“[Most] investors may be quite willing to take the risk of being wrong in the company of others, while being much more reluctant to take the risk of being right alone.
- John Maynard Keynes
 
A PRIVATE INVESTMENT COMPANY
Adagio, LLC was founded as a private investment company in 2005 by Managing Director Ben Summers. Adagio's initial focus was investing in the New Urban communities along the Florida Gulf Coast and providing consulting services to the institutional investment community regarding real estate and energy matters. These activities uncovered new opportunities in residential real estate markets leading Adagio to develop its unique asset-based lending program and residential arbitrage strategy. Adagio now engages in a full complement of financial services providing third-party (quantitative) risk analytics, institutional-grade fund management, and boutique investment banking services to the alternatives space.

We recognize that investment gains and losses aren’t realized in a vacuum – free from the effects of global economic turbulence and market irrationality – and the difficulties inherent in predicting these turbulences or a market’s return to rationality. As a result, we believe successful long-term investing demands rigorous measurement and proactive management of a portfolio’s risk/reward profile.

As an expression of these core principles, we measure the risk characteristics of investment opportunities by evaluating their susceptibility to market cycles via rigorous statistical analysis of both systematic and idiosyncratic historical data that encompass the 2008 financial crisis. Through effective risk measurement, structure, management, education and communication, we strive to deliver risk-adjusted performance that demonstrably exceeds what’s otherwise available through the public capital markets, after further adjusting for illiquidity. By this standard, we focus on working with best-in-class emerging managers (e.g. real estate sponsors, hedge fund managers, etc.), RIAs, broker-dealers, and due diligence firms who share our merit-based values. 
Securities offered through Emerson Equity LLC, Member FINRA/SIPC
 
“Risk is not a story; it's not a relationship; it's not a feeling. Risk is a number: it's the probability of loss weighted by the potential degree of that loss.”
- Benjamin D. Summers
 
SERVICES
Third-Party Risk Analytics & Theoretical Track Record Construction
We provide the RIA and independent broker-dealer community comprehensive, quantitative risk measures for private alternative investments. By utilizing performance data encompassing a minimum of one complete market cycle, we are able to meaningfully capture market, idiosyncratic and tail risk. For newer sponsors, we are further able to construct theoretical track records that ecompasses a complete market cycle by rigorously accounting for every measurable variable that contributes to their overall performance.
  Summers Alternative Risk Rating ("SARR")
The Summers Alternative Risk Rating, or SARR, is a proprietary matrix developed by Benjamin D. Summers that distills the most informative risk-adjusted performance metrics into a concise rating system. It takes into account all four statistical moments (geometric mean, variance, skewness and kurtosis) of both systematic and idiosyncratic risk, including total potential loss. The first index of the SARR matrix (rows A, B and C) represents functions of maximum drawdown (“MDD”); the second index (columns 1, 2 and 3) represents functions of the Modigliani Measure (“M2”), Omega Ratio (“Ω”), and the asset’s or portfolio’s expected return (“E(Ri)”).
Private Structured Products
We’re in the business of serving Registered Investment Advisers ("RIA"s), family offices, qualified purchasers, and other intermediaries by creating financial products that meet performance and liquidity needs unavailable through the public capital markets. We are able to accomplish this by advising and securitizing best-in-class private alternative asset managers who are able to capture arbitrage opportunities available through inefficient, fragmented markets. This effort requires two-way communication: you tell us what you and your clients need, and we’ll do our best to construct it.
DEFINING CHARACTERISTICS
DEFINING CHARACTERISTICS
   Open-End, Institutional-Grade, Risk-Engineered, Private Fixed Income & Equity Structures
   Alternative Underlying Assets
   12 to 24 Month Lock-Up Period
   Positive Alpha & Low Loss Potential
(as measured since January 2007 or earlier)
   Quarterly Reporting
   Annual Audits
   Third-Party Administration
Investment Banking for Alternative Investment Managers
We specialize in working with emerging best-in-class asset managers (e.g. real estate operators, hedge fund managers, etc.) to maximize their risk-adjusted performance (as measured across a minimum of one complete market cycle) and fully access the capital markets. The result for our clients is access to unlimited full stack debt and/or equity capital on their terms through a dedicated fund. All advisory, securitization and distribution fees and expenses are reimbursed to you upon sufficient capitalization and performance of the fund, resulting in our services becoming ultimately free.
Precious Metal Holdings
We make it easy for our clients to conveniently buy, own and securely store precious metals and thereby preserve their purchasing power. Our clients' holdings are stored at VIA MAT International Ltd. and G4S vaults in London, Zurich or Hong Kong in the form of bars that meet the standards of the London Bullion Market Association for gold and silver and the London Platinum and Palladium Market for platinum and palladium. Our clients have the option to take delivery of their precious metals at any time in convenient 100 gram and 1 kg bars with a purity of 99.99%. The refiner Baird & Co. Ltd. in London is responsible for producing the bars.
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Educational Programs through Adagio Institute, Inc.
Adagio Institute is a 501(c)(3) public charity organized for the purpose of promoting financial education. We develop programs for financial professionals, real estate investors and the public at-large. Our mission is to promote broad adoption of meaningful risk-adjusted investment analysis, to democratize access to exclusive investment performance (e.g. top performing hedge funds, private equity, etc.) through education and services (e.g. third-party risk analytics, investment clubs, etc.), and to help deserving private alternative asset managers (e.g. real estate operators, hedge fund managers, etc.) access the capital markets.
 
