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Privacy Policy Wealth Management

Plante Moran Financial Advisors Consumer Privacy Notice

CONSUMER PRIVACY NOTICE

Protecting your privacy is important to us. We want our customers to understand what information we collect and how we use it. We will continue to adhere to the privacy policies and practices described in this notice even after your account is closed or becomes inactive. We may amend our policy at any time, and will inform you of any changes as required by law.

FACTS

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?
The types of personal information we collect and share depend on the services you receive from us. This information can include:

  • Your Social Security number and investment experience
  • Account balances and assets
  • Account transactions and transaction history

How?
All financial companies need to share customer personal information to run their everyday business. In the section on the next page, we list the reasons financial companies can share their customers’ personal information, the reasons Plante Moran Financial Advisors, LLC chooses to share, and whether you can limit this sharing.

 

Reason we can share your personal information chart

WHAT WE DO

How does PMFA protect my personal information?

 

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Third parties that provide support services on our behalf may also receive personal information about you, and we require that they adhere to confidentiality standards with respect to any such information.

How does PMFA collect my personal information?

We collect your personal information, for example, when:

  • You enter into an investment advisory contract
  • We assist you with opening an account at a qualified custodian/brokerage firm
  • We prepare financial independence projections
  • You direct us to buy securities or direct us to sell your securities
  • You seek advice about your investments

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes, information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)

What happens when I limit sharing for an account I hold jointly with someone else?

Unless specified otherwise, an opt-out request will extend to all accounts in your client relationship. Examples include accounts owned jointly with your spouse, related revocable trust accounts, and minor children’s UTMA accounts. Related accounts with other owners or signatories will not be affected, for example, an irrevocable trust with a trustee other than you.

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies with a Plante & Moran name and other financial companies such as P&M Corporate Finance.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

PMFA does not share with nonaffiliates so they can market to you. PMFA may share information with nonaffiliates that assist us with servicing your accounts, such as securities broker-dealers, custodians, and service providers that assist us with information transfers. PMFA may share information with joint account holders and those with whom you have consented to our sharing your information, such as tax advisers, attorneys, and bank officers.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
PMFA doesn’t jointly market.

STATE LAW

You may have other privacy protections under state law. Our information sharing procedures will comply with all applicable state laws. Residents of certain states may receive additional information concerning use and sharing of information.
California: In accordance with California law, we will not share information we collect about you with companies outside of PMFA, unless the law allows. We will limit sharing among our affiliated entities to the extent required by California law.

QUESTIONS?

If you have any questions regarding this notice or how to opt out of any information sharing with our affiliates, please contact either your Relationship Manager or our compliance department at 248.223.3756 or 248.223.3720.

SOLICITATION AND MARKETING BY AFFILIATES

Plante Moran Financial Advisors is providing you with this notice regarding solicitation and marketing by entities affiliated with us.
Federal law provides you the right to limit marketing from our affiliates. As such, we are providing you with this notice to inform you about your choice to limit marketing from our affiliates.

You may limit our affiliates in P&M Holding Group, LLP (Plante & Moran), such as our insurance services, trust company, and investment banking affiliates, from marketing their products or services to you based on your personal information that we collect and share with them (“opt-out”). This information includes your personal contact information such as telephone number and address. It may also include your e-mail address.

Your choice to limit marketing offers from our affiliates will remain effective until you instruct us in writing to the contrary. After consultation with you, should it be determined that an affiliate can provide services you require, your decision to opt-out will not restrict us from recommending an affiliate entity to you. If you have multiple account relationships with PMFA and elect to “opt-out,” this election will extend to all your account relationships with PMFA unless you specify differently.

To limit marketing offers or to “opt out,” please contact us:

By telephone: Compliance Department 248.223.3756 or 248.223.3720

On the Web: wealth.plantemoran.com

By mail: Check the box, print your name, and send to:

Plante Moran Financial Advisors, LLC

Attn: Compliance Department

27400 Northwestern Highway

P.O. Box 307

Southfield, MI 48037‐0307

Do not allow your affiliates to use my personal information to market to me.

