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Privacy Policy

Privacy Policy

Who we are

Our website address is: https://efinvesting.com

 

FACTS WHAT DOES Eminence Financial Investing
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal  information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
  What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Contact information and mailing address
  • Account balances and transaction history
  • Investment experience and assets
How? All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Eminence Financial Investing (“EFI”) chooses to share; and whether you can limit this sharing.
  Reasons we can share your personal information Does EFI Share? Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO
For our marketing purposes— to offer our products and services to you YES NO
For joint marketing with other financial companies NO We don’t share
For our affiliates’ everyday business purposes— information about your transactions and experiences YES NO
For our affiliates’ everyday business purposes— information about your creditworthiness NO We don’t share
For our affiliates to market to you NO We don’t share
For non-affiliates to market to you NO We don’t share

To limit our sharing

Call our Advisors Service Team at 800-694-3175 Ext 33

 Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

 Call +1800-694-3175  or email us at [email protected]

What personal data we collect and why we collect it

Contact forms

If you enter your contact information into the contact form, you will be added to our mailing list. You may at any time opt out of our mailing list by selecting the unsubscribe link. 

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Additional information

How we protect your data

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

All nonpublic personal information is treated as strictly confidential and is not disclosed except to employees for the purpose of carrying out their responsibilities and to affiliated and non-affiliated firms necessary to affect and administer custodial, brokerage, financial planning, legal, accounting, insurance or similar services requested and authorized by the client. Federal and state regulators also may review client records as permitted under law. EFI requires that our affiliates protect and restrict the use of client information to the same extent as EFI. Several practices are presently in place to ensure private client information is secured from public access:

Secured Paper Files: Filing cabinets are locked outside of regular business hours. Any papers to be disposed which contain client information are shredded. EFI’s site of business is also securely locked and electronically armed for fire and theft outside of regular business hours.

Secured Electronic Files and Databases: EFI’s computer system consists of a peer-to-peer network including a server, which stores all data related to client activities. All EFI computers are secured by a password system and all workstations are logged-off outside of regular business hours. Any electronic information accessible through the Internet is guarded by a secure firewall, and all EFI computers are regularly scanned for viruses. EFI backs-up all electronic data essential to its operations on a daily basis, with the prior day’s backup maintained at a remote location in case of disaster.

E-mail: From time to time, EFI will correspond with clients regarding private matters via electronic mail. EFI takes the precaution of verifying all client e-mail addresses, and limiting the content of communications to exclude sensitive elements such as account numbers, Tax ID numbers, and the like, unless authorized by the client. A Disclosure is included with every client e-mail which addresses any persons who may receive the message in error, along with instructions to contact our office and properly dispose of the data. E-mail communications to third parties which relate to our clients are conducted only as necessary to fulfill the obligations of the firm; however, no personal information pertaining specifically to our clients is shared with third parties without the expressed consent of the client. Phone: Client communications by phone are a daily task, and in situations where EFI initiates a call and reaches voicemail, the Policy is to limit the content of information to exclude dollar amounts, account numbers, and any other sensitive information, unless authorized by the client. Conversations occurring with third parties related to our client situations are conducted only as necessary to fulfill the obligations of the firm; however, no personal information pertaining to clients is shared with third parties without the expressed consent of the client.

Regular Mail: It is EFI’s policy to never mail personal and sensitive information regarding a client other than to the address kept on record at EFI, without the client’s expressed instruction.

Other Internal Measures: In addition to these measures, EFI and its employees avoid storing nonpublic personal information in plain view in areas where it may be seen by third parties or discussing such information in public places where it may be overheard. EFI routinely reviews these practices to ensure the confidentiality, security and integrity of its nonpublic personal information.

External Security Measures (Security is a Partnership): We consider security to be a partnership between us and our clients. Taking some basic, preventative steps can help make your personal information more secure. Many involve plain common sense, like routinely checking your monthly statements to make sure reported account activity is legitimate. Other steps include:

  • Keep your equipment updated:
    • Keep your web browser and operating system updated and activate the computer firewall. Old software and browsers can be susceptible to attack
    • Install anti-virus and anti-spyware software on all platforms (Windows, Apple and mobile devices)
    • Check your security settings on your applications and web browser, and make sure they’re strong
  • Verify you’re on a secure website:
    • On most internet browsers, a lock will appear on the hyperlink bar or an HTTPS prior to the web link.
  • Be cautious with public networks:
    • Be cautious when using public computers. If you do use one, clear the browser’s history (cache) and cookies before leaving.
    • Only use wireless networks you trust or that are protected. Public Wi-Fi locations can be dangerous places to connect your devices. Pay attention to security warnings that pop up. Don’t accept software updates when connected to a public Wi-Fi.
  • Be strategic with login credentials and passwords:
    • Don’t use personal information such as your birthday as part of your login ID.
    • Create a unique password for each financial institution you do business with and change it every six months. Don’t share your passwords.
  • Be alert to phishing scams:

Beware of attempts to “phish” your information. These are often in the form of urgent-sounding emails where you might be encouraged to click on a link in order to update personal information. Even clicking on the link could potentially take you to a malicious website, where malware could infect your computer. We strongly recommend that you not click on suspicious links.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

 Our affiliates include Retirement Wealth Advisors, Inc., FormulaFolio Investments, LLC

 

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

 

Eminence Financial Investing does not share with non-affiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

 EFI may jointly market with companies where a common interest lies. For example, they may jointly market with BlueLeaf regarding their WealthGuard product.

Other important information

Former Customers

If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.

State Laws

If you are a Vermont resident, we will automatically limit sharing of your information.

 

Industry regulatory disclosure requirements

Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Eminence Financial and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Eminence Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc. 

WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement. There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages. WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.

Investment Advisory Services offered through Retirement Wealth Advisors Inc. (RWA) a Registered Investment Advisor. Eminence Financial and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision. This information is designed to provide general information on the subjects covered, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Eminence Financial and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors Inc. 

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