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Privacy Policy
Terms & ConPrivacy Policy
This Privacy Policy applies solely to HS Financial Group, LLC’s online information gathering and dissemination practices in connection with this website (collectively, the “Site”), and does not apply to any of our practices conducted offline or outside of the U.S. We do not collect any personally identifiable information from you (e.g., name, address, telephone number, email address) when you use the Site. Should you voluntarily choose to submit or otherwise disclose such information to us, including information submitted or disclosed by mail, telephone, fax or electronically, it is not governed by this Privacy Policy.
HS Financial Group, LLC is committed to protecting your privacy. When you use the Site, you consent to the use of your non-personal information by HS Financial Group, LLC in the manner specified in this Privacy Policy. This policy may change periodically, so please check back from time to time. By your continued use of the Site, you consent to the terms of the revised policy. For your information, the date of the last update to this Privacy Policy is May 15, 2018.
If you have any questions or comments about this Privacy Policy or our practices regarding your non-personally identifiable information, please contact us at the following address: 18013 Cleveland Parkway, Cleveland, OH 44135
WHAT INFORMATION WE COLLECT AND HOW WE USE THAT INFORMATION
You may use the Site without disclosing to us any personally identifiable information. We do not collect any personally identifiable information from you (e.g., name, address, telephone number, email address) when you use the Site. If you contact us, we may keep a record of your contact information and correspondence, and we reserve the right to use your contact information, and any other information that you provide to us in your message, to respond thereto. If you wish to change any information submitted to us, please do so by contacting us at the address provided above.
We may use cookies to collect non-personally identifiable information in connection with the Site. Our web pages may incorporate “pixel tags,” “web beacons,” or similar tracking technologies (collectively, “pixel tags”) that allow us or our agents to track the actions of users of the Site. Pixel tags are used to collect non-personally identifiable information, such as the name of your Internet service provider, the IP address of the computer you are using, the type of browser software and operating system that you use, the date and time you access the Site, the website address, if any, from which you linked directly to the Site, the website address, if any, to which you travel from the Site and other similar traffic-related information. We may also aggregate your information with similar data collected from other users to help us improve the Site and the services that we provide through the Site.
In the event of a sale or transfer of assets or of any portion of our business, we reserve the right to transfer any and all information that we collect from users, or that we otherwise collect in connection with the Site, to unaffiliated third parties or third parties.
Monitoring, Enforcement and Legal RequestsHS Financial Group, LLC has no obligation to monitor the Site or the use of the Site or to retain the content of any user session. However, HS Financial Group, LLC reserves the right, at all times, to monitor, review, retain and/or disclose any information, as necessary, to satisfy any applicable law, regulation, legal process or governmental request or to cooperate with law enforcement and other authorities in investigating a claim of illegal activity. We may use IP addresses to identify a user when we feel it is necessary to protect the Site, our service, clients, potential clients or others.
Other SitesExcept as otherwise expressly discussed in this Privacy Policy, this policy only addresses our use and disclosure of information we collect from you. Any email messages and associated information that you send to addresses published on the Site are not governed by this policy. To the extent that you disclose personal or non-personal information to other sites, you are subject to the privacy customs and policies of those sites. We encourage you to ask questions before you disclose any personal information.
Effective: January 1, 2020
This California Consumer Privacy Act Disclosure (“CCPA Disclosure”) explains how HS Financial Group, LLC and its U.S. affiliates (collectively, “Law Offices of Timothy M Sullivan,” “we,” “us,” or “our”) collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA.
This CCPA Disclosure applies solely to California residents and supplements any other privacy policies or notices applicable to the HS Financial Group, LLC services that you visit or use.
What Personal Information Is Covered by the CCPA?Under the CCPA, “personal information” is 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 resident or household.
The CCPA does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and certain other state or federal privacy laws.
This CCPA Disclosure also does not apply to information that we collect in connection with providing products or services to other businesses (such as our commercial or small business customers) or when receiving products or services from our suppliers. Similarly, it does not apply to information we collect in the context of a person’s role as a job applicant, employee, associate, contractor, or other member of our workforce.
Categories of Personal Information we collectMost of the information we have collected has been collected in the context of providing collection services, and is therefore not subject to the CCPA.
In the past 12 months, we have collected the following categories of personal information, as defined in the CCPA, relating to California residents. The categories of personal information that we collect, use, and disclose about a California resident will depend on our specific relationship or interaction with that individual, and the examples provided in each category below are for illustrative purposes only.
