Website Privacy Policy

Life Capitalized Financial LLC ("Life Capitalized Financial," "we," "our," or "us") respects the privacy of visitors to our website. This Website Privacy Policy explains the limited types of information we may collect through this website, how that information may be used and disclosed, and the choices available to website visitors.

By using this website or voluntarily submitting information through it, you acknowledge the practices described in this Website Privacy Policy.

1. Scope of This Policy

This Website Privacy Policy applies only to information collected through the website owned or operated by Life Capitalized Financial LLC.

This policy governs information collected from website visitors and prospective clients through website contact forms and similar website communications. It does not replace, modify, or supplement any separate privacy notice, disclosure, authorization, agreement, or other document that may be provided in connection with investment advisory, securities, insurance, financial-planning, or other financial services.

Securities and investment advisory services may be offered through Hornor, Townsend & Kent, LLC ("HTK"). Individuals who become clients of HTK, apply for a financial product, or enter into an advisory or other service relationship may receive separate privacy notices and disclosures from HTK or another financial institution. Those notices govern information collected and maintained in connection with the applicable client, customer, or product relationship.

HTK's privacy policies apply to HTK's own websites, systems, services, and client relationships. This Website Privacy Policy applies only to the website practices of Life Capitalized Financial LLC.

2. Information You Voluntarily Provide

Life Capitalized Financial collects only limited personal information through its website forms. Depending on the form used, visitors may voluntarily provide:

• A name
• An email address
• A brief message describing the subject of an inquiry or the type of assistance being requested

Providing this information is voluntary. However, we may be unable to respond to an inquiry or arrange an appointment without sufficient contact information.

Website visitors should not submit sensitive personal, financial, medical, or account information through a general website form or ordinary email.

Please do not submit information such as:

• Social Security or taxpayer-identification numbers
• Bank, brokerage, retirement-account, or insurance account numbers
• Credit or debit card information
• Passwords, personal identification numbers, or security codes
• Copies of tax returns, identification documents, financial statements, or medical records
• Detailed information about investments, income, assets, debts, beneficiaries, or insurance coverage

Sensitive or confidential information should be provided only through a secure method specifically authorized by Life Capitalized Financial, HTK, or another applicable financial institution.

3. Technical Information

We do not currently use cookies for advertising, behavioral tracking, or targeted marketing.

However, when a visitor accesses a website, limited technical information may be generated or received automatically by the systems used to operate, deliver, maintain, and secure the website. This information may include:

• Internet Protocol address
• Browser type
• Device type
• Operating system
• Date and time of access
• Pages or website resources requested
• Referral information
• Website security, diagnostic, or error logs

This technical information may be used to operate the website, maintain security, prevent misuse, diagnose technical problems, and understand general website performance. We do not use this information to create detailed advertising profiles about website visitors.

If we later begin using nonessential cookies, analytics, advertising technologies, or similar tracking tools, we may update this Website Privacy Policy and provide any notices or choices required by applicable law.

4. How We Use Information

Information voluntarily submitted through the website may be used to:

• Respond to an inquiry
• Communicate with the person who submitted the inquiry
• Provide requested information
• Schedule, confirm, or manage an appointment
• Determine the appropriate person or department to respond
• Maintain reasonable business and regulatory records
• Protect the security and proper operation of the website
• Comply with applicable laws, regulations, legal processes, and supervisory requirements

We do not use information submitted through a general website inquiry to open an account, complete an application, execute a transaction, or establish an advisory relationship without additional communications, disclosures, agreements, authorizations, and procedures.

Submitting a website form does not establish an investment advisory, brokerage, insurance, financial-planning, fiduciary, attorney-client, tax-advisory, or other professional relationship.

5. Newsletters and Educational Communications

We will not add a website visitor to a newsletter or recurring electronic communication list solely because the visitor submitted a general inquiry.

A visitor may be added to a newsletter or educational communication list when the visitor:

• Specifically requests or subscribes to those communications;
• Provides permission to receive them; or
• Otherwise consents to ongoing communications in a manner permitted by applicable law.

Recipients may unsubscribe from nonessential electronic communications by using the unsubscribe instructions included in the communication or by contacting us at info@lifecapitalized.com.

Requests to stop newsletters or marketing communications will not prevent us from sending communications reasonably necessary to respond to an inquiry, manage an appointment, administer an existing relationship, provide required notices, or comply with legal or regulatory responsibilities.

6. How Information May Be Disclosed

Life Capitalized Financial does not sell or rent personal information collected through its website.

We may disclose limited information in the following circumstances:

At Your Direction or With Your Authorization. Information may be disclosed when a visitor requests, directs, authorizes, or consents to the disclosure.

To Respond to a Request. Information may be provided to an authorized financial professional, employee, representative, or other person who reasonably needs the information to respond to the visitor's inquiry or requested appointment.

To HTK and Supervisory or Compliance Personnel. When appropriate in connection with a visitor's request, a potential or existing financial-services relationship, or applicable supervisory requirements, information may be provided to HTK and its authorized supervisory, compliance, legal, operational, or administrative personnel.

