Temecula Financial Services, Inc Privacy Policy for SMS Messaging 

Effective Date: January 1, 2025 

Introduction 
At Temecula Financial Services, Inc. , your privacy is critically important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you opt into our SMS messaging program. By opting into our SMS service, you agree to the terms outlined below, which are in compliance with the latest 2024 regulations under the Telephone Consumer Protection Act (TCPA) and the Campaign Registry guidelines. 

1. Information We Collect 

When you opt-in to receive SMS messages from us, we collect the following information: 

• Phone Number: The mobile number provided during the opt-in process. 

• Message Interaction Data: Includes information such as delivery status, response data, and message engagement rates. 

• Consent Data: We maintain records of when and how you provided consent to receive SMS messages, including the method of opt-in (e.g., web form, keyword, or verbal consent). 

2. How We Use Your Information 

We use your information to: 

• Send text messages based on the preferences you indicated when opting in, such as, updates, notifications, and alerts. 

• Ensure compliance with federal regulations, including the TCPA. 

• Monitor and improve our SMS services by tracking engagement metrics. 

Your information will only be used for the purpose specified at the time of opt-in and will not be used to send unrelated messages. 

3. One-to-One Consent Requirement 

In line with FCC regulations (March 2024), your SMS opt-in applies to communications from Temecula Financial Services, Inc. only. Your consent to receive SMS messages is specific to our company and does not extend to third-party businesses or affiliates unless explicitly stated and separately agreed upon. 

4. Message Frequency and Data Rates 

The SMS message frequency will vary but will not be more than three messages per day unless there is a notification event. Message and data rates may apply depending on your mobile carrier and plan. Please note that message and data rates may apply depending on your mobile carrier and plan. We encourage you to review your carrier's terms for more details on messaging fees. 

5. Opt-Out Instructions 

You can opt out of our SMS service at any time by replying with “STOP” to any message you receive from us. Once you opt out, you will immediately cease receiving further messages unless you opt back in. For help, you can reply with “HELP” or contact us directly at bob@temeculafinancial.com or 951-694-9878 

6. Data Sharing and Disclosure 

We will never share or sell your information to third parties for marketing purposes without your explicit consent. We may, however, share your information with trusted third-party service providers for the purpose of facilitating SMS delivery (e.g., telecommunications providers). All such parties are bound by strict confidentiality agreements and are prohibited from using your data for any purpose other than SMS delivery. 

In compliance with Do Not Call (DNC) Registry regulations (2024), you have the right to register your number with the National DNC Registry. If you are on the DNC Registry, we will not send you promotional SMS messages unless you have provided express consent to do so. 

7. Security of Your Information 

We take reasonable measures to protect the information you provide from unauthorized access, disclosure, or misuse. However, no system is completely secure, and we cannot guarantee the absolute security of your data during transmission or storage. 

8. Record-Keeping and Proof of Consent 

As required by the TCPA and Campaign Registry guidelines, we maintain records of all opt-ins and opt-outs, including timestamps and the method of consent. These records are kept securely and may be used to demonstrate compliance with regulatory requirements if needed. 

9. Changes to This Policy 

We reserve the right to update or modify this Privacy Policy at any time. Any significant changes will be communicated via SMS or on our website. Continued use of our SMS service after any changes indicates your acceptance of the revised policy. Please check back periodically to stay informed of any updates. 

10. Contact Us 

If you have any questions about this Privacy Policy or wish to update your SMS preferences, you can contact us at: 

• Email: bob@temeculafinancial.com 

• Phone: 951-694-9878 

• Address:43471 Ridge Park Dr. Ste D Temecula, CA 92590 

 

Links: 

• Terms and Conditions: https://temeculafinancial.com/terms

• Privacy Policy: https://temeculafinancial.com/privacy-policy

• National Do Not Call Registry: https://www.donotcall.gov/ 

 

Key 2024 Compliance Elements: 

• One-to-One Consent: Consumers are only giving consent to receive messages from the specific business they opt into, not from multiple parties​ 

• Clear Disclosures: The policy includes clear language about the nature of the messages, frequency, potential charges, and opt-out mechanisms​ 

• Do Not Call Protections: The policy reflects the latest FCC guidance that DNC protections apply to SMS, making it clear that businesses must adhere to DNC regulations​ 

• Data Sharing and Record-Keeping: Emphasizes the importance of maintaining proof of consent and clear guidelines on how data is shared for operational purposes. 

This updated Privacy Policy example aligns with current 2025 TCPA and FCC guidelines, ensuring your business remains compliant while fostering transparency with consumers. 

