Legal Notice and Terms of Use

Financial Designs Wealth Management LLC Website Disclosures and Terms of Use

By using the Financial Designs Wealth Management LLC, (“FD Wealth”) website or social media landing page, you agree to be bound by these Terms and Conditions, as amended from time to time. Your continued use of the FD Wealth website and/or social media landing page constitutes acceptance of these terms and Conditions and any amendments. If you do not agree with FD Wealth’s website’s Terms and Conditions, please do not use the FD Wealth website or access our social media postings.
The information presented on this website and social media postings should not be construed as investment advice and should not be relied upon to make an investment decision. The information and materials posted on this website or social media postings are being provided for general information purposes only. Nothing in this website or social media postings shall be construed as a recommendation or solicitation to buy or an offer to sell a security or any product or service to any person or pursue a particular investment strategy, or solicitation in any state or jurisdiction where such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such state or jurisdiction or which would subject FD Wealth, its employees, officers or agents to any registration requirements in such state or jurisdiction.
The information posted in this website or social media postings has been obtained from sources believed to be reliable, but we make no guarantees as to its accuracy, completeness, timeliness, relevance or suitability. We reserve the right to change, amend, or remove information on this website or social media at any time and without prior notice. Any third-party links, news feeds or market quotes posted on this web site or through social media are from independent, unaffiliated third parties and provided only for general information purposes. FD Wealth does not endorse or necessarily agree with any opinion, outlook, or forecast contained on any third party linked web site, or news feed. Any performance data presented is for illustration purposes and represents historical performance. Historical performance should not be viewed as representative of future performance or results and there can be no assurance that the future performance of any investment or investment strategy will be profitable or able to achieve historical performance. We do not provide tax or legal advice. You should consult with your attorney, or tax professional regarding your specific legal or tax situation.

FD Wealth makes no representations concerning this website, or links to any third-party website links or postings. To the fullest extent allowed by applicable law, FD Wealth disclaims any liability for any damages of any kind, under any legal theory, arising out of or in connection from your use of, or inability to use, the website, or any third-party website links. FD Wealth disclaims any direct, indirect, incidental, consequential, punitive or other damage arising from the use of this website or, or the contents of the information on this website, including, but not limited to, lost profits or damages resulting from errors, omissions, or other inaccuracies in the website, delays, or service interruptions. FD Wealth makes no representations that this website or the information provided on it or the server that makes the website available, or any postings are free of viruses or other harmful components. FD Wealth disclaims any express, implied or statutory warranties of any kind, including warranties of merchantability, non-infringement, or fitness for a particular purpose. Some of the foregoing exclusions may not be permitted in certain states or jurisdictions.

Please contact us with any questions or concerns regarding our website Terms and Conditions.

Social Media

We may repost, share, or “like” links to materials posted on the internet or by other social media users. This should not be construed as an endorsement, and no representations are made regarding the accuracy or completeness of any materials posted. Information on social media postings is provided for general information purposes only and should not be construed as investment advice, or as a recommendation or solicitation, and should not be relied upon to make investment decisions. Information that has been prepared by third parties may not necessarily reflect the views or opinions of FD Wealth. We do not control or endorse and are not responsible for the contents, operations, or security of other social media sites. Users should be aware of the risks of clicking on third-party links, which may contain viruses or malware and result in harm to their computers. We request that you not disclose any personal or financial information or use social media to communicate or transmit any account information or instructions. 

Privacy and Information Security

Federal and state privacy laws require FD Wealth to among other things disclose how we collect, share, and protect our client’s personal information. We do not sell customer lists and will not disclose your information to other companies who may want to sell their products or services to you. We do not disclose or share nonpublic information about our clients, prospective, or former clients with third parties, except to deliver contracted services, as described below, or as permitted by law.
FD Wealth collects information directly from you, when you apply for, access and use the products and services offered by us and/or our business partners, or third-party providers, as applicable. The personal information we collect generally includes:
  • Information we receive on client account applications (name, social security or tax identification number, address, income, assets, etc.), and
  • Information about transactions with our firm or others (account information, payment history, parties to transactions, etc.).
This information may be obtained by telephone, electronically, or in person. We may verify the information you provide to us by obtaining additional information from consumer reporting agencies, or other sources.
We may disclose your personal information to law enforcement and regulatory agencies as required, or permitted by law. As necessary to service your account and deliver contracted services to you, we will disclose your personal information to non-affiliated financial institutions or third-party service providers with whom we may have arrangements, such as custodians, brokers, administrators, and other service providers in order to:
  • assist us in monitoring, analyzing your financial situation
  • assist with reporting and reviews
  • enable them to provide business services to us such as accounting, legal, audit, consulting or other professional services,

We share information with our affiliates about your transactions and experiences. We share information for our affiliates for everyday business purposes and for our affiliates to market to you.  We do not sell or share your information with third parties except to service your account as described above.  Federal law gives you the right to limit sharing with affiliates for marketing purposes.  State laws may give you additional rights to limit sharing.  Please contact us if you have any questions regarding our policy or would like to request that we limit sharing with our affiliate.

FD Wealth requires that all third parties and business partners protect our client’s personal information and sign confidentiality agreements. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. We maintain commercially reasonable physical, electronic and procedural safeguards to protect our client’s nonpublic personal information. Employees and agents are trained on their responsibilities to protect our client’s personal information and are required to use secure passwords and encryption to store and transmit client data. Employees may access your information only when it is appropriate to do so, such as to administer products or services. Failure to adhere to our established privacy and security policies may subject employees to disciplinary action, including termination of employment. Please contact us for further information regarding our Privacy Policy. We reserve the right to change our Privacy Policy and will notify you of any changes.

Cybersecurity
FD Wealth has in place policies and procedures regarding information technology security, maintains appropriate technical and physical safeguards and takes other reasonable precautions to safeguard the confidentiality of sensitive information and internal data. However, despite reasonable precautions, the risk remains that cybersecurity incidents may occur that may result in the inadvertent disclosure of confidential sensitive information to unintended parties, unauthorized access to confidential sensitive information, or operational disruptions by malicious hackers. If such an event were to occur, FD Wealth will promptly notify the affected parties and take all necessary appropriate actions.
Business Continuity/Business Disruption
FD Wealth has established a Business Continuity/Business Disruption plan to manage the effects of a significant business disruption. Although our Business Continuity/Business Disruption plan is reasonably designed to allow us operate during an emergency business disruption, due to the unpredictability of such events, we have no control over damage to infrastructure that may impact our access to reliable power sources, communication networks, or transportation and affect our ability to resume business operations. Our clients have access at all times to their accounts maintained at their custodian financial institutions.
Additional Information

Financial Designs Wealth is an investment advisor located in Miami, Florida. FD Wealth offers a broad range of investment advisory, brokerage and insurance products and services.   Employee benefits plans and insurance offered through FD Wealth’s affiliate, Financial Designs, Inc. Securities products offered through The Leaders Group, Inc., an unaffiliated broker-dealer, member FINRA/SIPC. Investment advisory and brokerage services involve different types of fees, compensation arrangements, rights and responsibilities. For additional information, please refer to FD Wealth’s Form CRS (Client Relationship Summary) and Form ADV Part 2A Brochure which are filed with the SEC and are available by contacting us at operations@fdwealth.net, or on the Investment Adviser Public Disclosure Website (www.adviserinfo.sec.gov).

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