Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. CCM is bound by professional standards of confidentiality that are even more stringent than those required by law. Federal law gives the customer the right to limit some but not all sharing of personal information. It also requires CCM to tell you how CCM collects, shares, and protects your personal information.
TYPES OF NONPUBLIC PERSONAL
INFORMATION (NPI) CCM COLLECTS
CCM collects nonpublic personal information about you that is either provided to CCM by you or obtained by CCM with your authorization. This can include but is not limited to your Social Security Number, Date of Birth, Banking Information, Financial Account Numbers and/or Balances, Sources of Income, and Credit Card Numbers or Information. When you are no longer CCM’s customer, CCM may continue to share your information only as described in this notice.
PARTIES TO WHOM CCM DISCLOSES INFORMATION
All Investment Advisers may need to share personal information to run their everyday business. In the section below, CCM lists the reasons that CCM may share your personal information:
- For everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus;
- For CCM’s marketing – to offer CCM products and services to you;
- For joint marketing with other financial companies;
- For CCM’s affiliates’ everyday business purposes – information about your transactions and experiences and information about your creditworthiness; or
- For non-affiliates to market to you.
If you are a new customer CCM may begin sharing your information on the day you sign CCM’s agreement. When you are no longer CCM’s customer, CCM may continue to share your information as described in this notice. However, you can contact CCM at any time to limit CCM’s sharing.
PROTECTING CONFIDENTIALITY OF CURRENT AND FORMER CLIENT’S INFORMATION
To protect your personal information from unauthorized access and use, CCM uses security measures that comply with federal law, including computer safeguards and secured files and building.
FEDERAL & STATE LAW ALLOWS YOU 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 non-affiliates’ everyday business purposes – information about your creditworthiness; or sharing with affiliates or non-affiliates who use your information to market to you. State laws and individual companies may give you additional rights to limit sharing. Please notify CCM immediately if you choose to opt out of these types of sharing.
DEFINITIONS: Affiliates – companies related by common ownership or control. They can be financial and non-financial companies; Non-affiliates – companies not related by common ownership or control. They can be financial and non-financial companies; Joint marketing – a formal agreement between non-affiliated financial companies that together market financial products or services to you.
Please call if you have any questions. Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to CCM.
