Privacy Policy

Welcome to futurepathadvisors.cloud (the "Website" or "Site"). We value your privacy and are committed to handling your personal information ("Personal Information" or "PII") responsibly. This Privacy Policy describes in detail how we collect, use, disclose, and protect information about visitors to our Site ("you" or "users"). It also outlines the options that may be available to you regarding your data. By visiting or using our Website or any related services (collectively, the "Services"), you consent to the practices described in this Privacy Policy. If you do not agree with this Policy, you should discontinue use of the Website. This Privacy Policy forms part of and is governed by our Terms of Use.

1. Notice at Collection of Information

   To operate this Website and offer our Services, we collect several categories of Personal Information. This can include basic identifiers, demographic details, commercial or transactional data, online activity and usage information, employment or professional details, limited sensitive data, and inferences that we or our partners draw from other information. The section titled "Personal Information We Collect, Use, and Share" below explains these categories in more depth and indicates when such information may be sold or shared as those terms are defined by applicable privacy laws.

   We keep Personal Information only for as long as needed to accomplish the purposes described in this Policy, meet our legal and regulatory obligations, resolve disputes, and enforce our agreements. When the information is no longer required, we will delete, de‑identify, or otherwise appropriately dispose of it, consistent with applicable law. You may seek to exercise your rights under relevant privacy statutes by contacting us using the details in the Contact Us section. To stop receiving promotional communications from us, you can use the "Unsubscribe" mechanism that may appear in our emails or other marketing messages.

2. Personal Information We Collect, Use, and Share

   1. Information You Provide. We receive information that you choose to submit directly through forms or other features on our Website. This may include your name, email address, mailing address, telephone number, employment and income details, date of birth, and any other data requested in connection with loan or service inquiries. Some portions of the Services may not function properly if you decide not to provide certain requested fields. Sharing this information is voluntary, but declining to do so may limit which services or features are available to you.
   2. Automatically Collected Information. When you access the Website, our systems and certain third parties automatically log information about your device and how you interact with the Site. Examples include your IP address, browser and device type, operating system, the pages you visit, links you click, the website you came from, the time and date of your visits, and general usage patterns. We and our partners rely on cookies and other tracking tools to gather and analyze this data. Additional information about these technologies appears in the Tracking Technologies section below.
   3. Information from Third Parties. We may also combine the information we collect from you with details obtained from third‑party sources, such as affiliates, service providers, marketing partners, social media platforms, data brokers, or publicly available records. Merging this data helps us operate the Website, improve our Services, personalize the content that we or our partners present, and better understand how users engage with our offerings.

3. How We Use Your Information

   We use Personal Information for numerous business and operational purposes, such as delivering the products and Services you request, providing customer support, maintaining security and preventing fraud, performing analytics, complying with legal obligations, and supporting advertising and promotional activities. In particular, we may use your information in the following ways:

   1. Deliver Services. We process the information you provide in order to deliver the Services you request and to share your information with participating lenders and financial service providers who may offer products that are relevant to your needs.
   2. Communicate with You. We use your information to contact you about your use of the Website, to send administrative notices, and to provide information about Services and offers that may be available from lenders or financial service providers. We also use your information to respond to questions, requests, or other communications you submit.
   3. Provide Functional Support. We use your information to process requests to connect you with lenders, manage and secure our Website, prevent and investigate fraud or abuse, troubleshoot issues, and support overall user experience and account management.
   4. Analyze and Improve Services. We analyze information to understand how users interact with the Website, evaluate the performance of our Services and marketing efforts, improve existing features, and develop new tools or offerings.
   5. Personalize Content and Experiences. We may use your information to tailor the content and messages that you see on the Website or in our communications so they are more closely aligned with your interests.
   6. Corporate Governance. We use Personal Information for routine business operations, including internal management, recordkeeping, audits, compliance, and planning for potential corporate transactions.
   7. Legal Obligations. We may process or retain information when necessary to comply with laws and regulations, including responding to subpoenas, court orders, government requests, and regulatory inquiries.
   8. Defend Our Legal Rights. We may use your information to help manage and defend against legal claims, disputes, or investigations, and to protect our rights, property, users, and interests.

4. Sharing of Personal Information

   We may share the information you provide with third parties so that we can deliver our Services and carry out the business purposes described in this Policy. These third parties may include participating lenders and financial service providers, marketing partners, affiliates, networks, and other service providers within our ecosystem. When we disclose information, we expect our partners to handle it in a manner that is consistent with applicable law and to use it only for the purposes for which it was provided, such as offering loans or financial products and services.

   In general, we may share your Personal Information with: (i) third‑party lenders and service providers to help connect you with financial products or services; (ii) technical vendors that provide hosting, analytics, customer support, email delivery, or marketing services; (iii) affiliates, networks, and advertisers that may present additional offers that could be of interest to you; and (iv) governmental or legal authorities when required to comply with law or protect people, property, or rights. More specifically, we may share information in the following ways:

   1. Product and Service Delivery. We may share any of the categories of Personal Information described in this Policy with third parties who assist in providing the products or services you request or that they offer to you directly.
   2. Website Functionality. We may share all categories of Personal Information described in this Policy with service providers we retain to perform technical, operational, or support functions, including web hosting, data processing, analytics, marketing assistance, and customer service.
   3. Third‑Party Products and Services. We may share all described categories of information with third parties—including affiliates, marketing partners, and data aggregators—who may use the information to offer their own products or services to you, subject to applicable law.
   4. Anonymized Information. We may share aggregated, de‑identified, or otherwise anonymized information that does not identify you personally. Such information may be combined with similar data from other users so that third parties can better understand how individuals use websites and services, and so that we can improve our marketing and operations.
   5. Acquisition or Merger. We may disclose or transfer your information to a third party that acquires all or part of our business or assets, or that merges with us as part of a corporate reorganization or similar transaction.
   6. Legal Process. We may disclose your information if we believe doing so is necessary or appropriate to comply with law or legal process, respond to requests from government or law‑enforcement authorities, enforce our terms and policies, protect the operation of our business or that of our affiliates, or safeguard the rights, privacy, safety, or property of Future Path Advisors, our users, or the public.

