Disclosures
Ruiz Financial Group, LLC may only transact business in states where it is properly registered or is otherwise exempt or excluded from registration requirements.
Registration as an investment adviser does not imply a certain level of skill or training.
The information on this website is provided for general informational and educational purposes only and does not constitute investment, legal, or tax advice. Nothing on this website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or investment advisory service in any jurisdiction where such an offer or solicitation would be unlawful.
Information on this website is believed to be from reliable sources; however, we make no representation as to its accuracy or completeness. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. All investing involves risk, including the potential loss of principal, and there is no guarantee that any investment strategy will achieve its objectives.
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and the CFP® logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Certified Private Wealth Advisor® (CPWA®) certification is issued by the Investments & Wealth Institute.
Privacy Policy
Ruiz Financial Group, LLC (also referred to as “Firm,” “we,” “our,” and “us”) is committed to safeguarding the personal information of our clients and prospective clients (also referred to as “you” and “your”) that we obtain in connection with providing advisory services, as described in this Privacy Policy (“Policy”).
We protect the security and confidentiality of nonpublic personal information (“NPI”) we maintain and implement administrative, technical, and physical safeguards designed to ensure that such information is used only for appropriate business purposes related to providing, administering, and servicing our relationship with you.
We do not sell your NPI. We do not disclose your NPI to nonaffiliated third parties except as permitted or required by law, including for ordinary business purposes associated with servicing your account, or as you authorize.
Federal and state laws and regulations require registered investment advisers (“RIAs”) to provide this notice describing how we collect, share, and protect your NPI. In certain circumstances, you may have the right to limit certain disclosures of NPI to nonaffiliated third parties (for example, when information is shared for certain marketing purposes).
We provide an initial privacy notice at or before establishing a customer relationship and provide annual privacy notices as required by applicable law.
- Name, address, telephone number(s), and email address(es)
- Date of birth
- Social Security number or taxpayer identification number
- Government-issued identification information (e.g., driver’s license number)
- Employment and income information (including income and expenses)
- Assets, liabilities, and net worth information
- Account numbers and account information (including at other institutions you disclose to us)
- Investment activity, experience, objectives, and risk tolerance information
What Information We Collect From Other Sources (as applicable)
- Custodial, brokerage, and advisory agreements
- Account applications, forms, and investment questionnaires
- Transactional information with us, custodians, or other financial institutions
- Information from consumer reporting agencies (if used for identity verification or fraud prevention)
- Other information needed to service your account or comply with legal/regulatory obligations
How We Protect Your Information
To safeguard your NPI from unauthorized access and use, we maintain administrative, technical, and physical security measures. These measures may include (as appropriate) secure access controls, encryption, multifactor authentication, secure file storage, vendor due diligence and oversight, employee training, and a secure office environment.
We require third parties that assist us in providing services to protect the information they receive from us and to use it only for the purposes for which it was disclosed.
We maintain written policies and procedures designed to address reasonably foreseeable internal and external risks to customer information. Consistent with applicable law, we may provide affected individuals notice of certain incidents involving unauthorized access to or use of sensitive customer information.
How We Share Your Information
We may share your NPI as described below. We do not share your NPI with nonaffiliated third parties for their own marketing purposes.
| Reason We May Share Your NPI | Do we share? | Can you limit? |
|---|---|---|
| For everyday business purposes, such as processing transactions, maintaining accounts, responding to court orders and legal investigations, or reporting to regulators | Yes | No |
| For our service providers and professional advisers, such as custodians, broker-dealers, technology vendors, compliance consultants, auditors, and attorneys, when necessary to provide services to you | Yes | No |
| For fraud prevention and identity verification (including, as applicable, with consumer reporting agencies) | Yes | No |
| For marketing to you by us (not by nonaffiliated third parties) | No (not shared with nonaffiliated third parties for their own marketing) | Not applicable |
| With persons you authorize, such as your attorney, CPA, family members, or other designated representatives, based on your written instructions | Yes | Yes (you may revoke or change in writing) |
Information About Former Clients
We do not disclose NPI about former clients to nonaffiliated third parties except as permitted or required by law (for example, for tax reporting, regulatory inquiries, or to resolve disputes).
Changes to This Privacy Policy
We may revise this Policy from time to time. If we make a material change to our privacy practices, we will provide you with a revised notice as required by law. We will not change our privacy practices in a way that is inconsistent with this notice without providing any notice and choices required by applicable law.
Questions
If you have questions or concerns about this Policy, or you would like to revoke or change an authorization to share information with an authorized person, please contact us at info@ruizfinancialgroup.com or call us at (419) 548-0734 and ask to speak with the Compliance Department.
SMS Privacy Policy
Text message opt-in data and consent are not shared with any third parties (including subsidiaries and affiliates). If you wish to be removed from receiving future communications, text STOP to opt out. Once you reply STOP, we will send a message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, text START to our number, and we will start sending SMS messages to you again.
Ruiz Financial Group SMS Terms & Conditions
- Brand Name: Ruiz Financial Group
- Program Description: Subscribers can expect to receive Customer Care and Account Notification.
- Frequency: Message frequency will vary.
- Cost: As always, message and data rates may apply for any messages exchanged with this number. If you have any questions about your text or data plan, contact your phone provider.
- Interruption: Carriers are not liable for delayed or undelivered messages.
- Opt-out: You can cancel SMS service at any time. Just reply STOP. Once you reply STOP to us, we will send a message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
- Help: If you are experiencing issues with the messaging program you can reply with the word HELP for more assistance, or you can get help directly at clientservice@ruizfinancialgroup.com.
- Privacy: If you have any questions regarding privacy, please read our SMS Privacy Policy above this section.