Godfrey Financial Associates, Inc. (“Godfrey”) is an SEC registered investment adviser located in Glenmont, New York.  Godfrey and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Godfrey maintains clients.  Godfrey may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.  Godfrey’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Godfrey’s web site on the Internet should not be construed by any consumer and/or prospective client as Godfrey’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Godfrey with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Godfrey, please contact the SEC or the state securities regulators for those states in which Godfrey maintains a notice filing.  A copy of Godfrey’s current written disclosure statement discussing Godfrey’s business operations, services, and fees is available from Godfrey upon written request.  Godfrey does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Godfrey web site or incorporated herein, and takes no responsibility therefore.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Godfrey), will be profitable or equal any historical performance level(s).

Certain portions of Godfrey’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Godfrey (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Godfrey, or from any other investment professional.  Godfrey is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.  

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Godfrey is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Godfrey by any of its clients.  Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Godfrey’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Godfrey, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Godfrey’s web site, to release and hold harmless Godfrey, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Godfrey.


Client Privacy Policy

Maintaining the trust and confidence of our clients is our highest priority.  We want you to understand how we protect your privacy when we collect and use information about you, and the steps we take to safeguard that information. 

Information we collect.  In connection with providing investment products, financial advice, or other services, we obtain non-public personal information about you, including:

Information we receive from you on our own data intake forms;
Information we receive from you on account applications;
Information about your transactions with us or others, including other financial institutions or firms;
Information received from credit or service bureaus or other third parties.

Information we disclose.  We do not and will not disclose information regarding you or your account with us, except under the following circumstances:

To establish or maintain an account with an unaffiliated third party, such as a custodial firm holding your investment assets, a clearing brokerage house, private money management firm, or insurance company; or
To government entities or other third parties in response to subpoenas or other legal process as required by law, including the prevention of fraud, or in compliance with an inquiry by a government agency or regulator.

Our security policy.  Only those individuals who need it to perform their jobs are authorized to have access to confidential client information.  We maintain physical, electronic and procedural security measures that comply with applicable state and federal regulations to safeguard confidential client information.  Employees of Godfrey Financial Associates, Inc. are subject to a strict employment policy regarding confidentiality.  Names and addresses or any other personal information have never, and are not under any circumstances, given or sold to third parties for any outside use.  Under strict confidence, a backup database of Godfrey Financial Associates, Inc. client information is maintained at an outside facility.

Closed or inactive accounts.  If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described above.

Changes to the Privacy Policy.  If we make any substantial changes in the way we use or disseminate confidential information, we will notify you in writing as required by law.  

 If you have any questions concerning this Privacy Policy, please contact our office immediately at (518) 767-2574.