Privacy Policy
Effective: September 10, 2026. Last updated: September 16, 2026.
Forging Smart Futures (FSF) is operated by Elementum Holdings LLC. This policy explains information handling on ForgingSmartFutures.com. Contact us at hello@forgingsmartfutures.com or Elementum Holdings LLC, 563 W Bay Area Blvd, #213, Webster, Texas 77598, United States.
Information you provide
When you contact us, we receive the name, email address, topic and message you submit. Our website may retain a private copy of the submission and send it to our mailbox. Please do not include passwords, Social Security numbers, bank or payment-card numbers, confidential employer records, or other sensitive documents.
FSF uses MailerLite to manage its optional newsletter. When you subscribe through our hosted signup form, MailerLite processes your email address, signup and confirmation records, technical information such as IP address, and email delivery and interaction information used to operate and evaluate our emails. Email reports may record delivery, opens and link clicks. We send a welcome email after confirmation, practical educational newsletters and occasional FSF membership offers. Newsletter consent is separate from paid membership; purchases do not automatically subscribe you. You can unsubscribe using the link in any marketing email. We retain unsubscribe records to honor your choice. Existing website signup requests will not be imported without reviewing their consent records. See MailerLite’s Privacy Policy.
WordPress, Paid Memberships Pro and WooCommerce support account functions. Depending on the function you use, we retain account identifiers, contact and billing information, membership status, order and subscription records, and payment or refund status. Passwords are handled through the account system; do not send them to us in a message. Paid membership enrollment is open.
Stripe is connected as our membership payment provider. Payment details are entered on Stripe-hosted checkout. Stripe processes payment and billing information and technical information for payment operations and fraud prevention. Our website receives transaction references, payment status and limited payment-method information needed to administer the membership; the configured checkout does not store full card numbers or card security codes in WordPress. Account and transaction records are separate from the entries in our calculators. Read Stripe’s Privacy Policy for its practices.
Website and device information
Our hosting and website systems process technical information needed to deliver and protect the site, which can include IP address, browser and device information, requested pages, request times and security events. Site cookies can support sign-in, sessions and remembering privacy choices. These technical records are separate from information you type into a calculator.
Use Manage consent to accept or reject optional cookies or change a previous choice. Necessary site functions may still use cookies. Browser settings can also delete or block cookies, although blocking necessary cookies may affect sign-in or other requested functions. With your statistics consent, FSF uses Google Analytics to measure public page visits, membership-link clicks and checkout starts. Google receives technical information associated with those requests, such as browser/device information and IP address, and may use analytics cookies. Our integration removes URL query parameters and does not send calculator entries, contact-form contents, account identifiers or billing details. It excludes private account pages and protected tools. Declining statistics consent prevents our Analytics tag from loading; withdrawing consent stops further collection through this integration. You can also delete existing cookies in your browser. FSF does not run advertising pixels or enable Google advertising personalization. Read Google’s Privacy Policy for Google’s practices.
Calculators, saved files and calendar exports
FSF’s current calculator designs perform calculations in your browser. Their form inputs are not submitted to FSF by the calculator. Where a tool offers Save, Print or Calendar export, you choose whether to create a file or send the result to your printer or calendar application. Saving a file is different from saving a plan in an FSF account; cloud plan storage is not currently offered.
Files can contain the labels, dates and amounts you entered. Anyone who can access your device, download folder, printed pages, backups or shared calendar may be able to read them. Calendar applications have their own privacy and sharing settings. Do not include account numbers or sensitive details in bill labels. FSF cannot remove a file or calendar entry you have exported to another service.
Why we use information and who handles it
We use information to operate and secure the website, respond to messages, manage requested signups and accounts, troubleshoot problems, and meet applicable legal obligations. Hostinger provides hosting and website email. WordPress, WooCommerce and their enabled integrations support website administration and account/store functions. FluentSMTP routes website email through the configured Hostinger mailbox. Complianz manages privacy choices. Its optional website-scanning and cookie-description services can receive our domain, detected cookie and plugin information; they are not a mechanism for uploading calculator entries.
Service providers process information needed for their functions. Information may be processed in countries other than your own. We may disclose information when legally required or reasonably necessary to protect rights, investigate misuse, or secure our services. Our current operation does not sell personal information or use it for targeted advertising. External links take you to independently operated websites governed by their own policies.
Retention and security
We retain information according to its purpose, including responding to requests, maintaining an account or requested signup, resolving problems and meeting legal obligations. Website email-delivery logs are configured for 14-day retention; copies in our mailbox, private form records and hosting backups have separate retention. Ask us to review or delete a record you no longer want retained. Some information may need to remain for security, legal or recordkeeping reasons, and backup copies may remain until normal replacement.
We use access controls and website security measures, but no website, email service or storage method can guarantee complete security. Keep your account password private and avoid submitting sensitive financial records.
Your choices and requests
Email hello@forgingsmartfutures.com to request access, correction or deletion of information you provided, withdraw a newsletter request, or raise a privacy concern. Depending on your location and the law applicable to FSF, you may have additional rights, including obtaining a copy of information or appealing a request decision. We may need to verify a request without collecting unnecessary information. If you disagree with our response, reply with Privacy appeal in the subject line; you may also contact your applicable privacy regulator. We will not discriminate against you for exercising applicable privacy rights.
Our educational services are intended for adults and are not directed to children under 13. If you believe a child has provided personal information, contact us so we can investigate and address it.
Changes
We will update the date above when this policy changes and provide additional notice when appropriate. Changes to payment services, analytics, membership features or cloud storage will require a review of this policy before those features launch.
Business assessments and service inquiries
When you submit a scorecard or service inquiry, we collect your name, business name, email, optional phone and website, and the business-process information you choose to provide, including optional revenue range, operational problem and request for follow-up. We use it to create your assessment, send the requested copy, and respond about your request. Authorized FSF administrators can access the record; our hosting and email providers process it to provide these functions. If our CRM connection is enabled, necessary contact details are also stored in HubSpot for handling the inquiry.
We do not enroll these leads in outbound campaigns or newsletters automatically. Newsletter signup is separate and requires confirmation through MailerLite. Unqualified scorecard and inquiry records are cleared from WordPress after 90 days. CRM deletion and suppression are reviewed separately to protect shared contacts and active relationships; contact us to request this review. Records needed for an active client relationship are handled separately; newsletter consent does not require keeping assessment answers indefinitely. Provider mail logs and backups follow their own retention schedules. Analytics do not receive your answers or contact fields.
Ask about your data or request deletion at hello@forgingsmartfutures.com. Forging Smart Futures, 563 W Bay Area Blvd, #213, Webster, TX 77598.