We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications, forms or otherwise; and
Information about your transactions with us, our affiliates or others.
We may disclose all of the information that we collect, as described above. However, to the extent such information is provided to a nonaffiliated third party, we will do so subject to an agreement that prohibits the third party from disclosing or using the information other than to carry out the purposes for which we disclose the information.
We may disclose nonpublic personal information about you to the following types of third parties:
- financial service providers, such as securities broker-dealers, futures commission merchants, introducing brokers, commodity trading advisors and commodity pool operators;
- non-financial companies, such as retailers, direct marketers and publishers; and
- other non-affiliated parties as permitted by law.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf, or to other financial institutions with which we have joint marketing agreements.
The categories of nonpublic personal information that we disclose, as described above, and the categories of third parties to whom we disclose it are the same for former as for current customers.
If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties you may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures permitted or required by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may click here
for the appropriate form.
On an internal basis, we authorize access to nonpublic personal information about you to those employees who need to know that information to provide services to you or to enforce our rights relating to your transactions with us. We maintain security practices and procedures to ensure the confidentiality of your nonpublic personal information.