Privacy Policy

The following privacy policy (the “Privacy Policy”) outlines what information AGS Advisors (“Company”, “we” or “us”) may collect from users or our website www.agsadvisorsinc.com (the “Site”), any of its subdomains, or any related sites, applications, widgets, or online services offered by Company (collectively, the “Service”), and how we protect, use and disclose that information, and what choices you have about how that information is used and disclosed.

PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THE SERVICE. IF YOU DO NOT ACCEPT THIS PRIVACY POLICY, DO NOT USE THE SERVICE. When you use the Services, you understand that Company may collect, use, and disclose technical data and related information about you in various ways subject to the terms of the Privacy Policy.

We reserve the right, at our sole discretion, to modify or replace this Privacy Policy at any time in accordance with Section 10 (Changes to This Privacy Policy). If you have questions about this Privacy Policy, please contact us at the contact information listed in Section 12 below.

1 Eligibility Requirements

The Services are not intended for use by any individual under the age of 18. Users under 18 or any are not allowed to register with or use the Services.

Company does not knowingly collect or solicit Personal Information from anyone under the age of 13 or knowingly allow such persons to register on the Services. If we learn that we have collected Personal Information from anyone under the age of 13, we will delete that information.

2 Information We Collect

Upon registration with the Services, a user profile is developed to further customize the user’s experience. We collect certain personally identifiable information (collectively, “Personal Information”) you actively enter onto our online forms during registration or while using the Services.

2.1 Information We Collect From You

When you register on, or otherwise use the Services, we may collect information you provide via forms, surveys, applications, or other online fields including, without limitation: Email, Password, Name, Date of Birth, Address and Zip Code, Telephone, fax and mobile numbers, Account Numbers, Billing information, Company information that you provide, financial information that you provide, etc.

2.2 Login Through Third Party Websites

In some cases, we may allow you to login to the Service using third party websites (including social network sites such as, without limitation, Linkedin, Facebook or Twitter) (a “Third Party Website”). If you login to the Service through a Third-Party Website, we access and collect information about your use of the Third-Party Website and information you provide to such Third Party Website. To the extent you and the Third-Party Website allow, we may access your information that is publicly available to other users of the Third-Party Website and all information you have provided to the Third Party Website, such as login e-mail and other content information, friends lists, network statistics and updates regarding your Third-Party Website account. We will notify you before we collect such information from such Third-Party Website.

2.3 Cookies and Other Technology

To help us serve your needs better, we use “cookies” to store and sometimes track user non-Personal Information, such as your IP address and click tracking. A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive. A website can use cookies to recognize repeat users or track web usage behavior. Cookies work by assigning a number to the user that has no meaning outside of the assigning website. Users of the Services should be aware that non-Personal Information and data may be automatically collected by virtue of the standard operation of Company computer servers or through the use of cookies. If you do not want information to be collected through the use of cookies, your browser allows you to deny or accept the use of cookies. There may, however, be some features of the Services which require the use of cookies to customize the delivery of information to you.

Users should be aware that Company cannot control the use of cookies (or the resulting information) by third parties. The use of third-party cookies is not covered by our Privacy Policy. We do not have access or control over these cookies.

We may also use web beacons to access our cookies. A web beacon is an electronic file on a Web page that allows us to count users who have visited that page and to recognize users by accessing our cookies. Further, a web beacon can be used in HTML-formatted email to determine responses to our communications and measure their effectiveness. You can avoid web beacons by turning off HTML display and displaying only the text portion of your email.

Company does not track users across third party websites, and therefore does not use or respond to “do not track” signals in your web browser. However, some Third-Party Websites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, certain website browsers allow you to set the DNT signal on your browser so that third parties (particularly advertisers) know you do not want to be tracked.

We may participate in behavioral-based advertising. This means that a third party may place a cookie on your browser, or use a web beacon, to collect information about your use of our website so that they can provide advertising about products and services tailored to your interest. That advertising may appear either on our website, or on other websites. If you would like to opt-out from having the behavioral-based advertising companies with whom we have a relationship use your information for advertising purposes, you can do so by visiting the Network Advertising Initiative or Digital Advertising Alliance.

