Disclaimer
Hardy Financial Planning, Inc. is registered with the State of Michigan as a "Registered Investment Advisor" (RIA). This World Wide Web Site does not provide investment advice, nor does it constitute an offer to provide investment advice, to any individual or any other entity in any state or other jurisdiction. 
 
Internet Policy
Hardy Financial Planning, Inc. recognizes and respects the privacy expectations of our customers, and is committed to protecting our customer’s privacy. The only information collected on you through our web site is information you voluntarily provide and we have safeguards in place to protect the security of that information. If you choose to contact us via e-mail, please keep in mind that your e-mail address and any other information your e-mail header shows about you, such as your name or organization, will be revealed to us in the e-mail. We pledge however, that when you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. We will not share your personal, confidential information with non-affiliated third parties without your consent, unless we are required by law to disclose such information.

Third-Party Sites
Hardy Financial Planning, Inc.'s website contain links to other websites that are not operated by our company. Hardy Financial Planning, Inc. is not responsible for the privacy practices of the websites that it does not operate, and our Internet Privacy Policy does not apply to those websites. Please be aware that other web sites that may be accessed through our site may collect personally identifiable information about you. The information practices of those third-party web sites linked to www.arborfinancial.com are not covered by this privacy statement. You are solely responsible for maintaining the secrecy of your passwords or any account information. Please be careful and responsible whenever you're online. If you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties in return. While we strive to protect your personal information, Hardy Financial Planning, Inc. cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

Securities and Exchange Commission Regulation SP - Gramm-Leach-Bliley Act Privacy Policy Notice For Hardy Financial Planning, Inc. Clients.
January 19,  2001
Regulation SP requires a securities firm -including investment advisors- to provide the following information in its initial and annual privacy notices. The following are the mandated disclosure questions followed by the answers for Hardy Financial Planning, Inc.:
  • the categories of nonpublic personal information about consumers that the
    firm collects and may disclose; NONE.
  • the categories of both affiliates and nonaffiliated third parties to whom
    the firm discloses nonpublic personal information; NONE.
  • the categories of nonpublic personal information about former customers
    that the securities firm discloses, and the categories of both affiliates and
    nonaffiliated third parties to whom the securities firm discloses this
    information; NONE.
  • the categories of nonpublic personal information that are disclosed to
    service providers and under joint marketing arrangements, and the categories of nonaffiliated third parties to which such disclosure is made; NONE.
  • an explanation of the consumer's right to "opt out" of the disclosure of
    nonpublic personal information to nonaffiliated third parties, and the
    methods by which a consumer may exercise that right; NOT APPLICABLE.
  • disclosures, if any, regarding sharing of consumer reports with
    affiliates that are required by the Fair Credit Reporting Act; NONE.
  • the securities firm's policies and practices with respect to protecting
    the confidentiality, security and integrity of nonpublic personal
    information. NO CLIENT INFORMATION IS DISCLOSED TO ANYONE, EXCEPT AS REQUIRED BY LAW (e.g. INTERNAL REVENUE SERVICE).