Name: _______________________________________________ (please print)

 

Relationship Manager: _______________________________________________

Up Next

Plante Moran Insurance Agency Services (PMIA) Consumer Privacy Notice

Protecting your privacy is important to us. We want our customers to understand what information we collect and how we use it. We will continue to adhere to the privacy policies and practices described in this notice even after your account is closed or becomes inactive. We may amend our policy at any time, and will inform you of any changes as required by law.

FACTS

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product we provide to you or the services you receive from us. This information can include:

  • Social Security number and investment experience
  • Account balances and assets
  • Account transactions and transaction history

How?
All financial companies need to share customer personal information to run their everyday business. In the section on the next page, we list the reasons financial companies can share their customer’s personal information, the reasons Plante Moran Insurance Agency Services, LLC chooses to share, and whether you can limit this sharing.

Reason we can share your personal information chart 

WHAT WE DO

How does PMIA protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Third parties that provide support services on our behalf may also receive personal information about you, and we require that they adhere to confidentiality standards with respect to any such information.

How does PMIA collect my personal information?

We collect your personal information for example, when:

  • You submit an insurance application and any related documentation
  • We assist you with review of estate planning
  • You seek advice about your insurance needs

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)

What happens when I limit sharing for an account I hold jointly with someone else?

Unless specified otherwise, an opt-out request will extend to all accounts in your client relationship. Examples include accounts owned jointly with your spouse, related revocable trust accounts, and minor children’s UTMA accounts. Related accounts with other owners or signatories will not be affected, such as, an irrevocable trust with a trustee other than you.

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies with a Plante & Moran name and other financial companies such as P&M Corporate Finance.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

PMIA does not share with nonaffiliates so they can market to you. PMIA may share information with nonaffiliates that assists us with servicing your accounts, such as securities broker-dealers, custodians, and service providers that assist us with information transfers. PMIA may share information with joint account holders and those with whom you have consented to our sharing your information, such as tax advisers, attorneys, and bank officers.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

PMIA doesn’t jointly market.

STATE LAW

You may have other privacy protections under state law. Our information sharing procedures will comply with all applicable state laws. Residents of certain states may receive additional information concerning use and sharing of information.

California: In accordance with California law, we will not share information we collect about you with companies outside of PMIA, unless the law allows. We will limit sharing among our affiliated entities to the extent required by California law.

For insurance customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, and VA only. The term "information" in this part means customer information obtained in an insurance transaction. We may give your information to state insurance officials, law enforcement, group policy holders about claims experience, or auditors as the law allows or requires. We may give your information to insurance support companies that may keep it or give it to others. We may share medical information so we can learn if you qualify for coverage, process claims or prevent fraud or if you say we can.

To see your Information, write Plante Moran Insurance Agency Services, Attn: Data Request 27400 Northwestern Highway P.O. Box 307 Southfield, MI 48037-0307. You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail you a copy for a fee. If you think any information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.

For MA insurance customers only. You may ask in writing the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate, or terminate your coverage.

QUESTIONS?
If you have any questions regarding this notice or how to opt-out of any information sharing with our affiliates, please contact our compliance department at 248.223.3756 or 248.223.3720.

SOLICITATION AND MARKETING BY AFFILIATES

Plante Moran Insurance Agency Services, LLC is providing you with this notice regarding solicitation and marketing by entities affiliated with us.
Federal law provides you the right to limit marketing from our affiliates. As such, we are providing you with this notice to inform you about your choice to limit marketing from our affiliates.

You may limit our affiliates in P&M Holding Group, LLP (Plante & Moran), such as our investment management services, trust company, and investment banking affiliates, from marketing their products or services to you based on your personal information that we collect and share with them (“opt-out”). This information includes your personal contact information such as telephone number and address. It may also include your e-mail address.

Your choice to limit marketing offers from our affiliates will remain effective until you instruct us in writing to the contrary. After consultation with you, should it be determined that an affiliate can provide services you require, your decision to opt-out will not restrict us from recommending an affiliate entity to you. If you have multiple account relationships with PMIA and elect to “opt-out,” this election will extend to all your account relationships with PMIA unless you specify differently.

