As a client of Fixed Cost Financial, Inc., you have entrusted to our care, your hard-earned money and your personal financial data. We recognize that your relationship with us is based on trust and the confidence that we will act responsibly and in your best interest. We have the highest confidence in our ability and standards in the safekeeping and use of your information.
Be advised that we do not sell client or prospective client information to anyone under any circumstance. Your information is primarily used to complete transactions that you request or to make you aware of services that we offer as a Registered Investment Advisor.
The types of information FCF gathers,
How FCF uses information,
With whom FCF might share information,
The means by which FCF keeps information secure, and
The choices you have about how you share information with us.
Information You Provide
Information FCF Collects from Other Sources
FCF may collect information about you from third-parties, including but not limited to third-party verification services, credit bureaus, mailing list providers, and other publicly available sources. This information may include your Social Security number. FCF is intended for the sole use of citizens or legal residents of the United States or its territories.
Use of Information
FCF uses information about you to provide, maintain, and improve FCF services and to deliver the information and support your request, including receipts, notices, support and administrative messages. FCF also uses information about you to personalize FCF services. FCF may use information FCF collects to send you news and information about FCF web based services.
We communicate with you about products and services offered by our select partners and us. FCF may also use information about you to track and analyze trends and usage in connection with our services, to protect our rights or property, to verify your identity, to investigate and prevent fraud or other illegal activities, and for any other purpose disclosed to you in connection with our services. FCF may itself or through a third-party service providers to, process and store personal information in the United States and other countries.
Sharing of Information
FCF may share personal information about you as follows:
With third parties to provide, maintain, and improve our services, including service providers who access information about you to perform services on our behalf (e.g., fraud prevention and verification services), including financial institutions, processors, payment card associations, and other entities that are part of the payment process.
In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business.
If FCF believes that disclosure is reasonably necessary to comply with any applicable federal or state law, regulation, legal process, or governmental request by an entity of the United States of America; to enforce applicable user agreements or policies; to protect the security or integrity of our Services; and to protect us, our users or the public from harm or illegal activities.
With your consent.
FCF may also share aggregated, non-personally identifiable information with third parties; however, FCF will not sell your personal information to anyone.
FCF takes reasonable measures, including administrative, technical, and physical safeguards, to help protect personal information from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction.
Your Privacy Choices
You must update and keep correct information about yourself on file by logging into your Inbox. Should you deactivate your account, FCF is required by federal and state law to retain archived copies of information about you and your transactions for a period-of-time that is consistent with the most restrictive applicable law within the United States of America.
When you launch the FCF website, you may be asked to consent to the collection of location information. FCF may require this location information in order to provide our services; therefore, if implemented and you do not consent to this collection, you cannot use our services. If you initially consent to our collection of location information, you can subsequently stop our collection of location information at any time by changing the preferences on your website access device; however, if you do so, your Agreement with FCF is immediately null and void.
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies; however, our services may not function properly if you do so.
You may opt out of receiving emails or text messages from FCF; however, this is how you will be notified of communications in your Inbox. The Inbox is a mutually mission critical component of our services and is not optional but mandatory. If you opt out from receiving emails or text messages, your Agreement with FCF is immediately null and void as such messages are absolutely necessary Fixed Cost Financial, Inc.
Online Privacy Protection
Our website uses some of the most secure forms of online communication available, including data encryption, Secure Sockets Layer (SSL) protocol, and user names and passwords. These technologies provide a high level of security and privacy when you access your account information, initiate online transactions, or send secure messages.
FCF offers customized features that require our use of "HTTP cookies" and similar data files—tiny pieces of information that we ask your browser to store. However, we make very limited use of these data files. We don’t use them to pull data from your hard drive, to learn your e-mail address, or to view data in cookies or other similar data files created by other websites. We will not share the information in these data files or give others access to it—except to help us better serve your investment needs.
When you visit our website, we may collect, either directly or through third-party service providers, certain technical and navigational information, such as computer browser type, internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you to software compatibility issues or to resolve technical or service problems, or it may be analyzed to improve our web design and functionality and our ability to serve you and your accounts.
For security reasons, we will end your session automatically if you have been inactive for a period of time. We reserve the right to adjust the inactivity period from time-to-time.
FCF restricts access to information about you to those FCF employees who need to know the information in order to perform their jobs, such as servicing your accounts or notifying you of new products and services. To protect your personal information, we maintain physical, electronic, and procedural safeguards in keeping with industry standards and practices, and we review and adjust.
What You Should Do
For your protection, we strongly recommend that you do not provide your account information, user name, or password to anyone. If you become aware of any suspicious activity relating to your account, it is your responsibility to contact us immediately.
Please contact our Privacy Department with any questions or concerns regarding our policy.
Fixed Cost Financial, Inc
200 NW 52nd Avenue
Ocala, Florida 34482
P: (212) 433-2525
Last Updated: May 15, 2018