Privacy policy

Advisers Give Back, Inc.

Effective date: October 11, 2026

Version: 2026-10-11

Earlier versions: see Appendix C.

We publish this policy in English and Spanish. Both versions are official. If they ever seem to say different things, we follow the one that’s better for you.

The short version

This is a summary. The full policy below has the details.

• We’re a nonprofit, and we never sell your information. Advisers Give Back (AGB) matches people and families with volunteer financial advisers for free, one-on-one help by phone. We don’t sell or rent your information to anyone.
• What we ask. Your name, email, phone number and ZIP code, and general questions about your money and goals, like your income range and the kinds of debt you have. Questions about things like gender, race and public benefits are optional. We never ask for your Social Security number, ITIN, bank account numbers or passwords.
• Who sees it. Your adviser, so they can get ready to meet you. A small AGB team, to run your meetings and help you. And companies that run our systems for us, like Intercom (messages and records), Twilio (calls and texts) and Google (email and calendar invitations). Today, your adviser’s app also gets your full name, email address and phone number.
• Partners see only totals. If a library, employer or other group sent you to us, they see only totals, like how many people signed up. They never see your name or your answers.
• Calls come through our line. Your adviser calls you through our phone line, so your phone shows our number. We don’t record meetings. If that ever changes, we’ll ask you first, and you can say no.
• Texts and email. We text and email you about your meetings. Reply STOP to a text to stop texts from that number, or email us to stop all our texts. If you stop texts, email us to confirm your meetings, or they may be canceled. Message and data rates may apply. We never send you ads or sales offers.
• AI. Our team uses AI tools, including Claude by Anthropic, to help study our records and improve the program. AI never decides whether you get help, who your adviser is or what advice you get.
• Your choices. Email [email protected] to see, get a copy of, fix or delete your information, or to stop messages. It’s free, and it never changes the help you get. A person on our team replies within 5 business days and finishes each request within 30 days, in English or Spanish.
• Time limits, and if something goes wrong. We’ve set time limits for keeping the main kinds of information (section 13). If someone gets into your information without permission, we’ll tell you within 30 days of finding out.

Questions? Email [email protected].

1. Who we are and what this policy covers

Who we are

Advisers Give Back, Inc. (“AGB,” “we,” “us”) is a California nonprofit corporation based in Oakland, California. We’re a public charity, tax-exempt under section 501(c)(3) of the Internal Revenue Code.

What AGB does. AGB reviews and approves volunteer financial advisers, matches each person who signs up with one, and sets up their meetings. Each adviser gives personal financial advice, on their own professional responsibility, as a volunteer in AGB’s program. AGB itself doesn’t give financial advice, manage money or sell anything.

AGB is the organization responsible for your information under this policy.

Our mailing address is Advisers Give Back, Inc., 490 43rd Street, Suite 350, Oakland, CA 94609.

What this policy covers

This policy explains what information we collect, how we use it, who sees it, how long we keep it, and the choices you have. It covers all of AGB’s services:

• our website, advisersgiveback.org, in English and Spanish, including our partner pages, our campaign pages (like the Golden State Opportunity, or GSO, pages), our Donate and fundraising pages, our Money guides, our impact dashboard and our podcast, The Judgment Layer;
• our sign-up forms, and our meeting, booking and to-do pages, wherever they are hosted;
• the adviser app and our application for volunteer advisers;
• our phone line, and the texts, emails and chat messages we exchange with you;
• our webinars;
• our feedback forms and surveys;
• the reports and dashboards we share with partners, funders and firms; and
• any test or preview version of our tools that we invite people to try.

In this policy, “our service” means all of these.

What it doesn’t cover

• Other organizations’ websites and apps, even when we link to them, like a partner’s own website.
• The companies that process donations under their own privacy policies (section 18).
• Zoom, Spotify, Apple Podcasts and YouTube, which have their own policies.
• Your adviser’s employer. Your adviser volunteers with AGB. Their firm isn’t part of your meetings and doesn’t get your information from us.
• Our own staff’s employment records.

