Privacy & Cookie Policy
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WorthNet Privacy Policy
Last Revised: June 9, 2025
IMPORTANT – PLEASE READ CAREFULLY
PLEASE REVIEW THE FOLLOWING “PRIVACY POLICY NOTICE” CAREFULLY TO UNDERSTAND HOW WE COLLECT, USE, AND PROTECT YOUR INFORMATION. WE STRONGLY RECOMMEND THAT YOU PRINT OR SAVE A COPY OF THIS POLICY FOR YOUR RECORDS.
Maintaining the trust and confidence of our clients is a high priority. That’s why we are committed to helping you understand how we collect and use your information and the steps we take to safeguard it. All financial companies need to share customers’ personal information to run their everyday business. Financial companies also choose how they will share such personal information. Federal law gives consumers the right to limit some types of information sharing, but not all. Additionally, Regulation S-AM, Regulation S-ID, and other federal and state laws, such as the Gramm-Leach-Bliley Act (“GLBA”) and Regulation P, require us to inform you about how we collect, share, and protect your personal information.
This policy, in addition to our Gramm-Leach-Bliley Act Notice, provides detailed information on the partners with whom we share your information and when and how you may limit that sharing. Please note that some states require additional disclosures and those are also outlined in this policy.
WorthNet, LLC (“WorthNet,” “the Company,” “we,” “our,” or “us”) provides this Privacy Policy to describe how we collect, use, and share the information of individuals who visit our Site at www.worthnet.com (the “Website”) and all its related Websites owned or registered to WorthNet, LLC and any mobile applications made available by us for use on, or through, computers or mobile devices (the “Apps”).
We reserve the right to modify or supplement this Privacy Policy at any time. In the event of such changes, the “Last Revised” date (at the top of this page) will be revised, and the updated policy will take effect immediately upon publication. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your personal information and to remain aware of any updates. Continuing to use our services after the posting of any changes signifies your acceptance of the revised Privacy Policy.
What Information Do We Collect and How Is It Used?
The types of personal information WorthNet, LLC will collect and share depend on the Promoter referral advisory services you utilize with us. This information can include, but is not limited to, your:
- Identifiers, including contact information, such as full name, email address, state of residence, phone number, date of birth, beneficiaries and dependents;
- Characteristics of protected classifications under state and federal law, such as age, gender, marital status;
- Information related to transactions with us, such as income, investments, risk tolerance, financial goals and objectives, employment, property ownership, and education.
In the chart below we list the reasons financial companies can share their customers’ personal information; the reasons our firm chooses to share; and whether you can limit this sharing. Even after you are no longer a customer, we may continue to share your information as outlined in this notice. In accordance with federal and state securities laws, we will retain your personally identifiable information for the required duration. Once this period has passed, your information will be securely destroyed.
Information You Can Limit Our Ability to Share
| Reasons We Can Share Your Personal Information | Does WorthNet, LLC Share? | Can You Limit This Sharing? |
| For our everyday business purposes – this includes processing your transactions, sharing information with our attorneys, accountants, or auditors, complying with court orders and legal investigations, or reporting to credit bureaus, government agencies, or other third parties in response to subpoenas, legal processes, or regulatory inquiries as required by law. | Yes | No |
| For our marketing purposes – to offer our Promoter referral advisory services to you. | Yes | Yes (via opt-out) |
| For joint marketing with other financial companies. | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions and experiences. | Yes | No |
| For our affiliates’ everyday business purposes – information about your creditworthiness. | No | We don’t share. |
| For our affiliates to market to you. | Yes | Yes (via opt-out) |
| For non-affiliates to market to you. | No | We don’t share. |
Digital Advertising & Analytics
We may partner with ad networks and other ad-serving providers (“Advertising Providers”) that serve ads on behalf of us and others on non-affiliated platforms. Some ads may be personalized, meaning they are intended to be relevant to you based on information Advertising Providers collect about your use of the Site, and other sites or apps over time, including information about relationships among different browsers and devices.
We may also work with third parties that collect data about your use of the Website and other sites or apps over time for non-advertising purposes. WorthNet, LLC uses Google Analytics and other third-party services to improve the Site’s performance and for analytics and marketing purposes.
