Protecting your privacy is a top priority of The Capital Choice Financial Services, Inc. (CCFS) and its affiliates (“Affiliates”). We value the confidence you have placed in us and are committed to ensure that the client information we maintain about you is safeguarded. This Privacy Notice (“Notice”) explains how CCFS and its Affiliates (see the list below) collect, share and protect your personal information, and gives you valuable information on the choices you have about how we use your information. Any privacy choices you made prior to this Notice will remain in effect until revoked by you.
We call all personal non-public information described in this Notice “Client Information”. This Client Information may include the following depending on the product:
(1) Information we receive from you on applications or other forms when you open an account, register for one of our products or services, or accept a promotional offer for a product or service from us or companies related to us through common ownership or control (“Affiliates”), including: your name, address, Social Security number, phone number, email address, assets, income, financial goals, investment objectives, motor vehicle information and health information for insurance applications.
(2) Information about your transactions with us, our Affiliates or others such as your account balance, payment history, parties to transactions, health care information, claims history, and use of other products and services.
Some of the Affiliates of CCFS are required to maintain Client Information for specified periods of time. In those instances, we must comply with the applicable regulations.
We use Client Information for: (1) our everyday business purposes, such as processing transactions, maintaining your account, reporting to credit bureaus, providing financial advice, verifying your identity, and fulfilling legal and regulatory obligations; (2) our marketing purposes, namely to offer our products and services to you; and (3) joint marketing with other companies.
We may disclose any of the categories of Client Information when required or permitted by law. For example, we may be required to disclose Client Information to cooperate with law enforcement and other federal authorities, comply with regulatory requirements, to resolve client disputes, or to perform credit checks and authentication procedures to prevent fraud.
We will not sell your Client Information to anyone, and we restrict access to your Client Information to only those authorized persons who need to know that information for business purposes. In addition, we maintain physical, electronic and procedural safeguards to protect your Client Information at all times.
We may share Client Information with our Affiliates, in order to (1) provide financial advice and information to help you meet your financial goals; (2) service your account; and (3) offer our products and services to you.
The Client Information we share with Affiliates includes identification and contact information, and general information about your transactions and experiences with us. We do not share credit or financial information with our Affiliates for marketing purposes. You may direct us not to use your Client Information for this purpose, by calling a Compliance Professional at (706) 453-1995 and indicating Opt-Out Choice A.
We may share Client Information with non-affiliated third parties in very limited circumstances and we require them to safeguard this information and only use it for the agreed upon purpose which may include, but not limited to:
(1) To help us process transactions for your account; (2) To service your account or perform other business functions on our behalf, such as mail and print vendors; and (3) When we enter into a joint marketing agreement with another financial institution to provide financial products and services that we believe may be of benefit to you.
We do not share Client Information, except as described in this section, with non-affiliated third parties so they can market their products and services directly to you. However, we may use Client Information to send you marketing offers on behalf of selected non-affiliated third parties for products that they sell. If you respond to one of these offers, the other company will know certain information about you, such as: your name, that you are our client, and that you met the qualifications established for the offer. You may direct us not to use your Client Information for this purpose by calling a Compliance Professional at (706) 453-1995 and indicating Opt-Out Choice B.
This notice applies to The CCFS companies listed below:
Capital Choice Financial Services, Inc.
Capital Choice Financial Insurance Services, Inc..
Capital Choice Financial Services of Texas
Capital Choice Financial Group
CCFS version 10.2017 BR
Capital Choice Financial Services, Inc. (Capital Choice) represents various life and health insurance companies. Securities and/or investment advisory services, when properly licensed, offered solely through CoreCap Investments, Inc. Member FINRA/SIPC. CoreCap and Capital Choice are not affiliated. Additional products and services may be available through our associates or Capital Choice that are not offered through CoreCap. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative or Investment Advisor Representative. Read it carefully before you invest or send money. Representatives of CoreCap do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.