These SMS Terms and Conditions ("Terms") govern your use of text messaging services provided by Sniffer Skippers, a division of Commonwealth Financial Solutions, Inc. ("Sniffer Skippers," "we," "us," or "our"). By providing your mobile phone number and consenting to receive text messages, you agree to these Terms.

1. Program Description

Sniffer Skippers offers SMS text messaging as a communication channel for verification services, skip tracing updates, and service-related notifications. This service allows us to send you:

• Verification status updates
• Report completion notifications
• Service inquiries and responses
• Account-related information

2. Consent and Authorization

By providing your mobile phone number to Sniffer Skippers, you:

• Consent to receive text messages from Sniffer Skippers regarding your service requests
• Authorize Sniffer Skippers to use automated technology to send text messages
• Confirm that you are the subscriber or authorized user of the mobile phone number provided
• Agree to notify us immediately if you change your phone number

Consent is not required as a condition of service or purchase.

3. Message Frequency

The number of messages you receive will vary based on your service requests and communication preferences. During active verification or skip tracing services, you may receive multiple messages per week. We will make reasonable efforts to limit message frequency.

4. Message and Data Rates

Standard message and data rates may apply based on your mobile carrier's plan. Sniffer Skippers does not charge for text messages, but your mobile carrier may charge you for messages sent and received. Please contact your mobile carrier for information about your messaging plan and rates.

5. Supported Carriers

Our SMS program is available on major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, and others. Availability may vary by carrier.

6. Opt-Out Instructions

You may opt out of receiving text messages at any time by:

• Replying "STOP," "END," "QUIT," "UNSUBSCRIBE," or "CANCEL" to any text message from Sniffer Skippers
• Calling us at 540-732-9039 and requesting to opt out
• Sending a written request to: Sniffer Skippers, 7019 Everona Rd Ste B, Culpeper, VA 22701

After you opt out, you will receive one final confirmation message. You will not receive further text messages unless you re-consent to the program.

7. Help and Support

For help or more information:

• Reply "HELP" to any text message from Sniffer Skippers
• Call us at 540-732-9039
• Email us at [email protected]

8. Changes to Your Phone Number

You must notify Sniffer Skippers immediately if you:

• Change your mobile phone number
• Transfer your phone number to another person
• No longer wish to receive text messages

Failure to notify us may result in messages being sent to the new subscriber of your former number.

9. Prohibited Uses

You agree not to:

• Use the SMS service for any unlawful purpose
• Send spam, harassment, or abusive messages
• Attempt to interfere with the SMS service
• Impersonate another person or entity

10. Service Availability

Sniffer Skippers does not guarantee that the SMS service will be available at all times or that messages will be delivered without delay. Service may be interrupted due to:

• Mobile carrier network issues
• Technical problems
• Maintenance or updates
• Circumstances beyond our control

11. Privacy and Data Security

Your use of the SMS service is subject to our SMS Privacy Policy. We implement security measures to protect your information, but SMS is not a completely secure medium. You should avoid sending sensitive information (such as Social Security numbers or payment card information) via text message.

12. TCPA Compliance

Sniffer Skippers complies with the Telephone Consumer Protection Act (TCPA). We will only send text messages to numbers for which we have obtained proper consent. We use automated technology to send text messages, but you may revoke consent at any time by opting out.

13. Modifications to Terms

Sniffer Skippers reserves the right to modify these Terms at any time. We will notify you of material changes by text message or by posting updated Terms on our website. Your continued use of the SMS service after changes are posted constitutes acceptance of the modified Terms.

14. Termination

Sniffer Skippers may terminate or suspend the SMS service at any time, with or without notice, for any reason including:

• Violation of these Terms
• Service completion
• Technical or operational reasons

15. Disclaimer of Warranties

The SMS service is provided "as is" without warranties of any kind, either express or implied. Sniffer Skippers does not warrant that:

• The service will be uninterrupted or error-free
• Messages will be delivered in a timely manner
• The service will meet your specific requirements

16. Limitation of Liability

To the fullest extent permitted by law, Sniffer Skippers shall not be liable for any damages arising from:

• Delayed or undelivered messages
• Service interruptions or errors
• Unauthorized access to your messages
• Mobile carrier charges or fees

17. Indemnification

You agree to indemnify and hold Sniffer Skippers and Commonwealth Financial Solutions, Inc. harmless from any claims, damages, or expenses arising from your use of the SMS service or violation of these Terms.

18. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict of law principles.

19. Dispute Resolution

Any disputes arising from these Terms or the SMS service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

By providing your mobile phone number and consenting to receive text messages, you acknowledge that you have read, understood, and agree to these SMS Terms and Conditions.

This SMS Privacy Policy explains how Sniffer Skippers, a division of Commonwealth Financial Solutions, Inc. ("Sniffer Skippers," "we," "us," or "our") collects, uses, and protects information when you communicate with us via text message (SMS).

