Privacy Policy & Disclosures
Last updated: July 2026
Privacy Policy
Melody Wealth ("Melody Wealth," "we," "us," or "our") is committed to protecting the privacy and security of the personal information entrusted to us. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in connection with our website, services, and business operations.
Information We Collect
We may collect the following categories of personal information:
- Identifiers: Name, postal address, email address, phone number, Social Security number, date of birth, driver's license number, and other government-issued identification numbers.
- Financial information: Income, net worth, investment experience, account balances, tax information, employment information, and banking details.
- Internet and electronic activity: IP address, browser type, operating system, referring URLs, pages visited, time spent on pages, and other website interaction data collected through cookies and similar technologies.
- Professional or employment information: Employer name, job title, business address, and professional licenses or designations.
- Characteristics of protected classifications: Age and marital status, to the extent required for financial planning and advisory services.
- Inferences: Risk tolerance profiles, investment objectives, and financial planning preferences drawn from any of the above categories.
How We Collect Information
We collect personal information through the following means:
- Directly from you when you provide it to us (e.g., account applications, financial planning questionnaires, correspondence).
- Automatically when you visit our website through cookies, web beacons, and similar tracking technologies.
- From third-party sources, including custodians, broker-dealers, financial institutions, credit reporting agencies, and publicly available sources.
How We Use Your Information
We use personal information for the following purposes:
- To provide and manage investment advisory, financial planning, and related services.
- To process transactions and maintain your accounts.
- To communicate with you regarding your accounts, our services, and relevant market or regulatory developments.
- To comply with legal, regulatory, and compliance obligations, including anti-money laundering ("AML") and know-your-customer ("KYC") requirements.
- To detect, prevent, and respond to fraud, security threats, and other unlawful activity.
- To improve our website, services, and client experience.
- To fulfill any other purpose for which you provide your information or consent.
Information Sharing and Disclosure
We do not sell your personal information to third parties for their marketing purposes. We may share your personal information in the following limited circumstances:
- Service providers: With third-party vendors and service providers who perform services on our behalf, including custodians, broker-dealers, technology providers, auditors, and legal counsel, subject to contractual obligations to protect your information.
- Affiliated entities: With Melody Global and its affiliates for business purposes, subject to the same privacy protections described herein.
- Legal and regulatory compliance: When required by law, regulation, subpoena, court order, or governmental inquiry, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.
- Business transfers: In connection with a merger, acquisition, reorganization, or sale of assets, in which case your personal information may be transferred as part of the transaction.
- With your consent: In any other situation where you have provided explicit consent to the disclosure.
Data Security
We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. These measures include encryption, access controls, firewalls, secure data storage, and employee training on data privacy and security. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with our legal and regulatory obligations (including SEC and state record-keeping requirements), resolve disputes, and enforce our agreements. When personal information is no longer required, we will securely delete or anonymize it in accordance with our data retention policies.
Cookies and Tracking Technologies
Our website may use cookies, web beacons, and similar technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. You may control the use of cookies through your browser settings. Disabling cookies may limit certain features and functionality of our website.
We may use third-party analytics services (such as Google Analytics) that collect, monitor, and analyze usage data. These third-party services have their own privacy policies governing the use of your information.
California Residents — CCPA/CPRA Notice
If you are a California resident, you have additional rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 ("CCPA/CPRA"), subject to certain exceptions for financial institutions and information governed by the Gramm-Leach-Bliley Act ("GLBA").
To the extent your personal information is not subject to a GLBA exemption, you may have the following rights:
- Right to know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, the business or commercial purposes for collecting it, and the categories of third parties with whom we share it.
- Right to delete: You may request that we delete the personal information we have collected about you, subject to certain legal exceptions.
- Right to correct: You may request that we correct inaccurate personal information we maintain about you.
- Right to opt out of sale or sharing: We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes.
- Right to non-discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
To exercise any of these rights, please contact us using the information provided at the end of this policy. We will verify your identity before fulfilling your request.
Other State Privacy Laws
Residents of other states that have enacted consumer privacy legislation — including but not limited to Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Oregon (OCPA), and Montana (MCDPA) — may have similar rights to access, correct, delete, and opt out of certain data processing activities. To exercise any applicable rights, please contact us using the information below.
International and EU/EEA Residents — GDPR
If you are located in the European Union, European Economic Area, or the United Kingdom, the General Data Protection Regulation ("GDPR") and applicable local data protection laws may apply to our processing of your personal data.
We process your personal data on one or more of the following legal bases: contractual necessity, legal obligation, legitimate interests (provided those interests are not overridden by your data protection rights), and consent where you have given explicit consent for one or more specific purposes.
