LEGAL
Privacy, Security, and Terms
Privacy, Security, and Terms
This page describes how 101 Financial Group, LLC (“101,” “we,” “our,” “us”) collects and uses information across all of our services, including our public website (101financial.com), our customer platform (app.101financial.com), our learning management system (my.101financial.com), and our internal business-building tool for instructors, ABE (app.101financial.com — the AI Business Building Experience).
Effective date: January 1, 2020. Last updated: August 1, 2026.
The most recent material updates (August 1, 2026) added disclosures about our instructor tool (ABE), our use of Google Calendar integration, our use of artificial intelligence, our current list of third-party service providers, data retention, and rights under state and regional privacy laws.
Privacy
Respecting Your Privacy
101 Financial Group, LLC (“101”) values and respects your right to privacy. The information you provide to us is collected with the goal of servicing you better.
Our Commitment
101 is committed to providing you with top-quality, comprehensive services via a secure online experience that protects your privacy.
Sharing Your Information
101 will not sell or rent any customer information. At no time does 101 share your password with any third party.
Third-Party Service Providers
To operate our website and services (including ABE), 101 Financial works with a small number of trusted third-party service providers. These providers are contractually restricted to using information only to provide services to us and are not permitted to use information for their own marketing or to share it further.
Current service providers include:
Hosting and infrastructure — Salesforce Heroku (application hosting), Amazon Web Services (data storage and backups)
AI processing — Anthropic (message drafting and coaching AI models used by ABE)
Calendar integration (optional, opt-in only) — Google (when an instructor chooses to connect their Google Calendar to ABE)
CRM data sourcing — Keap / Infusionsoft (source system for customer records, workshop registrations, and university events)
Learning platform — WordPress with LearnDash and Memberium (my.101financial.com)
Communications — SendGrid (transactional email delivery)
We may update this list over time. Material changes will be reflected in this policy.
Children’s Privacy
101 does not provide services to minors (children under the age of 18), nor do we intentionally collect data from minors. Should a minor send personal information to us, we will use that information only to respond directly to that minor to inform him or her that we may not provide service to them. Data known to be from minors will be immediately deleted.
What information is collected?
If you request information through our website’s contact us form, we ask for your name, address, email address, and phone number. This allows us to send you your requested information.
If you complete our 101 financial analysis, we ask for your contact and other personal information, and information on your income, mortgage(s), expenses, and debt. We do not ask you for security-sensitive information such as account numbers, login and passwords, or your Social Security number. Do not give out this information via our forms or email.
If you sign up to receive e-newsletters, we ask for your email address.
If you are a 101 Financial instructor using ABE, additional information you enter into the tool (prospect names, contact details, personal context, notes) is stored to help you manage your instructor business. See the ABE section below for details.
How is the information used?
Information we collect is used to contact you and send you requested information, create your financial analysis, or contact you in the event there are questions about any information you submit to us.
We may occasionally notify you of new developments at 101. If you do not want to receive any unsolicited announcements from us, we ask that you indicate this preference where personal information is requested. Or please email us at customerservice@101financial.com.
Use of Artificial Intelligence
Some 101 Financial services use artificial intelligence to help our instructors draft personalized outreach to their prospects, coach them on their business, and generate content recommendations. When AI is used to process information you provide, that information is sent to our AI service provider (currently Anthropic) under a contract that restricts how they may use the data. Our AI service provider does not use your information to train their general models.
AI-generated outputs may occasionally be inaccurate or incomplete. Instructors review every AI-drafted message before sending it, and 101 Financial does not represent AI outputs as professional financial advice.
ABE — 101 Financial’s Instructor Business-Building Tool
101 Financial provides its contracted instructors with a private business-building tool called ABE (AI Business Building Experience), available at app.101financial.com. ABE helps instructors organize their prospects, draft outreach messages in their own writing voice using AI, track their business pipeline, coordinate workshops, and manage their teams. ABE is not available to the general public.
What ABE stores:
Instructor profile information (name, contact details, business preferences, communication style samples, team relationships)
Prospect information the instructor enters (names, contact details, personal context, notes, message history)
AI-drafted messages and instructor edits to those messages
Coaching activity logs, workshop attendance, and pipeline progress
Optional Google Calendar OAuth credentials (only if the instructor chooses to enable Google Calendar Sync — see next section)
How ABE uses stored information:
To display an instructor’s leads, students, and team on their dashboard
To generate personalized message drafts (which the instructor reviews and edits before sending)
To provide weekly coaching recommendations based on the instructor’s own activity
To surface progress against the instructor’s growth path (Voyage)
How instructors can disconnect or delete:
Instructors may disconnect optional integrations (Google Calendar, etc.) at any time from ABE’s settings. Requests to delete instructor account data may be made in writing to privacy@101financial.com, subject to 101’s contractual and legal record-keeping obligations. Deletion of prospect records may be performed by the instructor directly within ABE.
