Maintaining the trust and confidence of our clients is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of Navalign, LLC dbas include Navalign Wealth Partners, Carter Jacobs, and 1080 Financial Group.
Non-Identifiable or Aggregated Data: When you interact with Navalign through the Site or Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. Navalign may store such information itself or such information may be included in databases owned and maintained by Navalign authorized vendors, agents or service providers. This Site may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, the domain names of our visitors’ Internet service providers, and how our users use and interact with the Navalign Site and Service. Also, in an ongoing effort to better understand and serve the users of the Services, Navalign often conducts research on its customer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis. Navalign may share this non-identifiable and aggregate data with its authorized vendors, agents and business partners, but this type of non-identifiable and aggregate information does not identify you personally. Navalign may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.
Website Analytics and Remarketing: We may use Remarketing with Google Analytics and Facebook Pixels technologies to advertise online, and may use the Remarketing feature of Google Analytics for Display Advertising. Third-party vendors, including Google and Facebook can display our ads on sites across the Internet. Navalign and other third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to inform, optimize, and serve ads based on visitors’ past visits to our Site and Social Media Profiles. Visitors can opt-out of Google Analytics for Display Advertisers and customize Google Display Network ads using the Ads Preferences Manager at http://www.google.com/ads/preferences.
Authorized Technology Vendors: We will share certain Personal Data with authorized technology vendors that provide functionality and support critical to the operation of Navalign’s Site and Services. Examples of such functions include maintaining databases, client online portal and financial planning software. When we work with other companies to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Agents, Consultants and Third Parties: Navalign, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information and processing payments. When we employ other companies to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal Requirements: Navalign may disclose your Personal Data if required to do so by law or in the good faith and belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of Navalign, (iii) act in urgent circumstances to protect the personal safety of users of the Site or the public, or (iv) protect against legal liability.
Information We Collect: In connection with providing investment products, financial advice, or other services, we obtain non-public personal information about you, including:
· Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, financial goals, assets and income;
· Information about your transactions with us, our affiliates, or others; and
· Information received from credit or service bureaus or other third parties, such as your credit history or employment status.
Categories of Information We Disclose: We may only disclose information that we collect in accordance with this policy. Navalign, LLC does not sell customer lists and will not sell your name to telemarketers.
Categories of Parties to Whom We Disclose: We will not disclose information regarding you or your account with us, except under the following circumstances:
· To entities that perform services for us or function on our behalf, including financial service providers, such as a clearing broker-dealer, investment company, or insurance company;
· To consumer reporting agencies,
· To third parties who perform services or marketing on our behalf;
· To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
· To our attorneys, accountants or auditors; and
· To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries.
How We Use Information: Information may be used among companies that perform support services for us, such as data processors, technical systems consultants and programmers, or companies that help us market products and services to you for a number of purposes, such as:
· To protect your accounts from unauthorized access or identity theft;
· To process your requests such as securities purchases and sales;
· To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer providing services to you and/or Navalign, LLC;
· To service your accounts, such as by issuing checks and account statements;
· To comply with Federal, State, and Self-Regulatory Organization requirements;
· To keep you informed about financial services of interest to you.
Regulation S-AM: Under Regulation S-AM, a registered investment adviser is prohibited from using eligibility information that it receives from an affiliate to make a marketing solicitation unless: (1) the potential marketing use of that information has been clearly, conspicuously and concisely disclosed to the consumer; (2) the consumer has been provided a reasonable opportunity and a simple method to opt out of receiving the marketing solicitations; and (3) the consumer has not opted out. Navalign, LLC does not receive information regarding marketing eligibility from affiliates to make solicitations.
Regulation S-ID: Regulation S-ID requires our firm to have an Identity Theft Protection Program (ITPP) that controls reasonably foreseeable risks to customers or to the safety and soundness of our firm from identity theft. We have developed an ITPP to adequately identify and detect potential red-flags to prevent and mitigate identity theft.
Our Security Policy: We restrict access to nonpublic personal information about you to those individuals who need to know that information to provide products or services to you and perform their respective duties. We maintain physical, electronic, and procedural security measures to safeguard confidential client information.
Your Right to Opt Out: Federal privacy laws give you the right to restrict some sharing of your personal financial information. These laws balance your right to privacy with Navalign’s need to provide information for normal business purposes. You have the right to opt out of some information sharing with companies that are (1) Part of the same corporate group as your financial company (or affiliates); or (2) Not part of the same corporate group as your financial company (or non-affiliates). Choosing to restrict the sharing of our personal financial information will not apply to (1) Information about you to firms that help promote and market the company’s own products or products offered under a joint agreement between two financial companies; (2) Records of your transactions–such as your loan payments, credit card or debit card purchases, and checking and savings account statements–to firms that provide data processing and mailing services for your company; (3) Information about you in response to a court order; and (4) Your payment history on loans and credit cards to credit bureaus. If you opt out, you limit the extent to which Navalign can provide your personal financial information to non-affiliates.
Complaint Notification: Please direct complaints to: Chris Carter, at Navalign, LLC, 15910 Ventura Boulevard, Suite 1605, Encino, CA 91436, (818) 728-4500.