Disclosures

 Effective Date: January 2025

At Peak American Financial, we honor time-tested traditions by safeguarding your personal information with the same care and integrity that have guided our firm for generations. This Privacy Policy outlines how we collect, use, and protect the information you share with us when you access our website or engage our services. We are committed to maintaining your trust by adhering to established practices and the highest standards of privacy.

Personal Information:
When you choose to interact with us—whether by inquiring about our services, opening an account, or participating in our events—we may collect personal details such as your name, contact information, financial data, and other details necessary to provide tailored advisory services.

Non-Personal Information:
We also gather non-identifiable information, such as browser type, device details, and usage statistics, to enhance your experience and improve our website and services.

Cookies and Similar Technologies:
In keeping with traditional methods of providing a personalized online experience, our website uses cookies and similar technologies to remember your preferences and assist with site navigation. These tools help us deliver a more efficient and secure browsing experience.

To Provide and Improve Our Services:
Your information is essential in helping us deliver personalized financial advice and support. We use it to process your inquiries, manage your account, and continuously improve the services we offer.

Communication:
We may use your information to send you updates, newsletters, and other communications about our services. We value open, ongoing communication and will only reach out with information we believe is relevant and beneficial to you.

Legal and Regulatory Compliance:
Your data may also be used to comply with legal obligations, regulatory requirements, and industry standards, ensuring that our practices remain transparent and trustworthy.

With Trusted Service Providers:
To facilitate our operations, we may share your personal information with reputable third-party service providers who are contractually bound to safeguard your data. These partners assist us in areas such as IT services, data analytics, and customer support.

For Legal Reasons:
We may disclose your information if required by law or in response to valid legal requests, ensuring that any such disclosure is handled with the utmost respect for your privacy.

In Business Transactions:
In the event of a merger, acquisition, or sale of company assets, your information may be transferred as part of the transaction. Rest assured, all such transfers will be managed in accordance with this Privacy Policy and with the longstanding commitment to your confidentiality.

At Peak American Financial, protecting your data is a responsibility we take to heart. We employ robust technical and organizational measures designed to safeguard your personal information against unauthorized access, alteration, or destruction. Our approach reflects the enduring principles of diligence and prudence that have defined our legacy.

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Once the information is no longer needed, it will be securely disposed of in a manner consistent with industry best practices.

You have the right to access, correct, or request deletion of your personal information. Additionally, you may opt out of receiving communications from us at any time. To exercise these rights or if you have any questions about your data, please contact us using the details provided below.

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If it comes to our attention that we have inadvertently gathered such information, we will promptly take steps to delete it.

In our commitment to transparency, we may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We encourage you to review this policy periodically to stay informed about how we protect your information.

If you have any questions or concerns about our Privacy Policy or our practices regarding your personal data, please reach out to us:

Peak American Financial
2800 Dallas North Tollway, Suite 360
Plano, Texas 75093
Email: info@peak-team.com

At Peak American Financial, we remain dedicated to preserving your privacy while honoring the enduring values that have always underpinned our service. We appreciate the trust you place in us and are committed to protecting your information as carefully as we have safeguarded our traditions.

Each of our Financial Advisors are Investment advisory representatives (IARs). Each are licensed professionals who work for investment advisory companies and provide personalized investment advice and financial planning services to individuals and businesses. They play a crucial role in helping clients navigate the complex world of investing.

To become an IAR, candidates must pass licensing exams. 

• They must register and pass credentialing exams certified by the Financial Industry Regulatory Authority (FINRA) and other regulatory agencies. They typically complete at least the Series 63 and Series 65 exams, though requirements vary by state. Once licensed, IARs must register with the U.S. Securities and Exchange Commission (SEC) or state securities regulators.

Retirement Specialists are not IARs.

Investment advisory services are offered through Peak American Financial. We are proud to be an SEC‑registered investment adviser—a designation that reflects our long‐standing commitment to maintaining the highest standards of integrity and expertise. Please note that SEC registration does not imply an endorsement by the Commission, nor does it guarantee any specific level of skill or ability. We are authorized to conduct business only in the states where we are registered or where we qualify for an exemption or exclusion from registration requirements.

Our website (for example, www.peakamericanfinancial.com) is designed to provide general information about our advisory services, along with additional investment-related resources, publications, and links. The content on our website should not be interpreted as a solicitation to buy or sell securities or as a substitute for personalized investment advice offered for compensation over the Internet. Should you engage in further communication with us, a properly registered representative in your state will provide personalized guidance.

In using the tools and resources on our website, please understand that the information offered is for convenience only and is not a replacement for individualized advice. We do not warrant the accuracy, timeliness, suitability, completeness, or relevance of any information provided by unaffiliated third parties, whether linked to or incorporated within our website.

Certain sections of our Website—such as newsletters, articles, and commentaries—may present opinions or positions as of a specific date. Given that market conditions and circumstances change over time, such information may not reflect our current views. Moreover, nothing on our website should be taken as legal, accounting, or tax advice, as Peak American Financial is neither an attorney nor an accountant.

