Who we are
Our website address is https://barbrey-associates.com.
Online Privacy Statement
This Online Privacy Statement (“Statement”) describes how we collect, share and use personal information. This Statement applies to (a) the public-facing website available at Barbrey-associates.com and the pages accessible during and after a user (“you” or “your”) logs in to a private section of the website (the “Client Website” and “Client Mobile Application”), (“Subsidiary Website”). All websites described in the prior sentences are defined collectively for the purposes of this Statement as “Websites”.
Barbrey & Associates family of Companies within this Statement means Barbrey & Associates, LLC, and our sales force team. Our Sales Force includes the people who sell products and services, along with their staff.
References to “we,” “us,” “our,” “ours,” or “Barbrey & Associates” means the “Barbrey & Associates Family of Companies,” and Barbrey & Associates, LLC.
Barbrey & Associates is licensed and registered to provide products and services in the United States only; therefore, the Websites and the information contained within them is intended for use in the United States only. By using the Websites, you understand that Barbrey & Associates will comply with applicable United States privacy regulations and agree that Barbrey & Associates can use your personal information in accordance with its Online Privacy Statement and all applicable laws and regulations.
The Websites are not intended for use by anyone under 18 years of age. By using the Websites, you represent that you are 18 years of age or older. No one under 18 years of age should use the Websites.
Collection Of Information
We gather information that helps us protect website users, maintain the security of our Websites, and for the purposes described below.
With the exception of the Subsidiary Website, the Websites gather two types of information about people who visit the Websites (“Users”):
- Voluntary User Information: information and data you provide voluntarily and knowingly, including information and data you submit in or through the Client Website, Client Mobile Application, and/or through optional, voluntary contact request forms; and
- Automatically Collected Information: tracking information, including (but not limited to) IP address, mobile device, browser type, and home server information.
The Subsidiary Website only gathers the Automatically Collected Information.
Barbrey & Associates does not disclose any of your personal information collected on or through the Websites without your permission, except within the Barbrey & Associates Family of Companies, as described in this Statement, or as permitted or required by law. These Websites do not enable unaffiliated third parties to collect personal information about your online activities over time and across different websites when you visit these Websites, on behalf of parties other than Barbrey & Associates. Barbrey & Associates does not sell or rent your information to third parties.
Cookies
The Websites use various storage technologies related to online marketing tools, such as managing our advertising on other Internet websites. In connection with such activities, these Websites collect or receive information including (but not limited to) your IP address, device type, date and time of visit, browser type, and activities, and the above information is collected or received by or shared with third-party vendors who assist us with these activities.
A cookie is a small text file that is sent to a browser when you access the Websites. The Websites do not require you to use cookies, but it is possible that certain services may not function properly if you choose to refuse to receive a cookie. We use session cookies to ensure better performance and a more enjoyable and consistent user experience from your entry point into the Websites. The session cookie is available only during the course of the browser session; the information is not sent to or stored on a computer’s hard drive. Closing the browser or logging off will invalidate the session cookie. We also use machine cookies, which do remain on a computer hard drive, to gather aggregated, non-identifiable website statistics through the website analytic services. No personal information is collected using this technology.
We also contract with third parties to distribute e-mails on our behalf, perform analytics, and deliver online advertisements on the Websites, on other websites, and on other applications. Those companies may use third-party cookies, or other devices such as website scripting, pixels, or action tags to collect anonymous information about you when you visit the Websites. We use this information to learn which online advertisements attracted you and to help us analyze the Websites and the effectiveness of our marketing.
Automatically Collected Information
We collect information automatically from the Websites through a variety of technologies, including: (a) cookies/web beacons; and (b) third-party applications.
The Websites do not contain any functionality to respond to or honor web browser “do not track” signals or other similar mechanisms, and thus does not respond to or honor such signals or mechanisms. However, most web browsers allow you to block, manage, or delete cookies or local storage through the privacy features of your browser. Please refer to the help section of your browser or mobile device for additional information. Please note that if you block cookies or similar technologies, you may not be able to use the full functionality of the Websites.
