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Privacy Policy

Privacy Policy for Freedom Path Financial

Effective Date: September 05, 2025

Freedom Path Financial (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://www.fp.financial (the “Website”), use our services for comprehensive financial planning, investment management, insurance, estate planning, and related financial products (collectively, the “Services”), or otherwise interact with us. By accessing or using our Website or Services, you consent to the practices described in this Privacy Policy.

We operate primarily in the United States, with offices in Maryland and Virginia, and provide Services to clients in states including New York, Texas, and West Virginia. We comply with applicable U.S. federal and state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) for California residents, even if our primary service areas do not include California. If you are a resident of the European Union (EU) or European Economic Area (EEA), we also adhere to the General Data Protection Regulation (GDPR) where applicable, particularly if we process your personal data in connection with offering goods or services to you or monitoring your behavior in the EU/EEA. We may update this Privacy Policy from time to time, and any changes will be posted on this page with the updated effective date. Your continued use of our Website or Services after such changes constitutes your acceptance of the revised policy.

1. Information We Collect

We collect information to provide, improve, and personalize our Services, which include financial planning (e.g., retirement, college, and tax planning), investment management, insurance strategies (e.g., life, disability, and long-term care), estate planning (including Sharia-compliant options), asset protection, wealth preservation, and business development solutions. This may involve handling sensitive financial details such as income, assets, investments, and family structures to create tailored plans that align with your goals and values.

a. Personal Information

We collect personal information that you voluntarily provide to us, such as:

  • Contact Details: Name, email address, phone number, mailing address, and preferences for contact when you submit a contact form, request a free consultation, schedule an appointment, or inquire about Services.
  • Financial and Planning Data: Details about your investments (e.g., types owned), total investable assets, current financial advisors or partners, income, debts, family members (e.g., for estate planning), and specific needs (e.g., retirement goals, insurance coverage, or Sharia compliance). This may include sensitive information like health details for insurance or religious preferences for Islamic estate planning.
  • Payment Information: If you engage in paid Services (e.g., advanced planning consultations), we collect billing details such as credit card numbers, expiration dates, and billing addresses. Note: We do not store full payment card details; these are processed securely by third-party payment processors (see Section 5 for details).
  • Account Information: If you create an account for ongoing Services, we collect username, password, and security questions.

b. Automatically Collected Information

When you interact with our Website, we automatically collect certain information using technologies like cookies and tracking tools:

  • Device and Usage Data: IP address, browser type, operating system, pages viewed, time spent on pages, referral sources, and clickstream data.
  • Location Data: Approximate location based on IP address (we do not collect precise geolocation without your consent).
  • Interaction Data: Details on how you navigate Services pages, view resources, or engage with educational content on financial topics.

c. Information from Third Parties

We may receive information about you from third-party sources, such as:

  • Analytics providers (e.g., Google Analytics) for Website usage insights.
  • Social media platforms (e.g., Facebook, LinkedIn) if you connect via our links or share content.
  • Partners in financial or legal services if you are referred to us.

We do not collect information about children under 13 years old (or under 16 in certain jurisdictions). If we become aware of such collection, we will delete it promptly.

2. How We Use Your Information

We use your information to deliver and enhance our Services while maintaining confidentiality, especially for sensitive financial and personal data. Specifically:

  • Providing Services: To develop customized financial plans, manage investments, recommend insurance products, create estate documents, and provide consultations or resources.
  • Communication: To respond to inquiries, send updates on your plans, provide business inspiration or consulting tips via email (if subscribed), or notify you of Service changes.
  • Improvement and Analytics: To analyze Website usage, refine our offerings (e.g., improving retirement calculators if implemented), and develop new tools.
  • Marketing: With your consent, to send promotional materials about our Services or related financial solutions.
  • Legal Compliance: To comply with laws, respond to legal requests, or enforce our terms.
  • Security: To detect and prevent fraud, unauthorized access, or abuse of our Services.

We do not use your information for automated decision-making that produces legal effects or similarly significant impacts without human oversight.

