Camarda Wealth Advisory Group Privacy Policy

This Privacy Policy (this “Policy”) describes how Camarda Financial Advisors LLC, doing business as Camarda Wealth Advisory Group (the “Company,” “we,” “us,” or “our”), collects, uses, discloses, and safeguards personal information.

This Policy applies to information we collect through our website located at camarda.com (the “Site”), through our related webpages, social media presences, online advertisements, electronic communications, and other interactions with us (collectively with the Site, the “Services”), and in the course of providing investment advisory services to our clients.

Two Audiences, Two Sets of Practices

This Policy covers two different groups of people whose information we handle differently because different laws apply:

• Website visitors, prospective clients, and marketing contacts — people who visit the Site, submit a form, subscribe to our communications, or otherwise interact with the Services but who are not clients. Part II of this Policy governs how we handle information about these individuals.
• Advisory clients — individuals and households for whom we provide investment advisory services under a written advisory agreement. Part III of this Policy governs how we handle nonpublic personal information concerning these individuals.

If you are both a website visitor and a client, both parts apply to different categories of information about you.

PLEASE READ THIS POLICY CAREFULLY. BY ACCESSING OR USING THE SERVICES, YOU ACKNOWLEDGE THE PRACTICES DESCRIBED IN THIS POLICY. YOUR USE OF THE SERVICES IS ALSO GOVERNED BY OUR TERMS OF USE.

Part I — General Provisions

1. Scope and Key Terms

1.1 Scope

This Policy applies to information we collect, use, disclose, and safeguard in connection with the Services, as described above, and in connection with the advisory services we provide to our clients. This Policy does not apply to any third-party website, platform, or service, which is governed by that third party’s own privacy practices.

1.2 Key Terms

For purposes of this Policy, “personal information” means information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.

“Nonpublic personal information” has the meaning given in Regulation S-P, 17 C.F.R. § 248.3.

1.3 Relationship to Other Documents

This Policy is incorporated into our Terms of Use by reference.

2. Changes to This Policy

We may update this Policy from time to time. When we do, we will revise the “Last Updated” date at the top of this Policy and post the updated Policy on the Site.

Part II — Information Practices for Website Visitors and Marketing Contacts

3. Categories of Information We Collect

We collect the following categories of personal information from and about website visitors and marketing contacts:

4. Sources of Information

• Directly from you
• Automatically from your browser or device
• From service providers
• From social-media and advertising platforms
• From publicly available sources

5. How We Use Information

• To respond to inquiries and schedule consultations
• To deliver reports, newsletters, and requested content
• To market advisory services
• To improve, monitor, and secure the Services
• To personalize your experience
• To measure advertising effectiveness
• To comply with legal obligations
• To establish or defend legal claims
• To conduct business transactions

6. When We Share Information

6.1 Service Providers

We share personal information with service providers that perform services on our behalf.

6.2 Advertising Partners

We share certain information with online advertising platforms to deliver advertisements and measure advertising effectiveness.

6.3 Affiliates

We share personal information with affiliates including TaxMaster.US, LLC and the Family Wealth Education Institute.

6.4 Business Transfers

We may share information in connection with mergers, acquisitions, financing transactions, reorganizations, or asset sales.

6.5 Legal Process

We may disclose information to comply with law, legal process, or governmental requests.

6.6 With Your Consent

We may share personal information when you authorize us to do so.

7. Cookies, Pixels, and Other Tracking Technologies

7.1 What We Use

We and our service providers use cookies, pixels, web beacons, tags, SDKs, and similar technologies.

7.2 Categories of Tracking Technologies

• Strictly necessary technologies
• Performance and analytics technologies
• Functional technologies
• Advertising and targeting technologies

7.3 Your Choices

• Cookie controls on the Site
• Browser controls
• Global Privacy Control (GPC)
• Advertising-platform controls
• Industry opt-out tools

7.4 Effect of Opting Out

Limiting tracking technologies may affect certain features and functionality.

7.5 Do Not Track

We honor Global Privacy Control signals where required by law.

