Privacy Policy

  

PURPOSE OF THIS NOTICE

Providers of personal financial services are required by law to inform their customers and investors of their policies regarding privacy of client information. We value your business and feel that the basis of each relationship is trust. Accordingly, we are providing you with this document, which notifies you of our privacy policies and practices.


INFORMATION THAT WE COLLECT

We collect non-public information about you in the process of providing a product or service to you, and may come from any or all of the following sources:

1. Information we receive from you on applications or other forms.

2. Information about your transactions with us, our affiliates, or others.

3. Information from third parties relating to your transactions with us.


INFORMATION THAT WE DISCLOSE AND TO WHOM DISCLOSED

We do not disclose any non-public personal information about you to anyone except as required or permitted by law.

Required disclosures include, for example, providing information to the State Banking Department, the Securities Commission and our Auditors during their periodic examinations, or in compliance with a subpoena, search warrant or other court order.

Permitted disclosures include providing information to our employees, and in limited situations, to unrelated third parties who need to know that information to assist us in providing a service that you requested.

We may also share your information with a regulatory agency, law enforcement, credit reporting agency, or other governmental authority for purposes of detecting or preventing fraud, crimes, or misrepresentations in connection with a transaction, resolving claims or service disputes, or investigating suspected illegal or unlawful activities.

We do not provide personal or account information to any other company for the purpose of telemarketing or direct-mail marketing of any product or service.


HOW WE PROTECT YOUR INFORMATION

We restrict access to your non-public personal information and only allow disclosures as permitted or required by law. We maintain physical, electronic, and procedural safeguards to protect your non-public personal information from being accessed by third parties.


YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION

You have the right to review your personal information that we record about you.

You may schedule a visit to see and copy the information, or we will send you copies, whichever you prefer. If the information you wish to review was provided to us by a consumer reporting agency, you will be referred to them for disclosure of that information.

We will not provide access to information that relates to and was collected in connection with or in reasonable anticipation of a civil or criminal proceeding.

If you believe any information is incorrect, notify us, and if we agree, we will correct it. If we disagree, we will advise you in writing why we disagree.

 

APPLICATION

This privacy statement describes our privacy practices for current and former customers and investors. Please call if you have any questions, because your privacy, our professional ethics, and the ability to provide you with the highest quality of service are very important to us.