Privacy Policy
Protecting the privacy and confidentiality of your personal information is important to us. Because we know how much you value your privacy, Accuwealth Financial Services, LLC wants to inform you that our information sharing practices with our Beneficial affiliates have changed.
At Accuwealth Financial Services, LLC, protecting the privacy and confidentiality of your personal information is important to us. Our customers have a right to expect that information they entrust to us will be treated with appropriate discretion and confidentiality. Carter Christian Financia is committed to maintaining your privacy and safeguarding your account, transactions and personal information.
Definition Of Terms Used With Regard To Your Privacy
For the purposes of this statement, the following definitions apply:
“Nonpublic personal information” means information about you, which is not available from public sources, obtained in connection with providing you with a financial product or service. For example, nonpublic personal information includes information regarding your account balance, payment history and deposit account activity. It also includes your social security number, account number, date of birth, and other information associated with you in particular through one or more identifiers.
An “affiliate” is a company we own or control, a company that owns or controls us, or a company controlled by the same company that owns or controls us. Owning does not mean complete ownership, but means owning enough to have control.
A “nonaffiliated third party” is a person we do not employ or a company that is not affiliated with us, also known as a non-affiliated third party, or simply, an “other party.”
“Opt-out” means a choice you can make to prevent sharing of certain information.
Information We Collect
As a trusted financial services company, we collect, retain, and use nonpublic personal information about individual customers in order to provide products and services to our customers. We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications and other forms
Information about your transactions with us, our affiliates, or others
Information we receive from a consumer reporting agency
The Confidentiality, Security, And Integrity Of Your Nonpublic Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Information We Disclose
We may disclose the following kinds of nonpublic personal information about you:
Information we receive from you on applications or other forms, such as your name, address, social security number, date of birth, employment, income, assets, liabilities and net worth;
Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, parties to transactions, transaction volumes, insurance transactions and credit card usage; and
Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
Information We Disclose To Our Affiliates
We may disclose to our affiliates any information concerning our transactions and experiences with you without restriction. In addition, we may disclose other information about you, such as information set forth on your consumer report subject to your right to opt-out of such information sharing.
If you prefer we not share your consumer report information with our affiliates, please review the information in the section “You Have The Right To Choose” at the end of this statement.
Types of Affiliates
We may disclose nonpublic personal information about you to our affiliates:
Insurance Companies
Mortgage Companies
Reasons for Disclosure
Here is why we may disclose nonpublic personal information about you to our affiliates:
To provide our customers with information about additional products and services available.
To evaluate our total relationship with you and our affiliates to ensure we are providing maximum value to you.
The information is necessary to effect, administer, or enforce a transaction requested by a customer.
Information We Disclose To Nonaffiliated Third Parties
We will not disclose nonpublic personal information about you to any nonaffiliated third parties except as disclosed in this policy or as permitted by law – to service your account, offer products and services you may find valuable, report to credit bureaus, manage risk, assess compliance and perform other financial services related activities.
Service Providers / Joint Marketing Partners
We may disclose all of the information we collect, as described above, to companies that perform services on our behalf or to other financial institutions with whom we have joint marketing agreements, in order to provide account services and to offer products and services you may find valuable.
Nonpublic Personal Information And Former Customers
We do not disclose nonpublic personal information about former customers, except as permitted by law.
Your Privacy Online – For Internet Users
The digital age has made online banking an everyday reality. Our commitment to safeguard your privacy extends to the Internet. Here is some information regarding our online process.
Information we collect:
If you complete an online application, you’ll need to provide identification so we can process your request and correspond with you.
If you bank online and want to access your account, you’ll need to provide us with information requested so we can verify your identity.
If you allow us to send you email messages, we will retain the information you provide us in order to deliver emails of specific interest to you. If you choose to send an email to Accuwealth Financial Services, LLC, we may retain the contents of your email message, your email address, and our subsequent reply.
We may use cookies, which are pieces of data that help websites recognize return visitors to personalize and enrich your online visits with us and to collect site-visitation statistics. However, personal information is not collected.
Information Storage
Accuwealth Financial Services, LLC may store the information collected during your visit on an electronic database. Beneficial Bank uses security measures to protect against loss, misuse and alteration of data stored in our systems.
Third Party Websites
Accuwealth Financial Services, LLC website contains links to third- party websites that you may find useful. Those sites may have their own privacy policies. Once you leave the Accuwealth Financial Services, LLC site, our privacy policy will no longer be in effect. You should review the privacy policy of any website before you provide personal or confidential information. Fraud and Identity Theft At Carter Christian Financia, we are committed to customer protection, which includes protecting personal information about you as well as providing you with ways to protect yourself. Identity theft is a growing crime in our country. Each day, thousands of people become victims of identity theft. Identity theft occurs when someone steals your personal information and uses it to establish credit, charge items, or borrow money using your name.
Protect your Identity
Protect and properly dispose of your account records and other documents containing personal or financial information.
Do not disclose your Debit / Credit card number or account information to suspicious calls, emails or voice mails that report problems with your account or threaten to suspend your account.
Do not share your social security number, account information, passwords, user IDs, PINs or other confidential information with others.
Do not provide confidential information over the phone or through the Internet unless you know the party you are dealing with.
Review your monthly statements and report any suspicious activity.
Review your credit file every year and make certain the information is correct