 

SMS Terms and Conditions 

 

Temecula Financial Services, Inc. SMS Terms and Conditions 

Effective Date: January 1, 2025 

 

1. Introduction 

By opting into the SMS program provided by Temecula Financial Services, Inc. , you agree to receive recurring text messages to the phone number you provided. These messages may include updates, notifications, and alerts. By participating, you agree to these Terms and Conditions, which comply with the Telephone Consumer Protection Act (TCPA) and the FCC’s 2024 guidelines. 

2. Opt-In Consent 

In accordance with the 2024 TCPA guidelines, your participation in our SMS service requires explicit one-to-one consent. This means that by opting in, you consent to receive messages from Temecula Financial Services, Inc. only. Consent cannot be shared with other companies or third-party entities without your direct approval. 

To join our SMS program, you may opt in through the following method, in compliance with the 2024 CTIA Guidelines: 

• Verbal Consent: Offer verbal consent by clearly agreeing to SMS participation after being read a compliant SMS consent disclosure. 

By opting in, you acknowledge that your consent to receive SMS messages is not a condition of any purchase. You may receive informational messages as specified at the time of opt-in. 

3. Message Frequency 

The number of messages you receive will vary but will not be more than three messages per day unless there is a notification event. Message and data rates may apply depending on your mobile carrier and plan. 

4. Opt-Out Process 

You can opt out of receiving SMS messages from Temecula Financial Services, Inc. at any time by replying with the word “STOP” to any text message you receive from us. Once you opt out, you will not receive any further messages unless you choose to opt back in. For assistance, you can reply “HELP” for further instructions or contact our support team directly at bob@temeculafiancial services.com or 951-694-9878 

5. Terms of Consent 

By opting into this SMS program, you agree to receive SMS messages from Temecula Financial Services, Inc. in compliance with the TCPA and the FCC's 2024 guidelines. All messages will be logically and topically related to your interaction with our services and products. 

Your consent is specific to Temecula Financial Services, Inc. , and it does not extend to third-party businesses or affiliates unless explicitly stated at the time of opt-in, as mandated by the FCC's one-to-one consent rule introduced in 2024. 

6. Privacy Policy 

We take your privacy seriously. By opting into our SMS services, you agree to our Privacy Policy https://temeculafinancial.com/sms-privacy-policy-, which explains how we collect, use, and protect your personal information. Your phone number and interaction data will only be used for the purpose of delivering the SMS messages outlined in this agreement. 

7. Message and Data Rates 

Message and data rates may apply, depending on your mobile service provider and plan. Temecula Financial Services, Inc. is not responsible for any fees charged by your carrier for receiving or sending messages related to our service. 

8. Record-Keeping and Compliance 

We maintain detailed records of when and how you provided consent to receive SMS messages. This includes storing opt-in and opt-out dates and timestamps. These records are maintained in compliance with TCPA regulations and may be used to demonstrate proof of consent if required. 

9. Changes to Terms and Conditions 

Temecula Financial Services, Inc. reserves the right to modify or change these Terms and Conditions at any time. Any significant updates will be communicated via SMS or through our website. By continuing to use our SMS services after any changes, you agree to the revised Terms and Conditions. 

10. Disclaimers and Liability Limitations 

Temecula Financial Services, Inc. is not responsible for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your mobile carrier and network provider. We cannot guarantee that SMS services will always be available in all areas. 

11. Contact Information 

If you have any questions or concerns regarding these Terms and Conditions or the SMS service, please contact us at: 

• Email: bob@temeculafinancial.com 

• Phone: 951-694-9878 

• Address: 43471 Ridge Park Dr. Ste. D Temecula, CA 92590 

 

Links: 

• Terms and Conditions: https://temeculafinancial.com/terms

• Privacy Policy:  https://temeculafinancial.com/privacy-policy

 

Key 2024 Compliance Elements: 

• One-to-One Consent: Reflects the 2024 FCC regulation that requires explicit consent for messages from a single seller, preventing bundled consents for multiple parties​ 

• Clear Disclosures: The template clearly outlines message frequency, data rates, opt-out mechanisms, and consent specifics as required by the TCPA​ 

• Opt-Out Mechanisms: Clear opt-out instructions are provided, with immediate processing of opt-out requests, as required under current guidelines​ 

This updated Terms and Conditions template complies with the 2024 TCPA and FCC guidelines, ensuring that your SMS marketing practices are transparent, compliant, and user-friendly.