Privacy Policy

Last Updated 11/27/25

Telico, LLC d/b/a Smart Management Solutions (“SmartManagement”) is committed to protecting your privacy and is constantly working to give you a safe online experience. This “Privacy Policy” applies to the Site and governs data collection and usage. By using the Site, you consent to the data practices described in this Privacy Policy. Please read our Privacy Policy for more information.

1. Definitions

A. “Data” includes both Non-Personal Information and Personal Identifiable Information.

B. “Non-Personal Information” is any information that is not Personally Identifiable Information (defined below). Non-Personal Information includes, without limitation, Personally Identifiable Information that has been anonymized.

C. “Personal Information,” “Personally Identifiable Information,” “PII,” or “Personal Data” will have the meaning set forth in the applicable data privacy and security laws for the jurisdiction you are located in. In general, Personal Information is non-public information we receive from your use of the Site that can be used, alone or in combination with other information in our possession, to identify a particular person/individual. It may include information such as name, address, telephone number and other personal information you provide us.

D. “Site” refers to smartmanagement.com and any related blogs, domains, mobile sites, online services, and applications maintained by SmartManagement.

E. “We,” “us” and “our” means SmartManagement.

F. “You” and “your” mean the individual or entity visiting or using the Site.

2. Information Collected and Consent

You do not have to provide any Personally Identifiable Information to browse the publicly available pages of the Site; however, in order to obtain or use products or services that are or may be provided through the Site or that we may otherwise offer online or offline (collectively, the “Services”) you may be required to register and/or provide Personally Identifiable Information.

Personal Information Your Provide Us

We may collect Personal Information from you in a variety of ways, including, but not limited to, when you (i) register on the Site; (ii) fill out forms or fields on the Site or offline; (iii) complete an application for a product or service available through the Site; (iv) communicate with us through the Site or by email, mail, text, telephone, facsimile or other electronic means; (v) use the Site or authorize us to access any financial information stored or processed by a third party; (vi) provide us with Personal Information or other information; (v) participate in activities or utilize resources provided by or through SmartManagement, including without limitation, educational programs, scholarships or events. We may collect the following information about you depending on the nature of the transaction.

First and last name, and middle initial
Alias
Postal/mailing address
Billing address
Email address
Telephone number
Cellular telephone number
Geographic area
Title
Internet protocol address
ID verification/State drivers’ license number
Age/Date of Birth
Documents to verify your identity
Your occupation
Payment information
Background check information
Transaction and financial information related to the transaction • Information about your business, if applicable
Geolocation data
Inferences drawn from this personal information to create a profile about you. • Other

We will treat as personal information any item that, either alone or together with other information, we could use to identify an individual. Except as described below, we will not share with third parties any personal information without your permission.

By providing your Personal Information to us, you explicitly agree to our collection and use of such information as described in this Privacy Policy. By providing Personal Information belonging to another person, you expressly represent and warrant that you have the authority and right to do so, and that you obtained all appropriate and required consents.

We may also collect your Personal Information from sources that you have authorized to share with us or that you have authorized us to obtain information from.

We collect information about you from third parties related to transactions you are contemplating entering into with us or that you have entered into with us.

If you believe we received our personal information from a source without authority to share your personal information with us, please contact us so that we can resolve your complaint.

Information We Automatically Collect

SmartManagement may collect information about you automatically when you visit the Site, communicate through the Site, or use any of our online Services.

System Information: We may automatically receive certain information from your browser or mobile device, such as your browser type, the operating system of your device, the equipment you use to access the Site, and the unique identifier of your mobile device.

IP Address: We may also receive your IP address and the name of the internet service provider (“ISP”) or your mobile carrier.

Browsing Information: We may collect the URL of the site from which you came and the URL of the site you visit when leaving the Site or any of our online Services. and your activities on the Site, such as webpages you view and how you interact with those webpages.

Location: We may collect, depending on your device’s settings, location data and other types of information sent from third party services or GPS-enabled devices.

Site Usage: As you use the Site or any of our online Services, we may also collect information about such usage and your actions on the Site, such as pages you viewed, access times, and how long you spend on a page. We may use cookies to collect such information, as described in more detail below. This information is considered Non-Personal Information, which we can use for any purpose, including, without limitation, to help us improve the Site or the Services and to enhance your, and other users’, experience.

Aggregated Anonymized Data: We may also convert personal information into Non-Personal Information by excluding information that is personally identifiable. You acknowledge that Non-Personal Information and Personal Information that is converted into Non-Personal Information belongs to SmartManagement and that SmartManagement has the right to use such general information as it determines in its sole discretion.

