Important Privacy Choices for Consumers – Updated: February 2016
When you become our client, you entrust us with more than just your money. You also give us your personal information, and we want you to know. The Financial Coaching Group/Michael L. Stokes is committed to safeguarding that information. That is why we hold in the strictest confidence all the personal information you give us. We do not sell, rent or trade any client information to other companies. This policy statement takes the place of any previous privacy policies issued by The Financial Coaching Group/Michael L. Stokes and is subject to change.
The kinds of information we collect:
If you open an investment account or apply for insurance: We ask you to provide information about your financial status, such as employment, income, monthly expenses and assets, as well as identifying information such as your address, telephone number and Social Security number. In most cases, you give us this information yourself, in person, on the phone or by mail, or through a Web site. If you apply for insurance: We ask you to provide information relevant to underwriting the specific insurance product. This information, such as your health or driving record, is not used for any purpose other than to provide the service and insurance applied for.
Once you become a client: We maintain information about your investment transactions including account balances and securities holdings.
How we use this information:
The information we collect is used to help us deliver the services you’ve requested. It may also permit us to design and offer specific products and services that we believe will be useful to you and other clients.
Who has access to this information:
The Financial Coaching Group/Michael L. Stokes: The Financial Coaching Group/Michael L. Stokes employees are permitted access to the information they need to perform their jobs on your behalf. We maintain strict internal policies against unauthorized disclosure or use of client information by employees.
Companies or individuals that you ask us to share with:
At your request, we will also share information with your attorney, accountant, tax preparer, trustee or anyone who represents you in a fiduciary capacity. The Financial Coaching Group/Michael L. Stokes will get your permission prior to sharing your information with an outside person or firm. Information shared will apply only to the specific purpose to which you consent.
Outside service providers:
Courts, regulatory and government bodies:
Certain federal and state laws may require us to share information about you with courts, regulatory bodies and other governmental agencies. For example, if you are involved in a legal matter with a third party, we may be ordered to provide information to a court or other party. In these circumstances, only the specific information required by law, subpoena, or court order will be shared. If permissible, we may notify you as a courtesy.
Information Collected by Server Logs:
If you do nothing during your visit but browse through the Web site, read pages, or download information, we will gather and store certain information about your visit automatically. This information does not identify you personally. We automatically collect and store only the following information about your visit. Your computer’s Internet Protocol (IP) address. (An IP address is a number that is automatically assigned to your computer whenever you go on the Web.) The domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account). The Internet address of the Web site, if any, from which you came to our site. The date and time you arrived at our site and how long you spent visiting the site. The name and version of your computer’s operating system and browser: for example, for example, Windows Explorer/Apple Safari/Google Chrome (this information is supplied automatically by your computer). The pages you visit. We use this information to help us make the site more useful to visitors – to learn about the number of visitors to our site and the types of technology our visitors use. Unless it is specifically stated otherwise, no additional information will be collected about you.
Notification of Changes:
How we protect your information:
The Financial Coaching Group/Michael L. Stokes has always considered the protection of sensitive information to be a sound business practice and a foundation of customer trust. We employ extensive information protection controls in keeping with industry standards and practices, and we regularly adapt these physical, electronic, and procedural controls to respond to changing requirements and advances in technology. Papers or documents that contain your personal information are maintained in our secure offices. Our computer systems are designed to ensure that your information is not placed at risk. Before we discard any papers or documents that contain personal information about you, we first shred that material through a secure destruction operation. Our trash is kept in secure facilities prior to destruction and removal.
How The Financial Coaching Group/Michael L. Stokes uses email:
The Financial Coaching Group/Michael L. Stokes generally will not send unsolicited emails asking for personal or account information, such as Social Security numbers or account numbers. In most instances, we will not send you emails unless you have initiated an email dialogue with us; you have previously requested us to communicate with you in this manner; and/or the email is about your relationship with The Financial Coaching Group/Michael L. Stokes.
How The Financial Coaching Group/Michael L. Stokes uses facsimile:
We will only send a fax to you if you have authorized this form of communication by giving us your fax number.
Access to Your Information:
How to limit information sharing and marketing:
If you prefer, you may direct us not to share personal information about you that is not publicly available. By “Opting-Out”, you restrict the use of your personal information in any activities conducted by our affiliates or outside service providers. This exclusion does not apply, however, to any affiliates with which you currently do business or if you ask to receive information or offers from them. The following are ways you can “opt-out”:
You can write to us at:
The Financial Coaching Group
Michael L. Stokes
100 Spectrum Center Drive, 9th Floor
Irvine, CA 92618
Note: Please include your name, address (including ZIP code), telephone number and the last four digits of your Social Security number with the request. Incomplete information will delay, or possibly prevent, our ability to honor your request.
You can call 949-600-6060
An opt-out request is processed within 10 days of receipt. This process usually occurs instantly.
Clients who have previously opted out:
If you have already submitted a request to opt-out of information sharing and marketing, there is no need to opt-out again. This designation is permanent and can only be removed with a written client request.
Government Information on Privacy:
For other information on privacy and protecting yourself from identity theft, visit www.consumer.gov, a Web site sponsored by the U. S. Government.
Where to find out more:
If you have questions, concerns or comments about our privacy practices or the way your information is maintained and used, we’d like to hear from you. Please write to us.