Trusted Guidance for Every Financial Step

Our Commitment to Your Privacy

At Modern Finance Systems, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data.

Information We Collect

We collect information that you provide directly to us, such as when you apply for a service, create an account, or contact us for support. This may include:

• Personal identification information (name, address, date of birth)
• Contact information (email address, phone number)
• Financial information (income, assets, credit history)
• Employment information
• Government-issued identification numbers

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process your applications and transactions
• Communicate with you about products, services, and offers
• Comply with legal obligations and prevent fraud
• Personalize your experience and deliver relevant content

Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information with:

• Service providers who assist in our operations
• Financial institutions and credit bureaus as necessary for services
• Law enforcement or regulatory authorities when required by law
• Affiliated companies within our corporate group

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security assessments.

Your Rights and Choices

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information
• Opt-out of marketing communications
• Request restriction of processing in certain circumstances

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at info@modernfinancesystems.com or call +1 636-552-0037.

Effective Date: January 1, 2026

Agreement to Terms

By accessing or using the services provided by Modern Finance Systems, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

Services Description

Modern Finance Systems provides financial advisory, banking, insurance, investment, and consulting services. All services are subject to eligibility criteria, regulatory requirements, and our internal policies.

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations

Account Registration

When you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

Fees and Payments

Some services may involve fees, which will be clearly disclosed before you incur any charges. You agree to pay all applicable fees and charges in accordance with the payment terms provided.

Intellectual Property

All content, trademarks, logos, and materials displayed on our website or provided through our services are our property or the property of our licensors and are protected by intellectual property laws.

Limitation of Liability

To the maximum extent permitted by law, Modern Finance Systems shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Indemnification

You agree to indemnify and hold harmless Modern Finance Systems, its affiliates, officers, and employees from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

Termination

We reserve the right to suspend or terminate your access to our services at our sole discretion, without notice, for conduct that we believe violates these terms or is harmful to other users, us, or third parties.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of US, without regard to its conflict of law provisions.

Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in St. Louis, Missouri, in accordance with the rules of the American Arbitration Association.

Changes to Terms

We may modify these Terms and Conditions at any time. We will provide notice of material changes by posting the updated terms on our website with a new effective date.

Contact Information

For questions about these Terms and Conditions, please contact us at legal@modernfinancesystems.com or +1 636-552-0037.

Effective Date: January 1, 2026