Legal

Privacy Policy

How Lora Beth Zippe Advisory LLC collects, uses, and protects your personal and financial information, GLBA compliant.

Effective Date: January 1, 2025 · Last Reviewed: January 2025

1. Introduction

Lora Beth Zippe Advisory LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in compliance with the Gramm-Leach-Bliley Act (GLBA), applicable state privacy laws, and our own privacy standards. By using our services or website, you consent to the practices described in this policy.

2. Information We Collect

We collect information you provide directly, such as: full name and contact information, financial information including income, assets, investment objectives, and account details; Social Security Number or Tax ID (for account opening and tax reporting); employment information; and other information necessary to provide advisory services. We also collect information automatically when you use our website, including IP addresses, browser type, pages visited, and usage data through cookies and analytics tools.

3. How We Use Your Information

We use your information to: provide and improve investment advisory services; open and maintain advisory accounts; communicate with you about your portfolio and services; comply with legal and regulatory obligations including FINRA and SEC requirements; process transactions and payments; prevent fraud and ensure security; and send informational and marketing communications (with your consent where required).

4. GLBA Notice: Financial Privacy

As a financial institution under the Gramm-Leach-Bliley Act, we are required to provide you with a notice of our privacy practices regarding nonpublic personal information (NPI). We collect NPI directly from you and from third parties with your authorization. We do not share your NPI with nonaffiliated third parties for marketing purposes without your consent. We may share information as permitted by law, including with service providers who assist in our operations under confidentiality agreements.

5. Information Sharing

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share information with: regulatory bodies (FINRA, SEC, IRS) as required by law; custodians and broker-dealers holding client assets; service providers (technology, accounting, legal) under appropriate agreements; and successors in the event of a business transfer.

6. Data Security

We implement administrative, technical, and physical security measures to protect your personal and financial information, including: encrypted data transmission (SSL/TLS); access controls limiting data access to authorized personnel; regular security assessments; and employee training on privacy and data security. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain client records for a minimum of 5 years after the termination of an advisory relationship, as required by SEC and FINRA rules. Other personal information is retained only as long as necessary for the purposes described in this policy or as required by law.

8. Your Rights

You have the right to: access, correct, or update your personal information; request deletion of your information (subject to legal retention requirements); opt out of marketing communications at any time; receive a copy of your advisory records. To exercise these rights, contact us at contact@lorabethzippe.com.

9. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to analyze site traffic, customize user experience, and measure advertising effectiveness. You can control cookie settings through your browser. Disabling cookies may limit some website functionality. We do not sell information collected through cookies to third parties.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify existing clients of material changes via email or written notice. The updated policy will be posted on our website with a revised effective date. Your continued use of our services after notification constitutes acceptance of the updated policy.

12. Contact Us

For privacy-related questions, requests, or complaints, contact us at: Lora Beth Zippe Advisory LLC, Newport Beach, CA · Email: contact@lorabethzippe.com