A. Firm Information
7Twelve Advisors, LLC (“7Twelve” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The Advisor is organized as a Limited Liability Company (“LLC”) under the laws of the State of Tennessee. 7Twelve was founded in 2008 and is operated by its President, Andrew D. Martin. The firm is owned by Andrew D. Martin, Steven J. Eisen and Craig L. Israelson. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by 7Twelve to institutional clients of the 7Twelve Balanced Portfolio and future public markets investment products.
B. Advisory Services Offered
7Twelve primarily provides investment advisory services to an open-end registered investment management company, a unit investment trust and other investment advisors (each referred to as a “Client”).

7Twelve Balanced Portfolio 7Twelve provides investment management services to the 7Twelve Balanced Portfolio (the “Fund”), an open-end registered investment management company. Subject to general supervision by the Board of Trustees of the Northern Lights Variable Trust (herein the “Board”) and in accordance with the investment objectives, policies and restrictions of the Fund, the Advisor provides the Fund with ongoing investment management and administrative oversight. The Advisor has discretion to determine which securities or other investments to purchase or sell, and what portion of the Fund’s assets will be held in various securities, cash or other investment instruments, consistent with the Fund’s investment objective and guidelines as set forth in the current prospectus.

7Twelve seeks to achieve the Fund's investment objective by allocating assets among securities that represent 7 broad asset classes and 12 subcategories using the Advisor's 7Twelve asset allocation model (the "7Twelve Model™"). The adviser usually does not select individual stocks and bonds, but instead selects exchange-traded funds ("ETFs") or no load indexed mutual funds that each invests primarily in securities representing one of the 12 subcategories of assets selected under the 7Twelve Model™. The Fund may invest in ETFs that hold securities from issuers of any market capitalization, credit quality, maturity, country, or trading currency. However, bond credit quality will be primarily investment grade (that is, rated Baa3 or higher by Moody's Investors Service, or equivalently rated by another nationally recognized statistical rating organization). The Fund may also buy ETFs that invest in foreign securities traded on exchanges outside the U.S. and through American depositary receipts ("ADRs"). Under normal market conditions, the Fund invests at least 65% of its assets in equity securities (common stocks) and at least 35% of its assets in bonds. For purposes of meeting these allocations, the Fund defines equity securities to include ETFs that invest primarily in equity securities and defines bonds to include ETFs that invest primarily in bonds and other fixed income securities.

7Twelve Balanced Portfolio Series 7Twelve provides investment consulting services to the 7Twelve Balanced Portfolio Series (the “Trust”), a unit investment trust. The Trust is a series trust created by First Trust Portfolios L.P. (the “Sponsor”). Subject to the investment objectives, policies and restrictions of the Trust, the Advisor provides the Trust with ongoing investment consultation and administrative oversight. The Advisor provides the Sponsor, in connection with its sponsorship of the Trust, a list of securities for deposit into the Trust

7Twelve’s investment consultation seeks to achieve the Trust’s investment objective of above-average capital appreciation. The Trust is a unit investment trust that invests in ETFs that are diversified among multiple asset classes. Unlike a traditional two-asset 60% equities/40% fixed income portfolio, the Trust invests in seven core asset groups, which are subdivided into 12 equal asset classes, in an effort to enhance performance and reduce risk. This investing approach attempts to generate equity-like returns with bond-like risk. Each investment asset adds an important dimension to the portfolio because of the historically low correlation and behavior between them. Approximately 65% of the portfolio is invested in equities and diversifying assets and approximately 35% of the portfolio is invested in fixed income and cash equivalents. A full description of the services provided by the Advisor for managing the Fund or consulting to the Trust are available in the current prospectus and statement of additional information (“SAI”) of the Fund or Trust. The
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prospectus and statement of additional information are available from the SEC website (www.SEC.gov) or by contacting the Advisor at (615) 341-0712. Model Management 7Twelve offers Model Management services via Folio Investments, Inc. an internet-based broker-dealer platform and other institutions ((herein “Platform”). 7Twelve has developed two proprietary models, 7Twelve and 3Twelve Models (herein “Models”), both of which are managed in accordance to the Model’s investment style and objective, and are available on the Platform to other investment advisors (“Third-Party Advisors”). The 3Twelve Total Bond is an equally weighted, passive strategy that invests in each major taxable bond category. The twelve major asset categories in the global bond universe are the model for the equally-weighted 3Twelve Total Bond strategy.

