Regulatory and Disclosure Information for Varga Investments Inc.

Varga Investments Inc. is a Registered Investment Advisory firm with the State of Florida. We are not rendering or offering to render personalized investment advice or financial planning advice through this website. This website is limited to the dissemination of general information on the advisor’s service offerings and provides an efficient mechanism in which a prospective client may contact the advisor. Varga Investments does not render or offer to render personalized investment advice through the Varga Investments’ website. Advice can only be rendered within the context of an executed investment advisory and/or financial planning contract between the client and the advisor.

The investment advisor may transact business only in States in which it is registered, or in which it is excluded or exempted from registration. The Investment Advisor must also be registered or exempted or excluded from registration in any state in which it follows up on individualized responses to persons in that State that involve either the effecting or the attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation.

Disclaimers

The information in this website is based on data gathered from what we believe to be reliable sources. Information throughout this site, whether stock quotes, charts, or any other statement or statements regarding market or other financial information is not guaranteed for timeliness or accuracy and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor.

The identification of specific securities and model portfolios is made on the assumption that the investor would participate in the investment or portfolio on a long-term basis (in excess of five years) and only after consulting with their investment advisor to determine their needs financial position and tolerance for risk. With respect to any such identification, there can be no assurance that fund or model portfolio will in fact perform in the manner suggested.

All references that might be made to an investment or portfolio’s performance are based on historical data and once should not assume that this performance will continue in the future. Past performance is not indicative of future results.

The use of any calculator by any client or prospective client, is not and should not be construed, in any manner whatsoever, as the receipt of, or substitute for personalized individual advice from Varga Investments Inc.

Newsletter/Article Disclaimer

Our website may contain previous newsletters or articles where specific information may be dated and may no longer reflect the views, opinions and recommendations of Varga Investments Inc. No client or prospective client should assume that any such discussion serves as a substitute for, or in place of, personalized advice from Varga Investments Inc.

Blog Disclosure

This blog is provided by Varga Investments Inc. (“Varga Investments” or the “Firm”) for informational purposes only. Investing involves the risk of loss and investors should be prepared to bear potential losses. No portion of this blog is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax or legal advice. Certain information contained in this presentation is derived from sources that Varga Investments believes to be reliable; however, the Firm does not guarantee the accuracy or timeliness of such information and assumes no liability for any resulting damages.

Varga Investments is a state registered investment adviser that maintains a principal place of business in the State of Florida. The Firm may only transact business in those states in which it is registered or qualifies for a corresponding exemption from such requirements. For information about Varga Investments’ registration status and business operations, pleaseconsult the Firm’s Form ADV disclosure documents, the most recent versions of which are available on the SEC’s Investment Adviser Public Disclosure website at
www.adviserinfo.sec.gov.

Links to Other Websites

This site may provide links to other websites and resources. Varga Investments has no control over such websites and resources, is not responsible for their availability and does not endorse and is not responsible or liable for any content, advertising, products and other materials on or available from them. Varga Investments shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused with use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them. All such information is provided solely for convenience and information purposes.

Privacy Policy

Rev. Sep-18

FACTS WHAT DOES VARGA INVESTMENTS INC. DO
WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
 
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  •  Social Security number and income
  • Investment experience and risk tolerance
  •  Assets and account transactions

When you are no longer our customer, we continue to share your information as described in this notice.

 
How? All financial companies need to share clients’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their clients’ personal information; the reasons Varga Investments Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Varga Investments Inc. share? Can you limit this sharing?
For our everyday business purposes —
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes —
to offer our products and services to you
Yes Yes
For joint marketing with other financial companies Yes Yes
For our affiliates’ everyday business purposes —
information about your transactions and experiences
Yes Yes
For our affiliates’ everyday business purposes —
information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No Yes
 
Questions? Call (561) 342-4354 or email michael at vargainvestments dot com

 

Who we are
Who is providing this notice? Varga Investments Inc., a registered investment adviser.

 

What we do
How does Varga Investments Inc. protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Varga Investments Inc. collect my personal information? We collect your personal information, for example, when you

  • Open an account
  • Provide account information
  • Seek advice about your investments
  • Tell us about your investment or retirement portfolio
  • Enter into an investment advisory contract

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing? Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes — information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account – unless you tell us otherwise.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Del Mar Lifestyle Management, LLC.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Varga Investments Inc. does not share with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
 

This privacy notice has been prepared in accordance with federal law. Certain states have adopted a requirement that financial institutions obtain clients’ affirmative consent to share their personal information with non-affiliates who are not servicing your account.

The information disclosure practices described in this document are in accordance with federal law. You may have other privacy protections under state laws, such as Nevada, California and Vermont. To the extent these state laws apply, we will comply with them with regard to our information disclosure practices.

Nevada Residents: Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 East Washington Street, Suite 3900, Las Vegas, NV 89101; phone number (702) 486-3132; email: BCPINFO@ag.state.nv.us.

California Residents: In accordance with California law, we will not disclose information we collect about California residents to unaffiliated companies, except as permitted by law, which includes disclosures with the consent of the California resident and disclosures to service the resident’s accounts with us, as well as other lawful disclosures.

Vermont Residents: In accordance with Vermont law, we will not disclose information we collect about Vermont residents to unaffiliated companies and will not disclose application and third-party credit-related information about Vermont residents to our affiliated companies except as follows: as permitted by law; to companies that perform marketing or other services on our behalf; name, contact and transaction experience information to other companies with which we have joint marketing agreements; or with the authorization or consent of the Vermont resident.

In order to comply with applicable laws and legal requirements, we may disclose information to government entities, self-regulatory organizations, or other third parties in response to court orders, subpoenas, government inquiries, or other mandatory legal processes.

If you live in Alaska, California, Louisiana, Massachusetts, Maine, North Dakota or Vermont, under certain circumstances, we are required as a financial institution to obtain your affirmative consent to share your personal information with a Nonaffiliate. If you live in any state other than those listed, under certain circumstances, you may opt-out of Varga Investments Inc., sharing your Personal Information with a Nonaffiliate.  If you opt-out or opt-in, you will continue to receive annual privacy notices as required by the SEC. However, you do not need to respond to maintain a previous opt-in or opt-out designation.

Current State Laws and Legislative Activity. Since enactment of GLBA, there has been considerable activity in state legislatures on financial privacy issues, particularly in terms of making reference to the changes wrought by GLBA. Some states have laws that are more protective of consumer privacy. For example, at least four states, Alaska, Connecticut, North Dakota, and Vermont, have current laws that would require an opt-in or in some way hamper the sharing of customer information among affiliates. None of these would, of course, operate to override the FCRA authorization of interaffiliate information sharing without further legislative action. In other states, since GLBA, there have been provisions enacted modifying stringent financial privacy laws to accommodate GLBA. In the only state holding a referendum on such a statute, North Dakota, the voters by a 73% majority, voted to repeal the new law. In the 2003 legislative session, the legislatures of at least two states, California and New Jersey, are considering enacting laws that would appear to be directed at limiting the ability of financial institutions to share customer information should the FCRA preemption provision not be renewed. Another, New York, is considering legislation to require affirmative consent for disclosing nonpublic personal information to nonaffiliated third parties.

Certain states have adopted a requirement for you to approve the sharing of information in advance, otherwise known as an “opt-in” choice. If you live in an “opt-in” state (e.g., California, Massachusetts, Maine, Alaska, North Dakota or Vermont), then we will require your consent to share your information with unaffiliated third parties who are not servicing your account. State requirements vary and may change without notice.