This policy and our Terms of Use

Our Terms of Use explain the rules for using our service. This policy explains how we handle information.

2. What we collect

We get information in three ways: when you give it to us, when you use our service, and from others, like a partner that sent you to us. What we collect depends on who you are.

2.1 If you sign up for help

When you sign up. Our sign-up form, in English and in Spanish, is run for us by a company called Typeform. It asks for:

• your name, email address, mobile phone number and ZIP code;
• your age range, who lives in your household and your relationship status;
• your household’s yearly income range and savings range, so we can check that you qualify;
• your money goals; the kinds of debt you have, how many credit cards carry a balance, and how you’re paying debt down; the kinds of accounts you have, including health insurance; and whether you have $1,000 set aside;
• public benefits you get, if any, like SNAP, Medicaid, SSI, housing help, help with energy bills (LIHEAP), the Earned Income Tax Credit or unemployment;
• what you’d like in an adviser, including someone who speaks your language or shares your background;
• where you get money advice now, how much you feel you know about money, and any plans for a tax refund or bonus;
• whether you have a smartphone, and how often you’d like texts and emails;
• whether you might like to give later. Giving is optional and never expected; and
• your gender and your race or ethnicity, if you choose to tell us.

On our GSO page in Spanish. If you ask for a meeting on that page, we ask for your name, email address, mobile number, the best time to reach you and the help you want. We also ask your OK to send you texts and emails, and we note the page and link that brought you. Our team gets an alert in Slack.

When you meet with an adviser. We keep:

• your meeting times, confirmations, changes, cancellations and missed meetings;
• which adviser you’re matched with;
• notes your adviser writes about your meetings, and the next steps (to-dos) you set together;
• emails you send your adviser through our address, [email protected], and any files you attach; and
• a record that each call happened (section 6).

When you talk with us. We keep your texts, emails and chats with our team, and your replies to our texts, like Y to confirm a meeting.

When you give feedback. After a meeting, we ask how it went. We keep your answers, like:

• how likely you are to recommend us, how you feel about your money now, and how well your adviser understood you;
• what your adviser could have done better, and any private note to our team;
• a thank-you note for your adviser, if you write one; and
• whether we may share your words to help others find AGB.

We may also ask you to take a survey about our program. Taking part is always optional. If you tell us a meeting felt wrong, we keep what you tell us and what we did about it.

Information we get automatically. When you use our sign-up pages, meeting pages, chat or emails, we and the companies that run them may get:

• your device and browser type, and your approximate location, like your city, based on your internet address;
• when you visit, and whether you open our emails or click their links; and
• which partner, if any, sent you to us (a “partner code” in your link).

Information from others.

• If a partner sent you, your link tells us which partner.
• Golden State Opportunity (GSO) may send you an email with a link to us. That link may include your email address, so the sign-up form can fill it in for you.

2.2 If you don’t qualify yet, or don’t finish signing up

• If you start signing up and stop, the sign-up form may keep the answers you already gave.
• If you’re over our limits, you can find a financial adviser through free directories, like CFP Board’s Let’s Make A Plan and NAPFA’s Find an Advisor. We don’t send your details to any adviser.

2.3 If you volunteer as an adviser, or apply to

We collect your contact details, your professional background, your application answers and your activity as a volunteer. Section 17 explains it all.

2.4 If you work with us as a partner, employer, funder or firm

• Partner applications. Your organization’s name, website and type; who it serves, in which languages and places; how many people it reaches and how; your name, role, email address and, if you give it, phone number; your notes; your logo; and whether we may show your organization’s name and logo. We keep a history of changes to the application.
• Forms and surveys. If you fill in one of our feedback forms or surveys for partners, firm leaders or advisers, we keep your answers, name and email address.
• Meetings with our team. If you book time with our executive director, Calendly gets your name, email address and the time you pick. If we meet by video, we may use an AI note-taker, Fathom, to record and summarize the meeting. We’ll say so at the start, and you can ask us not to.
• Page previews. A cookie lets a partner’s team see their page before we publish it. It lasts 24 hours.
• Funders. We keep your organization’s details and your staff’s contact information.