7Twelve does not have the authority to buy or sell securities for, or otherwise manage, client account[s] managed by a Third-Party Advisor utilizing the Platform (“Third-Party Clients”). The Advisor will not be in direct communication with Third-Party Clients. Any decision to trade, as well as the responsibility for the trade orders, remains exclusively with the Third-Party Advisor and the Third-Party Client. 7Twelve relies exclusively on Third- Party Advisors for (i) making suitability decisions, and (ii) for providing “ongoing investment supervisory services,” based on the needs and circumstances of the Third-Party Clients.
C. Client Account Management
7Twelve Balanced Portfolio Fund Shares of the Fund are only issued through insurance company intermediaries for variable insurance policies. An investor cannot invest directly in the Fund. Subscription details are provided in the Fund’s prospectus and other disclosure documents provided by various insurance companies.

7Twelve Balanced Portfolio Series Units of the Trust are only issued through the Sponsor. Subscription details are provided in the Trust’s prospectus and other disclosure documents provided by the Clients selected Custodian.

D. Wrap Fee Programs
7Twelve does not manage or place Client assets into a wrap fee program. Investment management services are provided directly by 7Twelve.

E. Assets Under Management
As of December 31, 2019, 7Twelve manages $60,000,000 in discretionary assets, all of which are managed within the 7Twelve balanced portfolio. Clients may request more current information at any time by contacting the Advisor. please register to get more info

A. Fees for Advisory Services
7Twelve Balanced Portfolio Fund Fees charged to mutual fund clients are set by the Board and shareholders of the Fund and are subject to review and approval as provided by the Investment Company Act of 1940, as amended (the “1940 Act”). For its investment management services to the Fund, the Advisor receives an investment management fee calculated as a percentage of average daily assets of the Fund at an annual rate of 0.15% per annum. Fees are calculated daily and paid to 7Twelve monthly in arrears. The Fund will incur other operating expenses payable to the Fund’s other service providers. Fees are negotiated separately on behalf of each series and approved annually at an in- person meeting of the Boards. The Fund pays the Advisory Fees monthly. The Board must annually approve any Advisory contract for the Fund. Additional information regarding the fees and expenses of the Fund are detailed in the Fund’s prospectus. 7Twelve Balanced Portfolio Series The Sponsor shall cause the Trust to pay to the Advisor $0.02 per Unit calculated and paid one time at the close of the initial offering period of the Trust. Payment of the fee due to the Advisor with respect to the Trust shall be made as soon as practicable but no later than 30 calendar days after the end of the Trust’s initial offering period.
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Model Management Services 7Twelve receives a fixed annual fee of up to 0.50% based on average daily balance, quarter-end, or month-end market value of assets placed on the Platform within the Advisor’s Models (“Billable Value”).
B. Fee Billing
7Twelve Balanced Portfolio Fund Investment management fees are accrued daily and paid monthly to the Advisor at the end based on the average assets during the month. The investment management contract between 7Twelve and the Fund is reviewed annually for approval by the Board. Additional information regarding the fees and expenses of the Fund are detailed in the Fund’s prospectus.

7Twelve Balanced Portfolio Series The Sponsor shall cause the Trust to pay to the Advisor $0.02 per Unit calculated and paid one time at the close of the initial offering period of the Trust. Payment of the fee due to the Advisor with respect to the Trust shall be made as soon as practicable but no later than 30 calendar days after the end of the Trust’s initial offering period.

Model Management Services Model management fees may be payable in advance or in arrears, on a monthly or quarterly basis (“Billing Period”) and based on the Billable Value of Third-Party Client assets placed on the Platform within the Advisor’s Models. Fees for the applicable Billing Period are based upon multiplying the Billable Value of the Third-Party Client accounts by four (for quarterly billing) or twelve (for monthly billing).
C. Other Fees and Expenses
Clients may incur additional account fees as shareholders in the Fund or Trust. These fees are described in the prospectus for the Fund or Trust.
D. Advance Payment of Fees and Termination
7Twelve Balanced Portfolio Fund 7Twelve is compensated for its services at the end of the month after investment advisory services have been rendered. Clients may redeem their shares in the Fund at net asset value, pursuant to the guidelines set forth in the Fund’s prospectus and the provisions of the insurance company variable contracts.

