Disclosures & Privacy

Disclosures

Joss Financial Group, LLC (JFG) is a Virginia registered investment adviser. It and its representatives are in current compliance with the requirements for registration set by the states for the investment advisors required by the states that its clients reside. JFG is allowed to do business in the states it is registered in or qualifies by exemption or exclusion from the registration requirements. This website is for the sole purpose of making general information available and should not be interpreted by a prospective or current client as a solicitation, to attempt to effect securities transaction, or as a means to give personal investment advice for compensation via Internet. All direct communication will be conducted by a representative that is registered or able to render advice by exclusion or exemption from the state were the client resides. For further information on the status of registration of JFG, or its representatives, contact the state securities law administrators www.adviserinfo.sec.gov. The firm does not make any claims for accuracy, timeliness, content, suitability, or personal relevance for third party information that can be linked to from this web site or that is incorporated within the site and does not claim responsibility therein. Information is for convenience only, and should be treated as such.

Investments often involve risk and there is no guarantee that investments will be suitable, profitable or a loss in any client’s portfolio. Information provided within or as a result of third parties in this website are not a substitute in any way for personal advice from a financial advisor or other type of professional. Many historical performances do not reflect sales charges, custodial fees, transaction fees, or fees collected for wealth management.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if JFG is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of JFG by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to JFG’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from JFG, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to JFG’s web site, to release and hold harmless JFG, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from JFG.

Privacy

Joss Financial Group, LLC is committed to maintaining the confidentiality, integrity and security of the personal information that is entrusted to us.The categories of nonpublic information that we collect from you may include information about your personal finances, information about your health to the extent that it is needed for the financial planning process, information about transactions between you and third parties, and information from consumer reporting agencies, e.g., credit reports. We use this information to help you meet your personal financial goals. With your permission, we disclose limited information to attorneys, accountants, and mortgage lenders with whom you have established a relationship. You may opt out from our sharing information with these nonaffiliated third parties by notifying us at any time by telephone, mail, fax, email, or in person. With your permission, we share a limited amount of information about you with your brokerage firm in order to execute securities transactions on your behalf. We maintain a secure office to ensure that your information is not placed at unreasonable risk. We employ a firewall barrier; secure data encryption techniques and authentication procedures in our computer environment. We do not provide your personal information to mailing list vendors or solicitors. We require strict confidentiality in our agreements with unaffiliated third parties that require access to your personal information, including financial service companies, consultants, and auditors. Federal and state securities regulators may review our Company records and your personal records as permitted by law. Personally identifiable information about you will be maintained while you are a client, and for the required period thereafter that records are required to be maintained by federal and state securities laws. After that time, information may be destroyed. We will notify you in advance if our privacy policy is expected to change. We are required by law to deliver this Privacy Notice to you annually, in writing.