5. Do Not Track Signals

   Certain web browsers include a "Do Not Track" (DNT) feature that allows you to signal to websites that you prefer not to have your online activity monitored across different sites over time. Industry participants have not yet reached a common understanding of how to interpret these signals, and at this time our Website does not adjust its data‑collection practices in response to DNT browser settings.

6. Tracking Technologies

   We, and certain third parties, use cookies, pixels, web beacons, and similar technologies (collectively, "Tracking Technologies") to better understand how visitors use our Website, interact with our Services, and respond to our marketing. These tools help us operate the Site, improve performance, enhance user experience, and support advertising and analytics activities.

   Cookies are small text files that a website places on your device when you visit. When you return to the Website, your browser sends the stored cookies back to our servers so we can recognize your browser and remember certain settings or preferences. Web beacons and pixels are tiny pieces of code embedded in web pages or emails that help us measure things like page views, ad impressions, or email open and click‑through rates.

   As you browse the Website, our servers and these Tracking Technologies may automatically collect certain information that we then use to analyze trends, administer the Site, track user movements, and compile aggregated statistics. Some Tracking Technologies may be implemented by third‑party lenders, service providers, or advertising partners. Their use of Tracking Technologies is governed by their own privacy policies, and we do not control how they may collect or use your information.

   Most browsers let you decide whether to accept cookies and how to manage them. Please note, however, that cookies are a fundamental component of many online services, and disabling them may reduce the availability or functionality of some features of our Website or Services.

7. Your Privacy Rights

   We strive to give you meaningful choices about how your Personal Information is used and disclosed. Among other things, you may have options to opt out of certain marketing communications, manage your preferences about how we use information for advertising, or request access to information we maintain about you, subject to applicable law.

   Depending on where you live, you may have additional rights under state or federal privacy laws, including the California Consumer Privacy Act ("CCPA") and similar laws in other states. These state‑specific rights are summarized in the sections below for residents of California and for residents of Colorado, Connecticut, Utah, and Virginia.

8. Data Retention

   We keep Personal Information only for as long as reasonably necessary to accomplish the purposes outlined in this Policy, including providing the Services, meeting legal or accounting obligations, resolving disputes, and enforcing our agreements. When information is no longer needed, we will delete it, de‑identify it, or otherwise handle it in a manner consistent with applicable law and our internal policies.

9. Website Security

   We maintain technical, physical, and administrative safeguards intended to reduce the risk of unauthorized access, misuse, loss, or disclosure of your information. Although we work to protect your data and use commercially reasonable measures to safeguard it, no method of transmitting or storing information over the Internet can be guaranteed to be 100% secure.

10. Children's Privacy

    Our Website and Services are directed to adults and are not intended for children under 16 years of age. We do not knowingly collect Personal Information from children under 16. If we learn that we have inadvertently received Personal Information from a child under 16, we will take reasonable steps to delete that information as soon as practicable.

11. Changes to This Policy

    We may revise this Privacy Policy periodically to reflect updates in our data‑handling practices, technologies, legal requirements, or other operational needs. When we make material changes, we will post the updated Policy on the Website and, if required by law, provide additional notice. Your continued use of the Website after any changes become effective constitutes your acceptance of the revised Policy.

12. Notice to California Consumers — CCPA

    The California Consumer Privacy Act ("CCPA") grants California residents certain rights concerning their Personal Information. Depending on the circumstances, these rights may include the right to know what categories of Personal Information we collect, use, and disclose; the right to request deletion of certain information; and the right to opt out of certain "sales" or "sharing" of Personal Information, as those terms are defined under the CCPA. Additional information about how these rights may apply can be found in any separate CCPA disclosures we make available.

    California residents may also be interested in whether we respond to browser "Do Not Track" signals. As described above, there is currently no uniform standard for handling such signals, and we do not alter our practices in response to them at this time.

13. Notice to Residents of Colorado, Connecticut, Utah, or Virginia

    Residents of Colorado, Connecticut, Utah, and Virginia may have additional rights under their respective state privacy laws. Depending on the law, these rights can include the ability to request access to, correct, or delete certain Personal Information; obtain a portable copy of data; or opt out of specific processing activities such as targeted advertising or certain forms of data "sales." To exercise any applicable state‑specific rights, you may contact us using the information provided in the Contact Us section below. We may need to verify your identity before responding to your request.

14. United States Users Only

    Our Services are intended for individuals located within the United States. If you access the Website from outside the United States, you acknowledge that your information may be transferred to, stored, and processed in the United States, where data‑protection laws may be different from those in your home jurisdiction.

15. Contact Us

    If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your Personal Information, you may contact us using the information below:

    • Email: contact@futurepathadvisors.cloud