Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. We

are bound by professional standards of confidentiality that are even more stringent than those required by law.

Federal law gives the customer the right to limit some but not all sharing of personal information. It also requires us to tell

you how we collect, share, and protect your personal information.

TYPES OF NONPUBLIC PERSONAL INFORMATION (NPI) WE COLLECT

We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your

authorization. This can include but is not limited to your Social Security Number, Date of Birth, Banking Information,

Financial Account Numbers and/or Balances, Sources of Income, and Credit Card Numbers or Information. When you are

no longer our customer, we may continue to share your information only as described in this notice.

PARTIES TO WHOM WE DISCLOSE INFORMATION

All Investment Advisers may need to share personal information to run their everyday business. In the section below, we list

the reasons that we may share your personal information:

● For 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;

● For our marketing – to offer our products and services to you;

● For joint marketing with other financial companies;

● For our affiliates’ everyday business purposes – information about your transactions and experiences; or

● For non-affiliates to market to you.

Clients may opt out of sharing information for joint marketing to other financial companies, to our affiliates, and to

non-affiliates. If you are a new customer we may begin sharing your information on the day you sign our agreement. When

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

contact us at any time to limit our sharing.

PROTECTING THE CONFIDENTIALITY OF CURRENT AND FORMER CLIENT’S INFORMATION

To protect your personal information from unauthorized access and use, we use security measures that comply with federal

law, including computer safeguards and secured files and buildings.

FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT SHARING – OPTING OUT

Federal law allows you the right to limit the sharing of your NPI by “opting-out” of the following: sharing for non-affiliates’

everyday business purposes – information about your creditworthiness; sharing with affiliates who use your information to

market to you; or sharing with non-affiliates to market to you. State laws and individual companies may give you additional

rights to limit sharing. Please notify us immediately if you choose to opt out of these types of sharing.

DEFINITIONS: Affiliates – companies related by common ownership or control. They can be financial and non-financial

companies; Non-affiliates – companies not related by common ownership or control. They can be financial and non-financial

companies; Joint marketing – a formal agreement between non-affiliated financial companies that together market financial

products or services to you.

SMS Privacy Policy

1. Overview of SMS Program

• Our SMS program provides updates, notifications, and promotional messages related to our services. By subscribing to our SMS program, you consent to receive SMS messages at the phone number provided. Message frequency may vary based on your interaction with our service.
  
  

   2. Types of Personal Information We Collect

• We may collect the following personal information to facilitate our SMS program:

i. Name

ii. Phone number

iii. Email address (if applicable)

iv. Other contact information (if applicable)

   3. Methods of Data Collection

• We collect personal data through the following methods:

i. Online Forms: Information is collected when you submit a form on our website to subscribe to our SMS program.

ii. Physical Forms: Information is collected when you fill out and submit a physical form at one of our locations or events.

   4. How We Use Your Personal Data

• The personal data we collect is used to:

i. Send you SMS messages related to updates, notifications, and promotional offers.

ii. Communicate policy updates and other service-related information.

iii. Prospect for new policies and clients, where applicable.

iv. Improve our services and tailor our communications to better meet your needs.

   5. Storage, Maintenance, and Protection of Personal Information

• We store and maintain your personal information in secure databases protected by industry-standard security measures. We take appropriate steps to protect your personal data against unauthorized access, disclosure, alteration, or destruction.
  
  

   6. Sharing Personal Data with Third Parties

• We do not share your mobile information with third parties or affiliates for marketing or promotional purposes. Additionally, all the categories of personal data mentioned above exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties under any circumstances.
• However, we may share your data with trusted service providers who assist us in operating our SMS program, provided they agree to keep your data confidential and use it solely for the purpose of providing services on our behalf.
  
  

   7. Managing Your Personal Information

• You have the right to access, correct, verify, or remove your personal information at any time. To manage your information, please contact us at rohit@lotusam.com.
• Opt-Out Option: If you wish to opt-out of receiving SMS messages, you may do so at any time by replying "STOP" to any of our messages or by contacting us directly at [Contact Information]. Opting out will not affect your other interactions with our services.

Please call if you have any questions. Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us.