Privacy Policy

Last Updated: October 29, 2026  |  Effective Date: October 29, 2026

At Financial Resource Management, Inc., we are committed to protecting your privacy and personal data. This Privacy Policy (“Policy”) explains how we collect, use, disclose, and protect your personal data when you visit our website, www.frmnc.com, and use our services. We comply with applicable U.S. privacy laws, including but not limited to:

  • California Consumer Privacy Act (CCPA) / California Privacy Rights Act (CPRA)

By using our website, you agree to the collection and use of personal data in accordance with this Policy.

1. Introduction and Scope

This Policy applies to all personal data processed by Financial Resource Management, Inc. in connection with our services and website visitors.

Our Contact Details:
Financial Resource Management, Inc.
211 E. Six Forks Road, Suite 118
Raleigh, NC 27609
Mailing address: P.O. Box 19596, Raleigh, NC 27619
Phone: (919) 856-1968  |  Toll Free: (800) 487-1786
Email: info@frmnc.com
Contact Us form

We encourage you to read this Policy carefully to understand our practices regarding your data and how we will treat it.

2. Information We Collect

We collect various types of information for different purposes to provide and improve our services to you. We only collect data that is necessary for the stated purposes.

2.1. Personal Data

This includes information that can be used to identify you directly or indirectly. The categories of personal data we may collect include:

  • Identifiers: Name, email address, postal address, phone number, IP address, online identifiers.
  • Personal and Family Information: Date of birth, sex, marital status, expected retirement age, and the names, birth dates, and relationships of your dependents, when you provide them in our Personal and Financial Data form.
  • Financial Information: Income, assets and account values, debts, insurance, real estate, and estate planning information, when you provide them in our Personal and Financial Data form.
  • Communications: Information you provide when contacting us, such as inquiries submitted through our contact forms.
  • Professional or Employment-Related Information: Employer and business phone number.

2.2. Usage Data

When you access our website, we may automatically collect certain information, including:

  • Device Information: IP address, browser type, browser version, operating system, unique device identifiers.
  • Usage Patterns: Pages visited, time spent on pages, referral source, navigation paths.
  • Location Data: General location derived from your IP address.
  • Cookies and Tracking Technologies: Information collected through cookies, pixels, and similar technologies, as described in Section 2.4.

2.3. Sensitive Personal Information

We may collect, use, store and otherwise process certain types of personal data that are considered sensitive or protected data under applicable data protection laws. This may include, depending on your location and the services we provide:

  • Financial account information (where considered sensitive under applicable law)

We only process this type of data when:

  • You have given your explicit consent, where required
  • It is necessary to provide a service you have requested
  • It is required or authorized by law
  • It is necessary for the establishment, exercise, or defense of legal claims

We implement appropriate safeguards to protect this information, including:

  • Access restrictions and role-based controls

We will never use sensitive personal data for marketing or profiling without your explicit consent where required.

Your rights regarding this data, including access, correction, deletion, objections, and withdrawal of consent, may vary depending on your jurisdiction. Please refer to the “7. Your Data Protection Rights” section of this policy or contact us at info@frmnc.com for further details.

2.4. Tracking Technologies

We and our third-party partners may use a variety of tracking technologies to collect information about your interactions with our website and services. These include:

  • Cookies: Small text files stored on your device that help us remember your preferences, enable functionality, and analyze site usage. These are set by both our website (first-party cookies) and via our partners (third-party cookies), including Google reCAPTCHA, which we use on our forms to protect against spam and abuse.
  • Tracking Scripts / Analytics Tools: Software (such as Google Analytics and Google Tag Manager) that collects information about how you interact with our website.
  • Web Beacons / Pixels: Tiny graphic images or scripts embedded in web pages, including those of our advertising partners such as The Trade Desk, that track whether you have accessed certain content and help us measure and deliver advertising.
  • Local Storage: Technologies such as HTML5 local storage and browser cache, which store information locally on your device for faster access and improved experience.
  • Session Storage: Temporary storage of data during your browser session, which is cleared when you close your browser.
  • Log Files: Automatically recorded information about your device and usage upon each visit.

These technologies may be used for purposes such as enabling website functionality, remembering user preferences, providing analytics, enabling personalized ads, and maintaining the security of our services.

You may adjust your browser or device settings to limit or disable some tracking technologies, though certain features may not function properly without them.

3. How We Use Your Information

We use the collected data for the following purposes:

  • To Provide Our Services: To respond to your requests and deliver the services you request.
  • To Send You Communications: Where you have opted in, to send you information about our services, events, and news.
  • For Customer Support: To respond to your inquiries and resolve issues.
  • For Analytics and Research: To monitor and analyze trends, usage, and activities in connection with our services.
  • For Security and Fraud Prevention: To detect, prevent, and address technical issues, fraud, or illegal activities.
  • To Comply with Legal Obligations: To meet our regulatory and legal requirements.
  • For Advertising: To deliver targeted advertisements to you (where you have opted in or as permitted by law).