For more information about how Google Analytics collects and uses data when you use our Website click here. To opt out of Google Analytics, go here.
Cookies
We respect your privacy choices and will honor any global privacy control signals you may send through your browser or device. To control your privacy choices and read more about our cookie usage, see the Cookie Policy area of this page, or click here.
Third-Party Links & Tools
Our Website may contain hyperlinks to external websites we do not operate or control. This Privacy Policy applies solely to our Website. We do not assume responsibility for third-party websites’ content, privacy practices, or data handling procedures. We strongly encourage you to review the privacy notices of any external websites you visit to understand how your personal information may be collected, used, or shared.
Additionally, our Website may incorporate social media features or plug-ins provided by third-party platforms, such as social networking tools. If you use these tools to share personal information or you otherwise interact with these features on the Website, these companies may collect information about you and may use and share such information in accordance with your account settings, including sharing such information with the general public. Your interactions with third-party companies and your use of their features are governed by the privacy notices of the companies that provide those features. We encourage you to carefully read the privacy notices of any accounts you create and use.
Unsolicited Email Advertising Policy
We require that all third-party emails promoting www.worthnet.com or our Promoter referral advisory services be sent only to those who have agreed to receive such messages. We prohibit any advertising of ourselves and our Website using unsolicited email messages. We will terminate our relationship with any third parties who do not comply with this policy.
If you feel you’ve been sent unsolicited emails promoting us or our Website and would like to register a complaint, please email us at [email protected]. We will immediately investigate your complaint.
Website Accessibility
If you have issues accessing or reading anything provided by WorthNet, LLC, please email [email protected], write to us at WorthNet, LLC, ATTN: Website Accessibility, 16 W Madison St., Baltimore, MD 21201, or call (667) 312-3548.
How to Contact Us
If you have any questions or concerns about our use of your personal information, please email [email protected], write to us at WorthNet, LLC, ATTN: Compliance, 16 W Madison St., Baltimore, MD 21201, or call (667) 312-3548.
Additional Privacy Practices
Children’s Online Privacy Protection Act
The Children’s Online Privacy Protection Act imposes requirements on operators of websites or online services directed to children, and on operators of websites or online services that have actual knowledge that they are collecting personal information about children under 13 years of age. Our current policy is not to collect, use, sell or share any personal information of any person under 18 years old. If this policy changes, we will revise this portion of our Notice of Privacy Practices and will comply with the requirements of the Children’s Online Privacy Protection Act.
Former Clients
Even if we cease to provide you with our Promoter referral services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic personal information with strict confidentiality.
International Customers
Primarily, personal information is collected, maintained and processed in the United States. The United States may not have laws deemed adequate by the jurisdictions in which you reside. By visiting our Site you acknowledge and unambiguously agree to such practices pertaining to collecting, maintaining and processing your personal information.
State-Specific Disclosures for Consumer Privacy Rights
This section contains disclosures as required by the states in which we conduct our advisory business. California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), the Consumer Data Protection Act (CDPA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Connecticut Act Concerning Personal Data Privacy and Online Monitoring (CTDPA), the Utah Consumer Privacy Act (UCPA), the Oregon Consumer Privacy Act (OCPA), the Texas Data Privacy and Security Act (TDPSA), the Montana Consumer Data Privacy Act (MTCDPA), the Iowa Consumer Data Protection Act (ICDPA), the Delaware Personal Data Privacy Act (DPDPA), the Nebraska Data Privacy Act (NDPA), the New Hampshire Privacy Act (NHPA), and the New Jersey Data Privacy Act (NJPA), and applies only to “personal information” that is subject to the CCPA/CPRA, CDPA, VCDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA, ICDPA, DPDPA, NDPA, NHPA, and NJPA.
Consumers with disabilities may access this notice by writing to WorthNet, LLC, ATTN: Website Accessibility, 16 W Madison St., Baltimore, MD 21201, or calling (667) 312-3548.