2.5 If you give to AGB

See section 18.

2.6 If you visit our website, join a webinar or listen to our podcast

• Website visitors. We count visits with a tool that doesn’t use cookies. Section 11 lists every tool on our website, including the ones that do. If you use the chat on our website, we keep what you write, and your email address if you give it.
• Webinar guests. If you sign up for a webinar, Zoom collects your first name, last name and email address for us. Our webinars are recorded. We send the recording to everyone who signed up, and we may post it on our website. If you speak or type in the chat or Q&A, it may be in the recording.
• Money guides by email. If you ask us to email you a guide, we keep your email address, the guide you asked for, and the page and partner you came from. We send you news only if you check a separate box asking for it.
• Money guide ideas. If you suggest a Money guide on our website, Claude, an AI tool made by Anthropic, reads what you wrote to turn it into a short topic for our list, point you to a guide we already have, or leave it out (section 8). We keep the topic, never your words. To stop repeat votes, we keep a code made from your internet address, not the address itself, for one day, then delete it.
• Podcast listeners. Our podcast pages have no analytics and no forms. Your browser remembers where you stopped listening. If you listen on Spotify, Apple Podcasts or YouTube, their privacy policies apply.

2.7 People you tell us about

Please let people know before you give us their details.

• Organizations you suggest. If you tell us about an organization that could use our help, we keep its name, any contact details you give us, and your note. If you’re a client, we note on your record that you made the suggestion.
• Someone to cheer you on. Our sign-up form has asked for a friend or family member who could help keep you on track. If you named someone, we kept their name and contact details.

If we have your information because someone else gave it to us, you can ask us to delete it (section 14).

3. Sensitive information, and why we ask

Some information is more personal than most: details about your money, help you get from the government, hard times you’re going through, your health, your gender, your race or ethnicity, and groups you belong to. We ask only for what helps us help you. You can skip any optional question. Skipping never changes whether you can get help.

If you’d like an adviser of a certain gender, or one who speaks your language or shares your background, you can ask for that. We’ll try, but we can’t always promise it.

We never ask for your Social Security number, ITIN, bank account numbers or passwords. We never ask about your immigration status.

Some answers can touch on your health, like health insurance or a disability.

4. How we use information

We use information to:

• Match you with an adviser and run your meetings: check that you qualify, find you an adviser, book and confirm meetings, send reminders, connect your calls, and pass emails between you and your adviser.
• Help your adviser prepare, so you don’t have to tell your story twice.
• Help you when you write, text or chat with us.
• Keep people safe and the program honest: review advisers, look into concerns, and stop fraud or misuse.
• Learn and improve: read feedback and survey answers, coach advisers, and study our records to make the program better. When we coach an adviser using feedback, we don’t say who said what, and we raise a pattern only after at least 3 clients mention it.
• Report our results in totals to the public, our partners and our funders.
• Raise money, so more people can get help. Our help is always free. A gift pays it forward: it helps fund someone else’s meeting. We thank donors and send their receipts. Our sign-up form asks whether you might like to give later. Giving is optional and never expected, and it never changes the help you get.
• Follow the law: keep tax records and answer legal requests (section 19).

If we want to use information we already have for something new, we’ll ask you first (section 22).

What we never do

• We never sell or rent your information.
• We never give lists of our clients, donors or volunteers, or their contact details, to anyone for their marketing.
• We never send you ads or sales offers. We may tell you about free help from other organizations, like free tax preparation or credit counseling.
• We never show ads on our website or in our apps.
• We never give a partner, employer, funder or firm information about you as a person: not your name, not your answers, not what you talk about, and not whether you’re still meeting.
• We never use your information to decide whether you get credit, a loan, a job, insurance or housing.
• We never let AI decide whether you can get help, who your adviser is, what advice you get, or how we handle a concern.
• We never ask for your Social Security number, ITIN, bank account numbers or passwords, or about your immigration status.