Voluntary User Information
We generally collect information you provide voluntarily and knowingly through two main sections of the Websites: (a) the Client Website, accessible only after you log in with your access credentials; and (b) contact request forms. Northwestern Mutual uses information for the purpose described in this Statement or at the point of collection and shares the information you submit with the Barbrey & Associates Family of Companies to service your request, for internal purposes described herein, or as otherwise permitted or required by law. We share any such information with third parties only to the extent necessary to service your request as described herein, or as otherwise permitted or required by law.
Contact Request Forms
You may submit information through forms on the Websites for various purposes. Any information you voluntarily submit is only used by the Barbrey & Associates Family of Companies for the purpose of the submission or as specifically described below. The forms described below are a sample of the most-accessed forms on the Websites. Contacting a Financial Professional: When you request to be contacted by a Barbrey & Associates Financial Professional, we will ask you to provide basic contact and financial information. We may share this information with the Barbrey & Associates Family of Companies to better fulfill your request and for internal marketing, customer relationship management, and servicing purposes. Becoming a Financial Professional: If you are interested in obtaining information about becoming a Barbrey & Associates Financial Professional and indicate that you would like to have a Barbrey & Associates network office recruiter contact you, we will request certain information to facilitate that request. Information you submit in this regard will be routed in an unencrypted format to Barbrey & Associates and will then be shared with the local Barbrey & Associates office that you select during the application process. Corporate Opportunities: If you apply for a position at Barbrey & Associates home office, you will be asked to register and complete a personal profile to help match your career preference to available positions. The profile includes (but is not limited to) fields like contact information, work experience, skills, resume/CV, career preferences, education, and location. You may also create a personal profile to join our talent community. The profile includes (but is not limited to) contact information, areas of interest, employment history, and location preferences. You can opt-in to receive e-mail notifications of available positions, or you may view and search for available positions without creating a profile. We may also create a personal profile about you using publicly available information. If we do so, we will provide you with e-mail notice of the creation of such a personal profile and give you the opportunity to request deletion of the profile for purposes of contacting you about employment opportunities. Our corporate careers website is hosted and integrated with third-party service providers, and as a result, the information collected through the completion of a personal profile is shared with that service provider to help facilitate workforce management. When asked to participate you may be provided links to those service providers notices.
Retirement Calculator: When you request an estimate through the retirement calculator functionality, we will ask you to provide basic contact and financial information. We may share this information with the Barbrey & Associates of Companies to better fulfill your request and for internal marketing, customer relationship management, and servicing purposes.
Insurance Calculator: When you request an estimate through the insurance calculator functionality, we will ask you to provide basic contact and financial information. We may share this information with Barbrey & Associates to better fulfill your request and for internal marketing, customer relationship management, and servicing purposes.
Claims Experience: When you report a claim, we will ask you to provide personal information, medical information, contact information, occupation information (for disability claims), and product information to help facilitate the claims process. This information will be used for the claims process and sharing of this information will only occur in accordance with our Customer Privacy Notices.
Submissions: If you submit a request for us to contact you regarding new ideas you may have, we will ask you to provide basic contact information as well as details around your idea. We may share this information with Barbrey & Associates to review and evaluate your idea.
Other Forms and Interactive Features: Any other interactive forms or calculators on the Website are for informational purposes only. Barbrey & Associates does not track, retain or use any of the data input into these forms.
Hyperlinks
Our Statement applies solely to the Websites. The Websites may contain links to other Internet websites. Barbrey & Associates is not responsible for the content or privacy practices of these other websites, and these links do not imply an affiliation between Barbrey & Associates and the website owner, or any endorsement, approval, or verification of any content contained on other websites. The privacy policy of any other Internet website governs information about the collection, use, monitoring, and handling of personal information by that website.
