Understanding how we handle your personal information.

At Saltiel Wealth Management, the privacy and security of your personal information are important considerations in our client relationships. As independent fiduciary* advisors in Sarasota, Florida, we work to put your interests first—and that commitment extends to how we handle your personal data.

This Privacy Policy explains how we collect, use, protect, and share information when you visit our website (https://saltielwm.com) or engage with our financial planning and investment management services. Whether you’re a high-income professional, small business owner, retiree, or high-net-worth individual seeking financial planning guidance, we work to protect your privacy in accordance with applicable laws and professional standards.

Important: No security system is completely secure, and we cannot guarantee absolute protection of personal information.

If you have questions about this Privacy Policy or how your information is handled, please contact us at (941) 867-7572.

Website Interaction Data

When You Contact Us Through Our Website:

• Name, email address, phone number, and information you provide in contact forms

• Your inquiry details and financial planning interests

• This information helps us respond to your questions and determine how we may assist with your financial planning needs

When You Visit Our Website:

• IP address, browser type, and device information for security and website functionality

• Pages visited and time spent to improve user experience and identify potential issues

• This data helps us maintain website functionality and security

Comments and Engagement

If You Leave Comments on Blog Posts:

• Your name, email address, and comment content

• IP address and browser information to help prevent spam and maintain discussions

• An anonymized version of your email may be shared with Gravatar (Automattic’s service) to display profile pictures if you use one

Important Note: Please avoid uploading images containing location data (EXIF GPS information), as this could be accessible to other website visitors.

Cookies and Website Functionality

Essential Website Cookies:

• Login authentication cookies (if you access protected areas)

• Form data cookies to save your information during the contact process

• These cookies improve your experience and are removed when you close your browser

Marketing and Tracking: We do not use tracking cookies for marketing purposes or share your browsing behavior with advertising networks.

Client Service and Communication

• Responding to your inquiries about financial planning, investment management, or tax planning services

• Scheduling and conducting consultations (virtual or in-person)

• Providing ongoing service and support if we work together

Website Security and Improvement

• Working to protect against spam, fraud, and security threats

• Improving website functionality and user experience

• Complying with legal and regulatory requirements

Financial Services (When We Work Together)

If you become a client, additional privacy protections apply under financial services regulations, including:

• Confidentiality of financial information and planning details according to professional standards

• Secure transmission and storage of documents using industry-standard practices

• Limited sharing only as required by law or with your explicit consent

Important: Privacy protections are subject to legal and regulatory requirements and cannot be absolute.

Third-Party Services

We use select third-party services to provide website functionality and security:

Spam Protection: Comment submissions may be checked through automated spam detection services to help maintain quality discussions.

Email and Communication: Professional email services with encryption and security features for our communications.

Website Hosting: Hosting services with data protection measures appropriate for our website.

Charles Schwab Custody: When managing client investments, assets are held at Charles Schwab with applicable regulatory protections.

Our Data Sharing Practices

What We Don’t Do:

• We don’t sell, rent, or trade your personal information to other companies

• Your information is not added to third-party marketing databases without your consent

• We don’t participate in advertising networks that track your online behavior

Important: Information sharing may be required by law, regulation, or legal process despite our general practices.

How Long We Keep Information

Website Inquiries: Contact form submissions are retained to provide ongoing service and support. You may request removal subject to legal and business requirements.

Comments and Discussions: Blog comments are kept to maintain the continuity of financial discussions for readers.

Client Information: If we work together, client data is retained according to financial services regulations and professional standards, typically seven years after the relationship ends.

Your Privacy Rights

Access and Correction: You can request to see what information we have about you and ask for corrections if needed.

Deletion Requests: You can ask us to delete your information, subject to legal and regulatory requirements.

Communication Preferences: You can opt out of non-essential communications.

Data Portability: You can request a copy of your information in a standard format.

Important: Privacy rights may be subject to legal, regulatory, and business limitations.

Children’s Privacy

Our financial services are designed for adults, and we do not knowingly collect information from children under 13. If we become aware that a child has provided personal information, we will work to delete it promptly.

Website Security

• SSL encryption for data transmission

• Regular security monitoring and updates

• Hosting with appropriate security measures

Financial Services Security

When providing financial planning and investment management services:

• Encrypted communication for sensitive financial information

• Document sharing through professional platforms

• Security practices in compliance with financial industry standards

• Assets held at Charles Schwab with applicable protections

Breach Notification

In the event of a security incident affecting your personal information, we will notify you according to applicable legal requirements and take steps to address the situation.

Important: No security system can guarantee complete protection against all potential threats.

Third-Party Content

Our website may include embedded content from other sites (such as educational videos, market data, or financial calculators). When you interact with this content, those third-party sites may collect information according to their own privacy policies.

External Links

Links to other websites (such as Charles Schwab, regulatory agencies, or educational resources) are provided for convenience. These sites have their own privacy policies, which we encourage you to review.

Important: We cannot control or guarantee the privacy practices of third-party websites.

Financial Services Regulations

As independent fiduciary* advisors, we work to comply with applicable privacy regulations including:

• SEC and state investment advisor regulations

• Financial privacy requirements under federal and state law

• Professional standards for client confidentiality

General Privacy Laws

This Privacy Policy is designed to comply with applicable privacy laws and regulations, and we work to maintain appropriate standards as laws evolve.

Important: Privacy laws vary by jurisdiction and may change over time.

If you have questions about this Privacy Policy, how your information is handled, or want to exercise your privacy rights, please contact us:

Phone: (941) 867-7572

Address: Sarasota, FL 34238

We handle privacy inquiries and will work to respond appropriately to address your concerns.

Financial Services Privacy

For questions specifically related to the privacy of your financial information when using our planning and investment management services, please refer to additional privacy disclosures provided during our client relationship.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will post updates on our website and may notify you of significant changes.

Effective Date: 8/27/2025

Last Updated: 8/27/2025

Important Privacy and Security Disclaimers

*This fiduciary duty applies to our advisory relationships under current registration and does not extend to brokerage transactions, which are governed by different standards.

No Guarantee of Absolute Security: Despite our efforts to protect your personal information, no security system is completely secure, and we cannot guarantee absolute protection against all potential threats, including unauthorized access, data breaches, or other security incidents.

Technology Limitations: Internet-based communications and data storage involve inherent risks including potential interception, unauthorized access, technical failures, and other security vulnerabilities that may affect the privacy and security of your information.

Third-Party Risks: Our website may use third-party services, links, and embedded content that have their own privacy policies and security practices. We cannot control or guarantee the privacy practices of third-party providers.

Legal and Regulatory Requirements: Privacy protections may be subject to legal and regulatory requirements including court orders, subpoenas, regulatory examinations, and other legal processes that may require disclosure of personal information despite our general privacy practices.

Business Operations: Our privacy practices are subject to business operational requirements, technical limitations, and practical considerations that may affect our ability to implement certain privacy protections or respond to certain requests.

Geographic and Jurisdictional Variations: Privacy laws and requirements vary by jurisdiction, and our practices may need to adapt to comply with applicable laws in different locations where we operate or where clients are located.

Data Retention Requirements: Financial services regulations may require retention of certain information for specified periods regardless of deletion requests or privacy preferences.

Communication Security: While we use reasonable security measures for communications, no communication method is completely secure, and sensitive information should be shared with awareness of potential risks.

Client Responsibility: Clients and website users are responsible for maintaining the security of their own devices, internet connections, and account credentials, and for promptly reporting any suspected unauthorized access or security concerns.