5. Who sees your information

5.1 Your adviser

Your adviser sees what they need to get ready to help you: your sign-up answers and goals, your to-dos, their notes, your meeting history, and emails you send them through us. Today, your adviser’s app also gets your full name, email address and phone number, and it shows your number in case a call through our line doesn’t connect. It also gets all of your sign-up answers, including your gender, your race or ethnicity, and your answer about giving, if you gave them. If you’d rather your adviser not see an answer, skip it, or ask us to remove it.

Your adviser doesn’t see your ratings, your private notes to our team, or a concern you raise about a meeting. Your adviser does get thank-you notes you write for them.

Our rules require your adviser to keep what you share private.

If your adviser deletes their adviser account, their notes about your meetings, the emails between you, and your meeting history with them are deleted too. Your account and your to-dos stay.

5.2 Our team

A small AGB team can see your information when their work needs it: our executive director, our client support lead, and the contract engineers who build and run our systems. They use it to run your meetings, answer your questions, look into concerns and keep our systems working.

Some of our texts and emails are signed with a team member’s name but sent automatically.

5.3 Companies that work for us

We use other companies to run parts of our service. They may use your information only to do that work for us, under contracts that require them to protect it. The main ones are:

• Intercom: our client records, and our texts, emails and chat;
• Twilio: our phone line and our texts;
• Amazon Web Services (AWS): our main database and file storage;
• Google: our email, calendar invitations and staff accounts;
• Typeform: our sign-up forms and volunteer application;
• Netlify and Neon: our website, our newer tools, and some forms and records;
• Cloudflare: delivering and protecting our website;
• Zapier and Zendesk: each time a meeting is booked, our system sends Zapier the client’s ID, email address, first name, top goal and mobile number, for a support tool.

Appendix A lists the companies we use, what each does for us and what it receives.

5.4 Partners, employers, funders and firms: totals only

Many people come to us through a partner, like a library, a school district, an employer or a community group. Partners, employers and funders see only totals, like how many people signed up, how many met an adviser and how they rated their meetings. They never see your name or your answers, what you talked about, or whether you’re still meeting. If your employer offers AGB, your employer never learns from us whether you signed up or met with an adviser.

In most reports, we hold back any number about fewer than 10 people, so no one can be picked out. A few numbers use smaller groups today. For example, our Bay Area map names cities with 5 or more sign-ups, and our impact dashboard shows some breakdowns, like race and ethnicity, without that limit.

Your adviser’s firm never gets information about you. What firms see about their own advisers is in section 17.

5.5 The public

Section 12 explains what we publish.

5.6 With your permission

You can ask us to share your information with someone, like a family member or a caseworker who’s helping you. You can also say yes to a specific use, like sharing your words. Either way, we share only what you asked, and nothing more.

5.7 When the law requires it, or to keep someone safe

See section 19.

5.8 If AGB changes

AGB might someday join with another organization, or hand its work to one. If so, we’ll pass on information only to a nonprofit that agrees to follow this policy, and we’ll tell you first. If AGB closes, we’ll delete your information, or remove what identifies you, unless the law requires us to keep it.

6. Phone meetings and call recordings

How calls work. At your meeting time, your adviser calls you through our phone line, which Twilio runs for us. Your phone shows our number, not your adviser’s.

Today, your adviser’s app also shows your phone number, in case a call doesn’t connect. If your adviser calls you directly from their own phone, you’ll see their number.

What we keep about calls. We keep a record that your meeting happened. Twilio keeps a log of each call, like the phone numbers, the time and how long it lasted, as phone companies do.

We don’t record meetings. If that ever changes, it will be your choice: we’ll ask you first, and you can say no.

