Privacy Policy

Larson Financial Holdings, LLC and its affiliated companies (collectively, “Larson,” “we,” “us” or “our”) respect your privacy. This Website Privacy Policy explains how we collect, use, disclose and protect personal information when you visit Larson.com, interact with our online content, register for an event or webinar, complete a form, subscribe to communications, or otherwise interact with us online.

This policy applies to Larson.com and other Larson websites that link directly to it. It does not replace a privacy notice, account agreement, product disclosure or other notice provided by a particular Larson company. A separate notice may apply to a specific product, service, employment relationship or business relationship.

1. Financial Privacy Notice

If you apply for or obtain a financial product or service from a Larson company, our collection, use and sharing of certain nonpublic personal information is also governed by federal and state financial privacy laws. Please review our Financial Privacy Notice for information about how participating Larson companies collect, share and protect that information and the choices available to customers.

If this Website Privacy Policy conflicts with a privacy notice delivered to you for a financial product or service, the more specific notice controls for the information and relationship it covers.

2. Personal Information We Collect

The information we collect depends on how you interact with us. We may collect the following categories of information:

Information You Provide

• Identifiers and contact information, such as your name, email address, telephone number, mailing address and online identifiers.
• Professional and employment information, such as your employer, occupation, professional specialty, job title or business interests.
• Financial and service-related information you choose to provide when requesting information or beginning an application or client relationship.
• Communication and preference information, including newsletter subscriptions, event registrations, survey responses, consent choices and records of your communications with us.
• Content you submit through forms, questionnaires, chat tools, email or other interactive features.

Information Collected Automatically

• Device and browser information, such as IP address, browser type, operating system, device type, language and approximate location derived from IP address.
• Internet and network activity, such as pages viewed, links clicked, referring pages, dates and times of visits, session activity and interactions with emails or advertisements.
• Cookie, pixel, tag and similar technology information, including identifiers used to remember preferences, measure traffic, understand campaigns and, where enabled, support advertising.

Information from Other Sources

We may receive information from Larson affiliates, advisors and representatives; service providers; analytics, advertising and social-media platforms; event partners; referral sources; product sponsors; custodians; insurers; public sources; and other parties as permitted by law. We may combine information from these sources with information collected through the Site.

Sensitive Personal Information

Certain services may require sensitive information, such as Social Security numbers, financial account information, government identifiers, precise location, health-related information or account credentials. Do not submit sensitive information through a general website form. When sensitive information is necessary, use the secure method provided by the applicable Larson company. We use sensitive personal information only for reasonably necessary business, security, legal and service purposes, or as otherwise disclosed to you and permitted by law.

3. How We Use Personal Information

We may use personal information to:

• Operate, maintain, secure and improve the Site and our services.
• Respond to questions, requests, applications and service inquiries.
• Schedule consultations and administer events, webinars, surveys and promotions.
• Provide requested content and personalize your online experience.
• Send administrative, transactional and marketing communications in accordance with your choices.
• Measure website traffic, campaign performance, email engagement and audience trends.
• Detect, investigate and prevent fraud, misuse, security incidents and other harmful activity.
• Verify identity, maintain records and comply with legal, regulatory and contractual obligations.
• Support business operations, internal analysis, auditing, quality assurance and corporate transactions.

4. Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, local storage and similar technologies. These technologies may be used for the following purposes:

• Essential: operate the Site, provide security and remember privacy choices.
• Functional: remember settings and improve Site features.
• Analytics: understand traffic, usage, email engagement and performance.
• Advertising: measure campaigns and, where enabled, provide or evaluate advertising based on activity across websites or services.

Depending on the technologies enabled on the Site, analytics, advertising, social-media, and embedded-content providers may collect information about your activities over time and across different websites or online services. You can manage nonessential cookies and similar technologies that are subject to our consent controls through the cookie controls available on the Site. You may also adjust your browser settings, although blocking certain cookies may affect Site functionality.

Our Site supports Global Privacy Control (“GPC”), a browser-based privacy preference signal. When our Site detects

a GPC signal, our cookie consent technology applies that preference to nonessential cookies and similar

technologies managed through our consent controls. We do not require you to create an account or provide information beyond what is necessary to process an opt-out request.

Some browsers offer a Do Not Track setting. Because there is not a uniform industry standard for responding to all Do Not Track signals, the Site may not respond to that setting except where required by law. This does not affect our handling of legally recognized opt-out preference signals.

5. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients, subject to applicable law and any more specific financial privacy notice:

• Larson affiliates, advisors and representatives for service, operational, compliance and permitted marketing purposes.
• Service providers and contractors that support hosting, cybersecurity, customer relationship management, communications, analytics, advertising, payments, document management, events and other business functions.
• Financial institutions, custodians, product sponsors, insurers, professional advisers and transaction participants when needed to provide a requested product or service.
• Government agencies, regulators, law enforcement, courts and other parties when required or permitted by law, or when reasonably necessary to protect rights, safety and security.
• Parties involved in an actual or proposed merger, acquisition, financing, reorganization, sale of assets or similar corporate transaction, subject to appropriate safeguards.
• Other parties at your direction, with your consent, or as otherwise disclosed when the information is collected.

6. Sale, Sharing and Targeted Advertising

Larson does not sell personal information for money. However, some state privacy laws define “sale,” “sharing” or “targeted advertising” broadly. Depending on the technologies enabled on the Site, our disclosure of identifiers and internet activity to analytics or advertising partners may fall within one of those definitions.

