Effective Date: 3/16/2026
Gavande & Company is committed to protecting the confidentiality and security of personal information entrusted to us by clients and prospective clients. Protecting client privacy is an important part of maintaining the trust and confidence placed in our firm.
This Privacy Policy describes how we collect, use, and safeguard personal information in connection with the financial services offered through our affiliated companies.
Our Commitment to Privacy
Our clients' privacy is not for sale. Gavande & Company and its affiliated entities do not sell nonpublic personal client information to anyone for any reason.
We disclose client information only as permitted or required by law and only to the extent necessary to provide financial services.
We maintain safeguards designed to:
• ensure the confidentiality of client information
• protect the security of client records
• protect against unauthorized access to personal information
• protect against anticipated threats to the integrity of such records.
Information We Collect
In order to provide financial services, we may collect personal information about clients and prospective clients.
Examples of personal information we may collect include:
Contact Information
• full name
• mailing address
• email address
• telephone number
Identification Information
• date of birth
• Social Security number or tax identification number
• government identification numbers
Financial Information
• income and net worth
• investment holdings
• financial account information
• tax information
• asset levels and financial objectives
Profile Information
• investment objectives and risk tolerance
• financial planning information
• family and beneficiary information provided by the client
Sources of Information
We may obtain personal information from a variety of sources, including:
• information provided directly by clients on applications or other forms
• discussions with clients during meetings or consultations
• custodians such as Charles Schwab & Co., Inc.
• financial institutions or service providers assisting with financial services
• publicly available information sources.
Our website may also collect limited technical information such as IP addresses, browser type, and pages viewed.
How We Use Client Information
We use personal information primarily to provide financial services, including:
• providing investment advisory services
• financial planning and portfolio management
• facilitating insurance or mortgage services through affiliated companies
• communicating with clients
• complying with legal and regulatory requirements.
We may also use information internally to improve our services and maintain client relationships.
Sharing of Information
We do not sell or rent client personal information.
We may share personal information with:
• custodians and broker-dealers (such as Charles Schwab & Co., Inc.)
• service providers assisting in the delivery of financial services
• regulatory authorities or government agencies when required by law
• third parties necessary to complete transactions requested by the client.
Any third-party service providers with whom we share information are required to maintain the confidentiality of that information.
How We Protect Your Information
We maintain administrative, technical, and physical safeguards designed to protect client information.
Examples include:
• restricted access to confidential information
• secure storage of client records
• encrypted electronic communication where appropriate
• internal policies governing access to client information.
While we take reasonable precautions to protect personal information, no method of transmitting information over the internet can be guaranteed to be completely secure.
Former Clients
Our privacy policies and practices continue to apply even after a client relationship has ended. We continue to safeguard the confidentiality of former clients' personal information.
Children's Information
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children except where necessary to establish accounts such as custodial accounts established for minors.
California Privacy Rights
California residents may have additional privacy rights under applicable state laws including the California Consumer Privacy Act (CCPA).
These rights may include the ability to:
• request information about personal information collected
• request correction of inaccurate information
• request deletion of certain personal information, subject to regulatory obligations.
Requests may be submitted by contacting us using the information below.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. Updates will be posted on this website.
Contact Information
If you have questions regarding this Privacy Policy or our privacy practices, please contact:
Gavande & Company
24685 Soquel San Jose Road, Los Gatos, CA 95033
Phone: (650) 709-7067
Email:
Disclosure Regarding Affiliated Companies
Gavande & Company is a brand representing financial services offered through affiliated entities.
Investment advisory services are offered through The Santa Cruz Company LLC dba Farm and Community Advisory, a California registered investment adviser.
Insurance services are offered through The Santa Cruz Company LLC dba Farm and Community Insurance Agency.
Mortgage services are offered through Farm and Community Asset Advisors LLC dba Farm and Community Mortgage, licensed under applicable California lending laws.