At Stern Financial, we are committed to protecting the confidentiality and security of the nonpublic personal information (NPI) we collect. As a fiduciary, we maintain physical, electronic, and procedural safeguards to guard your data.

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1. Information We Collect

We collect personal information to open your accounts, process transactions, and provide tailored wealth management services. This includes:

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• Identifying Information: Name, address, phone number, and Social Security or Taxpayer Identification Number.

• Financial Profile: Assets, liabilities, income, account balances, and investment goals.

• Digital Data: IP addresses, cookies, and website usage data collected during your visit to improve our site performance.

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2. How We Use Your Information

We use your data strictly for legitimate business purposes:

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• Account Administration: To establish and manage your investment portfolios and execute trades.

• Regulatory Compliance: To fulfill our obligations to bodies like the SEC or FINRA.

• Communication: To provide you with market updates, administrative messages, or materials you have requested.

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3. Sharing Your Information

We do not sell your personal information to anyone. We only share data with non-affiliated third parties in the following limited cases:

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• Service Providers: Custodians, broker-dealers, and technology partners who assist in managing your accounts.

• Legal Requirements: In response to subpoenas, court orders, or regulatory investigations.

• Your Consent: When you explicitly authorize us to share information with your CPA, attorney, or other professionals.

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4. Your Rights & Options

• Opt-Out Rights: You have the right to limit the sharing of your information with non-affiliates for marketing purposes.

• Access & Correction: You may request a copy of the personal data we hold or ask us to correct inaccuracies.

• State-Specific Rights: If you are a resident of California, you may have additional rights under the CCPA, including the "Right to Know" and the "Right to Delete".

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5. Security Measures

We employ industry-standard encryption, multi-factor authentication (MFA), and strict internal access controls to protect your data. Our employees are only granted access to the specific information needed to perform their jobs.

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Contact Us
If you have questions about this policy or wish to exercise your rights, please contact our office at

413-253-8989/nick@planwithsf.com.

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