CCPA CATEGORIES ILLUSTRATIVE EXAMPLESIdentifiers Name, address, email address, online identifiers,internet protocol address, Social Security numbers,
or other similar identifiers
Personal informationas defined in the California Customer Records Act,
Cal. Civ. Code § 1798.80
Contact and financial informationCommercial information Information about past transactions or purchasesInternet or similar network activity information Browsing history, search history,information on a consumer’s interaction
with our website, application, or advertisement
Geolocation data Device location (IP Address)Audio, electronic, visual, or similar information Call and video recordingsCategories of Sources of Personal InformationIn the past 12 months, we have collected personal information relating to California residents from the following sources:
Directly from youAffiliatesBusiness partnersService providersConsumer data resellersGovernment entities from which public records are obtainedPurposes for which We Use Personal InformationMost of the information we use is in the context of providing collection services, and is therefore not subject to the CCPA. We may use personal information relating to California residents for one or more of the following business purposes:
Providing and maintaining our products and servicesVerifying your identityDetecting and preventing fraudProtecting against security risksMaintaining our facilities, systems, and infrastructureCarrying out our legal and business purposes, such as complying with federal, state, or local laws, responding to civil, criminal, or regulatory lawsuits or investigations, exercising our rights or defending against legal claims, resolving complaints and disputes, performing compliance activities, performing institutional risk control, and otherwise operating, managing, and maintaining our businessAs otherwise disclosed to you at or before the point of collecting your personal informationWe may also use personal information relating to California residents for one or more of the specific “business purposes” listed in the CCPA:
Certain auditing compliance with applicable standardsDetecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activityDebugging to identify and repair errors that impair existing intended functionalityShort-term, transient usePerforming services on behalf of HS Financial Group, LLC or its service providers, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, and processing payments.Undertaking activities to verify or maintain the quality or safety of a service that is owned or controlled by HS Financial Group, LLC, and to improve, upgrade, or enhance the service that is owned or controlled by HS Financial Group, LLC.Disclosure of Personal Information to Third PartiesIn the past 12 months, we have disclosed each of the above-listed categories of personal information for our business purposes to one or more of the following categories of third parties:
AffiliatesBusiness partnersService providersGovernment entities and others with whom we share information for legal or necessary purposesIn the past 12 months, we have not shared personal information relating to California residents in a manner that we consider a sale within the meaning of the CCPA.
Please see the HS Financial group, LLC privacy policy for information on how we may use cookies to collect non-personally identifiable information in connection with our website and how you can opt out of these cookies.
Changes to This California Consumer Privacy Act DisclosureWe may change or update this CCPA Disclosure in the future. When we do, we will post the revised CCPA Disclosure on our website. This CCPA Disclosure was last updated and became effective on the date posted at the top of this page.
CCPA- Your rights:
The right to request disclosure of a business’ data collection and sales practices in connection with the requesting consumer, including the categories of personal information that have collected, the source of the information, the use of the information and, if the information was disclosed or sold to third parties, the categories of personal information disclosed or sold to third parties and the categories of third parties to whom such information was disclosed or sold;The right to request a copy of the specific personal information collected about a consumer during the 12 months before the request;The right to have such information deleted (with exceptions);The right to request that personal information not be sold to third parties, if applicable; andThe right not to be discriminated against because a consumer exercised any of the new rights.Consumers may only make a personal information request twice in a 12-month period, and HS Financial Group, LLC will need to collect information from the requesting party so that we can verify the consumer’s identity, and HS Financial Group, LLC will respond within 45 days of receiving a personal information request.
Submitting a personal information or erasure request:
There are two ways to make a personal erasure request.
Call our toll free number- 1-888-774-0272. Ask for extension 122. Leave a message with your full name, address, phone number, account number, etc.Fill out the form linked HERESomeone from the office will respond within 45 days.
Opt Out options
HS Financial Group, LLC does not sell any personal information to any third party for monetary or other valuable consideration.ditions Governing Your Use of This Website
Last Updated – May 15, 2018
PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. HS Financial Group, LLC (“we,” “us”) provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.
We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.
Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).
If you have any questions about this Agreement, please contact us at the following address: 18013 Cleveland Parkway, Cleveland, OH 44135.
Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.Rules of Conduct. You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:Use the Site for any fraudulent or unlawful purpose.Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.Interfere with or disrupt the operation of the Site.Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.Frame or mirror all or any part of the Site without our prior express written authorization.HS Financial Group, LLC’s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of HS Financial Group, LLC and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use.Trade names, trademarks and service marks of HS Financial Group, LLC include “ ” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by HS Financial Group, LLC or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of HS Financial Group, LLC’s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.
