Your Privacy
Matters.

Scope of This Privacy Policy

This Privacy Policy applies to personal information collected through the following touchpoints:

• ArnionFinancial.com
• Arnion Financial website forms
• Financial Clarity Session requests
• Appointment scheduling
• Email communications
• SMS / text communications
• Educational webinars and masterclasses
• Newsletters and educational resources
• Online advertising and analytics technologies
• Other digital interactions operated by or on behalf of Arnion Financial

This Privacy Policy primarily governs information collected by Arnion Financial Inc. Certain insurance carriers, registered investment advisers, custodians, estate-planning providers, technology providers, and other third parties may maintain their own privacy policies and legal obligations. Information submitted directly to those organizations may be governed by their separate privacy notices.

Information We Collect

When you submit information through our website, schedule an appointment, register for an educational event, or communicate with us, we may collect information such as:

• First name
• Last name
• Email address
• Telephone number
• Primary financial concern
• Retirement timeline
• Appointment preferences
• Communication and marketing preferences
• Information included in messages you voluntarily send to us

Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies, pixels, analytics tools, log files, and similar technologies, including:

• IP address
• Browser type
• Device type
• Operating system
• Approximate geographic location
• Pages viewed
• Links clicked
• Referring website
• Time and date of visits
• Website interaction information
• Advertising identifiers
• Cookie identifiers
• Conversion and campaign information

We use this information to operate our website, understand how visitors interact with it, improve the user experience, measure marketing effectiveness, maintain security, and provide relevant educational or promotional communications.

Cookies & Website Technologies

Arnion Financial may use cookies and similar technologies to:

• Operate essential website functions
• Remember visitor preferences
• Analyze website usage
• Measure website performance
• Understand visitor engagement
• Measure advertising campaigns
• Deliver or measure relevant advertising
• Improve our website and marketing efforts

Providers Our Website May Rely On

• Google Analytics
• Google Ads
• Meta / Facebook
• GoHighLevel / LeadConnector
• Calendly
• YouTube

These providers may collect or receive information about your browser, device, website activity, or interactions in accordance with their respective privacy policies and our configuration of their services. You may be able to manage non-essential cookies through our website's cookie preferences tool or through your browser settings. Where required by applicable law, we will provide additional mechanisms to opt out of certain targeted advertising or data-sharing activities.

How We Use Information

Arnion Financial may use personal information to:

• Respond to inquiries
• Schedule Financial Clarity Sessions
• Confirm and remind about appointments
• Provide requested information
• Communicate regarding financial education
• Deliver newsletters and resources
• Send webinar or masterclass invitations
• Provide marketing communications where permitted
• Send SMS / text communications where consented
• Personalize website experiences
• Understand visitor interests and improve our services
• Measure marketing effectiveness
• Maintain records and prevent fraud or misuse
• Protect our website and systems
• Meet legal, regulatory, and contractual obligations

We do not use personal information for purposes materially different from those described in this Privacy Policy without providing appropriate notice where required.

Email Communications

If you provide your email address, Arnion Financial may send communications including appointment confirmations and reminders, financial education, newsletters, retirement-planning information, masterclass or webinar invitations, company updates, and promotional communications.

You may unsubscribe from marketing emails at any time using the unsubscribe link contained in the email. Certain administrative or transactional communications related to an appointment, request, or existing relationship may continue where appropriate.

SMS & Text Messaging

If you provide your mobile telephone number and applicable consent, Arnion Financial may send text messages regarding appointment confirmations and reminders, requested and educational information, event invitations, and promotional communications. Message frequency may vary, and message and data rates may apply depending on your wireless carrier and service plan.

Consent to receive marketing text messages is not a condition of purchasing products or services. You may opt out at any time by replying STOP to a message or by contacting Arnion Financial directly.

How We Disclose Information

Arnion Financial may disclose personal information when reasonably necessary to operate our business and provide requested services.

Service Providers

• Website hosting
• Customer relationship management
• Appointment scheduling
• Email and SMS delivery
• Analytics and advertising technology
• Cybersecurity and data storage
• Professional services

Financial & Insurance Professionals

When you request or authorize services involving insurance, investment advisory services, custodial services, or other financial services, information may be provided to appropriately licensed or registered professionals as necessary to evaluate or provide those services.

Estate Planning Referrals

Arnion Financial may introduce or refer clients to independent third-party estate-planning professionals. Arnion Financial does not itself provide legal advice, and referred information is shared with your involvement, authorization, or direction.

Legal, Regulatory & Business Transactions

We may disclose information to comply with applicable law, respond to lawful governmental or court requests, meet regulatory obligations, protect our rights, clients, or others, investigate misconduct, or as part of a merger, acquisition, or similar business transaction.

