Our Commitment to Privacy

This Privacy Policy was developed as part of our commitment to combine the highest quality services with the highest level of integrity in dealing with our clients and visitors. The Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and services.

What Information Do We Collect?

When you visit our website, you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and website use information collected on an aggregate basis as you and others browse our website.

1. Personal Information Provided Through Online Forms

If you choose to inquire about our services, you may need to give personal information. For example, you may be asked to provide the following information:

  • Name
  • Mailing address
  • Email address
  • Home and business phone number

Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses for a period of 36 months. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

2. Website Use Information

Similar to other commercial websites, our website utilizes web server logs to collect information about how our website is used. Information gathered through web server logs may include the date and time of visits, the pages viewed, time spent at our website, and the websites visited just before and just after our website. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

Children’s Information. We recognize a special obligation to protect personal information obtained from young children. Our website is designed and intended for adults and is not of likely interest to children. The forms on our website are capable, however, of collecting online information from children under the age of 13 who furnish it without prior parental consent. Upon discovery that any such information has been supplied by children under the age of 13, we will disregard and delete that information. We urge parents to instruct their children to never give out their real names, addresses or phone numbers without their permission when online.

Information Sent To Us By Your Browser. Like most commercial websites, we collect information that is sent to us automatically by your web browser when you access our website. This information typically includes the IP address of your Internet service provider, the type of your operating system and the type of your browser. The information we receive depends on the settings on your browser. Please check your browser if you want to learn what information your browser sends or how to change your settings. We use this information to create statistics that help us improve our website and make it more compatible with the technology used by our visitors. We may review our server logs for security purposes, such as detecting intrusions into our network. If we suspect criminal activity, we might share our server logs – which contain visitors’ IP addresses – with the appropriate investigative authorities who could use that information to trace and identify individuals. In addition, if you access our website through an email we have sent you, we may link the information provided by your browser to information in our records that identifies you personally.

Information Collected Using “Cookies. Like many commercial websites, we use “cookies.” A cookie is a small text file that is placed on your hard disk by a web server. Cookies cannot be used to install computer programs or deliver viruses to your computer. We may use two types of cookies – “session cookies” and “persistent cookies.” We may use “session cookies” to assign a randomly-generated unique identification number to your computer. A session cookie expires after you close your browser. We use session cookies to collect information about the ways visitors use our website – which pages they visit, which links they use and how long they stay on each page. We analyze this information, known as “click-through data,” to better understand our visitors’ interests and needs, and to improve the content and functionality of our website. We may also use “persistent cookies.” These cookies do not expire when you close your browser, but stay on your computer until they expire or you delete them. Each time you visit our website, our web server will recognize your cookie. By assigning your computer a persistent, unique identifier, we’re able to create a database of your previous choices and preferences. In situations where these choices or preferences need to be collected again, they can be provided by us automatically, saving you time and effort. Assigning your computer a persistent, unique identifier also helps us keep a more accurate account of how many people visit our website, how often they return, how their use of our website may vary over time and the effectiveness of our promotional efforts. If you access our website through an email we have sent you or you’ve created a “user identity” during one of your visits, we may link the information provided by our cookies to information in our records that identifies you personally.

Spyware. Our website does not use spyware. The term “spyware” refers to a software program that, when installed on your computer, changes settings, displays advertising or tracks your Internet behavior and reports information back to a central database. Spyware is usually installed on your computer without your knowledge and can be very difficult to remove.

We will not otherwise share your personal information with affiliates, service providers or other third parties for unknown or unrelated purposes.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other products and services to our customers and prospective customers.

Sharing Information

We do not share your personal information with any affiliates, strategic partners or anyone else. Should this policy change, you will be notified and given the opportunity to remove your personal information.

Notice of New Services and Changes

Occasionally, we may use the information we collect to notify you about important changes to our website, new services and special offers we think you will find valuable. You will be given the opportunity to notify us of your desire not to receive these offers by clicking on a response box when you receive such an offer.

How Do We Protect Your Information?

Information Security. We utilize encryption/security software to safeguard the confidentiality of personal information we collect from unauthorized access or disclosure and accidental loss, alteration or destruction.

Evaluation of Information Protection Practices. Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

Employee Access, Training and Expectations. Our corporate values, ethical standards, policies and practices are committed to the protection of customer information. Our business practices limit employee access to confidential information and limit the use and disclosure of such information to authorized persons, processes and transactions.

What About Legally Compelled Disclosure of Information?

We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.

Your Consent

By using our website you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our website to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it.

Joyful Financial Group, LLC Privacy Policy

At Joyful Financial Group, LLC, we are committed to maintaining the confidentiality, integrity and security of nonpublic personal information provided and entrusted to us, by you, in order for us to provide thorough financial and planning services to you, our client. When you provide personal information to us, we believe you should be aware of our policies to protect the confidentiality of that information.

The following information summarizes the privacy policy of Joyful Financial Group, LLC as to the collection, use, retention and security of your nonpublic personal information.

We may collect certain nonpublic personal information about you, but only when that information is provided by you or is obtained by us with your authorization, for the purpose of offering or furnishing services to you. We use that information to evaluate your financial situation and may also use it to provide various tax and financial planning services and products to you at your request.

The types of nonpublic information we may collect from you can be obtained from interviews, phone calls with you, letters or emails, and other forms or communications including:

  • Name, address, social security number and asset, liability and income information;
  • Information you have authorized us to obtain from others, including but not limited to, brokerage or other financial information.

We do not disclose personal information about you with non-affiliated third parties except as permitted or required by law (e.g., disclosures to service client accounts or to respond to subpoenas). We may share personal information about you with non-affiliated individuals or entities that you have previously authorized, including but not limited to, your other professional advisors and/or service providers (e.g., attorney, accountant, insurance agent, broker-dealer, investment adviser, account custodian).

In addition to that which is described in this notice, we restrict access to nonpublic personal information about you to employees of our company and, in limited situations, to other non-affiliated third parties who assist us in providing services to you. Their right to further disclose and use the information is limited by the policies of our company, applicable law, our Code of Ethics and nondisclosure agreements where appropriate. We also maintain physical, electronic and procedural safeguards in compliance with applicable law and regulations to guard your nonpublic personal information. We reserve the right to amend our policies at any time and will notify you should this occur.

Thank you for allowing us to serve you. We value your business and are committed to protecting your privacy. We hope you view our company as your most trusted adviser and we will work to continue earning your trust and respect. Please call us if you have any question or if we can be of further service.

Joyful Financial Group