Privacy Policy
Effective Date: June 13 2022
We respect your right to privacy and have put in place security measures for your personal data, along with ensuring your personal data is managed in accordance with applicable data privacy regulations.
This Privacy Policy governs the way Mosaic Retirement Planning collects, uses, maintains and discloses information collected from users of the www.mosaicretirementplanning.com website.
This Privacy Policy applies to the site and all products and services offered by Mosaic Retirement Planning. This Privacy Policy explains what information we collect through the website, when we collect it, how we use it, how it is secured and your rights in relation to your personal data.
1. WHAT INFORMATION WE COLLECT
Information You Provide
We may collect personal identification information from users in a variety of ways, including, but not limited to, when users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form and in connection with other activities, services, features or resources we make available on our site. Users may be asked for, as appropriate, name, email address, mailing address and phone number. Users may, however, visit our site anonymously. We will collect personal identification information from users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain site-related activities.
Information Collected Automatically
In addition to the information you provide to us directly, we may collect information about your use of the services. For example, we may collect:
- Device information: such as your hardware model, IP address, other unique device identifiers, operating system version and settings of the device you use to access the services.
- Usage information: such as information about the services you use, the time and duration of your use of the services and other information about your interaction with content offered through a service, and any information stored in cookies and similar technologies that we have set on your device.
- Location information: such as your computer’s IP address, your mobile device’s GPS signal or information about nearby Wi-Fi access points and cell towers that may be transmitted to us when you use the services.
Information From Other Sources
We may collect information, including personal data, from third parties and sources, such as our partners, advertisers and integrated services. If we associate or combine information from other sources with personal data that we collect through the site, we will treat this information as personal data in accordance with this policy.
2. HOW WE USE THE INFORMATION WE COLLECT
We use the information we collect for a variety of ways in providing our services, including the following:
Operations
In the course of providing the services, we may collect information on our users’ demographics, interests and behavior and analyze that data. We do this to better understand and serve our users, and to improve our products and services.
Improvements To The Website & Personalized User Experience
We use information to understand and analyze the preferences and user behavior of visitors to this website. This allows us to improve the functionality of the service we provide and develop new services and features. All data used for this purpose is processed in an anonymized form. We may use information in the aggregate to understand how our users as a group use the services and resources provided on our site.
Communications
We may use contact information to contact users of the website for administrative purposes, and with updates relating to the products and services we offer. We do send periodic emails and your email address may be used to send you information and updates pertaining to your needs for services you may be interested in. All our emails use common email best practices and are CAN SPAM compliant. You have the ability to opt out of any promotional communication as per the section below, under ‘Your Rights’.
Web Cookies & Tracking Technology
Our site may use "cookies" to enhance the user experience. A user's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. The user may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the site may not function properly.
We may also use your location information to facilitate the delivery of targeted ads, promotions and offers to you, on behalf of ourselves, select business partners and advertisers, on and off the services.
This helps us to personalize our service, including:
- Remembering a user’s information inputted on the website in previous visits, so that the user will not have to re-enter the information during subsequent visits.
- Providing personalized advertisements, content and information.
- Monitoring and analyzing the effectiveness of the website and third-party marketing activities.
- Monitoring aggregate site usage metrics such as total number of visitors to the website or pages viewed.
- Tracking your entries and submissions on the website.
3. HOW LONG WE HOLD YOUR DATA
We will only hold your information for as long as is necessary for the purposes set out in this Privacy Policy. We may also retain log files for analyzation purposes—these log files are generally retained for a short period of time, except in cases where the information is used for website security, improving the website functionality, and in cases in which we are legally obligated to retain information for longer time periods.
4. HOW WE PROTECT YOUR DATA
FOR WEBSITES WITH SSL CERTS
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our site.
Sensitive and private data exchange between the site and its users happens over a SSL-secured communication channel and is encrypted and protected with digital signatures.
FOR WEBSITES WITHOUT SSL CERTS
We take security very seriously and are committed to keeping your information safe. While we endeavor to ensure the security of our systems and the information we hold; no service is guaranteed to be completely secure. If you have any concern that your personal information has been put at risk, please get in touch right away.
5. WHEN YOUR INFORMATION IS SHARED WITH OTHERS
We do not sell or rent personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. In addition, we may share personal information with trusted partners, when a user opts-in to a partner offer. We may use third-party service providers to help us operate our business and the site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes if you have given us your permission.
6. YOUR RIGHTS
You have the right to request a copy of the information we hold on you, ask us to correct, delete or only use your information for certain purposes and you have the right to change your mind at any time and ask us to stop using your information. For example, unsubscribing to marketing emails or opting out of cookies.
The exceptions to these rights include: when access to personal data would reveal personal information about another individual, or if we are legally prevented from disclosing such information. In addition, we may retain data even if you withdraw your consent, where we can demonstrate that we have a legal requirement to process your data.
7. LINKS TO OTHER WEBSITES
This website may contain links to other websites which are outside of our control and, as such, are not covered by this Privacy Policy. If you access another website via a link on this site, the operators of those sites may collect your information in accordance with their own privacy policies. You will need to read the Privacy Policy on that website to find out if/how they collect and/or use your information.
8. CHANGES TO THE TERMS OF THIS PRIVACY POLICY
Mosaic Retirement Planning has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and become aware of modifications.
9. HOW TO CONTACT US
If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at:
By mail:
Mosaic Retirement Services
7200 S. Alton Way,
Suite B290
Centennial, CO 80112
By phone:
(720) 617-4400
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Investment advisory services offered through CreativeOne Wealth, LLC a Registered Investment Adviser. CreativeOne Wealth, LLC and Mosaic Retirement Planning, LLC are unaffiliated entities.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19144 - 2019/8/15
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
*This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 12/12/23 through 7/9/24. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2435 Denver-area wealth managers were considered for the award; 224 (9% of candidates) were named 2024 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2023: 2,580, 247, 10%, 10/1/23, 12/12/22 - 6/30/23; 2022: 2132, 235, 11%, 10/1/22, 1/17/22 - 7/15/22; 2021: 2158, 206, 10%, 10/1/21, 1/4/21 - 7/30/21; 2020: 2172, 213, 10%, 10/1/20, 1/20/20 - 8/14/20; 2019: 2146, 262, 12%, 10/1/19, 1/21/19 - 8/23/19; 2018: 2255, 267, 12%, 10/1/18, 1/18/18 - 8/21/18; 2017: 1716, 287, 17%, 10/1/17, 1/18/17 - 8/9/17; 2016: 1552, 515, 33%, 9/1/16, 2/23/16 - 8/26/16; 2015: 3008, 517, 17%, 10/1/15, 2/19/15 - 8/17/15; 2014: 4385, 528, 12%, 10/1/14, 2/19/13 - 8/17/13; 2013: 2083, 607, 29%, 10/1/13, 2/19/12 - 8/17/12; 2012: 1965, 611, 31%, 10/1/12, 2/19/11 - 8/17/11. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.