We consider customer privacy to be fundamental to our relationship with clients.
In the course of providing products and services, we collect nonpublic personal information about clients. We collect this information from sources such as account applications, other account forms, information captured on our Web site (including any information captured through our use of "cookies") and client transactions with us, our affiliates or other parties.
We do not disclose nonpublic personal information about our customers or former customers to any nonaffiliated parties, except as permitted by applicable law or regulation.
collect and maintain nonpublic, personal information we receive from you
directly, on applications, other forms or our website, and from your
transactions with us. This information includes, for example, your name,
address, Social Security or tax identification number, assets, income, financial
needs and goals and account balances and transactions, including transactions
with unaffiliated parties. We use this information to evaluate your financial
needs and to process your requests and transactions.
The organizations that receive client information will use that information only for the services required and as permitted by applicable law or regulation, and are not permitted to share or use this information for any other purpose.
In the normal course of serving clients, information we collect may be shared with companies that perform various services such as transfer agents, custodians, and broker-dealers. We do not sell or share your information to any marketing service firms and we have in place agreements with our affiliates that they not sell or share your information to any marketing service providers.
Additionally, on some occasions we may disclose information because we are legally required to do so or in other legally limited circumstances (for example, to protect your account from fraud or in legal proceedings).
If you ask us to provide your information to a trusted third party such as your accountant or attorney, we are glad to oblige.
We employ safeguards to protect the integrity of our clients’ information.
Access to customers' nonpublic personal information is restricted to employees, agents or other parties who need to access that information to provide products or services to clients. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard clients' nonpublic personal information. A client's right to privacy extends to all forms of contact with us, including telephone, written correspondence, and electronic media, such as the Internet.