3. Data Storage and Retention

Your personal information is stored on secure servers located in the United States, hosted by reputable cloud providers compliant with industry standards (e.g., AWS). We retain your information only as long as necessary for the purposes outlined in this policy:

  • Account and financial planning data: For the duration of your engagement plus 7 years to comply with legal requirements (e.g., tax, financial regulations, and record-keeping laws).
  • Usage data: Up to 2 years for analytics.
  • Subscription or contact data: Until you unsubscribe or request deletion.

After retention periods, we securely delete or anonymize data. If you request deletion (see Section 7), we will comply subject to legal obligations.

4. Data Protection and Security Measures

We prioritize the security of your information, particularly sensitive financial details, using industry-standard measures:

  • Encryption: Data in transit (e.g., via HTTPS) and at rest is encrypted.
  • Access Controls: Role-based access limited to authorized personnel, including our team led by Yasir Zia, who undergo privacy training.
  • Firewalls and Monitoring: Regular vulnerability scans, intrusion detection, and incident response plans.
  • Data Minimization: We collect only what’s necessary and pseudonymize data where possible.
  • Breach Response: In the event of a data breach, we will notify affected users and relevant authorities (e.g., within 72 hours under GDPR or as required by CCPA/CPRA).

While we strive to protect your data, no system is infallible. You are responsible for maintaining the confidentiality of your account credentials.

5. Sharing Information with Third Parties

We do not sell your personal information. We may share it in limited circumstances:

  • Service Providers: With vendors for payment processing (e.g., Stripe), hosting (e.g., AWS), analytics (e.g., Google Analytics), or professional consultations (e.g., legal or Sharia experts for estate planning). These providers are contractually bound to protect your data and use it only for specified purposes.
  • Legal Requirements: If required by law, subpoena, or government request, or to protect our rights, safety, or property.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred with notice to you.
  • With Consent: For any other purpose with your explicit consent.

For CCPA/CPRA purposes, sharing with service providers does not constitute a “sale.” We do not share data with third parties for cross-context behavioral advertising without consent.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance functionality:

  • Essential Cookies: For site navigation, session management, and security.
  • Analytics Cookies: To track usage patterns (e.g., via Google Analytics).
  • Marketing Cookies: For personalized content, if you opt in.

You can manage cookies via your browser settings or our cookie consent banner (if implemented). Disabling cookies may limit Website functionality. We do not track users across third-party sites for advertising without consent. For more details, see our Cookie Policy (linked on the Website if available).

7. Your Rights and Choices

We respect your privacy rights. Depending on your location:

  • Access and Correction: Request a copy of your data or correct inaccuracies.
  • Deletion: Request deletion of your data, subject to legal retention requirements.
  • Opt-Out: Opt out of marketing communications, data sharing (under CCPA/CPRA), or cookies.
  • Do Not Sell/Share: California residents can opt out of any sale or sharing of personal information (though we do not sell data).
  • GDPR Rights (for EU/EEA residents): Includes portability, objection to processing, restriction, and withdrawal of consent. We process data based on consent, contract performance, or legitimate interests (e.g., providing Services).

To exercise rights, contact us (see Section 9). We respond within 30-45 days (extendable under law) without discrimination. For CCPA/CPRA, you may use an authorized agent. We verify requests using account details or other identifiers.

If unsatisfied, California residents can contact the California Attorney General; EU/EEA residents can lodge complaints with their data protection authority (e.g., via https://edpb.europa.eu/).

8. International Data Transfers

As a U.S.-based company, data is processed in the U.S. For EU/EEA users, we use Standard Contractual Clauses or other GDPR-approved mechanisms to ensure adequate protection. By using our Services, you consent to such transfers.

9. Contact Information

For privacy questions, concerns, or rights requests, contact our Data Protection Officer:

  • Email: yasir@fp.financial
  • Mailing Address: Freedom Path Financial, 5054 Dorsey Hall Drive, Suite 205, Ellicott City, MD 21042, USA (or 3975 Fair Ridge Dr Suite 315N, Fairfax, VA 22033, USA)
  • Phone: 855-559-4557

We aim to respond within 30 days. For CCPA/CPRA-specific requests, use the subject line “CCPA Request.”

