Online Privacy Notice

Updated: May 31, 2025

Effective:

This online privacy notice (“Online Privacy Notice”) is being provided by the following companies (collectively, “Bratcher Financial Group”, “we”, “us”, or “our”):

• Bratcher Financial Group

We are committed to maintaining your confidence and trust as it relates to the privacy of your information. Please read below and learn how we collect, protect, share and use your information as part of our technology platforms, including, without limitation, our websites, interactive features, applications, and social network pages (“Platforms”).

1. INFORMATION WE COLLECT ON OUR PLATFORMS

Information You Provide to Us

We may collect Personal Information relevant to the services provided. The types of Personal Information we collect may vary depending on selected services. If you are a customer of Bratcher Financial, we will handle your personal information in accordance with our customer privacy notices.

Information We Collect Automatically

Usage Information. Whenever you visit or interact with the Platforms, we, as well as required service providers, may use a variety of technologies that automatically or passively collect information about how the platforms are accessed and used (“Usage Information”). Usage Information may include browser type, device type, operating system, application version, the page served, the time, the preceding page views, and your use of features or applications on the Platforms. We may also collect geolocation information. This information helps us tailor content to a visitor’s interests, and to identify and fix technical issues with the Platforms.

Device Identifier. We automatically collect an IP address or other unique identifier (“Device Identifier”) for the Device (computer, mobile phone, tablet or other device) you use to access the Platforms. A Device Identifier is a number that is assigned to your Device when you access a website or its servers, and our computers identify your Device by its Device Identifier. We may use a Device Identifier to help diagnose problems with our servers, analyze trends, and gather broad demographic information for aggregate use.

Cookies

Cookies enabled on this site include both Necessary and Analytical cookies. Necessary cookies help determine if the user’s browser can display emojis properly. Analytical cookies installed by Google Analytics calculate visitor, session and campaign data and keeps track of site usage for the site’s analytics report. Cookies store information anonymously and assigns a randomly generated number to recognize unique visitors. Analytical cookies store information on how visitors use a website, while also creating an analytics report of the website’s performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously.

To learn how you may be able to reduce the number of cookies you receive from us or delete cookies that have already been installed in your browser’s cookie folder, or prevent tracking activities, please refer to your browser’s tools or help menu or other instructions related to your browser. However, you may refuse to accept cookies to prevent tracking activities. If you do disable or opt out of receiving cookies, please be aware that some features and services on our Platforms may not work properly because we may not be able to recognize and associate you with your account(s). In addition, the offers we provide when you visit us may not be as relevant to you or tailored to your interests.

2. HOW WE USE THE INFORMATION WE COLLECT

We use the information we collect for a variety of purposes such as to respond to your questions and requests for services; communicate with you; tailor content, advertisements, and offers; improve the sites usability; comply with license obligations; and for purposes disclosed previously or elsewhere with your consent. We may also collect anonymized location-based information for the purpose of understanding our audience better.

3. SHARING OF INFORMATION

Except as described in this Online Privacy Notice or in our customer privacy notices and other privacy notices, we will not provide any of your Personal Information to any third parties without your consent. We may also share your information as disclosed at the time you provide your information. Examples of how we share information include:

Third Parties Providing Services. We may share your Personal Information with third parties that perform functions on our behalf (or on behalf of our partners) such as:

• Agents, brokers and others who provide our products and services to you
• Our affiliated companies, such as insurance or investment companies, insurance agencies or broker-dealers
• Nonaffiliated companies in order to perform standard business functions on our behalf including those related to processing transactions you request or authorize, or maintaining your account or policy; service providers that host or operate our Platforms, analyze data, process transactions and payments, fulfill orders, or provide customer service; advertisers (including but not limited to ad platforms and networks, social media platforms, and cookie and other online technology providers that facilitate advertising).
• Other financial institutions with whom we may jointly market products, if permitted in your state.

Your Agreement to Have Your Personal Information Shared. In addition to the data sharing described above, while on our Platforms, you may also have the opportunity to opt-in to receive information and/or marketing offers from third parties regarding third party products or services or to otherwise consent to the sharing of your information with a third party. If you agree to have your Personal Information shared, your Personal Information will be disclosed to the third party and the Personal Information you disclose will be subject to the privacy policy and business practices of that third party.

Business Transfers. We may share your Personal Information with other entities and our affiliates primarily for business and operational purposes. In the event that we are involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction.