“How much you truly 'believe' in something can be manifested only through what you are willing to risk for it.” 
- Nassim N. Taleb
 
Benjamin D. Summers
Benjamin D. Summers
Managing Director & Founder
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Ben is the founder and managing director of Adagio Group. Through the application of his extensive knowledge in quantitative finance, the application of risk engineering principles, and private securities transactions, Ben has led Adagio from a single entity real estate investment company in 2005 to become an innovative financial institution. He also has substantial senior management experience within the global energy services sector.

Ben’s transition into energy and finance was preceded by a professional baseball career that began with the San Diego Padres organization. He graduated from Louisiana State University with a Bachelor of Science in Physics having studied Music as a Second Discipline. Ben currently holds the FINRA Series 65 and Florida Real Estate Licenses.
Benjamin D. Summers
Sean M. Corcoran
Director - Business Development
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As Director of Business Development, Sean is responsible for the distribution of Adagio Institute's educational programs and to provide educational consulting services to both investment professionals and the public at-large. 

Prior to joining Adagio, Sean was a business development associate with AUA Capital Management a family office and alternative oriented investment firm. His other previous sales and consulting roles were with SolomonEdwards Group, M.F. Irvine Companies LLC, North American Benefits Company and The Hartford Financial Services/PLANCO. Sean is a graduate of West Chester University.
Jose "Joe" Maymo
Jose "Joe" Maymo
Executive Director, Business Development - Analytics
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As executive of business development for Adagio's analytics services, Joe is responsible for liaising with the RIA and broker-dealer community to incorporate Adagio's risk measurement tools into their due diligence process for private alternative assets.

Before joining Adagio, Joe served as Regional Vice President at firms such as Nationwide and Transamerica Financial. His 19 year career as a financial services professional includes the wholesaling of variable annuities and mutual funds to the independent broker dealer channel along with six plus years of wholesaling public non-traded REITS and Regulation D offerings. He prides himself in using a consultative approach to help financial professionals find the best solutions for their clients. Joe graduated from Ohio State University with a Bachelor of Arts in Political Science, and he also holds the FINRA Series 7, 63 and 65 licenses.
Patrick M. Duffy
Patrick M. Duffy
Managing Partner - Asset Management
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As managing partner of business development, Patrick is responsible for sourcing best-in-class alternative asset managers and preparing them for integration into Adagio's platform. He continues oversight of several multifamily holdings throughout the Southeastern U.S.

Patrick has been a successful multifamily syndicator as the Managing Member of Nighthawk Holdings, LLC. Prior to Nighthawk, he held capital markets roles at Opus Bank, 5 Arches, LLC and HMC Assets, LLC. Patrick graduated from Harvard University with a Bachelor of Arts in English.
Michael T. Bruni, CFA, CFP
Executive Director - Financial Education
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“Choose a job you love, and you will never have to work a day in your life.” 
- Confucius
 
CAREER OPPORTUNITIES
Key Accounts Manager
Level: Senior Manager
Category: Financial Services
Location: TBD

We are seeking a highly motivated Key Accounts Executive with a proven track record of generating new relationships with Independent Broker-Dealers that result in selling agreements nationwide.

For serious consideration, candidates must have experience successfully obtaining selling agreements for sponsors of alternative investment products.