7Twelve Balanced Portfolio Series 7Twelve is compensated for its services as soon as practicable but no later than 30 calendar days after the end of the Trust’s initial offering period. Clients may redeem all or a portion of their Units at any time by sending a request for redemption to their Custodian through which they hold the Units.

Model Management Services 7Twelve may be compensated for its services either in advance or at the end of the Billing Period. Either party may terminate the model management agreement with 90 days written notice to the other party. The Advisor will refund any unearned, prepaid model management fees from the effective date of termination to the end of the Billing Period. The model management agreement with the Advisor is non-transferable without prior written consent by both parties.
E. Compensation for Sales of Securities
7Twelve does not buy or sell securities to earn securities commissions and does not receive any compensation for securities transactions in any Client account, the Fund, or Trust, other than the investment management fees noted above. Mr. Andrew Martin is also registered representative of Silver Oak Securities, INC. (“Silver Oak Securities”). Silver Oak Securities is a registered broker-dealer (CRD No. 46947), member FINRA, SIPC. In his separate capacity as a registered representative, Mr. Martin will implement securities transactions under Silver Oak Securities and not through 7Twelve. In such instances, Mr. Martin will receive commission-based compensation in connection with the purchase and sale of securities, including 12b-1 fees for the sale of investment company products. Compensation earned by Mr. Martin in his capacity as a registered representative is separate and in addition to the Advisor’s fees. This practice presents a conflict of interest because Mr. Martin who is a registered representative has an incentive
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to effect securities transactions for the purpose of generating commissions rather than solely based on the Client. Clients are not obligated to implement any recommendation provided by the Advisor nor Mr. Martin. Neither the Advisor nor Mr. Martin will earn ongoing investment advisory fees in connection with any products or services implemented in the Advisory Person’s separate capacity as a registered representative. Please see Item 10 – Other Financial Industry Activities and Affiliations.

Mr. Andrew Martin is also licensed as independent insurance professionals. Mr. Martin will earn commission- based compensation for selling insurance products, including insurance products he sells to Clients. Insurance commissions earned by Mr. Martin are separate and in addition to advisory fees. This practice presents a conflict of interest because persons providing investment advice on behalf of the Advisor who are insurance agents have an incentive to recommend insurance products to Clients for the purpose of generating commissions rather than solely based on Client needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any person affiliated with the Advisor. Please see Item 10 – Other Financial Industry Activities and Affiliations. please register to get more info

7Twelve does not charge performance-based fees for its investment advisory services. The fees charged by 7Twelve are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client.

As noted above, 7Twelve Advisors, LLC provides investment management services to the 7Twelve Balanced Portfolio, an open-end registered investment management company, and the 7Twelve Balanced Portfolio Series, a unit investment trust. Clients should refer to the offering documents for details on the performance allocation. The fund or trust manager does not receive a performance allocation from either the 7Twelve Balanced Portfolio or the 7Twelve Balanced Portfolio Series. please register to get more info

7Twelve primarily provides investment advisory services to the Fund, Trust and other investment advisors. The minimum initial investment and the minimum subsequent investment is detailed in the prospectus of the Fund or Trust. please register to get more info

A. Methods of Analysis
7Twelve primarily employs fundamental analysis methods in developing investment strategies for its Clients. Research and analysis from 7Twelve are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases and research prepared by others.

