ONLINE PRIVACY POLICY AGREEMENT

Frost Financial Advising And Management, LLC, (FFAM), is committed to keeping any and all personal

information collected of those individuals that visit our website and make use of our online facilities and

services accurate, confidential, secure and private. Our privacy policy has been designed and created to

ensure those affiliated with Frost Financial Advising And Management, LLC of our commitment and

realization of our obligation not only to meet but to exceed most existing privacy standards.


THEREFORE, this Privacy Policy Agreement shall apply to Frost Financial Advising And Management,

LLC, and thus it shall govern any and all data collection and usage thereof. Through the use of

www.myffam.com you are herein consenting to the following data procedures expressed within this

agreement.


Collection of Information

This website collects various types of information, such as:

• Voluntarily provided information which may include your name, address, email address, billing and/or

credit card information etc., which may be used when you purchase products and/or services and to

deliver the services you have requested.


Please rest assured that this site shall only collect personal information that you knowingly and willingly

provide by way of contact forms, messages, and emails. It is the intent of this site to use

personal information only for the purpose for which it was requested and any additional uses specifically

provided on this site.


It is highly recommended and suggested that you review the privacy policies and statements of any

website you choose to use or frequent as a means to better understand the way in which other websites

garner, make use of and share information collected.


Use of Information Collected

Frost Financial Advising And Management, LLC may collect and may make use of personal information

to assist in the operation of our website and to ensure delivery of the services you need and request. At

times, we may find it necessary to use personally identifiable information as a means to keep you

informed of other possible products and/or services that may be available to you from www.myffam.com.

Frost Financial Advising And Management, LLC may also be in contact with you with regards to

completing surveys and/or research questionnaires related to your opinion of current or potential future

services that may be offered.


Frost Financial Advising And Management, LLC does not now, nor will it in the future, sell, rent or lease

any of our customer lists and/or names to any third parties.


Frost Financial Advising And Management, LLC may disclose your personal information, without prior

notice to you, only if required to do so in accordance with applicable laws and/or in a good faith belief

that such action is deemed necessary or is required in an effort to:


• Remain in conformance with any decrees, laws and/or statutes or in an effort to comply with any

process which may be served upon Frost Financial Advising And Management, LLC and/or our

website;


• Maintain, safeguard and/or preserve all the rights and/or property of Frost Financial Advising And

Management, LLC; and


• Perform under demanding conditions in an effort to safeguard the personal safety of users of

www.myffam.com and/or the general public.


Children Under Age of 13

Frost Financial Advising And Management, LLC does not knowingly collect personal identifiable

information from children under the age of thirteen (13) without verifiable parental consent. If it is

determined that such information has been inadvertently collected on anyone under the age of thirteen

(13), we shall immediately take the necessary steps to ensure that such information is deleted from our

system's database. Anyone under the age of thirteen (13) must seek and obtain parent or guardian

permission to use this website.


Unsubscribe or Opt-Out

All users and/or visitors to our website have the option to discontinue receiving communication from us

and/or reserve the right to discontinue receiving communications by way of email or newsletters. To

discontinue or unsubscribe to our website please send an email that you wish to unsubscribe to

info@myffam.com. If you wish to unsubscribe or opt-out from any third party websites, you must go to

that specific website to unsubscribe and/or opt-out.


Links to Other Web Sites

Our website may contain links to affiliate and other websites. Frost Financial Advising And Management,

LLC does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other

such websites. Therefore, we encourage all users and visitors to be aware when they leave our website

and to read the privacy statements of each and every website that collects personally identifiable

information. The aforementioned Privacy Policy Agreement applies only and solely to the information

collected by our website.


Security

Frost Financial Advising And Management, LLC shall endeavor and shall take every precaution to

maintain adequate physical, procedural and technical security with respect to our offices and information

storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of the

user's personal information under our control.


Changes to Privacy Policy Agreement

Frost Financial Advising And Management, LLC reserves the right to update and/or change the terms of

our privacy policy, and as such we will post those change to our website homepage at www.myffam.com,

so that our users and/or visitors are always aware of the type of information we collect, how it will be

used, and under what circumstances, if any, we may disclose such information. If at any point in time

Frost Financial Advising And Management, LLC decides to make use of any personally identifiable

information on file, in a manner vastly different from that which was stated when this information was

initially collected, the user or users shall be promptly notified by email. Users at that time shall have the

option as to whether or not to permit the use of their information in this separate manner.


Acceptance of Terms

Through the use of this website, you are hereby accepting the terms and conditions stipulated within the

aforementioned Privacy Policy Agreement. If you are not in agreement with our terms and conditions,

then you should refrain from further use of our sites. In addition, your continued use of our website

following the posting of any updates or changes to our terms and conditions shall mean that you are in

agreement and acceptance of such changes.


How to Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website,

please feel free to contact us at the following email, telephone number or mailing address.

Email: info@myffam.com

Telephone Number: 1-800-583-5308

Mailing Address:

Frost Financial Advising And Management, LLC

PO Box 131247

Dallas, Texas 75313

08/01/2014

*Frost Financial Advising & Management, LLC (FFAM) is not affiliated with the Department of Education in any way. Any programs offered are openly available to the public. FFAM is a Third Party service provider that assists student loan borrowers with the process of entering publicly offered repayment programs. Eligible quoted repayment plans are subject to annual renewals and servicer payments may fluctuate depending on income, household size, and other circumstancial changes.

1-800-583-5308

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