3. Cookies, Advertising Platforms and Similar Technologies Used on the Site

The Site or our online Services may use “cookies,” or other identifiers, which may be stored on your device, to recognize you as a user when you return to the Site or use the online Services using the same computer and web browser and to maintain your preferences. We use cookies and other identifiers to identify which areas of the Site or online Services you have visited and how you interact with the Site. We also may use this information to better personalize the content you see on the Site or online Services, serve you with personal advertisements for SmartManagement and third-party products, either via email, on our Site, or on other websites on the internet does not store unencrypted Personal Information in the cookies. We also do not link Non-Personal Information from cookies to your Personal Information.

In addition, we use the services of advertising platforms to provide relevant marketing to consumers concerning our Services.

In general, we use four different types of cookies:

Strictly necessary cookies: These cookies are necessary to enable the basic features of the Site, including any of our applications, such as providing a secure login.

Functional cookies: These cookies allow our Site to remember your site preferences and choices you make on the Site. We also use functional cookies to facilitate navigation, to display content more effectively, and to personalize your experience.

Advertising cookies: Advertising cookies allow us to select which advertisements and offers you may like. We also use cookies to track online responses to advertisements and other marketing to better understand your interests so that we can present more relevant advertisements and messages to you.

Analytics cookies: Analytics cookies help us improve our website by collecting and reporting information on how you use it.

Disabling Cookies on Your Browser: Some browsers may allow you to manage the storage of cookies on your device. If supported by your browser, you may set your browser to refuse all cookies (or, sometimes all third-party cookies) or to alert you when a cookie is placed. However, if you select these setting, you may be unable to access certain parts of the Site or the online Services. Unless you have adjusted your browser setting to refuse cookies, the Site and online Services will issue cookies. For more information about how to manage your cookie preferences, use the ‘help’ menu of your web browser or explore the customer support sections of your web browser. To opt-out of all cookies or certain advertising cookies, visit the company website for your browser for instructions.

Opting-out of Personalized Ads: You can opt-out of receiving personalized ads from advertisers and ad networks that are members of the Network Advertising Initiative (“NAI”) or who follow the Digital Advertising Alliance (“DAA”) Self-Regulatory Principles for Online Behavioral Advertising using their respective opt-out tools. The NAI’s opt-out tool can be found here: http://www.networkadvertising.org/choices and the DAA’s opt-out tool can be found here: http://www.aboutads.info/choices/.

In addition, your mobile devices may offer settings that enable you to make choices about the collection, use, or transfer of mobile app information for online behavioral advertising (for example, Apple iOS’ Advertising ID and Google Android’s Advertising ID). Please note that opting out does not prevent the display of all advertisement to you.

We will use your personal information to provide the Services that your personal information was shared with us to fulfill. SmartManagement may use personal information for the following purposes:

A. To improve customer service: Your information helps us communicate more effectively with inquiries and existing customers, and to respond to your customer service requests and support needs.

B. To personalize user experience: We may use information in the aggregate to understand how our users as a group use the Services and resources provided on the Site.

C. To improve the Site: We continually strive to improve our Site and the Services based on the information and feedback we receive from you.

D. To provide products or services and to process transactions: Except as otherwise expressly provided in this Privacy Policy, we will use Data for the purposes of fulfilling our duties and providing the Services. SmartManagement may use Non-Personal Information for statistical analysis, product development, research, or other purposes. We may use the information that you provide about yourself or that you have provided to our customers for the purpose of providing and fulfilling the Services. We do not share this information with outside parties except to the extent necessary to provide the Services.

E. To send periodic mail, emails, and surveys: The email address you provide for the Services will only be used to send you information, newsletters, surveys, and updates pertaining to the Services requested, provided, or that we think you may be interested in. It may also be used to respond to inquiries and/or other requests or questions.

F. To develop new products or services: We use your Personal Information and Non Personal Information for research and commercial purposes. The information we collect may be used to develop new products or Services. Except as otherwise provided in this Privacy Policy, we may use your Personal Information and Non-Personal Information internally or, among other things, to offer our own or third-party products and Services. Only SmartManagement, its subsidiaries, its suppliers, contractors, or SM Property Manager LLC or it’s subsidiaries involved in distributing the new product or Service will have access to your Personal Information. Our subsidiaries, suppliers and contractors will be required to use any PII we provide to them only for that intended purpose and subject to the terms of this Privacy Policy.

