Privacy Policy — FFC

Last Updated: June 15, 2026

1. Overview

FFC (Fairon Financial Corp, “FFC,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information through compliance with this Privacy Policy (“Privacy Policy”). This Privacy Policy describes how we collect, use, store, and protect information when you visit our website at https://www.faironfinancial.com, create an account, subscribe to our hosted platform, or otherwise interact with us (collectively, the “Platform”).

By accessing or using the Platform, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Platform.

FFC operates as a hosted, cloud-based SaaS subscription platform. As such, we collect and process certain information necessary to operate, maintain, and improve the Platform and to deliver Services to our subscribers.

2. Information We Collect

2.1 Information You Provide Directly

When you register for an account, subscribe to the Platform, or contact us, we may collect:

• Full name and business name
• Email address and phone number
• Billing and payment information (processed securely through our third-party payment processors — we do not store full credit card numbers)
• Account credentials (username; passwords are encrypted and never stored in plain text)
• Communications you send to us (support tickets, chat messages, emails)
• Any other information you voluntarily provide

2.2 Information Collected Automatically

When you visit our website or use the Platform, we may automatically collect:

• IP address and approximate geographic location
• Browser type, version, and operating system
• Pages visited, features used, and time spent on the Platform
• Referring URLs and click-path data
• Device identifiers and session data
• Cookies and similar tracking technologies (see Section 8)

2.3 Information From Third Parties

We may receive information about you from third-party services such as payment processors, authentication providers, or marketing platforms when you interact with those services in connection with FFC.

2.4 User Data (Subscriber-Controlled Data)

Subscribers may input or upload contact records, deal data, communication logs, and other business data (“User Data”) into the Platform. FFC stores User Data on behalf of the subscriber as a processor. FFC does not independently use, analyze, sell, or share User Data for any purpose other than operating and delivering the Platform to the subscriber.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To create and manage your account and subscription
• To process payments and billing
• To provide, operate, maintain, and improve the Platform
• To communicate with you about your account, subscription, updates, and support
• To send transactional notifications (e.g., billing receipts, service alerts)
• To enforce our Terms of Service and other agreements
• To comply with applicable legal obligations
• To protect the security and integrity of the Platform and its users
• To analyze usage trends and improve user experience (using aggregated, non-identifiable data)

We will not use your information for purposes that are incompatible with those listed above without your consent.

4. We Do Not Sell or Share Your Data

FFC DOES NOT SELL, RENT, TRADE, LEASE, OR OTHERWISE TRANSFER YOUR PERSONAL INFORMATION OR YOUR USER DATA TO ANY THIRD PARTY FOR MONETARY COMPENSATION OR FOR THEIR OWN MARKETING, ADVERTISING, OR COMMERCIAL PURPOSES — EVER.

We do not share your personal information or your User Data with data brokers, advertising networks, or any third party for the purpose of targeting you or your customers with advertisements.

This commitment applies to:

• Your personal account information
• Your subscribers' contact and deal data stored in the Platform
• Your SMS opt-in lists and communication records
• Any other data you input into or generate through the Platform

5. When We May Share Information

We share information only in the following limited circumstances:

5.1 Service Providers & Subprocessors

We work with trusted third-party vendors who help us operate the Platform (e.g., cloud hosting providers, payment processors, email delivery services, telephony/SMS providers, analytics tools). These vendors receive only the minimum information necessary to perform their services and are contractually prohibited from using your data for any other purpose.

5.2 Legal Requirements

We may disclose information if required to do so by law, court order, or governmental authority, or if we believe in good faith that disclosure is necessary to protect the rights, property, or safety of FFC, our users, or the public.

5.3 Business Transfers

In the event of a merger, acquisition, sale of assets, or similar corporate transaction, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on the Platform if such a transfer occurs and your data will remain subject to this Privacy Policy.

5.4 With Your Consent

We may share your information with third parties when you have given us explicit consent to do so.

In all cases, we do not sell, rent, or share your data for commercial gain or third-party advertising purposes.

6. SMS Communications & Opt-In Policy

6.1 SMS Opt-In Consent

FFC subscribers may use the Platform to send SMS messages to their own contacts and customers. The following governs how opt-in data is handled.

This section covers messages a subscriber sends to its own contacts. For FFC's own text message program — the customer care, account notification, and verification messages FFC sends directly to its customers.