HS Financial Group, LLC is committed to protecting your privacy. When you use the Site, you consent to the use of your non-personal information by HS Financial Group, LLC in the manner specified in this Privacy Policy. This policy may change periodically, so please check back from time to time. By your continued use of the Site, you consent to the terms of the revised policy. For your information, the date of the last update to this Privacy Policy is May 15, 2018.
If you have any questions or comments about this Privacy Policy or our practices regarding your non-personally identifiable information, please contact us at the following address: 18013 Cleveland Parkway, Cleveland, OH 44135
WHAT INFORMATION WE COLLECT AND HOW WE USE THAT INFORMATION
You may use the Site without disclosing to us any personally identifiable information. We do not collect any personally identifiable information from you (e.g., name, address, telephone number, email address) when you use the Site. If you contact us, we may keep a record of your contact information and correspondence, and we reserve the right to use your contact information, and any other information that you provide to us in your message, to respond thereto. If you wish to change any information submitted to us, please do so by contacting us at the address provided above.
We may use cookies to collect non-personally identifiable information in connection with the Site. Our web pages may incorporate “pixel tags,” “web beacons,” or similar tracking technologies (collectively, “pixel tags”) that allow us or our agents to track the actions of users of the Site. Pixel tags are used to collect non-personally identifiable information, such as the name of your Internet service provider, the IP address of the computer you are using, the type of browser software and operating system that you use, the date and time you access the Site, the website address, if any, from which you linked directly to the Site, the website address, if any, to which you travel from the Site and other similar traffic-related information. We may also aggregate your information with similar data collected from other users to help us improve the Site and the services that we provide through the Site.
In the event of a sale or transfer of assets or of any portion of our business, we reserve the right to transfer any and all information that we collect from users, or that we otherwise collect in connection with the Site, to unaffiliated third parties or third parties.
Monitoring, Enforcement and Legal RequestsHS Financial Group, LLC has no obligation to monitor the Site or the use of the Site or to retain the content of any user session. However, HS Financial Group, LLC reserves the right, at all times, to monitor, review, retain and/or disclose any information, as necessary, to satisfy any applicable law, regulation, legal process or governmental request or to cooperate with law enforcement and other authorities in investigating a claim of illegal activity. We may use IP addresses to identify a user when we feel it is necessary to protect the Site, our service, clients, potential clients or others.
Other SitesExcept as otherwise expressly discussed in this Privacy Policy, this policy only addresses our use and disclosure of information we collect from you. Any email messages and associated information that you send to addresses published on the Site are not governed by this policy. To the extent that you disclose personal or non-personal information to other sites, you are subject to the privacy customs and policies of those sites. We encourage you to ask questions before you disclose any personal information.
Effective: January 1, 2020
This California Consumer Privacy Act Disclosure (“CCPA Disclosure”) explains how HS Financial Group, LLC and its U.S. affiliates (collectively, “Law Offices of Timothy M Sullivan,” “we,” “us,” or “our”) collect, use, and disclose personal information subject to the California Consumer Privacy Act (“CCPA”). It also describes the privacy rights of California residents under the CCPA.
This CCPA Disclosure applies solely to California residents and supplements any other privacy policies or notices applicable to the HS Financial Group, LLC services that you visit or use.
What Personal Information Is Covered by the CCPA?Under the CCPA, “personal information” is 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 resident or household.
The CCPA does not apply to certain information, such as information subject to the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and certain other state or federal privacy laws.
This CCPA Disclosure also does not apply to information that we collect in connection with providing products or services to other businesses (such as our commercial or small business customers) or when receiving products or services from our suppliers. Similarly, it does not apply to information we collect in the context of a person’s role as a job applicant, employee, associate, contractor, or other member of our workforce.
Categories of Personal Information we collectMost of the information we have collected has been collected in the context of providing collection services, and is therefore not subject to the CCPA.
In the past 12 months, we have collected the following categories of personal information, as defined in the CCPA, relating to California residents. The categories of personal information that we collect, use, and disclose about a California resident will depend on our specific relationship or interaction with that individual, and the examples provided in each category below are for illustrative purposes only.