8. Retention of Information

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with applicable legal obligations.

Part III — Information Practices for Advisory Clients (GLBA/Reg S-P Notice)

9. Categories of Client Nonpublic Personal Information

• Account-opening information
• Transaction and holdings information
• Tax and estate-planning information
• Communications records
• Consumer-report information

10. How We Use Client Information

The Company uses client information to provide advisory services, service client accounts, comply with law, prevent fraud, and communicate with clients.

11. When We Disclose Client Information

11.1 Restricted Internal Access

Access to client information is restricted to authorized personnel and service providers.

11.2 Disclosures to Third Parties

We may disclose information to custodians, broker-dealers, accountants, attorneys, insurance companies, and other service providers.

11.3 Disclosures to Affiliates

We may disclose information to affiliates including TaxMaster.US and the Family Wealth Education Institute.

11.4 Legally Required Disclosures

We may disclose information when required by law or regulatory process.

11.5 Authorized Disclosures

We may disclose information to persons you authorize.

11.6 No Sale of Client Information

We do not sell, rent, lease, or trade client information.

12. Safeguarding Client Information

We maintain physical, electronic, and procedural safeguards designed to protect client information.

13. Former Clients

We apply the same privacy protections to former clients as we do to current clients.

Part IV — SMS, Calls, and Electronic Communications

14. SMS, Calls, and Electronic Communications

14.1 Relationship to Terms of Use

Your consent to receive calls, texts, emails, and AI-assisted communications is governed by our Terms of Use.

14.2 SMS Program Mechanics

Reply “STOP” to opt out of SMS messages. Reply “HELP” for assistance.

14.3 Email Communications

You may unsubscribe from marketing emails at any time.

14.4 Call Recording

Calls may be recorded where permitted by law.

Part V — FCRA Affiliate-Marketing Opt-Out

15. FCRA Affiliate-Marketing Notice and Opt-Out

15.1 Notice

Federal law gives you the right to limit certain marketing from affiliates.

15.2 The Company’s Affiliates

Affiliates include TaxMaster.US, LLC and the Family Wealth Education Institute.

15.3 Your Opt-Out Right

You may limit affiliate marketing communications.

15.4 Duration of Opt-Out

Your opt-out choice remains effective until changed.

15.5 How to Opt Out

Contact us using the information in Section 21.

Part VI — Your Privacy Rights

16. Privacy Rights Generally

• Right to Know or Access
• Right to Delete
• Right to Correct
• Right to Data Portability
• Right to Opt Out of Sale or Sharing
• Right to Opt Out of Targeted Advertising
• Right to Opt Out of Profiling
• Right to Limit Use of Sensitive Personal Information
• Right to Non-Discrimination
• Right to Appeal

17. State-Specific Privacy Rights

17.1 California

California residents may exercise rights under the California Consumer Privacy Act (CCPA/CPRA).

17.2 Other States

Residents of Virginia, Colorado, Connecticut, Utah, Texas, Oregon, and other states may exercise applicable rights.

17.3 Florida

The Company voluntarily extends similar privacy rights to Florida residents.

17.4 Nevada

Nevada consumers may submit requests concerning covered information.

17.5 Oregon

Oregon residents may request certain disclosure lists.

Part VII — Additional Provisions

18. Information Security

We maintain administrative, technical, and physical safeguards to protect personal information.

19. Children’s Information

The Services are not directed to children under sixteen.

20. Third-Party Websites, Services, and Client Portals

20.1 Third-Party Websites and Services

We are not responsible for third-party privacy practices.

20.2 Camarda Portal

The Camarda Portal is governed by separate terms and privacy notices.

21. Contact Information

To exercise any privacy right described in this Policy or ask questions regarding our privacy practices, contact:

Chief Compliance Officer
Camarda Financial Advisors LLC
d/b/a Camarda Wealth Advisory Group
4371 U.S. Highway 17, Suite 201
Fleming Island, FL 32003

Telephone: 888-CAMARDA (888-226-2732)