Important Disclosure Information & Privacy Policy

IMPORTANT DISCLOSURE INFORMATION
www.KannerFinancialServices.com

KANNER FINANCIAL SERVICES LLC, (“KFS”) is a state registered investment advisor located in Connecticut. KFS and its representatives are in compliance with the current filing requirements imposed upon state registered investment advisors by those states in which KFS maintains clients. KFS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. KFS’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of KFS’s web site on the Internet should not be construed by any consumer and/or prospective client as KFS’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by KFS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of KFS, please contact the SEC or the state securities regulators for those states in which KFS maintains a filing. A copy of KFS’s current written disclosure statement (ADV Part 2) discussing KFS’s business operations, services, and fees is available from KFS upon written request. KFS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to KFS’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by KFS) made reference to directly or indirectly by KFS in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of KFS’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, KFS’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from KFS, or from any other investment professional. KFS is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to KFS’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from KFS, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to KFS’s web site, to release and hold harmless KFS, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from KFS.

KANNER FINANCIAL SERVICES LLC
PRIVACY NOTICE

Kanner Financial Services LLC (referred to as “KFS”), maintains physical, electronic, and procedural safeguards that comply with federal standards to protect its clients’ nonpublic personal information (“information”). Through this policy and its underlying procedures, KFS attempts to secure the confidentiality of customer records and information and protect against anticipated threats or hazards to the security or integrity of customer records and information.

It is the policy of KFS to restrict access to all current and former clients’ information (i.e., information and records pertaining to personal background, investment objectives, financial situation, tax information/returns, investment holdings, account numbers, account balances, etc.) to those employees and affiliated/nonaffiliated entities who need to know that information in order to provide products or services to the client. KFS may disclose the client’s information if KFS is: (1) previously authorized to disclose the information to individuals and/or entities not affiliated with KFS, including, but not limited to the client’s other professional advisors and/or service providers (i.e., attorney, accountant, insurance agent, broker-dealer, investment adviser, account custodian, etc.); (2) required to do so by judicial or regulatory process; or (3) otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations. The disclosure of information contained in any document completed by the client for processing and/or transmittal by KFS in order to facilitate the commencement/continuation/termination of a business relationship between the client and a nonaffiliated third party service provider (i.e., broker-dealer, investment adviser, account custodian, insurance company, etc.), including information contained in any document completed and/or executed by the client for KFS (i.e., advisory agreement, client information form, etc.), shall be deemed as having been automatically authorized by the client with respect to the corresponding nonaffiliated third party service provider.

KFS permits only authorized employees and affiliates who have signed a copy of KFS’s Privacy Policy to have access to client information. Employees violating KFS’s Privacy Policy will be subject to KFS’s disciplinary process. Additionally, whenever KFS hires other organizations to provide services to KFS’s clients, KFS will require them to sign confidentiality agreements and/or the Privacy Policy.

Should you have any questions regarding the above, please contact Geoffrey Kanner at the KFS office.