Privacy Policy - Capital Choice Financial Services, Inc
An Important Notice Concerning Client Privacy
Protecting your privacy is a top priority of The Capital Choice Financial Services, Inc. (CCFS) and its affiliates (“Affiliates”). We value the confidence you have placed in us and are committed to ensure that the client information we maintain about you is safeguarded. This Privacy Notice (“Notice”) explains how CCFS and its Affiliates (see the list below) collect, share and protect your personal information, and gives you valuable information on the choices you have about how we use your information. Any privacy choices you made prior to this Notice will remain in effect until revoked by you.
Information We Collect About You
We call all personal non-public information described in this Notice “Client Information”. This Client Information may include the following depending on the product:
- Information we receive from you on applications or other forms when you open an account, register for one of our products or services, or accept a promotional offer for a product or service from us or companies related to us through common ownership or control (“Affiliates”), including: your name, address, Social Security number, phone number, email address, assets, income, financial goals, investment objectives, motor vehicle information and health information for insurance applications.
- Information about your transactions with us, our Affiliates or others such as your account balance, payment history, parties to transactions, health care information, claims history, and use of other products and services.
Why We Keep your Client Information
Some of the Affiliates of CCFS are required to maintain Client Information for specified periods of time. In those instances, we must comply with the applicable regulations.
Use of Client Information
We use Client Information for: (1) our everyday business purposes, such as processing transactions, maintaining your account, reporting to credit bureaus, providing financial advice, verifying your identity, and fulfilling legal and regulatory obligations; (2) our marketing purposes, namely to offer our products and services to you; and (3) joint marketing with other companies.
Disclosing Client Information in Certain Situations
We may disclose any of the categories of Client Information when required or permitted by law. For example, we may be required to disclose Client Information to cooperate with law enforcement and other federal authorities, comply with regulatory requirements, to resolve client disputes, or to perform credit checks and authentication procedures to prevent fraud.
Confidentiality and Security of Client Information
We will not sell your Client Information to anyone, and we restrict access to your Client Information to only those authorized persons who need to know that information for business purposes. In addition, we maintain physical, electronic and procedural safeguards to protect your Client Information at all times.
Opt-Out Choice A – Disclosure of Client Information to Affiliates
We may share Client Information with our Affiliates, in order to (1) provide financial advice and information to help you meet your financial goals; (2) service your account; and (3) offer our products and services to you.
The Client Information we share with Affiliates includes identification and contact information, and general information about your transactions and experiences with us. We do not share credit or financial information with our Affiliates for marketing purposes. You may direct us not to use your Client Information for this purpose, by calling a Compliance Professional at (706) 453-1995 and indicating Opt-Out Choice A.
Opt-Out Choice B – Disclosure of Client Information to Non-affiliated Third Parties
We may share Client Information with non-affiliated third parties in very limited circumstances and we require them to safeguard this information and only use it for the agreed upon purpose which may include, but not limited to:
(1) To help us process transactions for your account; (2) To service your account or perform other business functions on our behalf, such as mail and print vendors; and (3) When we enter into a joint marketing agreement with another financial institution to provide financial products and services that we believe may be of benefit to you.
We do not share Client Information, except as described in this section, with non-affiliated third parties so they can market their products and services directly to you. However, we may use Client Information to send you marketing offers on behalf of selected non-affiliated third parties for products that they sell. If you respond to one of these offers, the other company will know certain information about you, such as: your name, that you are our client, and that you met the qualifications established for the offer. You may direct us not to use your Client Information for this purpose by calling a Compliance Professional at (706) 453-1995 and indicating Opt-Out Choice B.
This notice applies to The CCFS companies listed below:
Capital Choice Financial Services, Inc.
Capital Choice Financial Insurance Services, Inc..
Capital Choice Financial Services of Texas
Capital Choice Financial Group
CCFS version 10.2017 BR
Privacy Policy - CoreCap Investments, LLC
CoreCap Investments, LLC, a registered broker-dealer and member of FINRA/SIPC and CoreCap
Advisors, LLC, a SEC registered investment advisor (collectively, “CoreCap”), are committed to
safeguarding the confidential information of our clients (“client” or “you”). Our policy with respect to
your personal information is listed below and applies to all current and former clients.