Privacy Policy for Freedom Path Financial

Effective Date: September 05, 2025

Freedom Path Financial (“we,” “us,” or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://www.fp.financial (the “Website”), use our services for comprehensive financial planning, investment management, insurance, estate planning, and related financial products (collectively, the “Services”), or otherwise interact with us. By accessing or using our Website or Services, you consent to the practices described in this Privacy Policy.

We operate primarily in the United States, with offices in Maryland and Virginia, and provide Services to clients in states including New York, Texas, and West Virginia. We comply with applicable U.S. federal and state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA) for California residents, even if our primary service areas do not include California. If you are a resident of the European Union (EU) or European Economic Area (EEA), we also adhere to the General Data Protection Regulation (GDPR) where applicable, particularly if we process your personal data in connection with offering goods or services to you or monitoring your behavior in the EU/EEA. We may update this Privacy Policy from time to time, and any changes will be posted on this page with the updated effective date. Your continued use of our Website or Services after such changes constitutes your acceptance of the revised policy.

1. Information We Collect

We collect information to provide, improve, and personalize our Services, which include financial planning (e.g., retirement, college, and tax planning), investment management, insurance strategies (e.g., life, disability, and long-term care), estate planning (including Sharia-compliant options), asset protection, wealth preservation, and business development solutions. This may involve handling sensitive financial details such as income, assets, investments, and family structures to create tailored plans that align with your goals and values.

a. Personal Information

We collect personal information that you voluntarily provide to us, such as:

  • Contact Details: Name, email address, phone number, mailing address, and preferences for contact when you submit a contact form, request a free consultation, schedule an appointment, or inquire about Services.
  • Financial and Planning Data: Details about your investments (e.g., types owned), total investable assets, current financial advisors or partners, income, debts, family members (e.g., for estate planning), and specific needs (e.g., retirement goals, insurance coverage, or Sharia compliance). This may include sensitive information like health details for insurance or religious preferences for Islamic estate planning.
  • Payment Information: If you engage in paid Services (e.g., advanced planning consultations), we collect billing details such as credit card numbers, expiration dates, and billing addresses. Note: We do not store full payment card details; these are processed securely by third-party payment processors (see Section 5 for details).
  • Account Information: If you create an account for ongoing Services, we collect username, password, and security questions.

b. Automatically Collected Information

When you interact with our Website, we automatically collect certain information using technologies like cookies and tracking tools:

  • Device and Usage Data: IP address, browser type, operating system, pages viewed, time spent on pages, referral sources, and clickstream data.
  • Location Data: Approximate location based on IP address (we do not collect precise geolocation without your consent).
  • Interaction Data: Details on how you navigate Services pages, view resources, or engage with educational content on financial topics.

c. Information from Third Parties

We may receive information about you from third-party sources, such as:

  • Analytics providers (e.g., Google Analytics) for Website usage insights.
  • Social media platforms (e.g., Facebook, LinkedIn) if you connect via our links or share content.
  • Partners in financial or legal services if you are referred to us.

We do not collect information about children under 13 years old (or under 16 in certain jurisdictions). If we become aware of such collection, we will delete it promptly.

2. How We Use Your Information

We use your information to deliver and enhance our Services while maintaining confidentiality, especially for sensitive financial and personal data. Specifically:

  • Providing Services: To develop customized financial plans, manage investments, recommend insurance products, create estate documents, and provide consultations or resources.
  • Communication: To respond to inquiries, send updates on your plans, provide business inspiration or consulting tips via email (if subscribed), or notify you of Service changes.
  • Improvement and Analytics: To analyze Website usage, refine our offerings (e.g., improving retirement calculators if implemented), and develop new tools.
  • Marketing: With your consent, to send promotional materials about our Services or related financial solutions.
  • Legal Compliance: To comply with laws, respond to legal requests, or enforce our terms.
  • Security: To detect and prevent fraud, unauthorized access, or abuse of our Services.

We do not use your information for automated decision-making that produces legal effects or similarly significant impacts without human oversight.

