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PRIVACY POLICY for J.D. Mellberg Financial and all its divisions, subsidiaries and related companies (“Website”)

Last Updated 7/31/2015.

Welcome to J.D. Mellberg Financial. J.D. Mellberg Financial Website provides this Privacy Policy to help users make a more-informed decision as to whether to use or continue using the Website, and to outline important information regarding the use and disclosure of information collected via the Website. By using the J.D. Mellberg Financial Website, you are accepting the practices we describe herein. Those who choose to access the Website agree to do so on their own initiative and at their own risk, and are responsible for complying with all applicable laws, rules and regulations.

Website reserves the right to change, modify, add, or delete provisions of this Privacy Policy at any time. Please check back frequently for updates as it is your sole responsibility to be aware of all changes and to be familiar with the most current version of our Privacy Policy. Website does not provide notices of changes in any manner other than by posting the changes on this page of the Website. Changes are effective upon posting. If you do not agree with the terms of this Privacy Policy, please refrain from providing any information to Website and from using the Website or any of the services or products offered through or provided on the Website. To help determine whether the Privacy Policy has changed since your previous visit to the Website, please reference the “Last Updated” date at the top of this page.

Please read this Privacy Policy carefully. Your use of this Website constitutes your acceptance to be bound by this Privacy Policy without limitation.


Website collects information from individuals by various methods, including, but not limited to, when an individual voluntarily signs up at the Website to receive offers from Website and any third parties with whom Website may contract at its sole election and in its sole discretion.

Website gathers both personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) (collectively PII and Non-PII are referred to herein as “Information”). PII is information that identifies or can identify you as an individual. Non-PII is generally demographic information and other aggregated information that does not reveal your specific identity.

When you visit this Website, Website and third parties with whom Website may partner or contract collect Information through the Website, including but not limited to each visitor’s Internet protocol address. Additionally, cookies are used to collect Information about visitors. We may use this Information as Non-PII or we may link it to PII for use as PII, as in the case of linking your IP address to PII. We may also collect information concerning you from a third party source and use that information in combination with Information provided by you or otherwise collected on the Website. If you do not want Information collected through the use of cookies, you should be able to modify your browser preferences and/or settings to provide you with choices related to cookies. Please note that if you choose to reject cookies, you may be unable to use certain services provided by this Website. Website and its third party service providers may also use pixel tags, web beacons, clear GIFs and other similar technologies in association with some pages of the Website and in certain HTML email messages to collect Information.


We may use Information for any purpose and reserve the right to share Information with third parties for any purpose. We may sell, rent, license, or transfer Information to third parties for any purpose in our sole discretion. We may combine Non-PII with PII and we may share any and all of your Information with third parties.

Among other uses, Website uses Information, including but not limited to your email address, to provide promotional offers to you on behalf of third parties. Website may maintain separate email lists for different purposes. If at any time you wish to end your email subscription from a particular list, please follow the instructions at the end of the email message to unsubscribe from the particular list. For assistance with any Website unsubscribe request, please email us at Please note that it may take up to 10 days for us to process your opt-out request.

Even if you have unsubscribed from receiving promotional emails from us, we reserve the right to send you other types of important e-mail communications as permitted by law because of a business relationship with you, notwithstanding any previous opt-out request (as, for example, in the case of administrative notices). Please note that opting out of receiving promotional email communications will affect only future communications from Website. If we already provided your Information to a third party before you opted out from Website, you may have to change your preferences (i.e., opt out) directly with that third party as well.

We also may disclose your PII and PI Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from law enforcement or another government agency, or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us in our sole discretion.


We recognize that the security of the Information you provide to us is important. Though we take every precaution to help ensure that security, we cannot guarantee that Information supplied by visitors to the Website will be secure at all times. We assume no liability for any damages you may suffer as a result of interception, alteration or misuse of Information provided to us. If you have reason to believe that there has been any breach of the security of the Website, please contact us immediately at


By submitting personal contact information through the Website, you are granting written permission to Website, its business partners, and any third parties with whom Website contracts to be contacted via telephone, voice broadcasts, postal mail, SMS text message (standard text messaging charges may apply), and/or email.


The Website and Website email correspondences may contain links to third-party Internet websites, which are not owned or operated by Website. We provide such links only as a convenience, and the inclusion of a link on the Website or in an email does not imply endorsement of the linked site by Website. If you provide any PII through any such third-party website, your transaction will occur on such third party’s website (not J.D. Mellberg Financial Website) and the PII you provide will be collected by, and controlled by the privacy policy of, that third party.

We are not responsible for the privacy practices or the content of such third-party websites, including such websites’ use of any PII that you provide to them. We strongly encourage you to become familiar with the privacy practices of those third party websites.


If you have any questions concerning this Privacy Policy, you may send them by email to Please be advised that email communications may not be secure, so we suggest that you not transmit sensitive information or PII in your email correspondence(s) with us.


If you are a California resident, you have the right to request additional information about our usage and sharing of certain categories of PII with third parties. California law gives you the right to send us a request to divulge the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year, the names and addresses of the third parties that received that information, and, if the nature of the third party’s business cannot be determined from their name, examples of the products or services they marketed. We may provide you this information in a standard format that is not specific to you. The designated email address for any such requests is


The Website is not directed to or intended for individuals under the age of thirteen (13), and we request that such individuals not provide PII through the Website. Website will never knowingly collect any PII about children under the age of thirteen (13). If Website obtains actual knowledge that it has collected PII about a child under the age of thirteen (13), that PII will be immediately deleted by Website. Since Website will never knowingly collect such PII, Website has no such information to use or to disclose to third parties. Website has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).


By using this Website, visitors from outside of the United States of America (“USA”)acknowledge that this Website is subject to the laws and regulations of the USA, and waive any and all claims that may arise under any laws outside of the USA. Anyone using the Website outside of the USA acknowledges and consents to the collection and storage of personal information by Website outside of their country and in the USA. J.D. Mellberg Financial, its owners and affiliates are not licensed to transaction insurance or any business outside the U.S. and product types discussed on Website may not be available outside the U.S.

Technical Definitions

cookies: A cookie, also known as an HTTP cookie, web cookie, or browser cookie, is usually a small piece of data sent from a website and stored in a user’s web browser while a user is browsing a website.

pixel tag: A pixel tag is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.

web beacons: A web beacon is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.

clear GIF: A clear GIF is an object that is embedded in a web page or email and is usually invisible to the user but allows checking that a user has viewed the page or email.