Privacy Policy

1. Who We Are

This Privacy Policy applies to fandiq.com, owned and operated by Lloyd W. Trushel / F&IQ Training and Development. When this policy says "we," "us," or "our," it means F&IQ Training and Development. When it says "you," it means any visitor to fandiq.com.

If you have questions about this policy, you can reach us at lloyd@consatorgroup.com.

2. What Information We Collect

We collect a limited amount of information, and only in two ways:

• Contact form submissions. When you fill out a contact or inquiry form on this site, we receive the information you provide — typically your name, email address, dealership or organization name, and your message. This form is processed by Formspree (see Section 4).
• Analytics data. We use Google Analytics 4 to understand how visitors use the site. This includes anonymized IP address, pages visited, time on page, browser and device type, and general geographic region. We do not receive personally identifiable information through analytics.
• Advertising measurement data. We use the Meta Pixel to measure the effectiveness of our advertising on Facebook and Instagram. When you visit fandiq.com, the Meta Pixel may send Meta information such as the pages you view, your browser and device information, IP address, and a Meta cookie identifier, which Meta may associate with your Meta account if you have one.
• Tool-usage counts. fandiq.com keeps its own anonymous count of how the free F&I tools are used — pages viewed, buttons and links clicked, files downloaded, dropdown choices, and forms submitted. Each browser gets a random ID stored in your browser (fiq_vid) so repeat visits are counted once. We never record anything you type into a tool, and we do not record names, email addresses, phone numbers or full IP addresses. These counts stay on our own server and are not shared.
• F&I Menu deal details. When a dealership uses the free F&I Menu, we keep an anonymous copy of the deal details entered — vehicle year, make, model and trim, mileage, the first 11 characters of the VIN (which identify the model, not the individual vehicle), payment terms, optional deal details such as lender, credit tier and state, and the products, prices, providers and costs on the menu. The customer’s name and the last 6 characters of the VIN never leave the user’s device. We use this information only in aggregate to understand F&I trends and improve our tools, and we do not sell it. VIN decoding, recall and service-bulletin information comes from the National Highway Traffic Safety Administration (NHTSA).
• F&I Menu dealer profiles. If a dealership creates a free F&I Menu profile, we store the dealership name, the user’s name and email address, a securely hashed password, and the branding and menu setup they choose (logo, colors, package names, products, prices, providers and costs). Menu deal details from a branded menu are associated with that dealership name. We use this to run the profile, to understand how dealerships use our tools, and to contact profile holders about F&IQ services. Profile holders can delete their profile at any time from the menu’s Account tab.
• Interim F&I applications and compliance assessments. When you apply to F&IQ’s interim F&I team or take the F&I Compliance Assessment, we keep a copy of your answers (and, for the assessment, your score) on our own server and email a PDF summary to F&IQ. If our server can’t be reached, the same information is sent through Formspree instead (see Section 4). We use it only to evaluate candidates and contact you about interim assignments.
• Finance Log contractor expense reports. F&IQ’s contracted interim F&I managers sign in to a private Finance Log. When they file an expense report, we store their name, email, phone, mailing address for reimbursement, the assignment details, the expenses and mileage entered, and the receipt photos or PDFs they upload. This information is used only to review, reimburse, and bill those expenses, and it is emailed only to F&IQ.

Other than F&I Menu dealer profiles and the private Finance Log used by F&IQ’s contracted managers, we do not operate user accounts, membership portals, or any login system on this site. We do not collect payment information — all book purchases are handled entirely by third-party retailers (Amazon, Audible, Apple Books, etc.).

3. How We Use Your Information

We use the information we collect for the following purposes only:

• To respond to your inquiry. If you submit a contact form, Lloyd Trushel or a team member will use your contact details to reply to you personally.
• To improve the site. Analytics data helps us understand which content is most useful and how to make the site better for F&I professionals.

We do not sell, rent, or share your personal information with third parties for marketing purposes. We do not use your information for any automated decision-making or profiling.

4. Third-Party Service Providers

We use a small number of trusted third-party services to operate this site. Each has its own privacy policy that governs how it handles data:

• Formspree — processes contact form submissions on our behalf. When you submit a form, your data is transmitted to Formspree's servers. See Formspree's Privacy Policy.
• Google Analytics 4 — provides website analytics. Google collects anonymized usage data subject to Google's Privacy Policy. IP anonymization is enabled.
• Meta Pixel (Meta Platforms, Inc.) — measures ad performance and helps us reach people interested in F&I training. Meta processes this data under the Meta Privacy Policy. You can manage ad preferences in your Meta Accounts Center.
• YouTube — some pages embed YouTube videos. When you load a page with an embedded video, YouTube may set cookies on your device and collect data per Google's Privacy Policy.
• Amazon, Audible, Apple Books, and other retailers — this site links to external book retailers. When you click through to one of those sites, their own privacy policies apply. We are not responsible for the data practices of any external website.

5. Cookies

This site uses cookies for Google Analytics and the Meta Pixel. Google Analytics uses first-party analytics cookies (typically named _ga and related variants) to distinguish unique visitors and sessions. The Meta Pixel uses a first-party cookie (typically named _fbp) to measure advertising and may read Meta's own cookies if you are logged in to Facebook or Instagram. fandiq.com also stores one random visitor ID in your browser's local storage for the anonymous tool-usage counts described above. No other cookies are set by fandiq.com, apart from a sign-in session cookie on the private Finance Log tool for its registered users.

As noted above, embedded YouTube videos may cause YouTube to set its own cookies when you interact with or load video content on this site.

How to opt out of Google Analytics: You can install the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics across all websites. You can also manage or delete cookies through your browser settings.

How to limit Meta advertising data: Adjust your ad settings in the Meta Accounts Center, use your browser's tracking-prevention or third-party-cookie controls, or opt out of interest-based advertising through the Digital Advertising Alliance.

6. Your Rights and Data Deletion

If you have submitted a contact form and would like us to delete your data, you may request this at any time. We will honor deletion requests promptly, and we will also contact Formspree to request deletion from their systems on your behalf.

To submit a deletion request, email lloyd@consatorgroup.com with the subject line "Data Deletion Request." Please include the name and email address you used when submitting the form so we can locate your record.

Note: Analytics data collected by Google Analytics is anonymized and cannot be tied back to a specific individual, so it is not subject to individual deletion requests.

7. Children's Privacy

This site is intended for adult F&I professionals and automotive industry participants. It is not directed at children under the age of 13, and we do not knowingly collect personal information from anyone under 13. If you believe a child has submitted personal information through this site, please contact us at lloyd@consatorgroup.com and we will delete it promptly.

8. Data Security

We take reasonable steps to protect the information submitted through this site. Contact form data is transmitted via Formspree over encrypted HTTPS connections. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we do, we will update the effective date at the top of this page. We encourage you to review this page periodically. Continued use of the site after any changes constitutes your acceptance of the updated policy.

10. Contact Us