Privacy Policy

Full Spectrum Financial Solutions

Effective Date: June 1, 2025

1. Introduction

This Privacy Policy (“Policy”) explains how Full Spectrum Financial Solutions (“we,” “us,” or “our”) collects, uses, and protects your personal and financial information when you interact with our website at myretirementincomeforlife.com and our financial advisory and wealth management services (collectively, the “Services”). We are committed to protecting your privacy and handling your information responsibly.

2. Information We Collect

We may collect the following types of information:

Personal Information: Information you voluntarily provide, such as your name, contact details, financial profile, income, investment preferences, and company information. Sensitive Financial Information: Details about your financial accounts, assets, liabilities, transactions, and other information necessary to provide advisory services. Automatically Collected Information: Data collected through your browser or device such as IP address, device type, operating system, and browsing behavior.

3. Use of Your Information

We use your information to:

Provide personalized financial advice and wealth management services Respond to inquiries and deliver requested information Comply with regulatory and legal obligations (e.g., SEC, FINRA)Conduct analytics to improve our website and Services Communicate important updates, including marketing communications if you have opted in Detect and prevent fraud or unauthorized activity

4. Data Sharing and Disclosure

We may share your information with:

Third-party service providers such as custodians, brokers, clearing firms, compliance consultants, or IT service providers under strict confidentiality agreements Legal or governmental authorities when required by law or regulatory agencies Other entities as permitted or required under applicable laws

We do not sell your personal or financial information to third parties.

5. Data Security

We implement industry-standard security measures including encryption, secure servers, access controls, and regular security audits to protect your information from unauthorized access, alteration, or disclosure.

6. Data Retention and Destruction

We retain your information only as long as necessary to provide our Services and comply with legal obligations. When no longer needed, data is securely destroyed or anonymized.

7. Your Privacy Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or restrict the use of your personal data. To exercise these rights, please contact us as described below.

8. Use of Cookies and Analytics

We and third-party tools like Google Analytics use cookies and similar technologies to enhance user experience and analyze website traffic. You can disable cookies in your browser settings; however, this may affect site functionality.

9. Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect information from children.

10. Contact Us

If you have questions, concerns, or requests regarding your personal data or this Policy, please contact us at:

Email: [email protected]

Phone: 516-719-0150

11. Policy Updates

We may update this Privacy Policy periodically. Changes will be effective upon posting on our website. Please review this Policy regularly.