Fundamental analysis utilizes economic and business indicators as investment selection criteria. This criteria consists generally of ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Advisor in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Advisor monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Advisor’s review process are included below in Item 13 – Review of Accounts. As noted in Item 4 above, the 7Twelve Portfolio consists of twelve (12) equally weighted investments representing seven (7) asset classes. The Advisor selects the underlying index-based investments based on its internal due diligence processes.
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B. Risk of Loss
Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss.
Past performance is not a guarantee of future returns. Investing in securities and other investments
involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to
discuss these risks with the Advisor. More information about the investment policies and risks of the
Fund or Trust can be found in their respective prospectus. please register to get more info

There are no legal, regulatory or disciplinary events involving 7Twelve or its owner. 7Twelve and its Advisory Persons value the trust Clients place in the Advisor. The Advisor encourages all Clients to perform the requisite due diligence on any advisor or service provider that the Client engages. The backgrounds of the Advisor and its Advisor Persons are available on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 149849. please register to get more info

Investment Adviser Representative and Broker-Dealer Affiliation As noted in Item 5, Mr. Martin is also a registered representative of Silver Oak Securities. Additionally, Mr. Martin is an investment adviser representative of Silver Oak Securities. In his separate capacity as a registered representative, Mr. Martin will receive commissions for the implementation of recommendations for commissionable transactions. In his separate capacity as an investment adviser representative, Mr. Martin will typically provide investment management services to retail clients. Clients are not obligated to implement any recommendation provided by Mr. Martin. Neither 7Twelve nor Mr. Martin, as an IAR of 7Twelve, will earn ongoing investment advisory fees in connection with any services implemented in Mr. Martin’s separate capacity as an investment adviser representative and a registered representative. Shareholders of the fund are not solicited for the services provided by Mr. Martin as a registered representative and investment advisor representative.

Insurance Agency Affiliations As noted in Item 5, Mr. Martin is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from his role with 7Twelve. As an insurance professional, Mr. Martin will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Martin is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Martin or the Advisor. please register to get more info

A. Code of Ethics
7Twelve has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with 7Twelve (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to the Client. 7Twelve and its personnel owe a duty of loyalty, fairness and good faith towards each Client. It is the obligation of 7Twelve Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code of Ethics, please contact the Advisor at (615) 341-0712 or via email at [email protected].
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B. Personal Trading with Material Interest
7Twelve allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. 7Twelve does not act as principal in any transactions. In addition, the Advisor does not act as the general partner of a fund, or advise an investment company. 7Twelve may have an interest or position in certain securities, which may also be recommended to you.

C. Personal Trading in Same Securities as Clients
7Twelve allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must disclose to Clients and mitigated through policies and procedures. As noted above, the Advisor has adopted the Code to address insider trading (material non-public information controls); gifts and entertainment; outside business activities and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by 7Twelve requiring reporting of personal securities trades by its Supervised Persons for review by the Chief Compliance Officer (“CCO”) or delegate. The Advisor has also adopted written policies and procedures to detect the misuse of material, non-public information. The Advisor may have an interest or position in certain securities, which may also be recommended to you.

D. Personal Trading at Same Time as Client
While 7Twelve allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward.
At no time will 7Twelve, or any Supervised Person of 7Twelve, transact in any security to the detriment of
any Client. please register to get more info

A. Recommendation of Custodian[s]
7Twelve serves as the Advisor to the Fund pursuant to the advisory agreement approved by the Board, and investment consultant to the Trust pursuant to the consultant agreement approved by First Trust. 7Twelve is responsible for buying and selling securities on behalf of the Fund determining the amount of securities to be bought and sold, which broker-dealers to utilize, and negotiate commissions to be paid. Broker-dealers are selected if they have the capability to execute transactions on behalf of the Fund using its best efforts to seek the best overall terms available. All factors are considered in the selection process including but not limited to, the breadth of the market in the security, the price of the security, the financial condition and execution capability of the broker-dealer, anonymity and confidentiality, promptness, the quality of any research provided, the net results of specific transactions, the difficulty in the execution, the size of the order, the operational facilities of the broker- dealer, the broker-dealer's risk, and the reasonableness of commissions. As noted in Item 4, the Advisor provides the Trust’s Sponsor, a list of securities for deposit into the Trust.

