Privacy Policy

ERn Financial, LLC, d/b/a Canopy Wealth Management (the "firm," "we" or "us") is committed to providing you with the highest level of service and protecting clients' personally identifiable non-public information and records. This includes all personal information that we collect from clients in connection with services provided by us.

The categories of personally identifiable non-public information that we collect from a client depend upon the scope of the client engagement. It may include:

• Information about your personal finances
• Information about transactions between you and third parties
• Information from consumer reporting agencies

We hold all such client information and records in the strictest confidence. We want to make sure our clients know that we have implemented important practices and procedures for safeguarding the privacy and security of personally identifiable non-public information. Please read this notice carefully to understand what we do.

Information Sharing

We do not disclose personally identifiable non-public information to non-affiliated third parties, except as described in this Privacy Policy or as permitted by law, and we do not anticipate doing so in the future. If we change this firm policy, we will advise clients.

We may share information as follows:

• To complete transactions or account changes as directed by the client (e.g., with broker-dealer)
• To service a client's account (e.g., with custodian)
• If requested by the client (e.g., to client accountant)
• With contracted third parties who require this information to develop, support, or deliver services for the client (e.g., account reporting or aggregation)
• With Chicago Clearing Corp, an unaffiliated third party, for support regarding securities class action matters
• With certain unaffiliated third parties to provide tax preparation analysis, assistance, and/or estate planning services and documents
• As required by applicable or regulatory authorities with jurisdiction over us

The firm does not provide clients' non-public information to mailing list vendors or solicitors. We do not share such information with non-affiliates for marketing purposes, nor do we engage in joint marketing with non-affiliates.

Use of Artificial Intelligence (AI)

We may utilize artificial intelligence (AI) tools internally to assist in summarizing and organizing notes from client meetings to enhance record-keeping and efficiency.

These AI tools:

• Do not replace human oversight
• Are reviewed for accuracy and compliance with regulatory standards
• Are not used to make investment decisions or communicate directly with clients

We conduct thorough due diligence and ongoing assessments of AI tools' privacy and cybersecurity protocols to ensure they meet security and confidentiality standards.

If you have any questions or wish to opt out of AI-assisted note-taking, please contact us.

Opt-Out Option

If you prefer that we do not disclose your personally identifiable non-public information to non-affiliated third parties for service purposes (e.g., Chicago Clearing Corp.), you may opt out.

To opt out, please contact:
Mark Buchanan (Chief Compliance Officer)
📞 (608) 662-9018
📧 mark@canopy-wealth.com

You may exercise this right at any time. State laws may also provide additional rights to limit information sharing.

Data Security & Retention

We maintain a secure office and computer environment to ensure client information is not placed at unreasonable risk. Access is limited to employees and agents who have a business or professional need-to-know.

We retain client records:

• For the duration of the client relationship
• For the required period under applicable laws and regulations

After this period, all information is securely destroyed.

Contact Information

We welcome the opportunity to answer any questions about this policy or the safeguarding and confidentiality of personally identifiable non-public information.

All new clients are provided with a copy of this Privacy Policy. Existing clients will receive updates if the policy is amended.