1. Use of Website

You agree to use our Site solely for lawful purposes and in a manner consistent with all applicable laws and regulations. By using our Site, you acknowledge that:

• The content provided on our Site is for informational purposes only and does not constitute professional advice.

• Decisions made based on information obtained from our Site are at your own risk.

• You are responsible for ensuring that your use of our Site complies with all applicable laws.

2. Intellectual Property

See Separate Intellectual Property Policy

3. Third-Party Links

Our Site may include links to third-party websites or resources for your convenience. These links are provided solely for informational purposes and do not constitute an endorsement or approval of the content, products, or services on those sites. FBS Financial is not responsible for:

• The content, accuracy, or reliability of third-party websites.

• Any damages or losses arising from your use of third-party websites.

We encourage you to review the privacy policies and terms of use of any third-party websites you visit.

4. Limitation of Liability

To the fullest extent permitted by law, FBS Financial disclaims all warranties, express or implied, regarding the accuracy, reliability, or completeness of the information provided on our Site. We are not liable for:

• Any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use our Site.

• Any errors or omissions in the content of our Site.

Your use of our Site is at your sole risk.

5. User Responsibilities

Data Retention:

By using our Site, you agree to:

• Provide accurate and truthful information if submitting forms or inquiries.

• Avoid engaging in any activity that disrupts or interferes with the proper functioning of the Site.

• Refrain from uploading malicious code, viruses, or any harmful content to the Site.

6. Changes to Terms

FBS Financial reserves the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be effective immediately upon posting on this page. Your continued use of the Site constitutes your acceptance of the updated terms.

7. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the state of South Carolina, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Texas.

8. Indemnification

You agree to indemnify, defend, and hold harmless FBS Financial, its affiliates, and their respective officers, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of the Site or your violation of these Terms and Conditions.

9. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Email:Info@FBStrategy.net

Last Revised: 06/23/2025

1. Information We Collect

We collect personal and non-personal information from you when you interact with our Site. This may include:

Personal Information

• Name

• Email address

• Phone number

• IP address

• Information you voluntarily provide through forms, such as inquiries or requests

Non-Personal Information

• Browser type

• Operating system

• Referring URL

• Pages viewed

• Time spent on the Site

We may also use cookies, tracking technologies, and analytics tools to gather information about your browsing behavior.

2. How We Use Your Information

We use the information collected from you for the following purposes:

• Service Delivery: To respond to inquiries, provide services, and fulfill requests.

• Website Improvement: To analyze traffic and improve the functionality and user experience of our Site.

• Marketing and Communication: To send promotional emails or updates, with your consent.

• Compliance: To comply with legal obligations and protect against fraud.

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Enhance user experience

• Track Site usage and performance

• Provide personalized content and recommendations

Managing Cookies:

• Browser type

• Operating system

• Referring URL

• Pages viewed

• Time spent on the Site

Tools we may use include:

• Google Analytics

• Meta Pixel (Facebook)

• LinkedIn Insights

• [Add or remove based on actual tools used]

These tools may collect non-personal data such as browser type, device, referring URLs, and on-site behavior patterns to help us understand how visitors engage with our content.

Managing Cookies:
You can adjust your browser settings to disable cookies. However, some features of the Site may not function properly without cookies enabled.

You can adjust your browser settings to disable cookies. However, some features of the Site may not function properly without cookies enabled.

4. Sharing Your Information

We do not sell or rent your personal information. We may share your information in the following situations:

Personal Information

• With Service Providers: Third parties who assist in operating our Site, conducting our business, or servicing you, provided they agree to keep this information confidential.

• Legal Requirements: When required by law or to protect our rights, property, or safety.

• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our business.

Third-party services used on our Site, such as analytics or payment processing, may have their own privacy policies. We encourage you to review these policies to understand how your data is handled.

5. Data Retention and Security

Data Retention:

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law.

Data Security:

We implement appropriate technical and organizational measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission or storage is completely secure. If you have concerns about data security, please contact us.

6. Your Rights

Depending on your location, you may have the following rights under data protection laws (e.g., GDPR, CCPA):

• Access: Request access to the personal information we hold about you.

• Correction: Request corrections to inaccurate or incomplete information.

• Deletion: Request deletion of your personal information.

• Data Portability: Receive a copy of your personal data in a structured, machine-readable format.

• Withdraw Consent: Withdraw consent for data collection and processing where consent was previously given.

• Opt-Out: Opt-out of marketing communications or certain data uses.

To exercise these rights, please contact us at info@FBSFinancial.net

7. Children’s Privacy

Our Site is not intended for children under the age of 13. We do not knowingly collect personal information from children. If we become aware that a child’s information has been collected without parental consent, we will delete it.

