Privacy Policy

PagnatoKarp Notice of Privacy Policy

We have adopted this policy with recognition that protecting the privacy and security of the personal information we obtain about our customers is an important responsibility. To service you in an accurate and efficient manner, we must collect and maintain certain personal information about you. We want you to know what information we collect and how we use and safeguard that information. In accordance with the regulations and rules we are governed by, and we are required to provide this Privacy Policy Notice to all new and existing customers.

Information We Collect from You

We collect certain nonpublic personal identifying information about you (such as your name, address, social security number, date of birth, income, assets, investment preferences, etc.) from information that you provide on applications or other forms as well as communications (electronic, telephone, written or in person) with you or your authorized representatives (such as your attorney, accountant, etc.). We also collect information about your accounts and transactions (such as purchases, sales, account balances, inquiries, etc.), information to process transactions or to conduct online transactions.

Information from Third Parties

If needed, we may also obtain information from third parties. For example, we may obtain information from you to evaluate your application or verify your identity, including personal and credit information from consumer reporting agencies or information from other companies about contracts or accounts transferred to us.

Medical Information

We only collect medical information to assist you in the submission to an insurance company for purposes of underwriting life insurance or annuity products. We only share medical information within strict limits as allowed or required by law; such information is not shared for marketing purposes.

Information We Share

We share information only in a limited way to conduct business and provide service to customers, or as required by law. The law allows us to share the personal information listed above with our affiliated firms. We share this information to conduct routine business activities.

What Information We Disclose

We do not disclose the nonpublic personal information we collect about you to anyone except: (i) in furtherance of our business relationship with them and then only to those persons necessary to effect the transactions and provide the services they provide (such as broker-dealers, custodians, Money Managers, etc.); (ii) to persons assessing our compliance with industry standards (e.g., regulators, etc.); (iii) our attorneys, accountants, and auditors; or (iv) as otherwise provided by law. No nonpublic personal information is provided to outside firms for marketing purposes. We are permitted by law to disclose the nonpublic personal information about you to governmental agencies and other third parties in certain circumstances (such as third parties that perform administrative services on our behalf). These third parties are prohibited from using or sharing the information for any other purpose, and they are required by contract to maintain the confidentiality of your information. If you decide at some point to either terminate our services or become an inactive customer, we will continue to adhere to our privacy policy, as may be amended from time to time.

Safeguarding of Your Information

We restrict access to your nonpublic personal information to those employees who need to know that information to service your account. We train our employees to keep your information safe and confidential. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state standards.

Changes to Our Privacy Policy

Our Privacy Policy may change from time to time. We will provide you notice of any material change we make.

Opting Out of Disclosures

All financial companies need to share customers’ personal information to run their everyday business, such as to process your transactions or maintain your accounts. Currently, there is no ability to opt out of sharing information for our everyday business purposes or to respond to court orders and legal investigations.

For Questions, Please Contact Us

ATTN: Chief Compliance OfficerPagnato Karp Partners, LLC11951 Freedom Drive Suite 1260 Reston, Virginia 20190