Following are additional details regarding the brokerage practices of the Advisor for the Fund:

1. Soft Dollars – Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. 7Twelve does not participate in soft dollar programs sponsored or offered by any broker-
dealer/custodian. However, the Advisor receives certain economic benefits from the Custodian. Please
see Item 14 below.
2. Brokerage Referrals – 7Twelve does not receive any compensation from any third party in connection with the recommendation for establishing a brokerage account. 3. Directed Brokerage – Brokerage relationships are established by the Advisor and reported to the Fund’s Board.
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B. Aggregating and Allocating Trades
7Twelve retains a fiduciary obligation to manage Models fairly and equitably and so must ensure that 7Twelve does not “front run” the Model or self-deal with respect to any securities in such accounts on the Platform. If any change in the Models result in purchases or sales of securities for the Model at a time when 7Twelve may engage in transactions for the Fund, the Manager shall provide notice of such change to the Platform in a trading rotation with the Fund, with the Model occupying a place in such rotation as if the Model were a directed brokerage account managed by 7Twelve that does not allow step outs. As a result of this rotation, the Model may trade after the Fund and Trust and may receive less favorable execution.

Investment management and trading practices of the Fund are performed by the Advisor. Additional information is contained in the prospectus and SAI of the Fund.
please register to get more info

A. Frequency of Reviews
Investments in the Fund are monitored on a regular and continuous basis by Mr. Martin, President of 7Twelve. Formal reviews are generally conducted at least annually or more frequently depending on the needs of the Client. Reviews for consulting engagements will vary depending on the terms of the agreement and the nature of the services to be provided.
B. Causes for Reviews
Additional information is contained in the prospectus and SAI of the Fund or Trust.
C. Review Reports
At any time, a shareholder may receive general information regarding the Fund by calling (877) 525-0712. Additionally, shareholders may check their Fund account balances by reviewing the statements they receive from their respective insurance company. Shareholders for the Trust may review statements provided to them from the brokerage account where their shares are held. 7Twelve has no access to individual shareholder values for either the Fund or the Trust. please register to get more info

A. Compensation Received by 7Twelve
7Twelve does not receive any additional compensation.
B. Client Referrals from Solicitors
7Twelve does not engage paid solicitors for Client referrals. please register to get more info

7Twelve does not accept or maintain custody of any Client accounts. All Clients must place their assets with a “qualified custodian”. The custodian for the Fund is determined by the Board. The custodian for the Trust is determined by the Sponsor. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. please register to get more info

7Twelve generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by 7Twelve. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of an investment advisory agreement containing all applicable
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limitations to such authority. All discretionary trades made by 7Twelve will be in accordance with each Client's investment objectives and goals. please register to get more info

7Twelve will vote proxies on behalf of the Fund based on the proxy voting guidelines approved by the Board and will report the voting record of the Fund to the Board. 7Twelve will not vote proxies for the Trust. Instead, the trustee holds the securities on behalf of the unit holders and votes the proxies.
please register to get more info

Neither 7Twelve, nor its management have any adverse financial situations that would reasonably impair the ability of 7Twelve to meet all obligations to its Clients. Neither 7Twelve, nor any of its advisory persons, have been subject to a bankruptcy or financial compromise. 7Twelve is not required to deliver a balance sheet along with this Disclosure Brochure as the Advisor does not collect fees of $1,200 or more for services to be performed six months or more in advance.
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Privacy Policy
Effective: March 12, 2020
Our Commitment to You
7Twelve Advisors, LLC (“7Twelve” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”).

Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. 7Twelve (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you.

7Twelve does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below.

Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy.
Why you need to know?
Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information.
What information do we collect from you?

Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals

What Information do we collect from other sources?

Custody, brokerage and advisory agreements Account applications and forms Other advisory agreements and legal documents Investment questionnaires and suitability documents Transactional information with us or others Other information needed to service account
How do we protect your information?
To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us.
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How do we share your information?
An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information.
Basis For Sharing Do we share?
Can you
limit?
Servicing our Clients
We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting.

7Twelve shares Client information with Silver Oak Securities. This sharing is due to the oversight Silver Oak Securities has over certain Supervised Persons of the Advisor. You may also contact us at any time for a copy of the Silver Oak Securities Privacy Policy. Yes No
Marketing Purposes
7Twelve does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where 7Twelve or the client has a formal agreement with the financial institution. We will only
share information for purposes of servicing your accounts, not for
marketing purposes.
No Not Shared
Authorized Users
Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. Yes Yes
Information About Former Clients
7Twelve does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. No Not Shared

Changes to our Privacy Policy
We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us.

Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing.
Any Questions?
You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting us at (615) 341-0712 or via email at [email protected]. please register to get more info