Privacy Policy

Terms of Use Agreement

These Terms and Conditions of Use (the "Terms of Use") apply to the website operated by Chalk Money, LLC, located at www.chalkmoney.com, and all associated sites linked to www.chalkmoney.com by Chalk Money, LLC and its affiliates (collectively, the "Site"). The Site is owned by Chalk Money, LLC ("Chalk Money, LLC") and its licensors.

BY USING THIS SITE, YOU CONSENT TO THESE TERMS OF USE. IF YOU DO NOT AGREE, PLEASE DO NOT USE THE SITE.

Chalk Money, LLC reserves the right to modify, update, or remove portions of these Terms of Use at its discretion, at any time. It is your responsibility to review these Terms of Use periodically for changes. Continued use of the Site following any changes will signify your acceptance of those changes. As long as you comply with these Terms of Use, Chalk Money, LLC grants you a limited, non-exclusive, non-transferable license to access and use the Site.

Chalk Money, LLC provides links to third-party websites for your convenience. Accessing these links will direct you away from our website. Chalk Money, LLC is not responsible for any errors or omissions found on third-party sites, nor does it endorse or approve of the information provided. Users who visit third-party websites may be subject to the rules and regulations imposed by those sites and assume full responsibility for their use.

Reproduction, distribution, or disclosure of any content from this website, in whole or in part, without the express written consent of Chalk Money, LLC is prohibited.

Privacy Policy Notice

Chalk Money, LLC offers estate planning, consultation, and advice in an educative and administrative capacity, not to be substituted for legal services. Any implementation is accomplished through proper legal services outside Chalk Money, LLC. We do not provide financial or investment advice. We offer insurance planning, consultation, and advice as a licensed insurance producer NPN 18005247. Through this estate and insurance work, we may collect public and/or nonpublic information to satisfy client engagements. We take your privacy as our client seriously and want you to understand how we safeguard your data. Please review our privacy policy outlined below:

Information We Collect

We gather specific nonpublic information about you ("Customer Information") in order to provide estate and insurance services tailored to your needs.

Customer Information we may collect includes:

• Information you provide through forms or applications, such as personal and household details, income, spending habits, financial goals, investment objectives, and account statements, as well as data regarding employee benefits, retirement plans, wills, trusts, mortgages, and tax returns.

• Identifying details, including your name, age, address, Social Security number, and other contact information.

• Information regarding transactions with us or other parties (e.g., brokers, custodians, or other financial partners).

• Data we obtain from consumer reporting agencies (e.g., credit bureaus) or other third-party sources to provide relevant advice or process service requests.

Safeguarding Your Information

Access to your nonpublic personal information is restricted to those employees who need it to provide you with services. We implement physical, electronic, and procedural safeguards that meet or exceed federal and state standards to ensure the protection of your personal data.

Disclosure of Your Information

We do not share your nonpublic personal information with any third parties except for:

• Parties involved in the execution of transactions and provision of authorized services (e.g., brokers and insurance companies).

• Professionals assessing our compliance with industry standards, such as licensing authorities, regulators, and consultants.

• Legal and financial professionals such as attorneys, accountants, and auditors.

• Where required by law, including in response to subpoenas or other legal requests.

We are authorized to share your personal information with government agencies and third parties in specific situations, such as third parties assisting us with administrative, marketing, or joint marketing efforts. These third parties are prohibited from using the information for any purpose other than providing these services.

Former Clients

If you decide to close your account(s) or become an inactive client, we will continue to adhere to our privacy policies, which may be updated from time to time.

Changes to Our Privacy Policy

Should there be any significant changes to how we use your personal information, we will notify you in writing. If applicable, you will have the option to limit or opt-out of certain disclosures.

Questions

If you have any questions about this privacy notice or how your information is handled, please contact Jay Kadlec at (231) 675-2211.

Updates to This Privacy Policy

Chalk Money, LLC will provide clients with an initial notice of our Privacy Policy when the client relationship begins. We may periodically update this Privacy Policy, and if we plan to use your personal data in a manner that significantly differs from how it was collected, we will inform you before implementing the changes by posting an updated Privacy Policy with a new “Last Updated” date. Chalk Money, LLC will also provide clients with the most current Privacy Policy annually.

We recommend checking our website regularly to stay informed about any updates to this policy and how we are committed to protecting your personal information.

Any Questions?

If you have questions regarding this Privacy Policy or any other disclosures, please refer to the "Contact" section below for how to reach us via email or phone.