4. How We Share Your Information

We may share your personal data with third parties in certain circumstances, always ensuring appropriate safeguards are in place.

4.1. Service Providers: We may engage third-party companies and individuals to facilitate our services, perform service-related services, or assist us in analyzing how our service is used (e.g., hosting providers, analytics providers, email service providers). These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

4.2. Advertising Partners: We work with advertising partners that use cookies, pixels, and similar technologies on our website to collect information such as device identifiers and pages visited, in order to deliver and measure advertisements. See Section 7.2 for how to opt out.

4.3. Business Transfers: If Financial Resource Management, Inc. is involved in a merger, acquisition, or asset sale, your personal data may be transferred. We will provide notice before your personal data is transferred and becomes subject to a different privacy policy.

4.4. Legal Requirements: We may disclose your personal data in the good faith belief that such action is necessary to:

  • Comply with a legal obligation (e.g., subpoena or court order).
  • Protect and defend the rights or property of Financial Resource Management, Inc.
  • Prevent or investigate possible wrongdoing in connection with the service.
  • Protect the personal safety of users of the service or the public.
  • Protect against legal liability.

4.5. With Your Consent: We may disclose your personal data for any other purpose with your explicit consent.

4.6. Aggregated or De-identified Data: We may share aggregated or de-identified information that cannot reasonably be used to identify you.

5. Data Storage Location

Your information, including personal data, may be transferred to — and maintained on — servers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

6. Data Security and Retention

6.1. Data Security: We employ industry-standard technical and organizational security measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption: Using SSL/TLS encryption for data in transit (HTTPS).
  • Access Controls: Restricting access to personal data to authorized personnel only.
  • Data Minimization: Collecting only necessary data.

While we strive to use commercially acceptable means to protect your personal data, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

6.2. Data Retention: We will retain your personal data only for as long as is necessary for the purposes set out in this Policy, unless a longer retention period is required or permitted by law (e.g., for legal, regulatory, tax, or accounting purposes).

When we no longer need your personal data, we will securely delete or anonymize it in accordance with applicable law.

7. Your Data Protection Rights

Depending on your location and applicable privacy laws, you have various rights regarding your personal data. We are committed to facilitating the exercise of these rights.

7.1. General Rights

  • Right to Be Informed: You have the right to know what personal data we collect, why we collect it, and how we use it. This Policy serves to fulfill this right.
  • Right of Access: You have the right to request a copy of the personal data we hold about you.
  • Right to Rectification (Correction): You have the right to request that we correct any inaccurate or incomplete personal data we hold about you.
  • Right to Erasure (Deletion): You have the right to request the deletion of your personal data under certain circumstances (e.g., if the data is no longer necessary for the purposes for which it was collected).
  • Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transmit that data to another controller, where technically feasible.
  • Right to Object: You have the right to object to the processing of your personal data for direct marketing purposes.
  • Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.

7.2. For California Residents (CCPA/CPRA)

  • Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected, the categories of sources from which personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, and the categories of third parties to whom we disclose personal information.
  • Right to Opt-Out of Sale or Sharing: You have the right to opt-out of the “sale” or “sharing” of your personal information (as defined by CCPA/CPRA) for cross-context behavioral advertising. You may opt out by contacting us using the details in Section 1. You may also limit advertising cookies through your browser settings.
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
  • Right to Correct Inaccurate Personal Information.

7.3. How to Exercise Your Rights

To exercise any of these rights, please contact us at info@frmnc.com, through our Contact Us form, or by phone at (919) 856-1968.

We will respond to your request within the timeframes required by applicable law (e.g., 45 days under CCPA). We may need to verify your identity before fulfilling your request. You may exercise your rights free of charge, unless requests are manifestly unfounded or excessive.

8. Children’s Privacy

Our service is not intended for individuals under the age of 13. We do not knowingly collect personally identifiable information from children without verifiable parental consent.

If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.

9. Links to Other Websites

Our services may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Changes to This Privacy Policy

We may update this Policy from time to time. We will notify you of any changes by posting the new Policy on this page and updating the “Last Updated” date at the top of this Policy.

You are advised to review this Policy periodically for any changes. Changes to this Policy are effective when they are posted on this page.

11. Complaints

If you have concerns about our privacy practices, please contact us directly using the details provided in Section 1 above.

California residents also have the right to lodge a complaint with the California Attorney General or the California Privacy Protection Agency (CPPA).