PRIVACY POLICY
The firm understands your Privacy is important. We have posted this notice in accordance with applicable international privacy laws and because you are a current or potential customer of the firm. This notice will help you understand what types of nonpublic personal information - information about you that is not publicly available - we may collect, how we use it and how we protect your privacy.
We collect nonpublic personal information to process and administer our customers' business and to ensure that we are satisfying their financial needs. We have policies and procedures in place to protect nonpublic personal information about our customers. We do not sell nonpublic personal information about our customers to third parties, i.e., companies or individuals that are not affiliated with SCI International. We do not disclose any nonpublic personal information about our customers to anyone, except as permitted by law. Our Privacy Policy applies to both current and former customers.
Questions and Answers that detail the Firm's Privacy Policy
Q: What types of nonpublic personal information does the firm collect?
A: The firm, its employees, representatives, agents and selected third parties may collect nonpublic personal information about our customers, including:
- Information provided to us, such as on applications or other forms.
- Information about transactions with us, our affiliates or third parties.
- Information from others, such as credit reporting agencies, employers and other agencies.
The types of nonpublic personal information the firm collects vary according to the products or services provided and may include, for example: income, assets, insurance premiums, credit reports, marital status and payment history.
Q: What does the firm do to protect nonpublic personal information?
A: We restrict access to nonpublic personal information to those employees, agents' representatives or third parties who need to know the information to provide products and services to our customers. We have policies and procedures that give direction to our employees, and agents and representatives acting on our behalf, regarding how to protect and use nonpublic personal information. We maintain physical information and procedural safeguards to protect nonpublic personal information.
Q: With whom does the firm share nonpublic personal information, and why?
A: We do not share nonpublic personal information about our customers with anyone, including other affiliated companies or third parties, except as permitted by law. We may disclose, as allowed by law, all types of nonpublic personal information we collect when needed, to affiliated companies, agents, employees, representatives and third parties that market our services and products and administer and service our customer on our behalf; or other financial institutions with whom we have joint marketing agreements. Examples of the types of companies and individuals to whom we may disclose nonpublic personal information include banks, attorneys, trustees, third-party administrators, insurance agents, insurance companies, insurance support organizations, credit reporting agencies, registered broker/dealers, auditors, regulators, transfer agents and re-insurers. We do not share personally identifiable information unless the customer or the applicable law authorizes further sharing.
Q: Does the Firm's Privacy Policy apply to its agents and representatives?
A: The Firm's Privacy Policy applies, to the extent required by law, to its agents and representatives when they are acting on behalf of the firm. Please note: There may be instances when these same agents and representatives may not be acting on behalf of the firm, in which case they may collect nonpublic personal information on their own behalf or on behalf of another. In these instances, the Firm's Privacy Policy would not apply.
Q: Will the Firm's Privacy Policy change?
A: The firm reserves the right to change any of its privacy policies and related procedures at any time, in accordance with applicable international privacy laws. You will receive appropriate notice of our Privacy Policy changes.