We Do Not Sell Client Information

Arnion Financial does not sell client financial information or personal information to data brokers or unrelated third parties for monetary consideration, and does not provide client financial information to unrelated businesses for their own independent marketing purposes.

However, our website may use analytics, advertising, and measurement technologies that transmit limited browser, device, cookie, and website-activity information to technology and advertising providers. Under certain state privacy laws, some uses of advertising technology may legally be defined as "sharing," "targeted advertising," or similar terminology, even though Arnion Financial does not receive money in exchange for the information. Where applicable law provides a right to opt out of such activities, Arnion Financial will provide an appropriate method for exercising that right.

Third-Party Financial Services & Privacy Notices

Arnion Financial Inc. provides insurance, retirement, financial education, and planning-related services, and coordinates with appropriately licensed or registered financial professionals. Arnion Financial Inc. is not itself the registered investment adviser for advisory services that may be provided through a separate registered investment advisory firm.

If your relationship progresses into insurance, investment advisory, custodial, or other regulated financial services, you may receive separate privacy notices from insurance companies, registered investment advisers, investment adviser representatives, custodians, financial institutions, or other regulated entities. Those notices may govern information collected in connection with those specific products or services, and this website Privacy Policy does not replace them.

California Privacy Rights

California residents may have certain rights regarding personal information under the California Consumer Privacy Act, as amended, and other applicable California privacy laws. Depending on applicability, rights may include the right to:

• Know what categories of information are collected
• Request access to personal information
• Request deletion of personal information
• Request correction of inaccurate information
• Know the purposes for which information is used
• Know categories of third parties information is disclosed to
• Opt out of the sale or sharing of information, where applicable
• Limit certain uses of sensitive personal information
• Exercise privacy rights without unlawful discrimination

Arnion Financial does not sell personal information for monetary consideration. If our use of online advertising technology constitutes "sharing" or targeted advertising under applicable California law, California residents may exercise applicable opt-out rights through privacy controls on our website or by contacting us. We will also honor legally required browser-based privacy preference signals where applicable.

Privacy Rights in Other U.S. States

Residents of certain U.S. states may have privacy rights under their state's applicable laws, which — depending on your state of residence and whether the law applies to Arnion Financial — may include the right to:

• Access personal information
• Correct personal information
• Delete personal information
• Obtain a portable copy of certain information
• Opt out of certain targeted advertising
• Opt out of certain sales of information
• Opt out of certain profiling activities
• Appeal certain privacy-request decisions

To submit a privacy request, contact us using the information in the Contact Us section below. We may need to verify your identity before completing certain requests, and we will process applicable requests in accordance with applicable law.

Global Privacy Control & Advertising Choices

Where required by applicable law, Arnion Financial recognizes qualifying browser-based opt-out preference signals, including Global Privacy Control signals. You may also be able to restrict cookies or advertising technologies through website cookie settings, browser settings, device privacy settings, or advertising platform preference settings. Disabling certain cookies may affect some website functions.

Data Retention

Arnion Financial retains personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing requested services, maintaining client and prospect records, managing communications, meeting legal and regulatory obligations, resolving disputes, and protecting against fraud or security threats. Retention periods may vary depending on the nature of the information and applicable legal or regulatory requirements.

Data Security

Arnion Financial uses reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. We also rely on third-party technology providers to maintain appropriate security controls for systems they operate on our behalf.

Third-Party Websites & Services

Our website may contain links to third-party websites and services, including appointment scheduling platforms, financial institutions, insurance providers, investment advisory firms, estate-planning providers, educational platforms, social media platforms, and video services. Arnion Financial is not responsible for the privacy practices of third-party websites we do not control, and we encourage you to review the privacy policy of any third-party website before providing personal information.

Children & Minors

Arnion Financial's website and services are intended for individuals 18 years of age or older. We do not knowingly solicit or collect personal information through this website from individuals under 18. If we become aware that information from a minor has been submitted through our website inappropriately, we may take reasonable steps to delete it. Parents or legal guardians who believe a minor has provided information to Arnion Financial may contact us.

Do Not Track

Some browsers provide "Do Not Track" settings. Because industry standards concerning traditional Do Not Track signals may vary, our website may not respond to every Do Not Track setting. Where applicable law requires recognition of a qualifying opt-out preference signal, we will endeavor to honor that signal as required.

Policy Updates

Arnion Financial may update this Privacy Policy periodically to reflect changes in our services, our technology, our privacy practices, or applicable laws and regulations. When we make material changes, we will update the Last Updated date at the top of this Privacy Policy and provide additional notice where required. We encourage visitors to review this Privacy Policy periodically.

Contact Us

Questions, concerns, or privacy requests may be directed to Arnion Financial Inc. Please include "Privacy Request" in the subject line when submitting a privacy-related request. We may request reasonable information necessary to verify your identity before fulfilling certain privacy requests.