IJL Financial Advisors, LLC: Privacy Policy

The Securities and Exchange Commission adopted Regulation S-P requiring all financial institutions the responsibility to “respect the privacy of its customers and protect the security and confidentiality of those customers non-public personal information”. Regarding this policy both current and former account holders are considered customers.

IJL Financial Advisors, LLC makes your privacy our number one priority. We will not sell any of your personal information. It is our pledge to you: We will protect your personal information and respect your wish to keep all information regarding you and your account confidential.

At IJL Financial we value your business; our relationship with you is the greatest asset of our firm. To this end, it is important you carefully read the information in this pamphlet regarding our Privacy Policy. If you should have any questions, please call the number listed below so we may have the opportunity to address them.

1. Gathering Account Information

We are required under a variety of security regulations to gather personal information to open, maintain and service your account. This information will include, but not be limited to, name, address, phone number, Social Security number, and certain financial information regarding you. This information will only be used by us to better service your needs and to help us understand your investment goals.

2. The “Opt Out” Provision

Most firms that enter into third party agreements will ask you if you wish to “opt out” of certain types of information to be shared with these third parties. IJL Financial does not enter into agreements with third parties that would require us to provide you this provision. What does this mean to you? This simply means that you are already Opted Out.

3. The “Opt In” Provision

Since IJL Financial will not share your information, we provide you with the “Opt In” provision. This simply means that if there is information you wish us to share with a third party, e.g., if your applying for a mortgage and wish us to disclose your current account balance to a bank mortgage company, we will do so. But only when you exercise your right to “Opt In” and it is in writing from you.

4. Sharing Information Under Limited Circumstance

• IJL Financial Advisors, LLC is not a self-clearing firm. This means we use a third party to establish your account, process transactions and issue your statements and confirms. This will require us to share information with them to perform these vital functions. However our contractual arrangement does not allow for them to sell or use this information for any purpose other then to provide these services.

• There may be times our firm will enter into contracts to better service your investments needs. (For example a technology company providing software as a tool to help manage your account.) Our contract prohibits them from using any of your personal information and requires them to maintain total confidentiality.

• We may also enter into a “joint venture relationship” with another financial institution that we feel you may have interest in their services. In circumstances such as these, the information we share will be very limited (e.g., name and address). We contract these services to the very highest of standards to ensure the institution will only use this information for the sole purposes of the “joint venture relationship”

• We may provide personal information in matters that is permitted by law. This would be required in situations to cooperate with law enforcement, or security regulators.