Privacy Policy

SGL Financial is committed to maintaining the confidentiality, integrity, and security of the personal information entrusted to us by our clients and website visitors. Investment advisers are required by law to inform clients of their policies regarding privacy and the safeguarding of personal information.

Federal law gives consumers the right to limit some, but not all, sharing of personal information. This Privacy Policy explains how we collect, use, share, and protect your information.

1. Types of Personal Information We Collect

In the course of providing financial planning, investment advisory, wealth management, and related services, we may collect nonpublic personal information, referred to as “NPI,” about you from information you provide directly to us, information obtained with your authorization, and information gathered through your use of our website and services.

This information may include, but is not limited to:

• Name, address, email address, and telephone number
• Social Security Number
• Date of birth
• Employment information
• Banking information
• Financial account numbers and balances
• Investment holdings and account information
• Income, assets, liabilities, and net worth information
• Tax related information
• Credit related information where applicable
• Other information necessary to provide financial planning and advisory services

When you are no longer a client, we may continue to share your information only as described in this Privacy Policy and as permitted by law.

2. How We Use and Share Information

SGL Financial may disclose personal information as permitted by law and only as necessary to conduct business, provide services, and comply with legal and regulatory obligations.

Everyday Business Purposes

• Maintaining and servicing client accounts
• Processing transactions
• Responding to inquiries and requests
• Performing operational and administrative functions
• Complying with regulatory requirements, court orders, and legal investigations
• Preventing fraud and protecting against unauthorized transactions

Service Providers

We may share information with third-party service providers who assist us in operating our business, including custodians, technology providers, compliance consultants, marketing platforms, and other vendors that support our services.

Marketing Communications

We may use your information to provide educational content, firm updates, event invitations, newsletters, and information regarding products and services that may be relevant to your financial goals.

Affiliates and Strategic Partners

We may share information with affiliated entities or strategic partners when permitted by law and when necessary to provide requested services. Any such sharing is conducted in accordance with applicable privacy regulations.

3. Important Mobile and SMS Privacy Disclosures

• Text messaging originator opt in data and consent will not be shared with any third parties except aggregators and service providers necessary to deliver text messages.
• Any information sharing described elsewhere in this Privacy Policy excludes text messaging originator opt in data and consent, which will not be shared with third parties for marketing purposes.

4. How We Obtain SMS Consent

If you choose to receive text messages from SGL Financial, we may obtain your consent through one or more of the following methods:

• Submission of your phone number through a website form accompanied by a clear SMS consent checkbox that is not preselected.
• Completion of onboarding forms, appointment request forms, contact forms, event registrations, or other written or electronic communications that clearly disclose your agreement to receive text messages.
• Direct initiation of communication via text message where you subsequently confirm your desire to receive messages.

Message frequency may vary.

Message and data rates may apply.

You may opt out at any time by replying STOP.

For assistance, reply HELP or contact our office directly.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve functionality, analyze website usage, and support marketing efforts.

Essential Cookies

Essential cookies are required for basic website functionality and security.

Analytics Technologies

Analytics technologies are used to understand visitor behavior and website performance, including page views, time spent on pages, traffic sources, and user interactions.

Advertising and Marketing Technologies

Advertising and marketing technologies may be used to measure campaign effectiveness and improve the relevance of marketing communications and advertisements.

Information Collected

Depending on your browser settings and device, these technologies may collect IP address, device identifiers, browser type, operating system, referring websites, pages viewed, and actions taken on the website.

Your Choices

Most web browsers allow you to manage cookies through browser settings, including blocking or deleting cookies. Certain website features may not function properly if cookies are disabled.

6. How We Protect Your Information

Protecting your personal information is a top priority. We maintain physical, electronic, and procedural safeguards designed to protect your information from unauthorized access, disclosure, alteration, or destruction.

These safeguards may include:

• Secure systems and networks
• Access controls and authentication procedures
• Encryption and data security measures where appropriate
• Ongoing monitoring and risk management processes
• Employee training regarding confidentiality obligations

Access to personal information is limited to employees, representatives, and service providers who require access to perform legitimate business functions.

7. Your Right to Limit Certain Sharing

Federal law provides consumers with the right to limit certain types of information sharing.

You may have the right to opt out of:

• Sharing information regarding your creditworthiness with affiliates, where applicable.
• Sharing information with affiliates or non-affiliated entities for marketing purposes, where applicable.

Additional privacy rights may be available under applicable state laws. To exercise any available opt out rights, please contact us using the information provided below.

8. Definitions

Affiliates

Companies related through common ownership or control. Affiliates may include financial and non-financial companies.

Non-Affiliates

Companies that are not related through common ownership or control.

Joint Marketing

A formal arrangement between financial companies to jointly market financial products or services.

9. Retention of Information

We retain personal information for as long as necessary to fulfill business purposes, provide services, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.

Retention periods may vary based on the nature of the information and applicable legal requirements.

10. Changes to This Privacy Policy

SGL Financial reserves the right to modify this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

Your continued use of our website or services after changes are posted constitutes acceptance of the revised Privacy Policy.