PRIVACY POLICY

Effective Date: January 19, 2026

Thank you for visiting https://fulcrumsmb.com (the "Website"). Your privacy is important to us. This Privacy Policy (the "Policy") describes the types of information Fulcrum (the "Company", "us", "we", or "our") may collect from you or that you may provide when you visit the Website and the products, features, materials, and services we offer (collectively with the Website, the "Services"). This Policy also describes our policies and procedures for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect on the Website and through your use of the Services generally (including when you register for an account), and through communications between you and the Website (including email, text, and other electronic messages).

This Policy does not apply to information collected by third parties, including any websites, services, and applications that you elect to access through the Services.

Please review this Policy carefully. By accessing or using the Services (or by clicking on "accept" or "agree" to this Policy when prompted), you agree to the terms of this Policy on behalf of yourself or the entity or organization that you represent. If you do not agree to any term in this Policy, you should refrain from further use of our Services.

Changes to Our Privacy Policy.

This Policy was last revised on the date noted at the top of this page. We may update this Policy from time to time. If we make material changes, we will post the updated Policy on this page and notify you of such changes by means of an email to the email address specified in your account, a message on the Services, or through a notice on the Website home page. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

Information We Collect.

We receive several types of information about you from various sources, including (A) information and content that you give us; (B) automatically-collected information; and (C) demographic information or other aggregate information. Each is described in detail below.

Information and Content That You Give Us.

We collect personal information that you knowingly choose to disclose. This may include:

Personal Information (or Data). Personal information, such as your name, address, email address, phone number, username, password, and any other information you directly provide us on or through the Services. This includes information you provide when you register or create an account, complete a questionnaire or a contest entry form, or make a request for customer service.

Correspondences. Records and copies of your email messages together with your email address and our responses, if you choose to correspond with us through email, and records of your phone number, phone calls with us, and voice messages, if you choose to correspond with us via phone.

User Content. Information or content you submit to be published or displayed on public areas of the Services or transmitted to other users of the Services or third parties (collectively, "User Content"). Your User Content is posted and transmitted to others at your own risk. The Company cannot control the actions of other users of the Services with whom you may choose to share your User Content. Therefore, we cannot and do not guarantee that your User Content will not be viewed by unauthorized persons.

Transaction Information. Information about any purchase or transactions made on the Services. This includes payment information, such as your credit or debit card number and other card information; other account and authentication information; and billing, shipping, and contact details.

Search Queries. Your search queries on the Website.

Information We Collect Automatically.

We may use a variety of technologies to collect certain information about your equipment, browsing actions, and patterns whenever you interact with the Services, including:

Activity Information. Details of your visits to our Services, including the types of content you view or engage with; the features you use; the actions you take; the people or accounts you interact with; the time, frequency, and duration of your activities; and other information about your use of and actions on the Services.

Equipment Information. Information about your computer and internet connection, including your computer operating system, IP address, browser type, and browser language.

Location Information. Information about the location of your device, including GPS location, for purposes of enhancing or facilitating the Services. We may also use information about the location of the device you are using to help us understand how the Services and functionality are being used and to deliver more relevant advertising.

The gathering of this information may be used for maintaining the quality of the Services we provide, as well as providing overall general statistics related to the use of the Services. The technologies we use for this automatic data collection may include cookies, web beacons, JavaScripts, entity tags, HTML5 local storage, and resettable device identifiers.

This Policy does not cover the use of tracking technologies by third parties. The Services may contain links, content, advertising, or references to other websites by third parties. These third parties may use cookies or other tracking technologies to collect information about you when you use the Services. Please be aware that we do not control these third parties' tracking technologies or when and how they may be used.

Demographic Information.

We may collect demographic, statistical, or other aggregate information that is about you, but individually does not identify you. Some of this information may be derived from personal information, but it is not personal information and cannot be tied back to you. Examples of such aggregate information include gender, age, race, household income, and political affiliation.

Information from Other Sources.

We may receive information about you from other sources and add it to our account information. We protect this information according to the practices described in this Policy, plus any additional restrictions imposed by the source of the data. These sources may include online and offline data providers; publicly-available sources such as open government databases or social networks; and service providers who provide us with information based on their relationship with you.

SMS/Text Message Communications.

SMS Opt-In and Consent.

By providing your mobile phone number and opting in at https://go.fulcrumsmb.com/optin, you expressly consent to receive recurring automated text messages (SMS/MMS) from Fulcrum at the mobile number you provide. Consent is not a condition of any purchase or use of the Services.

Types of Messages.

Once opted in, you may receive text messages related to:

Appointment reminders, confirmations, and scheduling updates

Business updates, service announcements, and operational notices

Responses to inquiries you have submitted

Message Frequency.

Message frequency varies based on your activity and interactions with our Services. You may receive up to [X] messages per month. Message frequency may be higher during periods of active scheduling or account activity.

Message and Data Rates.

Message and data rates may apply. Please contact your mobile carrier for details about your plan's messaging rates.

How to Opt Out.

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a single confirmation message and no further SMS messages will be sent unless you re-enroll. You may also contact us directly using the contact information at the end of this Policy to request removal from our SMS list.

Help.

Reply HELP to any message for assistance, or contact us directly using the information in the Contact Us section below.

No Mobile Information Sharing.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support of services, such as customer service, is permitted. All other uses require your prior consent.

How We Use Your Information.

