Our commitment to your privacy: YOUR FINANCIAL GENIE has a long-standing policy of protecting the confidentiality and security of information we collect about clients we will not share nonpublic information about you (“Information”) without your consent, except for specific purposes describe below. This notice describes the Information we may gather in the circumstances under which we may share it.
Why do we gather information? We collect information required to open an account to transact business effectively, and to safeguard your assets or your privacy. But we also continually strive to improve our services and provide you opportunities to use additional products and services. You may find of interest to do this we gather information to help us assess your needs and preferences.
What information do we collect? The information we collect directly from you includes information required to communicate with you, including your name, mailing address, telephone number, email address and fax number, gender, education, occupation, employer name, and address. And identify who you are including birthdate and Social Security number. Additional we may also collect your approximate annual income, approximate net worth, approximate worth, and credit report to assess financial position.
When do we obtain information? You directly provide to us the majority of your information we collect. You do this by completing the account application and related documentation, sending us an email for questions or comment.
How do we use your personal information? Again, the trust of our clients is our most valued asset. Therefore, we use personal information only as appropriate to provide you quality service and security.
For example, YOUR FINANCIAL GENIE may use the information collected from you to verify your identity and contact information. We may also use this information to establish and set up your account, issue, an account number, and a secure password, maintain your account, and contact you with account information. This information helps us improve our services to you, customize your browsing experience, and inform you about additional products, services or promotions, that may be of interest to you.
YOUR FINANCIAL GENIE may also use demographic information provided by others or our clients so that we can develop products and services for our clients.
Should you close your account with us, YOUR FINANCIAL GENIE will retain your information as needed to comply with regulatory requirements.
What information does YOUR FINANCIAL GENIE share with affiliates, alliances, and partners?
YOUR FINANCIAL GENIE may share information with affiliates. If the information is required to provide the product or services, you have requested, or to provide you the opportunity to participate in the products or services are affiliates, offer YOUR FINANCIAL GENIE also forges, partnerships, and alliances, which may include joint, marketing agreements, with other companies, who offer high-quality products and services that might be a value to our clients. In order to ensure that these products and services meet your needs and are delivered in a manner that is useful and relevant, YOUR FINANCIAL GENIE may share some information with partners, affiliates and alliances. This allows them to better understand the offers that are most relevant and useful. We may also compare our client lists with those of our partners and affiliates to ensure that they are not sending messages to you if you’ve elected not to be so notified. In our strategic relationships, we will require that it be identified that an offer is being extended because of the relationship with us. The use of your personal information is limited to the purposes identified in our relationship with the partner or affiliate.
An affiliate is a company that we own control with which there is common ownership with us and our parent company. We may share with our affiliates information about our transactions and experiences with you such as name, email address, mailing address, date of birth, employment, status, and general account and demographic information. This information may be used for internal reporting, development strategies. We do not share information, other than the types of transactions and experience information describe above with our affiliates.
Do we share the information collected with any other third parties? The cornerstone of our privacy statement is the commitment to keep our clients’ personal information confidential. YOUR FINANCIAL GENIE does not sell, license, lease, or otherwise disclose your personal information to any third-party for any reason, except as noted earlier, and as described below.
To help us improve our services to you, we may engage another business to help us to carry out certain internal function, such as account processing, fulfillment, client, service, client, satisfaction, surveys, or other data collection activities, relevant to our business. We may also provide a party with client information from our database to help us to analyze and identify client needs and notify clients of product and service offerings. Use of the information shared is strictly limited to the performance of the task we request and for no other purpose.
All parties with which we share personal information are required to protect personal information in a manner similar to the way we protect personal information. Examples of information shared our identifying information such as name, mailing address, email address, telephone number, and information on account activity. If it anytime you choose to purchase a product or service offered by another company, any personal information you share with that company will no longer be controlled under our Privacy Statement.
YOUR FINANCIAL GENIE also reserves the right to disclose your personal information to third-party, were permitted by law, or where required by law to regulatory, law-enforcement or other government authorities. We may also disclose your information as necessary to credit reporting, or collection, agencies, or when necessary to protect our rights or property.
Does our Privacy Statement apply to the sites to which we link? No. We are not responsible for the privacy policies or the content of sites we link to and have no control of the use or protection of information provided by you or collected by those sites. Whenever you elect a link to a cobranded website or a linked website, you may be asked to provide registration or other information. Please note that the information you were providing is going to a third-party and you should familiarize yourself with the privacy policy provided by that third-party.
What about “cookies” and other tracking devices? Cookies are small text file sent from the Web server to your computer. YOUR FINANCIAL GENIE may maintain a website that contains cookies. Cookies also may be placed by third parties when you access their sites through linking from a website. We do not have access to these cookies or any information that these cookies may contain. Please contact the third-party site for more information on these cookies. Although we encourage third parties to adhere to appropriate privacy policies and standards, we are not responsible for the actions or policies of such parties.
To administer and improve the YOUR FINANCIAL GENIE website, we may use a third-party to track and analyze usage and volume statistical information, including page, request, form, request, and click paths. All data collected for this purpose is owned and used by YOUR FINANCIAL GENIE. The third-party may use cookies to track behavior and may set cookies on behalf of YOUR FINANCIAL GENIE. These cookies do not contain any personal identifiable information.
Will I be able to review, change, or correct my information? Yes. Personal identifying information may be reviewed, changed or corrected at any time. Your responsible for maintaining the accuracy and completeness of your personal and other information. At least once every 36 months, we will send you a letter asking you to confirm the information we have on file. If you would like to review your personal information, or if you believe that any of the information is incorrect, or if you have any questions regarding your personal information or you have any other questions or concerns regarding this privacy policy, simply contact our office.
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 any of these sharing.
How will I know if there are any changes to this privacy statement? YOUR FINANCIAL GENIE will provide each client an annual privacy statement that will include all changes.
