Privacy Policy for Stephen Kovach, Wealth Manager and Financial Advisor

Last updated: June 6, 2025

This Privacy Policy describes how Stephen Kovach (“we”, “us”, or “our”) collects, uses, and protects the personal information of visitors to our website, stephenkovach.com (“Website”), and clients who engage our financial advisory services. We are committed to protecting your privacy and ensuring the security of your personal information.

By using our Website or engaging our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of personal information:

a. Information you provide directly:

  • Contact information (e.g., name, email address, phone number)

  • Financial information (e.g., income, assets, investment goals) if you engage our services

  • Other information you choose to provide through forms or communications

b. Information collected automatically:

  • Device information (e.g., IP address, browser type, operating system)

  • Usage data (e.g., pages visited, time spent on the Website)

  • Cookies and similar technologies (see our Cookie Policy for details)

c. Information from third parties:

  • Data from social media platforms if you interact with our social media profiles

  • Data from partners or service providers

2. How We Collect Information

We collect information through:

  • Forms you fill out on our Website

  • Email or other communications you send us

  • Cookies and similar technologies

  • Third-party analytics tools

  • Social media interactions

3. How We Use Your Information

We use your personal information for the following purposes:

  • To provide and improve our financial advisory services

  • To communicate with you about your inquiries or our services

  • To personalize your experience on our Website

  • To analyze Website usage and improve our content and services

  • To comply with legal and regulatory requirements

  • For marketing and advertising purposes, with your consent where required

4. Sharing and Disclosure of Information

We may share your personal information with:

  • Service providers who assist us in operating our Website and providing our services (e.g., web hosting, analytics, marketing)

  • Partners for marketing and advertising purposes, but only with your explicit consent

  • Legal authorities or regulators when required by law

  • In connection with a business transaction, such as a merger or acquisition

We do not sell your personal information to third parties.

5. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the Internet or electronic storage is completely secure, so we cannot guarantee absolute security.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal information, such as:

  • The right to access or correct your information

  • The right to request deletion of your information

  • The right to object to or restrict certain processing

  • The right to data portability

To exercise these rights, please contact us using the information below.

7. Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Global Advisers, LLC
corporate@globaladvisers.com

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last updated” date.

9. Financial Privacy Notice

As a financial advisor, we are committed to protecting the confidentiality and security of your financial information. In accordance with the Gramm-Leach-Bliley Act (GLBA), we provide this notice to explain our privacy practices regarding your nonpublic personal information.

a. Categories of information we collect:

  • Information from you, such as your name, address, social security number, assets, income, and investment objectives

  • Information about your transactions with us or others

b. Categories of information we disclose:

  • We may disclose your nonpublic personal information to third parties as necessary to provide our services, such as to custodians, brokers, or other financial institutions

  • We may also disclose information as required by law or with your consent

c. Parties to whom we disclose information:

  • Service providers who assist us in providing our services

  • Regulatory authorities or law enforcement when required

d. How we protect your information:

  • We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information

  • We restrict access to your information to authorized personnel who need it to perform their duties

e. Your right to opt-out:

  • Under the GLBA, you have the right to opt-out of certain information sharing with non-affiliated third parties. However, since we do not share your information for marketing purposes without your consent, no action is required unless you wish to limit other types of sharing.