PRIVACY POLICY

 

Clients Have A 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.

 

Forward Financial Group (“we” or “us” or “our”) respects the privacy of our users (“user” or “you”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website forwardfinancialgroup.com, including any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Site”). Please read this Privacy policy carefully. IF YOU DO NOT AGREE WITH THE TERMS OF THE PRIVACY POLICY, PLEASE DO NOT ACCESS THE SITE.

 

This Privacy Policy (“Policy”) applies to ForwardFinancialGroup.com, and Forward Financial Group (“Company”) and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include ForwardFinancialGroup.com. The Company’s website is a financial services site. By using the Company website, you consent to the data practices described in this statement.

 

Collection of your Personal Information

In order to better provide you with products and services offered, the Company may collect personally identifiable information, such as your:

 

-First and last name

-Mailing address

-Email address

-Phone number

 

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

 

Use of your Personal Information

The Company collects and uses your personal information in the following ways:

 

-to operate and deliver the services you have requested

-to provide you with information, products, or services that you request from us

-to provide you with notices about your account

-to carry out the Company’s obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection

-to notify you about changes to our ForwardFinancialGroup.com or any products or services we offer or provide through it

-in any other way we may describe when you provide the information

-for any other purpose with your consent.

 

The Company may also use your personally identifiable information to inform you of other products or services available from the Company and its affiliates.

 

Sharing Information with Third Parties

The Company does not sell, rent, or lease its customer lists to third parties.

 

The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information.

 

The Company may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the site; (b) protect and defend the rights or property of the Company; and/or (c) act under exigent circumstances to protect the personal safety of users of the Company, or the public.

 

Security of your Personal Information

The Company secures your personal information from unauthorized access, use, or disclosure. The Company uses the following methods for this purpose:

 

-SSL Protocol

 

When personal information (banking information for you policy) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

 

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed.

 

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

 

-Delete your personal information from our records; and

-Direct any service providers to delete your personal information from their records.

 

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

 

-Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, and provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

-Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal    activity; or prosecute those responsible for that activity;

-Debug to identify and repair errors that impair existing intended functionality;

-Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

-Comply with the California Electronic Communications Privacy Act;

-Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

-Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

-Comply with an existing legal obligation; or

-Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

 

Policy For Children
We do not knowingly solicit information from or market to children under the age of 18. If you become aware of any data we have collected from children under age 18, please contact us using the contact information provided below.

 

Email Communications

From time to time, the Company may contact you via email for the purpose of providing policy or contract updates, announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.

 

If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by clicking on the unsubscribe button.

 

External Data Storage Sites

We may store your data on servers provided by third-party hosting vendors with whom we have contracted.

 

Third-Party Websites
The Site may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave the Site, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information. Before visiting and providing any information to any third-party websites, you should inform yourself of the privacy policies and practices (if any) of the third party responsible for that website, and should take those steps necessary to, in your discretion, protect the privacy of your information. We are not responsible for the content or privacy and security practices and policies of any third parties, including other sites, services, or applications that may be linked to or from the Site.

 

SECURITY OF YOUR INFORMATION
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online is vulnerable to interception and misuse by unauthorized parties. Therefore, we cannot guarantee complete security if you provide personal information.

 

Controls For Do-Not-Track Features
Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Policy.

 

California Privacy Rights
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

 

If you are under 18 years of age, reside in California, and have a registered account with the Site, you have the right to request removal of unwanted data that you publicly post on the Site. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Site, but please be aware that the data may not be completely or comprehensively removed from our systems.

 

Changes to This Statement

The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Forward Financial Group, and/or by updating any privacy information. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy.

 

Contact Information

The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact the Company at:

 

Forward Financial Group

20 North High Street

New Albany, Ohio 43054

Email Address: ffg@forwardfinancialgroup.com

Phone Number:

614-775-9677

 

Effective as of June 19, 2024