PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, GUIDELINES, AND DISCLOSURES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEBSITE.
These terms and conditions of use (“Site Terms”) apply exclusively to your access to, and use of, the website of Gardena Financial located at www.gardenafinancial.com (the “Site”) and the information and other services provided therein (the “Services”). These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Gardena Financial. If you are using the Site on behalf of any entity, you represent and warrant that you are authorized to accept these Site Terms on such entity’s behalf and that such entity agrees to indemnify you and Gardena Financial for violations of these Site Terms.
Gardena Financial reserves the right to change or modify any of the terms and conditions contained in these Site Terms or any policy or guideline of the Site, at any time and in its sole discretion. Gardena Financial will provide notice of these changes by posting the revised terms on the Site and indicating on the Site Terms the date it was last updated. Any changes or modification will be effective immediately upon posting of the revisions on the Site. Your continued use of this Site following the posting of its changes or modifications will constitute your acceptance of such changes or modifications. If you do not agree to the amended terms, you must stop using the Site.
All written content is for informational purposes only and does not constitute a complete description of our services or performance.
No Warrant of Accuracy
Information presented on this site is obtained from sources believed to be reliable, but we do not warrant or guarantee the timeliness or accuracy of any information posted on this or any linked web site.
Right to Change Our Policies
We reserve the right to change any of our policies at any time and you can obtain an updated version on this page.
If you have any questions after reading any of our policies, please contact us by writing to Gardena Financial, 1516 W. Redondo Beach Blvd, Gardena, CA 90247.
Home Loan Disclosure
We’re not just a number cruncher. Let’s refinance your home, then reduce it with proper planning.
Your Home Loan Toolkit
This step-by-step guide, provided by the Consumer Financial Protection Bureau, helps you make better choices when refinancing or buying a home. Click here for “Your Home Loan Toolkit“.
Investment Advisory Disclosure
Retire smart. Let us do the hard work for you.
This brochure provides information about the qualifications of Kiak Tae and TaeVestment LLC with dba as Gardena Financial Retirement Advisors.
This brochure provides information about the qualifications and business practices of TaeVestment LLC with dba as Gardena Financial Retirement Advisors.
No Investment Solicitation in All States
This web site is not a solicitation or offer to sell financial planning and investment advisory services except in states where we are registered or where an exemption or exclusion from such registration exists.
Future Performance Not Guarantee
Nothing on this web site should imply that past results are an indication of future performance. Opinions expressed are those of Gardena Financial Retirement Advisors or any of its affiliated companies.
Real Estate Disclosure
Protect and grow your inheritance
This outlines the ways we gather, use, disclose, and manages your information.
It is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow Web applications to respond to you as an individual. The Web application can tailor its operations to your needs, likes, and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. Overall, cookies help us provide you with a better Site. You can choose to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the Website.
We are committed to maintaining your trust and confidence. We want you to understand how we protect your privacy when we collect and use information about you and the measures we take to safeguard that information. Keeping your information secure and private is a priority for us.
Information Collected Through Verification
Sometimes, we are required to contact other parties (i.e. your employers, the Internal Revenue Services, FTB, and others) to verify certain data about you.
Collected Information from You
During the course of our engagement, you provide us with personal data, including but not exhaustive of name, address, social security number, assets, types, home loan amount, credit scores, insurance figures, real estate data, amounts of investments, transactions, and income, and expenses.
Collected Information from Third-Parties Companies
We collect your personal data from third-party companies that closely work with us to provide you with our diverse financial products and services.
Information You Submit
If you submit information via a Contact Us form, Gardena Financial collects the information you submit.
Information Collected via Google Analytics & Other Social Media Sites
We collect any information that Google Analytics collects regarding your visit to the Site. We use this information to provide you with better service by using the information for Internal record keeping; improving our products and services; periodically sending promotional emails about our services or topics of interest to the email address you provided.
Protection of Your Confidentiality
Keeping your information secure is one of our most important responsibilities. We restrict access to non-public personal information about you to those individuals who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.
Disclosure to Non-Affiliated Third Parties
We do not sell, share, or disclose your non-public personal information to non-affiliated third party marketing companies.
We may disclose non-public personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, to conduct our operations, to follow your instructions as you authorize, or to protect the security of our financial records.
Record Retention Disclosure
This outlines the ways we retain your record.
Tax Record Retention
Will follow IRS Bulletin 2012-11 and keep your tax return for a minimum of three years.
Under California Code of Regulation §260.241.3, Books and Records to Be Maintained by Investment Advisers, we shall retain for five years copies of investment advisory records.
We follow Title 10 California Code of Regulation section 2190.2 in retaining your insurance record for a minimum of five years.
Real Estate Record
Under California Business & Professions Code §10148, we shall retain for three years copies of all listings, deposit receipts, canceled checks, trust records, and other documents executed by Gardena Financial Real Estate or obtained in connection with any transactions for which a real estate broker license is required.
Home Loan Record Retention
Per the Consumer Financial Protection Bureau (CFPB), § 1026.25 Record retention, we will retain your record for a minimum of three years.
Client Payment Processing Fees
This outlines additional payment processing fees
Tax Record Retention
Clients are charged a 3% payment processing and administration fee on all payments. The fee is calculated as a percentage on top of the payment you are making. For example, if you make a payment of $1,000, Gardena Financial will charge an additional $30.00 fee for processing the payment.
Business Continuity Plan
We understand the importance of ensuring you have continued access to your accounts in the event our office operations are impacted by a disaster. As a result, we have developed and maintain a business continuity plan that describes how we will respond to future significant business disruptions of varying degrees of severity.