Google Calendar Sync — Use of Google User Data
If you are a 101 Financial instructor and you connect your Google Calendar to ABE, the following disclosures apply.
What Google user data ABE accesses:
ABE requests the https://www.googleapis.com/auth/calendar.events scope. With your explicit consent, this allows ABE to create, update, and delete calendar events on your Google Calendar that ABE itself has created. ABE does not read your existing calendar events, does not access other calendars in your account, and does not access your Google account profile beyond your email address (used to display which account is connected).
How ABE uses Google user data:
ABE writes calendar events to your Google Calendar that reflect items you have scheduled inside ABE — workshops you are teaching, follow-up reminders, next-action tasks with due dates, upcoming student class dates, university events, and mission end dates. These events are populated onto your own Google Calendar so you can see your ABE schedule from your phone or any other calendar surface you already use.
How ABE stores Google user data:
The OAuth refresh token ABE receives from Google is encrypted at rest using AES-256-GCM before being written to the database, and is decrypted only in memory at the moment of a sync. The token is never written to logs, never shared with third parties, and never used for any purpose other than pushing your own ABE-created events onto your own Google Calendar. Access tokens are short-lived and are re-issued from the refresh token as needed.
How to revoke ABE’s access:
You may disconnect Google Calendar at any time from ABE’s settings page at app.101financial.com/settings/calendar. On disconnect, ABE (a) deletes every calendar event that ABE itself created on your Google Calendar, (b) revokes the OAuth refresh token with Google, and (c) hard-deletes the encrypted token from ABE’s database. You may also revoke ABE’s access directly from your Google account at https://myaccount.google.com/permissions.
Google API Services User Data Policy — Limited Use:
ABE’s use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. Specifically:
ABE uses Google Calendar data only to provide or improve user-facing features that are prominent in ABE (calendar sync from ABE to your Google Calendar).
ABE does not transfer Google Calendar data to any third party except as necessary to provide or improve those user-facing features, to comply with applicable law, or as part of a merger, acquisition, or sale of assets with your explicit consent.
ABE does not use Google Calendar data for serving advertisements.
ABE does not allow humans to read Google Calendar data except (a) with your explicit consent for specific messages, (b) as necessary for security purposes such as investigating abuse, (c) to comply with applicable law, or (d) where the data has been aggregated and anonymized for internal operations.
ABE does not use Google Calendar data to develop, improve, or train generalized artificial intelligence or machine learning models.
For questions specifically about ABE’s use of Google user data, please contact privacy@101financial.com.
Notification of Privacy Policy Changes
Any changes by 101 to its Privacy and Data Protection Policy that may impact the practices described on this website will be posted on this site. In no event will any such changes to this policy apply with respect to data previously collected through this site.
Registered users will be notified of changes to the privacy statement if it affects the way their personal information is being handled.
What about cookies?
101 uses “cookies,” electronic coding that enables us to track a customer’s preferences to enhance their use of our site. You may choose to set your browser to reject cookies. Please be aware that in doing so your ability to perform certain functions on our site will be affected.
Tracking Beacons
Beacons are small electronic image files embedded into web pages that look for specific non-personally identifiable information on a person’s computer. This information includes browser information, cookie number, page views, and any other basic data that we can use to improve messaging and usability on 101financial.com. 101 will periodically use beacons (tracking software) on our web pages and newsletters to gather metrics in aggregate form. Beacons used by 101 collect data that is anonymous and is not linked to personally identifiable information or attached to any databases.
101 does not allow for third-party ads on our website but we do occasionally contract with advertising companies that place ads on behalf of 101. The advertising company may use beacons for campaign success measurements.
Individuals can prevent the use of beacons by disabling them in the security settings of the internet browsers. However, in doing so, your ability to perform certain functions on our site will be affected.
What is your anti-spam policy?
101’s referral program is meant to encourage people to introduce the benefits of 101 to their friends and family. It is not intended to encourage spam. You may post your referral link online in any place deemed appropriate by the owners of the website where you are posting. However, anyone who is found to have spammed other internet users will lose their 101 account privileges.
Similarly, 101’s instructors are contractually required not to use ABE or any 101 tools to send unsolicited communications. All outreach must be to individuals with whom the instructor has a real relationship or who have opted in.
Site Survey Participation
Customers may be invited to participate in web site surveys. You may opt out of participation at the time the survey is offered. The survey may collect generalized statistics and personal information. We will safeguard all data collected and never share data with third-party vendors.