7. Text messages and email

Texts

What we text about. If you gave us your mobile number, we text you about your meetings. Before each meeting, a text asks you to reply Y to confirm or N to cancel, and if you don’t reply, we ask again. If you still haven’t replied about 10 hours before the meeting, we cancel it and text you to say so. We also text you if something changes, like an adviser who has to cancel. We may send a welcome text, and we reply when you text us. For now, our texts are in English only.

Your OK. Today, we send these texts to the mobile number you gave us when you signed up. You can stop at any time.

How many. Message frequency varies: up to about 10 texts for each meeting. Message and data rates may apply.

Who sends them. Twilio carries our texts. Meeting confirmations and reminders can come from either of our toll-free numbers, (888) 231-4042 or (833) 600-1344. We also write some texts in Intercom, the tool that runs our support messages, like replies from our team. Those can come from another AGB number.

Stopping texts. Reply STOP to any text, and we’ll stop texting you from that number. UNSUBSCRIBE, STOPALL and CANCEL work the same way, so to cancel just one meeting, reply N, not CANCEL. To get texts from that number again, reply START or UNSTOP. You can also tell us another way, like by email, and we’ll stop within 10 business days at most. Reply HELP for help, or email [email protected].

Our texts come from more than one system today, so replying STOP to one number may not stop texts from another. Email us, and we’ll stop them all.

Stopping texts doesn’t close your account. But after you reply STOP, we can’t text you from that number to confirm your meetings, so a meeting you haven’t confirmed may be canceled. To keep it, email us at [email protected] before your meeting. Our Terms of Use explain how we confirm meetings.

Your number stays with us. We never sell, rent or share your mobile number, or your OK to get texts, with anyone for their marketing. Twilio and Intercom use them only to send our messages.

Email

What we email about. We email you about your account and meetings: calendar invitations for your meetings (from Google Calendar), messages from our team, and invitations to give feedback or take a survey.

Emails with your adviser. To email your adviser, you write to [email protected]. We pass your email to your adviser and keep a copy, with any attachments.

News and fundraising. If you’ve signed up for help, we never send you fundraising emails or texts, or offers from other organizations. Our sign-up form asks whether you might like to give later (section 4). We send you news only if you say yes, and every news email has an unsubscribe link and our mailing address.

Messages you can’t turn off. While you have an account with us, we’ll still email you about things you need, like changes to your meetings.

We’ll never ask for a password. We’ll never email or text you to ask for a password, your Social Security number or your bank login. If you get a message like that, and it says it’s from us, don’t answer it. Tell us at [email protected].

8. AI tools

“AI” means computer programs that can read and write text. Here is where AGB uses AI today:

• Studying our records. Our team uses Claude, an AI tool made by Anthropic, to help study records like messages with our support team, feedback and survey answers, so we can improve the program. These records can include your name and what you told us.
• Conversation titles. Intercom, which runs our messages, uses its own AI to write a short title for each conversation, for our team.
• A preview for invited clients. A few clients we invite can try an early version of our app. In it, our AI guide, Sage (built on Anthropic’s Claude), reads that person’s answers and recent messages with our team to suggest a few of our Money guides.
• Money guide ideas. When someone suggests a Money guide on our website, Claude reads the idea and writes a short title for our list, in English and Spanish, or leaves the idea out if it doesn’t fit. The list shows only those titles, and our team can hide any of them.

Our rules for AI.

• Our team uses Claude under an individual Anthropic plan, with Anthropic’s setting that lets it use our chats to improve its models turned off.
• AI never decides whether you can get help, who your adviser is, what advice you get, or how we handle a concern. People do.
• AI doesn’t give you financial advice. Your adviser does.
• We don’t use an AI chatbot to answer your questions.
• When you’re dealing with AI, we tell you.
• We don’t build or train our own AI with your information.
• If you don’t want our team to use AI tools on your records, tell us, and we’ll leave them out.

Recordings, transcripts and meeting summaries are covered in section 6.

9. Connecting your bank accounts

We don’t connect to your bank accounts. We don’t look at your credit report.

