Privacy Policy

We value your privacy, and we want to help make your experience with Anders & Anders Financial Group as satisfying and safe as possible. We have established this Privacy Policy to explain how we receive, use and share information you may provide in connection with your access to this Website.

YOUR ACKNOWLEDGEMENT. The Site is intended for use only by individuals over the age of 18 who are accessing the Site from inside the United States. By using the Site or submitting any information to us, you acknowledge that you are over the age of 18, you are in the United States and you consent to our use and sharing of information collected or submitted as described in this Privacy Policy. This Privacy Policy is incorporated into and is subject to the Site’s Terms of Use. By using the Site, you expressly consent to the terms of this Privacy Policy and the information handling practices described herein.

TYPES OF INFORMATION WE COLLECT. In connection with your use of this Site, we may collect both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”). PII includes information such as your name, address, phone number, ZIP code, email address and similar information. Non-PII may include, for example, your IP address, browser type, domain names, access dates and similar information. (PII and Non-PII will be collectively referred to as “Information.”)

COLLECTION OF INFORMATION. We may collect information from you through your voluntary submission to receive offers from the Site or access to certain resources on the Site.

We also may collect information from your browser when you use the Site, using a variety of methods. The Information that we collect with these automated methods may include, for example, your IP address, cookie information, a unique device or user ID, browser type, system type, the content and pages that you access on the Site, and the “referring URL” (i.e., the page from which you navigated to the Site). Websites visited before visiting the Site might place Information within the URL of your browser during a visit to that previous website. We may unintentionally collect that Information as part of referring URL information. We may also use cookies on the Site to recognize you and to store references to you and session validators on your hard drive. We may use passively collected information to administer, operate and improve the Site and our other services and systems, and to provide services and content that are tailored to you. We may combine Non-PII with PII.

If we directly combine any Non-PII with PII, we treat the combined information as PII under this Privacy Policy. Otherwise, we use information collected by passive means in aggregated or other non-personally identifiable forms.

USE AND SHARING OF INFORMATION. We may use the information you provide to us for any purpose, including but not limited to: (1) providing you with materials that you have requested, (2) contacting you for the potential purchase of insurance or other financial products, (3) personalizing our contact with you, (4) operating, providing, improving and maintaining the Site, (5) developing new products and services, (6) preventing abusive and fraudulent use of the Site, (7) sending you administrative messages, content and other services and features in which we believe you may be interested; and for any other administrative and internal business purposes permitted by law.

We may share your Information with third parties that assist us in operating our business and servicing our clients. We may also disclose Information if, in good faith, it is believed that doing so is required by a subpoena or other judicial or administrative order or otherwise required by law. Additionally, we may disclose Information if, in good faith, we deem it appropriate or necessary to prevent violation of the Site’s Terms of Use or our other agreements; take precautions against liability; protect our rights, property, or safety, or of any individual, or the general public; maintain and protect the security and integrity of our services or infrastructure; protect ourselves and our services from fraudulent, abusive or unlawful uses; investigate and defend ourselves against third-party claims or allegations; or assist government enforcement agencies.

PERMISSION TO CONTACT YOU AND YOUR RIGHT TO OPT OUT OF FURTHER CONTACT. Your provision of information to us through the Website will be considered a grant of permission for us to contact you through any means provided (including but not limited to mail, phone, text message, fax, etc.). You have the right to opt out of further promotional contact from us. If, at any time, you desire to be removed from an email mailing list, please send your request to info@andersfg.com or 315 Live Oak Street, New Smyrna Beach, FL 32168. It may take up to 10 days for us to process your request. Please be aware that this opt-out only applies to future messages and that we may still send you messages for administrative purposes as permitted by law.

PROTECTION OF YOUR INFORMATION. We maintain a variety of security measures to protect against the loss, misuse and alteration of Information under our control. Although we make good-faith efforts to maintain the security of such Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any information provided to us.

If we become aware of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing Information to us, you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Site. If you believe that there has been a breach of the Site’s security, please contact us at 386-777-7NSB.

