KG Financial Privacy Policy
Effective Date: January 1, 2025
1. Introduction
KG Financial (“we,” “us,” or “our”) values your privacy and is committed to protecting the confidentiality of your personal and financial information. This Privacy Policy describes how we collect, use, share, and protect client data in connection with our financial advisory, planning, and consulting services.
By engaging with KG Financial or using our website, you consent to the practices described in this Privacy Policy.
2. Information We Collect
We collect personal and financial information necessary to provide financial planning, advisory, and insurance services. This may include:
Identification information: name, address, date of birth, Social Security number, or tax ID.
Contact information: email address, phone number, and mailing address.
Financial data: account numbers, balances, income sources, investment holdings, and tax documentation.
Employment and demographic data: occupation, employer, and business ownership details.
Transaction history: services requested, contributions, policy or account funding activity.
Technical data: information collected through our website or communications (IP address, browser type, session data).
3. How We Use Your Information
We use your information solely for legitimate business and compliance purposes, including to:
Deliver financial planning, investment, and insurance services.
Evaluate eligibility for specific products or strategies.
Communicate with you regarding your account, applications, or ongoing service.
Fulfill regulatory, auditing, and legal obligations.
Protect against unauthorized access, fraud, or misuse.
We do not sell or rent personal information.
4. Information Sharing and Disclosure
KG Financial may share your information only in the following limited situations:
With affiliated and third-party service providers who perform operational or compliance functions on our behalf under strict confidentiality agreements (e.g., custodians, compliance vendors, technology providers).
With your consent, when sharing information with attorneys, accountants, or other professionals assisting in your financial plan.
As required by law or regulation, including disclosures to regulators or auditors.
As part of a business transition, such as a merger or sale, where confidentiality is maintained.
You may request that we limit sharing with non-affiliated third parties to the extent permitted by law.
5. Safeguarding and Security
We employ administrative, technical, and physical security measures designed to protect your personal information from unauthorized access or disclosure. These include:
Encrypted data storage and secure document transmission.
Access controls and employee confidentiality agreements.
Regular system monitoring and compliance audits.
Secure data destruction when retention is no longer necessary.
If a data breach occurs that may affect you, KG Financial will notify you as required by applicable law.
6. Data Retention
We retain client records for as long as required by federal and state regulations, or as necessary to fulfill our business obligations. Once the retention period expires, we securely delete or anonymize data.
7. Your Rights and Choices
Depending on your jurisdiction, you may have certain rights regarding your personal data, including:
Access to the information we hold about you.
The right to request corrections to inaccurate data.
The ability to opt out of certain disclosures to non-affiliated third parties.
The right to withdraw consent for non-essential data use (where applicable).
To exercise these rights, please contact us using the information below.
8. Children’s Privacy
Our services are intended for adults. We do not knowingly collect or maintain information from anyone under the age of 18.
9. Changes to This Policy
We may update this Privacy Policy periodically to reflect legal, operational, or procedural changes. Any updates will be posted on our website with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.