10. Signing in

Clients. You don’t need a password with us.

Today, some of our pages, like your meeting booking and cancellation pages and your to-do dashboard, open from a personal link we email or text you, with no sign-in. Anyone who has your link can open those pages, so please don’t share it.

Advisers and staff. Advisers sign in to the adviser app with an email address and password. We store passwords scrambled, never as plain text. Our staff use AGB Google accounts, and some of our tools use a password.

11. Cookies, analytics and chat

A cookie is a small file a website saves in your browser. Other tools save information in your browser in similar ways. Here is what our website and apps use:

• Plausible counts visits to our website: which pages people view, which site sent them, and their browser, device type and country. It doesn’t use cookies, doesn’t keep your internet address, and doesn’t follow you to other sites.
• Intercom runs the chat on our website. It sets cookies so it can remember your conversation, and it gets basic information about your visit, like the page you’re on and your browser. What you type in the chat goes to Intercom and to our team.
• Cloudflare delivers and protects our website. To block robots, it may run a check in your browser and set a cookie.
• Partner code. If a partner’s link brought you to us, some of our pages may remember that partner in your browser for 30 days, so the partner gets credit if you sign up later.
• Page previews. A cookie that lasts 24 hours lets a partner’s team see their page before we publish it.
• Podcast. Your browser remembers where you stopped listening.
• Things we show from other companies. Some pages load fonts from Google, documents from Google Docs, maps from OpenStreetMap, videos from Wistia, forms from Typeform or scheduling from Calendly. When your browser loads them, those companies get your internet address, and some may set their own cookies.

Advertising. We don’t use advertising cookies or tags.

Do Not Track and Global Privacy Control. Some browsers can send a signal that says you don’t want to be tracked.

We don’t track you across other websites, and we don’t let other companies use our website to do that. So our website works the same with or without these signals.

Tracking across sites. No company uses our website to follow your activity across other websites for advertising.

Your choices. You can block or delete cookies in your browser’s settings. Our pages still work, but the chat may not remember you.

12. Public reports, partner reports and testimonials

What we publish. On our impact dashboard and in our reports, we publish totals about our program. For example: how many people signed up and from which states, how many met an adviser, and how they rated their meetings. We also publish totals about who we serve, like age groups or race and ethnicity. We hold back numbers about small groups, as section 5.4 explains.

Partner and funder reports. Some partners, like libraries, get their own dashboard or report with totals for the people they sent us. Some of these reports are public. They follow the same rules as section 5.4: totals only. They include a client’s words only if that client said yes, as explained below.

Your words. We share a client’s words, like a thank-you note or a comment about their meeting, only if that client said yes.

So far, we’ve asked one question: whether we may share your words to help others find AGB. If you said yes, we may use your words on our website, in our reports and on materials we make with partners, with your first name only.

You can take back your yes at any time by emailing [email protected]. We’ll stop using your words in anything new and take them off our website within 7 days, but we can’t pull back copies that were already printed or shared.

13. How long we keep information

We keep information only as long as we need it for the reasons in this policy, or as long as the law requires. Then we delete it, or remove the details that identify people.

We’re still building the tools to apply these limits automatically, so for now some information may stay past its limit.

Some of the main limits:

• Your client record (your account, sign-up answers, messages and meeting history): while you use our service. If you haven’t met an adviser or signed in for 3 years, we’ll email you first, then delete it or remove what identifies you.
• Emails sent through adviser@: 1 year.
• Feedback and ratings: 3 years with your name, then without it.
• Concerns and safety complaints: 3 years after we close them.
• Donation records: 7 years, because tax law requires it.

If the law requires us to keep something longer, like during a lawsuit, we keep it until that ends. Appendix B has a longer list.

14. Your choices and rights

Wherever you live, you can ask us to:

• see the information we have about you;
• get a copy of it;
• fix information that’s wrong;
• delete your information and close your account;
• stop texts, emails that aren’t about your meetings or account, or our team’s use of AI tools on your records; and
• take back a yes you gave us, like permission to share your words.