We may also use services hosted by third parties, such as Google Analytics, a web analytics service provided by Google, Inc. (“Google”), or comparable services, to assist in providing the Services. Google Analytics uses cookies to help us analyze how users use the Services. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to, and stored by, Google on their servers. Google will use this information for the purpose of evaluating your use of the Services, compiling reports on website activity for us and providing other services relating to website activity and Internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this you may not be able to use the full functionality of the Services. By using this Services, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

We use information from social media platforms and networks that you use in connection with our website or that share or allow you to share information with us, such as Facebook, Twitter, and Instagram. For example, if you use functionalities, plugins, widgets, or tools from social media platforms or networks in connection with our website (e.g., to log into an account or to share other content with your friends and followers on social media), we will collect the information that you share with us, or that those social media platforms or networks share with us. For more information about social media platform and network privacy practices, please review the privacy policies and settings of the social media platforms and networks that you use;

We may also use cookies and other various automatic collection methods. For example, we and third parties we work with may collect information from the computer, tablet, phone, or other device that you use to access our website, or that you use to open an email or click on an advertisement from us. This collection includes automatically collected information, and generally does not include personal information unless you provide it through our website, or you choose to share it with us. Methods we use include:

•  cookies (which may be session-based or persistent, and are typically small data files that are stored on your hard drive or in connection with your Internet browser);
• web beacons or tags (small images embedded into websites or emails that send information about your computer, tablet, phone, or other device when you visit our website, use or mobile application, or open an email we send to you);
• website and mobile application log files (which we tend to create automatically in connection with access to and use of our website);
• other technologies (which may be similar to or different than the methods noted above).

3 How We Use Your Information

3.1 To Provide the Services

We use the information that we collect from you to provide you with the Services, support and enhance your use of the Services, allow you to evaluate your eligibility for such products or services, to monitor which features of the Services are used most and to allow us to determine which features we need to focus on improving and to run surveys and contests.  We may also use the information and data that we collect, in whatever manner collected, to (i) remember your information to facilitate future visits to the Sites or later use of the Services; (ii) provide customized, directed content or information; (iii) monitor aggregate metrics such as total number of visitors, demographics, traffic, and usage of the Site and Services; and (iv) monitor the effectiveness of our Services and diagnose issues, fix and enhance our Services. If you choose to provide us with Personal Information, you consent to the transfer and storage of that information on our servers located in the United States.

When you register online on the Service, you may be given the option of receiving periodic informational/promotional mail or e-mail from Company. You choose whether or not to receive correspondence when you provide this information or by changing your preferences within your registration profile at any time.

We use non-Personal Information collected from users of the Services in the aggregate, so that we can improve the Services and for business and administrative purposes.

3.2 Marketing and Advertising

The company may use your information to send you marketing and advertising communications; advise on update you on changes and new relevant products and programs; and to customize the marketing and advertising that we show you (we offer choices about marketing and advertising as noted in the Your Choices section below);

Email Choices. You can opt out of marketing or advertising emails by using the “unsubscribe” link or mechanism noted in marketing or advertising emails you receive from us or lgplanninggroup.com. You may also request to opt out of marketing or advertising emails by contacting us through one of the methods specified in the “Additional Information and Contacting Us” section below and sharing the email address at which you are receiving marketing or advertising emails.

Direct Mail Choices. You may opt out of receiving marketing or advertising by direct mail by contacting us through one of the methods specified in the “Additional Information and Contacting Us” section below and sharing the name and mailing address that you would like to opt out. Please note that these requests may take up to 8–10 weeks to become effective.

3.3 Diagnose Website Problems

Company uses your Internet Protocol (IP) address to help diagnose problems with our computer server, and to administer the Website. Your IP address is also used to gather broad demographic data. It is not stored or linked to your personal profile information, such as name or contact information.

3.4 Service-related Announcements

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. 

Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

3.5 Customer Service

We may send you a welcoming email to the address you provide at registration to verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes. By providing a telephone number, you consent to us contacting you at that number for the purposes outlined in this Privacy Policy. You may revoke your consent to be contacted at any time by making the change on our user information page or by emailing us at customerservice@agsadvisorsinc.com. We will use commercially reasonable efforts to respond to your access request within 30 days.

4 Our Disclosure of Your Information

4.1 Aggregated Data

Company may share aggregated usage and log data collected from users of the Services with third parties for industry analysis and demographic profiling, but such aggregated data will not include any Personal Information.

