Why We Collect and How We Use Information: We collect and use Information to deliver service to your broker and you. Such service includes maintaining your accounts with us, processing transactions requested by you and administering our business.
How We Gather Information: We get most Information directly from you or your broker, when you apply for, access, and use financial products and services offered by your broker and its business partners - whether in person, by telephone or electronically. We may verify this Information or get additional Information from consumer reporting agencies or other sources. This Information may relate to your finances, employment or other personal characteristics, such as your first and last name, address, phone number, social security number and email address, as well as accounts with us and transactions and interactions by, with or through your broker, us or others. We may also collect Information about what you have entered into, viewed on and/or downloaded from our or your broker’s website.
Disclosure of Information: We may disclose any kind of Information to or as directed by your broker or when we believe it necessary for the conduct of our business, or where disclosure is required or permitted by law. For example, Information may be disclosed for audit or research purposes, to attorneys or other professionals, or to law enforcement and regulatory agencies to help, among other things, prevent fraud or money laundering. In addition, we may disclose any kind of Information to third party service providers, (i) to enable them to provide business services for us or your broker, such as performing computer related or data maintenance or processing services for us or your broker, (ii) to facilitate the processing of transactions requested by you, (iii), to assist us in offering products and services to your broker or to assist your broker in offering products and services to you, or (iv) for credit review and reporting purposes. Except in those specific, limited situations, without your consent, we will not make any disclosures of Information to other companies who may want to sell their products or services to you. For example, we do not sell customer lists, and we will not sell your name to a catalog company or telemarketer.