Communication Policy

1. Overview
Finmark Solutions (“we,” “us,” “our,” or “Company”) values the privacy and communication preferences of our users (“you,” “your,” or “user”). This Communication Policy outlines our practices regarding the collection, use, disclosure, and protection of your information when you visit https://finmarksolutions.us/ or use any related websites, landing pages, applications, digital platforms, advertising channels, or communication tools (collectively, the “Site”).
If you do not agree with the terms of this Communication Policy, please refrain from accessing or using the Site.

2. Communication Channels
We reserve the right to communicate with you through multiple communication channels, including but not limited to:
SMS (Short Message Service) MMS (Multimedia Messaging Service) Telephone calls (manual or automated) Artificial or prerecorded voice messages

• Email
• WhatsApp
• LinkedIn
• Facebook
• Instagram
• Google platforms
• Mobile applications
• Other available communication platforms

These communications may be made by Finmark Solutions, its affiliates, service providers, marketing partners, or authorized third parties acting on our behalf.

3. Authorization for Telemarketing & Automated Communications
By accepting this Agreement or providing your contact information, you expressly authorize Finmark Solutions and its affiliates, subsidiaries, partners, and authorized service providers to:

• Deliver telemarketing promotions
• Send automated text messages
• Place calls using an automatic telephone dialing system (ATDS)
• Deliver artificial or prerecorded voice messages

to the phone number(s) you provide, even if such messages are not directly related to the service for which you initially inquired.

You understand and agree that:

• Consent is not a condition of purchasing any goods or services.
• You may revoke consent at any time.
• Message and data rates may apply.
• Wireless carriers are not liable for delayed or undelivered messages.

4. Policy Modifications
We reserve the right to modify this Communication Policy at any time and for any reason. We will update the “Last Updated” date accordingly. Upon posting a revised Communication Policy on the Site:

• Changes take immediate effect.
• You waive the right to receive individual notification of each change.
• Continued use of the Site constitutes acceptance of the modifications.

We encourage you to review this Policy regularly.

5. Communication Service Availability
The Finmark Solutions communication service is provided on an “as is” basis and:

• May not be accessible in all locations or through all wireless carriers at all times.
• May cease functioning due to product, software, coverage, or carrier changes.

Finmark Solutions reserves the right to discontinue or modify communication programs at any time without notice or liability.
Finmark Solutions, its affiliates, officers, employees, and contractors are not liable for losses arising from:

• Technical failures
• Delays
• Network interruptions
• Carrier disruptions

6. SMS & TEXT ALERT PROGRAM
Finmark Solutions may send recurring SMS and MMS messages relating to:

• Service updates
• Appointment confirmations
• Account notifications
• Billing alerts
• Promotional offers (with express consent) Business updates

To enroll, you must provide your mobile number and consent via:

• Web form opt-in
• Checkbox confirmation
• Keyword opt-in
• Written or verbal consent (where legally permitted)

Enrollment becomes effective immediately upon consent.

Message Frequency
Message frequency varies depending on:

• Account activity
• Service inquiries
• Promotional campaigns
• Customer engagement

Fees
Finmark Solutions does not charge separately for text messages. However, message and data rates may apply according to your mobile carrier agreement. You are responsible for all applicable carrier charges.

Opt-Out Instructions
You may opt out at any time by replying: STOP UNSUBSCRIBE CANCEL
After submitting an opt-out request, you may receive a final confirmation message. No further messages will be sent unless you re-enroll.
For assistance, reply: HELP or contact:
support@finmarksolutions.us

7. Types of Messaging & Consent Levels (A2P Compliant)
The level of required consent depends on the type of communication:

A. Conversational Messaging
Conversational SMS refers to a two-way communication between Finmark Solutions and an existing customer or individual with whom we have an established business relationship.
Implied consent applies when:

• You initiate the conversation.
• We respond promptly with relevant information.

Explicit written consent is not required in such cases.

B. Informational Messaging
Informational messages provide relevant updates about services or accounts.
Express permission is required and may be obtained through:

• Text opt-in
• Website forms
• Verbal confirmation
• Written consent

C. Promotional Messaging
Promotional messages are used to market or sell products or services.
Express written consent is required and may be obtained via:

• Online forms
• Checkbox agreements
• Signed documents
• Text opt-in keywords

Promotional messages are only sent to individuals obtained via inbound inquiries or compliant lead-generation campaigns.

8. Calls & Call Recording Policy
Finmark Solutions may record incoming and outgoing calls for lawful purposes, including:

• Quality assurance
• Compliance monitoring
• Employee training
• Fraud prevention
• Security purposes

Where required by law, we will notify participants that calls may be recorded.
By continuing the call after notification, you provide consent to monitoring and recording.
Recorded data will be:

• Adequate and relevant
• Used only for lawful purposes
• Stored securely
• Accessible only to authorized personnel
• Retained only as long as necessary

Deleted securely thereafter All recordings are processed in accordance with applicable privacy laws, including GDPR where applicable.

9. Social Media & Third-Party Platform Integration
If you link your account to social media platforms such as:

• Facebook
• Instagram
• LinkedIn
• Google
• WhatsApp
• Other networking services

we may receive publicly available profile information including:

• Name
• Username
• Email address
• Location
• Profile photo
• Public data

You control what information is shared via your social platform privacy settings.

10. Contests, Surveys & Promotions
If you participate in:

• Surveys
• Promotions
• Contests
• Giveaways

we may collect personal information necessary to administer those activities.

11. Information Disclosure for Legal & Business Purposes
We may disclose information if necessary to:

• Comply with legal processes
• Enforce policies
• Prevent fraud
• Protect rights and safety
  Reduce credit risk

We may share data with: Service providers Payment processors (such as Stripe) Marketing vendors

• Affiliates
• Business partners
• Legal authorities when required

In case of merger, acquisition, bankruptcy, or asset sale, your information may be transferred to a successor entity.

12. Email & Marketing Communications Opt-Out
If you no longer wish to receive communications, you may:

• Click “Unsubscribe” in emails
• Update preferences in your account settings
• Contact us directly at support@finmarksolutions.us

To stop third-party communications, you must contact those parties directly.

13. Dispute Resolution & Mandatory Arbitration
Any dispute arising out of or relating to this Agreement or our relationship shall be resolved through binding arbitration on an individual basis.
By agreeing to this Policy, you:

• Waive your right to a jury trial.
• Waive your right to participate in class actions or representative proceedings.

Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
The arbitrator’s decision shall be final and binding.
You may still bring claims in small claims court where permitted by law.
If any portion of this arbitration provision is found invalid, the remaining provisions shall remain in effect. If the class action waiver is deemed unenforceable, the entire arbitration provision shall be void.

14. Contact Information
If you have questions regarding this Communication Policy, please contact:
Finmark Solutions
Website: https://finmarksolutions.us/
Email: support@finmarksolutions.us