Effective Date: January 24, 2025
Last Updated: October 31, 2025

Future-Focused Wealth (“FFW,” “we,” “us,” or “our”) is a fiduciary financial planning and investment advisory firm committed to protecting your personal information and maintaining your trust. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our websites (ffwealth.co, futurefocusedwealth.com) or engage with us through our financial planning and investment management services.

Financial Services Notice: As a regulated financial institution, we comply with the Gramm-Leach-Bliley Act (GLBA) and Regulation S‑P. Nonpublic personal information (NPI) collected in the course of providing financial services is handled in accordance with our separate GLBA Financial Privacy Notice, which is included as Appendix A below.

If you have any questions or concerns about this policy, please contact us at info@ffwealth.co.

1. Information We Collect

We collect information directly from you, automatically when you use our websites, and from third‑party sources.

a) Information You Provide

• Name, mailing address, email address, and phone number
• Financial data: assets, income, account information, and investment goals
• Documents: financial statements, tax returns, estate documents
• Demographic data such as household composition and marital status
• Communications and preferences

Sensitive Information: We generally do not request or process sensitive data (race, religion, sexual orientation, health) unless voluntarily provided for financial planning purposes (e.g., HSA or insurance needs).

b) Information Automatically Collected

We may automatically collect:

• IP address, browser type, device information, and operating system
• Site usage data (pages visited, date/time stamps, clickstream data)
• Location data derived from IP address
• Log files, cookies, and similar tracking technologies

Cookies and Analytics: We use cookies to maintain functionality, improve user experience, and analyze website traffic. Google Analytics may collect pseudonymous data such as IP addresses, device identifiers, and engagement metrics. You can opt out at https://tools.google.com/dlpage/gaoptout.

c) Information from Other Sources

We may supplement data with information from:

• Public databases and marketing partners
• Financial custodians, vendors, or business partners
• Social media and referral programs

2. How We Use Personal Information

We process your information to:

1. Provide, improve, and personalize financial planning and investment services
2. Open and maintain accounts, verify identity, and satisfy regulatory requirements (KYC/AML)
3. Communicate with you about appointments, planning updates, or service changes
4. Send administrative and marketing communications (you may opt out)
5. Conduct analytics, security, and fraud prevention
6. Comply with applicable laws and respond to regulatory inquiries

We process your information only when legally permitted — typically under contractual necessity, legitimate interest, consent, or legal obligation.

3. Sharing and Disclosure

We may share personal information as follows:

• Service Providers: Hosting, CRM, analytics, e‑signature, IT security, and scheduling vendors operating under confidentiality agreements.
• Financial Institutions: Custodians, broker‑dealers, and other intermediaries necessary for your accounts.
• Affiliates: To support operations under this policy.
• Regulators and Legal Authorities: SEC, FINRA, or state agencies as required by law.
• Business Transfers: During mergers, acquisitions, or reorganizations.
• With Your Consent or Direction.

We do not sell personal information and do not share it for cross‑context behavioral advertising. If we introduce advertising cookies, you may opt out and we will honor Global Privacy Control (GPC) signals.

4. Cookies and Tracking Technologies

Cookies and web beacons help us operate securely and efficiently. Some cookies are essential for functionality; others support analytics or (if enabled) marketing.

5. Data Retention

We retain personal data only as long as necessary for business, legal, and regulatory purposes, including:

• Client records: 5–7 years after relationship ends
• Compliance materials: As required by FINRA/SEC rules
• Marketing and analytics: 24 months after last interaction

When no longer needed, we securely delete or anonymize data.

6. Security

We implement administrative, technical, and physical safeguards to protect your data, including encryption in transit and at rest, limited access, vendor audits, and incident‑response protocols.
However, no method of transmission over the Internet is 100% secure; use the website at your own discretion.

7. Children’s Privacy

We do not knowingly collect or market to anyone under 18. If we learn a minor’s data has been collected, we delete it promptly. Parents or guardians may contact us at info@ffwealth.co.

8. Your Privacy Rights

Depending on where you live, you may have rights to:

• Access, correct, or delete personal data
• Receive a portable copy
• Opt out of targeted advertising or profiling
• Limit the use of sensitive personal data
• Appeal a decision on your request

To exercise your rights: Email info@ffwealth.co or mail us at 5301 Alpha Rd Ste 80‑222, Dallas, TX 75240.
We may need to verify your identity. Authorized agents may act on your behalf with proof of authorization.

We honor Global Privacy Control (GPC) and other recognized opt‑out signals.

9. Do‑Not‑Track (DNT)

Currently, no standard governs DNT signals, so we do not respond to them. If an industry standard emerges, we will update this policy accordingly.

10. U.S. State‑Specific Rights (CCPA, CPRA, CPA, TDPSA, etc.)

Residents of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, Vermont, Virginia, and similar jurisdictions have rights under state privacy laws.

We do not sell or share personal information. We collect identifiers, professional information, internet activity, and inferences as described in Section 1.

To exercise your rights, contact us using the methods above. We will acknowledge and respond within the timelines set by law.
If your request is denied, you may appeal by emailing info@ffwealth.co with the subject line “Privacy Appeal.”

11. International Users

If you access our website outside the U.S., your data may be transferred and processed in the U.S. or other countries with different data protection standards. Where required, we use appropriate safeguards (e.g., Standard Contractual Clauses) to protect your information.

12. Updates to This Policy

We may revise this Policy periodically. The “Last Updated” date reflects the latest version. Material changes will be announced via our website or direct notice.

13. Contact Us

Future‑Focused Wealth
Attention: Privacy Department
5301 Alpha Rd Ste 80‑222
Dallas, TX 75240 USA
Email: info@ffwealth.co
Phone: 972-707-1731

Appendix A — GLBA/Regulation S‑P Financial Privacy Notice

We collect nonpublic personal information (NPI) such as your name, address, account numbers, holdings, and financial history to provide financial services. We may share NPI only with:

• Service providers assisting with account administration
• Custodians and financial institutions as required to manage your accounts
• Regulators and auditors as required by law
• Affiliates for operational purposes

We do not sell NPI or share it for non‑affiliate marketing. Access is restricted to those who need it to service your accounts.

Appendix B — Data Retention and Rights Log

Appendix C — State Law Summary

Appendix D — Contact for Complaints

If unresolved, you may contact your state’s Attorney General or privacy regulator. For SEC‑regulated client matters, contact the SEC Office of Investor Education and Advocacy.

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