PRIVACY POLICY

ARF Financial, LLC (ARF) is strongly committed to protecting the privacy of users of our products and services. We want to contribute to a safe and secure Internet environment for everyone.

The purpose of this ARF Financial website privacy policy is to inform you, as a welcome visitor to our website, what kinds of information we may gather about you when you visit our site, how we may use that information, and whether we disclose it to anyone. Please note that this policy applies only to the ARF Financial website and not to other companies? or organizations? websites to which we may link, if any.

Information About All ARF Financial Visitors

In general, our website automatically gathers certain usage information like the numbers and frequency of visitors to our website and its areas, very much like television ratings that tell the networks how many people tuned in to a program. We only use such data in the aggregate. This aggregate data helps us determine to what extent our visitors or customers use parts of the site, so we can improve our site to assure that it is as appealing as we can make it for as many of you as possible.

ARF Financial also collects general information on its website visitors for statistical, security, or other purposes. Such information may include:

ARF Financial uses a cookie to collect this general information on all website visitors. We may use this information in an aggregated, non-personally identifiable, format to assist us in offering the services and features that are of particular interest to visitors and customers. We may also use this information to monitor the security and performance of our site.

We may use standard Internet technology, such as web beacons and other similar technologies, to track your use of our site. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities. Web beacons (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. Unlike cookies, which are stored on the user's computer hard drive, web beacons are embedded invisibly on the web pages (or in email) and are about the size of the period at the end of this sentence. Web beacons may be used to deliver or communicate with cookies, to count users who have visited certain pages and to understand usage patterns. We also may receive an anonymous identification number if you come to our site from an online advertisement displayed on a third-party website.

You may elect to provide us with more specific or personal information, such as when you give us feedback or send us an email requesting additional information. If you provide personal information to us, it is only used internally and in furtherance of the purpose for which it was provided. ARF Financial does not share or sell information collected from website visitors.

ARF Financial reserves the right to monitor and make records of transactions and interchanges made over its networks. You will not necessarily be told (unless the notification is required by law) that a transaction or interchange in which you are participating is being monitored or recorded. Monitoring and recording transactions or interchanges may be initiated, for example, if we suspect a possible breach in security or some other problem that would make it appropriate to monitor or maintain these records. We do not use this information for any improper purposes or distribute it to third parties, except as required or permitted by law.

We may share your personal information with our authorized service providers that perform certain services on our behalf. These services may include processing credit, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting other features offered through our website. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes.

We also may disclose your information: In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us. When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies. In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale.

This Site is a general audience site, and we do not knowingly collect personal information from children under the age of 13.

This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties. Notification of claimed copyright infringement is: Robert Whited, telephone: (888)366-3335 email: rwhited@arffinancial.com.

CONTACTING US

If you have questions regarding this Policy or the practices of ARF, please contact us by e-mail at info@arffinancial.com or by regular mail at ARF Financial LLC, 1300 Concord Terrace, Suite 310, Sunrise, FL 33323, Attention: Chief Technology Officer.

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