For Applications or Service Relationships. If a visitor chooses to apply for a financial product, sign an advisory or service agreement, or otherwise proceed with a financial-services relationship, additional information may be collected and disclosed to HTK, financial institutions, insurance companies, custodians, product providers, or other authorized parties. Any such collection or disclosure will be subject to the applicable agreements, authorizations, privacy notices, regulatory requirements, and operating procedures governing that relationship.

To Companies That Assist Us. We may permit authorized companies to process limited information on our behalf when reasonably necessary to operate the website, communicate with visitors, maintain records, schedule appointments, provide technology or administrative support, or protect information and systems. These companies are permitted to access information only as reasonably necessary to perform authorized services or as otherwise permitted by law.

For Legal and Protective Purposes. We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable law, regulation, subpoena, court order, examination, investigation, or other legal process
• Respond to a request from a regulatory, law-enforcement, judicial, or governmental authority
• Satisfy supervisory, compliance, audit, or recordkeeping obligations
• Detect, investigate, prevent, or address fraud, misuse, cybersecurity incidents, or other unlawful activity
• Protect the rights, property, systems, safety, or security of Life Capitalized Financial, its clients, website visitors, HTK, or others
• Establish, exercise, or defend legal rights or claims

Business Changes. Information may be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, change in ownership, or similar business transaction, subject to applicable legal and regulatory requirements.

7. No Sale or Behavioral Advertising

Life Capitalized Financial does not sell personal information collected through this website for monetary consideration.

We also do not currently disclose website information for cross-context behavioral advertising or use website-form information to target visitors with advertisements across unrelated websites.

If these practices change, we will update this Website Privacy Policy and provide any notices and choices required by applicable law.

8. Data Retention

We retain information only for as long as reasonably necessary for the purposes described in this policy, including to:

• Respond to and document inquiries
• Schedule and administer appointments
• Maintain appropriate business records
• Fulfill legal, regulatory, contractual, supervisory, or compliance responsibilities
• Protect against fraud, misuse, or security incidents
• Resolve disputes and enforce applicable agreements

Retention periods may vary depending on the nature of the communication, whether a professional or client relationship is established, and applicable regulatory or recordkeeping requirements.

A request to delete information may be subject to exceptions when we or HTK are required or permitted to retain the information for legal, regulatory, supervisory, security, dispute-resolution, or recordkeeping purposes.

9. Information Security

We use reasonable administrative, technical, and organizational measures designed to protect information under our control against unauthorized access, use, alteration, loss, or disclosure.

No website, email system, electronic transmission, storage system, or method of Internet communication can be guaranteed to be completely secure. Visitors should exercise caution when transmitting information electronically and should not send sensitive or confidential information through general website forms or ordinary email.

If we become aware of a security incident involving personal information, we will evaluate and respond to the incident in accordance with applicable law, regulatory requirements, and relevant policies and procedures.

10. Your Privacy Choices

Depending on applicable law and the nature of our relationship with you, you may request that we:

• Confirm whether we maintain information submitted through the website
• Correct inaccurate contact information
• Remove you from nonessential newsletters or marketing communications
• Delete certain website inquiry information
• Provide additional information about how your website information was used or disclosed

Privacy rights are not absolute. We may deny or limit a request when permitted or required by law, including when information must be retained to comply with legal, regulatory, supervisory, contractual, security, or recordkeeping obligations.

To submit a privacy request, contact: info@lifecapitalized.com

We may take reasonable steps to verify the identity and authority of the person making a request before responding.

11. Third-Party Websites and Services

This website may contain links to websites, portals, scheduling systems, social-media pages, or other online services operated by third parties.

Life Capitalized Financial does not control the privacy, security, content, or operating practices of independently operated third-party websites or services. Information provided directly to a third party is governed by that third party's privacy policy and terms.

Visitors should review the privacy policies and terms of any third-party website or service before providing information.

12. Children's Privacy

This website is intended for adults and is not directed to children under 13 years of age.

Life Capitalized Financial does not knowingly collect personal information from children under 13 through this website. If we learn that information from a child under 13 was submitted through the website, we will take reasonable steps to delete it, subject to applicable legal and regulatory requirements.

Individuals under 18 should not submit personal information through the website without the involvement and permission of a parent or legal guardian.

13. Visitors Outside the United States

This website is operated from the United States. Information submitted through the website may be processed and maintained in the United States, where privacy and data-protection laws may differ from those in another country.

The website is not specifically directed to persons outside the United States. Persons accessing the website from outside the United States do so on their own initiative and are responsible for complying with applicable local laws.

14. Changes to This Policy

We may revise this Website Privacy Policy periodically to reflect changes in our website, business practices, legal obligations, or regulatory requirements.

The revised policy will be posted on this website with an updated effective date. When required by applicable law, we may provide additional notice regarding material changes.

15. Contact Information

Questions, requests, or concerns regarding this Website Privacy Policy may be directed to:

Life Capitalized Financial LLC
100 Southeast 3rd Avenue
Suite 1000
Fort Lauderdale, Florida 33394
Email: info@lifecapitalized.com

This Website Privacy Policy applies only to Life Capitalized Financial LLC's website practices. Questions concerning information maintained by HTK or another financial institution should be directed to the applicable institution in accordance with its privacy notice.