Privacy Policy - Peak Income Advisors

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Effective Date: February 2025

Peak Income Advisors (legally operating as Alldredge Wealth Strategies, LLC d/b/a Peak Income Advisors) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

1. Information We Collect

We collect information that you voluntarily provide to us, including:

Contact Information: Name, email address, and phone number
Financial Information: Investable assets and retirement timeline (to better understand your needs)
Communication Data: Any messages or inquiries you send us
Website Usage Data: Information about how you interact with our website, including pages visited, time spent, and referral sources
Device Information: Browser type, operating system, and IP address

2. How We Use Your Information

We use the information we collect for the following purposes:

To respond to your inquiries and provide customer service
To schedule consultations and follow-up appointments
To send transactional SMS/text messages (such as appointment confirmations and reminders) to the phone number you provide
To send marketing SMS/text messages only if you have explicitly opted in to receive them
To improve our website and services based on user feedback and analytics
To comply with legal obligations and protect our rights

Important: We will never sell, rent, or lease your personal information to third parties for their marketing purposes.

3. SMS/Text Messaging Privacy

Our SMS Communication Policy

Peak Income Advisors uses SMS/text messaging to communicate with you. Here's what you need to know:

Types of Messages

Transactional Messages: Appointment confirmations, reminders, and important service updates (these are sent regardless of your preferences)
Marketing Messages: Promotional content and updates about our services (only sent if you have explicitly opted in)

Message Frequency & Rates

Message frequency varies based on your interactions with us. Message and data rates may apply depending on your wireless service provider. Check with your carrier for details.

How to Opt Out

To stop receiving SMS messages from us, reply STOP to any text message we send you. We will confirm your opt-out request, and you will no longer receive messages from us (except for transactional messages required for ongoing services).

How to Get Help

If you have questions about our SMS program or need assistance, you can:

Reply HELP to any text message
Email us at spencer@peakincomeadvisors.com
Call us at (480) 331-9395

⚠️ IMPORTANT: Your SMS consent is NOT shared with third parties. Your phone number and text messaging preferences are kept confidential and used solely by Peak Income Advisors for our direct communication with you.

4. Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your experience. These tools help us:

Remember your preferences and login information
Understand how you use our website
Personalize content and recommendations
Analyze website performance and traffic patterns

You can control cookie settings through your browser preferences. Note that disabling cookies may limit functionality on our website.

5. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

If you believe your information has been compromised, please contact us immediately at spencer@peakincomeadvisors.com or (480) 331-9395.

6. Third-Party Sharing

We do NOT sell or rent your personal information to third parties.

We may share your information with:

Service Providers: Trusted partners who assist us in delivering our services (such as email providers, SMS platforms, and analytics tools) only to the extent necessary and under strict confidentiality agreements
Legal Authorities: When required by law or to protect our legal rights

Any service providers we work with are contractually obligated to maintain the confidentiality and security of your information.

7. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information and terminate the child's account.

8. Your Rights

You have the following rights regarding your personal information:

Right to Access: You can request a copy of the personal information we have collected about you
Right to Deletion: You can request that we delete your personal information, subject to certain legal obligations
Right to Opt Out: You can opt out of marketing communications by replying STOP to text messages or by contacting us directly
Right to Correction: You can request corrections to inaccurate information

To exercise any of these rights, please contact us at spencer@peakincomeadvisors.com or (480) 331-9395.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by updating the "Effective Date" at the top of this policy and, where appropriate, by sending you an email notification. Your continued use of our website and services following any changes indicates your acceptance of the updated Privacy Policy.

10. Link to Terms of Service

Please also review our Terms of Service, which contains important information about your use of our website and services.

11. Contact Us

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

Peak Income Advisors

Alldredge Wealth Strategies, LLC d/b/a Peak Income Advisors

Owner: Spencer Alldredge, CFP®

Email: spencer@peakincomeadvisors.com

Phone: (480) 331-9395

Address: 325 N Main St, Jameson, MO 64647

12. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law principles. Any legal proceedings or disputes arising from this policy or our privacy practices shall be subject to the exclusive jurisdiction of the courts located in Missouri.

Last Updated: February 2025 | Peak Income Advisors Privacy Policy