Privacy Policy &
Terms of Use

Privacy Policy

Full Scope Money, LLC  ·  Effective Date: May 15, 2026  ·  Last Updated: May 15, 2026

At Full Scope Money, we believe in respecting your privacy the same way we ask our clients to respect their finances — with clarity, intention, and care. This policy explains, in plain English, what information we collect, how we use it, and the choices you have.

1. Who We Are

Full Scope Money, LLC ("Full Scope Money," "we," "us," or "our") is a South Carolina limited liability company offering financial coaching, financial education, and related services. This Privacy Policy applies to information collected through our website at fullscopemoney.com (the "Site") and through our coaching, communication, and engagement with prospective and existing clients.

2. Information We Collect

Information You Provide to Us
We collect information you voluntarily share with us, including:

• Contact information (name, email address, phone number) when you fill out a contact form, schedule a discovery call, or subscribe to communications
• Background information you share about your financial situation, goals, life stage, money concerns, or coaching preferences
• Information about how you heard about us and what you're looking for in a coaching engagement
• Any other information you choose to share through email, conversations, intake forms, or coaching sessions

Information Collected Automatically
When you visit the Site, we may automatically collect technical information, including:

• IP address (anonymized where possible), browser type, device type, and operating system
• Pages visited, time spent on each page, referring website, and general usage patterns
• Cookies and similar tracking technologies (see Section 6 below)

Information from Coaching Engagements
If you become a client, we will collect additional information necessary to provide coaching services, which may include details about your income, spending, debts, savings, financial goals, family situation, and emotional relationship with money. This information is collected directly from you and is treated as confidential client information governed by our coaching engagement letter and our professional obligations as a CERTIFIED FINANCIAL PLANNER® professional.

3. How We Use Your Information

We use the information we collect only for the purposes described below:

• To respond to your inquiries, schedule consultations, and communicate with you
• To provide coaching services and educational resources you request
• To send you emails or newsletters that you have specifically opted into receiving
• To improve the Site, our content, and our services
• To comply with legal obligations, including those required by the CFP Board, state regulators, and tax authorities
• To protect the rights, property, or safety of Full Scope Money, our clients, or others

We do not sell your personal information. We do not share your personal information with third parties for their marketing purposes. We do not use your information to make automated decisions that have legal or similarly significant effects on you.

4. How We Share Your Information

We share your information only in the limited circumstances described below:

• With trusted service providers who help us operate the Site or the business (e.g., email service providers, scheduling platforms, payment processors, secure document storage). These providers are contractually obligated to protect your information and use it only on our behalf.
• With your explicit consent, when you ask us to coordinate with another professional (e.g., your CPA, attorney, or financial planner)
• When required by law, court order, subpoena, or regulatory request, or to protect our legal rights
• In connection with a sale, merger, or transfer of all or part of our business, in which case the recipient will be bound by this Privacy Policy

5. How Long We Keep Your Information

We keep your information only as long as necessary for the purposes described in this policy and to comply with our legal obligations:

• Contact form submissions: retained for up to 3 years
• Client records: retained for at least 7 years following the end of the coaching engagement, as required by CFP Board recordkeeping standards and applicable tax law
• Marketing communications data: retained until you unsubscribe or request deletion
• Website analytics: retained for up to 26 months in anonymized or aggregated form

6. Cookies and Tracking Technologies

Our Site uses cookies and similar technologies to function properly, remember your preferences, and understand how visitors use the Site. We use:

• Essential cookies that are necessary for the Site to function
• Analytics cookies (such as Google Analytics with IP anonymization enabled) that help us understand aggregate Site usage
• Functional cookies that remember your preferences

You can control cookies through your browser settings. Disabling certain cookies may affect Site functionality. Where required by law, we will request your consent before placing non-essential cookies.

We honor Global Privacy Control (GPC) and similar opt-out preference signals as a valid opt-out of any "sale" or "sharing" of personal information (as those terms are defined under applicable law).

7. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information, including the right to:

• Know what personal information we have collected about you and how we use it
• Access and receive a copy of your personal information
• Correct inaccurate personal information
• Delete your personal information, subject to certain exceptions (e.g., records we must keep for tax or regulatory purposes)
• Opt out of the "sale" or "sharing" of personal information (we do not sell or share, but you may exercise this right at any time)
• Limit the use of sensitive personal information
• Not be discriminated against for exercising these rights

To exercise any of these rights, please contact us at legal@fullscopemoney.com. We will respond within 45 days, or sooner if required by applicable law. We may need to verify your identity before fulfilling certain requests to protect your information.

For California Residents
Under the California Consumer Privacy Act (CCPA), California residents have the rights described above. We do not sell personal information for monetary consideration and have not done so in the preceding twelve months. We do not knowingly collect personal information from individuals under the age of 16.

For European Residents
If you are located in the European Economic Area, United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) gives you certain rights regarding your personal data. Our lawful bases for processing your data are: (a) your consent, (b) the performance of a contract with you, (c) our legitimate interests in operating our business, and (d) compliance with legal obligations. You have the right to lodge a complaint with your local data protection authority.

8. Security

We take reasonable and appropriate technical and organizational measures to protect your information from loss, misuse, unauthorized access, disclosure, alteration, or destruction. These measures include encryption in transit, access controls, and secure storage. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

If we become aware of a data breach affecting your personal information, we will notify you and applicable authorities as required by law.

9. Children's Privacy

Our services are not directed to children under the age of 16. We do not knowingly collect personal information from children under 16. If you believe a child has provided us with personal information, please contact us so we can delete it.

