Privacy Policy

FALKOR FINANCIAL | Privacy Policy

FALKOR FINANCIAL

Effective Date: January 1, 2025 | Last Updated: January 1, 2025

At Falkor Financial, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, use our services, or interact with our team. Please read this policy carefully. By using our services, you agree to the terms described below.

1. Who We Are

Falkor Financial is a financial services company offering education and products including Fixed Indexed Annuities (FIAs), life insurance, trusts and wills, retirement rollover assistance, and student debt repayment and forgiveness programs. We provide free consultations to evaluate your financial situation and provide personalized guidance.

2. Information We Collect

We may collect the following types of personal information from you:

a. Information You Provide Directly

• Full name, email address, phone number, and mailing address

• Date of birth and Social Security Number (when required for financial product applications)

• Financial information including income, assets, debts, and employment details

• Student loan details and federal loan account information

• Insurance and beneficiary information

• Documents submitted during consultations or product applications

b. Information Collected Automatically

• IP address, browser type, and device information

• Pages visited on our website and time spent on each page

• Referral URLs and search terms used to reach our website

• Cookies and similar tracking technologies

c. Information from Third Parties

• Information from insurance carriers, financial institutions, or federal loan servicers with your consent

• Credit or background information as permitted by law and with your authorization

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide and personalize our financial services and consultations

• To process applications for insurance policies, annuities, trusts, wills, and loan programs

• To communicate with you about your account, appointments, and service updates

• To comply with applicable federal and state laws and regulations

• To verify your identity and prevent fraud

• To improve our website and service offerings

• To send educational content, newsletters, or promotional materials (with your consent)

• To respond to your inquiries and provide customer support

4. How We Share Your Information

Falkor Financial does not sell your personal information. We may share your information only in the following limited circumstances:

a. Service Providers & Partners

We may share information with trusted third-party service providers who assist us in operating our business, including insurance carriers, annuity providers, estate planning attorneys, federal student loan servicers, and technology platforms. These parties are bound by confidentiality agreements and may only use your information as necessary to provide their services.

b. Legal & Regulatory Compliance

We may disclose your information when required by law, court order, or governmental authority, or to protect the rights, property, or safety of Falkor Financial, our clients, or others.

c. Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the successor entity. We will notify you prior to such a transfer.

d. With Your Consent

We may share information with other third parties when you provide explicit written consent.

5. Data Security

We take the security of your personal information seriously and implement industry-standard technical and organizational safeguards, including:

• Secure Socket Layer (SSL) encryption for data transmitted through our website

• Access controls limiting data access to authorized personnel only

• Secure storage of physical and electronic records

• Regular security assessments and staff training

While we strive to protect your information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we are committed to responding promptly to any suspected data breach.

6. Your Rights & Choices

Depending on your state of residence, you may have the following rights with respect to your personal information:

• Access: Request a copy of the personal information we hold about you

• Correction: Request correction of inaccurate or incomplete information

• Deletion: Request deletion of your personal information, subject to legal obligations

• Opt-Out: Opt out of receiving marketing communications at any time

• Data Portability: Request your data in a portable format where applicable

To exercise any of these rights, please contact us using the information provided in Section 10 below. We will respond to your request within 30 days.

7. Student Loan & Federal Program Data

When assisting with federal student loan repayment or forgiveness programs, we may need to access your Federal Student Aid (FSA) account information or communicate with your loan servicer on your behalf. This information is handled with the highest level of confidentiality and is used solely to facilitate your enrollment in eligible programs. We do not share this information with any third party outside of federal servicers or program administrators without your explicit

written consent.

8. Cookies & Tracking Technologies

Our website may use cookies and similar technologies to enhance your experience, analyze website traffic, and understand how visitors use our site. You may adjust your browser settings to refuse cookies; however, certain features of our website may not function properly without them. We do not use cookies to collect sensitive financial or personal identification information.

9. Children's Privacy

Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected information from a minor without verifiable parental consent, we will take steps to delete that information promptly.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of

your personal information, please contact us:

Falkor Financial LLC

Email: falkorfinancialllc@gmail.com

Phone: 623-322-8487

11. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Changes will be posted

to our website with an updated effective date. We encourage you to review this policy

periodically. Your continued use of our services following any changes constitutes acceptance

of the updated policy.

FALKOR FINANCIAL | Privacy Policy

Privacy Policy

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