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Privacy Policy

Michael Ciarlo Retirement Specialist ("Company," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you visit our website or engage with our services.

1. Information We Collect

We collect information from clients and potential clients when you:

  • Submit an inquiry about our services

  • Purchase one of our marketing campaigns

The types of information we may collect include:

  • Personal Information: Name, business name, email address, mailing address, phone number, and payment details (such as credit card information).

  • Technical Information: IP addresses, cookie identifiers, and website activity.

Anonymous Visits: You may visit our site anonymously.

Cookies and Retargeting: We may collect website activity data, IP addresses, and cookie identifiers to:

  • Retarget our ads to better show relevant Company services across platforms (e.g., display networks, social media, search engines).

  • Improve the relevance and effectiveness of our advertising campaigns.

This information may be shared with third-party partners, including AdRoll, Facebook, Instagram, Google, and others for advertising purposes.

Opt-Out Options:
You can opt out of our retargeting campaigns and data collection at any of the following links:

We will never sell your personal information.

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2. How We Use Your Information

We use the information we collect for the following purposes:

  • Personalized Experience: To better respond to your individual needs and improve your experience during inquiries or active campaigns.

  • Improved Customer Service: To provide customized support and accurately identify and manage your account.

  • Processing Transactions:

    • To process agreed-upon transactions for our marketing services

    • You will receive an email receipt confirming your transaction

  • Email Communications:

    • To provide updates, notifications, and important information regarding your campaigns

    • To send occasional company news, updates, and educational resources

Opt-Out of Emails: You can unsubscribe from emails at any time using the unsubscribe link or by contacting us at mciarlo@asb.insure.

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3. How We Share Your Information

We do not sell, trade, or rent your personal information. However, we may share it with trusted third parties to:

  • Provide technical, advertising, or operational support

  • Fulfill legal requirements, such as responding to valid legal requests

  • Support retargeting efforts with partners like AdRoll, Google, Facebook, Instagram, etc.

All third-party partners are required to maintain confidentiality and only use the data for agreed purposes.

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4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Enhance your browsing experience

  • Analyze site traffic and trends

  • Deliver tailored advertisements across platforms

You may disable cookies in your browser settings; however, doing so may limit some website functionalities.

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5. Data Security

We implement robust security measures to protect your personal information against unauthorized access, alteration, or disclosure. However, no online transmission is 100% secure, so we cannot guarantee absolute security.

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6. Your Rights

Depending on your jurisdiction, you have the right to:

  • Access: Request the information we hold about you.

  • Correct: Update inaccurate or incomplete information.

  • Delete: Request the deletion of your data.

  • Opt-Out: Withdraw from communications or data usage at any time.

To exercise these rights, email us at mciarlo@asb.insure.

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7. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated Effective Date. We encourage you to review this policy regularly.

 

8. Contact Us

If you have questions or concerns regarding this Privacy Policy, please contact us at mciarlo@asb.insure.

RA Disclosure 

Risk tolerance is an investors general ability to withstand risk inherent in investing. The risk tolerance questionnaire is designed to determine your risk tolerance and is judged based on three factors: time horizon, long-term goals and expectations, and short-term risk attitudes. The adviser uses their own experience and subjective evaluation of your answers to help determine your risk tolerance. There is no guarantee that the risk assessment questionnaire will accurately assess your tolerance to risk. In addition, although the advisor may have directly or indirectly used the results of this questionnaire to determine a suggested asset allocation, there is no guarantee that the asset mix appropriately reflects your ability to withstand investment risk

 

SSA/Medicare & SSA Max Disclosures:

Not associated with or endorsed by the Social Security Administration, Medicare or any other government agency. Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

 

AP Disclosure

Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy.

 

FA & FIA Disclosures:

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.

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