Invest and Insure Legal Disclosures

Wealth Management:
Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA / SIPC | Legal Disclosures | Privacy Policy | Terms of Use

Securities are not insured by credit union insurance, the NCUA or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. Desert Financial Credit Union, Desert Financial Wills and Trusts, Desert Financial Insurance and Desert Financial Wealth Management is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Desert Financial Credit Union, Desert Financial Wills and Trusts, Desert Financial Insurance and Desert Financial Wealth Management is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc.

Insurance:
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. For Medicare insurance policies: We do not offer every plan in your area. Currently, we represent 10 organizations that offer 78 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates, and may be subject to risk.

Wills & Trusts:
Document preparation services are offered through Desert Financial Credit Union; an Arizona Supreme Court Certified Legal Document Preparation Business Entity (CLDP #81024). Legal document preparation services are not insured by the NCUA, have no credit union guarantee, and do not provide legal advice.

Privacy Policy

Investment Risk Disclosure

Privacy Policy

Financial Planning Privacy Policy

Desert Financial – Financial Planning, LLC is a wholly owned subsidiary of Desert Financial Credit Union Union and is committed to protecting the privacy of customers and consumers. Your privacy is a top priority of Desert Financial – Financial Planning. Desert Financial – Financial Planning is required by law to provide this privacy notice to explain our Privacy Policy and how we collect, use and safeguard your personal financial information. If you have any questions after reading this notice, please contact us at (602) 336-5531.

Information We Collect About You

We collect information about you from the following sources:

• Information we receive from you on applications, by telephone and in other forms. This includes information such as your name, address, telephone number, Social Security Number, Vehicle Identification Numbers, Driver’s License, etc.
• Information about your transactions with our affiliates, others or us.
• Individuals who visit our website also provide other information such as the IP address of their computer and information generated from “cookies” we utilize to provide a more efficient internet experience.

As we will explain in more detail below, we do not disclose nonpublic personal information about our clients, former clients or other consumers to anyone, except as permitted by law.

How We Share Your Information

We are committed to providing you with competitive financial products and services to meet your financial needs. In the course of providing such services to you, we collect nonpublic personal information about you. It is sometimes necessary for us to share that information with other companies to complete your transactions or to provide you with certain targeted financial services and opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

We are committed to providing you with competitive financial products and services to meet your financial needs. In the course of providing such services to you, we collect nonpublic personal information about you. It is sometimes necessary for us to share that information with other companies to complete your transactions or to provide you with certain targeted financial services and opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

Under these arrangements, we may disclose some or all of the information we collect about you from the sources described above, such as applications and transactions. We only disclose your private information to our affiliated credit union, Desert Financial Credit Union, companies that perform marketing or other services on our behalf, or to other financial service companies with whom we have joint marketing agreements. To protect your privacy, we only work with companies which agree by contract to maintain strong confidentiality protections and to limit the disclosure and use of information we provide only to carry out the specific purposes for which such information was disclosed. We do not permit these companies to sell to other third parties the information we provide to them. And we do not sell your information to other companies.

Parties Who Receive Information from Us

In order that we may provide clients competitive products and services, we may disclose all of the information we collect, as described above, to the following kinds of third parties:

• Our affiliate(s), including Desert Financial Credit Union.
• Financial service providers with whom we have joint marketing agreements, such as those that provide securities and brokerage services and those providing insurance products such as home and auto insurance.
• Companies that perform processing, marketing, or other services on our behalf.

Please understand that some of the services we are able to offer you, such as dental and life insurance, involve application processes which are handled directly by the third party and so we do not collect additional personal information about you during that process. Our agreements with those organizations make sure they safeguard the information about you which we provide to them. You should review their privacy policies to make sure you understand how they handle the information which you supply to them or which you authorize them to collect.

How We Protect Your Information

We restrict access to information about you to those employees who have a specific business purpose in utilizing your data. Our employees, as well as the employees of companies with whom we have joint marketing agreements, are trained in the importance of maintaining confidentiality and client privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and industry practices to safeguard your personal information.

Investment Risk Disclosure

Investment Risk Disclosure

Under applicable law, the Credit Union and the Credit Union's subsidiary are able to enter into agreements with companies that sell nondeposit financial products such as insurance, annuities, mutual funds, and stocks and bonds to permit these companies to make available nondeposit financial products to Credit Union members as an additional service to members. The Credit Union is NOT liable for any losses sustained by members investing in nondeposit investment products.

You are advised that the Credit Union's subsidiary, Desert Financial – Financial Planning, LLC, has entered into an agreement with LPL Financial, and Financial Advocates & Affiliates (FA), companies that sell nondeposit financial products. The nondeposit financial products are being made available to the members by LPL Financial and Financial Advocates & Affiliates.

The purchase of these nondeposit financial products involves investment risk that you should fully understand. Unlike deposits with the Credit Union that are federally insured, the nondeposit financial products are NOT FEDERALLY INSURED. Neither the Credit Union nor Desert Financial – Financial Planning sell the nondeposit financial products and therefore the nondeposit financial products are NOT OBLIGATIONS OF THE CREDIT UNION OR ITS SUBSIDIARY. The nondeposit financial products are NOT GUARANTEED BY THE CREDIT UNION, THE CREDIT UNION'S SUBSIDIARY, LPL FINANCIAL, OR FINANCIAL ADVOCATES & AFFILIATES. To a greater or lesser extent, all of these nondeposit financial products INVOLVE INVESTMENT RISKS, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. PAST RESULTS DO NOT ASSURE FUTURE PERFORMANCE.

You should carefully evaluate the investment risk prior to the purchase of nondeposit financial products to ensure that the risk is acceptable to you. To evaluate the risk, you may take such actions as consulting with LPL Financial or Financial Advocates & Affiliates, consulting with independent advisors, conducting your own independent research and taking any other actions necessary to satisfy yourself that you have all the facts necessary to make an intelligent decision regarding the risk of the investment. The Credit Union, the Credit Union's subsidiary and its respective employees are not qualified to, and are prevented by law from, advising you regarding nondeposit financial products.

THE CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSSES YOU MAY SUFFER BY INVESTING IN THE FINANCIAL PRODUCT EVEN IF YOU LEARN OF THE FINANCIAL PRODUCT THROUGH A CREDIT UNION MAILING OR ADVERTISEMENT, YOU PURCHASE THE FINANCIAL PRODUCT AT A CREDIT UNION OFFICE OR IF A CREDIT UNION EMPLOYEE, AS A CONVENIENCE TO YOU, ACCEPTS YOUR PAYMENT FOR A NONDEPOSIT FINANCIAL PRODUCT.