8. Changes to This Privacy Policy

FBS Financial reserves the right to update or modify this Privacy Policy at any time. Changes will be posted on this page with the updated “Last Revised” date.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

9. Contact Us

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

Email:info@FBStrategy.net

Last Revised: 06/23/2025

1. Consent and Opt-In

By submitting your phone number or contact information through our website or services, you consent to receive A2P (Application-to-Person) messages from Fechter Business Services LLC (FBS Financial) regarding our services, updates, or relevant offers.

• You will only receive messages if you have opted in via our website, form submissions, or other clear methods.

• Standard message and data rates may apply based on your carrier plan.

2. Message Types

We may send you messages for the following reasons:

• Appointment or service confirmations

• Account updates or alerts

• Promotional messages or offers

• Surveys or feedback requests

• Billing or invoicing notifications

We do not send unsolicited marketing messages.

3. Opt-Out / Unsubscribe

You can opt out of receiving A2P messages at any time by replying:

• “STOP” to stop receiving messages

• “HELP” for assistance

Once you opt out, you will no longer receive messages unless you opt in again.

4. Message Frequency

Message frequency will vary depending on your interactions with FBS. We aim to limit message volume and only send relevant updates.

5. Data Privacy

Your contact information will only be used for communication between you and FBS. We do not share or sell your personal data. For full privacy details, please refer to our [Privacy Policy].

6. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to mobile network availability and your carrier plan.

A2P Messaging Policy Guidelines

To ensure compliance with industry regulations and deliver a good user experience, we adhere to the following guidelines:

✅ Permitted Use

• Messaging only users who have opted in

• Providing helpful, relevant, and timely information

• Including clear opt-out instructions in every message

🚫 Prohibited Use

• Sending spam or unsolicited bulk messages

• Using misleading or deceptive content

• Sharing personal or sensitive information without consent

• Sending messages outside permitted hours (typically 8 AM–9 PM recipient local time)

📜 Compliance Standards

We follow industry best practices and applicable laws including:

GDPR (if applicable to international clients)

TCPA (Telephone Consumer Protection Act)

CTIA Guidelines

10DLC (U.S. A2P messaging rules)

7. Contact Us

If you have any questions or concerns about our Legal Terms & Policies, or our data practices, please contact us at:

Email:info@FBStrategy.net

Last Revised: 06/23/2025

The content, tools, visuals, and frameworks shared in this document are proprietary to Fechter Business Services and are protected under applicable intellectual property laws, including but not limited to copyright, trademark, and trade secret laws, in the relevant jurisdiction. This includes, but is not limited to, the GrowthPath Method™, GrowthPath Clarity Snapshot™, GrowthPath Dashboard™, and any original business strategies, templates, or materials provided. All rights are reserved

This content is for your personal, internal use only, meaning it may be used solely by the recipient and their employees for the purpose of evaluating or implementing services provided by Fechter Business Services, LLC. It may not be copied, shared, distributed, sold, or reused in any manner, including but not limited to adaptation, modification, or incorporation into other materials, without the prior written permission of Fechter Business Services, LLC.  

Any derivative works, modifications, or improvements based on the proprietary materials provided by Fechter Business Services, LLC shall be the exclusive property of Fechter Business Services, LLC, and the recipient agrees to assign any rights in such works to Fechter Business Services, LLC.

Any unauthorized use will constitute a material breach of this agreement and may result in legal action, including but not limited to injunctive relief, damages, and recovery of attorneys' fees and costs. The parties agree that any dispute arising from such unauthorized use shall be subject to the exclusive jurisdiction of the courts of South Carolina/York County, and governed by the laws of South Carolina.

We appreciate your respect for the work and creativity behind these resources.

Contact Us

If you have any questions or concerns about our Legal Terms & Policies, or our data practices, please contact us at:

Email:info@FBStrategy.net

Last Revised: 06/23/2025

By completing a purchase, you agree to the following:

1. Digital Download Delivery

   • Your product(s) will be delivered via email with a secure download link immediately after purchase.

   • Please ensure you enter the correct email address at checkout.

2. Non-Refundable Purchase

   • Due to the instant-access nature of digital products, all sales are final and non-refundable.

   • If you experience any issues accessing your files, contact us at [support email] for assistance.

3. License & Usage

   • Your purchase grants you a single-user license for personal or internal business use only.

   • You may not share, resell, reproduce, or distribute these materials without prior written consent.

4. No Guarantees

   • These products are designed as educational and strategic resources. While they provide proven frameworks, we do not guarantee specific financial results or outcomes.

5. Technical Issues

   • If you have trouble downloading or opening your files, we will assist with resolving access issues but are not responsible for technical limitations of your device or software.

By clicking “Complete Purchase,” you acknowledge and agree to these terms.

If you have any questions or concerns about our Legal Terms & Policies, or our data practices, please contact us at:

Email:info@FBStrategy.net

Last Revised: 01/06/2026