Investment advisers are required by law to inform their client of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law. Federal law gives customers the right to limit some buy not all sharing of personal information. It also requires us to tell you how we collect, share, and protect you personal information.
TYPES OF NONPUBLIC PERSONAL INFORMATION (NPI) WE COLLECT
We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization. This can include but is not listed to your Social Security Number, Date of Birth, Banking Information, and Financial Account Numbers and/or Balances, Sources of Income, Credit Card Numbers or Information. When you are no longer our customer, we may continue to share your information only as described in this notice.
PARTIES TO WHOM WE DISCLOSE INFORMATION
All Investment Advisers may need to share personal information to run their everyday business. In this section below, we list the reasons that we may share your personal information:
- For everyday business purposes - such as to process your transactions, maintain your account(s), or respond to court orders and legal investigations, or report to credit bureaus;
- For our marketing - to offer our products and services to you;
- For joint marketing with other financial companies;
- For our affiliates' everyday business purposes - information about your transactions and experiences; or
- For non-affiliates to market to you.
Clients may opt out of sharing information for joint marketing to other financial companies, to our affiliates and to non-affiliates. If you are a new customer we may begin sharing your information on the day you sign our agreement. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at anytime to limit our sharing.
PROTECTING THE CONFIDENTIALITY OF CURRENT AND FORMER CLIENT'S INFORMATION
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and building.
FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT SHARING - OPTING OUT
Federal law allows you the right to limit the sharing of your NPI by "opting-out" of the following: sharing for affiliates' everyday business purposes - information about your creditworthiness; sharing with affiliates who use your information to market to you; or sharing with non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. Please notify us immediately if you choose to opt out of these types of sharing.
DEFINITIONS: Affiliates - companies related by common ownership or control. They can be financial and non financial companies; Non-Affiliates - companies not related by common ownership or control. They can be financial and non-financial companies; Joint Marketing - a formal agreement between non-affiliated financial companies that together market financial products or services to you.
Disclosure WARRANTIES & DISCLAIMERS
There are no warranties implied.
Arbor Retirement Solutions, PLLC (“Arbor Retirement Solutions”) is a registered investment adviser located in Tempe, Arizona. Arbor Retirement Solutions may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Arbor Retirement Solution’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Arbor Retirement Solution’s web site on the Internet should not be construed by any consumer and/or prospective client as Arbor Retirement Solutions solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Arbor Retirement Solutions with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Arbor Retirement Solutions, please contact the state securities regulators for those states in which Arbor Retirement Solutions maintains a registration filing. A copy of Arbor Retirement Solution’s current written disclosure statement discussing Arbor Retirement Solution’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from Arbor Retirement Solutions upon written request. Arbor Retirement Solutions does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Arbor Retirement Solution’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and-or investment strategies recommended and-or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results. Nothing on this Website should be construed as actual advice.