Personally Identifiable Information Collect
The 101financial.com website is comprised of both public and private sections. Public sections are accessible by anyone and do not require enrollment or login. Private sections are exclusive to 101 clients and instructors and require enrollment. During enrollment, you will be explicitly asked for any information that personally identifies you. Personal information collected during enrollment (such as your name, address, ZIP code, telephone number, and email address) will be primarily used to validate that you are a client of 101 and have been given access to the private section of the website by a 101 instructor, but may be used by 101 to help us offer content and services that are most likely to appeal to you. You will have the means to verify and update your personal information, allowing you to ensure that such information is correct and current.
The information gathered automatically by our system — such as your computer’s IP address, the kind of browser you are using, and a record of your navigation through our site — may be used by 101 so we can understand how to make our sites convenient and useful to our audience. 101 will not disclose personally identifiable information about you to third parties.
Accessing & Changing Your Contact Information
To view or edit the personal information you submitted at one of our sites during enrollment, log in and access the My Profile page. If you would like us to delete your personal information, please send a request to customerservice@101financial.com or privacy@101financial.com.
How to Opt Out of Future Communications
Regular users may opt out of receiving further communications through email by contacting customerservice@101financial.com. Users signed up for the newsletter may opt out through the newsletter opt-out field at the bottom of the newsletter or by emailing customerservice@101financial.com.
Site Tools
101 allows you to use helpful tools, such as financial calculators. These tools are for your benefit, and the information you submit when you use them is not stored, disclosed to anyone, or used for any purpose other than to provide you with the service you are seeking.
User-Initiated Communication
The 101 website enables you to send email to your 101 instructor. Whenever you choose to initiate these kinds of communications with us, or anyone else, you may expect to be contacted in return.
Your Rights Under State and Regional Laws
Depending on where you live, you may have additional rights regarding your personal information under laws such as the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and the European Union’s General Data Protection Regulation (GDPR). These rights may include:
The right to know what personal information we hold about you
The right to request correction or deletion of your information
The right to opt out of the sale or sharing of your personal information (we do not sell personal information)
The right to non-discrimination for exercising your rights
To exercise any of these rights, please contact us at privacy@101financial.com. We will respond within the timeframe required by applicable law.
How Long We Keep Your Information
We keep your information for as long as it is needed to provide our services and to comply with our legal, tax, and accounting obligations.
Active customer accounts — retained while your account is active and for a reasonable period after closure for record-keeping and legal purposes.
Marketing subscriptions — retained until you unsubscribe or request removal.
Financial-analysis data — retained per financial-services record-keeping requirements.
Instructor tools data (ABE) — retained while the instructor account is active. On termination of the instructor relationship, records are retained for a reasonable period for legal and business continuity purposes, then deleted or anonymized.
Google Calendar OAuth tokens (ABE) — deleted immediately on disconnect or account termination.
Upon request, we will delete personal information we are not legally required to retain.
How is your information protected?
101 does not lease, sell, trade, or give any of our customer information to other companies. We may choose to do so in the future with reputable third parties. If you do not want us to provide your customer information to a third party, we ask that you indicate this preference where personal information is requested. Or please email us at customerservice@101financial.com.
We recommend that any communications you send us via this site, including comments, suggestions, and questions, do not contain information that is private or confidential. While we take measures to protect your privacy, 101 and companies linked to our site do not guarantee and are under no obligation to protect your information from disclosure.
If we should change our privacy policies, those changes will be posted on this page and by using the site, you agree in advance to accept such changes.
Contacting Us
For general inquiries: customerservice@101financial.com
For inquiries specifically about your privacy or data rights, or for GDPR / CCPA / CPRA requests: privacy@101financial.com
To report a security concern or vulnerability: security@101financial.com
For legal inquiries, subpoenas, or preservation requests: legal@101financial.com
Or mail us at:
101 Financial Group, LLC P.O. Box 101 Kahuku, HI 96731
Security
Security & Trust
101 Financial Group, LLC (“101”) takes protecting your information seriously. Here is how we protect your information.
Security Measures & Data Protection
101 has taken the following important measures to protect against loss, misuse, or alteration of your personal information. Whenever personal information about you is stored, that information is password-protected from unauthorized access or use. In addition, this information is kept only on servers that are located behind a “firewall,” designed to keep unauthorized users from accessing our network. Our network firewall is a combination of hardware and software. The User ID and password you select, along with your unique Contact ID number, prevent others from accessing your information. We encourage you to let us know immediately if you suspect that the information you share with us is being used in any way contrary to this policy. 101 cannot protect you if we do not know that your password or IDs have been compromised. To contact us, send email to customerservice@101financial.com or security@101financial.com.
Secure Socket Layer Encryption
101’s application sessions and applications are encrypted using industry-standard TLS (Transport Layer Security) encryption. This technology scrambles data as it travels between your computer and our servers, making it virtually impossible for anyone to intercept your account information. To access your accounts or apply for an account, you must use a modern browser that supports current TLS standards.