Legal Disclosure. We may transfer and disclose your information to law enforcement, government agencies, and other third parties to comply with a legal obligation; or when we believe in good faith that the law or a governmental authority requires such disclosure; to verify or enforce our Terms of Use or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect our rights or property or security of third parties, visitors to our Platforms or the public.

Aggregate Data: We may share aggregate data with third parties.

4. INFORMATION WE RECEIVE FROM THIRD PARTIES

We may receive information about you from third parties such as consumer or other reporting agencies; through your interactions with our affiliated companies; from data brokers; and from lead generation or referral partners. In addition, if you are on another website and you opt-in to receive information from us, that website will submit to us your email address and other information about you so that we may contact you as requested. You may also choose to participate in a third party application or feature (such as one of our Facebook (Meta) or LinkedIn profiles or a similar application or feature on a third party website) through which you allow us to collect (or the third party to share) information about you, including Usage Information and Personal Information. Third parties (such as social media companies) may also give you the option to post information about your activities on our Platforms to your profile page to share with others within your network. In addition, we may receive information about you if other users of a third party website give us access to their profiles and you are one of their “connections” or information about you is otherwise accessible through your “connections’” web page, profile page, or similar page on a social networking or other third party website or interactive service. We may supplement the information we collect about you through the Platforms with such information from third parties in order to enhance our ability to serve you, to tailor our content to you and/or to offer you opportunities to purchase products or services that we believe may be of interest to you.

5. YOUR PRIVACY RIGHTS, CHOICE AND ACCESS

You control the Personal Information that you provide to us on the Platforms, but some Personal Information is required by us for you to obtain services from us or for you to use the Platforms. If you choose not to provide us with your Personal Information on the Platforms, you may not be able to take advantage of some of the services we offer or use some functionality on the Platforms. Except as provided above in section 3, we will not share Personal Information collected on the Platforms with third parties without your consent. You may also direct us to stop sending you promotional emails by following the removal instructions in a communication you receive from us. Your opt-out request will be processed within 10 business days of the date on which we receive it.

If you wish to modify, verify, correct, or delete any of your Personal Information collected through the Platforms, you may edit your collected or provided information. In accordance with our routine record keeping, we may delete certain records that contain Personal Information you have submitted through the Platforms. We are under no obligation to store such Personal Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Personal Information. It may not always possible to completely remove or delete all of your information from our databases without some residual data because of backups and other reasons. We will retain your information (including geo-location data) for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your information to provide you services, please contact us. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We do not control certain privacy settings and preferences maintained by our social media partners like Facebook (Meta) and LinkedIn. If you wish to make changes to those settings and preferences, you may do so by visiting the settings page of the appropriate social media site.

6. ADVERTISING

We may use third party ad network providers to help present ads or manage marketing services. We do not share Personal Information with these providers (except as described in Section 3 above or in other circumstances with your permission). Such providers may place and access cookies, pixel tags, or similar technologies on your Device to serve you ads or other content personalized to your interests which they infer from your browsing on the Platforms and other sites you have visited. In doing so, the provider collects or has access to information about you and your device, such as your Usage Information. The use of cookies, pixel tags, or similar technologies by these providers is subject to their own privacy policies, not ours.

7. CHILDREN

The Platforms or related advertisements are not directed to children under 13. We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her Personal Information without the parent/guardian’s consent. If we become aware that we have unknowingly collected personally identifiable information from a child under the age of 13, we will make reasonable efforts to delete such information from our records.

8. SECURITY OF YOUR INFORMATION

We take information security seriously and use certain reasonable security measures to help protect your Personal Information. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Platforms and provide us with your information at your own risk.

9. OTHER SITES

The Platforms may contain links to other sites that we do not own or operate. This includes links from advertisers, sponsors and/or partners that may use our logo(s) as part of a co-branding or co-marketing agreement. We do not control, recommend or endorse, and are not responsible for these sites or their content, products, services or privacy policies or practices. These other sites may send their own cookies to your Device, they may independently collect data or solicit Personal Information and may or may not have their own published privacy policies. You should also independently assess the authenticity of any site which appears or claims that it is one of our Platforms (including those linked to through an email or social networking page).

Remember that any information that you share on other sites is not subject to the provisions of this Online Privacy Notice.

10. CHANGES

We may update this Online Privacy Notice to reflect changes to our information practices.

11. CONTACT US

If you have any questions or concerns about this Online Privacy Notice, the practices of the Platforms, or your experiences with the Platforms, please call us at 270-796-8031.