G. Fulfillment Obligations: Comply with contractual obligations, relevant industry standards, and our policies.

H. For marketing: Except as otherwise expressly provided for in this Privacy Policy or except as prohibited by applicable law, SmartManagement may use your Personal Information and Non-Personal Information to enhance its networking, marketing, social, and recruiting activities, and for other similar business purposes. SmartManagement may also use your Personal Information and Non-Personal Information to contact you on behalf of external business partners about a particular offering that may be of interest to you. In these cases, your Personal Information is not transferred to the third party. We may also use Personal Information to provide you information regarding new products or services or to post testimonials from you related to our products or services. Personal Information is not shared with entities outside of SmartManagement other than service providers who assist us in carrying out these business functions. SmartManagement does not use or disclose sensitive Personal Information, such as race, religion, or political affiliations, without your explicit consent.

I. Compliance with applicable law: We may disclose your Personal Information as we may in our sole discretion determine is necessary or reasonably required to comply with law, applicable regulations, court orders or subpoenas; to enforce our Terms and Conditions; or to protect our rights, property, or safety; or the rights, property, or safety of others.

J. Security: Mitigate fraud, enhance the security of the Site, and manage institutional risk.

K. Change in the Site Ownership: If ownership of the Site or of SmartManagement changes, whether in whole or in part, information collected through the Site, or as a result of your use of the Services or our products, your Personal Information may be transferred to the new owner of the Site and/or SmartManagement, as the case may be, and any Services can continue. In that case, your Personal Information would remain subject to the terms and conditions of the applicable version of the Privacy Policy.

L. Payment Processing: For processing payments related to the products and Services we provide you.

5. Retention and Storage of Personal Information

We retain your Personal Information for as long as necessary to fulfill the purpose for which it was collected and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage. To determine the appropriate retention period for Personal Information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your Personal Information, the purposes for which we process your personal information, whether we can achieve those purposes through other means, and applicable legal requirements.

6. Security

We will use commercially reasonable methods to keep your Personal Information securely in our files and systems. When credit card numbers are transmitted through a field in a form on the Site requesting credit card numbers, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

7. Do Not Track

Your browser may provide you with the option to send a “Do Not Track” signal to websites you visit. This signal is used to request that websites not send the requesting device cookies, but websites have no obligation to respond to such signal or to modify their operation. Our online sites may not recognize all web browser-based “Do Not Track” signals. However, you may be able to modify your internet-enabled device’s web browser settings to block all cookies or third party cookies.

8. Exemptions from the Privacy Policy

Our Privacy Policy does not apply to any information you may send to SmartManagement by email or instant messaging programs (e.g., AOL, Yahoo, etc.), or through social media networks, even if you open such programs or services by clicking a link displayed on the Site. Email, social media, and instant messages are not recognized as secure communication forms. Please do not send any information you consider private to us by email or instant message or through social media sites (e.g., Twitter, Facebook, etc.) due to the public nature of such postings.

9. Links to Other Sites

The Site and the online Services may contain links to other websites. SmartManagement is not responsible for the actions, practices, or content of websites linked to, or from, the Site or the online Services. You understand such websites may require you to agree to their terms of use and that we have no control over these terms. As always, you understand it is your responsibility to verify your legal use of a website, and use of information from the website and the corresponding website owner.

10. Age of Consent

SmartManagement takes special care to protect the privacy needs of children under the age of 13 and we encourage parents to be an active participant in their child’s online activities. SmartManagement abides by the Children’s Online Privacy Policy Act (COPPA) and other relevant laws. The Site does not target and is not intended for children under the age of 13, and SmartManagement will not knowingly collect Personal Information directly from them. If SmartManagement discovers that a child has provided persona data directly through the Site, SmartManagement will eliminate that data. The Site is only intended for persons 18 years of age or older. If you are under the age of 18, you must ask a parent or legal guardian for permission prior to submitting any information to this Site.

If you have knowledge that a child 13 years of age or younger has submitted Personally Identifiable Information to us, please contact us and we will delete the Personal Information collected belonging to that child. You may contact us by writing to us at the address below. Parent and guardians can also contact us by mail but before any information is disclosed, the parent will be required to provide verification of his/her identity and authority related to any request. We will only send the information to the parent email address in the registration file.

11. CAN-SPAM Compliance Notice

SmartManagement fully complies with the federal CAN-SPAM Act. You can always opt-out of receipt of further email correspondence from us.

12. California Privacy Rights

Under Section 1798.83 of the California Civil Code, residents of California can obtain certain information with whom they have an established business relationship. That information is about the Personal Information those companies have shared with third parties for direct marketing purposes during the preceding calendar year. The law requires companies to inform consumers about the categories of Personal Information shared with third parties, the names and addresses of those third parties, and examples of the services or products marketed by those third parties. To request a copy of the information disclosure provided by SmartManagement under Section 1798.83 of the California Civil Code, please contact us via mail at the address below.

