PRIVACY POLICY & COOKIES

Effective Date: October 16, 2025

Jurisdiction: Florida, United States

Futuresmart.me is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information in accordance with the Florida Digital Bill of Rights (SB 262), U.S. federal laws, and applicable research ethics standards.

1. Information We Collect

• Personal Data: Email address, name (if provided), and purchase history.
• Device Data: IP address, browser type, and usage analytics.
• Transaction Data: Payment details (processed securely via PCI-compliant platforms).
• Research Participation Data: If you opt into research activities, we may collect survey responses, behavioral data, or feedback related to neuroscience, psychology, or executive function studies.
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2. How We Use Your Data

• To deliver books, digital content, and updates.
• To send newsletters and curated insights (only with your consent).
• To improve site performance and personalize your experience.
• To conduct research aligned with our mission to validate emotional and executive function frameworks.
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3. Research Ethics & IRB Compliance
Futuresmart.me may conduct or collaborate on research involving human participants. All such activities will:

• Be reviewed and approved by an Institutional Review Board (IRB) or equivalent ethics committee.
• Include informed consent documentation outlining purpose, risks, benefits, and data use.
• Ensure voluntary participation and the right to withdraw at any time.
• Anonymize or de-identify data where appropriate.
• Comply with federal regulations including 45 CFR 46 (Common Rule) and applicable state laws.
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4. Your Rights
Under Florida SB 262 and U.S. law, you have the right to:

• Access, correct, or delete your personal data.
• Opt out of targeted advertising and data sharing (we do not sell your data).
• Request information about how your data is used.
• Limit data collection for minors (we do not knowingly collect data from users under 18).
  To exercise these rights, contact us.

5. Data Sharing & Security

• We do not sell your data.
• We use secure third-party services under strict confidentiality.
• Data is encrypted and stored securely.

6. Cookies & Tracking
We use cookies to analyze traffic and improve user experience. You may manage preferences in your browser. Learn more in our Cookie Policy.

Terms of Service
Effective Date: October 16, 2025

By accessing Futuresmart.me, you agree to the following terms:

1. Intellectual Property
All content—including books, frameworks, and downloads—is owned by Futuresmart.me and protected by copyright. You may not reproduce or distribute without written permission.

2. Purchases & Refunds

• All sales are final unless otherwise stated.
• If you experience issues, contact [your email] for support.

3. Acceptable Use
You agree not to:

• Use the site for unlawful purposes.
• Attempt unauthorized access to data or systems.
• Disrupt or harm the site’s functionality.

4. Disclaimers
Our content is for educational and informational purposes. We do not provide legal, medical, or financial advice.

5. Governing Law
These terms are governed by the laws of the State of Florida.

Email & Communications Policy

We only send emails to users who opt in. These may include:

• Book updates
• Research insights
• Technology and future trend commentary
• Exclusive offers

You may unsubscribe at any time via the link in our emails or by contacting us directly.

To comply with the CAN-SPAM Act:

• We include a clear unsubscribe link in every email.
• We use accurate sender names and subject lines.
• We provide a physical mailing address.
• We honor unsubscribe requests within 10 business days.

Cookie Policy

Futuresmart.me uses cookies and similar technologies to:

• Analyze site traffic and usage.
• Personalize content and recommendations.
• Improve user experience.

You may manage or disable cookies in your browser settings. Some features may not function properly without cookies.

Children’s Data Protection

We do not knowingly collect personal data from users under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

To comply with COPPA and Florida Statutes §501.1735:

• We avoid deceptive design patterns.
• We include age disclaimers where appropriate.
• We require parental consent for any youth-targeted data collection.

Secure Payment Policy

All payments are processed through PCI-compliant platforms such as Stripe or PayPal. We do not store raw credit card data.

To protect your transactions:

• We use SSL encryption.
• We display trust badges and secure checkout indicators.
• We provide clear pricing and refund terms at checkout.

Accessibility Statement

Futuresmart.me is committed to digital accessibility. We strive to meet WCAG 2.1 standards and ensure:

• Screen reader compatibility
• Keyboard navigation
• Alt text for images
• Color contrast and readability

If you encounter accessibility issues, please contact us at [your email].

Copyright & Licensing Policy

All content on Futuresmart.me is protected by copyright. Unless otherwise stated:

• Downloads are for personal use only.
• Redistribution, resale, or modification is prohibited without written permission.
• Licensing terms are included with each product.

Sales Tax & E-Commerce Registration

Futuresmart.me complies with Florida sales tax laws. We:

• Collect sales tax on applicable digital and physical goods.
• Register with the Florida Department of Revenue.
• Display tax-inclusive pricing or show tax at checkout.

Contact & Support

For questions, support, or legal inquiries, contact:

Futuresmart.me

Nicholas Arnold Ishak

Firstpragma@gmail.com

3518 W Vine St. Kissimmee FL.