Applied Financial Group, Ltd. takes your privacy seriously.

What This Privacy Policy Covers

This policy covers how Applied Financial Group, Ltd. treats personal information that Applied Financial Group, Ltd. collects and receives, including information related to your past use of Applied Financial Group, Ltd. products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.

This policy does not apply to the practices of companies that Applied Financial Group, Ltd. does not own or control, or to people that Applied Financial Group, Ltd. does not employ or manage.

Information Collection and Use

General

Applied Financial Group, Ltd. collects personal information when you register with Applied Financial Group, Ltd., when you use Applied Financial Group, Ltd. products or services, when you visit Applied Financial Group, Ltd. pages or the pages of certain Applied Financial Group, Ltd. partners, and when you enter promotions or sweepstakes. Applied Financial Group, Ltd. may combine information about you that we have with information we obtain from business partners or other companies.

When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests. For some financial products and services we may also ask for your address, Social Security number, and information about your assets. Once you register with Applied Financial Group, Ltd. and sign in to our services, you are not anonymous to us.

Applied Financial Group, Ltd. collects information about your transactions with us, including information about your use of financial products and services that we offer.

Applied Financial Group, Ltd. automatically receives and records information on our server logs from your browser, including your IP address, Applied Financial Group, Ltd. cookie information, and the page you request.

Applied Financial Group, Ltd. uses information for the following general purposes: to customize the content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Information Sharing and Disclosure

Applied Financial Group, Ltd. does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

We might provide the information to trusted partners who work on behalf of or with Applied Financial Group, Ltd. under confidentiality agreements. These companies may use your personal information to help Applied Financial Group, Ltd. communicate with you about offers from Applied Financial Group, Ltd. and our marketing partners. However, these companies do not have any independent right to share this information.

We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;

We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Applied Financial Group, Ltd.'s terms of use, or as otherwise required by law.

We transfer information about you if Applied Financial Group, Ltd. is acquired by or merged with another company. In this event, Applied Financial Group, Ltd. will notify you before information about you is transferred and becomes subject to a different privacy policy.

Cookies

A Web cookie is text information that a Web server page can instruct your browser to write to your browser's cookie file. Many Web sites use cookies to track usage patterns on their site on a page by page basis. The cookie is anonymous unless you give the remote Web site personal information that they may associate with a cookie. For details on how cookies work, see the large colletion of information at Cookie Central.

Applied Financial Group, Ltd. may set and access Applied Financial Group, Ltd. cookies on your computer.

Applied Financial Group, Ltd. may let other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to Applied Financial Group, Ltd.'s cookies.

E-Mail

If you send us e-mail we may share that e-mail with others in the process of deciding who should respond to it. We keep an archive of all messages for RIA compliance and they do get recorded as part of normal system backups.

Server Logs

We keep typical Web server logs that include:

• URL from which request received.
• date and time stamp.
• URL requested.
• file sent.
• browser used.

In the case of search forms, our logs will include the search string that was entered. Errors are also logged. These logs show frequency of requests for Web pages by URL, by time, by country of origin, etc.

Your Account Information

You can edit your Applied Financial Group, Ltd. Account Information, at any time.

We reserve the right to send you certain communications relating to the Applied Financial Group, Ltd. service, such as service announcements, administrative messages and the Applied Financial Group, Ltd. Newsletter, that are considered part of your Applied Financial Group, Ltd. account, without offering you the opportunity to opt-out of receiving them.

You can delete your Applied Financial Group, Ltd. account by visiting our Account Deletion page. Please click here to read about information that might possibly remain in our archived records after your account has been deleted.

Confidentiality and Security

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.

Changes to this Privacy Policy

Applied Financial Group, Ltd. may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your Applied Financial Group, Ltd. account or by placing a prominent notice on our site.

Applied Financial Group, Ltd. Inc.

105 West Adams, Suite 2105
Chicago, IL 60603
Direct Phone (312) 362-1226
Company Phone (312) 362-9903
Fax (312)362-0222