Privacy Policy

Last Updated: February 2026

Golden Mean Financial Services (“Golden Mean Financial Services,” “GMFS,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, www.goldenmeanfinancialservices.com, attend our educational seminars, or engage with us for financial planning and related services (the “Services”).

By using our website or providing personal information to us, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue using the website.

1. Information We Collect

We may collect personal information in several ways:

A. Information You Provide Directly

This includes information you voluntarily share when you:

  • Request an appointment

  • Attend a seminar or webinar

  • Complete a response sheet or financial forms

  • Contact us through the website

  • Sign up for newsletters or email communication

  • Engage in financial planning discussions

This may include:

  • Name

  • Email address

  • Phone number

  • Mailing address

  • Preferred contact method

  • Date of birth

  • Employment and marital status

  • Financial information relevant to planning (assets, income, retirement accounts, insurance, liabilities)

  • Social Security information that you authorize us to review

  • Any additional information you choose to provide

B. Information Collected Automatically

When you visit our website, we may automatically collect:

  • IP address

  • Browser type and version

  • Device information

  • Pages visited and time spent

  • Referring pages

  • General location based on IP

  • Cookies and tracking pixels

This helps us understand how visitors use the site and improve performance.

C. Information from Third Parties

We may receive information from:

  • Event registration tools

  • Appointment-booking platforms

  • Marketing partners

  • Public databases

  • Financial institutions you authorize us to contact

  • Tools you ask us to access (e.g., ssa.gov login information you provide for Social Security analysis — we do not store your passwords)

2. How We Use Your Information

We use your information to:

  • Provide customized financial planning, retirement income strategies, Social Security optimization, tax-efficient planning, and insurance solutions

  • Schedule, confirm, and manage appointments

  • Communicate with you about your consultation, plan, or follow-up

  • Prepare personalized reports (such as Social Security analysis)

  • Improve our website and service experience

  • Send newsletters, seminar invitations, and educational content

  • Meet compliance, regulatory, and legal obligations

  • Protect our business, clients, and the security of our systems

We do not sell your personal information.

3. Cookies and Tracking Technologies

Our website may use cookies, pixels, and similar technologies to:

  • Improve functionality

  • Analyze website usage

  • Understand visitor behavior

  • Enhance the user experience

You can modify your browser settings to refuse cookies, but some features of the website may not function properly.

4. How We Share Your Information

We may share information with:

A. Service Providers

Trusted service providers who assist with:

  • Email communication

  • Marketing tools

  • Appointment software

  • Data storage

  • Website analytics

These third parties are required to protect your information.

B. Financial Institutions

With your authorization, we may share information necessary to:

  • Request policy illustrations

  • Evaluate annuities, insurance, or retirement accounts

  • Prepare financial planning scenarios

C. Legal/Regulatory Authorities

We may disclose information if required by:

  • Law

  • Court order

  • Regulatory authorities

  • Compliance and audit needs

D. Business Transfers

If GMFS undergoes a merger, acquisition, or asset transfer, your information may be part of that transaction under confidentiality protections.

5. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. However, no method of transmission over the internet is 100% secure.
While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your information as long as necessary to:

  • Provide services

  • Maintain client records

  • Meet legal and regulatory requirements

  • Resolve disputes

  • Support compliance and audit processes

When no longer needed, information is securely deleted or de-identified when feasible.

7. Your Choices and Rights

You may:

  • Update or correct your information by contacting us

  • Request to unsubscribe from marketing emails

  • Limit the data you provide (note: limited data may affect our ability to provide certain services)

Depending on your location, you may have additional rights regarding access, deletion, or restrictions of your personal data under applicable privacy laws such as CCPA.

8. Third-Party Links

Our website may contain links to third-party websites such as government portals or financial institutions.
We are not responsible for the privacy practices of those sites.
We encourage you to review their policies before providing personal information.

9. Children’s Privacy

Our website and services are not intended for children under 13.
We do not knowingly collect personal information from children.
If we learn that we have inadvertently collected information from a child under 13, we will promptly delete it.

10. Changes to This Privacy Policy

We may update this policy periodically.
When updates occur, the “Last Updated” date at the top of this page will change.
Your continued use of the website indicates acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact:

Golden Mean Financial Services
21515 Hawthorne Blvd.
Torrance, CA 90501
Phone: (949) 872-6219
Email: mtrottier@goldenmeanfinancialservices.com