Opt-In: Contacts must provide explicit, prior written consent before receiving SMS messages through the Platform. Consent is collected through one of the following methods:

• Submitting a web form that includes a clear SMS consent disclosure
• Signing a written agreement that includes an SMS consent clause
• Verbally consenting, where permitted by applicable law and properly documented

Required Opt-In Disclosure Language (for subscribers to use on their forms):

“By providing your phone number and submitting this form, you consent to receive SMS text messages from [Business Name] powered by FFC. Message frequency may vary. Message & data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.”

6.2 SMS Opt-Out

All SMS messages sent through the Platform must include opt-out instructions. Recipients may opt out at any time by replying STOP to any message. Upon receiving a STOP reply, the Platform will automatically suppress future messages to that number.

6.3 SMS HELP Response

Recipients may reply HELP at any time to receive assistance. The Platform will respond with the sender's business name and a contact method.

6.4 No Sharing of SMS Opt-In Data

SMS opt-in consent data, phone numbers collected for SMS purposes, and opt-in records are never sold, shared, or transferred to third parties for marketing or advertising purposes. This data is used solely to facilitate message delivery on behalf of the subscribing business.

6.5 Subscriber Responsibility

Subscribers are solely responsible for ensuring that all SMS communications sent through the Platform comply with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, carrier regulations including 10DLC requirements, and any other applicable federal, state, or local laws. FFC assumes no liability for a subscriber's failure to obtain proper consent or comply with messaging regulations.

7. Data Security

FFC implements industry-standard technical and organizational security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (TLS/SSL), encrypted storage, access controls, and regular security reviews.

However, no method of transmission over the internet or method of electronic storage is 100% secure. FFC cannot guarantee the absolute security of your data. You are responsible for maintaining the security of your account credentials and for any activity that occurs under your account.

FFC makes no guarantee or warranty regarding the security, integrity, or preservation of data stored on the Platform. You are strongly encouraged to maintain independent backups of all data you store on the Platform. Please refer to our Terms of Service for the full data liability disclaimer.

8. Cookies & Tracking Technologies

FFC's website uses cookies and similar tracking technologies to improve your browsing experience, analyze site usage, and support Platform functionality. You may configure your browser to refuse cookies; however, some features of the Platform may not function properly without them.

We do not use cookies or tracking technologies to sell your data or serve third-party advertisements.

9. Data Retention

We retain your personal information for as long as your account is active, or as long as necessary to provide you with the Services, comply with legal obligations, resolve disputes, and enforce our agreements. When you cancel your account, we may retain certain records for a reasonable period as required by law or for legitimate business purposes, after which your data will be deleted or anonymized.

User Data stored on behalf of subscribers will be handled in accordance with our Terms of Service, including deletion upon account termination.

10. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate or incomplete information
• Deletion: Request that we delete your personal information, subject to legal obligations
• Portability: Request that we provide your data in a portable format
• Opt-Out of Communications: Unsubscribe from marketing emails at any time via the unsubscribe link in any email
• Restriction: Request that we restrict processing of your data in certain circumstances

To exercise any of these rights, contact us at 1-888-440-4775. We will respond within a reasonable timeframe and in accordance with applicable law.

California Residents (CCPA): FFC does not sell personal information. California residents have the right to know what personal information we collect, the right to request deletion, and the right to opt out of sale — which is not applicable as we do not sell data.

EEA/UK Residents (GDPR): Where applicable, FFC processes personal data on the legal bases of contract performance, legitimate interests, and legal compliance. You have the right to lodge a complaint with your local data protection authority.

11. Children's Privacy

The Platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we have collected information from a child under 18, please contact us at 1-888-440-4775.

12. Third-Party Links

The Platform may contain links to third-party websites or services. FFC is not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

13. Limitation of Liability for Privacy Matters

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FFC SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, OR CLAIMS ARISING OUT OF OR RELATED TO ANY UNAUTHORIZED ACCESS TO, DISCLOSURE OF, OR LOSS OF YOUR PERSONAL INFORMATION OR USER DATA, INCLUDING BUT NOT LIMITED TO ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES. THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY. PLEASE REVIEW OUR TERMS OF SERVICE FOR THE FULL LIMITATION OF LIABILITY APPLICABLE TO YOUR USE OF THE PLATFORM.

14. Changes to This Privacy Policy

FFC reserves the right to update or modify this Privacy Policy at any time. When we make changes, we will update the “Last Updated” date at the top of this page and, where appropriate, notify you by email or through a notice on the Platform. Your continued use of the Platform after any changes constitutes your acceptance of the updated Privacy Policy.

15. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

FFC Support
Phone: 1-888-440-4775
Website: https://www.faironfinancial.com