Privacy Policy

1. Introduction

Smart Money Rx ("we," "our," or "us") is operated by CORDOC LLC. We are committed to protecting your privacy and handling your personal and financial information with the utmost care and security.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website (www.smartmoneyrx.com) and our financial advisory services.

2. Information We Collect

Personal Information

We may collect the following personal information:

• Name, email address, phone number
• Professional information (medical specialty, practice type, employer)
• Career stage and employment details

Financial Information

With your explicit consent, we may collect:

• Student loan details and repayment status
• Employment contracts and compensation information
• Insurance policies and coverage details
• Investment account statements and allocation
• Tax documents and filing information
• Real estate and mortgage information

Usage Information

• Device information and IP address
• Browser type and operating system
• Pages visited and time spent on our site
• Referring website or source

3. How We Use Your Information

We use your information to:

• Provide Services: Deliver personalized financial guidance and analysis
• AI Improvement: Enhance our AI advisor's recommendations for your specific situation
• Communication: Send service updates, educational content, and respond to inquiries
• Account Management: Process payments and manage subscriptions
• Legal Compliance: Meet regulatory and legal obligations
• Service Improvement: Analyze usage patterns to enhance our platform

4. Data Security and Storage

Security Measures

We implement industry-standard security measures including:

• Encryption: All data is encrypted in transit (TLS/SSL) and at rest (AES-256)
• HIPAA Compliance: Our servers are HIPAA and SOC 2 Type II certified
• Access Controls: Strict role-based access with multi-factor authentication
• Regular Audits: Quarterly security assessments and penetration testing
• Data Isolation: Your data is segregated and protected from unauthorized access

Data Storage

Your data is stored on secure, HIPAA-compliant servers located in the United States. We use enterprise-grade cloud infrastructure with automatic backups and disaster recovery protocols.

Access to Your Data

No human at Smart Money Rx has direct access to your uploaded documents or private conversations unless you explicitly grant permission for review. Our AI systems process your information automatically, and human review only occurs with your explicit consent for quality assurance or support purposes.

5. Information Sharing and Disclosure

We DO NOT:

• Sell your personal or financial information to third parties
• Share your information with advertisers or marketing companies
• Use your documents to train AI models
• Disclose your information without your consent (except as required by law)

Limited Sharing

We may share information only in these limited circumstances:

• Service Providers: Trusted vendors who help operate our platform (e.g., hosting, payment processing) under strict confidentiality agreements
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfer: In the event of a merger or acquisition, with advance notice to you
• With Your Consent: When you explicitly authorize sharing

6. Your Privacy Rights

You have the right to:

• Access: Request a copy of all personal information we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your data in a portable format
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Revoke previously granted permissions

To exercise any of these rights, contact us at: privacy@smartmoneyrx.com

7. Cookies and Tracking

We use cookies and similar technologies to:

• Maintain your login session
• Remember your preferences
• Analyze site usage and performance
• Improve user experience

You can control cookies through your browser settings. Disabling cookies may limit some functionality. See our Cookie Policy for details.

8. Data Retention

We retain your information for as long as your account is active or as needed to provide services. After account closure, we retain certain information for:

• Legal compliance (typically 7 years for financial records)
• Dispute resolution
• Enforcing our agreements

You may request earlier deletion by contacting us, subject to legal retention requirements.

9. Children's Privacy

Smart Money Rx is not intended for individuals under 18 years of age. We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it immediately.

10. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via email or prominent notice on our website at least 30 days before the changes take effect.

11. Contact Us