Physical Location: Gardena Financial’s office operations in Gardena, CA can restart service in the event a significant business disruption affects the building, local business area, city, and/or region. We will continue to conduct business during those disruptions and may choose to relocate key personnel and services to our designated backup facilities. Relocations of critical functions will be completed within a reasonable time frame of the significant business disruption.
Pandemic: In the event of a disruption resulting from a reduction in the workforce due to a pandemic situation, we have a comprehensive pandemic response plan to minimize the exposure and spread of a virus in the workplace. The plan involves social distancing and other measures to avoid close physical proximity in the workplace. Social distancing includes, but is not limited to, requesting employees to work remotely, invoking swing shifts, and may require suspension of some non-critical functions.
Data: We operate a “paperless” office and our data is maintained in highly-secured data centers (multiple for redundant back up) around the United States. None of these data centers are in southern California. In addition, our clearing firm, Interactive Brokers LLC, Pershing LLC, and TD Ameritrade has multiple service centers located in various regions of the country. Both these providers—our data center and our clearing firm—have complete business continuity plans designed to allow them to continue operations in the event they experience a significant business disruption. Their plans include redundancies, alternate facilities, and recovery time objectives that support our plan.
Alternative Contact: In the event of significant business disruption at Gardena Financial’s office in Gardena, CA, you may also refer to our website, www.gardenafinancial.com, for current information in the event of a disruption. You may also contact your respective financial institution directly regarding your accounts.
No Warranty: While we have detailed plans in place, we cannot guarantee that we will be able to recover as quickly as described hereunder all possible circumstances. We’ll strive to resume service as soon as possible but our recovery time may be negatively impacted by the unavailability of third parties and/or other circumstances beyond our control.
Copyright and Limited License:
Unless otherwise indicated, the Site and all content and other materials on the Site, including, without limitation, the Gardena Financial and its affiliated logo, and all designs, text, graphics, pictures, reviews, information, data, software, sound files, other files and the selection and arrangement thereof (collectively, the “Site Materials”) are the proprietary property of Gardena Financial or its licensors and are protected by U.S. and international copyright laws. You are granted a limited, license to access and use the Site but other than that, please don’t copy content or third-party content.
Gardena Financial with design are trademarks of Gardena Financial. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Gardena Financial and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned on the Site are the property of their respective owners. Gardena Financial does not have an endorsement, affiliation, connection, or association with the owner of any third-party trademark unless such endorsement, affiliation, connection, or association is clearly designated on the Site.
We may provide links to third-party websites, and some of the content appearing to be on this Site is in fact supplied by third parties, for example, in instances of framing of third-party websites or incorporation through frame sets of content supplied by third-party servers. Gardena Financial doesn’t control those sites and you need to review the terms and conditions for those sites. Gardena Financial provides these links for convenience and not as a reflection of Gardena Financial’s endorsement, affiliation, connection, or association. You leave this Site through links at your own risk. Gardena Financial does not guarantee or warrant the accuracy of the content to which you link. Gardena Financial is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such third-party site, whether actual, alleged, consequential or punitive.
Password & Security:
If you have a password for access to non-public areas of the Site, you are solely responsible for maintaining the confidentiality and use of the password. You are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or Services obtained using your password and other security data. Gardena Financial shall not be under any duty to inquire as to the authority or propriety of any instructions given to Gardena Financial by you or via your password and shall be entitled to act upon any such instructions and Gardena Financial will not be liable for any loss, cost, expense or other liability arising out of any such instructions. Take steps to protect the confidentiality of your password. Notify Gardena Financial immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with Gardena Financial in any investigation and agree to take corrective measures to protect your account from further fraudulent activity. You may not use anyone else’s login information or account at any time.
Other Disclaimers and Your Acknowledgements of the Use of Site Information:
The Site, the Site materials, and the services are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. Gardena Financial disclaims all warranties, express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement as to the information, content or materials in the site. Gardena Financial does not represent or warrant that site materials, including the information available in or on the site, or the services are accurate, complete, reliable, current, or error-free. Gardena Financial does not represent or warrant that the site or its servers are free of viruses or other harmful components.
Limitation of Liability:
In no event shall Gardena Financial or its officers, employees, and agents, be liable for any direct, special, indirect or consequential damages, or any other damages of any kind, the outcome of legal matters, loss of use, loss of profits or loss of data, whether in an action in contract, tort (including but not limited to negligence) or otherwise, arising out of or in any way related to or connected with any use of the site, the content or the materials contained in or accessed through the site, including without limitation any damages, loss or injury caused by or resulting from reliance by the user on any information obtained from the site, or that result from mistakes, omissions, interruptions, deletion of files or e-mail, errors, defects, viruses, delays in operation or transmission or any failure of performance, whether or not resulting from acts of God, communications failure, theft, destruction or unauthorized access to Gardena Financial’s records, programs or services.
You agree to defend, indemnify and hold harmless Gardena Financial, its directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to any User Content you post, store or otherwise transmit on or through the Site or your use of or inability to use the Site or the Services, including without limitation any actual or threatened suit, demand or claim arising out of or relating to the User Content, your conduct, your violation of these Site Terms or your violation of the rights of any third party.
Applicable Law and Venue:
These Site Terms and your use of the Site shall be governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of Texas (even if your use is outside of the State of Texas), without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to the Site or these Site Terms shall be filed only in the state and federal courts located in Dallas County, Texas and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts.
If any provision of these Site Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Site Terms and shall not affect the validity and enforceability of any remaining provisions.
Notwithstanding any of these Site Terms, Gardena Financial reserves the right, without notice and in its sole discretion, to terminate your license to use the Site, and to block or prevent your access to and use of the Site.
This site policies last updated on August 9, 2020