To limit marketing offers or to “opt out”, please contact us:

By telephone: Compliance Department 248.223.3756 or 248.223.3720

On the Web: wealth.plantemoran.com

By mail: Check the box, complete the form below, and send to:

Plante Moran Insurance Agency Services, LLC

Attn: Compliance Department

27400 Northwestern Highway

P.O. Box 307

Southfield, MI 48037-0307

Do not allow your affiliates to use my personal information to market to me.

Name:

Name of Relationship Manager:

Up Next

EU – US Privacy Shield Privacy Policy

Introduction
Plante & Moran, PLLC and its affiliated entities, collectively (“Plante Moran”), provides assurance, tax, and/or consulting services to private and publicly-traded businesses as well as to individuals. In doing so, Plante Moran may receive personal information from or concerning individuals in the European Union (EU) from its clients and potential clients. Protecting the privacy of its clients and staff is among Plante Moran’s core objectives.  

Plante Moran complies with the EU-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union to the United States.  Plante Moran has certified to the Department of Commerce that it adheres to the Privacy Shield Principles.  If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern.  To learn more about the Privacy Shield program, and to view our certification, please visit 
https://www.privacyshield.gov/.

Definitions
“Personal Information” means information that (i) is transferred to Plante Moran’s United States’ office from the European Union; (ii) is recorded in any form; (iii) is about, or pertains to, a specific individual; and (iv) can be linked to the at individual.

1. Notice
Plante Moran notifies individuals about the purposes for which it collects and uses Personal Information about them, how to contact us with any inquiries or complaints, the types of third parties to which we may disclose the information, and the choices and means we offer individuals for limiting the use and disclosure of this information.  If you provide information to us, we will only use that information to contact you about our company and our services.  We will not sell or provide your information to any third party.  By submitting your personal information to us, via our website contact form or otherwise, you are consenting only to us sharing your personal information within Plante Moran and its affiliate entities which also complies with the EU-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce.  Plante Moran provides notice in clear and conspicuous language at the time you provide such information to Plante Moran or as soon as practicable thereafter.  When Plante Moran receives personal information from its clients, it uses such information consistent with the notices provided by such clients that initially collected the information and the choices made by the individuals from whom the information was collected and in accordance with the principles of the Privacy Shield.  Plante Moran only uses this personal information to assist its clients.

2. Choice
Individuals  do not need to send us any personal information and will have the opportunity to choose (opt-out) whether their personal information is to be disclosed to a third party or used for a purpose other than the purpose for which it was originally collected. In order for you to access certain specialized services and/or to purchase products offered by Plante Moran, we may require you to provide us with Personal Information. Plante Moran’s use of any Personal Information will be solely for the purpose for which the information was originally collected. 

3. Onward Transfers
Prior to disclosing Personal Information to a third party, Plante Moran will notify you of such disclosure and allow you the choice of opting out, unless such disclosure is necessary to: (a) comply with a court order or other legal process; or (b) protect our rights or property. In those instances where you have consented to the disclosure of your Personal Information to a third party acting as an agent, Plante Moran agrees to take steps to confirm that any third party to whom Personal Information may be disclosed subscribes to the Privacy Shield Principles set forth herein or are subject to legal requirements that provide the same level of privacy protection as is required by the Privacy Shield Principles and agrees in writing to provide an adequate level of privacy protection. Plante Moran does not share data with non-agent third parties. In cases of onward transfers to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, Plante Moran is potentially liable, unless Plante Moran proves that it is not responsible for the event giving rise to the damage. Plante Moran may be required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet a national security or law enforcement request.

4. Access
Plante Moran agrees to allow an individual access to their Personal Information and, if an individual becomes aware that information we maintain about that individual is inaccurate, or if an individual would like to update or review his or her information, the individual may contact us using the contact information below. Plante Moran will take reasonable steps to correct, or amend Personal Information that is demonstrated to be inaccurate. We may limit or deny access to Personal Information where providing such access would be unreasonably burdensome or inappropriate under the circumstances. All requests to access or change Personal Information will be handled in accordance with applicable legal requirements. Plante Moran will also take reasonable steps to delete or de-identify Personal Information once it is determined to be no longer relevant for the purpose for which the Personal Information was obtained.

5. Security
The security of Personal Information is important to us. We follow generally accepted industry standards to protect the Personal Information submitted to us, both during transmission and once we receive it. To prevent unauthorized access or disclosure, maintain data accuracy, and provide for the appropriate use and confidentiality of information, Plante Moran has put in place appropriate physical (e.g., key card office entry, locking doors), technical (e.g., password protection, network firewalls, laptop encryption, authentication mechanisms), and administrative procedures (e.g., confidentiality agreements, training, procedures that limit access to and use of data) to safeguard and secure the information we process. However, no method of transferring data over the Internet or storing electronic data is completely secure. Therefore, while we strive to use reasonable and appropriate means to protect Personal Information, we cannot guarantee absolute security.

6. Data Integrity
We process Personal Information only in ways compatible with the purpose for which it was collected or subsequently authorized by the individual. To the extent necessary for such purposes, we take reasonable steps to make sure that Personal Information is accurate, complete, current, and otherwise reliable with regard to its intended use.

7. Enforcement 
Plante Moran utilizes the self-assessment approach to assure its compliance with this Privacy Statement Regarding Transfers of Personal Information between the EU and the United States (“Privacy Statement”).  We periodically verify that the Privacy Statement is accurate, comprehensive for the information intended to be covered, prominently displayed, implemented as intended, and otherwise in conformity with applicable laws. In compliance with the Privacy Shield Principles, Plante Moran commits to resolve complaints about our collection or use of your personal information.  European Union individuals with inquiries or complaints regarding our Privacy Shield policy should first contact Plante Moran at:

            
privacy.questions@plantemoran.com

Plante Moran has further committed to refer unresolved Privacy Shield complaints to the American Arbitration Association, an alternative dispute resolution provider located in the United States. If you do not receive timely acknowledgment of your complaint from us, or if we have not resolved your complaint, please contact or visit American Arbitration Association for more information or to file a complaint.  The services of American Arbitration Association are provided at no cost to you. Additionally, under certain conditions, individuals may invoke binding arbitration for complaints regarding Privacy Shield compliance not resolved by any of the other Privacy Shield mechanisms.  For additional information regarding binding arbitration following this link: 
https://www.privacyshield.gov/article?id=ANNEX-I-introduction

Plante Moran is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC) with respect to its compliance with the EU-US Privacy Shield

Privacy Policy Changes
Plante Moran reserves the right, at any time and without notice, to add to, change, update or modify this Privacy Policy, simply by posting such change, update or modification on its website. Any such change, update or modification will be effective immediately upon posting on the website unless otherwise indicated. 

Information Subject to other Policies Plante Moran is committed to following all applicable laws and regulations concerning privacy of personal information, including the U.S. Department of Commerce Privacy Shield Principles. Certain information including personal information is subject to policies of the firm that may differ in some respects from the general policies set forth in this statement but provide no less privacy protection in any material respect. For example, personal information obtained from or relating to clients or former clients is further subject to the terms of any contractual arrangements with the client, and applicable laws and professional standards. Personal information of Plante Moran personnel is subject to internal personnel privacy policies, which are available to such personnel. In addition, other Plante Moran Web sites may have their own privacy policies, accessible on their respective Web sites, regarding the collection and use of personal information through those Web sites. 

US-Swiss Safe Harbor
Plante Moran complies with the US-Swiss Safe Harbor Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from Switzerland.  Plante Moran has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement.  If there is any conflict between the policies in this privacy policy and the Safe Harbor Privacy Principles, the Safe Harbor Privacy Principles shall govern.  To learn more about the US-Swiss Safe Harbor and to view our certification page, please visit 
http://www.export.gov/safeharbor/

In compliance with the US-Swiss Safe Harbor Principles, Plante Moran commits to resolve complaints about your privacy and our collection or use of your personal information.  Swiss citizens with inquiries or complaints regarding this privacy policy should first contact Plante Moran at:

Plante & Moran, PLLC
27400 Northwestern Hwy
Southfield, MI 48084
privacy.questions@plantemoran.com

Plante Moran has further committed to refer unresolved privacy complaints under the US-Swiss Safe Harbor to an independent dispute resolution mechanism operated by the American Arbitration Association. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit www.americanarbitrationassociation.com for more information and to file a complaint.