Privacy Policy

Last Updated: December 25, 2025

1. Introduction

Luxora Financial, LLC ("Company," "we," "us," or "our"), a Nevada limited liability company, respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website located at luxorafinancial.com (the "Site").

Please read this Privacy Policy carefully. By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Site.

This Privacy Policy is incorporated into and subject to our Terms of Service.

2. Scope of This Policy

This Privacy Policy applies only to information collected through the Luxora Financial, LLC corporate website (luxorafinancial.com). It does not apply to information collected by:

  • Our Portfolio Companies, including Foresight Trust Company, Foresight Capital Partners, Foresight Wealth Management, Foresight Finance Academy, Foresight Insurance Group, and Foresight Tax Advisors, each of which maintains its own privacy policy
  • Any third-party websites, applications, or services that may be linked from our Site
  • Any offline or in-person interactions with our company

We encourage you to review the privacy policies of our Portfolio Companies and any third-party websites you visit.

3. Definitions

Throughout this Privacy Policy, the following definitions apply:

  • "Personal Information" means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household.
  • "Site" refers to the website located at luxorafinancial.com and all associated subdomains.
  • "You" or "your" refers to any individual accessing or using the Site.
  • "Cookies" are small data files placed on your device when you visit a website.
  • "Portfolio Companies" refers to the subsidiaries and affiliated companies owned or operated by Luxora Financial, LLC.

4. Information We Collect

We collect information in the following ways:

4.1 Information You Provide Directly

When you use our contact form or otherwise communicate with us, you may voluntarily provide:

  • Name (first and last)
  • Email address
  • Subject of inquiry
  • Message content
  • Any other information you choose to include in your communication

4.2 Information Collected Automatically

When you visit our Site, we may automatically collect certain information about your device and usage, including:

  • Device Information: IP address, browser type and version, operating system, device type, screen resolution, and language preferences
  • Usage Information: Pages visited, time and date of visit, time spent on pages, click patterns, referring URL, and exit pages
  • Location Information: General geographic location based on IP address (city, state, country level only)

4.3 Information from Cookies and Similar Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. See Section 6 (Cookies and Tracking Technologies) for more details.

5. How We Use Your Information

We use the information we collect for the following purposes:

5.1 To Provide and Maintain Our Site

  • Operate and maintain the Site's functionality
  • Monitor and analyze usage patterns and trends
  • Diagnose technical problems and improve Site performance

5.2 To Communicate With You

  • Respond to your inquiries and requests submitted through our contact form
  • Send administrative information, such as updates to our Terms or Privacy Policy
  • Provide information you request about our company or Portfolio Companies

5.3 For Business Operations

  • Conduct internal analytics and research to improve our services
  • Detect, prevent, and address fraud, security issues, or technical problems
  • Comply with legal obligations and enforce our Terms of Service

5.4 For Marketing (With Your Consent)

  • Send promotional communications about our company and Portfolio Companies, but only if you have opted in to receive such communications
  • You may opt out of marketing communications at any time

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our Site.

6.1 Types of Cookies We Use

  • Essential Cookies: Necessary for the Site to function properly. These cannot be disabled.
  • Analytics Cookies: Help us understand how visitors interact with our Site by collecting information anonymously. We may use third-party analytics services such as Google Analytics.
  • Functional Cookies: Remember your preferences and settings to enhance your experience.

6.2 Third-Party Analytics

We may use third-party analytics services, such as Google Analytics, to help analyze how users interact with our Site. These services may use cookies and similar technologies to collect information about your use of the Site and other websites. Google Analytics collects information such as how often users visit the Site, what pages they visit, and what other sites they visited prior to coming to our Site. For more information about Google Analytics and how to opt out, visit: https://tools.google.com/dlpage/gaoptout

6.3 Managing Cookies

Most web browsers allow you to control cookies through their settings. You can typically:

  • View what cookies are stored on your device
  • Delete all or specific cookies
  • Block all cookies or only third-party cookies
  • Set preferences for certain websites

Please note that disabling cookies may affect the functionality of our Site. For more information about cookies and how to manage them, visit www.allaboutcookies.org.

6.4 Do Not Track Signals

Some browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activity tracked. Because there is no uniform standard for DNT signals, our Site does not currently respond to DNT browser signals. However, you can manage your cookie preferences as described above.

7. Legal Bases for Processing (For EEA/UK Visitors)

If you are located in the European Economic Area (EEA) or United Kingdom (UK), we process your Personal Information based on the following legal grounds:

  • Consent: Where you have given us explicit consent to process your data for specific purposes, such as marketing communications.
  • Legitimate Interests: Where processing is necessary for our legitimate business interests, such as improving our Site, preventing fraud, and ensuring security, provided these interests do not override your rights.
  • Contractual Necessity: Where processing is necessary to respond to your inquiries or fulfill your requests.
  • Legal Obligation: Where processing is necessary to comply with applicable laws and regulations.

8. Information Sharing and Disclosure

We do not sell, rent, or trade your Personal Information to third parties for their marketing purposes. We may share your information in the following circumstances:

8.1 Service Providers

We may share your information with third-party vendors and service providers who perform services on our behalf, such as:

  • Website hosting and maintenance
  • Analytics services
  • Email delivery services
  • Customer support tools

These service providers are contractually obligated to use your information only for the purposes of providing services to us and to maintain appropriate security measures.