UPDATES TO THIS PRIVACY POLICY. We may update or amend this Privacy Policy at any time. No prior notice of any update or amendment is required, and all updates or amendments are effective upon being posted. We encourage you to periodically review this Privacy Policy to stay informed about our collection, use and disclosure of Information on the Site. Your continued use of the Site constitutes your agreement to this Privacy Policy and any updates.

CONTACTING US. If you have questions about this Privacy Policy, you may contact us at 386-777-7NSB.

Welcome to Anders & Anders Financial Group!

These terms and conditions outline the rules and regulations for the use of Anders | Anders Financial Group's Website, located at https://andersnsb.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Anders & Anders Financial Group if you do not agree to take all of the terms and conditions stated on this page.

Cookies:
The website uses cookies to help personalize your online experience. By accessing Anders & Anders Financial Group, you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License:
Unless otherwise stated, Anders | Anders Financial Group and/or its licensors own the intellectual property rights for all material on Anders & Anders Financial Group. All intellectual property rights are reserved. You may access this from Anders & Anders Financial Group for your own personal use subjected to restrictions set in these terms and conditions.

You must not:
- Copy or republish material from Anders & Anders Financial Group
- Sell, rent, or sub-license material from Anders & Anders Financial Group
- Reproduce, duplicate or copy material from Anders & Anders Financial Group
- Redistribute content from Anders & Anders Financial Group

This Agreement shall begin on the date hereof.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. Anders | Anders Financial Group does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of Anders | Anders Financial Group, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Anders | Anders Financial Group shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Anders | Anders Financial Group reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:
- You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
- The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
- The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.
- The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Anders | Anders Financial Group a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content:
The following organizations may link to our Website without prior written approval:
- Government agencies;
- Search engines;
- News organizations;
- Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
- System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:
- Commonly-known consumer and/or business information sources;
- Dot.com community sites;
- Associations or other groups representing charities;
- Online directory distributors;
- Internet portals;
- Accounting, law, and consulting firms; and
- Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Anders | Anders Financial Group; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Anders | Anders Financial Group. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:
- By use of our corporate name; or
- By use of the uniform resource locator being linked to; or
- Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

No use of Anders | Anders Financial Group's logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability:
We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights:
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website:
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer:
To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
- Limit or exclude our or your liability for death or personal injury;
- Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
- Limit any of our or your liabilities in any way that is not permitted under applicable law; or
- Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

This section applies solely to individuals who reside in the State of California and supplements the information contained in this website’s Privacy Policy.

Categories of Personal Information Collected
Anders | Anders Financial Group may collect personal information directly from individuals or through employer-sponsored benefit programs. This information may include identifiers such as name, contact information, employment-related details, and other information necessary to provide financial, benefits-related, or enrollment services.

Purpose of Collection
Personal information is collected and used solely to provide professional services, including financial consulting, benefits education, enrollment coordination, and related administrative support. Information is not used for unrelated commercial purposes.

Service Provider Role
In many cases, Anders | Anders Financial Group acts as a service provider or contracted service provider under California law, processing information on behalf of an employer, plan sponsor, or affiliated service partner. In such cases, personal information is used only as permitted by the applicable service agreement.

No Sale or Sharing of Personal Information
Anders | Anders Financial Group does not sell or share personal information as defined under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

California Resident Rights
California residents may have the right to:
- Request access to personal information collected about them
- Request correction of inaccurate personal information
- Request deletion of personal information, subject to legal and contractual obligations
- Limit the use of sensitive personal information, where applicable
- Certain requests may need to be submitted through the employer, plan sponsor, or organization that engaged our services.

Submitting a Privacy Request
Requests regarding personal information may be submitted by contacting us through the website’s contact page. We may require verification of identity before responding to a request, consistent with applicable law.

Data Retention
Personal information is retained only for as long as necessary to fulfill service obligations, comply with legal requirements, or as otherwise permitted by law.