4.2 Third Party Service Providers

We may employ third party companies and individuals to facilitate our provision of the Service, to provide the Service on our behalf, provide customer support, perform Service-related services (e.g., maintenance services, database management, web analytics and improvement of the Services’ features) or to assist us in analyzing how our Services are used. These third parties may have access to your Personal Information, but only to the extent needed to perform these tasks on our behalf, and we will contractually require them to protect and safeguard your Personal Information to at least the same extent that we do under this Privacy Policy. If you choose to purchase merchandise, products and/or services, on or through features on the Service, we may forward your information to third parties for services such as credit card or other payment processing, order fulfillment, credit pre-authorization, and address verification. There are also times when you provide information about yourself to us in areas of the Service that may be managed or participated in by third parties. In such cases, the information may be used by us and by such third parties, each pursuant to its own policies. We may also provide your information to our advertisers, so that they can serve ads to you that meet your needs or match your interests. While we will seek to require such third parties to follow appropriate privacy policies and will not authorize them to use this information except for the express purpose for which it is provided, we do not bear any responsibility for any actions or policies of third parties.

4.3 Law Enforcement

Company cooperates with government and law enforcement officials, agencies and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials, agencies or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal processes (including but not limited to subpoenas), to protect the property and rights of Company or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, an illegal, unethical or legally actionable activity. 

4.4 Business Transfers

In the event that all or a substantial portion of the assets, business or stock of Company are acquired by, merged with or transferred to another party, or in the event that Company goes out of business or enters bankruptcy, your Personal Information may be one of the assets that is transferred to or acquired by the third party. You acknowledge that such transfers may occur, and that any acquirer of Company or its assets may continue to use your Personal Information as set forth in this Privacy Policy.  If any acquirer of Company or its assets will use your Personal Information contrary to this Privacy Policy, you will receive prior notice.

4.5 Employer Disclosure

If you are an individual and your account (i) is paid for by your employer, (ii) was created at the request of your employer, (iii) uses a work-sponsored email address, (iv) is administered by your employer, and/or (v) otherwise reasonably appears to us as controlled by your employer, we will consider your account and all information associated therewith as property of your employer as the ultimate account holder.  This means that upon request of your employer, we will disclose information you share with us to your employer. Upon the cessation of your employment for any reason, you will have to create a new account to continue to access the Sites and Services, and we may block or discontinue access rights associated with your old employer account.

5 Accessing and Updating Your Personal Information and Preferences

If your Personal Information changes, or if you no longer desire our Services, or if you wish to update your preferences to receive email or other communications from us, you may correct, delete inaccuracies, or amend your Personal Information and preferences by making the change on our user information page or by contacting us at customerservice@agsadvisorsinc.com. We will use commercially reasonable efforts to respond to your access request within 30 days.

6 Retention of Personal Information

We will retain your Personal Information for the length of time needed to fulfill the purposes outlined in this privacy policy unless a longer retention period is required or permitted by law, or as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

7 Security

It is our policy to protect your account information against unauthorized access or release. We have procedures that limit Company employees and contractors’ access to Personal Information. Only those employees and contractors with a business reason to know have access to such information. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, mandatory training programs, and internal policies on data privacy and corporate integrity. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

8 Individual California Residents

California residents may choose to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes or choose to opt out of such disclosure. Our policy is not to disclose personal information collected online to a third party for directing marketing without your approval. To make a request or to opt out at any time, please contact us at customerservice@agsadvisorsinc.com or the other contact information provided below. It is important to note that this opt-out does not prohibit disclosures made for non-marketing purposes.

9 Third Party Links

We may provide links to Third Party Websites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated or controlled by Company, you should review their privacy and security policies and other terms and conditions. Company does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

10 Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website and in the Portals prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

11 Users Outside the United States

This Privacy Policy is intended to cover collection of information from residents of the United States. The Service and the services upon which the Service is hosted are located in the United States. Personal Information you submit using the Service will be transferred to and stored in the United States. By visiting the Service and submitting Personal Information, you authorize this transfer.

12 Additional Information and Contacting us

If you have questions or concerns regarding this Privacy Policy, you should contact us at:
AGS Advisors
945 Woodsedge Lane

Westerville, OH, 43081
Attention: Legal Department