Subject to applicable law, you may have the right to: access your personal data; rectify inaccurate data; request erasure ("right to be forgotten"); restrict processing; data portability; object to processing based on legitimate interests or direct marketing; withdraw consent at any time; and lodge a complaint with a supervisory authority in your jurisdiction.
If we transfer your personal data outside of the EU/EEA or UK, we will ensure that appropriate safeguards are in place, such as Standard Contractual Clauses approved by the European Commission, to protect your personal data in accordance with applicable data protection law.
Third-Party Links
Our website may contain links to third-party websites, applications, or services that are not owned or controlled by Melody Wealth. We are not responsible for the privacy practices, content, or security of any third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, legal requirements, or regulatory guidance. When we make material changes, we will update the "Last updated" date at the top of this page. We encourage you to review this page periodically.
Regulatory Disclosure
Melody Wealth is in the process of registering as an investment adviser with the U.S. Securities and Exchange Commission ("SEC"). Registration is pending and has not yet been granted. SEC registration does not imply a certain level of skill or training, nor does it constitute an endorsement of the firm by the SEC.
Until registration is effective, Melody Wealth does not provide investment advisory services, does not solicit clients, and does not enter into advisory agreements. Nothing on this website or in any Melody Wealth communication should be construed as an offer or solicitation to provide investment advisory services in any jurisdiction where Melody Wealth is not appropriately registered, exempt, or excluded from registration.
Melody Wealth is an affiliate of Melody Global, a registered investment adviser. Melody Wealth and Melody Global are separately operated entities and maintain independent compliance programs.
Advisory Relationship
Upon registration, Melody Wealth intends to provide investment advisory services as a fiduciary, meaning we will be legally obligated to act in your best interest when providing personalized investment advice.
Important information about our advisory services, including fees, conflicts of interest, disciplinary history, and business practices, will be disclosed in our Form ADV, which will be filed with the SEC and made available to prospective and current clients prior to or at the time of engagement. We encourage all prospective clients to review our Form ADV Part 2A (Firm Brochure) and Part 2B (Brochure Supplement) carefully before entering into an advisory relationship.
Fees and Compensation
Melody Wealth's fee schedule, billing practices, and any other forms of compensation will be fully described in our Form ADV and in the advisory agreement entered into with each client. Fees may include asset-based fees, fixed fees, hourly fees, or a combination thereof, depending on the nature and scope of services. Clients should understand that fees reduce investment returns and that all fee arrangements will be clearly disclosed before any advisory engagement begins.
Conflicts of Interest
Melody Wealth is committed to identifying, disclosing, and managing conflicts of interest. Potential conflicts may arise from our affiliation with Melody Global, referral arrangements, compensation structures, or the recommendation of affiliated products or services. All material conflicts will be disclosed in our Form ADV and discussed with clients as part of our advisory relationship.
General Disclaimer
The information provided on this website and in all related materials is for informational and educational purposes only. It does not constitute investment advice, financial planning advice, tax advice, legal advice, or any other form of professional advice, and should not be relied upon as such.
No content on this website should be interpreted as a recommendation or solicitation to buy, sell, or hold any security, financial product, or investment strategy. The information presented may not reflect the most current market developments. Melody Wealth is under no obligation to update any information on this website. We make no representations or warranties, express or implied, regarding the accuracy, completeness, timeliness, or reliability of any information presented.
Investment Risk
All investments involve risk, including the potential loss of principal. There is no guarantee that any investment strategy or portfolio will achieve its objectives or avoid losses. The value of investments may fluctuate due to market conditions, economic developments, interest rate changes, geopolitical events, and other factors beyond our control.
Alternative investments, including private equity, private credit, hedge funds, real estate, and other non-publicly traded securities, involve special risks including but not limited to: illiquidity, lack of transparency, leverage, concentration, limited redemption rights, and higher fees. Such investments are typically suitable only for qualified investors who can bear the risk of loss and limited liquidity.
Past performance is not indicative of future results. Any references to past performance on this website or in our materials are provided for informational purposes only and should not be interpreted as a guarantee of future returns. Diversification and asset allocation do not ensure a profit or guarantee against loss.
No Client Relationship
Use of this website or communication with Melody Wealth through this website does not create an investment advisory, fiduciary, or professional relationship between you and Melody Wealth. An advisory relationship is established only through the execution of a written advisory agreement.
Contact Us
If you have questions about this Privacy Policy, wish to exercise any of your privacy rights, or need additional information about our disclosures, please contact us at:
Melody Wealth
3400 N 1200 W, Suite 208
Lehi, UT 84043
Email: compliance@melodywealth.com
Phone: 801.742.8250