Online Privacy Policy

This website is operated by Cetera Financial Group, Inc. and its affiliated companies ("We"). We are committed to respecting your privacy and value your trust. We do not sell information about you. We do not share your information for marketing purposes without your consent with anyone other than Cetera Financial Group, Inc. and our subsidiary affiliates. This privacy notice tells you what information we collect, how we use it, and how we protect it.

Online Information Collection

You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your email address. In this case, our web servers collect the name of the domain you used to access the Internet, such as "aol.com" or "yahoo.com," and the website you came from and visit next.

We may select outside companies who provide services on our behalf and use this information in the course of delivering advertisements to you and to measure the number of visits, average time spent, page views, and other statistics about visitors to our website, in general. We may also use this data to monitor site performance and to make the site easier and more convenient to use.

We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you, unless you have agreed to receive personally tailored information.

Online Information Disclosure

We may disclose personal information we collect on the website to others, such as insurance agents, banks, and administrators that provide services to you on our behalf. In all cases, we will require service providers to whom we provide information to comply with our Privacy Policy and to use the information solely for the purposes for which we have retained them. Disclosure of personal information to these service providers is done to better serve you.

We may disclose identifying information collected on this website, such as name, address, telephone number within the Cetera Financial Group family of companies to fulfill your requests, or offer other products and services we think may be of interest to you.

We may make additional disclosures of information as permitted or required by law. For example, we may disclose information to law enforcement agencies or state insurance authorities.

We will not share your personal information with any outside company for any other purpose other than those described above. For example, we will not sell personal information to outside companies that may wish to market their products and services to you.

Cookies

Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. We, along with thousands of other websites, use cookies to enhance your web viewing experience and to measure your website usage. With the help of cookies, we may present you with customized offerings or content that may be of interest to you. We may also use cookies to recognize you on subsequent visits or to remember your user name so you do not have to re-enter it each time you visit our site. You may be able to set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that, by not accepting cookies, you may limit the functionality we can provide to you when you visit our site.

Links to Other Websites

We are not responsible for the information collection practices of other websites when you link to them from our website. We cannot guarantee how those parties use cookies or whether they place on your computer cookies that may identify you personally. You should carefully review the privacy policies of each website you visit to understand how they collect, use, and disclose information.

Information from Children

We do not knowingly solicit information from children and we do not intentionally market our products or services to children.

Email Communications

Occasionally, we may send you email communications with information that may be useful to you, including information about our products and services or about offerings from other Cetera Financial Group, Inc. companies or third parties. You will be given the option of not receiving any such email messages, if you choose.

Encryption

We use encryption and authentication tools to protect information we gather on our website. Email communications outside of our website, however, may not be protected. If you are sending us an email communication that includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.

Access

In some cases, you may be able to update certain information that you provided to us. This may require you to use a unique user name and password (or "PIN"). Also, where the capability exists, you may request that we modify or delete information we have gathered during your visit to our website.

Visitors/Registered Users

As a visitor to our website, you may have access to certain features without telling us who you are or revealing any information about yourself. We will not gather any information about you when you are using these features. We may require you to become a registered member in order for you to gain access to and use other features. Once you become a registered member, we may collect personal information when you use our website.

The practices and policies contained in this Privacy Policy replace all previous notices or statements with respect to the same subject.

This Privacy Policy will not apply to your relationships with companies that are not part of Cetera Financial Group, Inc., such as banks and independent insurance agents. Their privacy policies will govern how they collect, use, and disclose personal information that you allow them to access.

This Privacy Policy applies only to the information collection practices of this website.

Our Privacy Policies — Our Commitment to Customers

Consumers purchasing (or applying for) a product or service from a Cetera Financial Group, Inc. company are subject to the privacy policy of that company. If multiple products or services are purchased or applied for, the privacy policy of the company collecting the data applies. Customers who purchase our products and services will be provided with the privacy policy for each company to which they provide personal information.

Our Security Procedures

We maintain procedures and technology designed to prevent unauthorized access to personal information. We maintain physical, electronic, and procedural protections in accordance with applicable standards to protect personal information. We restrict access to personal information to employees and service providers for legitimate business purposes to assist in providing products or services to you. Employees who violate our Privacy Policy are subject to disciplinary action.

Opting Out

We are committed to protecting personal information, and to using it or sharing it in ways that will improve or expand upon the services we provide to you. While browsing this website, you will not be provided with the opportunity to opt out because we will not use or share information in a manner that requires us to provide an opt-out opportunity.

Change in Privacy Policy

We reserve the right to modify or supplement our Privacy Policy at any time. If we make material changes, we will post our current Privacy Policy on our website.

Contact and Unsubscribe Information

Our Address:
200 N. Martingale Road
Schaumburg, IL 60173-2096

Phone: 877.744.2238

If you would like to unsubscribe from marketing emails sent by Cetera Financial Group, Inc. you can do so by clicking the unsubscribe link included in the footer of our emails, emailing us directly or unsubscribing here.

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