Privacy Policy

Vermillion Financial Advisors, Inc. 

The purpose of this Privacy Policy is to summarize the Gramm-Leach-Bliley Act (“GLB Act”) and other federal and state regulations that have established privacy standards for the financial services industry.  Although these standards are consistent with privacy policies and practices Vermillion Financial Advisors, Inc. (Vermillion) has had in place for years, the law requires VERMILLION to take specific steps to notify CLIENT about VERMILLION’s privacy practices. 

VERMILLION may occasionally amend this Privacy Policy at any time. By continuing to use VERMILLION’s website, you agree to the terms, and any amended terms, of the Privacy Policy. 

Use of Information 

VERMILLION collects and uses CLIENT information to conduct regular business and to administer, manage, and provide services for CLIENT accounts. To perform these services, VERMILLION must have access to CLIENT information within the firm, and provide access to nonaffiliated companies with whom VERMILLION has entered into agreements. 

VERMILLION collects or develops the following types of information: 

  • Information about the CLIENT as reported to VERMILLION on applications, forms, or in communications to VERMILLION or by other means. 
  • Information about the CLIENT’s transactions, as implemented by VERMILLION or others 
  • Information about the CLIENT’s financial plans, analyses, or investment advisory services as developed by VERMILLION on the CLIENT’s behalf. 

Commitment to Privacy & Security 

VERMILLION is committed to safeguarding the confidential information of the CLIENT. VERMILLION holds all personal information provided to VERMILLION in the strictest confidence.  These records include all personal information that VERMILLION collects from the CLIENT in connection with any of the services provided by VERMILLION.  VERMILLION has never disclosed information to nonaffiliated third parties, except as permitted by law, and does not anticipate doing so in the future.  If VERMILLION were to anticipate such a change in policy, VERMILLION would be prohibited under the law from doing so without advising the CLIENT first.  VERMILLION uses health and financial information that the CLIENT provides VERMILLION to help meet the CLIENT’s personal financial goals while guarding against any real or perceived infringements of the CLIENT’s rights of privacy.  VERMILLION’s policy with respect to personal information about the CLIENT is listed below. 

  • VERMILLION limits employee and professional access to information to only those who have a business or professional reason for knowing, and only to nonaffiliated parties as permitted by law.  (For example, federal regulations permit VERMILLION to share a limited amount of information about CLIENT with a brokerage firm in order to execute securities transactions on CLIENT’s behalf, or so that VERMILLION can discuss CLIENT’s financial situation with CLIENT’s accountant or lawyer.) 
  • VERMILLION maintains a secure office and computer environment to ensure that CLIENT’s information is not placed at unreasonable risk. 
  • The categories of nonpublic personal information that VERMILLION collects from a CLIENT depends upon the scope of the CLIENT engagement.  It will include information about CLIENT’s personal finances, information about CLIENT’s health to the extent that it is needed in the planning process, information about transactions between CLIENT and third parties, and information from consumer reporting agencies. 
  • For unaffiliated third parties that require access to CLIENT’s personal information, including financial service companies, consultants, and auditors, VERMILLION requests strict confidentiality in VERMILLION’s agreements with them and expects them to keep this information private.  VERMILLION utilizes its best efforts to influence other firms with whom VERMILLION does business to restrict the use of CLIENT’s information. Federal and state regulators also may review VERMILLION’s records as permitted under law. 
  • VERMILLION does not provide CLIENT’s personally identifiable information to mailing list vendors or solicitors for any purpose. 

VERMILLION may share the following types of information with nonaffiliated companies subject to its agreements with those companies: 

  • Information VERMILLION receives from the CLIENT on applications.
  • Information about CLIENT’s transactions with VERMILLION or others. 
  • Information about CLIENT’s financial products and services transactions with VERMILLION. 

Personally identifiable information about CLIENT will be maintained during the time CLIENT is a CLIENT, and for the required time thereafter that such records are required to be maintained by federal and state securities laws and consistent with the College for Financial Planning Board Code of Ethics and Professional Responsibility. After this required period of record retention, VERMILLION will destroy all such information. 

Child Use Prohibited 

VERMILLION’s website is not directed to children under the age of 18. By using our website, you represent and warrant that you are at least 18 years old. VERMILLION does not knowingly collect or retain personally identifiable information or nonpublic information from children under the age of 18 through our website. VERMILLION may process nonpublic information on a child’s behalf with permission from the child’s parent or guardian. 

If VERMILLION has unintentionally collected any nonpublic information on our website from a person under the age of 18, you may request removal of that nonpublic information by reaching out to VERMILLION at [email protected], Please be aware that submitting a request does not ensure complete or comprehensive removal of the content or information and that there may be circumstances in which the law does not require or allow removal even if requested. 

Mobile Communications 

Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes. 

SMS Terms & Conditions

1. SMS Consent Communication:

Mobile Opt in, SMS Consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes. 

2. Types of SMS Communications: 

If you have consented to receive text messages from Vermillion, you may receive messages related to the following: 

  • Appointment reminders 
  • Follow-up messages  

Example: “Hello, this is a friendly reminder of your upcoming appointment with [Name] at [Location] on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Vermillion at any time.” 

3. Message Frequency:

Message frequency may vary depending on the type of communication and meeting frequency you select with your advisor. 

4. Potential Fees for SMS Messaging:

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally. 

5. Opt-In Method: 

You may opt in to receive SMS messages from Vermillion in the following ways: 

  • Verbally, during a conversation 
  • By submitting an online form 
  • By Calling our Office 

6. Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list. 

7. Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us by emailing [email protected] 

  • Additional Options: 
  • If you do not wish to receive SMS messages, you can choose not to submit our online form and call or email us directly. 

8. Standard Messaging Disclosures: 

  • Message and data rates may apply. 
  • You can opt out at any time by texting “STOP.” 
  • For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages. 
  • Message frequency may vary