Disclosures

Privacy Policy

Rev. 12/2010

FACTS

WHAT DOES GARDNER FINANCIAL SERVICES, INC. DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal Law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Social Security number and Date of Birth and other identity verification information.   Investment experience and employment information, risk tolerance, and assets.   Account balances and account holdings When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer’s personal information; the reasons Gardner Financial Services chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information -  such as to process your business transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.  Does Gardner limit this sharing?  Yes.   Can you limit this sharing?  No.

For our marketing purposes— to offer our products and services to you.  Does Gardner Financial Share?  No.   Can you limit this sharing?  We Don’t Share.

For joint marketing with other financial companies - Does Gardner Financial share?  No.  Can you limit this sharing?   We Don’t Share.

For our affiliates’ everyday business purposes— Information about your transactions and experiences?  Does Gardner Financial share?  Yes.  Can you limit this sharing?  No.

For our affiliates’ everyday business purposes— Information about your credit worthiness.  Does Gardner Financial Share?   No.  Can you limit this sharing?   We Don’t share.

For nonaffiliates to market to you  - Does Gardner Financial share?  No.   Can you limit this sharing?  We Don’t Share.

Questions? Call 800-234-1287 or go to www.gardnerfinancialmn.com

Who we are - Who is providing this notice? Gardner Financial Services, Inc.

What we do - How does Gardner Financial protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

Service Provider Oversight and confidentiality agreements, training of all staff, Encryption, fire wall and other technology safeguards.

How does Gardner Financial collect my personal information? We collect your personal information, for example, when you open a brokerage account or seek investment advice, provide account information or open a direct mutual fund account or purchase an annuity.

Why can’t I limit all sharing? Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes— information about your creditworthiness, affiliates from using your information to market to you and sharing for nonaffiliates to market to you.  State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates - Companies related by common ownership or control. They can be financial and nonfinancial companies.  Gardner Advisors, Inc. (an SEC Registered Investment Advisor)

Nonaffiliates - Companies not related by common ownership or control. They can be financial or nonfinancial companies. None

Joint marketing - A formal agreement between nonaffiliated financial companies that together market financial products or services to you. None

The privacy policy of Jeff Schuur, Financial Advisor, is the same as the privacy policy of Gardner Financial Services, Inc.

Disclosure

The information contained in this website is not a complete analysis of every material fact with respect to any market, company, industry, security or investment.  Opinions expressed are subject to change without notice.  Recommendations provided are based on the financial, investment objective and risk tolerance information provided by our clients.  Statements of fact have been obtained from sources considered reliable but no representation is made as to completeness or accuracy.

Nothing communicated in this website should be construed as an offer to buy or sell, or solicitation of an offer to buy or sell any securities.

Jeff Schuur and Gardner Financial Services are not registered in all states, nor in any international jurisdictions.  This information is not to be construed as a solicitation in any such states or juridictions where Jeff Schuur and GFS are not registered.  Any responses received by Jeff Schuur, as a result of this information being available on this website, will be screened to assure compliance with regulations.