Encryption at Rest for Sensitive Credentials
Sensitive credentials that we must store on your behalf — including OAuth refresh tokens for optional integrations such as Google Calendar Sync — are encrypted at rest using industry-standard AES-256-GCM encryption before being written to the database. These credentials are decrypted only in memory at the moment of use and are never written to logs, monitoring systems, or backups in plain text.
General Information
101 will never send emails requesting account passwords, credit card numbers, or other sensitive information. Never send sensitive information via unsecured email communications.
Use of Public Computers
If you use a public computer (in a library, internet cafe, university, airport, or other common area) we recommend the following. Once you complete your session, log out of your account, clear the web browser’s history, delete the cookies, and clear the cache; then close the browser window.
Reporting a Security Concern
If you believe you have discovered a security vulnerability affecting any 101 Financial system (including ABE), please report it to security@101financial.com. We appreciate responsible disclosure and will respond promptly.
Terms
Disclaimers, Copyrights & Terms of Use
101financial.com and its related services (including ABE at app.101financial.com, the customer platform at app.101financial.com, and the learning management system at my.101financial.com) are services of 101 Financial Group, LLC (“101”). Please carefully read Our Policies Regarding Privacy and Terms and Conditions of Use of this website (“Our Policies”) on this page. By using these services, you acknowledge that you have read Our Policies and agree to the terms of Our Policies. If you do not agree to the terms and conditions of Our Policies, you may not access or otherwise use these 101 Financial services. We may change the terms of Our Policies from time to time. By continuing to use these services after we post any such changes, you accept these new terms and conditions of Our Policies.
101 Financial Group, LLC (“101”) strives to provide information that is accurate and up to date. However, errors and omissions do occasionally occur. We advise visitors to our site that all published information is subject to change, correction, or deletion. We apologize in advance if any misinformation creates an inconvenience for you.
Our Commitment
101 is committed to providing you with top-quality, comprehensive services via a secure online experience that protects your privacy.
Privacy
Application data and certain other information about you are subject to our Privacy Policy which you can review above on this page.
Proprietary Information
Information, ideas, text, logos, images, graphics, photographs, audio clips, formats, and software contained on 101’s site (including ABE and all related tools) are the exclusive property of 101 or its content contributors. This content cannot be copied, reproduced, or used without written permission from 101, except for personal, informational, non-commercial purposes.
Trademarks
The 101 site contains logos, trademarks, service marks, and design elements that are proprietary to 101. These trademarks are protected under U.S. and international laws and cannot be copied, reproduced, or used without written permission from 101, except for personal, informational, non-commercial purposes.
Restricted License
You may download and reproduce information on the 101 website solely for your personal, informational, non-commercial use. However, we advise you of the following:
Site content may not be modified, published, displayed, leased, sold, traded, or transferred in any way.
Software may not be re-engineered in any way.
Copyrights and proprietary notices included within the website may not be deleted or altered in any way.
Instructor Tools (ABE) — Additional Terms
If you are a contracted 101 Financial instructor with access to ABE, additional terms apply as set forth in your instructor agreement and in ABE’s in-product notices. In summary, and without limiting your instructor agreement:
ABE is provided for your use in growing your 101 Financial instructor business only. You may not resell, sublicense, or share access to ABE with any third party.
All prospect and student data you enter into ABE remains under 101’s control and must be handled in accordance with your instructor agreement and applicable privacy laws.
You are responsible for reviewing every AI-drafted message before sending it. AI-generated outputs may occasionally be inaccurate.
You must not use ABE, its AI capabilities, or any connected integration (Google Calendar, etc.) to send unsolicited communications or to contact individuals with whom you do not have a real relationship or who have not consented to hear from you.
Your access to ABE may be suspended or terminated for violation of these terms or of your instructor agreement.
Indemnification
You agree to indemnify, defend, and hold harmless 101, its officers, directors, employees, affiliates, instructors, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys’ fees, resulting from any violation by you of Our Policies.
Disclaimer
101 is not liable for any type of loss, injury, or any type of damages arising from the use of this site, including information provided by other companies contributing content to this site. The site is provided on an “as is” basis without warranties of any kind, either express or implied, including and not limited to warranties of title or implied warranties of merchantability or fitness for a particular purpose. By using this site, you agree to all of the terms related to privacy and use of information provided by you.
Contacting Us
In the event of any question relating to this site, please email us at customerservice@101financial.com, privacy@101financial.com, security@101financial.com, or legal@101financial.com depending on the topic, or mail us at:
101 Financial Group, LLC P.O. Box 101 Kahuku, HI 96731
This Policy is effective as of January 1, 2020. Last updated: August 1, 2026.