3. Data Storage and Retention

Your personal information is stored on secure servers located in the United States, hosted by reputable cloud providers compliant with industry standards (e.g., AWS). We retain your information only as long as necessary for the purposes outlined in this policy:

  • Account and financial planning data: For the duration of your engagement plus 7 years to comply with legal requirements (e.g., tax, financial regulations, and record-keeping laws).
  • Usage data: Up to 2 years for analytics.
  • Subscription or contact data: Until you unsubscribe or request deletion.

After retention periods, we securely delete or anonymize data. If you request deletion (see Section 7), we will comply subject to legal obligations.

4. Data Protection and Security Measures

We prioritize the security of your information, particularly sensitive financial details, using industry-standard measures:

  • Encryption: Data in transit (e.g., via HTTPS) and at rest is encrypted.
  • Access Controls: Role-based access limited to authorized personnel, including our team led by Yasir Zia, who undergo privacy training.
  • Firewalls and Monitoring: Regular vulnerability scans, intrusion detection, and incident response plans.
  • Data Minimization: We collect only what’s necessary and pseudonymize data where possible.
  • Breach Response: In the event of a data breach, we will notify affected users and relevant authorities (e.g., within 72 hours under GDPR or as required by CCPA/CPRA).

While we strive to protect your data, no system is infallible. You are responsible for maintaining the confidentiality of your account credentials.

5. Sharing Information with Third Parties

We do not sell your personal information. We may share it in limited circumstances:

  • Service Providers: With vendors for payment processing (e.g., Stripe), hosting (e.g., AWS), analytics (e.g., Google Analytics), or professional consultations (e.g., legal or Sharia experts for estate planning). These providers are contractually bound to protect your data and use it only for specified purposes.
  • Legal Requirements: If required by law, subpoena, or government request, or to protect our rights, safety, or property.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred with notice to you.
  • With Consent: For any other purpose with your explicit consent.

For CCPA/CPRA purposes, sharing with service providers does not constitute a “sale.” We do not share data with third parties for cross-context behavioral advertising without consent.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance functionality:

  • Essential Cookies: For site navigation, session management, and security.
  • Analytics Cookies: To track usage patterns (e.g., via Google Analytics).
  • Marketing Cookies: For personalized content, if you opt in.

You can manage cookies via your browser settings or our cookie consent banner (if implemented). Disabling cookies may limit Website functionality. We do not track users across third-party sites for advertising without consent. For more details, see our Cookie Policy (linked on the Website if available).

7. Your Rights and Choices

We respect your privacy rights. Depending on your location:

  • Access and Correction: Request a copy of your data or correct inaccuracies.
  • Deletion: Request deletion of your data, subject to legal retention requirements.
  • Opt-Out: Opt out of marketing communications, data sharing (under CCPA/CPRA), or cookies.
  • Do Not Sell/Share: California residents can opt out of any sale or sharing of personal information (though we do not sell data).
  • GDPR Rights (for EU/EEA residents): Includes portability, objection to processing, restriction, and withdrawal of consent. We process data based on consent, contract performance, or legitimate interests (e.g., providing Services).

To exercise rights, contact us (see Section 9). We respond within 30-45 days (extendable under law) without discrimination. For CCPA/CPRA, you may use an authorized agent. We verify requests using account details or other identifiers.

If unsatisfied, California residents can contact the California Attorney General; EU/EEA residents can lodge complaints with their data protection authority (e.g., via https://edpb.europa.eu/).

8. International Data Transfers

As a U.S.-based company, data is processed in the U.S. For EU/EEA users, we use Standard Contractual Clauses or other GDPR-approved mechanisms to ensure adequate protection. By using our Services, you consent to such transfers.

9. Contact Information

For privacy questions, concerns, or rights requests, contact our Data Protection Officer:

  • Email: yasir@fp.financial
  • Mailing Address: Freedom Path Financial, 5054 Dorsey Hall Drive, Suite 205, Ellicott City, MD 21042, USA (or 3975 Fair Ridge Dr Suite 315N, Fairfax, VA 22033, USA)
  • Phone: 855-559-4557

We aim to respond within 30 days. For CCPA/CPRA-specific requests, use the subject line “CCPA Request.”