13. US State Law Privacy Rights

This Privacy Policy provides additional information to California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia residents whose Personal Information is collected pursuant to the California Consumer Privacy Act (“CCPA”)(as amended by the California Privacy Rights Act), Colorado Privacy Act (“CPA”), Connecticut Data Privacy Act (“CTDPA”), Delaware Personal Data Privacy Act (“DPDPA”), Florida Digital Bill of Rights (“FDBR”), Indiana Consumer Data Protection Act (“ICDPA”), Maryland Online Data Privacy Act (“MODPA”), Oregon Consumer Privacy Act (“OCPA”), Texas Data Privacy and Security Act (TDPSA”), Utah Consumer Privacy Act (“UCPA”), and Virginia Consumer Data Protection Act (“VCDPA”) and other states or countries that may adopt laws after the publication of this Privacy Policy, and other states that may adopt laws after the publication of this Privacy Policy (generically referred to as “Privacy Laws” or “US State Privacy Laws”). The following rights do not all apply under each of the foregoing Privacy Laws. Some states have adopted privacy laws that require specific disclosures. The following explains the rights you may have, depending on where you reside and the jurisdiction that SmartManagement is subject to related to your Personal Data. As applicable, the Privacy Laws supplement the information contained herein, in our general Privacy Policy, and applies solely to visitors, users and others who reside in jurisdictions that SmartManagement is subject to and that apply to you. Some or all of the privacy rights set forth below may apply to you. The following terms in this Section 13 supersede any inconsistent terms in any other sections of the Privacy Policy to the extent that any apply to you: We do not sell your personal information We do not sell your Personal Information. Under US State Privacy Laws, a business that sells personal information to others: 1) must give notice to that person before selling his/her personal information to others; and 2) must provide the right to opt-out of the sale of their personal information. Your Rights Under US State Privacy Laws 1. Right to Access and Know. You may request that we disclose the following information:

1. The categories of Personal Information we collected about you and the categories of sources from which we collected such Personal Information;
2. The specific pieces of Personal Information we collected about you;
3. The business or commercial purpose of collecting or sharing Personal Information about you;
4. The categories of Personal Information about you that we shared (as defined under the applicable privacy law) and the categories of third parties with whom we shared such Personal Information; and
5. The categories of Personal Information about you that we otherwise disclosed, and the categories of third parties to whom we disclosed such Personal Information (if applicable).

Under US State Privacy Laws, the right to obtain “specific pieces” does not grant a right to the whole of any document that contains Personal Information, but only the right to obtain items of your Personal Information. Additionally, you have a right to know “categories” of sources of Personal Information and “categories” of third parties to which personal information is disclosed, but not the individual sources or third parties. SmartManagement does not always track individualized sources or recipients. 2. Right to Request Correction of your Personal Information. You may request to correct inaccuracies in your Personal Information; 3. Right to Request Deletion of Your Personal Information. You may request to have your Personal Information deleted; 4. Right to Opt-out of Sharing for Cross-Context Behavioral Advertising. You may request to opt out of the “sharing” of your Personal Information for purposes of cross-context behavioral advertising. 5. Right to Data Portability. You have the right to request a copy of your data in a machine readable format. Verification of Requests to Exercise Rights. When receiving a request, we will verify that the individual making the request is the resident to whom the Personal Information subject to the request pertains. You may exercise your rights yourself or may use an authorized agent to make requests to disclose certain information about the processing of your Personal Information or to delete Personal Information on your behalf. If you use an authorized agent to submit a request, we may request that you provide us additional information demonstrating that the agent is acting on your behalf. Categories of Personal Information We Collect We collect information that identified you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device. “Personal Information” does not include public information available from government records, de-identified or aggregated information, or information that is protected by certain laws such as HIPPA for health-related information and the Gramm Leach Bliley Act for certain financial institutions. How We Use Your Information See above for how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. We are not required to (1) retain your Personal Information if collected for a single one time transaction if, in the ordinary course of business, that information would not be retained and (2) re-identify or otherwise link any data that, in the ordinary course of business, is not maintained in a way that would be considered personal information. Request to Delete We are not required to grant your deletion request if retaining the Personal Information is necessary for us or our service providers to:

1. 1. Complete the transaction for which the Personal Information was collected, fulfill the terms of a written warranty or product recall, or otherwise perform a contract between us and you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
  3. Debug to identify and repair errors that impact existing intended functionality. 4. Exercise free speech, ensure the right of another consumer to exercise that consumer’s right of free speech, or exercise another right provided for by law. 5. Comply with the California Electronic Communications Privacy Act. 6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest when the deletion of the public information is likely to render impossible or seriously impair the achievement of such research, if the consumer has provided informed consent.
  4. For solely internal uses that are reasonably aligned with your expectations based on your relationship with us.
  5. Comply with a legal obligation.
  6. Internally make otherwise lawful uses of your Personal Information that are compatible with the context in which you provided your Personal Information.

