Asset Guidance Group, LLC, is a registered investment advisor with its principal office located at 1875 Old Alabama Road, Suite 645 in Roswell, Georgia, 30076-2264.

The purpose of this Privacy Policy is to inform you about how Asset Guidance Group, LLC, located in Roswell, GA, collects, uses, and protects your personal information when you engage with our financial services. We are committed to maintaining your privacy and safeguarding your data in compliance with federal and state regulations. This policy outlines the types of information we collect, how it is used and shared, the security measures we have in place to protect your data, and your rights regarding your personal information. It also details our procedures for cookies, compliance with children's privacy laws, and how we manage changes to this policy. By using our services, you consent to the practices described herein.

3.1 Purpose

We use the collected information to provide financial advice, manage accounts, comply with legal obligations such as the USA Patriot Act. This Act and its regulations set forth in the United States Code serves to keep us and our affiliates from unwittingly assisting in money laundering. We also must collect the data to fulfill our fiduciary obligations as a registered investment advisor with the Securities and Exchange Commission (SEC) and the State of Georgia. It is also a part of our requirements to fulfill our ethical duties of maintaining client confidentiality required by our Code of Ethics as Certified Financial Planner Professionals^®.

3.2 Sharing Information: We share information only with third-party service providers only to the extent necessary to obtain our desired results, account custodians as required to meet their regulations, insurance companies where appropriate, and legal authorities when required by law. 

3.3 Third-Party Services: We use third-party services (e.g., cloud storage, analytics), to efficiently analyze and present information. Service providers in our financial services industry generally are also licensed and must adhere to the same regulations as we do. They handle client information with due care not to breach client confidences and avoid data breaches.

• Account Custodians must meet their own set of regulatory burdens with the SEC. Custodians are required by law to keep data backups redundant to avoid disruption in trading and reporting services. Custodians must also maintain highly rigorous data security protocols to keep the personal information they hold confidential.
• Insurance companies and their affiliated marketing organizations are also licensed with each state in which they conduct business. They use the information required by the insurance companies with whom they shop the information in order to find the most appropriate company and product for each client case. They are required to do this, as are we, to meet the "best interests" standard of policy/product delivery. 
• Legal authorities are entitled to information in situations where we are required to report suspicious conduct, such as federal agencies when we suspect violations of the USA Patriot Act, or local authorities when we see evidence of a situation such as elder abuse.

At Asset Guidance Group, LLC, we take the security of your personal information seriously and have implemented robust measures to ensure its protection. Although we do not keep client personal confidential information on-site, we store all data securely in the cloud using Dropbox. 

4.1 Protection Measures

We utilize Dropbox, a cloud storage provider known for its stringent data security protocols, to store all client documents and information. Upon receiving any client documents, we immediately scan and upload them to our secure Dropbox account. Once the documents are stored in the cloud, we promptly return the originals to the client or securely shred any hard copies. For soft documents, such as PDFs, these are directly stored in Dropbox.

4.2 Encryption and Security Protocols

Our computers are protected with 128-bit encryption software provided by Bitdefender, one of the leading data security vendors globally. This ensures that all data processed through our systems is encrypted and safeguarded against unauthorized access. Additionally, our Custodian, Charles Schwab & Company, Inc. ("Schwab"), employs 128-bit encryption for all email communications, uploads, and direct links to their servers, further protecting your information during transmission.

4.3 Breach Notification

In the unlikely event of a data breach, or if we suspect that a breach may have occurred, Asset Guidance Group, LLC will take immediate action to notify all affected parties. We will send emails and written correspondence to inform you of the breach and provide advice on steps you can take to protect yourself. These steps may include changing your passwords, monitoring your credit reports, and keeping a close watch on your accounts to prevent fraud or misuse of your personal confidential information.

At Asset Guidance Group, LLC, we are committed to ensuring that you have control over your personal information and understand your rights regarding its use and protection.

5.1 Access and Correction

You have the right to access the personal information that we hold about you. If you believe any of the information we have is inaccurate or incomplete, you have the right to request corrections. We will promptly make the necessary updates to ensure that your information is accurate and up-to-date.

5.2 Opt-Out Options

We respect your privacy preferences and offer you the ability to opt-out of certain data collection practices and communications. If you prefer not to receive marketing communications from us, you can opt-out at any time by following the unsubscribe instructions in the communications or by contacting us directly. Please note that even if you opt-out of marketing communications, we may still need to send you important transactional or service-related messages.

5.3 Request for Deletion

You have the right to request the deletion of your personal information from our records. If you wish to exercise this right, please contact us with your request. We will review and process your request, taking into consideration any legal or regulatory obligations that may require us to retain certain information.

Additional Rights

Depending on your location, you may have additional rights under applicable data protection laws, such as the right to data portability, the right to restrict processing, and the right to object to certain types of processing. If you would like to learn more about these rights or exercise any of them, please contact us, and we will assist you in accordance with the relevant laws.

• Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
• We will gather and utilization of individual data singularly with the target of satisfying those reasons indicated by us and for other good purposes, unless we get the assent of the individual concerned or as required by law.
• We will just hold individual data the length of essential for the satisfaction of those reasons.
• We will gather individual data by legal and reasonable means and, where fitting, with the information or assent of the individual concerned.
• Personal information ought to be important to the reasons for which it is to be utilized, and, to the degree essential for those reasons, ought to be exact, finished, and updated.
• We will protect individual data by security shields against misfortune or burglary, and also unapproved access, divulgence, duplicating, use or alteration.
• We will promptly provide customers with access to our policies and procedures for the administration of individual data.

We are focused on leading our business as per these standards with a specific end goal to guarantee that the privacy of individual data is secure and maintained.