1. SMS Program Overview

Sniffer Skippers may use SMS text messaging to communicate with you regarding verification services, skip tracing, and related activities. This may include:

• Service request status updates
• Report completion notifications
• Verification confirmations
• Service updates and inquiries
• Responses to your questions

2. Consent

By providing your mobile phone number to Sniffer Skippers and consenting to receive text messages, you agree to receive SMS communications from us regarding your service requests. Consent is not a condition of purchase or service.

3. Information Collected via SMS

When you communicate with us via SMS, we may collect:

• Your mobile phone number
• The content of your text messages
• The date and time of messages
• Your mobile carrier information

4. How We Use SMS Information

Information collected through SMS is used to:

• Communicate with you about your service requests
• Provide verification and skip tracing services
• Respond to your questions and requests
• Comply with legal obligations
• Maintain records of our communications

5. Message Frequency

Message frequency varies depending on your service requests and communication preferences. You may receive multiple messages per week during active service periods.

6. Message and Data Rates

Standard message and data rates may apply based on your mobile carrier's plan. Sniffer Skippers does not charge for text messages, but your carrier may charge you for messages sent and received.

7. Opt-Out

You may opt out of SMS communications at any time by:

• Replying "STOP" to any text message from Sniffer Skippers
• Calling us at 540-732-9039
• Sending a written request to our mailing address

After you opt out, you will receive one final confirmation message. Please note that opting out of SMS does not stop other forms of communication regarding your service requests.

8. Help

For help or more information about our SMS program, reply "HELP" to any text message or contact us at 540-732-9039.

9. Supported Carriers

Our SMS program is supported by major carriers including AT&T, T-Mobile, Verizon, Sprint, and others. For a complete list of supported carriers, please contact us.

10. Information Sharing

SMS information may be shared with:

• Our clients who have requested verification or skip tracing services
• Our SMS service provider
• Legal counsel when necessary for legal proceedings
• Legal authorities when required by law

11. Data Security

We implement security measures to protect SMS communications, including encryption and secure storage. However, SMS is not a completely secure medium, and you should avoid sending sensitive information via text message.

12. Retention

SMS communications are retained as part of your service records for at least 7 years as required by applicable regulations.

13. TCPA Compliance

Sniffer Skippers complies with the Telephone Consumer Protection Act (TCPA) and will only send text messages to numbers for which we have obtained proper consent.

Sniffer Skippers, a division of Commonwealth Financial Solutions, Inc. ("Sniffer Skippers," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

We may collect personal information that you voluntarily provide to us when you:

• Request verification services through our portal
• Contact us via phone, email, or mail
• Request information about our services
• Engage with our skip tracing, employment verification, or bank verification services

This information may include: name, address, phone number, email address, Social Security number (when legally permissible), employment information, financial information, and other information relevant to verification and skip tracing activities.

2. How We Use Your Information

We use the information we collect to:

• Provide skip tracing and location services
• Conduct employment verification
• Perform bank verification services
• Conduct background checks and screening
• Communicate with you regarding your service requests
• Comply with legal obligations under applicable laws
• Improve our services and customer experience
• Maintain accurate records of our verification activities

3. Information Sharing and Disclosure

We may share your information with:

• Our Clients: We share information with the businesses or individuals who have requested verification or skip tracing services
• Legal Counsel: We work with legal professionals and may share information necessary for legal proceedings
• Service Providers: Third-party vendors who assist us in our operations (data providers, verification services, technology providers, etc.)
• Credit Bureaus: We may access credit reporting information as permitted by law for verification purposes
• Legal Authorities: When required by law, court order, or legal process

We do not sell your personal information to third parties.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encrypted data transmission and storage
• Secure access controls and authentication
• Regular security audits and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure.

5. Your Rights

Under applicable laws, you have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt out of certain communications
• File a complaint with relevant regulatory authorities

6. Communication Preferences

You may opt out of certain communications by:

• Sending a written request to our mailing address
• Calling us at 540-732-9039
• Following opt-out instructions in our communications

Please note that even if you opt out of marketing communications, we may still need to contact you regarding your service requests.

7. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Verification and skip tracing records are typically retained for at least 7 years as required by law.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date."

10. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these third-party sites.

11. California Privacy Rights

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect
• The right to delete personal information
• The right to opt-out of the sale of personal information (note: we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

12. Fair Credit Reporting Act (FCRA) Compliance

When we provide information that may be considered a consumer report under the Fair Credit Reporting Act, we comply with all applicable FCRA requirements. Our clients who use our services for employment, credit, or other FCRA-covered purposes must comply with FCRA obligations.

By using our services, you acknowledge that you have read, understood, and agree to this Privacy Policy.