Disclaimers and Acceptable Use Policy

Royal American Financial Advisors, LLC / Armored Portfolio Website Policy

This web site is designed to provided general, not specific information about how affluent investors can benefit from certain investment strategies and investment advisory services and is strictly intended for individuals residing in the state of California. State and Federal law restricts assisting you if you are not a resident of California. Nothing in these web-pages shall be construed as offering or disseminating specific financial, retirement, estate, asset protection, tax, or legal advice. We do not offer, or make any recommendations with regard to benefits or otherwise of any type of regulated securities or the value of investing in securities on-line.

Nothing in this entire web site shall be construed as an offer to sell, or a solicitation to buy regulated securities. Simply by viewing this website you do not become a client. Nothing contained in this web site shall be implied or construed as creating a planner/client relationship or investment advisory relationship by virtue of your access to this site and you should not rely on any information contained herein to plan your estate or invest any of your assets. Notwithstanding the afore stated and pursuant to the CFP® Board of Standards Code of Ethics & Professional Responsibility, you will only become a client by mutual agreement, and only after you have executed a Royal American Financial Advisors - Investment Advisory Agreement, investment suitability questionnaire and required new accounts form which after it has been approved will retain our services. Some links within this website may lead to other sites. Royal American Financial Advisors does not necessarily sponsor, endorse or otherwise approve of materials appearing in those sites.

We do not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness or correct sequencing of information contained at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos there from. When you leave this website, you assume total responsibility and risk for use of the site you are linking to.

Email messages may not be secure and confidential. Any confidential communication should be transmitted by telephone, mail or other form of communication known to be secure and confidential.

Internet Communications

1. Responsibility. The CCO shall ensure that the Company's use of the Internet, the World Wide Web, and similar proprietary or common carrier electronic systems (collectively, the "Internet") to distribute information on available products and services, shall comply with all applicable federal and state laws, rules and regulations. The information and procedures contained within this section should be used as a general guideline for reviewing the Company Internet related business practices.

2. Internet and Website Disclosure Requirements. At a minimum, all information distributed via the Internet must meet the following requirements:

a. Internet Communications. Internet communications must contain the following disclosures:

1. The Company only transacts business in states where it is properly registered, or excluded or exempted from registration requirements;

2. Follow-up and individualized responses to persons that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as the case may be, will not be made absent compliance with state investment adviser and investment adviser representative registration requirements, or an applicable exemption or exclusion;

3. If an IAR is identified in the communication, the nature of the IARs affiliation with the Company must be prominently disclosed.

b. Web sites. At a minimum, the Company’s website must contain the following disclosure language:

1. The Company only transacts business in states where it is properly registered, or excluded or exempted from registration requirements.

2. Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

3. Different types of investment involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client’s investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

4. Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have [the] effect of decreasing historical performance results.

c. Links. The CCO will review all links on an annual basis to ensure compliance with the following:

1. The Company’s web site must present all hyperlinks to other sites in an unbiased fashion. It will stay within the context of other links on the site and will not, for example, have any one link displayed any more prominently than other links.

2. The link should be presented in such a manner as to not be confused as being a product or service of the advisory firm itself.

3. The Web site should have an overall disclaimer that nothing on it should be construed as advice.

d. Firewalls. Adequate firewalls must be in place to ensure that, prior to any direct follow-up communication being effected with prospective clients in a particular state, the Company has first registered in that state or has otherwise qualified for an exemption or exclusion from such requirement.

e. Information. Internet communications must not be used to attempt to effect any transaction in securities, or to render personalized investment advice for compensation in any state in which the Company is not properly registered. In such situations, the communication must be limited to the dissemination of general information on products and services.

f. Approval. All Internet communications must be approved, in writing, prior to dissemination by the CCO.


The material available through this site does not constitute an offer to sell or a request to buy investments. All offers must be made only in offering circulars, which should be read carefully regarding any possible risks before investing. Certain investment advisory services are offered by John Borger, CFP® as a Registered Investment Advisor, offering advisory services only in the State of California. As such, these services are strictly intended for individuals residing in California. Please contact us to obtain a copy of Part II ADV pursuant to SEC Rule 206(4)-3.

