In the normal course of business, we collect, retain and use information about you to serve your financial needs, administer your account(s) and inform you of products and services that may be of interest. This data, known as non-public personal information, may be collected from several sources, but comes primarily from your new account application form or from other sources provided by you. This information includes your name, address and Social Security number that you may have provided on such forms. In addition, we maintain records of transactions and holdings.
We provide information about current or former clients from the sources described above to parties as described below:
To other companies as necessary to process your business. For example, we transmit your account and transactional information to the company that prints your account statements. Third parties must limit their use of the information to the purpose for which it was provided. Mutual Fund companies would receive your personal information when an application is submitted directly to them.
Where required or permitted by law or regulation. i.e. response to subpoena, court order or regulatory demand. Also, the law permits response to a request for information about you from a consumer-reporting agency.
As authorized by you. You may direct us, for example, to send your account statements and trade confirmations to a third party.
Confidentiality and Security. We restrict access to information about you to those authorized agents and employees who need the information in order to provide products or services to you. We maintain your records in our office and maintain physical and procedural safeguards that comply with regulatory bodies’ standards to maintain the confidentiality of your information.
Option to Opt Out and Change Notices. If for any reason at any time in the future, we find it necessary to disclose any of your personal information in a way that is inconsistent with this policy, we will give you advance notice of the proposed change and the opportunity to opt out of such disclosure.