Personal Information We Collect, Disclose, Sell & Share for a Business Purpose
Prior to June 9, 2025, WorthNet, LLC did not collect, disclose, sell or share any personal consumer information to third parties for business or commercial purposes. Beginning June 9, 2025, WorthNet, LLC may have collected then disclosed and sold/shared California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, and New Jersey consumers’ personal information to third parties for business or commercial purposes, as outlined in the chart below.
| Categories of Personal Information | Collected in the past 12 months: | Categories of sources from which information is collected: | Business or commercial purposes for collection, use, and sharing: | Disclosed for business purposes to the following categories of third parties: | Sold/Shared to/with the following categories of third parties: | Retention Period: |
| Personal & online identifiers (such as first and last name, email address, or unique online identifiers) | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Categories of information described in Section 1798.80(e) of the California Civil Code (such as bank account number, credit card number, debit card number, or any other financial information) | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Commercial or transaction information (such as records of personal property or products or services purchased, obtained or considered) | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Internet or other electronic network activity information (such as browsing history, search history, interactions with a website, email, application, or advertisement) | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Professional or employment-related information | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Education information | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Inferences drawn from the above information about your predicted characteristics and preferences | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
| Sensitive personal information collected regarding User account log-in details | Yes | All categories listed below. | All purposes listed below. | All categories listed below. | All categories listed below. | As stated below. |
We collect personal information from the following categories of sources:
- Consumers
- Service providers
- Marketing affiliates
- Other companies
- Consumer reporting agencies
Purposes For Which We Collect, Use & Share Personal Consumer Information
We collect, use, share and disclose personal consumer information for business and commercial purposes as set out in this Privacy Policy, including those outlined in our Gramm-Leach-Bliley Act Notice. These purposes include, without limitation:
- Our commercial purposes, including marketing, advertising, and enabling commercial transactions
- Sharing information with our partner adviser network if you choose to be connected with them
- Our business purposes as identified in the CCPA/CPRA, CDPA, VCDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA, ICDPA, DPDPA, NDPA, NHPA, and NJPA, which include:
- Conducting audits related to interactions and transactions with you
- Legal compliance
- Detecting, preventing, and responding to security incidents, fraud, and other illegal activities
- Debugging to identify and repair errors that impair functionality
- Performing services on our behalf (or on behalf of our service providers) including conducting data analytics
- Internal research for technological improvement
- Internal operations
- Activities to maintain and improve our services
- Complying with federal, state, or local laws, rules, or regulations
- Responding to civil, criminal, or regulatory inquiries, investigations, subpoenas, or summonses from federal, state, local, or other government authorities
- Cooperating with law enforcement agencies concerning conduct or activity that we reasonably and in good faith believe may violate federal, state, or local laws, rules, or regulations
- Other one-time uses
Recipients of Consumers’ Personal Information
We sell the personal consumer information listed above to the categories of third parties listed below for consumers in California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, and New Jersey:
- Service providers
- Our partner adviser network
- Marketing affiliates
We disclose the categories of personal information listed above to the categories of third parties listed below for business purposes:
| Category | Processing Description |
| Service Providers | Facilitating our Promoter referral services, marketing, advertising, enabling commercial transactions, payments, analytics, auditing related to our interactions with you, and detecting and protecting against security incidents, fraud, and illegal activity. |
| Our Partner Adviser Network | Facilitating our Promoter referral services, marketing, and advertising. |
| Marketing Affiliates | Marketing, advertising, and detecting and protecting against security incidents, fraud, and illegal activity. |
| Advertising Networks & Consumer Data Resellers | Marketing and advertising. |
| Internet Service Providers | Detecting and protecting against security incidents, fraud, and illegal activity. |
| Data Analytics Providers | Analytics. |
| Operating Systems & Platforms | Facilitating our Promoter referral services, analytics, auditing related to our interactions with you, and detecting and protecting against security incidents, fraud, and illegal activity. |
| Social networks | Marketing and advertising. |
| Government Entities (as required by law) | To maintain compliance with federal, state, or local laws, rules, or regulations; to respond to civil, criminal or regulatory inquiries, investigations, subpoenas, or summons by federal, state, local, or other government authorities; and to cooperate with law enforcement agencies concerning conduct or activity that we reasonably and in good faith believe may violate federal, state, or local laws, rules or regulations. |
Your Rights Regarding Personal Consumer Information
Depending on your state of residence, you may have the following rights with respect to the personal information collected by businesses, and you may exercise those rights subject to certain exceptions and limitations (such as those outlined in our Gramm-Leach-Bliley Act Notice):
- The right to know/access the categories and specific pieces of personal information we collect, use, disclose, and sell/share about you; the categories of sources from which we collected your personal information; our purposes for collecting or selling/sharing your personal information; the categories of your personal information that we have either sold/shared or disclosed for a business purpose; and the categories of third parties with which we have shared personal information. (This right applies to California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, and New Jersey consumers.)