We may use the information we collect about you in a variety of ways, including:

to provide the Services and its content to you;

to respond to comments and questions, and provide customer service;

to fulfill the purpose for which you provide such information;

to communicate with you about your order, purchase, account, or subscription;

to inform you about important changes to, or other news about, the Services;

to operate, maintain, improve, personalize, and analyze the Services;

to monitor and analyze trends, usage, and activities for marketing or advertising purposes;

to detect, prevent, or investigate security breaches, fraud, and other unauthorized or illegal activity;

to carry out our obligations and enforce our rights arising from any contracts;

to maintain appropriate records for internal administrative purposes;

to allow you to participate in interactive features on the Services;

to send promotional communications, such as information about features, newsletters, offers, promotions, contests, and events;

to share information across the Company's products, services, and devices;

to develop, test, troubleshoot, and improve new products, services, and features;

in any other way we may describe when you provide the information; and

for any other purpose with your consent.

How We Share Your Information.

We may disclose aggregated or anonymized information about our users without any restrictions. We will not share your personal information except in the following circumstances:

With subsidiaries and affiliates for business purposes. To our subsidiaries and affiliated companies for purposes of management and analysis, decision-making, and other business purposes.

When we work with service providers. To service providers, professional advisors, contractors, and other third parties that provide us with support services, and who are bound by contractual obligations to keep personal information confidential.

When we become involved in a sale or transfer of the Company. If we become involved with a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets.

When we are required by law. To comply with any court order, law, or legal process, including to respond to any government or regulatory request.

When we enforce our rights. To enforce or apply this Policy, our Terms of Use, and other agreements, including for billing and collection purposes.

To help protect lawful interests. If we believe disclosure will help us protect the rights, property, or safety of the Company, our users, partners, agents, and others.

To fulfill the purpose for that information or with your consent. To fulfill the purpose for which you provide the information, for any other purpose disclosed by us when you provide the information, or with your consent.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.

Your Choices.

Mechanisms to Control Your Information.

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Cookies and Other Tracking Technologies. You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser.

Promotional Communications from the Company. If you do not wish to have your contact information used by the Company to promote our own or third-party products or services, you can opt out by (i) informing us of your preference at the time you register for an account; (ii) modifying your user preferences in your account profile; (iii) following the opt-out instructions in the promotional emails we send you; or (iv) sending us an email stating your request.

SMS/Text Messages. To opt out of SMS messages, reply STOP to any text message we send. See the SMS/Text Message Communications section above for full details.

Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt out by modifying your user preferences in your account profile.

Location Information. You may be able to adjust the settings of your device so that information about your physical location is not sent to us or third parties.

How We Respond to Do Not Track Signals.

"Do Not Track" is a privacy preference you can set in most web browsers. Please note that we currently do not respond to Do Not Track browser settings.

Accessing and Correcting Your Information.

You may send us an email to request access to, correct, or remove any personal information that you have provided to us. You may also access, correct, or remove your personal information by logging into the Website and visiting your account profile page. We cannot delete your personal information except by also deleting your account.

California Privacy Rights.

This part of the document integrates with and supplements the information contained in the rest of the privacy policy and is provided by the business running Website and, if the case may be, its parent, subsidiaries and affiliates.

The provisions contained in this section apply to all Users who are consumers residing in the state of California, according to the "California Consumer Privacy Act of 2018" (the "CCPA"), as updated by the "California Privacy Rights Act" (the "CPRA") and subsequent regulations.

Categories of personal information collected: identifiers, commercial information and internet information. We do not collect sensitive personal information. We will not collect additional categories of personal information without notifying you.

Your privacy rights under California law include the right to access, correct, delete, and opt out of the sale or sharing of your personal information. To exercise these rights, contact us using the information in the Contact Us section below. We will respond to your request within 45 days of its receipt (up to 90 days if additional time is needed). We do not charge a fee to process or respond to your verifiable request unless such request is manifestly unfounded or excessive.

Virginia Privacy Rights.

This part of the document integrates with and supplements the information contained in the rest of the privacy policy and applies to all Users who are consumers residing in the Commonwealth of Virginia, according to the "Virginia Consumer Data Protection Act" (the "VCDPA").

Categories of personal data collected: identifiers, commercial information and internet information. We do not collect sensitive data.

Your privacy rights under Virginia law include the right to access, correct, delete, obtain a copy of, and opt out of the processing of your personal data for targeted advertising. To exercise these rights, contact us using the information in the Contact Us section below. We will respond within 45 days (up to 90 days if needed). If your appeal is denied, you may contact the Virginia Attorney General to submit a complaint.

How We Protect Your Information.

We take reasonable precautions to secure your personal information. We have implemented technical, physical, and administrative security measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure, or modification of your information. All information you provide to us is stored on secure servers behind firewalls. When you transmit highly sensitive information (such as a credit card number) through the Services, we encrypt the transmission of that information using Secure Sockets Layer (SSL) technology.

While we have employed security technologies and procedures to assist in safeguarding your personal information, no system or network can be guaranteed to be 100% secure. Any transmission of personal information is at your own risk.

Terms of Use.

If you choose to visit the Services, your visit and any dispute over privacy are subject to this Policy and our Terms of Use (https://go.fulcrumsmb.com/terms), including limitations on damages, resolution of disputes, and application of the law of the State of TX.

Cookie Policy.

Website uses Trackers. To learn more, the User may consult the Cookie Policy (https://go.fulcrumsmb.com/privacy).

Contact Us.

We welcome your questions, comments, and concerns about privacy. You can contact us at:

Fulcrum

18333 Preston Rd., Suite 188

Dallas TX 75252

[email protected]