PRIVACY POLICY

Your privacy is important to us.  We respect every individual’s right to privacy and security of information that personally identifies you or your account with us.  That is why we are committed to our Privacy Policy, which is outlined below.

We will safeguard, according to strict standards of security and confidentiality, any nonpublic personal information our customers share with us.  We do not sell personal information to anyone.

We collect personal information, such as your name, address and social security number, income, assets, family data, and medical history (if you are applying for insurance) from the applications or other forms that you complete.  We also collect information about your transactions with us, such as your account balance, investment history and parties to transactions.

We may share nonpublic personal information with companies that perform administrative or other services on our behalf such as transfer agents, mutual fund companies, insurance companies and other service providers to effect transactions that you request or authorize.  We do not otherwise share personal information we collect about you or any of our former customers with anyone, except as required or permitted by law.

We protect the integrity and privacy of your information in a number of ways.  We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

The accuracy of your personal information is important.  If you need to correct or update your personal or account information, please advise us as soon as possible.  We will be happy to review, correct or update your personal or account information.