How to ask. Email [email protected], in English or Spanish, or write to us at the address in section 23. To delete your information, you can also email [email protected].

It’s free, and it never changes the help you get.

Making sure it’s you. Before we act, we’ll confirm your request through the email address or phone number we have for you.

How fast. A person on our team handles each request. We’ll reply within 5 business days and finish within 30 days, and we’ll tell you when it’s done.

What deleting does. When we delete your information, we delete:

• your account and sign-up answers, including your record in Intercom and your answers in Typeform;
• your meeting history, your to-dos and your adviser’s notes; and
• emails you sent through adviser@.

We keep only:

• records of any gifts you made, because tax law requires it;
• totals that don’t identify you; and
• records tied to an open safety concern or a legal hold, until it’s resolved.

Copies can stay for a while in backups and in our providers’ logs, like the call and text logs our phone company keeps. After we delete your information, your adviser can’t see it anymore.

Today, our client support lead does all of this by hand.

If we can’t. Sometimes the law, or someone’s safety, means we can’t delete or share something. If so, we’ll tell you why.

If you disagree. If we say no, or you’re unhappy with how we handled your request, you can ask our executive director to look at it again. Email [email protected] with “Appeal” in the subject line. We’ll answer within 30 days.

15. How we protect information

We work to keep your information safe. Here is what we do:

• Our website and apps use encrypted connections (HTTPS).
• Adviser passwords are stored scrambled, never as plain text.
• We don’t ask the people we help for Social Security numbers, bank account numbers or passwords.
• The companies we use must protect information under their contracts with us.

No system is perfectly safe.

What you can do.

• Don’t share the links we send you.
• Don’t send us full account numbers, your Social Security number or passwords, even inside documents.
• If something looks wrong, tell us at [email protected].
• Remember: we’ll never ask you for a password.

If something goes wrong. If someone gets into your information without permission, we’ll tell you as soon as we can, and within 30 days of finding out, as California law requires. If your state’s law sets a shorter deadline, we’ll meet it. We’ll tell you what happened, what information was involved, and what you can do. We’ll also tell the California Attorney General when the law requires it.

16. Age: our service is for adults

Our one-on-one help is for adults 18 and older who live in the United States. Our Terms of Use explain who can sign up. Families are welcome: an adult signs up for the household.

If we learn that someone under 18 signed up, we’ll close the account and delete their information. If you’re a parent or guardian and think your child signed up, email [email protected].

If you’re under 18 and shared something with us, you can ask us to remove it, and we will.

17. Advisers and volunteer applicants

This section is for advisers who volunteer with us, and for people who apply to.

When you apply. Our application form, run by Typeform, asks for:

• your name, email address, mobile number, firm, ZIP code, time zone and languages;
• your LinkedIn profile and professional memberships, like FPA or NAPFA;
• whether you have any disclosures on your record;
• your schedule, and topics you’d rather not take on; and
• a photo of you for clients.

Checking your record. Before we activate your account, we look you up in public records that regulators and CFP Board keep: CFP Board’s verification site, the SEC’s Investment Adviser Public Disclosure site and FINRA BrokerCheck. We don’t use a background-check company. If we ever do, we’ll ask your permission first and give you every notice the law requires.

While you volunteer. We keep your account (your email address and a scrambled password), your availability, your meetings, the notes and to-dos you write, and emails between you and your clients through adviser@. We keep your contact details in Intercom to send you messages, and we store your full name with your clients’ records, where our team can see it. Clients see your first name and the photo you gave us for them.

Feedback about you. Clients rate their meetings and can write you a thank-you note, which we pass on to you. Their ratings and private comments go to our team. When we coach you, we don’t say which client said what, and we raise a pattern only after at least 3 clients mention it. We also keep track of things like cancellations, to support you and keep the program reliable.