By accessing our website, you agree to hold harmless Peak American Financial, along with its officers, directors, employees, and agents, from any adverse consequences resulting from actions or omissions that are independent of any personalized advice provided by our firm.

Our dedicated personnel possess the professional designations and educational backgrounds highlighted on our website, and Peak American Financial is a proud member of several respected industry organizations. Should you wish to learn more about the qualifications of our investment adviser representatives, we invite you to request a copy of our Brochure Supplements.

Terms & Conditions of Use

These Terms & Conditions of Use form a binding agreement between you and Peak American Financial (“we,” “us,” and “our”). By accessing our website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. If you do not agree with these terms, we kindly ask that you refrain from using our website. We reserve the right to update or amend these terms at any time in keeping with our commitment to transparency and the time-honored practices of our industry.

Access to the Website

We grant you a non-exclusive, non-transferable limited license to access and use our website for personal purposes only. You may not download (except for temporary caching) or modify any portion of the Website without our prior written consent. The use of any automated systems or tools (such as robots or spiders) to monitor or access the Website is expressly prohibited. We reserve the right to terminate this license at our discretion.
 

Policies Governing Use of the Website
 

• Links to the Website: You are not permitted to frame, link, or display our website or any of its portions in a way that suggests it is part of another website.
• Privacy Policy: Your use of the Website is subject to our Privacy Policy, which outlines how we collect, use, and protect your information.
• Links to Other Websites: Our Website may include links to third-party websites. We do not control and are not responsible for the content, accuracy, or opinions expressed on these sites, and linking to them does not imply our endorsement. You acknowledge that we are not liable for any damages or losses arising from your use of such third-party websites.

Disclaimer of Warranty; Limitation of Liability
 

• Disclaimer of Warranty: Your use of our website is entirely at your own risk. The Website is provided on an “as is” basis without warranties of any kind, whether express or implied, including but not limited to warranties of title, merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free access and will not be held responsible for any interruptions, errors, or issues arising from your use—even in cases of negligence.
• Limitation of Liability: In no event shall Peak American Financial be liable for any special or consequential damages, whether direct or indirect, arising from your use or inability to use our Website—even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of incidental or consequential damages, so the above limitation may not apply to you.

Miscellaneous
 

• Prohibited Uses: You agree not to use our website in any manner that violates any applicable law or regulation, or to facilitate any such violation. Prohibited conduct includes invading the privacy of others, impersonating individuals, or transmitting abusive, defamatory, or harassing material.
• Choice of Law; Jurisdiction: These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Texas, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Collin County, Texas.
• Severability: Should any provision of these Terms & Conditions be deemed invalid or unenforceable, that provision will be treated as separable and will not affect the validity or enforceability of the remaining provisions.
• Survival: Any provisions intended to survive the termination of these Terms & Conditions will remain in full force and effect.
• Entire Agreement: These Terms & Conditions, along with any policies referenced herein, represent the entire agreement between you and Peak American Financial regarding your use of our website.

At Peak American Financial, we take pride in our enduring traditions and the reliable, time-tested principles that have guided our service over the years. We encourage you to explore our website with confidence, knowing that our commitment to excellence remains as steadfast today as it has always been.

The content provided by Peak American Financial is developed from sources we believe to be accurate and reliable. However, this material is offered solely for informational and educational purposes and is not intended as tax or legal advice. We encourage you to consult qualified legal or tax professionals regarding your individual circumstances. Certain materials have been created to share general insights and should not be construed as a solicitation to buy or sell any security. Please note that Peak American Financial is not affiliated with any named representative, broker-dealer, or SEC‑registered investment advisory firm.

Advisory Services Advisory services are provided through Peak American Financial, located at 2800 Dallas North Tollway Suite 360, Plano, Texas 75093. As a registered investment advisor with the U.S. Securities and Exchange Commission, we conduct business only in states where we are properly registered or where we qualify for an exemption from registration requirements. Registration does not constitute an endorsement by the SEC, nor does it imply that Peak American Financial has attained any particular level of expertise.

General Information The financial professionals associated with our firm are registered to offer advisory services in select states. We engage with residents of other states only after ensuring compliance with applicable licensing and registration requirements. The information presented on this website is intended for U.S. residents and is provided for educational purposes only; it should not be viewed as a complete analysis of the subjects discussed. Our discussions and responses are designed to offer general information and do not constitute personalized investment advice. We encourage you to consult a professional advisor before implementing any strategies discussed herein. 

Additional Disclaimers Any affiliates or separate entities associated with Peak American Financial operate independently. This website is for informational purposes only and should not be considered a solicitation to transact business in any jurisdiction where Peak American Financial is not duly registered or exempt from registration as an investment advisor. Because email communications may be subject to delays, please refrain from sending orders to buy or sell securities or from transferring funds via this system. Peak American Financial assumes no liability for transactional messages sent by email.