Where applicable, you may exercise available opt-out rights through the cookie consent controls available on the Site, through a supported Global Privacy Control signal, or by contacting us using the methods described below. We do not knowingly sell or share the personal information of consumers under age 16.

7. Email, Telephone and Text Communications

You may unsubscribe from marketing emails by using the unsubscribe link in an email. We may continue to send nonmarketing communications, such as account, security, event or service messages.

We send marketing text messages only when the recipient has provided the consent required by law. Consent to marketing texts is not a condition of purchasing a product or service. Message frequency may vary, and message and data rates may apply. Reply STOP to opt out and HELP for help, or follow the instructions provided with the message.

We do not share mobile telephone information, text-message originator opt-in data or text-message consent with third parties or affiliates for their own marketing or promotional purposes. We may disclose such information to service providers that help deliver messages or as required by law.

8. Automated and AI-Enabled Tools

We may use automated or artificial-intelligence-enabled tools to support internal communications, research, drafting, service operations, security and customer support. We use such tools subject to access controls, contractual protections, applicable law and human review appropriate to the purpose. We do not authorize public AI services to use nonpublic customer information to train public models unless separately disclosed and permitted.

9. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this policy, including to provide services, maintain business and regulatory records, resolve disputes, enforce agreements, prevent fraud and satisfy legal obligations. Retention periods vary based on the nature and sensitivity of the information, the relationship involved, legal and regulatory requirements, operational needs and risk. When information is no longer required, we take reasonable steps to delete, destroy or deidentify it in accordance with our retention practices.

10. Security

We maintain administrative, technical and physical safeguards designed to protect personal information. No security measure or method of transmission is completely secure, and we cannot guarantee absolute security. Do not send account credentials, trade instructions, Social Security numbers or other sensitive information through an unsecured website form or ordinary email.

11. Your Privacy Rights

Depending on where you live and subject to legal exceptions, you may have the right to:

• Confirm whether we process your personal information and access or know the information we maintain.
• Correct inaccurate personal information.
• Request deletion of personal information.
• Obtain a portable copy of certain personal information.
• Opt out of sale, sharing, targeted advertising or certain profiling.
• Limit certain uses or disclosures of sensitive personal information.
• Withdraw consent where processing is based on consent.
• Appeal a decision concerning a privacy request, where applicable.

These rights are not absolute. For example, we may retain information needed to provide services, comply with securities, insurance, tax or other recordkeeping requirements, detect fraud, protect legal rights or complete a transaction you requested. Certain information governed by federal financial privacy law may be exempt from some state-law rights.

We generally respond to verifiable California requests to know, access, correct, or delete within 45 days. When reasonably necessary, we may extend the response period once by an additional 45 days and will notify you of the extension and reason for it within the initial response period.

How to submit a request

To exercise an applicable privacy right, call 866-569-2450 and ask for the Compliance Department, email compliancedepartment@larson.com with the subject line “Privacy Request,” or write to the address below. Please describe your request and identify the Larson company with which you interacted, if known.

We may request information reasonably necessary to verify and process your request. Requests will be handled in accordance with applicable law.

12. California Notice at Collection

California law requires additional information about the categories of personal information collected. The table below describes categories we may collect, the purposes for collection and disclosure, and the categories of recipients. We do not necessarily collect every listed category from every person.

Sources include you, your authorized representatives, Larson affiliates and representatives, service providers, analytics and advertising platforms, referral and event partners, product providers, public sources and automatically collected Site activity. We retain each category under the criteria described in Section 9.

California residents may exercise the rights described in Section 11. Larson does not sell personal information for money. Where disclosures of personal information constitute a ‘sale’ or ‘sharing’ under California law, residents may exercise applicable opt-out rights through the methods described in this Policy, including through a supported Global Privacy Control signal where applicable. We use sensitive personal information only for permitted purposes or as otherwise disclosed, and not to infer characteristics where a right to limit would apply, unless a separate notice is provided.

13. Additional State Information

Residents of states with comprehensive privacy laws may have the rights described above, subject to applicability thresholds and exemptions. California residents may also request information about certain disclosures of personal information to third parties for their own direct marketing under California’s Shine the Light law. We do not disclose personal information to third parties for their own direct marketing except as permitted by law and disclosed to you.

Nevada residents may submit a verified request to opt out of a covered sale under Nevada law using the methods in Section 11. Larson does not currently sell covered information as “sale” is defined by Nevada law.

14. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13. If you believe a child has provided personal information through the Site, contact us so we can review and take appropriate action.

15. Third-Party Sites and Services

The Site may link to websites, platforms or services operated by third parties. Their privacy practices are governed by their own notices, not this policy. We encourage you to review those notices before providing personal information.

16. United States Audience

The Site is intended for a United States audience. If you access it from another country, your information may be transferred to and processed in the United States, where privacy laws may differ from those in your location.

17. Changes to This Policy

We may update this policy to reflect changes in our practices, technologies or legal obligations. We will post the revised policy on this page and update the effective date. We may provide additional notice when required by law.

18. Contact Us

Questions, requests and complaints concerning this policy may be directed to:

Larson Financial Holdings, LLC

Attn: Compliance Department

100 North Broadway, Suite 1700

St. Louis, Missouri 63102 

866-569-2450

compliancedepartment@larson.com