Important Information about this Website
By using this website, you agree to accept such conditions and qualifications:
This website is not a solicitation for services: The materials in this website should not be considered an offer or solicitation to buy or sell securities, nor shall any such security be offered or sold to any person in any jurisdiction in which such an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. Products and services mentioned on this site may not be available in all states and are subject to change without notice. This advisor will only conduct insurance, securities or financial advisory business where properly licensed and registered.
The offering of Securities and investment advisory services is limited to prospects and clients in the States that we do business. No offers may be made or accepted from any resident outside the states we do business, which is on file with FINRA.
All content of this site is for informational purposes only and does not constitute a complete description of our investment services or performance. Materials presented in this website, or any linked website, are believed to be from reliable sources, but we make no representations or guarantees as to the accuracy or completeness. All information and ideas should be discussed in detail with your investment advisor prior to implementation. {DBA} intends that this website will be viewed for informational purposes only. This should not be viewed as a solicitation or offer of services in any jurisdiction in which {DBA} is not qualified to do business.
Privacy: Any information sent to this firm via e-mail or through the website is not encrypted. Viewing or transmission of information from this website does not create an advisory relationship between you and this firm, nor is it intended to do so. The only personal information we will obtain from you when you visit our site is the information you voluntarily provide. Example may include a request for a quote, or providing an e-mail address when contacting us. We do not sell or disclose any non-public information for marketing purposes outside our firm.
IRS Circular 230: The information contained herein does not constitute investment, financial, tax or legal advice. Further, this information is general in nature and is not intended to be reflective of any specific plan. Please contact your personal investment, financial, tax or legal advisor regarding your specific needs and situation. In compliance with IRS Circular 230, we inform you that any U.S. federal tax advice contained in this document is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing, or recommending to another party any transaction or matter that is contained in this document
Important information about professional credentials: Because of systematic limitation of the internet, this website may communicate information about credentials that are not approved in all states or jurisdictions. Thus, we remind clients that although a credential may represent the evidence of an ethics certification and ongoing educational efforts by a representative, no credential can guarantee that a representative is the best advisor for you. Before doing business with any investment professional, all investors should check with their state securities and insurance regulators to determine whether the individual is properly licensed and if there have been any complaints or disciplinary problems involving them or their firm. All potential investors can check the status and disciplinary history of any registered representative with FINRA at http://www.finra.org/InvestorInformation/InvestorProtection/InvestorAlerts/index.htm. Investors can also request a copy of an Investment Advisor’s Form ADV, contact the Better Business Bureau, and any other professional organizations associated with the credential that is displayed. Also, an investor can contact FINRA to access the qualifications for the credential and consider the applicability of the education to your personal issues (http://apps.finra.org/DataDirectory/1/prodesignations.aspx). An investor is encouraged to request all applicable reports from an advisor, with the expectation of full disclosure, before services are engaged and any personal information is provided.
Important reminder about investing in any security: The investor is advised to carefully read the prospectus and consider the investment objectives, risks, charges and expenses of the investment company before investing. The prospectus contains this and other important information about the investment company. An investor may obtain a prospectus by contacting their advisor or the specific investment company. For the fund’s most recent performance data, please contact the fund firm or your advisor. Information presented represents past performance. PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS. Investment return and principal value of an investment will fluctuate; so that an investor’s shares, when redeemed, may be worth more or less than their original cost; current performance may be lower or higher that the performance data quoted. All funds are subject to market risk. No investment strategy or allocation can guarantee a profit or protect against a loss in a declining market.
Financial Privacy
Gold Star Mortgage Financial Group Inc. takes its clients’ financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
We collect non-public information about you from the following sources: (1) information we receive from you on applications or other forms; (2) information about your transactions with us, our affiliates, or others; and (3) information we receive from a consumer reporting agency.
We may disclose the following kinds of non-public information about you: (1) information we receive from you on applications or other forms, such as your name, address, social security number, assets and income; (2) information about your transactions with us, our affiliates, or others, such as your payment history or loan balance; and (3) information we receive from a consumer reporting agency, such as your creditworthiness, credit score or credit history.
We may disclose non-public personal information to mortgage bankers to which we refer your file for approval.
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements: (1) information we receive from you on applications or other forms, such as your name, address, social security number, assets and income; (2) information about your transactions with us, our affiliates, or others, such as your payment history or loan balance; (3) information we receive from a consumer reporting agency, such as your credit worthiness, credit score or credit history.
If you prefer that we not disclose non-public information about you to non-affiliated third parties, you may opt out of those disclosures and direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to non-affiliated third parties, you may call us at 800-203-1546. Please ask to speak with Greg Colucci. You may also email us at
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Communication Terms of Use
IRS Circular 230 Notice: To comply with certain U.S. Treasury regulations, we inform you that any U.S. federal tax advice contained in this e-mail, including attachments, is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service.
Privacy Notice: This communication, including attachments, may contain information that is confidential, proprietary, and/or non-public information, as that term is defined in the Gramm-Leach-Bliley Act, and as such is protected by federal and/or state law or other privileges. It constitutes non-public information intended to be conveyed only to the designated recipient(s). If the reader or recipient of this communication is not the intended recipient, an employee or agent of the intended recipient who is responsible for delivering it to the intended recipient, or you believe that you have received this communication in error, please notify the sender immediately by return e-mail and promptly delete this e-mail, including attachments without reading or saving them in any manner. The unauthorized use, dissemination, distribution, or reproduction of this e-mail, including attachments, is strictly prohibited and may be unlawful. Receipt by anyone other than the intended recipient(s) is not a waiver of any privilege that may be available in law and/or in equity. By accepting and reviewing this information, you agree to indemnify us against any losses or expenses, including attorney’s fees that we may incur as a result of any unauthorized use or disclosure of this data due to your acts or omissions.