The Websites may also contain links to the Barbrey & Associates pages of several third-party social media websites and additional links to third-party websites that may appear as a “like” or “share” button. When you click on any such links, the third-party website may send a session cookie or a persistent cookie to your computer. Please review the privacy policies of such third-party social media websites for information regarding their online privacy practices
Tracking Technology and Information
To enable us to continually improve on the content we offer you, as well as for systems administration purposes, we capture IP addresses and track your activity on the Websites.
To assist us in this process, the Websites use third-party website analytic services that use cookies and web beacons to collect various information regarding users’ use of the Websites, including daily unique visitors, page views, length of time of page views, page navigation paths, time of day of visits, browser type used by users, the Internet Service Provider used to connect to the Internet and the Websites, and the type of operating system used by users.
We also use third-party service providers to track information about the performance of the Websites. The services collect aggregated data from visits to the Websites to help troubleshoot any problems with performance, such as errors in Java Script code or page load times. We use this information to optimize your experience with the Websites. The collected data is information that Northwestern Mutual does not directly relate to a specific individual.
Our website analytic and performance services providers include (but are not limited to) the following:
- Google Analytics.You may review how Google uses information from websites that use its services and how Google safeguards your data To opt-out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on.
- Adobe Analytics. You may review Adobe’s privacy FAQ and learn more about Adobe’s privacy policy.
- Heap Analytics. You may review Heap’s privacy policy.
Google Maps is a third-party service we use to validate and normalize addresses entered by you into the Websites, with the exception of the Subsidiary Website, through an Application Program Interface, a technology that connects Google to the Websites and allows the limited exchange of information. This information is used and retained by us only for the purpose you enter the information, which may include combination with other identifying factors you enter into the Websites to fulfill your request to be connected with a Barbrey & Associates Financial Professional in your geographical area. By entering physical address attributes into the Websites, you agree to be bound by the Google Maps/Google Earth Additional Terms of Service.We do not track, obtain, or cache your location in any manner except with your prior consent, and you may revoke your consent at any time.
In addition, we partner with other third-parties, including third-party advertising networks and social media websites, to manage our advertising on other Internet websites. Our third-party partners may use cookies, web beacons, JavaScript tags, and other storage technologies to collect or receive information about an IP address, device type, date and time of visit, browser type, and your activities on those websites or elsewhere on the Internet and use such information to provide measurement services and targeted advertising for us.
Each third-party advertising network maintains their own database and protocols and the use of your information by such third-parties is governed by each third-party’s privacy policy. We do not share individual personal information with these third-party advertising providers. If you are interested in more information about interest-based advertising, please visit the Network Advertising Initiative’s Consumer Opt-Out Link or the Digital Advertising Alliance’s Consumer Opt-Out Link and learn how to opt-out of receiving interest-based advertising from companies that participate in those programs. We do not control these opt-out links and are not responsible for any choices you make using these mechanisms or the continued availability or accuracy of these mechanisms. For mobile devices, you can opt out of online interest-based advertising by turning off personal ads on iOS devices or opting out of ads personalization on Android devices.
Blog Disclosures
This commentary on this website reflects the personal opinions, viewpoints, and analyses of the Barbrey & Associates employees providing such comments, and should not be regarded as a description of advisory services provided by Barbrey & Associates or performance returns of any Barbrey & Associates Investments clients.
The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data, or any recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person.
Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Barbrey & Associates affiliates manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
Podcast & Youtube Disclosures
The opinions expressed in this program are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security.
It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results.
Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed professional.
Barbrey & Associates is not a registered investment adviser. Advisory services are only offered to clients or prospective clients where Barbrey & Associates and its representatives are properly licensed or exempt from licensure. No advice may be rendered by Barbrey & Associates unless a client service agreement is in place.
Changes and Revisions
We reserve the right to amend this Statement at any time at our sole discretion. Please look at the “Last Revised” legend at the top of this page to see when the last revision was made. Any changes will become effective when we post the revised Statement on the Websites or Services. Your use of the Websites or Services following these changes means that you accept the revised Statement.