Advanced FS Privacy Policy

Effective Date: April 15, 2026

California Notice at Collection: See the California privacy section below for important information about your rights under the California Consumer Privacy Act (“CCPA”).

Advanced FS and our subsidiaries and affiliates (“Advanced FS”) provide financial services, life insurance, estate planning, and related products. Our customers, employees, and business partners entrust us with personal information every day. We are committed to protecting that information and respecting your privacy. This Privacy Policy explains how Advanced FS collects, uses, and handles personal information.

This Privacy Policy applies to personal information we collect through our digital or online properties or services that link to this Privacy Policy, including our websites, mobile applications, social media pages, marketing activities, live events, and other activities described herein (collectively, the “Service”).

We may provide supplemental privacy notices for specific products or services. For example, information collected from customers using financial products or services is subject to the Advanced FS Consumer Privacy Notice. If there is a conflict between this Privacy Policy and the Advanced FS Consumer Privacy Notice, the latter will control. Similarly, if you are a life insurance agent partnering with us, our Agent Privacy Notice applies to information we collect about you.

You can download a printable copy of this Privacy Policy [here].

1. Personal Information We Collect

Information you provide to us:

  • Contact data: Name, salutation, email, billing/mailing addresses, phone number, professional title, company.

  • Profile data: Username, password, biographical info, photo, social media links, interests, preferences, and contest or survey participation.

  • Communications data: Emails, calls, chat/video interactions, and social media communications. These may be monitored or recorded.

  • ransactional data: Orders, transaction history, and related information.

  • Marketing data: Your communication preferences and engagement with marketing materials.

  • User-generated content: Photos, videos, messages, and metadata (location, keywords, editing history).

  • Personal history data: Date of birth, education, employment, associations, criminal records, marital status, veteran status, etc.

  • Health data: General and family medical history, treatment records, prescriptions, alcohol/drug use, and insurance info.

  • Financial data: Credit reports, bank account details, payment info, net worth, tax documents, insurance coverage, and financial authority over accounts.

  • Government-issued identification data: Social Security number, passport, driver’s license, and other government IDs.

  • Promotion data: Competition or survey entries, prize selections, eligibility verification.

  • Inferential data: Profiles reflecting behavior, preferences, creditworthiness, and

    insurability.

  • Other data: As disclosed at the time of collection.

Third-party sources:

  • Affiliates, publicly available sources, consumer reporting agencies, healthcare providers, data providers, service partners, marketing partners, customers, business partners, and linked third-party services.

Automatic data collection:

  • Device data: OS, browser, IP, device type, language, network info, general location.

  • Online activity data: Pages visited, form inputs, session duration, navigation paths, and email interaction.

  • Location data: Zip code, device location, IP-based location.

  • Communication interaction data: Email/text engagement via pixel tags or tracking technologies.

Data about others: Includes family members, beneficiaries, and contacts you invite to the Service. Only share third-party information with their consent.

2. Tracking Technologies

We use cookies and other technologies to collect information automatically. See our Cookies and Other Tracking Technologies Notice for more details.

3. How We Use Your Personal Information

  • Service delivery and operations: Provide and maintain the Service, manage accounts, administer claims, and deliver estate planning services.

  • Service personalization: Tailor your experience, communications, and preferences.

  • Analytics and improvement: Analyze user activity, improve services, and develop new products, including AI and machine learning applications.

  • Marketing and advertising: Send personalized marketing communications and deliver interest-based advertising.

  • Events, promotions, and contests: Administer promotions and communicate participation details.

  • Compliance and protection: Legal compliance, fraud prevention, policy enforcement, and security protection.

  • Aggregated or anonymized data: For business, analytics, and marketing purposes.

  • Further uses: May occur with your consent for purposes beyond the initial collection.

4. Retention

We retain personal information as long as needed to fulfill its purposes, meet legal obligations, and prevent fraud. Once no longer needed, we delete, anonymize, or isolate the information.

5. How We Share Your Personal Information

  • Affiliates: Parent, subsidiaries, and affiliated companies.

  • Service providers: Hosting, analytics, marketing, fraud prevention, IT support, etc.

  • Payment processors: e.g., Stripe, mobile carrier billing providers.

  • Consumer reporting agencies: Credit bureaus, MIB Group, Inc., and others.

  • Healthcare providers: Verify insurance coverage or audit services.

  • Service and marketing partners: Insurance agents, brokers, carriers, referral partners, and co-sponsors.

  • Advertising partners: Interest-based advertising.

  • Third parties designated by you: Authorized agents, beneficiaries, or representatives.

  • Analytics and AI providers: For analysis, modeling, and machine learning.

  • Linked third-party services: Social media integrations.

  • Professional advisors: Lawyers, auditors, bankers, insurers.

  • Authorities and others: Law enforcement, regulators, government agencies.

  • Business transferees: In mergers, acquisitions, sales, or insolvency events.

  • Other users/public: Feedback and public content shared on the Service.

We make reasonable efforts to ensure these parties provide protections consistent with this Privacy Policy.

6. Your Choices

  • Access or update information: Login to your account.

  • Opt-out of marketing communications: Follow unsubscribe instructions or contact us.

  • Cookies and tracking: See Cookies and Other Tracking Technologies Notice.

  • Advertising choices: Opt-out via browser, platform, ad-industry tools, AppChoices app, or mobile settings.

  • Do Not Track: We currently do not respond to all signals.

  • Declining to provide information: Some services may not be available.

  • Linked third-party platforms: Use platform settings to control shared information.

  • Delete content or close account: Contact us. Insurance policyholders must follow policy cancellation provisions.

7. Confidentiality for Victims of Domestic Abuse

If you are a victim of domestic abuse, Advanced FS offers additional protections for confidential information. Contact us at [email protected] for assistance.

8. Other Sites and Services

We may link to third-party websites or integrate content. We are not responsible for third-party practices. Review their privacy policies.

9. Security

We implement technical, organizational, and physical safeguards. No system is completely secure. Visit our Data Security webpage for details.

10. International Data Transfer

Your data may be transferred outside your country, including the U.S., where privacy laws may differ.

11. Children

The Service is not intended for users under 18. We comply with applicable laws if we inadvertently collect children’s data.

12. Changes to this Privacy Policy

We may update this Privacy Policy. Material changes will be communicated by updating the effective date and posting the new version.

13. Contact Us

  • Email: [email protected]

  • Mail: 1501 W Boughton Rd, Bolingbrook, IL 60440

  • Phone: 773-827-3794

14. Illinois Privacy

Advanced FS may offer Illinois residents rights under CCPA, including access, deletion,

correction, and opt-out of sales/sharing of personal information. We may need to verify identity

and authorized agents. More details and requests: [email protected] or call 773-827-

3794.

© 2026 Advance Financial Strategies. All rights reserved. | Privacy Policy | Terms & Conditions

This is not financial advice. Consult a licensed financial professional before making any investment

decisions.