Privacy Policy

Information We Collect

Car Costly Notes is an educational vehicle ownership budgeting website. We collect only the information needed to publish content, answer written inquiries, and deliver the text message program you choose.

• Full name submitted through our subscribe or contact forms.
• Email address, when you choose to provide one.
• Phone number, only when you choose to provide one for text messages.
• The SMS consent categories you selected, the consent language shown to you, the consent timestamp, and the page you submitted from.
• Message content you send us through the contact form.
• Limited technical data such as browser user agent and IP address when our form processor makes it available.

How We Use Information

We use the information you submit to respond to written inquiries, deliver the budgeting education you requested, maintain records of consent, keep an opt-out list, and improve the clarity of our published content.

We do not use your information to sell products, generate leads, screen eligibility, or route you to agents, dealers, lenders, insurers, or repair providers.

SMS Communications

If you check an SMS consent box, Car Costly Notes may text you about the vehicle ownership budgeting program you selected: recurring budgeting articles, expense tracking tips, ownership planning education, and content alerts. Message frequency varies. Msg & data rates may apply. Reply STOP to cancel and HELP for help.

SMS consent is optional, is never prechecked, and is never bundled with email consent or with our Terms of Use acknowledgment. Consent is not a condition of purchase, access, or use of this website.

Mobile Opt-In Data

Mobile opt-in data includes your phone number, the consent categories you selected, the exact consent language shown at submission, the consent timestamp, the source page, and any user agent or IP address captured by our form processor. We store this data to honor your preferences and to document consent if a messaging provider or carrier requests verification.

No Sale Or Sharing Of Mobile Opt-In Data

Mobile opt-in data, SMS consent, and phone numbers collected for SMS purposes will not be sold, shared, rented, released, or transferred to third parties for marketing, lead generation, or promotional purposes.

Mobile opt-in data is disclosed only to the messaging and hosting vendors that operate our program on our behalf, and only so those vendors can deliver or suppress messages. Those vendors may not use your data for their own marketing.

Cookies And Analytics

We may use basic cookies and privacy-conscious analytics to understand which articles are read and to keep the site working correctly. We do not use analytics data to build advertising profiles or to sell audience data. Most browsers let you block or delete cookies.

Data Retention

We keep consent records for as long as your subscription is active and afterward for as long as needed to document consent and opt-out history for compliance purposes. Contact form messages are kept only as long as needed to resolve your inquiry.

How To Opt Out

Reply STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT to any message to stop texts. Opt-out requests are processed immediately and we send a single confirmation message. After that we send no further messages unless you opt in again.

You may also email care@carcostlynotes.com or call +1 (307) 741-7537 to be removed from our lists.

Children's Privacy

This website is intended for adults. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected such information, we delete it.

Security

We use reasonable administrative and technical safeguards to protect the information we hold. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

Third-Party Links

Our articles may link to outside resources for reference. We do not control those websites and are not responsible for their content or privacy practices.

Changes To This Policy

We may update this Privacy Policy from time to time. When we do, we revise the effective date at the top of the page. Material changes to our SMS practices will be reflected here and in our SMS Terms of Service.