Royal American Risk Disclosure

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable of profitable for a client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the advisor, or any other investment professional. Affiliated, or unaffiliated solicitors are not permitted to provide investment advice on behalf of Royal American.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of advisory/investment management fees, the incurrence of which would have the effect of decreasing historical performance results.

Royal American Privacy Statement

Royal American Financial Advisors, LLC is a state of California Licensed Investment Advisory Company committed to safeguarding the confidential information of its clients. We hold all personal information provided to our company in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by Royal American Financial Advisors, LLC or affiliated companies including Royal American Insurance Services, LLC. We have never disclosed information to nonaffiliated third parties, except as permitted by law, and do not anticipate doing so in the future. If we were to anticipate such a change in company policy, we would be prohibited under the law from doing so without advising you first. As you know, we use financial and health information that you provide to us to help you meet your personal financial goals while guarding against any real or perceived infringements of your rights of privacy. Our policy with respect to personal information about you is listed below.

 We limit employee and agent access to information only to those who have a business or professional reason for knowing, and only to nonaffiliated parties as permitted by law. (For example: Federal regulations permit us to share a limited amount of information about you with a brokerage firm in order to execute securities transactions on your behalf, or so that we can discuss your financial situation with your accountant or attorney.)

We maintain a secure office and computer environment to ensure that your information is not places at unreasonable risk.

The categories of nonpublic personal information that we collect from a client depend upon the scope of the client relationship or services requested by the client. It will include information about your personal finances, information about your health to the extent that it is needed for the planning/advisory process, information about transactions between you and third parties, and information from consumer reporting agencies.

 For unaffiliated third parties that require access to your personal information, including financial services companies, consultants, and auditors, we also require strict confidentiality in our agreements with them and expect them to keep this information private. Federal and State regulator also may review company records as permitted under law.

We do not provide your personally identifiable information to mailing list vendors for any purpose.

 Personally identifiable information about you will be maintained during the time you are a client, and for the required time thereafter that such records are required to be maintained by federal and state securities laws, and consistent with the CFP Board Code of Ethics, and professional responsibility. After this required period of record retention, all such information will be destroyed.

Customer Information Privacy Principles

Like most industries today, the financial services industry is rapidly being shaped by technology, which is literally changing the way we do business. To be successful in this environment, we must continue to insure that our customers are confident that we will manage their financial affairs expertly and confidentially.

At Royal American Financial Advisors, our customers have access to a broad range of products and services from basic banking products to investments, mortgages, insurance, and online banking. To deliver these products and services as effectively and conveniently as possible, it is essential that we use technology to manage and maintain certain customer information.

We want to assure all of our customers that whenever information is used, it is done with discretion. The safeguarding of customer information is an issue we take seriously at Royal American Financial Advisors. To affirm our continuing commitment to the proper use of customer information, we have set forth the following Privacy Principles. It is these Privacy Principles that guide us in serving the privacy needs of our customers.

1. Recognition of a Customer’s Expectation of Privacy: At Royal American Financial Advisors , we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for Royal American Financial Advisors.

2. Use, Collection, and Retention of Customer Information: Royal American Financial Advisors limits the use, collection, and retention of customer information to what we believe is necessary or useful to conduct our business, provide quality service, and offer products, services, and other opportunities that may be of interest to our customers.

3. Maintenance of Accurate Information: Royal American Financial Advisors recognizes that it must maintain accurate customer records. Therefore, Royal American Financial Advisors has established procedures to maintain the accuracy of customer information and to keep such information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner.

4. Limiting Employee Access to Information: At Royal American Financial Advisors, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Royal American Financial Advisors employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.

5. Protection of Information via Established Security Procedures: Royal American Financial Advisors recognizes that a fundamental element of maintaining effective customer privacy procedures is to provide reasonable protection against the unauthorized access to customer information. Therefore, Royal American Financial Advisors has established appropriate security standards and procedures to guard against any unauthorized access to customer information.

6. Restrictions on the Disclosure of Customer Information: When it comes to sharing customer information with unaffiliated companies, Royal American Financial Advisors places strict limits on who receives specific information about customer accounts and other personally identifiable data. Royal American Financial Advisors may share information with such companies if they provide a product or service that may benefit our customers. Whenever we do this, we carefully review the company and the product or service to make sure that it provides value to our customers.

