Privacy Policy, Terms of Use & Membership Agreement

This Privacy Policy, Terms of Use, and Membership Agreement (“Agreement”) governs access to and participation in all Friends of the Movement Global (“FotM”) programs, websites, applications, campaigns, membership offerings, directories, reporting systems, merchant platforms, advocacy initiatives, communication channels, and related services.

By registering, enrolling, accessing, browsing, participating in, or using any FotM service, you agree to be bound by this Agreement.

Section 1

1. Who We Are

Friends of the Movement Global (“FotM”) is a membership-based organization and technology platform focused on economic empowerment, consumer engagement, business visibility, community impact, spending analytics, educational initiatives, advocacy participation, and related programs designed to strengthen communities through organized economic activity.

Section 2

2. Membership Participation

Participation in FotM programs is voluntary. Membership may include access to:

• Community initiatives
• Business directories
• Educational resources
• Events
• Campaign participation
• Merchant engagement opportunities
• Reporting tools
• Rewards programs
• Referral programs
• Community communications
• Economic impact initiatives

FotM reserves the right to modify, expand, suspend, or discontinue any membership benefit at any time.

Membership fees, where applicable, are generally non-refundable unless otherwise required by law.

Membership does not create ownership rights, partnership rights, voting rights, securities interests, or equity interests in FotM unless expressly provided through a separate written agreement.

Section 3

3. Our Privacy Commitment

Protecting consumer privacy is a foundational principle of FotM.

• We do not sell individual purchase information.
• We do not sell transaction histories.
• We do not sell personal spending behavior.
• We do not sell financial account information.
• We do not sell personally identifiable consumer purchasing information to merchants, corporations, advertisers, advocacy organizations, political organizations, data brokers, or third parties.

Our objective is to measure collective economic impact, not to monetize individual consumer behavior.

Section 4

4. Aggregated and Anonymized Reporting

FotM may generate reports, dashboards, economic measurements, participation metrics, campaign reports, business reports, community impact reports, and related analytics.

Whenever reasonably possible, information used for reporting purposes is aggregated, anonymized, or de-identified to reduce the likelihood that individual participants can be identified.

Reports may include:

• Community spending totals
• Geographic trends
• Category trends
• Campaign participation metrics
• Merchant participation metrics
• Community impact measurements
• Economic activity summaries

The purpose of such reporting is to understand collective activity rather than individual behavior.

Section 5

5. No Direct Access to Consumer Financial Accounts

FotM is not a bank. FotM does not accept deposits. FotM does not hold customer funds. FotM does not maintain access to consumer banking credentials.

FotM does not store:

• Online banking usernames
• Banking passwords
• PIN numbers
• Security questions
• Authentication credentials

Where financial connectivity services are utilized, such services may be facilitated by independent third-party providers utilizing encrypted connections and commercially reasonable security safeguards. FotM personnel do not have access to consumer banking credentials.

Section 6

6. Data Security

FotM utilizes commercially reasonable administrative, technical, organizational, and physical safeguards designed to protect information entrusted to the platform. Security measures may include:

• Encryption technologies
• Access controls
• Authentication procedures
• Security monitoring
• Audit logging
• Fraud detection tools
• Vendor reviews
• Role-based permissions
• Industry-standard cybersecurity practices

No system can guarantee absolute security. Users acknowledge that all electronic systems carry inherent risks.

Section 7

7. Third-Party Services

FotM may utilize third-party providers to support platform operations, including:

• Payment processors
• Hosting providers
• Analytics providers
• Communication providers
• Identity verification providers
• Security providers
• Artificial intelligence providers
• Rewards providers
• Customer support providers
• Financial connectivity providers

Such providers maintain their own terms, policies, and practices. FotM is not responsible for the actions, omissions, outages, failures, or security incidents of independent third-party providers.

Section 8

8. User Responsibilities

Participants agree to:

• Provide accurate information
• Maintain account security
• Comply with applicable laws
• Respect other users
• Use platform services in good faith
• Avoid fraudulent conduct

Users are responsible for activity occurring through their accounts.

Section 9

9. Prohibited Conduct

Users may not:

• Submit false information
• Submit fraudulent spending activity
• Create fake accounts
• Misrepresent businesses
• Interfere with platform operations
• Circumvent platform security
• Upload malicious software
• Violate intellectual property rights
• Engage in unlawful conduct

Section 10

10. False Reporting Policy

The integrity of platform data is critical. Individuals who knowingly submit false information, fraudulent reports, fabricated spending activity, manipulated records, fake businesses, or misleading information may be subject to:

• Account suspension
• Permanent account termination
• Loss of rewards
• Membership revocation
• Removal from programs
• Civil legal action
• Referral to law enforcement when appropriate

Section 11

11. Intellectual Property Rights

All trademarks, service marks, trade names, proprietary systems, software, databases, content, reports, methodologies, graphics, designs, algorithms, educational materials, campaign structures, websites, applications, and related intellectual property associated with FotM are protected by applicable law.

This protection includes, without limitation:

• Friends of the Movement Global®
• FotM®
• Our Money United®
• SWAYM®
• Black Wall Street Ticker®
• Conscious Spending Ticker®
• Corporate Friends®

and all associated logos, slogans, visual identities, reporting systems, content, technology, and proprietary methodologies.

Unauthorized copying, distribution, licensing, reverse engineering, scraping, commercialization, republication, or derivative use is strictly prohibited.

Section 12

12. Artificial Intelligence & Analytics

FotM may utilize artificial intelligence, machine learning systems, automation technologies, predictive analytics, reporting systems, recommendation systems, and algorithmic tools to improve operations and user experiences.

Such tools are informational in nature and do not constitute legal, financial, investment, tax, or professional advice.

Section 13

13. Disclaimer of Warranties

All services are provided on an “AS IS” and “AS AVAILABLE” basis. FotM makes no guarantee regarding:

• Platform availability
• Platform performance
• Specific outcomes
• Economic results
• Business growth
• Campaign results
• Revenue generation

Section 14

14. Limitation of Liability

To the fullest extent permitted by law, FotM, its officers, directors, employees, contractors, advisors, affiliates, sponsors, licensors, and partners shall not be liable for indirect, incidental, consequential, punitive, or special damages arising from participation in the platform.

Section 15

15. Class Action Waiver

To the fullest extent permitted by law, users agree that disputes shall be pursued solely on an individual basis and not as part of any class action, representative action, collective action, or consolidated proceeding.

Section 16

16. Governing Law

This Agreement shall be governed by the laws of the State of Georgia without regard to conflict-of-law principles. Any dispute shall be brought exclusively in the state or federal courts located within Georgia.

Section 17

17. Changes to This Agreement

FotM reserves the right to modify, amend, replace, update, suspend, or discontinue any portion of this Agreement at any time. Continued participation following publication of updates constitutes acceptance of such changes.