Our Privacy Policy

Capital Advantage, Inc., an independent financial planning and investment management firm, is committed to safeguarding the confidential information of its clients. We hold all personal information provided to our firm in the strictest confidence. These records include all personal information that we collect from you in connection with any of the services provided by Capital Advantage, Inc. 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 policy, we would be prohibited under the law from doing so without advising you first. As you know, we use the financial information that you provide 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 access to information only to those who have business or professional reason for knowing, and only to nonaffiliated persons as permitted by law. (For example, federal regulations permit us to share limited amount of information about you with a brokerage firm in order to execute securities transactions on your behalf, or so that our firm can discuss your financial situation with your accountant or lawyer.)

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

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

We may disclose certain of your non-public information to e401k, Inc. if we believe you may be interested in the services provided by e401k, Inc. We do this in order to permit the firm to determine whether to contact you about such services. E401k, Inc. is owned and operated by John Hayman, president of Capital Advantage, Inc.

For unaffiliated third parties that require access to your personal information including financial service companies, consultants, and accountants, we release your personal information only upon your verbal/written request and/or approval. Federal and state regulators also may review firm records as permitted under law.

We do not provide your personally identifiable information to mailing list vendors or solicitors 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 required period of record retention, all such information will be destroyed.