By using the Royal American Financial Advisors, LLC (“Royal American”) website or social media landing pages, you agree to be bound by these Terms and Conditions, as amended from time to time. Your continued use of the Royal American website and/or social media landing pages constitutes acceptance of these Terms of Use and any amendments. If you do not agree with Royal American’s website’s Terms of Use, please do not use the Royal American website, or access our social media pages.

Royal American makes no representations that this website, the information provided on it, the server that makes the website available, or any postings, are free of viruses or other harmful components. To the fullest extent allowed by applicable law, Royal American disclaims any liability for damages of any kind, arising out of or in connection with your use of, or inability to use, the website, social media pages, or any third-party links. Royal American disclaims any direct, indirect, incidental, consequential, or other damage arising from the use of this website or, or the contents of the information on this website, including, but not limited to, lost profits or damages resulting from errors, omissions, or other inaccuracies on the website.

Information posted on our website or social media has been obtained from sources believed to be reliable, but we make no guarantees as to its accuracy or completeness. We reserve the right to change, amend, or remove information on our website or social media at any time and without prior notice. Any third-party links, news feeds or market quotes posted on our website or social media are provided only for general information purposes. Royal American does not endorse or necessarily agree with any opinion, outlook, or forecast contained on any third-party linked website, news feed, or reposting. Royal American is not responsible for the content of third-party websites. By clicking on a third-party link, you will leave our website where security and privacy policies may differ from those practiced by our firm.

The information and materials posted on our website or social media pages are provided for general information purposes only. Nothing in our website or social media postings shall be construed as a recommendation or solicitation to buy or an offer to sell a security or any product or service to any person or pursue a particular investment strategy and should not be considered as investment advice or relied upon to make any investment decision. Any performance data presented is for illustration purposes and represents historical performance. Historical performance should not be viewed as representative of future performance or results and there can be no assurance that the future performance of any investment or investment strategy will be profitable or able to achieve historical performance. We do not provide tax or legal advice. You should consult with your attorney, or tax professional regarding your specific legal or tax situation.

The information presented on our website or social media should not be construed as a solicitation in any state or jurisdiction where such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such state or jurisdiction, or which would subject Royal American, its employees, officers, or agents to any registration requirements in such state or jurisdiction.

Royal American’s use of your personal information is in accordance with our privacy policy and is incorporated by reference into these Terms of Use.

Please contact us with any questions or concerns regarding our Terms of Use, please contact us at (951) 679-2065. 

Privacy 

Federal and state privacy laws require Royal American to among other things disclose how we collect, share, and protect our client’s personal information. We do not sell customer lists and will not disclose your information to companies who may want to sell their products or services to you. We do not disclose or share nonpublic information about our clients, prospective, or former clients with unaffiliated third parties, except to deliver contracted services, as described below, or as permitted by law. 

Royal American collects information directly from you, when you apply for, access and use the products and services offered by us and/or our affiliate, business partners, or third-party providers, as applicable. The personal information we collect generally includes:

• Information we receive on client account applications (name, social security or tax identification number, address, income, assets, etc.), and
• Information about transactions with our firm or others (account information, payment history, parties to transactions, etc.). 

This information may be obtained by telephone, electronically, or in person. We may verify the information you provide to us by obtaining additional information from consumer reporting agencies, or other sources. 

We may disclose your personal information to law enforcement and regulatory agencies as required or permitted by law. As necessary to service your account and deliver contracted services to you, we will disclose your personal information to non-affiliated financial institutions or third-party service providers with whom we may have arrangements, such as custodians, brokers, administrators, and other service providers in order to:

• assist us in monitoring, analyzing your financial situation 
• assist with reporting and reviews
• enable them to provide business services to us such as accounting, legal, audit, consulting or other professional services,

Royal American requires that all third parties and business partners protect our client’s personal information and sign confidentiality agreements. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. You may have additional rights under state laws. 

For California Residents: In accordance with California law, we will not share information we collect about you with non-affiliates, except as allowed by law. For example, we may share information with your consent to service or open your accounts. Among our affiliates, we will limit information sharing to the extent required by California law.

We reserve the right to change our Privacy Policy. Please contact us at (951) 679-2065 for further information regarding our Privacy Policy. 

Information Security

We maintain commercially reasonable physical, electronic and procedural safeguards to protect our client’s nonpublic personal information. Employees and agents are trained on their responsibilities to protect our client’s personal information and are required to use secure passwords and encryption to store and transmit client data. Employees may access your information only when it is appropriate to do so, such as to administer products or services. Failure to adhere to our established privacy and security policies may subject employees to disciplinary action, including termination of employment.

Royal American has in place policies and procedures regarding information technology security, maintains appropriate technical and physical safeguards and takes other reasonable precautions to safeguard the confidentiality of sensitive information and internal data. However, despite reasonable precautions, the risk remains that cybersecurity incidents may occur that may result in the inadvertent disclosure of confidential sensitive information to unintended parties, unauthorized access to confidential sensitive information, or operational disruptions by malicious hackers. If such an event were to occur, Royal American will promptly notify the affected parties and take all necessary appropriate actions. 

Business Continuity/Business Disruption

Royal American has established a Business Continuity/Business Disruption plan to manage the effects of a significant business disruption. Although our Business Continuity/Business Disruption plan is reasonably designed to allow us to operate during an emergency business disruption, due to the unpredictability of such events, we have no control over damage to infrastructure that may impact our access to reliable power sources, communication networks, or transportation and affect our ability to resume business operations. Our clients have online access at all times to their cash and securities accounts maintained at their designated custodian financial institutions.

Additional Information 

Royal American is a California registered investment advisor. Registration as an investment advisor does not imply any level of skill or training. Royal American offers a broad range of investment advisory, and insurance products and services. Insurance products offered through Royal American’s affiliate, Royal American Insurance Services, LLC, a California Insurance agency operating under California license #0C91955. Investment advisory and insurance services involve different types of fees, compensation arrangements, rights and responsibilities. For additional information, please refer to Royal American’s Form ADV Part 2A Brochure available at the SEC’s Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov). or by contacting us at (951) 679-2065.