Information CoreCap Collects
The information that CoreCap collects is used in conjunction with CoreCap’s regular process of business. CoreCap collects information about you from several sources, including, but not limited to:
• The information you provide to CoreCap on applications and forms, such as your name, address, social security number, marital status, employment status/details, assets, income, and health information;
• Information provided to CoreCap by CoreCap’s clearing firms, third-party service providers, mutual fund companies, insurance companies, CoreCap’s representatives and advisors, and your former broker-dealer or investment advisor and consumer reporting agencies about your accounts and transactions.
Information We Share With Others
CoreCap does not share your personal information for marketing purposes. If CoreCap’s policy were to change, CoreCap would be required by law to notify you prior to sharing your information. CoreCap does share your personal information as necessary to conduct business on your account, including, but not limited to:
• With our employees, representatives/advisors as needed to open, maintain, and service your
account(s);
• With unaffiliated third parties, such as our clearing firms, product sponsors and banks in order
to carry out your instructions;
• With unaffiliated third-party vendors in order to create and maintain records of your account.
For example, information regarding your account is provided to a third party to create a
statement.
• As required to do so by law such as via requirement by subpoena or as required to comply with
a regulatory agency or government order;
• The information which you provide to us may be shared with our affiliates in order to offer
products to offer products and services provided by those affiliates to you. You may opt out of
this type of information sharing.
If Your Representative/Advisor Leaves Our Firm
• If you do not live in an “opt-out” state and do not want your representative/advisor to take your
non-public information should he/she leave CoreCap, you have the right to opt-out of such
disclosure.
Protecting the Confidentiality and Security of Your Information
CoreCap has physical, electronic, and procedural security systems in place to protect the confidentiality
of your personal information.
Opt-In Information
Should your representative/advisor leave CoreCap and you live in an “opt-in” state (such as California,
Massachusetts, Maine, Alaska, North Dakota, or Vermont) we must receive written affirmative
consent from you prior to sharing your nonpublic personal information with your
representative/advisor’s new firm. You must contact our Compliance Department at (888) 296-3360
or email us at [email protected] to notify us of your decision. CoreCap will provide you
with the consent form.
Information for Vermont and California Customers
In response to Vermont regulation, if we disclose information about you to non-affiliated third parties
with whom we have joint marketing agreements, we will disclose only your name, address, other
contact information, and information about our transactions or experiences with you. In response to a
California law, we automatically treat accounts with California billing addresses as if you do not want
to disclose personal information about you to non-affiliated third parties except as permitted by the
applicable California law. We will also limit the sharing of personal information about you with our
affiliates to comply with California privacy laws that apply to us.
Other Important Notices
If you have any questions regarding this privacy policy, or have complaints or concerns about your
account, please contact the Compliance Department at (888) 296-3360 or at
[email protected].
If you have any questions regarding your account, please contact your representative/advisor so that
they may assist you.
If you have problems concerning your representative/advisor, please contact the Compliance
Department at (888) 296-3360 or at [email protected].
For more information about Securities Investor Protection Act (“SIPC”), including how to obtain the
SIPC brochure, you may contact SIPC at (202) 371-8300 or visit their website at www.sipc.org.
Should you like information regarding FINRA Broker Check, or would like to receive to receive a copy
of the Public Disclosure Program Investor Brochure, please contact FINRA at (800) 289-9999 or visit
their website at www.finra.org.
To help the government fight the funding of terrorism and money laundering, your name will be
verified by searching the Treasury’s Office of Foreign Asset Control’s “Specially Designated National
and Blocked Persons” list.
If your account becomes inactive for a certain period of time your account balance and outstanding
credits may be transferred to a state unclaimed property administrator. The period of time is specific
by state law and varies from state to state
Securities sold through CoreCap Investments, LLC. Advisory services offered by CoreCap Advisors, LLC.