Responsibilities:
  • ​Establish relationships with independent broker-dealers to distribute Adagio's investment products.
  • ​Identify and capture business development opportunities for Adagio’s products.
  • ​Educate broker-dealer firms on quantitative risk analysis and synthetic positions and present alternative investment product offerings.
  • ​Develop and execute a strategic plan to obtain selling agreements with due diligence officers of broker dealers.
  • ​Analyze competitive data and position our products to win selling agreements.
  • ​Establish relationships with independent broker-dealers to distribute Adagio's investment products.
  • ​Identify and capture business development opportunities for Adagio’s products.
  • ​Educate broker-dealer firms on quantitative risk analysis and synthetic positions and present alternative investment product offerings.
  • ​Develop and execute a strategic plan to obtain selling agreements with due diligence officers of broker dealers.
  • ​Analyze competitive data and position our products to win selling agreements.
Qualifications:
  • ​10+ years financial product wholesale industry experience in the family office space
  • ​Relationships with broker-dealers and other relevant financial investment entities
  • ​Proven strategic business development, negotiating and managerial experience
  • ​Highly refined presentation and public speaking abilities
  • ​Thorough understanding of quantitative risk analysis, structured products and synthetic positions
  • ​Results oriented and creative problem solving ability
  • ​FINRA Series 7 & 66 or Series 65 License
  • ​MBA, MiF or CFA
  • ​10+ years financial product wholesale industry experience
  • ​Relationships with broker-dealers and other relevant financial investment entities
  • ​Proven strategic business development, negotiating and managerial experience
  • ​Highly refined presentation and public speaking abilities
  • ​Thorough understanding of quantitative risk analysis, structured products and synthetic positions (education available)
  • ​Results oriented and creative problem solving ability
  • ​FINRA Series 7 & 66 or Series 65 License
  • ​MBA, MiF or CFA
Internal Wholesaler
Level: Associate
Category: Financial Services
Location: TBD

We are seeking an experienced alternative financial products sales professional to be responsible for the distribution of our private securities offerings through the development of Family Office, Registered Investment Adviser ("RIA"), and Independent Broker-Dealer channels. Investment banking, private equity or hedge fund experience preferred.

Responsibilities:
  • ​Attract, retain and support Family Offices, RIAs, and Independent Broker-Dealers as distribution channels for Adagio's private structured products.
  • Liaise with distribution channels to guide their understanding of current risk, return & liquidity appetites.
  • ​Educate representatives on quantitative risk analysis and synthetic positions.
  • Adhere to communications best practice and disclosure requirements.
  • Attract, retain and support Family Offices, RIAs, and Independent Broker-Dealers as distribution channels for Adagio's private structured products.
  • Liaise with distribution channels to guide their understanding of current risk, return & liquidity appetites.
  • ​Educate representatives on quantitative risk analysis and synthetic positions.
  • Adhere to communications best practice and disclosure requirements.
Required:
  • ​Established network of Family Offices and RIAs that trade/recommend alternatives
  • ​Understanding of quantitative risk analysis, structured products and synthetic positions
  • ​Excellent verbal and written communication skills
  • ​Fortitude to alter cultural inertia with merit
  • ​Creative problem solving ability
  • ​Results oriented
  • ​FINRA Series 7 & 66 or Series 65 License
  • ​MBA, MiF or CFA (preferred)
  • ​Established network of Family Offices and RIAs that trade/recommend alternatives
  • ​Understanding of quantitative risk analysis, structured products and synthetic positions
  • ​Excellent verbal and written communication skills
  • ​Fortitude to alter cultural inertia with merit
  • ​Creative problem solving ability
  • ​Results oriented
  • ​FINRA Series 7 & 66 or Series 65 License
  • ​MBA, MiF or CFA (preferred)
Financial Advisor Associate
Level: Associate
Category: Financial Services
Location: TBD
Compensation Structure: Commission

Were you unable to grow an economically viable book of business from scratch? If so, you can still be successful in the financial services industry...

As a Financial Advisor, you’ll be part of our entrepreneurial system with the freedom to provide solutions for every type of market participant from a broad portfolio of innovative, merit-based products and services.

We've developed the marketing and sales infrastructure required to take the most difficult aspects of financial sales off your plate.
  • ​No existing book of business required
  • ​No cold calling required
  • ​Low-ticket front-end educational product (segments market participants and provides comprehensive education-based sales message)
  • ​Risk-adjusted performance measure tools and services
  • ​Superior risk-adjusted performance (as measured since January 2007) via institutional-grade private structured products
  • ​Low-minimum access to exclusive risk-adjusted performance for retail investors
  • ​No existing book of business required
  • ​No cold calling required
  • ​Low-ticket front-end educational product (segments market participants and provides comprehensive education-based sales message)
  • ​Risk-adjusted performance measure tools and services
  • ​Superior risk-adjusted performance (as measured since January 2007) via institutional-grade private structured products
  • ​Low-minimum access to exclusive risk-adjusted performance for retail investors
We are seeking a highly motivated Financial Advisor to generate traffic for our self-liquidating marketing and sales funnel and follow-up with individuals who fall out of the funnel to close the appropriate sales.

Commissions are paid at every step of the funnel, in addition to compensation for the sale of our financial products.

You’ll have access to powerful sales tools and a large resource network so you can focus on activities that get immediate results. A career as a Financial Advisor with Adagio gives you the pride and satisfaction of helping others to understand and analyze their financial situation and needs better than any other firm in the market.
Qualifications:
  • ​Highly refined presentation and public speaking abilities
  • ​Thorough understanding of quantitative risk analysis, structured products and synthetic positions (education provided)
  • ​Results oriented and creative problem solving ability
  • ​FINRA Series 65 License (preferred)
  • ​MBA, MiF or CFA (preferred)
  • ​Highly refined presentation and public speaking abilities
  • ​Thorough understanding of quantitative risk analysis, structured products and synthetic positions
  • ​Results oriented and creative problem solving ability
  • ​FINRA Series 7 & 66 or Series 65 License (preferred)
  • ​MBA, MiF or CFA (preferred)
EQUAL OPPORTUNITY EMPLOYER DISCLOSURE:  It is the policy of Adagio, LLC to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, gender, gender identity or expression, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy (including unlawful discrimination on the basis of a legally protected pregnancy/maternity leave), veteran status, genetic information or any other legally protected characteristic.
 
“An investment in knowledge pays the best interest." 
- Benjamin Franklin
 
INVESTOR RELATIONS
We are always seeking creative solutions to effectively meet the demands of important, challenging problems. Two of the most important challenges we address are: 1) measuring the risk-adjusted performance characteristics of assets and asset managers, and 2) filling holes in the capital markets with assets possessing better risk-adjusted performance than what is otherwise available. Adagio's investors range from high net worth individuals to other financial firms with a diverse array of objectives. We pride ourselves on our commitment to open communication with investors and a consistent and high level of transparency regarding our allocations. By fostering an ongoing dialogue and applying our unmatched risk engineering expertise, we are able to structure appropriate vehicles to meet these goals.
WHITE PAPERS
WHITE PAPERS
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Be a Better Fiduciary: Private Structured Products & Quantitative Risk Analytics for Financial Advisors
February 2018
Most financial advisors adhere to a very traditional asset allocation model built entirely upon public securities. Outside of the fact that a set of relatively vague, qualitative criteria govern the literal value of their clients’ life work, the substance upon which those models are predicated is a set of assets completely dependent upon schizophrenic secondary markets...
Investment Banking for Private Real Estate Operators
June 2017
Investment banks are intermediaries that, amongst many other functions, help typically large companies raise capital by advising on and underwriting new securities issues. To prepare for a new issue of securities, investment banks first advise their clients on considerations such as capital structure (how much debt vs. equity should be issued; what types of equity and debt should be issued, etc.), the strategic use of other financial instruments (such as warrants), and...
Investment Clubs: Gain the Exclusive Access of the Top 1%
May 2017
There is a little-known solution that can afford non-accredited investors the opportunity to participate in the exclusive securities offerings of hedge funds and invest like the top one percent: the investment club. An investment club is a business entity structured as either a general partnership or LLC in which all members (owners) are also managers who participate by vote in determining the investment decisions of the club; because all owners actively participate...
Constructing Alpha: An Introduction to the Fundamentals of Risk
April 2017
Every investor — from the guy who bets on physical currency by hiding it under his mattress to Ray Dalio — is concerned with risk. Somewhat surprisingly, despite the fact that the vast majority of people are risk averse, very few have any idea what risk actually means or how to measure it… this group includes many, if not most, financial professionals. Ironically, despite retail investors’ often stated aversion to risk, they tend to solely focus on the projected return...
From Wall Street to Main Street
July 2016
Most real estate investors face the nearly impossible task of competing for the few quality deals in their market against tens, if not hundreds, of deep-pocketed, well-connected and established investors already there. To survive, new and undercapitalized investors are forced to work many fruitless hours blindly mailing, calling, driving and knocking on random doors to find whatever scraps may be left over. After all this effort, in the rare instance a good deal is finally secured...
Introduction to Options in Real Estate
January 2015
One of most prolific and powerful tools of “creative” finance in real estate is the lease-option, but this tool represents only the proverbial tip of the iceberg when it comes to the most powerful breed of derivatives in the investing world, options. There are two basic types of options: the call option (or “call”) and the put option (or “put”). A call is what is utilized in the traditional lease-option; the put, on the other hand, is virtually unheard of in the world or real estate. An option...
Determining Equilibrium Value for Residential Real Estate
March 2013
One of the most pervasive challenges facing the residential real estate market is the determination of property values. As a result of TARP and other federal subsidies to institutional mortgage lenders, in addition to administrative incompetence, the foreclosure pipeline has been clogged. The expected glut of inventory resulting from the mortgage and financial crisis has yet to materialize, and correspondingly, prices have been lifted by artificially limited supply...
Deciphering Monetary Policy as a Means to Beat the Market
October 2012
Monetary policy and its effect on the markets can often seem as an impossibly complex, if not opaque dynamic. The market obviously responds, and most often in a seemingly positive manner, to the actions taken by the Federal Reserve System and statements by its chairman, Ben Bernanke… but how and why, and what are the less obvious effects of a centralized monetary system...
ADAGIO, LLC © 2018 All Rights Reserved
5100 Westheimer Rd, Ste 115 • Houston, Texas 77056
LEGAL DISCLAIMER:  This site and its content are not an offer to sell, nor a solicitation of an offer to purchase any securities instrument or any interest in Adagio, LLC or its current or future affiliated entities ("Adagio Group").

This website and its contents including any blogs are a publication of Adagio Group. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the topics discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.

Adagio Group is not a law firm or a broker/dealer. Readers are advised that articles, blog posts and other content are provided solely for informational purposes. The opinions and analyses included herein are based on sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied, is made as to their accuracy, completeness, timeliness, or correctness. Neither we nor any information providers Adagio Group may have engaged shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or any delay or interruptions in, the transmission thereof to the users.

Information on this website and blog do not involve the rendering of personalized investment or legal advice. A professional advisor should be consulted before implementing any investment strategy or transactions. Content should not be construed as financial, legal or tax advice. Always consult an attorney, tax professional or financial adviser regarding your specific legal, tax or financial situation. Investment information is provided without consideration of your financial sophistication, experience, financial situation, investing time horizon, or risk tolerance. Readers are urged to consult with their own independent financial advisers with respect to any investment.

Hyperlinks on this website are provided as a convenience; Adagio Group disclaims any responsibility for information, services, or products found on websites linked hereto. Additionally, Adagio Group is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.

Images or mentions of various organizations, services or investments do not represent an endorsement of or by Adagio Group or its affiliates.
PRIVACY POLICY (Effective date: November 16, 2018)

Adagio Group ("us", "we", or "our") operates the theadagiogroup.com website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.

Information Collection And Use
We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to: email address, first name and last name, and cookies and usage data.

Usage Data
We may also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. Examples of cookies we use: session cookies to operate our Service; preference cookies to remember your preferences and various settings; and security cookies for security purposes.

Use of Data
Adagio Group uses the collected data for various purposes to: provide and maintain the Service; notify you about changes to our Service; allow you to participate in interactive features of our Service when you choose to do so; provide customer care and support; provide analysis or valuable information so that we can improve the Service; monitor the usage of the Service; and detect, prevent and address technical issues.

Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction. If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. Adagio Group will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data
Legal Requirements
Adagio Group may disclose your Personal Data in the good faith belief that such action is necessary to: comply with a legal obligation; protect and defend the rights or property of Adagio Group; prevent or investigate possible wrongdoing in connection with the Service; protect the personal safety of users of the Service or the public; and/or protect against legal liability.

Security Of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics
We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics  is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy
Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us
If you have any questions about this Privacy Policy, please contact us by email: solutions@adagiollc.com