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Section 1: Privacy Policy

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This Privacy Policy governs the manner in which F. Liu, Trustee & Co., LLC., a domestic Limited Liability Corporation, dba: Felix Banker ("Felixbankr" or "We") collects, uses, maintains and discloses information collected from users ("You" or a “User”) of Felixbankr Services. Felixbankr Services include, without limitation, the Felixbankr Website (https://felixbankr.com and/or felixbanker.com) and the From Debt Spiral to Freedom digital products (“Services”). This privacy policy has been compiled to better serve those who are concerned with how their Personally identifiable information (“PII”) is being used online. Please read our privacy policy carefully to get a clear understanding of how we handle your PII in accordance with our Services.

Personal information we may collect from Users: When ordering or registering for any Services, as appropriate, you may be asked to enter your Name, Contact information (such as: Mailing Address, Phone Number, E-mail Address), debt details, and any other personal information you provide to us to help you with your experience.

When do we collect information? We may collect information from you when you register, make a purchase, sign up for our newsletter, respond to a survey, fill out a form, or surf the website. We also collect certain information automatically, including your IP address, browser name, and technical information about your device and operating system. This information is used to troubleshoot problems and provide better service.

How do we use your information? We may use the information we collect from you in the following ways:

• To provide the Services and digital downloads you have requested.

• To personalize your experience and deliver content you are most interested in.

• To improve our Services and customer service response.

• To quickly process your transactions.

• To send periodic emails regarding your order or other financial products and services. If at any time you would like to unsubscribe, instructions are included at the bottom of each email.

How do we share your personal information?
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We strictly do not exchange, barter, sell, trade, market, or rent Your personal identification information to others.
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We may share information with third-party service providers (such as website hosting and email management) that help us operate our business. We may also share information as required by law to comply with a court order or to prevent fraud.

How do we protect visitor information? We use reasonable data collection, storage, and processing practices and security measures to protect against unauthorized access or disclosure. Our website is scanned on a regular basis for security holes and known vulnerabilities. We use 3rd party services for list management and secure processing of transactions.

Corrections and Deletions: To correct or request deletion of your personal information, you can send an email to (see below). If you withdraw consent for us to process your data, you may lose the ability to utilize our Services.

Do we use ‘cookies’? Yes. We use cookies to help us remember and process items in your shopping cart, understand your preferences for future visits, and compile aggregate data about site traffic. You can choose to turn off cookies through your browser settings, though some features of our services may not function properly.

Third party links: Occasionally, we may include or offer third-party products or services. These sites have their own independent privacy policies. We have no responsibility or liability for the content and activities of these linked sites.

Google: We may use Google AdSense and Google Analytics. Google uses cookies to serve ads based on your visit to our site and other sites on the Internet. Users may opt out via the Google Ad and Content Network privacy policy and other social medias including META (Facebook), Inc., Pinterest, Youtube, Instagram, Etsy, X, and Thread.

California Online Privacy Protection Act (CalOPPA): According to CalOPPA, we agree that:

• Users can visit our site anonymously.

• We will provide a conspicuous link to this policy.

• Users will be notified of any privacy policy changes on our Privacy Policy Page.
  
  

How does our site handle "Do Not Track" signals? We honor "Do Not Track" signals and do not track or plant cookies when a DNT browser mechanism is in place.

Protecting Children's Privacy: Our Services are intended for individuals over the age of 18. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child, notify us at (See Below).

Fair Information Practices & CAN-SPAM Act: In the event of a data breach, we will notify users via email within 7 business days. To be in accordance with CAN-SPAM, we agree to:

• NOT use false or misleading subjects or email addresses.

• Include the physical address of our business: 13809 Research Blvd. 5th Floor, Austin, TX 78750.

• Honor opt-out/unsubscribe requests quickly.
  
  

International Access; Acceptance of Policy: If you are accessing our Services from outside the USA, your information will be transferred to, stored, and processed in the United States. By using our Services, you consent to this transfer and processing.

Contacting Us: If there are any questions regarding this privacy policy, you may contact us using the information below: Website: www.felixbankr.com Address: 13809 Research Blvd., 5th Floor, Austin, TX 78750 Email: See Below.

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Section 2: Terms & Conditions

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1. Terms: By accessing this website or purchasing the From Debt Spiral to Freedom eBook (Lite or Premium), you are agreeing to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site or its digital products. The materials contained in this website are protected by applicable copyright and trademark law.

2. Use License: Permission is granted to download one copy of the materials (information or software) on Felixbankr’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

• Modify or copy the materials.

• Use the materials for any commercial purpose, or for any public display (commercial or non-commercial).

• Attempt to decompile or reverse engineer any software contained on the website.

• Remove any copyright or other proprietary notations from the materials.
  
  

3. Disclaimer & Financial Result Warning: The materials on Felixbankr’s website and within the digital products are provided “as is.” F. Liu, Trustee & Co. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

Further, Felixbankr does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials. All examples provided, including the "$50k success story" and "0% interest approvals," are real-world examples but must not be understood as a promise or expectation that such examples will generate similar results for you. Results are highly dependent on individual creditor policies, your personal financial history, and your execution of the strategies. We do not believe in “magic bullets”; any results disclosed are the outcome of consistent effort and negotiation.

4. Limitations: In no event shall Felixbankr or its suppliers be liable for any damages (including, without limitation, damages for loss of data, loss of profit, or impact on credit scores) arising out of the use or inability to use the materials, even if F. Liu, Trustee & Co. or an authorized representative has been notified orally or in writing of the possibility of such damage.

5. Revisions and Errata: The materials appearing on Felixbankr’s website could include technical, typographical, or photographic errors. We do not warrant that any of the materials are accurate, complete, or current. We may make changes to the materials at any time without notice.

6. Links and Affiliates: Felixbankr has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement. Use of any such linked website is at the user’s own risk.

7. Site Terms of Use Modifications: Felixbankr may revise these terms of use for its website at any time without notice. By using this website you are agreeing to be bound by the then-current version of these Terms and Conditions of Use.

8. Governing Law: Any claim relating to Felixbankr’s website or products shall be governed by the laws of the State of Texas without regard to its conflict of law provisions. Company Address: 13809 Research Blvd. 5th Floor, Austin, TX 78750. Contact: (See Below)

9. Important Sales Tax Information: We do not collect sales or use taxes in all states. For states imposing sales or use taxes, your purchase is subject to use tax unless it is specifically exempt from taxation. It is your responsibility to report taxable purchases that were not taxed at the time of sale to your respective taxing authorities.