CCPA CATEGORIES ILLUSTRATIVE EXAMPLESIdentifiers Name, address, email address, online identifiers,internet protocol address, Social Security numbers,
or other similar identifiers
Personal informationas defined in the California Customer Records Act,
Cal. Civ. Code § 1798.80
Contact and financial informationCommercial information Information about past transactions or purchasesInternet or similar network activity information Browsing history, search history,information on a consumer’s interaction
with our website, application, or advertisement
Geolocation data Device location (IP Address)Audio, electronic, visual, or similar information Call and video recordingsCategories of Sources of Personal InformationIn the past 12 months, we have collected personal information relating to California residents from the following sources:
Directly from youAffiliatesBusiness partnersService providersConsumer data resellersGovernment entities from which public records are obtainedPurposes for which We Use Personal InformationMost of the information we use is in the context of providing collection services, and is therefore not subject to the CCPA. We may use personal information relating to California residents for one or more of the following business purposes:
Providing and maintaining our products and servicesVerifying your identityDetecting and preventing fraudProtecting against security risksMaintaining our facilities, systems, and infrastructureCarrying out our legal and business purposes, such as complying with federal, state, or local laws, responding to civil, criminal, or regulatory lawsuits or investigations, exercising our rights or defending against legal claims, resolving complaints and disputes, performing compliance activities, performing institutional risk control, and otherwise operating, managing, and maintaining our businessAs otherwise disclosed to you at or before the point of collecting your personal informationWe may also use personal information relating to California residents for one or more of the specific “business purposes” listed in the CCPA:
Certain auditing compliance with applicable standardsDetecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activityDebugging to identify and repair errors that impair existing intended functionalityShort-term, transient usePerforming services on behalf of HS Financial Group, LLC or its service providers, including maintaining or servicing accounts, providing customer service, processing or fulfilling transactions, verifying customer information, and processing payments.Undertaking activities to verify or maintain the quality or safety of a service that is owned or controlled by HS Financial Group, LLC, and to improve, upgrade, or enhance the service that is owned or controlled by HS Financial Group, LLC.Disclosure of Personal Information to Third PartiesIn the past 12 months, we have disclosed each of the above-listed categories of personal information for our business purposes to one or more of the following categories of third parties:
AffiliatesBusiness partnersService providersGovernment entities and others with whom we share information for legal or necessary purposesIn the past 12 months, we have not shared personal information relating to California residents in a manner that we consider a sale within the meaning of the CCPA.
Please see the HS Financial group, LLC privacy policy for information on how we may use cookies to collect non-personally identifiable information in connection with our website and how you can opt out of these cookies.
Changes to This California Consumer Privacy Act DisclosureWe may change or update this CCPA Disclosure in the future. When we do, we will post the revised CCPA Disclosure on our website. This CCPA Disclosure was last updated and became effective on the date posted at the top of this page.
CCPA- Your rights:
The right to request disclosure of a business’ data collection and sales practices in connection with the requesting consumer, including the categories of personal information that have collected, the source of the information, the use of the information and, if the information was disclosed or sold to third parties, the categories of personal information disclosed or sold to third parties and the categories of third parties to whom such information was disclosed or sold;The right to request a copy of the specific personal information collected about a consumer during the 12 months before the request;The right to have such information deleted (with exceptions);The right to request that personal information not be sold to third parties, if applicable; andThe right not to be discriminated against because a consumer exercised any of the new rights.Consumers may only make a personal information request twice in a 12-month period, and HS Financial Group, LLC will need to collect information from the requesting party so that we can verify the consumer’s identity, and HS Financial Group, LLC will respond within 45 days of receiving a personal information request.
Submitting a personal information or erasure request:
There are two ways to make a personal erasure request.
Call our toll free number- 1-888-774-0272. Ask for extension 122. Leave a message with your full name, address, phone number, account number, etc.Fill out the form linked HERESomeone from the office will respond within 45 days.
Opt Out options
HS Financial Group, LLC does not sell any personal information to any third party for monetary or other valuable consideration.ditions Governing Your Use of This Website
Last Updated – May 15, 2018
PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. HS Financial Group, LLC (“we,” “us”) provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.
We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.
Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).
If you have any questions about this Agreement, please contact us at the following address: 18013 Cleveland Parkway, Cleveland, OH 44135.
Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.Rules of Conduct. You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:Use the Site for any fraudulent or unlawful purpose.Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.Interfere with or disrupt the operation of the Site.Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.Frame or mirror all or any part of the Site without our prior express written authorization.HS Financial Group, LLC’s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of HS Financial Group, LLC and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use.Trade names, trademarks and service marks of HS Financial Group, LLC include “ ” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by HS Financial Group, LLC or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of HS Financial Group, LLC’s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.