Privacy policy.

EFFECTIVE AUGUST 28, 2026 · DRAFT PENDING COUNSEL REVIEW

1. Who we are

This policy describes how the Xel family of firms collects, uses, shares, and protects information: Xel Advisors, Inc. (tax, accounting, and business advisory), Xel Wealth Management, Inc. (a Registered Investment Adviser), and XA Insurance Services, Inc. (insurance brokerage). Each is a separate legal entity; each engagement is governed by its own agreement.

It applies to this website, our client portals, and the communications we exchange with you by email, phone, and text message. Our headquarters is 337 N Vineyard Ave, Suite 230, Ontario, CA 91764, and we maintain offices in Eugene and Salem, Oregon; Orlando, Florida; and Savannah, Georgia.

Because we provide tax preparation, accounting, advisory, and insurance services, we are treated as a financial institution under the Gramm-Leach-Bliley Act (GLBA) and are subject to the FTC Safeguards Rule, and our tax practice is additionally subject to Internal Revenue Code §7216, which restricts how tax return information may be used or disclosed.

2. Information we collect

We collect only what we need to serve you, meet our professional obligations, and run the firm. That falls into a few categories:

• Identifiers and contact information — name, address, email address, telephone and mobile number.
• Tax and financial information — Social Security or taxpayer identification numbers, income, deductions, dependents, bank and brokerage details, business financial statements, payroll records, and the documents you upload to support them.
• Engagement information — the services you request, your engagement letters, correspondence with us, notes from meetings and calls, and billing records.
• Communications content and metadata — emails, portal messages, and text messages exchanged with us, including the date, time, and phone number involved.
• Website and technical information — IP address, browser and device type, pages visited, and referring page, collected through standard server logs and any analytics we deploy.
• Information from third parties — the IRS and state tax agencies, your other advisors when you authorize contact, custodians and insurance carriers, and payroll or accounting platforms you connect.

We do not knowingly collect information from children under 13, and this website is not directed to children.

3. How we use information

We use your information to prepare and file returns, maintain your books, provide advisory and brokerage services, communicate with you, process payments, comply with legal and professional obligations, secure our systems, and — where permitted — tell you about services that may be relevant to you.

Tax return information receives special treatment. Under IRC §7216, we will not use or disclose information you provide for tax preparation for any purpose other than preparing your return, unless the law permits it or you give us prior written consent on a separate, compliant consent form. Signing an engagement letter is not, by itself, that consent.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

4. SMS Terms & Conditions

We use RingCentral for our business telephone and text messaging. If you provide a mobile number and consent, we may text you about your engagement, documents we need, appointment reminders, and firm updates. Consent to receive text messages is not a condition of any service we provide.

By submitting your contact information, you agree to be contacted about your request & other information using text messaging. Message frequency may vary. Message & data rates may apply. You can opt out any time by texting STOP to cancel. For assistance, text HELP or visit our website at www.xeladvisors.com. Visit www.xeladvisors.com/privacypolicy for privacy policy and www.xeladvisors.com/terms-conditions for Terms and Conditions. No mobile information will be shared or sold to third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Opting out. Reply STOP to any message to stop texts from that number; reply HELP for assistance. Opting out of text messages does not remove you from email or telephone contact, and we may still need to reach you by other means about active work.

Carriers. Mobile carriers are not liable for delayed or undelivered messages. Message and data rates may apply based on your plan.

5. When we share information

We share your information only in these circumstances:

• Service providers who need it to support our work, under contracts requiring them to protect it and use it only for that purpose — including Microsoft 365 (email, documents, and file storage), TaxDome and Canopy (secure client portals, document exchange, and e-signature), RingCentral (telephone and text messaging), our tax preparation and accounting software providers, and our payment processors.
• Within the Xel family — between Xel Advisors, Xel Wealth Management, and XA Insurance Services — only with your consent or as otherwise permitted by law. Where consent is required, we ask for it in writing and you may decline without affecting the services you already receive.
• At your direction — for example, to your attorney, lender, or another advisor when you ask us to send something.
• Custodians and carriers — where you engage our affiliates, to the institutions holding your accounts or underwriting your coverage (for example, Charles Schwab & Co., Inc. for advisory accounts).
• As required by law — in response to subpoenas, court orders, regulatory examinations, or peer review, and to comply with professional standards.
• In a business transaction — if the firm merges or transfers a practice, subject to the same protections and applicable professional rules.

We do not share text messaging originator opt-in data or consent with any third party, for any purpose.

6. How we protect information

We maintain an information security program with administrative, technical, and physical safeguards designed to meet the FTC Safeguards Rule, including access controls limited to personnel who need the information, multi-factor authentication on firm systems, encryption of data in transit and at rest with our platform providers, vendor due diligence, staff training, and an incident response plan.

Please use the portals. Send documents containing Social Security numbers, account numbers, or other sensitive data through TaxDome or Canopy — not as unencrypted email attachments. Ordinary email and text messaging are not secure channels, and we will move sensitive exchanges into the portal.

No system is perfectly secure. If a breach affecting your information occurs, we will notify you as required by applicable law.

7. How long we keep it

We retain client records for the period required by professional standards, our records-retention policy, and applicable law — generally at least seven years after an engagement ends for tax and accounting records, and longer where a regulation, statute of limitations, or litigation hold requires it. Advisory records are retained as required by SEC and state investment adviser rules. When retention is no longer required, records are securely destroyed.

8. Your privacy rights

Depending on where you live, you may have rights to access, correct, delete, or obtain a copy of your personal information, and to appeal a decision we make about a request.

• California (CCPA/CPRA) — rights to know, delete, correct, and opt out of sale or sharing. We do not sell or share personal information as those terms are defined. Note that much of the information we hold is subject to the GLBA exemption, which limits how these rights apply to financial-services records.
• Oregon, Florida, and other states with comprehensive privacy laws — comparable rights, subject to the same financial-institution and tax-practice exemptions.
• All clients — you may ask us to limit sharing with our affiliates, request a copy of our current privacy notice, and correct inaccurate contact information at any time.

To exercise a right, email hello@xeladvisors.com or call +1 (866) 793-5272. We will verify your identity before acting, respond within the time the applicable law allows, and will not discriminate against you for making a request. An authorized agent may submit a request with proof of authority.

9. Cookies, analytics & tracking

This website uses only what it needs to function, plus any analytics we deploy to understand traffic in aggregate. We do not run third-party advertising networks on this site and do not build advertising profiles from your visit. You can block or delete cookies in your browser settings; the site will still work. We honor Global Privacy Control (GPC) signals where applicable law requires it.

10. The website assistant

This site offers an optional chat assistant that answers general questions about the firm. Conversations are processed by our AI provider to generate a response and are not used to make decisions about you. Do not enter Social Security numbers, account numbers, or other sensitive personal information into the chat. For anything specific to your situation, book a consultation or message us through the portal.

11. Changes to this policy

We may update this policy as our practice, technology, or the law changes. The effective date at the top reflects the current version, and we will provide our privacy notice at the start of an engagement and upon material change as required.

12. How to reach us

Questions, requests, or concerns about privacy: hello@xeladvisors.com · +1 (866) 793-5272 · Xel Advisors, Inc., Attn: Privacy, 337 N Vineyard Ave, Suite 230, Ontario, CA 91764.