General Information: The content of the pages of this website is for general information and use only. It is subject to change without notice.

Limitation of Liability: The website is provided on an “AS IS” and “AS AVAILABLE” basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, security and accuracy.

To the extent permitted by law, Lauterbach Financial Advisors, LLC (LFA) will not be liable for any indirect or consequential loss or damage (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the website.

No Advice or Performance Guarantees: The website and the newsletter are published by LFA and for the convenience of our clients and those interested in our services. Neither the information nor any opinion expressed on this site constitutes an offer by LFA to buy or sell any securities or financial instruments, or to provide any investment advice or service.

The services, securities and financial instruments described on this site may not be available to or suitable for you, and not all strategies are appropriate at all times.

The value and income of any of the securities or financial instruments mentioned on this site can fall as well as rise, and an investor may get back more or less than he or she invested.

Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse affect on the value, price or income of such securities and financial instruments.

Past performance has no correlation with or implies any guarantee with respect to future performance.

Subscription and Permission: The LFA newsletter is circulated by subscription only. If you receive the newsletter regularly, it is because you or somebody you know added you to our mailing list. This “opt-in” policy means that we obtain permission from the subscriber (or someone who knows the subscriber) before sending the newsletter.

Unsubscribing: If you wish to be removed from our mailing list, simply click at the “Unsubscribe” link on any newsletter you receive and you will be automatically removed from our mailing list. If you do not have access to any of our previous newsletters, please contact LFA using the “Contact Us” form on our website (lfa-ia.com).

Receiving our Emails: Due to the ever-increasing number of unauthorized or unsolicited junk emails, internet service providers may use filtering systems that prevent you from receiving our newsletter. To avoid this, simply add us to your list of trusted senders. Submissions to the LFA Newsletter and/or Website: We welcome and encourage our readers to contribute their ideas for our newsletter, website and blog. If you have a question and/or idea for an article, please e-mail us at info@lfa-ia.com and we will consider it for future newsletters and/or articles.

Links: We provide links to other websites as a convenience for our readers, but are not responsible for the content, change in content, advertising or operability of those sites. Please keep in mind that such links do not represent an endorsement, affiliation, sponsorships or representations to or from the companies and people mentioned in such links. Please use the same degree of caution and responsibility for linked sites as you would for using any other site on the internet. We are not responsible for the content, accuracy, or availability of any of such linked sites.

Copyrights and Restrictions for Use: The LFA newsletter and the LFA website are owned and operated by Lauterbach Financial Advisors, LLC. All material is the property of Lauterbach Financial Advisors, LLC. All other trademarks and logos are the property of their respective owners. Readers and subscribers are permitted to download the materials presented for personal, non-commercial use only.

Comments from Third Parties: We encourage reader participation in our blog and have measures to prevent spam comments. However, even though we monitor all of the activity posted on our website, we do not endorse or promote any of the comments made by unaffiliated third parties

Unavailability: The investment products and services mentioned on this website (as well as their respective prospectuses) will not be available for or distributed to persons who reside in any state or territory where such distribution would be contrary to local law or regulation.

Governing Laws: Your use of this website and any dispute arising out of such use of the website is subject to the laws of the State of Texas.

Lauterbach Financial Advisors, LLC is a Registered Investment Advisor. This website is not a solicitation or offer to sell investment advisory services. Lauterbach Financial Advisors, LLC provides individual client services only in states in which it is filed or where an exemption or exclusion from such filing exists.

What information do we collect?

We collect information from you when you subscribe to our newsletter or respond to a survey. To subscribe to our email newsletter, you will be asked to enter your name and email address. You may, however, visit our site anonymously.

What do we use your information for?

• Any of the information we collect from you may be used in one of the following ways:
• To personalize your experience
• To improve our website

To improve customer service
If you decide to opt in to our mailing list, you will receive emails that may include company news, updates, related product or service information, etc.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

Do we use cookies?

Yes. Cookies are small files that a site (or its service provider) transfers to your computer hard drive through your web browser (if you allow). They enable the site or the service provider to recognize your browser and capture and remember certain information.

We use cookies to compile data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when required to do so in order to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety.

Third Party Links

Occasionally, at our discretion, we may include or refer to third-party products or services on our website. These third- party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about third-party sites.

Terms and Conditions

Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website is available at the top of this page.

Your Consent

By using our site, you consent to our website privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and/or update the privacy policy modification date below.

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.

Lauterbach Financial Advisors, LLC
4130 Rio Bravo St.
El Paso, Texas 79902
United States
info@lfa-ia.com

Policy last updated: 6/22/2010

The following information is provided, as required by law, to help you understand our privacy policy and how we will handle and maintain confidential personal information as we fulfill our obligations to protect your privacy. “Personal information” refers to the non-public financial information obtained by Lauterbach Financial Advisors (LFA) in connection with providing investment advisory or other services.

Information We Collect

LFA collects personal information as part of our relationship to you as an investment advisor, to provide client services and fulfill legal and regulatory requirements. The type of information LFA collects may include:

• Information LFA receives from you on forms (such as name, address, social security number, assets and income);
• Information you provide LFA directly about your personal finances or personal circumstances or which LFA may receive from brokerage statements or other information you authorize LFA to receive.

Information Disclosed in Administering Products and Services

LFA will not disclose personal information about current or former clients to non-affiliated third parties except as permitted or required by law. LFA does not sell any personal information about you to any third party. LFA will not disclose personal information without your authorization, except as required or permitted by law.

Procedures to Protect Confidentiality and Security of Your Personal Information

LFA has procedures in place that limit access to personal information to those employees who need to know such information in order to perform business services. LFA educates our employees on the importance of protecting the privacy and security of confidential personal information.

LFA will update our policy and procedures when necessary to ensure that your privacy is maintained and that LFA conducts our business in a way that fulfills our commitment to you. If LFA makes any material changes in our privacy policy, we will make that information available to clients through our website and/or other communications.