Last Updated: August 2015
|FACTS||WHAT DOES FINANCIAL PERSPECTIVES DO WITH YOUR PERSONAL INFORMATION?|
|WHY?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.|
|WHAT?||The types of personal information we collect and share depend on the product or service you have with us. This financial information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
|HOW?||All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Financial Perspectives chooses to share; and whether you can limit this sharing.|
|REASONS WE CAN SHARE YOUR PERSONAL INFORMATION||DOES FINANCIAL PERSPECTIVES SHARE?||CAN YOU LIMIT THIS SHARING?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.||Yes||No|
|For our marketing purposes – to offer our products and services to you||Yes||No|
|For joint marketing with other financial companies||No||We don’t share|
|For our affiliates’ everyday business purposes- information about your transactions and experiences||Yes||No|
|For our affiliates’ everyday business purposes- information about your creditworthiness||No||We don’t share|
|For non-affiliates to market to you||No||We don’t share|
|WHO WE ARE|
|Who is providing this notice?||This notice is being provided on behalf of Financial Perspectives, Inc. (“Financial Perspectives”).|
|WHAT WE DO|
|How does Financial Perspectives protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.|
|How does Financial Perspectives collect my personal information?||We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies
|Why can’t I limit all sharing?||Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
|What happens when I limit sharing for an account I hold jointly with someone else?||Your choice will apply to everyone on your account – unless you tell us otherwise.|
|Affiliates||Companies related by common ownership or control.
|Nonaffiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|CUSTOMER ID NOTICE|
|Please contact your Financial Advisor or our Compliance Department at (877) 553‐7780.|