Privacy Policies
COMMONWEALTH FINANCIAL NETWORK: SAFEGUARDING PRIVACY
Commonwealth recognizes the need to prevent unauthorized access to the information we collect, including information held in electronic format. Commonwealth authorizes access to your nonpublic personal information only to personnel who need that information to serve you or to conduct our operations. We maintain physical, electronic, procedural, and contractual safeguards regarding your nonpublic personal information to ensure that we comply with our own policy, industry practices, and federal and state regulations. And we train our employees in the proper handling of sensitive information. If you decide to close your account(s) or become and inactive customer, we will adhere to the privacy policies and practices as described in this notice.
PRIVACY POLICY OF ZELLER KERN PRIVATE WEALTH MANAGEMENT, INC.
Zeller Kern Private Wealth Management, Inc. collects personal information about you to help us serve your financial needs, provide customer service, offer new products or services, and fulfill legal and regulatory requirements. Any collection of personal information is to support our normal business operations and service your account.
Gathering Information
Some of the nonpublic personal, financial, non-financial, and health information Zeller Kern Private Wealth Management, Inc. collects comes from you. The sources and the information collected may include:
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information on applications and related forms such as name, address, date of birth, Social Security number, assets and income, (medical information if applying for insurance);
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information regarding your transactions with us such as, products or services purchased, account balances and payment history;
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information from consumer reporting agencies such as credit relationships;
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information from your employer, association or benefit plan sponsor such as name, address, Social Security number, assets and income.
Sharing Information
In the course of servicing your account, we may share information collected about our customers with Commonwealth Financial Network (the broker/dealer where your accounts are maintained), and other unaffiliated service providers such as insurance companies, mutual fund companies, banks, broker dealers or investment firms to provide account maintenance or customer service to your account. We may also disclose your information to other organizations such as government agencies and law enforcement officials as required by law.
If your servicing advisor leaves Zeller Kern Private Wealth Management, Inc., the advisor may retain copies of your personal information so he or she can continue to serve you at their new firm. In doing so, your advisor may share your information with the new firm, but is otherwise required to keep confidential the personal information obtained from you while the advisor was affiliated with Zeller Kern Private Wealth Management, Inc., and he or she may only use it for the purpose of providing services to you.
Opting In
If you live in an “opt-in” state, where we are required to obtain your affirmative consent to share your nonpublic personal information with unaffiliated third parties who do not currently assist us in servicing you, we will obtain your consent before we allow your advisor to take your information with him or her should your advisor leave Zeller Kern Private Wealth Management, Inc. Please note: You can withdraw your consent at any time, by contacting us at 916‑436‑8270.
Opting Out
If you live in an “opt-out” state and do not want your advisor to take your information with him or her should your advisor decide to leave Zeller Kern Private Wealth Management, Inc. in the future, you have the right to opt out of such disclosure. If you wish to opt out, now or at any time in the future, please contact us at 916‑436‑8270.
Safeguarding Privacy
Zeller Kern Private Wealth Management, Inc. recognizes the need to prevent unauthorized access to the information we collect, including information held in electronic format. Zeller Kern Private Wealth Management, Inc. authorizes access to your nonpublic personal information only to personnel who need that information to serve you. Zeller Kern Private Wealth Management, Inc. maintains physical, electronic, and procedural safeguards to guard your nonpublic personal information to ensure we are complying with our own policy, industry practices, and federal or state regulations. If you become an inactive customer, we will continue to adhere to the privacy policies and practices as described in this notice.
Zeller Kern Private Wealth Management, Inc. does not sell, share, or disclose your nonpublic personal information to unaffiliated third-party marketing companies.
Questions
You do not have to contact us to benefit from our privacy protections; they apply automatically to all of our customers and former customers. If you have any questions after reading this privacy policy, we encourage you to contact us at 916‑436‑8270.