Privacy Policy & Terms of Service

Privacy Policy

Effective Date: June 9, 2026 · Last Updated: June 9, 2026

    LMFServices, LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard information you provide when visiting simonmatthew.com or submitting a form to learn about the Irongate Payroll Optimization Program.
  

1. Information We Collect

We collect information you voluntarily provide when submitting a consultation request form, including:

Full name
Email address
Phone number
Business name (if provided)
Number of employees (if provided through the savings calculator)

We may also collect non-personal technical information automatically, including browser type, device type, pages visited, and referring URLs through standard website analytics tools.

2. How We Use Your Information

Information you submit is used solely for the following purposes:

To schedule and conduct a free consultation about the Payroll Optimization Program
To follow up regarding your inquiry via phone, email, or text
To route your information to our consultation team for qualification review
To improve our website and communications

We do not use your information for unrelated marketing purposes without your consent.

3. How We Share Your Information

We may share your information with third parties in the following circumstances:

IronGate Business Advisors — to facilitate your consultation and program enrollment
Service providers who assist in operating our website or communications
Business transfers — in connection with a merger, acquisition, sale of assets, or transfer of business operations, your information may be transferred to the acquiring party as part of that transaction
Legal requirements — when required by law or to protect the rights and safety of LMFServices, LLC or others

We may sell your information to IronGate Business Advisors. By submitting your information through this website, you acknowledge and consent to this possibility.

4. Data Retention

We retain your contact information for as long as necessary to fulfill the purposes outlined in this policy or as required by applicable law. You may request deletion of your information at any time by contacting us.

5. Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve user experience and analyze site traffic. You may disable cookies in your browser settings, though this may affect certain functionality of the site.

6. Your Rights

Depending on your location, you may have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your personal information
Opt out of communications at any time by replying STOP or contacting us directly

7. Children's Privacy

Our website is intended for business owners and professionals. We do not knowingly collect personal information from individuals under the age of 18.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our website after changes constitutes acceptance of the revised policy.

Privacy Questions

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

LMFServices, LLC
Email: benefits@fwbnetwork.com
Website: fwbnetwork.com

Terms of Service

Effective Date: June 22, 2026 · Last Updated: June 9, 2026

    By accessing fwbnetwork.com and submitting any information through our website, you agree to be bound by these Terms of Service. Please read them carefully before using this site.
  

1. About This Website

This website is operated by LMFServices, LLC, a distribution partner for the Irongate Payroll Optimization Program. The purpose of this site is to provide information about the program and to connect qualifying business owners with a free consultation.

2. Use of This Website

You agree to use this website only for lawful purposes and in a manner consistent with all applicable laws and regulations. You may not:

Submit false or misleading information through any form on this site
Attempt to gain unauthorized access to any part of our systems
Use automated tools to scrape, copy, or extract content from this site
Impersonate any person or entity in connection with this site

3. No Professional or Legal Advice

The information on this website is provided for general informational purposes only. Nothing on this site constitutes tax, legal, financial, or accounting advice. The Payroll Optimization Program may not be suitable for every business. You are strongly encouraged to consult with your tax advisor, accountant, or legal counsel before making any decisions based on information presented on this site.

4. Program Eligibility and Results

Estimated savings displayed on this website are based on an approximate savings of $1,100 per enrolled qualifying employee per year. Actual results will vary based on your specific employee count, wage levels, hours worked, and eligibility under applicable IRS guidelines. BCS Equity makes no guarantee of specific financial outcomes.

Eligibility for the Payroll Optimization Program requires meeting all qualifying criteria including minimum employee count, hours, compensation, and W2 employment status. Qualification is determined by Irongate upon review of your payroll information.

5. Third-Party Services

This website may link to or integrate with third-party services including the Irongate booking calendar, and Mass Mutual (benefits administration). LMFServices, LLC is not responsible for the content, privacy practices, or terms of any third-party services. Use of those services is subject to their respective terms and policies.

6. Intellectual Property

All content on this website including text, design, layout, and code is the property of LMFServices, LLC or its licensors. You may not reproduce, distribute, or create derivative works from any content on this site without prior written permission.

7. Disclaimer of Warranties

This website and its content are provided "as is" without warranties of any kind, express or implied. LMFServices, LLC does not warrant that the site will be error-free, uninterrupted, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, BCS Equity shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on any information presented herein.

9. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Your continued use of the site after changes are posted constitutes your acceptance of the revised terms.

10. Governing Law

These Terms of Service are governed by the laws of the State of Maine, without regard to its conflict of law provisions.

Questions About These Terms

If you have questions about these Terms of Service, contact us at: