thumbnail image
Fitzgerald Advisors: Debt & Note Broker, Strategy Consultants
  • Home
  • BOOK NOW
  • Assets
  • Services
  • Who We Are
  • Our Focus
  • Markets
  • Blog
  • FAQ
  • Contact Us
  • Debt & Note Broker, Strategy Consultants, Whole Loan Advisors

    Name *
    Email *
    Phone *
    Asset Type *
    Submit
  • BOOK NOW

    Choose a date and time to schedule your booking

    Schedule a 15-minute 1-on-1 call with us today!

    Schedule a 15-minute 1-on-1 call with us today!

    Get personalized advice with a free one-on-one consultation call.
    Select date and time
    Event time zone:Pacific/Midway GMT-11:00
    Book Now  
  • Feature Assets

    Unlock the Secrets of Selling Mortgage Notes

    How to Sell a Mortgage Note

    How to Sell a Mortgage Note

    1. Research the current market value of your commercial mortgage notes.
     

    2. Contact potential buyers, such as banks, private investors, or other financial institutions.
     

    3. Negotiate a sale price with the buyer.
     

    4. Prepare all necessary documents, such as the promissory note, deed of trust, and other legal documents.

     

    5. Sign the documents with the buyer and receive payment.


    6. Record the sale with the county recorder's office.

     

    For more information, read > Ultimate guide on Selling Mortgage Notes

     

    Get Your Free No-Commitment Quote Now - Click Here

    Get Quick Cash for Your Commercial Debt

    Transform late commercial accounts into reliable cash flow with Fitzgerald Advisors! Our debt purchase process is quick and compliant and offers a positive experience for all parties involved. No need to stress about tedious collections – enjoy guaranteed payouts within days of your initial request instead. Take the guesswork out of unmatched payments - get in touch today and start seeing results soon!

     

    Don't Wait - Sell Your Commercial Defaults Now
  • What We Do

    Fitzgerald Advisors, LLC is a leader in loan sale advisory services for banks and creditors. Our distinguished team of experts has the skills to successfully identify potential buyers in both performing and non-performing loans while structuring competitive deals on behalf of our clients. With an extensive understanding of credit markets across private mortgage notes, consumer debt, and more - we are committed to delivering quality service that meets all your objectives with best practices.

  • Who We Are

    Fitzgerald Advisors, LLC boasts a highly experienced management team composed of industry veterans with years of expertise in the whole loan, commercial/consumer debt portfolios, and real estate note brokerage fields.

     

    Our team has a proven track record in buying, selling, and managing portfolios of performing and non-performing notes.

     

    We are dedicated to our client's success in the loan sale advisory space, offering customized solutions tailored to each client's unique needs to maximize their return on assets (ROA). Whether through investment consulting services or note sale advisory services, Fitzgerald Advisors can help you make your portfolio more profitable.

     

    Our company has facilitated successful loan sales for banks and private parties alike. We are committed to helping our clients achieve their financial goals through expert advice and cutting-edge solutions.

     

    Andrew A. Bybee

    Loan Sale Advisor

    andy@fitzgeraldadvisors.com

     

    The most efficient way to reach me is through email, but you can also contact me by phone at 253-737-9009. I am available to answer any questions you may have. I look forward to hearing from you!

     

    Jeffery A. Hartman

    Loan Sale Advisor

    jeff@fitzgeraldadvisors.com

     

    Don't hesitate to ask any questions; I'm available and ready to help! Reach me via email or by calling 567-694-0684. Your interest is appreciated, so let's start a conversation today!

  • Our Focus

     

    Fitzgerald Advisors, LLC is a leading provider of distressed asset advisory services, specializing in helping financial institutions manage credit risk through efficient liquidity and asset disposition strategies. Our company represents a diverse group of highly capitalized investors constantly seeking a wide range of challenging investment opportunities. Our investors are experts in the workout, resolution, and management of distressed, sub-performing, and performing loans, notes, whole loans, and nonperforming charge-off debt.

     

    By partnering with us, financial institutions can benefit from our expertise and flexible solutions to quickly and effectively dispose of their most critical loans, allowing them to focus on their core business operations.

     

    Our team is dedicated to providing innovative and effective solutions to help our clients navigate complex financial challenges and achieve their goals.

  • The Markets We Serve

    Our team of experts is highly knowledgeable in all aspects of these loan products and can manage the entire process for you. From identifying potential buyers to structuring and negotiating deals, we will work on your behalf to ensure the best outcome. Our expertise extends beyond just buying and selling; we also specialize in brokering and investing in whole loan notes, making us a one-stop shop for all your credit industry needs.

    Distressed Debt

    • Installment Credit
    • Payday Advances
    • Consumer Credit
    • Credit Card Debt
    • Medical Receivables
    • Online Lending Platforms
    • Rent-to-Own and Buy-Here-Pay-Here
    • Delinquent Auto Loans
    • Charge-off Consumer Debt Portfolios
    • Alternative Finance
    • Non-Performing Loans
    • Performing Loans
    • Secondary Market Finance
    • Student Loan Debt
    • Non-Sufficient Funds and DDA-related Debts

    Other Real Estate

    • Hard Money and Specialty Financing
    • Construction and Development Loans
    • Small Business Administration (SBA) 7A Loans
    • Non-guaranteed SBA Loans
    • Performing Loan Investments
    • Bridge Financing
    • Health Care Facility Financing
    • Commercial and Industrial Property Loans
    • Manufactured Housing Financing
    • Rental Property Investments
    • Refinancing Solutions
    Contact Us

    Mortgage Note 

    • Acquire Notes
    • Dispose of Notes
    • Facilitate Note Transactions
    • Whole Loan Notes
    • Rent-to-Own Solutions
    • Refinance Options
    • Owner Financing Solutions
  • The Note Broker Blog

    The Note Broker Blog is your go-to source for all things related to whole loans, real estate note investing, commercial real estate and non-performing loans, and consumer debt portfolios.

  •  

    Get Answers to Your Questions About Debt Note Sales

     

    Fitzgerald Advisors, LLC offers expert assistance in prepping, marketing and selling your mortgage notes at the highest market value. Our team has the knowledge and experience to effectively package your notes for sale, considering factors such as issuer, performance status, credit rating, and other relevant criteria to create a diverse and attractive selection for potential buyers. We are committed to providing our clients with the best possible outcome for their mortgage notes.

    Benefits of Utilizing our Note Brokerage Services​

    Our team can assist you in preparing your note for sale by gathering all the necessary details and documents. We have a vast network of vetted note buyers who can help you sell your note quickly and at the best possible price. Let us help you package your note for sale and connect you with the right buyers.

    Unlock the Value of Your Note with a Lump Sum from Our Niche Note Buyers

    Noteholders can sell all or just a portion of their Note for a lump sum of cash, one of our niche note buyers.

    Sell Your Performing or Nonperforming Note to a Note Investor

    There are two main types of note buyers in our network:

    1. Performing Note Buyers: These buyers are interested in purchasing notes that are currently performing, meaning that the borrower is making timely payments on the loan.

    2. Distressed Note Buyers: These buyers are interested in purchasing notes that are non-performing, meaning that the borrower is not currently making payments on the loan. These buyers may also be interested in purchasing notes that are in default or foreclosure.

    If you are looking to sell your note, our team can help you identify the appropriate type of buyer for your specific note and assist you in the selling process. We will work with you to help you get the best possible return on your investment.

    What do note buyers look for?

    When evaluating a note, note buyers will typically consider the equity or down payment in the underlying real estate asset. The equity in the property serves as the collateral for the loan, and it is a key factor in determining the loan's security level and investment potential. Other factors that note buyers may consider include the borrower's creditworthiness, the loan's terms, and the current market conditions. Our team can help you understand how to present your note in the best way possible to attract the right buyer and get the best return on your investment.

    Who Can Buy Note(s)?

    Anyone can purchase a note, but you should understand the process and seek competent legal advice before engaging in any investment opportunity. We are here to provide you opportunities but do not provide legal advice on any for sale notes. Buyer beware – purchases are at your own risk.

