Privacy Policy

Investment Advisers are required by law to inform their clients of their policies regarding privacy of client information. 


We are bound by professional standards of confidentiality that are even more stringent than those required by law. 

 

Federal law gives customers the right to limit some but not all sharing of personal information.  It also requires us to tell you how we collect, share, and protect your personal information.   

 

TYPES OF NONPUBLIC PERSONAL INFORMATION (NPI) WE COLLECT
 
We  collect  nonpublic  personal  information  about  you that  is  either  provided  to  us  by  you  or  obtained  by  us with  your  authorization.  This  can  include  but  is  not limited  to  your Social  Security  Number,  Date  of  Birth, Banking  Information  and  Financial  Account  Numbers and/or  Balances,  Sources  of  Income,  Credit  Card Numbers or other Information. When you are no longer our  customer,  we  may  continue  to  share  your information only as described in this notice.  


PARTIES TO WHOM WE DISCLOSE INFORMATION
 
All  Investment  Advisers  may  need  to  share  personal information  to  run  their  everyday business.  In  the section  below,  we  list  the  typical  reasons  that  we  may share your personal information: 
 -  For everyday business purposes – such as to process your  transactions,  maintain  your account(s),  or respond  to  court  orders  and  legal  investigations,  or report to credit bureaus;
 -  For  our  marketing  –  to  offer  our  products  and services to you; 
 -  For joint marketing with other financial companies; 
 -  For  our  affiliates’  everyday  business  purposes  – information  about  your  transactions  and experiences; or
 - For non-affiliates to market to you.
 
Clients  may  opt  out  of  sharing  information  for  joint marketing  to  other  financial  companies,  to  our  affiliates and to non-affiliates.  If you are a new customer we may begin sharing your information on the day you sign our agreement.    When  you  are  no  longer  our  customer,  we
may  continue to share your  information  as described in this notice.  However, you can contact us at any time to limit our sharing. 
 
PROTECTING THE CONFIDENTIALITY OF CURRENT AND FORMER CLIENT’S INFORMATION


 To protect your personal information from unauthorized access  and  use,  we  use  security  measures  that  comply with  federal  law,  including  computer  safeguards  and secured files and building.
 
FEDERAL LAW GIVES YOU THE RIGHT TO LIMIT SHARING – OPTING OUT 


 Federal  law  allows  you  the  right  to  limit  the  sharing  of your  NPI by  “opting-out”  of  the following:    sharing  for affiliates’  everyday  business  purposes  –  information about your creditworthiness; sharing with affiliates who use  your  information  to  market  to  you;  or  sharing  with non-affiliates  to  market  to  you.    State  laws  and individual companies  may  give you additional rights to limit  sharing.    Please  notify  us  immediately  at  our address or telephone number if you choose to opt out of these types of sharing.
 
DEFINITIONS:

 

Affiliates – companies related by common ownershipor  control.    They  can  be  financial  and  nonfinancial  companies;  Non-affiliates  –  companies  not  related  by  common  ownership  or  control.  They can be financial and nonfinancial companies; Joint marketing  – a formal  agreement  between  non-affiliated  financial  companies  that together market financial products or services to you.
 
Please call if you have any questions. Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us.