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Thank you for visiting this Carreras Financial Services, Inc. website. We hope that you will find here tools and information to help you reach your financial goals. As you visit these pages, we want you to be aware of our commitment to protecting the privacy of the information supplied by our visitors on this site.

With that in mind, we have established this Privacy Policy to describe how we may be collecting and using information provided through visits to this website and to those websites maintained by affiliates of Carreras Financial Services, Inc. that may link to this Online Privacy Policy. If you are or should you become a customer of Carreras Financial Services, Inc., the information we maintain in connection with that customer relationship is protected under the terms of our Customer Information Privacy Policy.

Most of the tools and applications available on this website do not require you to provide any personal information. Examples of personal information include name, address, e-mail address, phone number, account number, and other information that may identify you. To take advantage of certain features, however, personal information about you may be requested to:
* Help transact your business
* Register you for a website service
* Respond to your inquiry
* Conduct a survey 
In all cases, your decision to provide us with personal information is voluntary, and such information will only be used to help transact your business or respond to your questions.

Carreras Financial Services, Inc. and its affiliated companies do not disclose any personal information obtained from our site visitors without their consent to any unaffiliated third party for purposes unrelated to servicing their requests, unless required to do so by law or other regulatory authority. Information provided in a request for service or information is forwarded to the Carreras Financial Services, Inc. affiliate or business that will respond to the request. Your requests for brochures or other information may be forwarded for processing to an independent mail fulfillment firm.

Many visitors to our site wish to remain apprised of new products and services and opportunities. In that case, you may request to receive e-mail message from us by so indicating and providing your e-mail address on the forms provided.
Like most websites, ours may automatically collect information about your computer hardware and software which may include your browser type, operating system, access times and Internet Protocol (IP) address. We use this data in aggregated form only (not in any form that personally identifies you) to track use of our tools and features for internal programming and demographic and other research purposes.

We employ technologies intended to safeguard the transmission of your personal information through this site although no website guarantees 100% security. A "secure connection" is established using Secure Socket Layer protocol (SSL) whenever you send or receive personal data. This encryption scrambles your personal information as it travels over the Internet from your browser to our secure Web server. This protocol is supported in the newest versions of Netscape Navigator, Microsoft's Internet Explorer, and America Online, the most popular Web browsers. This Carreras Financial Services, Inc. website prohibits personal information to be transmitted unless a secure connection can be established. You may set your browser preferences to alert you every time you submit a non-encrypted form. 
Please note that unless indicated, general e-mail sent to Carreras Financial Services, Inc. is NOT secure. You will always have the option of submitting information by phone, fax or regular mail.

This Online Privacy Policy was last revised in November, 2007. We recommend that visitors to this site revisit this page on occasion to learn of new privacy practices and changes to our policy.

It is our sincerest hope that all who participate here will do so with confidence, and come away from the experience with valuable insights and a renewed commitment to achieving the financial stability they and their loved ones deserve. 

By accessing and using this website , you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.
Site content
The information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you.
Other World Wide Web sites that may be accessed from or provide access to this Site by hypertext links are entirely independent of this Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to or from another site shall not, in any manner, be construed as an endorsement of such person's or entity's World Wide Web site, products, services, or contributions to the Site.
Use of the Site
This Site does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.
Your use of the Site shall be on an "as is" basis entirely at your risk. Neither Carreras Financial Services, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only.
Intellectual Property
Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or service marks ("Trademarks") of Carreras Financial Services, Inc., their subsidiaries or affiliates. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks. Any retransmission or alteration of Trademarks or other form of unauthorized copying may be a violation of the law. All information on this Site is protected under copyright laws. Except for certain "fair use" or as otherwise provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without our prior written consent. You may hyperlink to the URL of our home page at subject to our prior approval in writing or by email. If you would like further information concerning Site contents or you wish permission to link to, use, reproduce, or republish any Site contents, please click here.
Governing laws
This Site is based in West Palm Beach, Florida, and the laws of the State of Florida and the federal laws of the United States of America shall govern as to the interpretation, validity and effect of these Terms and any use of the Site. The courts of the State of Florida shall have exclusive jurisdiction in any action or proceeding instituted under or related to these terms or your use of the Site.
The products and services referred to on this Site are available only in jurisdictions where they may be lawfully offered for sale, and not all Carreras products and services are available in all geographic regions/states. The 529 college savings, mutual funds and variable insurance and annuity products referred to in this Site may be offered and sold only to persons in the United States and its territories. 
These products are underwritten by Ameritas Investments Corp. (AIC)
Securities and advisory services offered through Ameritas Investment Corp. (AIC). Member FINRA/SIPC
AIC and Carreras Financial Services, Inc. are not affiliated. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
The following publicly available information is available upon request:
National Association of Insurance Commissioners Statutory Annual Statement with Exhibits, General Interrogatories, and Schedule D, Part 1A, Sections 1 and 2 and Schedule S - Part 3E;
Rating Agency Reports on the financial strength and claims-paying ability of the insurer; 
Risk adjusted capital ratio;
Actuarial opinion of the insurer's Appointed Actuary certifying the adequacy of the insurer's reserves.
News information provided by Financial Planning Association is offered for information purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Financial Planning Association is not affiliated with Carreras Financial Services. Securities mentioned reflect independent analysts' opinions and are not recommendations of Carreras Financial Services. Neither Carreras Financial Services nor Financial Planning Association guarantees that the information supplied is accurate, complete or timely, or makes any warranties with regard to the results obtained from its use.

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