Navigation Financial Group (“Navigation Financial,” “we,” “us,” or “our”) operates the Financial Planning Navigator web application at fpn.navigationama.com (the “Service”). This Privacy Policy explains what information we collect, how we use it, and the choices you have. The Service is operated by SCRAD Management, LLC.

1. Information We Collect

• Account information: name, email address, and (optionally) phone number that you provide when you sign up.
• Assessment responses: the answers you provide to the 16 financial planning categories and any related notes.
• Professional contacts: names and contact details of advisors you choose to share with us (CPA, attorney, etc.).
• Usage information: standard web logs such as IP address, browser, and timestamps.

2. How We Use Your Information

• Provide, maintain, and improve the Service.
• Generate your personalized assessment results, score, and PDF summary.
• Communicate with you about your account, meeting requests, and — if you opt in — SMS reminders.
• Protect the security and integrity of the Service.

3. SMS Messaging & Consent

If you choose to provide a mobile phone number and opt in during onboarding, we may send you recurring text messages from Navigation Financial Group, including (1) confirmation when you submit your assessment, (2) confirmation when your advisor confirms a meeting request you initiated, and (3) periodic informational announcements from your advisor (no more than 12 per calendar year). Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to opt out at any time. See our SMS Consent & Opt-In page for the full opt-in flow.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All opt-in data and consent is not shared with any third parties.

Your mobile opt-in is collected only through your own account at fpn.navigationama.com and is used only to send you the messages described above.

4. How We Share Information

We do not sell your personal information. We share information only:

• With service providers that help us operate the Service (authentication, database hosting, email delivery, SMS delivery, PDF generation). These providers are bound by confidentiality and are only allowed to use the information to provide services to us.
• With your financial advisor at Navigation Financial Group, to support your planning work.
• When required by law, subpoena, or to protect the rights, safety, or property of any person.

We do not share phone numbers or SMS opt-in data with third parties for their own marketing.

5. Data Security

We use industry-standard safeguards including encryption in transit, authenticated access, and isolated data stores. No system is perfectly secure, but we work to protect your information.

6. Your Choices

• You can update your name, phone number, and contacts from your dashboard.
• You can opt out of SMS at any time by replying STOP.
• You can request deletion of your account and associated data by emailing scott@navigationama.com.

7. Children

The Service is not directed to children under 13, and we do not knowingly collect their information.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be noted on this page with an updated effective date.

9. Contact

Questions? Contact SCRAD Management, LLC at scott@navigationama.com.