Ceremian Financial

Legal

Privacy Policy

Effective Date: January 1, 2025

Ceremian Financial ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage with our services.

Information We Collect

We collect information you provide directly to us, including when you fill out a contact form, schedule a meeting, or submit a Fact Finder questionnaire. This may include your name, email address, phone number, and financial information necessary to provide advisory services. We may also collect information automatically when you visit our website, such as your IP address, browser type, pages visited, and time spent on the site.

How We Use Your Information

We use the information we collect to: • Provide, maintain, and improve our financial advisory services • Respond to your inquiries and schedule consultations • Send you relevant financial information, updates, and communications • Comply with applicable legal and regulatory obligations • Protect the security and integrity of our services

Information Sharing

Ceremian Financial does not sell, trade, or rent your personal information to third parties. We may share your information with: • Vanderbilt Financial Group and its affiliates in connection with the services we provide • Service providers who assist us in operating our website and conducting our business • Regulatory and legal authorities when required by law All third parties with whom we share information are required to maintain the confidentiality and security of your data.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze website traffic. You may disable cookies through your browser settings, though this may affect the functionality of certain parts of our site.

Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including the right to access, correct, or delete your data. To exercise these rights or for any privacy-related inquiries, please contact us at info@ceremianfinancial.com.

Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy, please contact us at: Ceremian Financial 610 Oak Drive Far Rockaway, NY 11691 info@ceremianfinancial.com 718-644-1594

Ceremian Financial

Ceremian Financial

A fiduciary financial Firm by Moshe Alpert. Advice built on experience. Wealth built for generations.

Vanderbilt Financial Group

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718-644-1594

610 Oak Drive

Far Rockaway, NY 11691

info@ceremianfinancial.com

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Ceremian Financial by Moshe Alpert is a marketing name used for doing business as a representative of Vanderbilt Financial Group and its affiliates. Vanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates.

The information provided on this website is for general informational purposes only and should not be construed as investment, tax, or legal advice, or as a recommendation to buy, sell, or hold any security. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. Please consult with qualified legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by third parties to provide information on a topic that may be of interest; the opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.

Securities and mutual fund orders can only be placed by phone or in person. Orders sent electronically—including via email, mobile, or other online platforms—will not be processed. Electronic communications sent to us constitute consent for two-way electronic communication. If you receive communications in error, please contact the sender immediately and delete all copies.

Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Clearing agent: Fidelity Clearing & Custody Solutions. Advisory Services offered through Vanderbilt Advisory Services & Consolidated Portfolio Review. Clearing agents: Fidelity Clearing & Custody Solutions and Charles Schwab. Insurance Services offered through Vanderbilt Insurance and other agencies. Ceremian Financial is not a registered investment adviser, broker-dealer, or insurance agency.

Vanderbilt Financial Group (VFG) uses Ethos ESG Research, an industry leader in driving ESG and Climate transparency through objective measuring and modeling of ESG characteristics. VFG and its affiliates support and promote Environmental, Social, and Corporate Governance ("ESG"), Socially Responsible Investing ("SRI"), and Impact Investing, but the Firm and its affiliates do not require or mandate that its financial professionals engage solely in related activities. Clients of the Firm and its affiliates are not required to adopt or invest in any specific security, strategy, or portfolio.

For additional information on services, disclosures, fees, and conflicts of interest, please visit Important Disclosures | Privacy Policy | SEC Rule 606 | Public BCP.

We take protecting your data and privacy very seriously. As of January 1, 2020, the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Moshe Nison L. Alpert is primarily licensed in New York and may be licensed in other states. License Information: CA License: 0M21420. Certified Financial Planner Board of Standards, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States. Individuals who meet initial and ongoing certification requirements are authorized to use these marks.

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