Claritage Group Privacy Policy

Last Updated: July 2026

Introduction

Claritage Group ("we," "us," "our," or "the Firm") is committed to protecting the privacy and security of the personal information entrusted to us by our clients, prospective clients, and website visitors. This Privacy Policy describes the types of information we collect, how we use and share it, and the choices available to you regarding that information.

Gabriel Nave conducts business as Claritage Group. Securities and Investment Advisory services offered through HTK (Hornor, Townsend & Kent, LLC), Member FINRA/SIPC. Insurance products offered through Penn Mutual and other carriers. This website and the services described on it are subject to the supervision and compliance oversight of HTK.

Information We Collect

Information you provide directly, such as when you complete a contact form, schedule a consultation, or engage us for services:

Name, mailing address, email address, and phone number
Date of birth and Social Security number (for account applications)
Financial information, including income, assets, liabilities, and investment objectives
Employment information
Information about your family, beneficiaries, and estate planning goals

Information collected automatically when you visit our website:

IP address, browser type, and device information
Pages visited, time spent on the site, and referring website
Cookies and similar tracking technologies (see "Cookies" below)

Information from third parties, such as custodians, broker-dealers, insurance carriers, credit reporting agencies, or other financial institutions, in connection with account servicing.

How We Use Your Information

Provide financial planning, advisory, and insurance services
Process transactions and service your accounts
Communicate with you about your accounts or our services
Meet legal, regulatory, and compliance obligations, including those imposed by FINRA, the SEC, and state securities and insurance regulators
Improve our website and services
Detect and prevent fraud

How We Share Your Information

We do not sell your personal information. We may share nonpublic personal information with:

Affiliated and non-affiliated third parties who perform services on our behalf, such as our broker-dealer (HTK), custodians, clearing firms, insurance carriers (including Penn Mutual), and technology or administrative service providers
Regulatory authorities, including FINRA, the SEC, and state regulators, as required by law
Professionals you authorize, such as your accountant or attorney, at your direction
Successor entities, in the event of a merger, acquisition, or sale of business assets

Any sharing with non-affiliated third parties for their own marketing purposes is subject to your right to opt out, as described below.

Your Opt-Out Rights

Federal law (the Gramm-Leach-Bliley Act) gives you the right to limit certain sharing of your nonpublic personal information. If we intend to share your information with non-affiliated third parties for purposes other than servicing your account or as permitted by law, we will provide you the opportunity to opt out before doing so. Contact us using the information below to exercise this right.

Data Security

We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information, consistent with applicable regulatory requirements, including those under Regulation S-P. Access to your information is restricted to personnel who need it to provide services to you.

While we take reasonable steps to protect your information, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Cookies and Website Data

Our website may use cookies and similar technologies to improve functionality and understand site usage. You may set your browser to refuse cookies, though some site features may not function properly as a result.

Your Privacy Choices (California Residents)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to request disclosure of the categories of personal information we collect and, in certain circumstances, request deletion. Information collected in connection with providing financial and insurance services is generally exempt from certain CCPA provisions to the extent it is governed by the Gramm-Leach-Bliley Act. Contact us to make a request.

Children's Privacy

Our website and services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

Retention

We retain client records for the period required by applicable FINRA, SEC, state, and insurance regulations, and as necessary to service your account.

Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date above indicates when the policy was last revised. Material changes will be communicated in accordance with applicable regulatory requirements.

Contact Us

Claritage Group
2083 Heights Ct, Escondido CA 92027
442-222-1062
gabriel@claritagegroup.com

This notice is provided in accordance with the privacy provisions of the Gramm-Leach-Bliley Act and Regulation S-P. Securities offered through HTK, Member FINRA/SIPC. Advisory and insurance services offered separately.