PRIVACY POLICY
Effective Date: 28 May 2026
1. WHO WE ARE
Financial Mastery Framework™ is operated by:
Zest Management Consultancies FZCO Dubai Silicon Oasis Dubai, United Arab Emirates
Governing law and jurisdiction are the laws of Dubai and the United Arab Emirates.
For privacy enquiries:
Email: [email protected]
2. OUR POSITION
Financial Mastery Framework™ is an educational, mentoring, training, networking, and business development platform.
We are not:
• a bank;
• investment firm;
• brokerage;
• regulated financial adviser;
• legal practice;
• tax advisory firm; or
• provider of regulated financial services.
Submission of personal information to FMF does not create:
• a fiduciary relationship;
• financial adviser-client relationship;
• investment advisory relationship;
• legal adviser-client relationship; or
• regulated professional services relationship.
Any information voluntarily disclosed by users relating to finances, business interests, investments, credit, wealth-building strategies, or personal objectives is disclosed entirely at the user’s own discretion and risk.
3. INFORMATION WE COLLECT
We may collect and process the following categories of information:
Identity Information
• Full name
• Date of birth
• Nationality
• Profile images
• Identification documentation where legally or operationally required
Contact Information
• Email address
• Telephone number
• Postal address
• Social media profiles or usernames
Business and Financial Information Information voluntarily submitted by users including:
• Business ownership details
• Employment information
• Professional background
• Investment experience
• Income ranges
• Property ownership information
• Entrepreneurial interests
• Financial objectives
We do not intentionally collect or store complete payment card information directly on our systems where payments are processed by third-party payment processors.
Technical Information
• IP addresses
• Device identifiers
• Browser information
• Operating system information
• Usage data
• Website interaction data
• Login activity
• Analytics and behavioural data
Educational and Community Information
• Webinar participation
• Course progression
• Belt progression records
• Accountability submissions
• Coaching participation
• Community participation
• Forum or group interactions
• Event attendance
Marketing and Communication Information
• Subscription preferences
• Communication history
• Survey responses
• Promotional engagement
• Customer support communications
4. HOW WE COLLECT INFORMATION
We may collect information:
• directly from users;
• through website forms;
• during programme enrolment;
• during applications;
• through event registration systems;
• through payment systems;
• through webinar platforms;
• through community platforms;
• through cookies and analytics technologies;
• through direct communication;
• through social media interactions; and
• through automated platform systems.
5. HOW WE USE INFORMATION
We may use personal information for legitimate business and operational purposes including:
• delivering educational services;
• administering memberships and programmes;
• managing applications and onboarding;
• processing payments;
• verifying identity where necessary;
• operating member communities;
• monitoring educational progression;
• administering belt structures and advancement;
• communicating with users;
• improving platform functionality;
• conducting analytics;
• maintaining operational security;
• fraud prevention;
• enforcing platform standards;
• marketing relevant products, services, webinars, events, or programmes; and
• complying with legal obligations.
6. LEGAL BASIS FOR PROCESSING
Where applicable, we process information based upon:
• consent;
• contractual necessity;
• legitimate business interests;
• operational requirements;
• legal obligations;
• fraud prevention;
• security protection; and
• educational administration requirements.
7. MARKETING COMMUNICATIONS
We may contact users by:
• email;
• telephone;
• SMS;
• WhatsApp;
• social media messaging; or
• other communication platforms voluntarily provided by users.
Users may opt out of marketing communications at any time using unsubscribe functionality or by contacting us directly.
Operational or administrative communications may still be sent where necessary.
8. AUTOMATED SYSTEMS, ANALYTICS, AND AI TOOLS
FMF may use:
• automated systems;
• behavioural analytics;
• platform automation;
• customer relationship management systems;
• tagging systems;
• artificial intelligence tools; and
• engagement monitoring technologies
for purposes including:
• improving user experience;
• personalising educational delivery;
• monitoring engagement;
• administering programmes;
• improving operational efficiency;
• maintaining platform security; and
• supporting customer services.
Such systems are administrative and educational support tools only and are not intended to provide regulated financial, legal, tax, or investment advice.
9. MEMBER INTERACTIONS AND COMMUNITY ENVIRONMENTS
FMF may facilitate:
• networking;
• masterminds;
• accountability systems;
• live events;
• online communities;
• educational discussions;
• introductions between members; and
• collaborative environments.
Users acknowledge that certain profile information, communications, participation history, or submitted content may become visible to authorised members within private educational or networking environments.
FMF does not:
• broker transactions;
• supervise commercial agreements;
• verify opportunities discussed by members;
• conduct due diligence on members;
• guarantee the legitimacy of opportunities;
• guarantee member conduct; or
• accept responsibility for third-party behaviour.
Any business relationship, transaction, partnership, lending arrangement, investment activity, or commercial agreement entered into between users or third parties is undertaken entirely at the participants’ own risk.
Users remain solely responsible for conducting their own legal, financial, tax, commercial, and professional due diligence.
10. GROUP DISCUSSIONS AND CONFIDENTIALITY
Participation in:
• webinars;
• live events;
• masterminds;
• networking environments;
• accountability groups;
• online communities; or
• mentoring sessions
may involve disclosure of information to other participants.
