Privacy Policy

Financial Legacy Builders, LLC ("FLB," "we," "our," or "us") recognizes that our relationships with clients and prospective clients are based on integrity and trust. We value the information you share with us and are committed to protecting your privacy. This Privacy Policy explains how we collect, use, protect, and disclose your personal information.

1. Why We Collect Your Information

We collect personal information in order to:

• Design, implement, and deliver the investment and financial planning services we provide to you;
• Comply with federal and state laws, regulations, and compliance obligations that govern our firm; and
• Communicate effectively with you regarding your accounts, planning strategies, or regulatory updates.

2. Information We Collect and Maintain

We may collect the following types of nonpublic personal information ("NPI"):

• Information you provide directly: Name, address, email, phone number, Social Security number, date of birth, financial account information, and other identifiers provided in meetings, account applications, or consultation forms.
• Information we generate: Portfolio statements, investment analysis, planning documents, and notes relating to your financial needs.
• Information from third parties: Data from custodians, accountants, attorneys, or other financial service providers in connection with services we provide to you.

3. How We Use Your Information

Your information may be used to:

• Open and maintain accounts with custodians;
• Execute investment strategies and planning services tailored to your needs;
• Meet compliance, audit, and regulatory requirements;
• Provide client support and respond to inquiries; and
• Improve the quality of our services and website experience.

We do not sell, rent, or share your personal information for marketing purposes.

4. Information We Disclose

We are permitted by law to disclose NPI to unaffiliated third parties in certain circumstances. FLB may disclose your information:

• To non-affiliated third parties assisting with account servicing (e.g., custodians, sub-advisors, attorneys, accountants, record keepers);
• To service providers engaged by us (e.g., secure cloud storage, compliance archiving vendors, CRM platforms);
• To your authorized representatives (e.g., trustee, power of attorney, executor);
• When you have provided prior written consent;
• As part of a proposed or actual sale, merger, or transfer of the business; and
• As otherwise permitted by federal and state privacy laws and regulations.

We will not sell or disclose your contact information (including phone numbers or email addresses) for marketing purposes.

5. How We Protect Your Information

We restrict access to NPI only to employees and service providers who require it to provide services to you. We maintain administrative, physical, and electronic safeguards consistent with federal law to protect against unauthorized access, disclosure, or use of your information. All non-affiliated service providers engaged by us are required to maintain confidentiality standards.

6. Former Clients

Our Privacy Policy continues to apply even after you cease to be a client. We retain records as required by law and maintain strict confidentiality.

7. Your Privacy Rights

• You have the right to request information regarding our data collection and sharing practices.
• You may opt out of any non-required disclosures if we ever expand beyond those permitted under applicable privacy law.
• As required by Regulation S-P and the Gramm–Leach–Bliley Act, clients will receive an annual privacy notice.

8. Cookies and Website Analytics

Our website may use cookies or tracking tools to improve user experience and analyze website traffic. You can manage cookie preferences in your browser settings, though disabling cookies may affect website functionality.

9. Children's Privacy

This website is not intended for children under the age of 13. We do not knowingly collect personal data from children. If we learn we have collected data from a child, we will promptly delete it.

10. Third-Party Websites

Our website may include links to third-party websites for convenience. When you click such links, you leave our website. We make no representation as to the completeness or accuracy of information on these sites, and you assume all risk for using them.

11. Policy Updates

We may amend this Privacy Policy from time to time. Updates will be posted on this page with a revised "Effective Date." Your continued use of the Site after any changes constitutes acceptance of the updated policy.