Your Privacy 

Privacy Notice

We value our customers' trust and are committed to the responsible management, use and protection of personal information.  This notice is being provided to you in accordance with the Securities and Exchange Commission's rule regarding the privacy of consumer financial information (Regulation S-P).  Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your non-public personal information.*

*Non-public personal information means personally identifiable financial information and any list, description or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available.

Information We Collect

We collect personal information about you and all of our clients from the information you submit on our applications or other forms, and through information we obtain over the course of your business relationship with us, our affiliates, and others.  The personally identifiable financial information that we gather during the normal course of doing business with you may include:

• Information we receive from you on applications or other forms, such as your name, address, telephone number, social security number, etc.
• Information about your transactions with us, our affiliates, or others, such as your account balances, investments, and current and prior tax information.

Information We Disclose

We will not disclose any non-public personal information about our clients or former clients to unaffiliated third parties, except as required or permitted by law.  When necessary to provide all of the services you request for your account, we may provide non-public personal information about you to certain non-affiliated third parties, such as attorneys, accountants, auditors or entities that are assessing our compliance with industry standards, or broker/dealers that serve or may serve as the custodian of your account or that may affect securities transactions on your behalf.  Such disclosure is only made in order to fulfill our duties in fully servicing your account.  Under no circumstances do we sell your name or other information to anyone. We may, however, share your information with our affiliate, Spoor & Associates, P.A.

Confidentiality & Security

Within our institution, we provide access to your non-public personal information only to those employees who need to know that information in order to provide you with our services.  We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.