Last Updated: January 2025
Financial Stability Matrix ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.
We collect personal information you provide directly, including name, email, phone number, birthdate, and financial information necessary to provide our services. We also automatically collect usage data, IP addresses, and browser information.
We use your information to: provide and personalize services, process applications, communicate with you, comply with legal obligations, prevent fraud, and improve our offerings. We never sell your personal information to third parties.
We share information only with trusted partners who help us deliver services (lenders, insurance carriers, custodians), legal authorities when required, and successor entities in case of corporate restructuring. All partners are bound by confidentiality agreements.
We implement bank-grade security measures including 256-bit AES encryption, TLS 1.3 transit encryption, multi-factor authentication, and SOC-2 Type II compliant infrastructure. Despite these measures, no method of internet transmission is 100% secure.
You have the right to access, correct, delete, or restrict the processing of your personal data. You may also opt out of marketing communications at any time by clicking "unsubscribe" in our emails or contacting us directly.
We use cookies and similar technologies to enhance your browsing experience, analyze traffic, and personalize content. You can control cookies through your browser settings.
Our services are not directed to individuals under 18. We do not knowingly collect information from children.
We may update this Privacy Policy periodically. Material changes will be communicated via email or prominent notice on our website.
For privacy inquiries, contact us at info@financialstabilitymatrix.info or call (503) 231-2744.
Last Updated: January 2025
Welcome to Financial Stability Matrix. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.
Financial Stability Matrix provides financial advisory, loan origination, insurance brokerage, and investment management services. Specific terms for each service will be outlined in separate agreements signed prior to engagement.
You must be at least 18 years old and a legal resident of the United States to use our services. By using our services, you represent that you meet these requirements.
Our investment advisors act as fiduciaries under the Investment Advisers Act of 1940. Insurance agents and loan officers operate under applicable state regulations. All recommendations are made in good faith based on information you provide.
Investments involve risk, including potential loss of principal. Past performance does not guarantee future results. We do not guarantee specific loan approvals, interest rates, or investment returns.
Our fee schedule is disclosed upfront in your service agreement. Investment management fees range from 0.50% to 0.85% annually. Loan and insurance fees vary by product and are disclosed before signing.
All content on this website — including text, graphics, logos, and software — is the property of Financial Stability Matrix and protected by US intellectual property laws. You may not reproduce, distribute, or create derivative works without our written consent.
To the maximum extent permitted by law, Financial Stability Matrix shall not be liable for indirect, incidental, special, or consequential damages arising from your use of our services.
Our website may contain links to third-party sites. We are not responsible for the content, policies, or practices of these sites.
We may terminate or suspend access to our services immediately, without notice, for any violation of these Terms.
These Terms shall be governed by the laws of the State of Vermont, without regard to conflict of law principles.
We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the revised Terms.
For questions about these Terms, contact us at info@financialstabilitymatrix.info or call (503) 231-2744.