    Can a realtor broker sell a real estate note?

    No, a realtor typically does not have the specialized expertise or experience to effectively broker the sale of a real estate note. The process of buying and selling real estate notes involves a unique set of skills and knowledge that goes beyond traditional real estate sales. It's recommended to work with a note brokerage firm that specializes in the buying and selling of real estate notes, such as Fitzgerald Advisors, LLC.

    Where Do I Buy Debt?

    There are several options for purchasing debt, including buying directly from the creditor, using an online debt trading platform, or working with a trusted industry insider broker. Directly buying from the creditor is a good option if you're looking to purchase a small amount of debt, while online debt trading platforms offer a wide range of options for buying and selling debt. However, if you want to ensure that you're getting the best deal, working with a reputable industry insider broker can be a good option. Brokers have access to a wide range of debt and can advise you on the best options for your specific needs. They can also help you navigate the buying process and advise you on how to make the most of your investment.

    What types of debt portfolios are commonly available for sale in 2023?

    In 2023, the following types of debt portfolios are typically available for sale:

    • Direct from Lenders: Secondary finance, commercial, media, credit cards, installment loans, auto loans, non-sufficient funds (NSF), secondary mortgages, buy-here-pay-here (BHPH), and private student loans.

    • Fresh Secondary Market: Installment loans, secondary finance, rent-to-own (RTO), auto loans, and BHPH.

    Note: Due to a no-resale clause that many direct lenders now have, it caused a shortage in the debt sales market in 2023; either buyers lease out to other agencies or debt buyers with a buyback date. This has resulted in a decline in secondary market options available for buyers.

    How do note buyers make money?

    Real estate investors earn money note investing by buying mortgage notes from private lenders or banks who want to divest their interest in that asset class or need extra cash to buy another deal. Practically, they obtain the debt. Therefore, investors collect on a note similar to banks or private companies carry out themselves.

    Is note investing profitable?​

    Real estate note investing can be a profitable venture, but it is important to note that it is typically considered a high-risk investment. It is recommended for experienced investors who have a high tolerance for risk and understand the nuances of the market. It is important to conduct thorough research and due diligence before investing in any note. It is also important to understand the terms and conditions of the note, the current market conditions and the borrower's creditworthiness before investing. It is also recommended to consult with a financial advisor before making any investment decisions.

    How do debt brokers operate?

    A debt broker is a professional who acts as an intermediary in the sale of debt transactions. They work with providers, collectors, businesses, and collection agencies that own uncollectible debts. The broker will receive information about the debts, including the type of debt, age of debt, the face value of debt, the asking price, and sample documentation (such as billing statements and signed contracts).

     

    They will then assist the seller in creating a masked portfolio of the defaulted debt and determine the asking price. Once everything is assembled, the broker will identify the right seller and debt buyer and negotiate a deal.

     

    It is important to note that debt brokers are not involved in the collection process. They specialize in the purchase of debt collections. They usually charge a percentage of the portfolio's value or the list price as their fee.

    How is the Price of a Note Determined?​

     

    The price of a note is determined based on three main factors:

    1. Loan terms: This includes the price, pay-back duration, balloon payments, clean records, and other relevant terms of the loan.

    2. The borrower's ability to pay: The note buyer will need to evaluate the borrower's ability to repay the loan to the note owner.

    3. The collateral securing the loan: The value and condition of the collateral, such as a residential property or commercial property, also play a role in determining the price of a note.

    It's important to note that the process of determining the price of a note requires due diligence, which may include a drive-by property appraisal, a review of the payment history, and an evaluation of the title report for the property securing the note.

    How long will it take to make the note purchase?

    The typical timeframe for a residential mortgage note purchase is between 15-23 business days. For a commercial note purchase, it typically takes between 20-27 business days. A business note purchase can be completed in an average of 10-15 business days. These timeframes assume that no unexpected issues arise during the process.

    How much can I expect to receive when selling my note?​

    The amount you can expect to receive when selling your note will depend on the type of note and its current status. Typically, a standard mortgage note or service note will sell for between sixty-five cents ($0.65) and eighty-five cents ($0.85) on the dollar. High-quality notes, such as A+ paper, may sell for between eighty-six cents ($0.86) and ninety-five cents ($0.95) on the dollar. The final sale price is typically a percentage of the remaining, unpaid principal balance of the loan at the time of purchase or sale. It is important to note that these are just rough estimates and the final price will vary based on the specific circumstances of the note and the market conditions at the time of sale.

    Note Acquisition and Disposition Services​

    We can be your most valuable partner if you're interested in buying or selling distressed assets. Our team has the experience, expertise, and connections to help you navigate the market and make the best decisions for your investment. Whether you're looking to acquire or dispose of distressed assets, we can help you identify opportunities, evaluate risks, and negotiate deals to help you achieve your goals. Contact us today to learn more about how we can help you with your distressed asset needs.

    How to sell a mortgage note?

    The process of creating and transferring a mortgage from one party (the borrower) to another is not difficult or daunting. In order for this transaction to take place, there must be sufficient funds in an escrow account at the time of sale which ensures that all parties have their promised share when it comes time for payoff.

    Available Debt Portfolio Options​

    Fitzgerald Advisors, LLC makes buying and selling debt easy by providing expert guidance and assistance. We offer a wide range of services, including advice on selling your existing debt and buying new ones for maximum returns.

     

    Our team of experienced professionals will work closely with you to ensure a smooth and successful transaction. Whether you're looking to dispose of non-performing loans or acquire new investments, we have the expertise to help you achieve your financial goals.

    How to Sell a Promissory Note?

    When you're selling a promissory note, really important to do your research and ensure that you get a fair price for the promissory letter; it's essential to understand the value of the promissory message and the details of the transaction before you sign any paperwork. Be thoughtful about how you sell a promissory note, and be careful about what you agree to in the terms and conditions for selling the message. It's imperative to be organized and thorough about the details.

     

    What is a commercial note broker? ​

    A commercial note broker is a professional who specializes in buying and selling commercial mortgage notes. They work as intermediaries between the buyers and sellers of commercial mortgage notes, helping to match buyers with suitable notes and facilitating the sale of notes. They also assist in the due diligence process and help negotiate the transaction's terms.

     

    Commercial note brokers typically have experience and knowledge in the commercial real estate market, and many have connections to a network of buyers, sellers, and other professionals in the industry. They can help make buying or selling a commercial mortgage note more efficient and profitable for both parties.

    What is a Loan Sale Advisor?

    A loan sale advisor is a specialist who provides guidance to financial institutions on the sale of their loan portfolios, whether they are performing or defaulted. Their responsibilities include evaluating the portfolio, determining its value, and identifying potential buyers. Additionally, they may assist with negotiating and finalizing the loan sale deal.

     

    Their expertise is utilized to extract the maximum value of the loan portfolio for the seller and to ensure that the buyer is getting a good deal by assessing the risk of the loans.

    How to successfully charge off your debt and sell to a qualified debt buyer?

     

    1. Gather all the necessary information about the debt you want to sell, including the last payment amount and date, charge off, including the amount and the date it was incurred, provide supporting documents, and a seller survey of the debts you wish to sell.

     

    2. Contact a qualified debt buyer and provide them with the information about the debt you want to charge off.

     

    3. Negotiate a sale price with the debt buyer.

     

    4. Once the sale price has been agreed upon, sign a contract with the debt buyer outlining the sale terms.

     

    5. Make sure all the necessary paperwork is completed and submitted to the debt buyer.

    How to successfully sell your note to a qualified note buyer?

     

    1. Research potential note buyers to identify the best fit for your note.


    2. Gather all relevant information about your note, including the loan amount, interest rate, payment history, and remaining balance.


    3. Contact the note buyer to discuss the note details and negotiate a purchase price.


    4. Provide the note buyer with all necessary documents, such as the promissory note, deed of trust, and other relevant documents.


