AFO|Wealth Management Forward Privacy & Cookie Policy – US
(This version of the privacy policy in effect as of March 18, 2022)
General
AFO|Wealth Management Forward is committed to respecting the privacy of consumers and its customers, including visitors to our US websites. This Privacy & Cookie Policy sets out how we collect, use, and share personal information. This Privacy & Cookie Policy also explains how we use cookies and similar technologies on our US websites and subsites.
Any changes to this privacy policy will be posted at www.wealthmanagementforward.com You can also access this Privacy & Cookie Policy via our homepage and from the bottom of every page by clicking on the appropriate link in the footer.
Glossary
“Consumer” – an individual or an individual’s legal representative that obtains or has obtained a financial product or service to be used primarily for personal, household or family purposes. A person becomes a consumer even if a questionnaire or application is withdrawn or denied or an advisory agreement does not become effective.
“Customer” – a consumer that has an ongoing relationship with AFO|Wealth Management Forward whereby AFO|Wealth Management Forward is providing one or more financial products or services to the consumer (e.g., an advisory client of FAFO|Wealth Management Forward).
“Nonpublic personal information” –
- All personally identifiable financial information.
- While the GLB Act excludes publicly available information (e.g., a list of persons and their publicly listed telephone numbers), nonpublic personal information does include any list, description or other grouping of consumers (and publicly available information pertaining to them) derived using any nonpublic personally identifiable financial information that is not publicly available information.
What information AFO|Wealth Management Forward collects
AFO|Wealth Management Forward collects the following information:
- AFO|Wealth Management Forward collects information from individuals who request informational materials, including name, address, telephone number, email address and investment-related questions.
- AFO|Wealth Management Forward collects relevant information on applications and resumes from prospective employees via our careers website.
- AFO|Wealth Management Forward collects information provided orally and in writing via email, mail, online or in person from prospective clients, clients, prospective employees and employees.
- Our websites use cookies to collect technical information, such as IP address, browser used to view the website, operating system, resolution of screen, location, language settings in browser, the site directing to our site, keywords searched, the number of page views, etc. Please see “Cookie Policy” below.
How AFO|Wealth Management Forward uses and shares information collected
AFO|Wealth Management Forward may use the information for the following reasons:
- Internal record keeping.
- To improve products and services.
- To follow up, either by email, phone or mail, with people who have requested information and/or materials.
- To periodically send promotional email or mail about services, recent developments or other information individuals may find interesting using the email address or mailing address provided when requesting information.
- To access certain special features or areas of this website.
- To evaluate prospective employees for positions, and to employ its personnel.
- To analyze the financial situation of prospective clients and to provide investment advisory and management services to clients.
- As otherwise permitted by law.
AFO|Wealth Management Forward may disclose information externally as permitted or required by law (such as to affiliates, service providers, and regulatory agencies), or where individuals have provided permission. AFO|Wealth Management Forward will not sell or lease personal information to third parties so they can market to individuals.
How to contact AFO|Wealth Management Forward
If you have any questions or concerns regarding this Privacy & Cookie Policy, AFO|Wealth Management Forward can be contacted as follows:
info@wealthmanagementforward.com
Please ensure that full name and address are provided in exactly the form in which it was originally provided to AFO|Wealth Management Forward to avoid any possible confusion with a different individual.
To unsubscribe from AFO|Wealth Management Forward email communications, send an email to info@wealthmanagementforward.com. Please put “UNSUBSCRIBE” in the subject field and include the email address where you received the content, along with any additional email addresses you would like suppressed. We will do our best to prevent you from receiving our email content in the future.
Security
In order to prevent unauthorized access or disclosure, AFO|Wealth Management Forward has put in place suitable physical, electronic and managerial procedures to safeguard and secure information. Nevertheless, due to the nature of the Internet and Internet technologies, security and privacy risks cannot be eliminated and AFO|Wealth Management Forwardcannot guarantee that information will not be disclosed in ways not otherwise described in this privacy policy.
Other Websites
TheAFO|Wealth Management Forward website may contain links to enable users to visit other websites of interest easily. However, once users have used these links to leave this site, users should note thaAFO|Wealth Management Forward does not have any control over that other website. Therefore,AFO|Wealth Management Forward cannot be responsible for the protection and privacy of any information which users provide while visiting such sites and such sites are not governed by this Privacy & Cookie Policy. Individuals should exercise caution and look at the privacy and cookie policies applicable to the website in question.