Opt-Out Request Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize Personal Information sharing with third parties. However, you may change your mind and opt back into Personal Information sharing with third parties at any time by mailing us at the address below. We will only use Personal Information provided in an opt-out request to review and comply with the request. We will act upon your opt-out request within 15 days of receipt. Non-Discrimination We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

1. - Deny you goods or services.
  - Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  - Provide you a different level or quality of goods or services.
  - Suggest that you may receive a different price or rate for goods and services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.

14. Cross-Border Data Transfer

Personal data voluntarily submitted to us online, via electronic communication, or otherwise, may be maintained or accessed in servers or files in the United States, which the European Union and UK have not deemed to provide “adequate” privacy protection. If you do not consent to having your personal data processed and stored in the United States, please do not provide it to us on the site or through any other means. SmartManagement contends that the General Data Protection Regulation (EU) 2016/679 and the United Kingdom’s equivalent do not apply to its processing of Personal Information and that it is not within the jurisdiction of the EU. All processing of PII is governed by the applicable laws of the United States of America.

15. How to Submit a Request to SmartManagement to Exercise Your Privacy Rights

You may submit your verifiable requests to SmartManagement at the address or email address set forth below.

Mailing a request to SmartManagement at:
Telico, LLC d/b/a SmartManagement
13443 Detroit Ave.
Lakewood, OH 44107
info@smartmanagement.com

Unless otherwise provided for under applicable privacy law, only you, or someone legally authorized to act on your behalf, may make a verifiable request to your Personal Information. Unless otherwise provided for in applicable privacy law, we are not required to provide you with Personal Information more than twice in a 12-month period.

We will not be able to respond to your request to provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you or someone you are authorized to request and receive the Personal Information on behalf of.

Unless legally obligated to respond in a shorter timeframe, we will try to respond to your request within forty-five (45) days of receipt of your written request. If we require more time (up to 90 days), we will inform you of the extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable
and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.

We may request specific information from you to help us confirm your identity and process your request. Applicable law may require or permit us to decline your request. If we decline your request, we will tell you why, subject to legal restrictions.

US APPEALS: If you are a resident in a state that provides any of the rights set forth in Section 13 and SmartManagement refuses to take action on your request related to any of the above specified rights or any other privacy related request, you may appeal SmartManagement’s refusal by clicking the link below, filling out the form and submitting it to us. We will inform you in writing of any action taken or not taken in response to your appeal within sixty (60) days of receiving your appeal. Our response will include a written explanation of the reason or reasons for our decision. If we deny your appeal, you may contact the attorney general in your state to file a complaint.

To submit an appeal, email us the basis for your appeal at
info@smartmanagement.com. Please include the following information in your email:

o Name
o Address
o Email Address
o What you are seeking
o Basis for your appeal

California: To file a complaint with the California Privacy Protection Agency, please click here.

Texas: To file a complaint with the Texas Attorney General, please click here. If the link to the Privacy Complaint Form is broken or otherwise not working, please navigate to this page to complete the complaint process and click the “Privacy Complaint Form”: https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint

16. Your Nevada Privacy Rights

Nevada law (SB 220) permits customers in Nevada to opt-out of the sale of certain kinds of Personal Information. A sale under Nevada law is the transfer of this Personal Information to third parties for monetary consideration so these third parties can then re-sell or license the sold information. We do not sell your Personal Information to third parties as defined in Nevada law. If you are a Nevada resident and wish to opt-out of the sale of your Personal Information, should we change our practices in the future, you must send a request to by mail.

17. Amendments

SmartManagement reserves the right to change the Privacy Policy from time to time as its sole discretion with or without notice. Revisions to the Privacy Policy regarding the use of Personal Information are not retroactive.

18. Employees, Contractors, and Job Applicants

To view or obtain a copy of our privacy policy related to employees, independent contractors, including individuals that perform work for SmartManagement that are not employees,dependents, emergency contacts and beneficiaries of employees or independent contractors, please contact us. See Section 19 for contact information.

19. Contact

If you have any questions about the Privacy Policy, or to report a violation of the Terms and Conditions, please contact us by mail at:

Telico, LLC, d/b/a SmartManagement
13443 Detroit Ave.
Lakewood, OH 44107
info@smartmanagement.com