CLIENTS HAVE THE RIGHT TO KNOW.
Forward Financial Group (FFG) is committed to keeping any and all personal information collected from potential clients confidential, secure, and private. The information collected is for the purpose of determining whether the creation of a personalized plan to provide a strategy to pay off debt is a viable tool for clients at this juncture of their lives, and if it is, to create the plan. The recommendations made by the FFG Associate are recommendations only, and implementation of them is the sole decision of the client.
WHAT PERSONAL INFORMATION DOES FFG COLLECT?
Most of the personal information FFG collects is obtained directly from the clients. During the appointment, FFG may gather personal information about clients from the following sources. • Information clients provide on applications, other forms, and during appointments. • Information third parties provide who may include agencies, other insurers, consumer reporting agencies, or health care providers. However, FFG collects only the information required as summarized in the first paragraph on this page.
HOW DOES FFG DISCLOSE THE CLIENTS’ INFORMATION?
FFG does not sell clients’ information. FFG may share clients’ personal information with affiliated companies in order to implement the clients’ personalized debt-elimination plan/Financial Freedom Plan. • FFG may share selected financial information about clients with our affiliated companies in order to better serve the clients and to offer worthwhile products and services. Such disclosures cannot be prevented. • FFG may disclose the information to other entities that provide business services to FFG related to transactions with the clients. Examples include authorized employees, representatives, and third parties. • FFG may cooperate with other financial institutions in order to bring additional products and services to the clients’ attention. FFG will disclose only financial information that is necessary to such individuals or companies who perform marketing services on FFG’s behalf; or to other financial institutions with whom FFG has agreements. • FFG may disclose information to anyone outside of the business when required by law, (such as to respond to a subpoena, prevent fraud, or to comply with an inquiry by a governmental agency).
WILL SOMEONE BE CONTACTING CLIENTS?
FFG will share clients’ information with affiliated companies in order to implement the clients’ debt elimination plan provided free of charge by FFG. Those companies may or may not contact the client via telephone or email to confirm information and gather further information if needed to further assist the clients with their financial plan. A list of those companies is provided below.
• Midland National Life Company (Life Division) • Legal Shield • Dan Pilla, Executive Director, Tax Freedom Institute • Midland National Life Company (Annuity Division) • Ann Arbor Annuity Exchange • Allianz • Great American Insurance Group • Global Atlantic Financial Group • Gradient Financial Group • Athene • Security Benefit • Fidelity & Guaranty Life • Nationwide • North American Company • Pacific Life • Union Home Mortgage • Major Mortgage • Realty Solutions, LLC • McAlvany, ICA• Columbus Bookkeeping and Business Services, Mark Centofanti, CPA • Landaker & Associates, Inc., Michelle Landaker Carrier, CPA, MBA • CompareQuote Insurance