Withdraw consent previously provided

To exercise any of these rights, please contact us using the information below.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can promptly delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

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

Blue Monarch Financial
County Rd 3424
Wills Point, TX 75703
Email: michael@blue-monarch-financial.com