Cookie Policy
A cookie is a small text file downloaded to an individual’s computer (or other device) when accessing web pages that use them. Cookies and other online tracking technologies (collectively referred to in this policy as “cookies”) allow a website to store and retrieve information about visitors’ online activity. Cookies are, for example, how a website remembers what display language you chose or what items you put into your online shopping cart.
Cookies can be categorized by who places them:
- First-party cookies: These cookies are downloaded to an individual’s computer from a server or domain managed by the publisher of the website whose service the individual is requesting.
- Third-party cookies: These cookies are downloaded to a computer from a server or domain that is not managed by the publisher, but by another entity that may be seeking data obtained through cookies.
Cookies can also be categorized by their duration:
- Session cookies: These cookies are designed to collect and store data while the individual accesses a web page. They are often used to store information for the duration of a visit to the site (e.g., what account you are logged into). Once an individual leaves the website, the session cookie is deleted.
- Persistent cookies: These cookies store data on a computer for the duration of the period set within the cookie’s file, which is determined by the entity controlling the cookie, and can range from a few minutes to several years, or until manually deleted.
Lastly, cookies can be categorized by the function they serve. AFO|Wealth Management Forward uses the following types of first- and third-party cookies:
1. Functionality Cookies
These cookies allow the website to remember choices you make (such as your geographic region or preferred text size). Functionality cookies do not collect any personal information. Enabling functionality cookies may be necessary to access the full content of website material.
2. Personalization Cookies
Personalization cookies allow a website to remember information that changes the page’s appearance or behavior, such as, for example, the language selected for viewing the page.
3. Analytics Cookies
Analytics cookies analyze how individuals browse a website and enable AFO|Wealth Management Forward to measure the number of visitors to its websites, as well as to measure and analyze how individuals interact with the site. We use this information to improve the websites and the products or services offered.
4. Behavioral Advertising Cookies
AFO|Wealth Management Forward serves advertisements on various websites using third party companies. If an individual visits a website or clicks on one of AFO|Wealth Management Forward’ advertisements, behavioral cookies will be placed on the individual’s computer. Behavioral cookies allow AFO|Wealth Management Forward to manage and optimize its digital marketing (e.g., banner ads, pages offering informational brochures, email campaigns, etc.). Behavioral cookies may be used to build a profile to provide content more relevant to an individual’s interests. They adapt advertising and the content the individual sees on other websites based on browsing habits, including how the individual navigates websites, as well as how the individual interacts with internet advertising.
“Do Not Track” Signals
Our website does not respond to “do not track” signals from users’ web browsers.
AFO|Wealth Management Forwards Privacy & Cookie Policy – California
(This version of the privacy policy in effect as of December 20, 2019)
General
AFO|Wealth Management Forwards is committed to respecting the privacy of consumers and its customers, including visitors to our US websites. This Privacy & Cookie Policy sets out how we collect, use, and share personal information. This Privacy & Cookie Policy also explains how we use cookies and similar technologies on our US websites and subsites.
Any changes to this privacy policy will be posted at www.wealthmanagementforward.com. You can also access this Privacy & Cookie Policy via our homepage and from the bottom of every page by clicking on the appropriate link in the footer.
AFO|Wealth Management Forwards is registered with the U.S. Securities and Exchange Commission (the “SEC”) as an investment adviser and is required to comply with SEC Regulation S-P (“Reg. S-P”), as well as the U.S. Gramm-Leach-Bliley Act of 1999 (the “GLB Act”). Reg. S-P and the GLB Act require AFO|Wealth Management Forwards to have policies and procedures in place to protect the security and confidentiality of the non-public personal information of consumers and customers, and to provide a privacy notice to such persons describing our privacy policies and procedures.
Glossary
“Consumer” – an individual or an individual’s legal representative that obtains or has obtained a financial product or service to be used primarily for personal, household or family purposes. A person becomes a consumer even if a questionnaire or application is withdrawn or denied or an advisory agreement does not become effective.
“Customer” – a consumer that has an ongoing relationship with AFO|Wealth Management Forwards, whereby AFO|Wealth Management Forwards is providing one or more financial products or services to the consumer (e.g., an advisory client of AFO|Wealth Management Forwards).