8.2 Portfolio Companies

We may share your information with our Portfolio Companies if your inquiry relates to their services, or if you have requested information about a specific Portfolio Company. Each Portfolio Company will handle your information in accordance with its own privacy policy.

8.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court, regulatory agency, or law enforcement). This includes:

  • Complying with legal process, such as subpoenas or court orders
  • Responding to requests from law enforcement or government agencies
  • Protecting the rights, property, or safety of Luxora Financial, LLC, our users, or others
  • Enforcing our Terms of Service or other agreements

8.4 Business Transfers

If Luxora Financial, LLC is involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your Personal Information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our Site of any change in ownership or uses of your Personal Information.

8.5 With Your Consent

We may share your information for other purposes with your explicit consent.

9. Data Retention

We retain your Personal Information only for as long as necessary to fulfill the purposes for which it was collected, including:

  • Contact Form Submissions: We retain inquiries and related correspondence for up to three (3) years after our last communication with you, unless a longer retention period is required by law.
  • Analytics Data: Aggregated and anonymized analytics data may be retained indefinitely for historical analysis and Site improvement.
  • Cookie Data: Cookie retention periods vary by type. See Section 6 for details.

When Personal Information is no longer needed, we will securely delete or anonymize it.

10. Data Security

We implement appropriate technical and organizational security measures designed to protect your Personal Information from unauthorized access, alteration, disclosure, or destruction. These measures include:

  • Encryption of data in transit using SSL/TLS technology
  • Secure hosting infrastructure
  • Access controls limiting who can access Personal Information
  • Regular security assessments and updates

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. You acknowledge that you provide your Personal Information at your own risk.

11. Your Privacy Rights

Depending on your location, you may have certain rights regarding your Personal Information. We are committed to honoring these rights to the extent required by applicable law.

11.1 General Rights

All users may:

  • Request information about what Personal Information we have collected about you
  • Request correction of inaccurate Personal Information
  • Request deletion of your Personal Information (subject to certain exceptions)
  • Opt out of marketing communications at any time

11.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including:

  • Right to Know: You may request that we disclose the categories and specific pieces of Personal Information we have collected about you, the sources of that information, our business purposes for collecting it, and the categories of third parties with whom we share it.
  • Right to Delete: You may request that we delete the Personal Information we have collected from you, subject to certain exceptions.
  • Right to Correct: You may request that we correct inaccurate Personal Information we maintain about you.
  • Right to Opt Out of Sale/Sharing: We do not sell your Personal Information or share it for cross-context behavioral advertising. If this changes, we will provide a "Do Not Sell or Share My Personal Information" link.
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise your California privacy rights, please contact us using the information in Section 17.

11.3 Nevada Residents

Nevada residents have the right to opt out of the sale of certain Personal Information. We do not currently sell Personal Information as defined under Nevada law. If you are a Nevada resident and wish to submit a request, please contact us using the information in Section 17.

11.4 Virginia, Colorado, Connecticut, and Other State Residents

Residents of Virginia, Colorado, Connecticut, and other states with comprehensive privacy laws may have similar rights to access, correct, delete, and opt out of certain processing of their Personal Information. To exercise your rights, please contact us using the information in Section 17.

11.5 EEA/UK Residents (GDPR)

If you are located in the European Economic Area or United Kingdom, you have additional rights under the General Data Protection Regulation (GDPR), including:

  • Right of Access: Request a copy of the Personal Information we hold about you.
  • Right to Rectification: Request correction of inaccurate or incomplete Personal Information.
  • Right to Erasure: Request deletion of your Personal Information under certain circumstances.
  • Right to Restriction: Request restriction of processing of your Personal Information.
  • Right to Data Portability: Request a copy of your Personal Information in a structured, commonly used, machine-readable format.
  • Right to Object: Object to processing of your Personal Information based on legitimate interests.
  • Right to Withdraw Consent: Withdraw consent at any time where we rely on consent to process your Personal Information.
  • Right to Lodge a Complaint: Lodge a complaint with your local data protection authority.

12. International Data Transfers

Luxora Financial, LLC is based in the United States. If you access our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated.

The data protection laws of the United States may differ from those of your country. By using our Site, you consent to the transfer of your information to the United States. We will take appropriate measures to ensure that your Personal Information remains protected in accordance with this Privacy Policy.

13. Third-Party Links

Our Site may contain links to third-party websites, including websites of our Portfolio Companies, partners, and other external resources. This Privacy Policy does not apply to those third-party websites. We are not responsible for the privacy practices, content, or security of any third-party websites.

We encourage you to review the privacy policies of any third-party websites you visit before providing any Personal Information.

14. Children's Privacy

Our Site is not intended for children under the age of 18. We do not knowingly collect Personal Information from children under 18. If you are a parent or guardian and believe that your child has provided us with Personal Information, please contact us immediately using the information in Section 17. If we become aware that we have collected Personal Information from a child under 18 without verification of parental consent, we will take steps to delete that information promptly.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will:

  • Update the "Last Updated" date at the top of this Privacy Policy
  • Post the revised Privacy Policy on this page
  • If the changes are significant, provide additional notice, such as a prominent notice on our Site or an email notification (if we have your email address)

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of the Site after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

16. Governing Law

This Privacy Policy and any disputes arising out of or related to it or your use of the Site shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles.

17. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us through our Contact page.

For privacy-specific inquiries, you may also email us directly at: privacy@luxorafinancial.com

We will respond to your request within a reasonable timeframe, and in any event within the time period required by applicable law.