- The right to request that we delete the personal information we have collected from you or maintain about you. Upon verification of your request, we will notify third parties to whom we have shared your personal information with to delete your information as well. (This right applies to California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, and New Jersey consumers.)
- The right to correct inaccurate personal information we have collected from you or maintain about you. (This right applies to California, Virginia, Colorado, Connecticut, Oregon, Texas, Montana, Delaware, Nebraska, New Hampshire and New Jersey consumers.)
- The right to limit use and disclosure of sensitive personal information we have collected from you or maintain about you, if we use this information for any purpose other than the designated purpose you agreed to. (This right applies to California consumers.)
- The right to opt out of targeted advertising. (This right applies to Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire and New Jersey consumers.)
- The right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. (This right applies to Virginia, Colorado, Connecticut, Oregon, Texas, Montana, Delaware, Nebraska, New Hampshire and New Jersey consumers.)
- The right to appeal should we be unable to act on your Privacy Request.
- The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA/CPRA, CDPA, VCDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA, ICDPA, DPDPA, NDPA, NHPA, and NJPA.
To exercise any of the above rights, please contact us as follows:
- Email [email protected], write to us at WorthNet, LLC, ATTN: Compliance, 16 W Madison St., Baltimore, MD 21201, or call (667) 312-3548.
- On our website by clicking on the “Do Not Sell My Info” link or by clicking here.
Other California Privacy Rights
California’s “Shine the Light” law allows California residents to ask us one time each year if we have shared personal information with third parties for their direct marketing purpose. To make such a request, please email [email protected], write to us at WorthNet, LLC, ATTN: Compliance, 16 W Madison St., Baltimore, MD 21201, or call (667) 312-3548.
WorthNet Cookie Policy
Last Revised: June 9, 2025
IMPORTANT – PLEASE READ CAREFULLY
PLEASE REVIEW THE FOLLOWING “COOKIE POLICY” CAREFULLY. IF WE CHANGE OUR COOKIE POLICY, WE WILL NOTIFY YOU OF THOSE CHANGES HERE. WE STRONGLY RECOMMEND THAT YOU PRINT OR SAVE A COPY OF THIS POLICY FOR YOUR RECORDS.
What are Cookies?
As is common practice with almost all professional websites, this Site uses cookies and other tracking devices to improve your experience. “Cookies,” which are tiny pieces of data downloaded to your computer or mobile device, are essential to the effective operation of our Site. Cookies on this Site also help to tailor the services offered and advertised to Website Users and elsewhere.
The cookies we set are called “first-party cookies.” Cookies set by parties other than us are called “third-party cookies.” Third-party cookies enable third-party features or functionality to be provided on or through the Website (such as advertising, interactive content and analytics). The third parties that set these third-party cookies can recognize your computer both when it visits the Website in question and also when it visits certain other websites or services.
This page describes what information they gather, how we use it and why we sometimes need to store these cookies.
We will also share how you can prevent these cookies from being stored although this may downgrade or “break” certain elements of the Website’s functionality.
For more general information on cookies, see this article on HTTP cookies.
How We Use Cookies
We use cookies for a variety of reasons, which are detailed below.
Also, from time to time we test new features or offers and make subtle changes to how the Site is delivered. When testing new features, test cookies may be used to ensure you receive a consistent experience while on the Site and to allow us to understand which optimizations our Users appreciate the most.
We also use social media buttons and/or plug-ins on this Site, allowing you to connect with social networks in various ways. For these to work, social media websites including Facebook, X, Google+, and StumbleUpon will set cookies through our Website which may be used to enhance your profile on their website or contribute to the data they hold for various purposes outlined in their respective privacy policies.