What your firm sees. Some reports we make for firms show how many households each named adviser has helped. Your firm never gets information about your clients, only totals.

Your name, photo and story. Some client quotes we publish include the adviser’s first name, and our volunteer sign-up page shows some advisers’ names and photos.

If you leave. If you stop volunteering, we keep your records for 3 years, then delete them. If your application is declined or you withdraw it, we keep it for 1 year. Today, if you delete your adviser account, we immediately and permanently delete your notes about your clients, your emails with them, your meeting history with them and your contact record in Intercom. Your clients’ accounts and to-dos stay.

Other volunteer programs. Our mentorship program is paused. If you filled in our older mentor or mentee forms, your answers are kept in Typeform.

You have the same choices as everyone else (section 14).

18. Donors

How you give. On our Donate page, gifts are handled by Give Lively, a giving platform for nonprofits, which processes payments through Stripe. On some fundraising pages, like a campaign for a company’s employees, gifts also go through Stripe. You type your card details on the payment company’s page, not ours. We never see or keep your full card number.

What we get. Your name, email address and billing details, the amount and date of your gift, whether it repeats each month, and anything else you tell us, like your office in a workplace campaign. The payment companies also keep this under their own privacy policies.

How we use it. To process your gift, send your receipt, thank you, keep tax records and answer your questions. We also email donors about our work, and every email we send donors has an unsubscribe link.

Never sold or traded. We never sell, rent, trade or share information about our donors with other organizations.

Thanking you in public. We name donors in public only with their permission. In workplace campaigns, we show an office’s total only once it has 3 or more gifts, and we never show names.

Monthly gifts. To change or stop a monthly gift, email [email protected].

How long we keep it. 7 years.

If you’re also a client. Our help is always free. Giving is optional and never expected, and it never changes the help you get. A gift helps fund someone else’s meeting. Your adviser’s app doesn’t display whether you gave or your answer to our question about giving. Today, though, the app does receive that answer along with your other sign-up answers (section 5.1).

Funders. If you fund us as a foundation or company, section 2.4 says what we keep. We name your organization as a supporter only with permission.

19. Legal requests and safety

We share information with police, courts or government agencies only when the law requires it, like a valid subpoena, court order or warrant.

• We check each request and share as little as we can.
• When the law allows, we’ll tell you before we share, so you have a chance to object.
• We don’t ask about immigration status. We share information with immigration authorities only if the law requires it.
• If we believe someone is in immediate danger, we may share what’s needed to get help.
• We may use or share information to defend a legal claim, or to stop fraud or misuse of our service.

If the law requires us to keep information longer, like during a lawsuit, we keep it until that ends.

20. California and other states

For everyone. We give everyone the choices in section 14, wherever they live.

California.

• We don’t share personal information with other companies for their own marketing.
• Section 11 explains how our website responds to Do Not Track and Global Privacy Control.
• Californians under 18 can ask us to remove anything they shared (section 16).
• If a breach affects you, section 15 explains what we’ll do.

Other states. Some states give their residents other privacy rights. If your state does, tell us, and we’ll honor them.

21. Where information is stored

Our main systems are in the United States. Some companies we use may store or handle information in other countries. If you use our service from outside the United States, your information comes to the United States.

22. Changes to this policy

We’ll post each new version here with a new date and version number, and list earlier versions in Appendix C.

Some changes are important, like collecting a new kind of information or sharing it in a new way. For those, we’ll email you at least 30 days before the change takes effect.

We won’t use information we already have in a new way without asking you first.

23. Contact us

• Privacy questions and requests: [email protected], in English or Spanish. We reply within 5 business days.
• Everything else: [email protected]
• Mail: Advisers Give Back, Inc., Attn: Privacy, 490 43rd Street, Suite 350, Oakland, CA 94609

Appendix A. Companies that work for us

When you listen to our podcast on Spotify, Apple Podcasts or YouTube, those companies collect information under their own policies.

Appendix B. How long we keep information

Appendix C. Version history