Privacy Policy

1. Introduction

Maks4Max Financial Services ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website (maks4max.com) or engage with our financial advisory services. Please read this policy carefully. If you do not agree with its terms, please discontinue use of our site and services.

2. Information We Collect

We may collect the following categories of personal information:

• ·Contact information: name, email address, phone number, mailing address
• ·Financial information: income, assets, liabilities, insurance coverage, retirement accounts (provided voluntarily during consultations for need analysis)
• ·Appointment and communication data: booking details, consultation notes, and correspondence
• ·Website usage data: IP address, browser type, pages visited, time on site (via cookies and analytics tools)
• ·Identity verification information as required by applicable law or regulation

3. How We Collect Information

We collect information in the following ways:

• ·Directly from you through contact forms, appointment bookings, phone calls, and in-person or virtual consultations
• ·Automatically through cookies and website analytics when you browse our site
• ·From third-party tools such as TidyCal (appointment scheduling) and other service providers used in our operations

4. How We Use Your Information

Your personal information is used solely for legitimate business and compliance purposes, including:

• ·Conducting financial needs analyses and suitability assessments tailored to your situation
• ·Delivering financial products, insurance, advisory, mortgage, and other services you request
• ·Communicating with you regarding your account, appointments, or ongoing services
• ·Referring you to appropriate licensed professionals (e.g., attorneys for estate planning, specialists for services outside our direct licensure)
• ·Complying with applicable laws, regulations, and regulatory obligations
• ·Improving our website and service quality
• ·Responding to your inquiries and support requests

5. Data Sharing & Disclosure

We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes. Your information may only be disclosed in the following limited circumstances:

• ·With licensed professional partners (such as Netlaw for estate planning) strictly to deliver services you have requested and only with your knowledge
• ·With Fusion Capital Management in connection with investment advisory services
• ·With service providers who assist us in operating our website (e.g., hosting, analytics, scheduling tools) under confidentiality obligations
• ·As required by law, court order, regulation, or government authority
• ·To protect the rights, property, or safety of Maks4Max Financial Services, our clients, or the public

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include secure data storage, restricted access to client information, and the use of encrypted communications where feasible. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law and regulatory retention requirements. Financial services records may be retained for a minimum of five (5) years as required by SEC and FINRA recordkeeping rules. When data is no longer needed, it is securely deleted or anonymized.

8. Your Rights

Depending on your location and applicable law (including the California Consumer Privacy Act – CCPA), you may have the following rights:

• ·Right to Access: Request a copy of the personal information we hold about you
• ·Right to Correction: Request correction of inaccurate or incomplete information
• ·Right to Deletion: Request removal of your personal data from our records (subject to legal retention requirements)
• ·Right to Opt-Out: Opt out of any non-essential communications from us
• ·Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights

To exercise any of these rights, please submit your request in writing by calling us at 805-296-2269 or using our Contact page. We will respond within 30 days.

9. California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). We do not sell or share your personal information as defined under California law. You have the right to know what personal information we collect, to request deletion, and to opt out of any future sale. To submit a request, please contact us at the information below. We will not discriminate against you for exercising your CCPA/CPRA rights.

10. Cookies & Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience. We use:

• ·Essential cookies: required for core site functionality (session management, security)
• ·Analytics cookies: to understand site usage patterns and improve our content (e.g., Google Analytics, if applicable)

We do not use third-party advertising or behavioral tracking cookies. You can control or disable cookies through your browser settings; however, doing so may affect certain features of our website.

11. Third-Party Services

Our website integrates third-party services including TidyCal for appointment scheduling. These services have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party providers. Links to their policies are available on their respective websites.

12. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or applicable law. The updated policy will be posted on this page with a revised "Last Updated" date. We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes acceptance of the updated policy.

14. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal data, please contact us:

Maks4Max Financial Services
Mahesvar AKS (@MAKS) — Principal Advisor
Phone: 805-296-2269
Website: maks4max.com/contact
CRD # 8134897  |  CA Lic# OM73215  |  COM # 2531792