Last Revised: December 2025
1. Introduction
Synouvo Financial Group, LLC (“Synouvo,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information.
Financial companies choose how they share personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to explain how we collect, share, and protect your personal information. Please read this Privacy Policy carefully to understand our practices.
2. Who This Policy Applies To
This Privacy Policy applies to personal information collected, used, or shared in connection with services provided by Synouvo Financial Group, LLC, including:
- Investment advisory and wealth management services
- Insurance services (life, health, property & casualty, and related products)
- Tax preparation, tax planning, tax advisory, and tax resolution services
- Accounting, bookkeeping, payroll, and related financial services
Some services may be provided through affiliated entities under common ownership or control. All such entities follow privacy and information security practices consistent with this policy and applicable law.
3. What Personal Information We Collect
The types of personal information we collect depend on the products and services you obtain from us. This information may include:
- Social Security number and employment information
- Account balances and transaction history
- Wire transfer instructions
- Insurance, tax, and financial planning information
When you are no longer our customer, we may continue to share your information as described in this notice, as permitted by law.
4. How We Collect Personal Information
We collect personal information, for example, when you:
- Open an account
- Provide account or application information
- Give us your contact information.
- Enter into an advisory, insurance, tax, or financial services engagement.
- Tell us about your investments, insurance needs, or retirement portfolio
- Seek financial, tax, or insurance advice
5. How and Why We Share Information
All financial companies need to share customers’ personal information to conduct everyday business. Below are the reasons Synouvo Financial Group, LLC may share personal information and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
| Reason | Do We Share? | Can You Limit This? |
|---|---|---|
| For our everyday business purposes – such as processing transactions, maintaining accounts, responding to court orders and legal investigations, or reporting to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness | No | We do not share |
| For our affiliates to market to you | Yes | Yes |
| For non-affiliates to market to you (including if your advisor changes firms) | Yes | Yes |
6. Your Rights to Limit Sharing
You may limit certain types of sharing as permitted by law.
- New customers: We may begin sharing your information 30 days after you receive this notice.
- Former customers: We continue to share information as described in this policy.
- You may contact us at any time to request limitations on sharing where permitted.
Federal law allows you to limit only:
- Sharing for affiliates’ everyday business purposes related to creditworthiness
- Affiliates from using your information to market to you
- Sharing for non-affiliates to market to you
State laws may provide additional rights.
7. Special Protections for Tax Information (IRC §7216)
Tax-related personal information is subject to Internal Revenue Code §7216 and related Treasury Regulations.
Use and Disclosure of Tax Return Information
Tax return information is:
- Used solely to prepare, assist in preparing, or provide related tax and financial services
- Not disclosed to third parties without your prior written consent, except as permitted or required by law
- Protected using administrative, technical, and physical safeguards
Where required, we obtain separate, explicit consent before using tax return information for non-tax purposes, including cross-service recommendations.
8. Insurance Information Sharing
Insurance-related personal information may be collected and shared for:
- Policy underwriting and placement
- Carrier submissions and policy servicing
- Claims administration and support
- Regulatory and compliance requirements
Insurance information is shared only with:
- Insurance carriers and underwriting partners
- Licensed agents or brokers involved in servicing your policy
- Third-party service providers are necessary to administer insurance services
All sharing is limited to what is necessary and permitted under applicable insurance privacy laws.
9. Cross-Service Use of Information
Because we offer multiple financial and professional services, personal information may be used across service lines only when permitted by law and consistent with your relationship with us.
Examples include:
- Coordinating tax planning with investment or retirement strategies
- Aligning insurance coverage with financial or estate planning objectives
- Providing the integrated financial advice you have requested
We do not use tax return information for marketing or insurance solicitation without proper consent where required.
10. How We Protect Your Information
We maintain safeguards consistent with:
- The Gramm-Leach-Bliley Act (GLBA)
- IRS Safeguards Rule
- FTC Safeguards Rule
- Applicable state insurance privacy laws
Safeguards include:
- Access controls and role-based permissions
- Secure and encrypted data storage
- Employee confidentiality obligations
- Physical security of records and facilities
- Ongoing monitoring and risk management practices
11. Cookies and Website Data Collection
Information Collected Automatically
When you visit our website, we may collect information automatically through cookies and similar technologies, including:
- IP address
- Browser and device information
- Pages visited and time spent on our website
- Referring website or source
This information does not identify you personally unless you voluntarily provide personal information.
How We Use Cookies
Cookies help us:
- Improve website performance and functionality
- Understand website usage
- Enhance user experience
- Support analytics and marketing efforts
We may use third-party service providers that place cookies on our behalf.
Managing Cookies
You may control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.
12. Definitions
Affiliates
Companies related by common ownership or control, including financial and non-financial companies such as advisory, insurance, tax, and accounting entities.
Non-Affiliates
Companies not related by common ownership or control, such as broker-dealers, custodians, insurance carriers, or a new advisory firm.
Joint Marketing
A formal agreement between non-affiliated financial companies to jointly market financial products or services.
13. Other Important Information
Clients with mailing addresses in California, Vermont, Massachusetts, or North Dakota are automatically treated as having opted out of certain sharing, as required by law.
We may share aggregated and de-identified information with third-party providers when permitted by law for business and service improvement purposes.
14. Contact Information
If you have questions about this Privacy Policy or wish to limit sharing where permitted, please contact us:
Synouvo Financial Group, LLC
Phone: 954-505-2927
Website: https://www.synouvo.com
Email: privacy@synouvo.com