“Nonpublic personal information” –
- All personally identifiable financial information.
- While the GLB Act excludes publicly available information (e.g., a list of persons and their publicly listed telephone numbers), nonpublic personal information does include any list, description or other grouping of consumers (and publicly available information pertaining to them) derived using any nonpublic personally identifiable financial information that is not publicly available information.
What information AFO|Wealth Management Forwards collects
AFO|Wealth Management Forwards collects the following information:
- AFO|Wealth Management Forwards collects information from individuals who request informational materials, including name, address, telephone number, email address and investment-related questions.
- AFO|Wealth Management Forwards collects relevant information on applications and resumes from prospective employees via our careers website.
- AFO|Wealth Management Forwards collects information provided orally and in writing via email, mail, online or in person from prospective clients, clients, prospective employees and employees.
- Our websites use cookies to collect technical information, such as IP address, browser used to view the website, operating system, resolution of screen, location, language settings in browser, the site directing to our site, keywords searched, the number of page views, etc. Please see “Cookie Policy” below.
How AFO|Wealth Management Forwards uses and shares information collected
AFO|Wealth Management Forwards may use the information for the following reasons:
- Internal record keeping.
- To improve products and services.
- To follow up, either by email, phone or mail, with people who have requested information and/or materials.
- To periodically send promotional email or mail about services, recent developments or other information individuals may find interesting using the email address or mailing address provided when requesting information.
- To access certain special features or areas of this website.
- To evaluate prospective employees for positions, and to employ its personnel.
- To analyze the financial situation of prospective clients and to provide investment advisory and management services to clients.
- As otherwise permitted by law.
AFO|Wealth Management Forwards may disclose information externally as permitted or required by law (such as to affiliates, service providers, and regulatory agencies), or where individuals have provided permission. AFO|Wealth Management Forwards will not sell or lease personal information to third parties so they can market to individuals.
How to contact AFO|Wealth Management Forwards
If you have any questions or concerns regarding this Privacy & Cookie Policy, AFO|Wealth Management Forwards can be contacted as follows:
info@wealthmanagementforward.com
Please ensure that full name and address are provided in exactly the form in which it was originally provided to AFO|Wealth Management Forwards to avoid any possible confusion with a different individual.
To unsubscribe from AFO|Wealth Management Forwards’ email communications, send an email to info@wealthmanagementforward.com. Please put “UNSUBSCRIBE” in the subject field and include the email address where you received the content, along with any additional email addresses you would like suppressed. We will do our best to prevent you from receiving our email content in the future.
Security
In order to prevent unauthorized access or disclosure, AFO|Wealth Management Forwards has put in place suitable physical, electronic and managerial procedures to safeguard and secure information. Nevertheless, due to the nature of the Internet and Internet technologies, security and privacy risks cannot be eliminated and AFO|Wealth Management Forwards cannot guarantee that information will not be disclosed in ways not otherwise described in this privacy policy.
Other Websites
The AFO|Wealth Management Forwards website may contain links to enable users to visit other websites of interest easily. However, once users have used these links to leave this site, users should note that AFO|Wealth Management Forwards does not have any control over that other website. Therefore, AFO|Wealth Management Forwards cannot be responsible for the protection and privacy of any information which users provide while visiting such sites and such sites are not governed by this Privacy & Cookie Policy. Individuals should exercise caution and look at the privacy and cookie policies applicable to the website in question.
Cookie Policy
A cookie is a small text file downloaded to an individual’s computer (or other device) when accessing web pages that use them. Cookies and other online tracking technologies (collectively referred to in this policy as “cookies”) allow a website to store and retrieve information about visitors’ online activity. Cookies are, for example, how a website remembers what display language you chose or what items you put into your online shopping cart.
Cookies can be categorized by who places them:
- First-party cookies: These cookies are downloaded to an individual’s computer from a server or domain managed by the publisher of the website whose service the individual is requesting.
- Third-party cookies: These cookies are downloaded to a computer from a server or domain that is not managed by the publisher, but by another entity that may be seeking data obtained through cookies.
Cookies can also be categorized by their duration:
- Session cookies: These cookies are designed to collect and store data while the individual accesses a web page. They are often used to store information for the duration of a visit to the site (e.g., what account you are logged into). Once an individual leaves the website, the session cookie is deleted.