10. Third-Party Links

The Site may contain links to third-party websites (such as podcast platforms, book retailers, or recommended resources). We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies before sharing any information with them.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of the policy. Material changes will be communicated through a prominent notice on the Site or via email if we have your email address. Your continued use of the Site after the effective date of any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

Full Scope Money, LLC
Email: legal@fullscopemoney.com
Mailing address: 1612 Wando View Lane, Mount Pleasant, SC 29464

Terms of Use and Disclaimers

Full Scope Money, LLC  ·  Effective Date: May 15, 2026  ·  Last Updated: May 15, 2026

Please read these Terms of Use carefully before using fullscopemoney.com or engaging with any content or services from Full Scope Money, LLC. By accessing the Site or engaging with our content, you agree to these Terms.

1. About Full Scope Money

Full Scope Money, LLC is a financial coaching practice founded by Barb Fallon, a CERTIFIED FINANCIAL PLANNER® professional and former forensic scientist. We offer financial coaching, financial education, and related services designed to help clients understand their relationship with money, build sustainable financial habits, and align their money with their values.

2. Educational and Coaching Purpose — Not Personalized Financial Advice

Financial coaching focuses on financial education, behavior, mindset, habits, organization, and goal-setting. It is distinct from financial planning, investment advisory services, tax preparation, or legal services. While Barb Fallon holds the CFP® certification, Full Scope Money is not currently engaged as a registered investment advisor. To the extent any service requires licensure, Full Scope Money does not provide such services through the Site or through coaching engagements unless expressly stated and properly licensed.

3. No Professional-Client Relationship from the Site

Use of the Site, reading the Content, or contacting us through the Site does not, by itself, create a coaching, advisory, fiduciary, professional, or any other formal relationship between you and Full Scope Money. A coaching relationship is formed only upon execution of a separate written coaching engagement agreement and payment of agreed fees.

4. You Are Responsible for Your Own Decisions

Any decisions you make based on information from the Site or from coaching engagements are your own. You should consult with qualified, appropriately licensed professionals — such as a registered investment advisor, attorney, CPA, or insurance professional — before making decisions that could materially affect your financial life. Full Scope Money strongly recommends that clients build a team of trusted professionals.

5. No Guarantees

Personal finance outcomes depend on many factors outside our control, including but not limited to your individual circumstances, market conditions, economic conditions, your effort, your follow-through, and decisions made by you and others. Full Scope Money does not guarantee any specific financial result, outcome, or improvement. Any examples, testimonials, or case studies on the Site reflect individual experiences and are not representative of typical results.

6. Intellectual Property

All Content on the Site — including text, graphics, logos, images, audio, video, downloadable worksheets, frameworks, methodologies, and the name and brand "Full Scope Money" — is the property of Full Scope Money, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. The signature methodology "Analysis With Empathy" and the tagline "Focus on life" are proprietary to Full Scope Money.

You may download or print Content for your personal, non-commercial use only. You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, republish, sell, license, or commercially exploit any Content without our prior written permission. Worksheets and downloadable resources are licensed to you for your personal financial use; redistribution, resale, or use as part of any competing service or program is prohibited.

7. Testimonials and Endorsements

Any testimonials displayed on the Site are from actual clients, used with their written permission, and may be edited for length or clarity. Testimonials reflect individual experiences and do not guarantee similar results for any other person. Full Scope Money complies with the CFP Board's rules on testimonials and endorsements and with applicable Federal Trade Commission guidelines.

8. Third-Party Resources

The Site may recommend books, podcasts, websites, or other resources. These recommendations are provided for informational purposes only. We are not responsible for the content, accuracy, or availability of third-party resources, and recommending a resource does not constitute an endorsement of every view expressed by its author or producer. Where we have any material financial relationship with a recommended resource (such as an affiliate relationship), we will disclose it clearly.

9. Limitation of Liability

10. Indemnification

You agree to defend, indemnify, and hold harmless Full Scope Money, LLC and its members, employees, agents, and contractors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Site or the Content; (b) your breach of these Terms; (c) your violation of any law or third-party rights; or (d) any decision you make in reliance on the Content or any coaching engagement.

11. Disclaimer of Warranties

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict-of-law principles. Any disputes shall be resolved as described in Section 13.

13. Dispute Resolution — Informal Resolution, Then Arbitration

Informal Resolution First
Before filing any formal claim, you agree to first contact us in writing at the address provided and give us a reasonable opportunity (at least thirty (30) days) to attempt to resolve the dispute informally.

Binding Arbitration
If informal resolution fails, any dispute, claim, or controversy arising out of or relating to the Site, the Content, these Terms, or any coaching engagement shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in Charleston, South Carolina, or by remote means as the parties agree. The arbitrator's decision shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

Exceptions
Notwithstanding the above, either party may bring an individual action in small claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction for claims relating to intellectual property, confidentiality, or unauthorized use of the Site.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last Updated" date above. Material changes will be communicated through a prominent notice on the Site. Your continued use of the Site after the effective date of any changes constitutes your acceptance of the updated Terms.

16. Entire Agreement

These Terms, together with the Privacy Policy and any coaching engagement agreement you sign with us, constitute the entire agreement between you and Full Scope Money regarding your use of the Site and our services.

17. Accessibility Statement

Full Scope Money is committed to making its website accessible to all visitors, including those with disabilities. We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, published by the World Wide Web Consortium (W3C). We are continually working to improve the accessibility of our content and welcome feedback from users who encounter barriers.

If you experience difficulty accessing any portion of the Site, or if you need an accommodation to access our content or services, please contact us at legal@fullscopemoney.com. We will make reasonable efforts to provide the information you need in an accessible format and to address the barrier you encountered.

18. Contact Us

If you have questions about these Terms, please contact us:

Full Scope Money, LLC
Email: legal@fullscopemoney.com
Mailing address: 1612 Wando View Lane, Mount Pleasant, SC 29464