Asset Guidance Group, LLC, is committed to adhering to all applicable federal and state regulations to protect your personal information and ensure transparency in our practices.

6.1 Federal Regulations

We comply with key federal regulations that govern the collection, use, and protection of personal information, including:

- Gramm-Leach-Bliley Act (GLBA): We follow the privacy and data security requirements of the GLBA, which mandates that financial institutions protect the confidentiality of client information and provide clear notices about their privacy practices.

- Fair Credit Reporting Act (FCRA): We adhere to the FCRA standards for the accuracy, fairness, and privacy of personal information gathered by consumer reporting agencies.

6.2 State Regulations

As a company based in Georgia, we comply with state-specific privacy laws and regulations. This includes adherence to Georgia's data breach notification laws, which require us to promptly inform you if there is a security breach that compromises your personal information.

6.3 FINRA/SEC Requirements

As a registered investment advisor, Asset Guidance Group, LLC, complies with the privacy regulations set forth by the Financial Industry Regulatory Authority (FINRA) and the Securities and Exchange Commission (SEC). These regulations include strict guidelines on the confidentiality and security of client information, as well as requirements for providing clear privacy notices to clients.

6.4 Continuous Compliance

We regularly review and update our practices to ensure ongoing compliance with evolving regulations. Our commitment to regulatory compliance is part of our broader dedication to maintaining your trust and protecting your personal information.

Asset Guidance Group, LLC, uses cookies and similar tracking technologies to enhance your experience on our website and to provide personalized services.

 7.1 Use of Cookies

Cookies are small text files that are stored on your device when you visit our website. We use cookies to:

- Improve Website Functionality: Cookies help us understand how our website is being used and how we can improve its performance and user experience.

- Personalize Content: Cookies allow us to tailor content and services to your preferences, such as remembering your language settings or the pages you have visited.

- Analyze Website Traffic: We use cookies to track the effectiveness of our marketing efforts and to understand user behavior on our website through tools like Google Analytics.

7.2 Types of Cookies We Use

We use the following types of cookies:

- Essential Cookies: These cookies are necessary for the basic functionality of our website, such as enabling you to navigate through the site and access secure areas.

- Performance Cookies: These cookies collect information about how visitors use our website, allowing us to improve the site’s performance and user experience.

- Functionality Cookies: These cookies remember your preferences and settings to provide a more personalized experience.

- Targeting/Advertising Cookies: These cookies are used to deliver relevant advertisements to you and to measure the effectiveness of our marketing campaigns.

 7.3 Managing Cookies

You have the option to accept or decline cookies when you visit our website. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. However, please note that disabling cookies may affect your ability to use certain features of our website.

 7.4 Third-Party Tracking Technologies

We may also use third-party tracking technologies, such as pixels or web beacons, to track the performance of our website and our advertising campaigns. These third parties may collect information about your online activities over time and across different websites when you use our website.

 7.5 Consent and Control

By using our website, you consent to our use of cookies and tracking technologies as described in this policy. You can change your cookie preferences at any time by adjusting your browser settings or using the cookie management tools provided on our website.

Asset Guidance Group, LLC, does not provide services directly to children, nor do we actively collect personal information from children under the age of 13. However, we may collect limited information about children when it is provided to us by a parent, grandparent, or other family member in the context of estate planning, beneficiary designations, or other financial arrangements.

8.1 Collection of Information

Any information we collect about children is provided voluntarily by their parents, guardians, or other family members. This information may be necessary for including a child as a beneficiary of an insurance policy, as part of an estate plan, or in rare instances, designating a child as the annuitant of an annuity for purposes such as establishing a dynastic trust.

8.2 Use of Information

The information we receive about children is used strictly for the purposes for which it was provided, such as facilitating the intended estate planning or financial arrangements. We do not use this information for marketing or any other purposes unrelated to the specific financial services requested by the family.

 8.3 Parental Consent

In all cases where we collect information about a child, it is with the explicit consent of the parent or legal guardian. We ensure that any sensitive information is handled with the highest level of confidentiality and in compliance with applicable privacy laws.

8.4 Security of Children’s Information

We take special care to protect any personal information related to children. This information is stored securely in our encrypted cloud storage, as described in our Data Security section, and is only accessible to authorized personnel who need it to provide the requested services.

8.5 Compliance with COPPA

Although we do not target our services to children, we are mindful of the Children’s Online Privacy Protection Act (COPPA) and adhere to its principles by ensuring that any information about children is handled responsibly and with the consent of their guardians.

Asset Guidance Group, LLC, reserves the right to update or modify this Privacy Policy at any time to reflect changes in our practices, legal requirements, or industry standards. We are committed to keeping you informed about how your personal information is protected and managed.

9.1 Notification of Changes

If we make any material changes to this Privacy Policy, we will notify you by posting the updated policy on our website with a new effective date and, where required by law, by sending you direct notification through email or other communication methods. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

9.2 Date of Last Update

The date at the top of this Privacy Policy indicates when it was last updated. All changes to this policy are effective immediately upon posting on our website unless otherwise noted. By continuing to use our services or website after any changes become effective, you agree to be bound by the updated Privacy Policy.

9.3 Your Responsibility

It is your responsibility to review this Privacy Policy regularly to ensure that you are aware of any changes. If you do not agree with the updated terms, you should discontinue using our services and contact us with any concerns.

At Asset Guidance Group, LLC, we are committed to addressing your questions and concerns regarding your privacy and the handling of your personal information. If you have any inquiries or need further assistance, please do not hesitate to reach out to us.

For any privacy-related matters, you can contact us by clicking this button:

Our team is here to help and will respond to your inquiries as promptly as possible. Whether you have questions about this Privacy Policy, suspect a breach, or need to report a concern, we are available to assist you.