    5. Finalize the sale by signing a purchase agreement and transferring the note to the buyer.


    6. Ensure that the buyer has the funds to pay for the note and that the transfer of ownership is properly documented.

    Sell a debt owed to you

    If you're looking to sell a debt you're owed, there are a few steps you'll need to take. First, you'll need to ensure a valid and enforceable contract or promissory note outlining the debt.

     

    Next, you'll need to decide how to sell the debt through a debt factoring company, a debt buyer, or a private sale. After that, you'll need to negotiate the sale price with the interested party and complete the transaction. Once the purchase is complete, you’ll need to transfer the debt to the buyer and provide them with any documents necessary for them to collect the debt.

    Role of Debt Buyers and Brokers in Purchasing Non-Performing and Performing Notes

    A debt buyer is a company or individual that purchases non-performing and performing mortgage notes credit card debt, also known as non-performing notes, from original lenders or note holders. These notes represent a mortgage loan on a property and are legally binding documents that outline the terms of the loan, such as the monthly or bimonthly payments and the property value. When a borrower defaults on their mortgage payments, the original lender may sell the non-performing note to a debt buyer for a discounted purchase price.

     

    Mortgage note investing is a type of real estate investing where investors buy non-performing mortgage notes and become the new lender. They then work to collect the remaining payments from the borrower in hopes of making significant profits from the purchase price difference. Noteholders can also sell performing notes, where the borrower is current on their payments.

     

    Buying mortgage notes is a strategy used by real estate investors who want to receive monthly or bimonthly payments from the borrower and avoid the traditional mortgage process. When a borrower defaults, the noteholder can foreclose on the property and take ownership of it. Private lenders may also purchase these non-performing notes as an alternative to traditional mortgage lending.

     

    It is important to note that buying non-performing notes can be risky, as the property value may have decreased, and the borrower may not be able to make the payments, resulting in the investor losing money. A debt broker is a professional who helps investors find and buy mortgage notes and promissory notes from note sellers. They also help residential mortgage note holders to sell their notes to buyers.​

    What are the benefits of working with a debt buyer?​

    1. Immediate Cash Flow: Debt buyers provide rapid cash flow by purchasing outstanding debts from creditors at a discounted rate.

    2. Reduced Risk: Debt buyers take on the risk of collecting the debt, so creditors no longer have to worry about chasing unpaid bills.

    3. Increased Resource Efficiency: Debt buyers have the resources and expertise to collect unpaid debts efficiently, allowing creditors to focus on their core business operations.

    4. Improved Credit Rating: By selling their unpaid debts to debt buyers, creditors can improve their credit rating by reducing their accounts receivable and showing that they are taking steps to collect on outstanding debts.

    5. Legal Expertise: Debt buyers have the legal expertise and know how to navigate the collection process effectively and efficiently.

    6. Boost sales and revenue: By getting cash quickly and reducing bad debt, companies can focus on growing their sales, revenue, and profits.

    What risks of working with a debt buyer?

    1. Lack of oversight and regulation: Debt buyers are not subject to the same level of management and regulation as traditional creditors and collection agencies. This can make it challenging to ensure they operate ethically and within the law.

    2. Misrepresentation of debts: Debt buyers may misrepresent the amount or status of a debt, making it difficult for consumers to verify whether they owe the debt.

    3. Harassment and abuse: Some debt buyers may use aggressive or illegal collection tactics, such as harassment or abuse, to collect debts.

    4. Unfair practices: Debt buyers may engage in unfair practices such as charging exorbitant fees or interest rates or falsely threatening legal action.

    5. Difficulty in verifying the validity of debt: Debt buyers may purchase debt from the original creditor without all the necessary documentation to validate the debt, which could be a problem for consumers.

    6. Credit score damage: If a debt buyer reports a consumer's debt to a credit bureau, it could damage their credit score, even if the debt is ultimately found invalid.

    What are the benefits of working with a debt broker?

    1. Access to a broader pool of buyers: Debt brokers have relationships with various debt buyers and can help connect sellers with the right buyer for their specific portfolio.

    2. Better pricing: Debt brokers can often negotiate better prices for the seller than if they were to sell the debt directly to a buyer.

    3. Faster sales process: Debt brokers can often expedite the sales process, helping the seller to quickly and efficiently dispose of the debt.

    4. Expertise: Debt brokers have knowledge and expertise in the debt-buying industry, which can be valuable to the seller in terms of understanding the market and the best way to sell the debt.

    5. Reduced risk: Debt brokers can help mitigate the risk for the seller by thoroughly vetting the buyers and ensuring that the sale is conducted promptly.

    Risks of working with a debt broker?

    Some potential risks include the following:

    1. The broker may not have access to the best deals or cannot secure the best terms for you.
    2. The broker may not have the necessary experience or expertise to advise you on your debt portfolio purchase properly.
    3. The broker may charge high fees or commissions, affecting your profits.
    4. The broker may not be fully transparent about the portfolio's actual condition or the performance of the underlying assets.
    5. The broker may engage in unethical or illegal practices, such as misrepresenting the portfolio or insider trading.
    6. The broker may not have the necessary licenses or regulatory compliance in place.

    What are the the benefits working with a note broker?

    There are several benefits of working with a note broker:

    1. Access to a broader pool of buyers: Note brokers have a network of potential buyers, including institutional investors, hedge funds, and private equity firms. This means they can quickly help you find the right buyer for your note.

    2. Expertise in note sales: Note brokers have experience and expertise in the note-buying industry and can help you navigate the complexities of the process.

    3. Higher sale prices: Note brokers can help you get a higher sale price for your note by negotiating with multiple buyers and finding the most willing to pay.

    4. Faster sales process: Note brokers can help you close a sale faster by handling all the details and paperwork involved in the transaction.

    5. Professionalism and Confidentiality: Note brokers are professional and confidential; they can help you keep your note sale private and confidential, which can be especially important for businesses or high net-worth individuals.

    Risks of working with a debt broker?​

    Working with a note broker can have some potential risks. Some of these risks include:

    1. The risk of fraud: There have been note brokers falsely representing the note's value, the underlying collateral, or the income stream.
    2. The risk of miscommunication: Note brokers may not have a thorough understanding of the note and may be unable to communicate important details to the buyer.
    3. The risk of unverified information: A note broker may not verify the information provided by the seller and may be unable to provide accurate information to the buyer.
    4. The risk of incomplete or missing documentation: A note broker may not verify the note documentation's completeness, which may lead to legal issues or disputes later on.
    5. The risk of hidden costs: Note brokers may charge hidden or additional fees which may not be disclosed to the buyer at the time of purchase.

    It's essential to conduct due diligence when working with a note broker and to ensure that you understand the note and its underlying collateral before making a purchase.

    What are the benefits of working with a loan sale advisor?​

    Working with a loan sale advisor can offer several benefits, including:

    1. Expertise: Loan sale advisors have extensive knowledge and experience in the loan sale market and can provide valuable insights and guidance on the best ways to sell your loans.

    2. Network: Loan sale advisors have a vast network of contacts in the industry, which can help you reach more potential buyers and get a better price for your loans.

    3. Efficiency: A loan sale advisor can handle the entire loan sale process from start to finish, saving you time and effort.

    4. Optimization: An experienced loan sale advisor will work with you to optimize the sale of your loans, including structuring the deal, marketing the loans, and negotiating the best price.

    5. Compliance: A loan sale advisor can help ensure that the loan sale process is compliant with all relevant regulations, which can reduce the risk of legal and regulatory issues.

    6. Better pricing: A loan sale advisor can help you get the best possible price for your loans by providing market insight, market positioning, and negotiation expertise.

  • Contact Us

    Expert Assistance for Navigating the Complex World of Charge-Off Debt Sales, Performing Note Purchases, and Real Estate NPL Acquisitions - Contact Fitzgerald Advisors, LLC for More Information

    6615 W. Boynton Beach Blvd Suite 222 Boynton Beach, FL 33437
    jeff@fitzgeraldadvisors.com
    Submit

Copyright © 2023 Fitzgerald Advisors®. All rights reserved. Specializing in Note Brokerage, Debt Brokerage, Distressed Asset Management, Whole Loan Services, and Selling Mortgage Notes.

Terms & Conditions
Privacy Policy
    Call Us
    Find Us
    Contact
    FAQs
All Posts
×
×
Terms & Conditions
Introduction
Welcome to the Fitzgerald Advisors website (the "Website"). The Website is operated by Fitzgerald Advisors LLC ("Fitzgerald Advisors," "we," "us," or "our"). The following terms and conditions (the "Terms of Use") govern your use of the Website. By accessing or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, as well as our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms of Use, please do not use the Website.

Description of Services
The Website is an online marketplace that provides information and resources for individuals and businesses interested in buying or selling whole loan note products, including performing and non-performing loans, commercial real estate loans, consumer debt portfolios, and other distressed assets. We also provide consulting and advisory services to financial institutions, credit unions, and community banks on loan sales, portfolio sales, and other financial matters.

Use of the Website
The Website is intended for use by authorized users only. You may use the Website only in accordance with these Terms of Use and any applicable laws and regulations. You may not use the Website for any illegal or unauthorized purpose, or in any way that could damage, disable, overburden, or impair the Website or interfere with any other party's use of the Website.

User Information and Registration
In order to access certain features and services on the Website, you may be required to provide certain information about yourself, including your name, contact information, and financial information. You agree to provide true, accurate, current, and complete information about yourself as prompted by the Website's registration form, and to maintain and update this information as necessary. You acknowledge that if any information you provide is false, inaccurate, outdated, or incomplete, we may terminate your use of the Website.

You are responsible for maintaining the confidentiality of any account or login information you may have for the Website, and are fully responsible for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

Intellectual Property
The Website and all content, materials, information, and other elements included on the Website, including, but not limited to, text, images, graphics, logos, and software (collectively, the "Content"), are the property of Fitzgerald Advisors or our licensors and are protected by United States and international copyright and trademark laws. You may not use any Content without the express written consent of Fitzgerald Advisors or the respective copyright or trademark owner.

Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, PRODUCTS, AND SERVICES INCLUDED ON THE WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,
×
Privacy Policy
Fitzgerald Advisors LLC is committed to protecting the privacy of its clients and customers. This Privacy Policy explains how we collect, use, and share personal information and the choices you can make about the way your information is collected and used.

Personal Information Collection and Use

We collect personal information about you when you interact with our company, such as when you visit our website, fill out a form, or communicate with us by phone, email, or other means. The personal information we collect may include your name, contact information, and other information relevant to the purpose of the collection.

We use your personal information to provide you with products and services, to communicate with you, to understand your needs and interests, and to improve our products and services. We may also use your personal information for marketing and promotional purposes, but only if you have given us your consent to do so.

Sharing of Personal Information

We do not sell or rent personal information to third parties. We may share personal information with third parties as necessary to provide you with products and services, to comply with legal requirements, or to protect our rights and property. For example, we may share personal information with our service providers, such as payment processors or shipping companies, or with law enforcement or other government agencies as required by law.

Data Security

We take reasonable steps to protect personal information from unauthorized access, use, alteration, or destruction. We use industry-standard security measures, such as encryption, firewalls, and secure servers, to protect personal information. However, please be aware that no method of data transmission or storage is completely secure, and we cannot guarantee the security of your personal information.

Cookies and Tracking Technologies

We use cookies and other tracking technologies to improve your experience on our website and to understand how our website is used. Cookies are small data files that are placed on your device when you visit a website. They may be used to store your preferences or to track your browsing activity.

You can choose to disable cookies in your browser settings, but please be aware that this may affect your ability to use certain features of our website.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any changes by posting the new policy on our website.

Contact Us

If you have any questions or concerns about our Privacy Policy or the way we handle personal information, please contact us by email or phone at the contact information provided on our website.
Cookie Use
We use cookies to ensure a smooth browsing experience. By continuing we assume you accept the use of cookies.
Learn More