Privacy Policy

Introduction

The Bayer Financial Group, LLC ("BFG," "we," "our," or "us") is committed to protecting your privacy and the confidentiality of your personal and financial information. This Privacy Policy describes how we collect, use, disclose, and safeguard information obtained through our website at bayerfinancialgroup.com and through our financial planning and advisory services.

BFG operates as an independent financial advisory firm. Securities and Advisory Services are offered through Harbour Investments, Inc., Member FINRA/SIPC. As a registered investment advisor representative and broker-dealer representative, BFG is subject to federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and its implementing regulation, Regulation S-P, promulgated by the Securities and Exchange Commission (SEC).

By using this website or engaging BFG's services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the terms of this policy, please discontinue use of our website and services.

Information We Collect

Information You Provide Directly

When you contact BFG by phone or email, request a consultation, or engage our services, we may collect the following categories of personal information:

• Contact information, including your name, email address, phone number, and mailing address
• Financial information you voluntarily provide, including information about your assets, income, investment accounts, retirement accounts, insurance policies, and tax situation
• Employment information, including your employer, occupation, and employment status
• Personal information relevant to financial planning, including age, date of birth, family composition, and estate planning documents
• Information about your financial goals, risk tolerance, time horizon, and investment preferences
• Communications you send to us, including emails and other inquiries

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• Your IP address and general geographic location
• Browser type and operating system
• Pages viewed and time spent on our website
• Referring website or source
• Device type and screen resolution

How We Use Your Information

BFG uses the information we collect for the following purposes:

To Provide Financial Advisory Services

• Developing personalized financial plans, investment recommendations, and retirement strategies
• Analyzing your financial situation, goals, risk tolerance, and time horizon
• Processing and executing investment transactions on your behalf where applicable
• Maintaining accurate client records as required by regulatory obligations
• Communicating with you regarding your accounts, plan reviews, and relevant financial matters

To Operate and Improve Our Website

• Responding to inquiries received by phone or email
• Scheduling consultations and managing client communications
• Understanding how visitors use our website in order to improve content and user experience
• Detecting and preventing fraudulent or unauthorized activity

To Comply with Legal and Regulatory Obligations

• Meeting recordkeeping requirements under FINRA rules and SEC regulations
• Responding to lawful requests from regulatory authorities
• Complying with anti-money laundering (AML) requirements and Know Your Customer (KYC) obligations
• Meeting tax reporting obligations and other applicable legal requirements

Sharing and Disclosure of Information

BFG does not sell your personal information to third parties. We do not share your personal or financial information with third parties for their own marketing purposes. We may share your information only in the following limited circumstances:

Service Providers and Affiliates

We may share information with carefully selected third-party service providers who assist us in operating our business and delivering services to you, including:

• Harbour Investments, Inc. — our broker-dealer, through which securities transactions are facilitated and certain account records are maintained
• Account custodians — third-party custodians who hold client assets on your behalf
• Cloudflare — a content delivery and security service that may process technical data related to website traffic

The website includes an inquiry-form layout, but production form processing is not currently configured. Information entered into that form is not currently routed to BFG. Please contact the office by phone or email, and do not enter sensitive financial credentials into the website form.

All service providers with whom we share information are contractually required to maintain the confidentiality of your information and to use it only for the purposes for which it was disclosed.

Legal and Regulatory Disclosure

We may disclose your information when required to do so by law, regulation, court order, or at the request of a regulatory authority with appropriate jurisdiction, including FINRA, the SEC, or applicable state securities regulators.

Third-Party Content

Our website embeds video content hosted on YouTube (Google LLC). When you interact with embedded YouTube video players, YouTube may collect information subject to Google's Privacy Policy, available at policies.google.com/privacy. BFG does not control and is not responsible for data collected by YouTube or Google.

Data Security

BFG maintains physical, electronic, and procedural safeguards designed to protect your personal and financial information against unauthorized access, use, or disclosure. These safeguards include:

• Encryption of data in transit using industry-standard TLS/SSL protocols
• Restricted access to client information on a need-to-know basis
• Regular review of our information collection, storage, and processing practices
• Secure document destruction procedures for physical records
• Employee training on privacy and data security obligations

While we take reasonable steps to protect your information, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security of your information.

If you believe your information has been compromised or that unauthorized activity has occurred in connection with your account, please contact us immediately at bfg2@bayerfinancialgroup.com or (937) 432-6585.

Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience and to understand how visitors interact with our content. Cookies are small data files stored on your device when you visit a website.

We use the following types of cookies:

• Strictly necessary cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Used to understand how visitors interact with our website in aggregate and anonymous form. No personally identifiable information is collected through these cookies.

Most web browsers allow you to control cookies through their settings. Disabling cookies may affect the functionality of our website. We do not use cookies for advertising purposes or to track your activity across other websites.

Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information. These may include:

• Right to access: The right to request information about what personal data we hold about you
• Right to correction: The right to request correction of inaccurate personal information
• Right to deletion: The right to request deletion of your personal information, subject to our legal and regulatory recordkeeping obligations
• Right to opt out of sale: BFG does not sell your personal information. No opt-out is necessary.

To exercise any of your privacy rights or to submit a request, please contact us at bfg2@bayerfinancialgroup.com. We will respond to verifiable requests within the timeframes required by applicable law.

Opt-Out of Marketing Communications

If you have subscribed to our newsletter or other marketing communications, you may opt out at any time by clicking the "unsubscribe" link in any marketing email or by contacting us directly. Note that opting out of marketing communications will not affect our ability to send you communications regarding your accounts or services.

Retention of Information

BFG retains personal and financial information for as long as necessary to provide services to you, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. As a registered broker-dealer representative, BFG is subject to FINRA recordkeeping rules that require retention of certain client records for specified periods — in some cases up to six years or longer.

When information is no longer required for these purposes, we will securely destroy or anonymize it in accordance with our data retention policies and applicable regulations.

Children's Privacy

Our website and financial services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.

Links to Third-Party Websites

Our website may contain links to third-party websites, including FINRA BrokerCheck, SIPC, and other financial regulatory resources. BFG is not responsible for the privacy practices or content of any third-party websites. We encourage you to review the privacy policies of any third-party website you visit.

Changes to This Privacy Policy

BFG reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

Your continued use of our website or services following any changes to this Privacy Policy constitutes your acceptance of those changes.

Contact Us Regarding Privacy

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: