At Anthem Loan Group, LLC, we hold your concerns about information privacy and security in high regard and are dedicated to protecting your privacy. It is our belief that you should have a good understanding of how we gather, employ, and divulge information you provide to us or that we have obtained from you, along with the options and rights you possess in regard to your personal information. This Privacy Policy outlines our procedures concerning the information we collect or utilize, whether it is acquired online or offline, including:

• On our websites and blog sites (“Websites”)
• Via our social media channels (“Social Media”)
• Through email communications that we send or receive from you (“Emails”)
• Via software applications provided by us for use on computers and mobile devices (“Apps”) (such as file transfers, extranets, and client portals)
• In connection with the services we offer to our clients (“Client Services”)
• Through offline information directly provided to our employees, which is then recorded and stored as electronic data (“Direct Data”).

Collectively, we refer to these as the “Services,” encompassing the Websites, Apps, Social Media, Emails, Client Services, and Direct Data.

If you happen to be a California resident, we encourage you to review the “Additional Notice to California Residents” section below for crucial information regarding how we collect, utilize, and disclose personal information about California residents, as well as the rights that California residents hold under the California Consumer Privacy Act (CCPA).

COLLECTION OF PERSONAL INFORMATION

“Personal Information” encompasses any data that, on its own or when combined with other data, can identify you as an individual or relates to an identifiable individual. This includes:

• Identifiers: This category includes items like your real name, aliases, postal addresses, unique personal identifiers (device identifiers; cookies, beacons, pixel tags, mobile ad identifiers, and similar technology; client, customer, or vendor numbers; telephone numbers; and other identifier forms), online identifiers, internet protocol addresses, email addresses, account names, social security numbers, driver’s license numbers, passport numbers, and similar identifying information.
• Commercial Information: This category comprises records related to personal property, products or services purchased, obtained, or considered, as well as other purchase or consumption histories or tendencies.
• Characteristics of Protected Classifications Under California or Federal Law: This category includes characteristics like race, color, sex, age, religion, national origin, disability, citizenship status, and biometric information.

Online Activity: Information related to your online activities, encompassing but not limited to browsing history, search history, and other details about your interactions with websites, applications, or advertisements on the internet.

• Geolocation Data: Precise location details about you or your device.

“Personal Information” may also be referred to as “personal data,” “private information,” or “personally identifiable information.”

We collect Personal Information in various ways, both directly and through our service providers, which include:

• Through the Services: We gather Personal Information through the Services, whether it’s in the normal course of conducting our business or when you visit our websites, subscribe to our mailing lists or newsletters, request Services, register for seminars or other events we organize or sponsor, or utilize Services that are accessible only to authenticated users who have logged in.
• Offline: We also acquire Personal Information from you in offline interactions. This includes instances when you enter into contractual agreements for Client Services, provide information while utilizing our Client Services, engage with us on your behalf as a client, or submit Direct Data.
• From Other Sources: Your Personal Information may come from external sources, such as:
• Publicly accessible databases and websites.
• Service providers and third parties, including clients, representatives, other professionals or advisors, and government authorities.
• Joint marketing partners, content providers, and event sponsors who share information with us.
• Individuals and entities to whom we deliver Client Services, which may include your employer.
• Social media platforms.

If you decide not to provide the requested information, we may be unable to offer the Services. If you disclose any Personal Information regarding other individuals to us or our service providers in connection with the Services, you confirm that you possess the authority to do so and permit us to use the information in accordance with this Privacy Policy.

USE OF PERSONAL INFORMATION

We, along with our service providers, may employ your Personal Information in the following scenarios:

• When it is necessary for establishing, exercising, or defending legal claims;

When it is necessary for us to provide Client Services or any other Services, or to fulfill a legal obligation;

• When it is essential for us to perform a contract we are either in the process of entering into with you or have already entered into;
• When it is required to safeguard our legitimate interests (or those of a third party) and your interests and fundamental rights do not take precedence over those legitimate interests;
• If the information has already been publicly disclosed; or
• With your prior consent.

More specifically, we utilize your Personal Information to serve our legitimate business interests, which include the following:

1. Enabling your access to the Services, which involves operating, troubleshooting, and enhancing our websites and other digital properties. It also encompasses the provision of various services we offer.
2. Corresponding with you, whether it’s in response to your inquiries, comments, requests, or questions. We also send technical notifications, updates, security alerts, and other administrative messages when necessary.
3. Tailoring your interactions with us by personalizing your experiences. This includes remembering your interests and preferences, facilitating interactions, and making introductions as applicable.
4. Conducting research and analysis to comprehend how you use our Services, including our websites, the methods you employ to access them, and subsequently improving our Services.
5. Executing marketing and advertising activities by sending communications tailored to your interests, as well as more general marketing and advertising campaigns. We also evaluate the effectiveness of these campaigns.
6. Pursuing our business objectives, which encompass enhancing our business and Services, internal administration, and data analysis. Additionally, we employ your information to detect, prevent, and respond to actual or potential fraud, illegal activities, or intellectual property infringement. This also extends to any other business purpose sanctioned by the law.
7. Serving legal and safety purposes such as defending or safeguarding the interests of us, you, our clients, or third parties. This includes participation in legal proceedings, ensuring the security of our clients, employees, and property, responding to court orders, lawsuits, subpoenas, and government requests, addressing legal and regulatory compliance, and notifying you of any other legal or safety matters.
8. Utilizing your personal information for purposes to which you have provided consent, as indicated at the time of collecting your information.

DISCLOSURE OF PERSONAL INFORMATION

We disclose Personal Information when it is deemed necessary or appropriate, particularly in the context of our contractual relationship with you, or when we have a legal obligation or a legitimate interest to do so. This may involve disclosures beyond the borders of your country of residence and encompasses the following:

• To our third-party service providers who assist us in delivering various services. These providers may include outsourced services such as website hosting, consulting related to our Services, monitoring, data analysis, information technology, and infrastructure provision, customer support, email delivery, auditing, and other services connected to fulfilling our clients’ legal requirements and conducting our business operations. Our disclosure to these service providers is limited to processing Personal Information according to our instructions. Please note that when you use certain Services that allow you to post information and content (e.g., Social Media) or send messages, any information you post or disclose via these Services becomes public and may be accessible to other users and the general public.
• To comply with applicable laws and regulations.
• To cooperate with law enforcement, public authorities, and government agencies. This involves responding to law enforcement requests and orders or providing information that we consider to be of significance.
• For other legal grounds, including the enforcement of our terms and conditions, and safeguarding our rights, privacy, safety, and property, as well as those of you or others.
• In connection with a sale or business transaction. We have a legitimate interest in disclosing or transferring your Personal Information to a third party in the event of any business reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any part of our business, assets, or stock (including in connection with bankruptcy or similar proceedings). Such third parties may include, for example, an acquiring entity and its advisors.

Anthem Loan Group, LLC does not lease or sell your Personal Information.

OTHER INFORMATION

“Other Information” refers to data that does not disclose your specific identity or directly pertain to an identifiable individual. This category includes:

• Browser and device information.
• App usage data.
• Information collected through cookies, pixel tags, and other technologies.
• Demographic data and other information provided by you that does not reveal your specific identity.

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If, in compliance with relevant laws, we are obligated to categorize Other Information as Personal Information, we will utilize and reveal it for the same purposes detailed in this Policy for Personal Information, as mentioned above.

We and our service providers may gather Other Information through various means, including:

• Through your browser or device: Most browsers and devices automatically provide certain information, such as your Media Access Control (MAC) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the Services (such as the App) you are using. We utilize this information to ensure the proper functioning of the Services.
• Through the use of cookies: Cookies are data pieces stored directly on the computer or device you are using. They enable us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other traffic data. For more details about how we utilize cookies, please refer to our Cookie Policy.
• Through the use of pixel tags and similar technologies: Pixel tags (also referred to as web beacons and clear GIFs) may be employed for various purposes, including tracking user actions on the Services (including email recipients), evaluating the success of our marketing campaigns, managing content, and compiling statistics about Service usage and response rates.
• Through analytics: We employ Google Analytics, which utilizes cookies and similar technologies to amass and analyze data regarding Service usage, as well as report on activities and trends. This service may also collect information about the usage of other websites, applications, and online resources. You can find information about Google’s practices by visiting google.com/policies/privacy/partners and opt-out by downloading the Google Analytics opt-out browser add-on, available at tools.google.com/dlpage/gaoptout.
• Via IP Address: Your IP address is automatically assigned to your computer by your Internet Service Provider. Whenever a user accesses the Services, their IP address is logged automatically in our server log files, along with the visit time and the visited page(s). Collecting IP addresses is a common practice and is automated on many websites, applications, and services. We employ IP addresses for purposes like calculating usage levels, diagnosing server issues, and administering the Services. Your approximate location may also be determined based on your IP address.

We may utilize and reveal Other Information for any purpose unless otherwise mandated by applicable law. On occasion, we may merge Other Information with Personal Information, and if we do, we will treat the combined data as Personal Information, provided that it remains combined.

SECURITY

We strive to employ reasonable organizational, technical, and administrative measures to safeguard Personal Information within our organization. However, it’s important to note that no data transmission or storage system can be guaranteed to be entirely secure. If you suspect that the security of your interactions with us is compromised, please promptly notify us as outlined in the “Contacting Us” section below.

CHOICE TO STOP RECEIVING MARKETING-RELATED EMAILS

If you no longer wish to receive marketing-related emails from us moving forward, you have the option to opt out by following the unsubscribe instructions provided in any such message or by contacting us via email at alerts@(ENTER ALG DOMAIN). We will make every reasonable effort to honor your request promptly. Please be aware that even if you opt out of marketing-related emails, you may still receive important administrative messages from us, which you cannot opt out of.

DATA PRIVACY REQUESTS AND ACCESS TO PERSONAL INFORMATION

If you believe that the Personal Information we have about you is inaccurate, incomplete, or outdated, please reach out to us at alerts@(ENTER ALG DOMAIN) so that we can make the necessary updates, removals, or corrections.

For California residents, you have the option to submit a request to Anthem Loan Group, LLC to either (i) disclose your collected, used, or shared Personal Information or (ii) delete your collected or maintained Personal Information. Please refer to the “Additional Notice to California Residents” section below for more comprehensive details.

If you are in any of the following countries and are using our Services, you can access, modify, or delete your Personal Information: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom.

If you wish to request a review, correction, update, suppression, objection, restriction, or deletion of Personal Information you’ve previously provided to us, or if you would like to receive an electronic copy of your Personal Information for the purpose of transmitting it to another company (to the extent such rights are afforded by applicable law), please contact us via email at alerts@(ENTER ALG DOMAIN). We will address your request in accordance with applicable law.

In your request, kindly specify the changes you’d like to see in your Personal Information, whether you prefer to have your Personal Information suppressed from our database, or any other limitations you’d like to impose on our use of your Personal Information. For security, we may only act on requests related to the Personal Information linked to the email address used to send us your request, and we may need to verify your identity and gather other pertinent information before carrying out your request. We will strive to comply with your request as soon as reasonably feasible and as required by law.

RETENTION PERIOD

We retain Personal Information for the duration necessary or permitted, considering the purpose(s) for which it was collected and in accordance with applicable law. Our retention periods are determined by various factors, including:

• The duration of our ongoing relationship with you and the provision of Services to you (e.g., for as long as you maintain an account with us or continue using our Services). • The duration of our ongoing relationship with you as our client and the provision of Client Services. • Any legal obligations to which we are subject (e.g., certain laws may mandate the retention of transaction records or communications for a specified period before deletion). • The advisability of retention in light of our legal position (e.g., with regard to applicable statutes of limitations, legal proceedings, or regulatory inquiries).

THIRD PARTY SERVICES

This Privacy Policy does not cover, and we are not responsible for, the privacy practices, information handling, or other activities of third parties. This includes any third party that operates a website or service linked to the Services. The presence of a link on the Services does not imply our endorsement of the linked site or service.

Furthermore, we are not accountable for the information collection, usage, disclosure, or security policies or practices of other entities, such as Facebook, Twitter, Apple, Google, Microsoft, RIM, LinkedIn, or any other application developer, application provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer. This includes any Personal Information you share with other entities through the Apps or our Social Media or in connection with them.

SPECIAL NOTICE REGARDING WEBINARS

Webinars provided as part of the Services (“Webinars”) may be hosted by third-party vendors who are not affiliated with us.

Our third-party vendors may request users to furnish Personal Information, which could include your name, telephone number, and email address. Users seeking continuing legal education credits may also be required to provide their State Bar number(s). Please be aware that the collection of this Personal Information may be carried out by our vendors or by us. We encourage you to review the privacy policy of our respective vendors, as they govern how such vendors manage the Personal Information you provide when registering for and participating in the Webinars.

Furthermore, our third-party vendors furnish us with Personal Information about Webinar participants. We utilize this Personal Information to monitor attendance, facilitate future communication with these participants, and for other purposes outlined in this Privacy Policy.

USAGE OF SERVICES BY MINORS

The Websites, Apps, Social Media, Emails, and Webinars are not intended for use by individuals under the age of eighteen (18), and we do not intentionally collect Personal Information from individuals under 18 in relation to these services. On some occasions, our Client Services may involve representing individuals under the age of eighteen (18). We do not market our Client Services or the Services to individuals under 18.

CROSS-BORDER DATA TRANSFER

Your Personal Information may be stored and processed in any country where we maintain facilities or engage service providers. By using the Services, you acknowledge that your information may be transferred to countries outside your country of residence, including the United States, where data protection regulations may differ from those in your home country. In certain situations, courts, law enforcement agencies, regulatory bodies, or security authorities in these foreign countries may be entitled to access your Personal Information.

Some non-EEA countries have been deemed by the European Commission to provide an adequate level of data protection in accordance with EEA standards (the full list of such countries is available here). In cases where, as part of providing Client Services, we need to transfer Personal Information from the EEA to countries not recognized as adequate by the European Commission, we will implement appropriate safeguards, such as using the standard contractual clauses endorsed by the European Commission, to protect Personal Information. You may request more details by contacting us as detailed in the “Contacting Us” section below.

SENSITIVE INFORMATION

 With the exception of situations related to the Client Services we provide to you, we kindly request that you refrain from sending or disclosing any sensitive Personal Information (e.g., social security numbers, details related to racial or ethnic background, political views, religious or philosophical beliefs, information concerning sexual orientation or sex life, health data, biometric or genetic characteristics, criminal history, or trade union membership) through the Services or to us in any other manner.

ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS

This Section applies only to consumers who are California residents, and to the Personal Information of those consumers that is collected by Anthem Loan Group, LLC. For California residents, Personal Information is defined by the CCPA as any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California consumer or household.

This California Notice does not address or apply to:

• Our handling of Personal Information that is exempt under Section 1798.45 of the CCPA;
• Personal Information we collect about individuals who are not California residents, or;
• Personal Information we collect about individuals acting in their capacity as representatives (“B2B contacts”) of our clients, prospective clients, vendors, and other businesses that we conduct business with, to the extent we use their Personal Information only in the context of conducting our business relationship with the respective business.

The CCPA requires certain disclosures about the categories of Personal Information that we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it.

Our collection, use, and disclosure of Personal Information about a California resident may vary depending on the circumstances and nature of our interactions or relationship with such resident. We may collect the following categories of Personal Information (as defined by the CCPA):

• Identifiers: Such as a real name, alias, postal address, unique personal identifier (a device identifier; cookies, beacons, pixel tags, mobile ad identifiers, and similar technology; client, customer, or vendor number, telephone number, and other forms of identifiers), online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, and other similar identifiers.
• Commercial Information: Including, without limitation, records of personal property, products or services purchased, obtained, or considered, and other purchasing or consuming histories or tendencies.
• Characteristics of Protected Classifications Under California or Federal Law: Such as race, color, sex, age, religion, national origin, disability, citizenship status, and biometric information.
• Online Activity: Internet and other electronic network activity information, including, without limitation, browsing history, search history, and other information regarding your interactions with websites, applications, or advertisements.
• Geolocation Data: Precise location information about you or your device.

For a more detailed discussion of our use of your personal information, and with whom we share your personal information, please see the “Collection of Personal Information” and “Use of Personal Information” sections above.

Anthem Loan Group, LLC does not rent or sell your Personal Information as that term is defined in the CCPA.

California residents have the right to request: (1) that Anthem Loan Group, LLC disclose what Personal Information about them we collect, use, and disclose, including the specific pieces of the Personal Information about them collected by Anthem Loan Group, LLC in the preceding 12 months (known as a “request to know”); and (2) that Anthem Loan Group, LLC delete the Personal Information about them collected or maintained by Anthem Loan Group, LLC (known as a “request to delete”).

If you are a California resident and would like to submit a request to know or a request to delete, you may submit your request in one of the following methods:

1. Submit a date request form;
2. Email alerts@(ENTER ALG DOMAIN). You will be asked to complete the Data Access Request Form from line 1; or
3. Send a completed Data Access Request Form (found in the link from line 1 above) to the following address:

Privacy and Security Officer
Anthem Loan Group, LLC
314 Cherry Avenue, Suite 100

Voorhees, NJ 08043

Requests will be responded to, free of charge, within 45 days of receiving the request. Consistent with California law, you may only make two such requests in a 12-month period, and the information provided will only cover the information collected in the preceding 12 months.

In order to process a request, we will need to verify your identity. We may request two or more data points of Personal Information and other proof of identification depending on the nature of the request and the Personal Information requested to verify your identity.

As a California resident, you also have the right to designate an agent to exercise these rights on your behalf. We may require proof that you have designated the authorized agent to act on your behalf and to verify your identity directly with us.

UPDATES TO THIS PRIVACY POLICY

The “LAST UPDATED” legend at the top of this Privacy Policy indicates when this Privacy Policy was last revised. Any changes will become effective when we post the revised Privacy Policy on the Services. Your use of the Services following these changes means that you accept the revised Privacy Policy.

CONTACTING US

Anthem Loan Group, LLC is the company responsible for collection, use, and disclosure of your Personal Information under this Privacy Policy.

If you have a complaint about our handling of your personal data, we would appreciate the opportunity to address your concerns directly and before you approach a regulator.

If you have any questions about this Privacy Policy, please contact us.

You can reach us at alerts@(ENTER ALG DOMAIN) or at:

Privacy and Security Officer
Anthem Loan Group, LLC
314 Cherry Avenue, Suite 100

Voorhees, NJ 08043

Because email communications are not always secure, we kindly request that you refrain from including any sensitive information in your emails to us.

ADDITIONAL DETAILS REGARDING THE EEA

 If you wish to file a complaint regarding data protection, you may contact the data protection authority in your country or region, or where an alleged breach of applicable data protection law occurs. For further information, please visit ec.europa.eu/justice/data-protection/article-29/structure/data-protection-authorities/index_en.htm.

COOKIES

Cookies are small pieces of text that are stored on your computer’s hard drive when you visit particular websites. Cookies enhance the website experience by providing customization. They allow us to determine whether you’ve visited us before or if you’re a new visitor, and help identify the site features that interest you the most.

There are two primary types of cookies:

1. Session cookies: These are temporary cookies that expire when you close your browser. Session cookies enable the Services (as defined in our Privacy Policy) to recognize your computer as you navigate through pages during a single browsing session, thus making your use of the Services more efficient.
2. Persistent cookies: These cookies are stored on your computer between browsing sessions until they expire or are deleted. They remember your preferences and customize services for you.

We may utilize both session and persistent cookies in connection with our Site. These cookies are used for security, to streamline navigation, to present information more effectively, and to personalize your visit. They also serve online tracking purposes and collect statistical data on Site usage, helping us continually enhance the Site’s design and functionality, understand visitor behavior, and address any Site-related queries.

In addition to cookies that transmit information to us, we may employ cookies that collect data and send it to our service providers. Furthermore, when the Site allows you to access other websites through provided links, the operators of those websites may employ cookies in line with their own cookies policy, which may differ from ours.

WEB BEACONS

Some pages on our Site may contain “web beacons” (also known as Internet tags, pixel tags, and clear GIFs). These web beacons enable third parties to obtain information such as the IP address of the computer that downloaded the page containing the beacon, the URL of the page with the beacon, the time the page was viewed, the type of browser used, and information in cookies set by the third party.

IP ADDRESSES

An IP address is a unique identifier that certain electronic devices used to identify and communicate with each other on the Internet. When you visit our Site, we may view the IP address of the device you use to connect to the Internet. We use this information to determine the general physical location of the device and understand from what geographic regions our Site visitors come. We also may use this information to enhance our Site.

We may use one or more of these technologies to gather information and statistics regarding use of our Site. For example, we may collect aggregated information about page visits and navigation to determine what articles and topics are of greatest interest and if users are able to find content easily. We also use site analytics and tracking information to generate various reports regarding use of our Site. These reports contain aggregated information about users use of our Site.

If you register on our Site we will use cookies to facilitate your registration and remember your preferences. It is not possible to register unless you accept the cookies used as part of the registration process. If you register on our Site, tracking and analytical information we collect may be linked to the other information we collect about you as part of the registration process, including your name and email address.

If you receive electronic mailings from us, we use technologies that track certain actions. We receive information that shows who opens our electronic mailings and whether links embedded in those mailings have been clicked on. This information helps us understand the effectiveness of the mailings and we may use the information to contact you about other events or services.

INFORMATION COLLECTED BY ANALYTICS PROVIDERS

Some of the cookies we use are “analytical” cookies. Our analytics provider (Google Analytics) allows us to recognize and count the number of visitors and to see how visitors use the site. We use this information to compile reports and to improve the way the Site works, e.g., by making sure that users are finding what they need easily. The following types of information are collected by our analytics software:

• User’s location information, e.g., city, country/territory, continent.
• User’s behavior, e.g., whether the user is a new or returning visitor, the frequency of visits/date of last visit.
• User’s technology, e.g., operating system, network/service provider (ISP and network host).
• Mobile information, e.g., whether the user accessed the Site via a mobile device and, if so, the type of device (brand, service provider, operating system, and input selection method).
• Content viewed, e.g., pages, files, and directories clicked on; landing pages/exit pages; and search words (if any) used on the Site.

OPTING OUT OF COOKIES AND ADDITIONAL INFORMATION

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preference by setting or amending your web browser controls to accept or refuse cookies. Information about the procedure you are required to follow in order to modify your preferences can be found on your Internet browser provider’s website. If you choose to reject cookies via your browser, you may still use our Sites, though your access to some functionality may be restricted. Unless you have changed your browser settings so that it will refuse cookies as indicated, our system will issue cookies as soon as you visit our Site.

If you would like to review more details about the specific cookies that are used in connection with our Sites, please contact us by sending an email with your request to alerts@(ENTER ALG DOMAIN) or submit your request in writing to us at:

Privacy and Security Officer
Anthem Loan Group, LLC
314 Cherry Avenue, Suite 100

Voorhees, NJ 08043

UPDATES TO THIS COOKIES POLICY

We may change this Cookies Policy from time to time. Please take a look at the “LAST UPDATED” legend at the top of this section to see when this Cookies Policy was last revised. Any changes to this Cookies Policy will become effective when we post the revised Cookies Policy on the Site. Your use of the Site following these changes means that you accept the revised Cookies Policy.

CONTACTING US

If you have any questions about our information practices, please contact us by sending an email with your questions to alerts@(ENTER ALG DOMAIN) or writing to us at:

Privacy and Security Officer
Anthem Loan Group, LLC
314 Cherry Avenue, Suite 100

Voorhees, NJ 08043

Anthem Loan Group, LLC DISCLAIMER

The content provided on the ALG website is intended to offer general information to the public and should not be construed as legal advice on any specific topic. This website is not intended for promotional or solicitation purposes. The information presented on the website is of a general nature and does not constitute a legal opinion pertaining to particular facts or circumstances.

While ALG makes every effort to ensure the accuracy of the information published, it cannot guarantee the absolute accuracy of all content. ALG disclaims responsibility for the content found on other websites accessed via links on this site.

If you are in need of legal advice, it is advisable to consult with legal counsel.

When communicating with us via email and you are not a current client, please be aware that your correspondence will not be considered privileged or confidential. If you engage in email communication with us regarding a matter for which we already represent you, it is important to acknowledge that the security of internet-based email is not guaranteed. By transmitting sensitive or confidential email messages that are not encrypted, you acknowledge the associated uncertainties and potential lack of confidentiality over the internet.