SILVA WEALTH LAB PRIVACY POLICY

Effective Date: September 4, 2026

Silva Wealth Lab is a DBA of All Things Faith & Family LLC (“SWL,” “we,” “us,” or “our”). This Privacy Policy explains how we collect, use, protect, and disclose information when you visit our website, request information, book a consultation, communicate with us, or use our services.

INFORMATION WE COLLECT

We may collect information you voluntarily provide, including your name, email address, telephone number, intake responses, appointment details, and communications with SWL. If you choose to request a credit pre-assessment or credit-related service, additional documents may be collected only through an approved secure submission channel.

Do not send Social Security numbers, account passwords, security answers, complete account numbers, or full credit reports through ordinary text messages or unencrypted email.

HOW WE USE INFORMATION

We may use information to respond to inquiries; provide requested consultations, assessments, education, or support; deliver appointment confirmations and service updates; maintain business records; operate and improve our services; prevent fraud; and comply with legal obligations. We do not guarantee credit-score increases, deletions, funding approvals, amounts, or timelines.

TEXT MESSAGING AND CONSENT

If you provide your mobile number and separately opt in, Silva Wealth Lab may send customer-care messages, appointment confirmations and reminders, intake instructions, secure upload links, assessment status updates, and occasional information about relevant SWL services. Message frequency varies. Message and data rates may apply. Consent is optional and is not a condition of purchase. Reply STOP to unsubscribe or HELP for assistance.

Mobile opt-in data and SMS consent will not be sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes. We may use service providers only as necessary to deliver messages and operate the requested service.

CREDIT-RELATED INFORMATION

Credit reports and supporting documents can contain sensitive personal information. SWL directs potential clients to an approved secure upload channel. Access is limited to authorized personnel and service providers who need the information for the requested assessment or service. We retain information only as reasonably necessary for business, legal, security, and service purposes.

HOW WE SHARE INFORMATION

We may share information with service providers that support scheduling, communications, secure storage, customer management, payment processing, or authorized credit-service operations; when required by law; to protect rights and security; or with your direction or consent. We do not sell personal information.

DATA SECURITY

We use reasonable administrative, technical, and organizational safeguards. No system is completely secure, so we cannot guarantee absolute security.

YOUR CHOICES

You may request access, correction, or deletion of certain information, subject to legal and operational requirements. You may opt out of marketing email using the unsubscribe link and opt out of SMS by replying STOP.

CALIFORNIA PRIVACY NOTICE

California residents may have rights regarding access, correction, deletion, and information about disclosure, subject to applicable law. SWL does not sell or share personal information for cross-context behavioral advertising. Contact us to submit a request.

CHILDREN’S PRIVACY

SWL services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13.

THIRD-PARTY SERVICES

Our website or communications may link to third-party services. Their privacy practices are governed by their own policies.

POLICY UPDATES

We may update this policy from time to time. The revised effective date will appear above.

CONTACT

Silva Wealth Lab

A DBA of All Things Faith & Family LLC

Email: [email protected]

Phone: 844-SWL-2340 (844-795-2340)