Unfortunately, in most cases, there are no industry-standard options for disabling cookies without completely disabling the functionality and features they add to this Website. It is recommended that you leave all cookies on if you are unsure whether you need them or not, in case they are required to provide a service you use.
The Cookies We Set
If you are a registered User with us, we will use cookies to manage the signup process and general administration. These cookies will usually be deleted when you log out; however, in some cases, they may remain afterward to remember your site preferences when logged out.
We use cookies when you are logged in to remember this fact. This prevents you from having to log in every time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in.
Cookies also may be used to remember if you are already registered and whether to show certain notifications that might only be valid for registered/unregistered Users.
From time to time, we offer User surveys and questionnaires to provide you with interesting insights and tools to help you understand our service more accurately. These surveys may use cookies to remember who has already taken part in a survey or provide accurate results after you change pages.
When you submit data to us through a form such as those found on contact pages or comment forms, cookies may be set to remember your User details for future correspondence.
To provide you with a great experience, we provide the functionality to set your preferences for how this Site runs when you use it. To remember your preferences we need to set cookies so that this information can be called whenever you interact with a page on our Site.
The specific types of cookies served through our Website are described below:
Disabling Cookies
Cookies help you to get the most out of our Website. If you disable the cookies you may find that certain sections of our Website don’t work (for example, you may have difficulty viewing subscription-only articles) or don’t work as well as you expected. However, in case you want to disable cookies, you have the following options:
Website Cookie Preference Tool: You can exercise your preferences regarding the cookies served on our website by visiting our cookie settings preference center. You can also exercise your Website cookie preferences by visiting the TRUSTe preference center by clicking here.
Cookie Settings
Browser Controls: You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our Website though your access to some functionality and areas of our Website may be restricted. As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser’s help menu for more information.
Global Privacy Control and Do Not Track signals: Some Internet browsers – like Internet Explorer, Firefox, and Safari – include the ability to transmit a “Global Privacy Control” or “GPC” signal, and “Do Not Track” or “DNT” signals. We honor GPC and DNT signals. To learn more about “GPC” signals, please visit the Global Privacy Control website. To learn more about “DNT,” please visit All About Do Not Track.
If you have opted out of cookies used for targeted advertising or the sale of your personal information, you may wish to clear any existing cookies from your browser. Below are instructions on how to do this for various popular browsers:
Google Chrome:
- Open Chrome and click on the three dots in the upper right corner.
- Select Settings.
- Click on Privacy & Security.
- Choose Clear Browsing Data.
- In the dialog that appears, select Cookies & Other Site Data and choose the time range.
- Click Clear Data.
Mozilla Firefox:
- Open Firefox and click on the three horizontal lines in the upper right corner.
- Select Settings.
- Go to Privacy & Security.
- Under Cookies & Site Data, click on Clear Data.
- Ensure Cookies & Site Data is checked, then click Clear.
Safari (Mac):
- Open Safari and click on Safari in the menu bar.
- Select Preferences, then go to the Privacy tab.
- Click on Manage Website Data.
- You can either remove specific cookies or click Remove All to delete all cookies.
Microsoft Edge:
- Open Edge and click on the three dots in the upper right corner.
- Select Settings, then go to Privacy, Search, & Services.
- Under Clear Browsing Data, click on Choose What to Clear.
- Select Cookies & Other Site Data, then click Clear Now.
For other browsers or more detailed instructions, please refer to your browser’s help section.
If you want to learn more about cookies, or how to disable targeted advertising cookies, visit this website.
Links to Other Websites
Our Website may include hyperlinks to other Sites we do not operate or control. This Cookie Policy only applies to our Website, and we are not responsible for third-party sites’ content, privacy, and cookie practices.
Updates to This Cookie Policy
We may update this Cookie Policy from time to time in response to changing legal, technical or business developments. When we update our Cookie Policy, we will take appropriate measures to inform you, consistent with the significance our changes.
You can see when this Cookie Policy was last updated by checking the “Last Revised” date displayed at the top of this policy.
How to Contact Us
If you have any questions or concerns about our use of your personal information, please contact us by clicking here.