Effective Date: January 1, 2020
California Consumer Privacy Act of 2018 (CCPA)
Do we sell your information? NO
If you are a California resident, you have the right to opt-out of the sale of your personal information. TradePMR does not sell your personal information, therefore, there is no need for you to elect to “opt-out.”
Under the CCPA, California residents have the right to opt-out of the sale of their personal information. The CCPA defines the term “sale” broadly to include the selling, renting, releasing, disclosing, disseminating, making available, transferring or otherwise communicating of your personal information to another business or third party for monetary or other valuable consideration.
TradePMR will only share your information solely for the purpose of delivering you services for which you subscribe or request. If necessary, TradePMR will seek you or your advisor/agent’s affirmative, written permission.
Trade-PMR is committed to protecting the privacy and confidentially of your Nonpublic Personal Information. In this notice, the words “you” and “customer” are used to mean any individual who obtains or has obtained a financial product or service (Services) from Trade-PMR as a provider of Services that involve compiling personal and sometimes sensitive information. Protecting the confidentiality of that information continues to be a top priority for Trade-PMR. Whether you are a current, former, or potential customer, we believe that you should know about the information we collect, the measures we take to safeguard it, and the limited circumstances in which we may share your information.
We collect only the customer information necessary to consistently deliver our Services to you. The information we collect and the extent to which we use it will vary depending on the Services for which you subscribe or purchase. Trade-PMR collects information that helps us serve your financial needs, allowing us to provide a high level of customer service; develop and offer new Services for our customers and potential customers; and allowing us to fulfill any legal and/or regulatory requirements imposed on us. The information collected generally varies depending on the Services you subscribe to or purchase and may include, but are not limited to:
We restrict the sharing of customer information for use in marketing. First and foremost, we do not sell or share customer information with outside parties who want to market their products or services to you. We may disclose your Nonpublic Personal Information to companies with which we share common ownership and with third-party institutions with which we have joint marketing agreements. We have confidentiality agreements in place with such third-party institutions.
As a provider of a wide variety of Services, we may identify opportunities to enhance customer service or to offer you additional Services offered by Trade-PMR. However, we will not share information about you with others that could be used to make insurance underwriting or lending decisions about you, unless you direct us to or unless we notify you first and give you a chance to opt-out. In addition, we will not use certain Nonpublic Personal Information (such as income, account history or credit history) received from any affiliate in order to market its products or services to you unless you direct us to, or unless we notify you first and give you a chance to opt-out. Similarly, we will not share Nonpublic Personal Information with third-party financial services entities, such as banks, credit unions, credit union service corporations, insurance companies, or securities broker/ dealers, for purposes of joint marketing unless you direct us to, or unless we notify you first and give you a chance to opt-out.
We share customer information as necessary for business, regulatory, and servicing purposes. We will share customer information to facilitate or service a transaction you have requested, but only in accordance with all applicable federal and/or state laws. For example:
We will reaffirm this policy as required by law, as long as you maintain an ongoing relationship with Trade-PMR.
We recognize that your relationship with your Advisor is important. If you are a participant of an employer sponsored plan, your Advisor may be under an agreement that restricts the transfer of your personal information and/or your employer sponsored plan account to any new firm.