We share the minimum amount of information necessary for that company to offer its product or service. We may also share information with unaffiliated companies that assist us in providing our products and services to our customers; in the normal course of our business (for example, with consumer reporting agencies and government agencies); when legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.

7. Maintaining Customer Privacy in Business Relationships with Third Parties: If we provide personally identifiable customer information to a third party with which we have a business relationship, we will insist that the third party keep such information confidential, consistent with the conduct of our business relationship.

8. Disclosure of Privacy Principles to Customers: Royal American Financial Advisors recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made readily available to our customers. Customers who have questions about these Privacy Principles or have a question about the privacy of their customer information should call John Borger at 888-294-0648 or e-mail him at john@royalam.com.

These Privacy Principles apply to individuals, and we reserve the right to change these Privacy Principles, and any of the policies or procedures described above, at any time without prior notice. These Privacy Principles are for general guidance and do not constitute a contract or create legal rights and do not modify or amend any agreements we have with our customers.

 

The Bottom Line

Maintaining your privacy  is of paramount importance to us as it helps foster confidence, goodwill and stronger relationships with you, our customers. If, at any time, you have questions or concerns about our privacy practices, please feel free contact us. General Statement: Royal American Financial Advisors does not disclose any financial information to any non-affiliated third party without prior written approval of its clients.

General Information: Royal American Financial Advisors, LLC (“RAFA”) is a California registered investment adviser offering a diverse array of financial products and services including but not limited to, mutual funds, insurance, annuities, REITs, stocks, bonds, managed futures, private placement offerings and retirement plans. RAFA and its representatives are in compliance with the current registration and/or notice filing requirements imposed upon registered investment advisors in California. RAFA will only transact business in States in which it is registered, or qualifies for an exemption or exclusion from registration requirements. As prescribed by rule 204-3(c) of the Investment Advisors Act of 1940, Royal American Financial Advisors, LLC, hereby offers to deliver, without charge, a copy of its recent brochure (ADV Part II) upon request. Call 888-294-0648 for your own copy.

Insurance Rebates for Platinum Clients: The basis for providing fixed annuity commission rebates is found in the California Insurance Code Section 750(d) “…nothing in this section is intended to limit, restrict, or in any way apply to, the rebating of commissions by insurance agent’s or brokers, as authorized by proposition 103, enacted by the people at the November 8, 1988, general election.” Remember that Rebates discussed are only authorized for California and cannot by law be offered for any security product such as variable annuities. You alone decide whether or not to purchase any financial product.

Broker-Dealer: All principals are separately registered representatives of Capital Growth Resources a registered Broker/Dealer in El Cajon - CA.

Compensation Disclosure

Royal American Financial Advisors, LLC and/or Royal American Insurance Services, LLC will receive advisory fees, or commissions from the sale of securities, insurance, annuities, or real estate from the recommendations provided as disclosed. When we make recommendations that you purchase a commission based product, or invest in a fee based account, there may be a potential conflict of interest. We will earn a fee or commission on the recommendations. It is the policy of Royal American NOT to receive fees AND commissions on the same recommendations. You are not under any obligation to act upon the recommendations. If you do choose to act upon the recommendations, you are under no obligation to effect the transaction through Royal American Financial Advisors, LLC or its affiliates.

USA Patriot Act Policy Statement

The USA PATRIOT ACT (Uniting and Strengthening America by Protecting Appropriate Tools to Intercept and Obstruct Terrorism Act) was signed into law on October 26, 2001. On May 9, 2003 the Department of Treasury issued their final regulations for Customer Identification Programs for Financial Institutions. Since that time the standard for banks and non-banking financial institutions has become the requiring of additional information from all clients in order to stay in compliance with the USA Patriot Act. In order to be able to provide the information required of the bank and non-bank financial institutions that provide services for our clients, Royal American Financial Advisors will require the following additional documentation when we open new accounts after 10-1-2003.

At the earliest convenience we will require of all new clients to show a copy of their drivers license or other valid government issued I.D.  We will record the information on new account forms and advisory agreements. ALL CLIENTS must have a valid physical mailing address on file, as post office boxes will no longer be sufficient under the USA Patriot Act. Royal American wishes to thank our clients for their cooperation and support in these simple procedures to support efforts to deny terrorist groups access to America’s financial system.

 

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