While FMF encourages professional conduct and respectful participation, we cannot guarantee:
• confidentiality;
• privacy;
• conduct;
• security; or
• behaviour
of third parties participating within community or educational environments.
Users are responsible for determining what information they choose to disclose.
11. RECORDINGS, MEDIA, AND CONTENT USAGE
FMF events, webinars, mentoring sessions, educational programmes, community environments, and live sessions may be recorded, photographed, transcribed, monitored, or otherwise captured for purposes including:
• education;
• training;
• quality assurance;
• operational review;
• security;
• marketing;
• promotional use; and
• business development.
By participating in FMF environments, users acknowledge and agree that:
• recordings may occur;
• their likeness, image, voice, comments, questions, participation, or submitted content may appear within recordings or media;
• FMF may use such content for legitimate business and promotional purposes; and
• no compensation shall be payable unless separately agreed in writing.
12. TESTIMONIALS AND SUCCESS STORIES
Where users voluntarily submit:
• testimonials;
• reviews;
• comments;
• videos;
• photographs;
• case studies;
• success stories; or
• public feedback
relating to FMF, users grant FMF a non-exclusive, worldwide, royalty-free licence to use, reproduce, publish, edit, adapt, distribute, and display such content for educational, marketing, promotional, and business purposes.
Users acknowledge that:
• individual results vary;
• testimonials are not guarantees of success; and
• published outcomes may not represent typical results.
13. SHARING INFORMATION
We may share information with trusted third parties where reasonably necessary including:
• payment processors;
• CRM providers;
• hosting providers;
• webinar providers;
• analytics providers;
• communication providers;
• cloud storage providers;
• professional advisers;
• legal advisers;
• compliance consultants; and
• contractors assisting with service delivery.
We do not sell personal information to third parties.
14. INTERNATIONAL DATA TRANSFERS
Because FMF operates internationally, personal information may be processed or transferred outside a user’s country of residence including to:
• the United Arab Emirates;
• the United Kingdom;
• the United States; and
• other jurisdictions where our service providers operate.
By using FMF services, users acknowledge that international transfers of information may occur.
Where reasonably practical, we seek to implement appropriate safeguards for such transfers.
15. DATA RETENTION
We retain information only for as long as reasonably necessary for:
• educational administration;
• operational purposes;
• legal compliance;
• dispute resolution;
• accounting requirements;
• fraud prevention;
• security purposes; and
• legitimate business interests.
Retention periods may vary depending upon the nature of the information and applicable legal or operational requirements.
16. SECURITY
We implement reasonable administrative, technical, organisational, and operational measures intended to protect personal information against:
• unauthorised access;
• misuse;
• disclosure;
• alteration;
• destruction; or
• loss.
However, no system, platform, transmission method, or storage process can be guaranteed to be completely secure.
Users provide information at their own risk.
17. COOKIES AND TRACKING TECHNOLOGIES
Our websites and platforms may use:
• cookies;
• analytics technologies;
• tracking tools;
• behavioural monitoring technologies; and
• similar systems
to:
• improve functionality;
• personalise user experience;
• analyse performance;
• improve marketing effectiveness; and
• enhance platform operations.
Users may adjust browser settings to limit or disable cookies, although certain platform functionality may be affected.
18. DATA ACCURACY
Users are responsible for ensuring that information submitted to FMF is accurate, complete, and reasonably up to date.
FMF shall not be responsible for issues arising from inaccurate, incomplete, outdated, or misleading information provided by users.
19. USER RIGHTS
Depending on applicable law and jurisdiction, users may have rights including:
• requesting access to personal information;
• requesting correction of inaccurate information;
• requesting deletion of information;
• objecting to certain processing activities;
• restricting processing in certain circumstances;
• withdrawing consent where processing is consent-based; and
• requesting portability of information where applicable.
Such rights may be subject to legal, contractual, operational, or regulatory limitations.
Requests may be submitted to:
[email protected]
20. THIRD-PARTY WEBSITES AND SERVICES
FMF platforms may contain links to third-party websites, software, communities, services, or platforms.
FMF is not responsible for:
• the content;
• privacy practices;
• security; or
• operation
of third-party platforms.
Users should independently review third-party policies before interacting with such services.
21. CHILDREN
FMF services are intended for adults aged 18 years or older.
We do not knowingly collect personal information from children.
If we become aware that information has been submitted by a minor without lawful authority, we reserve the right to delete such information.
22. CHANGES TO THIS POLICY
We reserve the right to amend, modify, or update this Privacy Policy at any time.
Updated versions shall become effective upon publication on our website or platforms unless otherwise stated.
Continued use of FMF services following publication of updates constitutes acceptance of the revised Privacy Policy.
23. GOVERNING LAW
This Privacy Policy shall be governed by and interpreted in accordance with the laws of Dubai and the United Arab Emirates.
To the fullest extent permitted by applicable law, any dispute arising out of or relating to this Privacy Policy shall be subject to the exclusive jurisdiction of the courts of Dubai, United Arab Emirates.
