Privacy Policy

Last updated 01/02/2026

Financial Independence believes it is essential that we maintain the privacy of the nonpublic
personal information that you provide to us and that we obtain in connection with providing our
products and services to you.

Financial Independence limits the use, collection, and retention of such information to what we
believe is necessary or useful to conduct our business and to provide and offer you quality
products and services, as well as other opportunities that may be of interest to you.
Information collected may include, but is not limited to name, address, telephone number, tax
identification number, date of birth, employment status, annual income, and net worth.

What Information Do We Collect/Use?

In providing products and services to you, we collect nonpublic personal information about you
from these sources:

• Information we receive from you on applications or other forms (e.g.
  investment/insurance applications, new account forms, and other forms and
  agreements);
• Information about your transactions with us, our affiliates or others (e.g. broker/dealers,
  clearing firms, or other chosen investment sponsors); and
• Information we receive from consumer reporting agencies (e.g. credit bureaus), as well
  as other various materials we may use to put forth an appropriate recommendation, or
  to fill a service request.

Who Has Access to Your Information?

Financial Independence places strict limits on who receives specific information about your
account(s) and other personally identifiable data. Because we rely on certain third parties for
services that enable us to provide our advisory services to you, such as our attorneys,
auditors, other consultants, brokers, and custodians who, in the ordinary course of providing
their services to us, we may share such information with such third parties containing your
nonpublic personal information. Additionally, we will share such information where required by
legal or judicial process, such as a court order, or otherwise to the extent permitted under the
federal privacy laws.

We may also disclose such information to others upon your instructions.

We restrict access to nonpublic personal information about you to those persons associated
with Financial Independence, who need access to such information in order to provide our
products or services to you. We maintain physical, electronic, and procedural safeguards that
comply with federal standards to guard your nonpublic personal information.

Use of Artificial Intelligence Tools

Financial Independence may utilize artificial intelligence–enabled tools and software to support
internal business operations, such as financial planning, data analysis, document drafting, and
administrative functions. Any such tools are used subject to the same privacy, confidentiality,
and security standards described in this notice. Nonpublic personal information is not used to
train external artificial intelligence models, and access to such information is limited to authorized personnel and service providers who are required to maintain its confidentiality and
security in accordance with applicable federal privacy laws.

What if You No Longer Desire the Services of Financial Independence?

If you decide to close your account(s) or become an inactive customer, we will adhere to the
privacy policies and practices as described in this notice.

What Can You Do to Protect Your Own Information?

Financial Independence recommends taking the following precautions to help protect against
the unauthorized disclosure and use of your account and personal information.

• Always review your account statements as soon as possible and report any suspicious
  activity to your advisor immediately. Take advantage of convenient services that allow
  you to review your account activity online. Doing so on a frequent, regular basis can
  further protect you from unauthorized activity.
• Do not respond to any emails requesting account numbers, passwords or PINs. Call the
  institution to verify the legitimacy of the email.
• Memorize PINs and avoid writing down PINs, Social Security numbers, debit or credit
  card numbers where they could be accessed by others.
• Shred documents containing any sensitive information (e.g. bank statements) before
  discarding.
• Review your credit report at least once every year to ensure that all of your information
  is up to date.
• Use a password manager to store/safeguard credentials as opposed to saving
  credential in an internet browser

Financial Independence reserves the right to change any of its privacy practices, policies or
procedures described above, at any time without prior notice. However, you will be promptly
provided with a current copy of our privacy notice upon material changes or upon request. So
long as you remain an active customer, you will receive a current copy of our privacy notice at
least annually. The privacy information above is for general guidance and does not constitute a
contract, create legal rights, modify or amend any agreements we have with you.
If you have any questions about this privacy policy, please contact Rick Campbell using the
information provided below.

FINANCIAL INDEPENDENCE, LLC
931 Jefferson Boulevard - Suite 2005
Warwick, RI 02886

Phone: (401) 681-4825
Fax: (401) 681-4837
Cell: (401) 301-9089
E-mail: rick@fi-ri.com