- Persistent cookies: These cookies store data on a computer for the duration of the period set within the cookie’s file, which is determined by the entity controlling the cookie, and can range from a few minutes to several years, or until manually deleted.
Lastly, cookies can be categorized by the function they serve. AFO|Wealth Management Forwards uses the following types of first- and third-party cookies:
1. Functionality Cookies
These cookies allow the website to remember choices you make (such as your geographic region or preferred text size). Functionality cookies do not collect any personal information. Enabling functionality cookies may be necessary to access the full content of website material.
2. Personalization Cookies
Personalization cookies allow a website to remember information that changes the page’s appearance or behavior, such as, for example, the language selected for viewing the page.
3. Analytics Cookies
Analytics cookies analyze how individuals browse a website and enable AFO|Wealth Management Forwards to measure the number of visitors to its websites, as well as to measure and analyze how individuals interact with the site. We use this information to improve the websites and the products or services offered.
4. Behavioral Advertising Cookies
AFO|Wealth Management Forwards serves advertisements on various websites using third party companies. If an individual visits a website or clicks on one of AFO|Wealth Management Forwards’ advertisements, behavioral cookies will be placed on the individual’s computer. Behavioral cookies allow AFO|Wealth Management Forwards to manage and optimize its digital marketing (e.g., banner ads, pages offering informational brochures, email campaigns, etc.). Behavioral cookies may be used to build a profile to provide content more relevant to an individual’s interests. They adapt advertising and the content the individual sees on other websites based on browsing habits, including how the individual navigates websites, as well as how the individual interacts with internet advertising.
“Do Not Track” Signals
Our website does not respond to “do not track” signals from users’ web browsers.
California Residents Only
Beginning January 1, 2020, California residents have certain rights relating to their personal information described in the chart below. A California resident with questions about our privacy policies should contact us by email at info@wealthmanagementforward.com. A California resident with a disability seeking privacy information in an alternative format should contact us in the same manner. For other contact information, refer to “How to contact AFO|Wealth Management Forwards” above.
Information Collected and How it is Used
Categories of Personal Information | Purposes of Collecting and Using Personal Information |
Name, address, telephone number, email address, and other identifying information relating to individuals | Marketing purposes, including delivering informational materials to individuals who request them and offering financial services |
Commercial information limited to records of informational materials requested and other individual interactions with us | Marketing purposes, including tracking responses from prospective clients and research to improve offerings |
IP addresses and other technical information as described in “Cookie Policy” above | Marketing purposes, including direct marketing optimization and insight on performance of web based applications |
Employment-related information | Promote employment opportunities; evaluate competence and qualifications; perform background checks; and administer employment relationship, including payroll, benefits, travel arrangements, expense reimbursement, career development, employee recognition, and promotion of AFO|Wealth Management Forwards in internal and external materials and advertising |
Financial and other information obtained in the course of providing investment advice and other services | Provide investment advisory, investment management, other financial services, and non-financial services; enhance client service capabilities; and meet AFO|Wealth Management Forwards’ regulatory obligations |
AFO|Wealth Management Forwards obtains information used for marketing purposes directly from individuals who request informational materials, through cookies and other online tracking technologies, from existing clients and other referral sources, and from list vendors that gather and sell identifying information. Employment-related information is obtained from third party recruiters, employee referrals, directly from individuals, and background check providers. Information relating to non-financial services is obtained directly from individuals. AFO|Wealth Management Forwards discloses personal information to regulatory agencies, law enforcement authorities, its lawyers and accountants, and other third parties explicitly authorized by the individual. AFO|Wealth Management Forwards does not sell or lease personal information to third parties.
Information used in connection with investment advice, investment management, and other financial services is collected pursuant to the GLB Act and Reg. S-P, directly from prospective clients and clients and from other authorized sources, such as securities account custodians. The privacy notice required by the GLB Act (described above) explains how AFO|Wealth Management Forwards shares this information.
Accessing and Deleting Your Personal Information
California residents have the right to request disclosure of the categories of personal information collected, specific pieces of personal information collected, sources, purposes for collecting and using, and categories of third parties to whom the information is shared. California residents also have the right to request deletion of their personal information and to not be discriminated against for exercising their rights with respect to personal information.