Carrano Financial Planning, LLC

Privacy Policy

 

CRD # 287989

 

 

 

Privacy Notice

Privacy Notice

 

At Carrano Financial Planning, LLC maintaining our client’s trust and confidence is of paramount importance. We are committed to safeguarding your personal information and providing you with facts and options about how your information may be shared.

 

Please read this notice to learn more about our privacy policies and the options available to you. This notice describes the privacy policies of Carrano Financial Planning, LLC

 

The privacy policies apply to individual and corporate clients that obtain or apply for financial, health products, or consulting services or who receive service related to personal, business, or household purposes or have done so in the past.

 

Our Privacy Standards

Our Privacy Standards

 

  1. We do not sell client information.

 

  1. We do not provide client information to persons or entities outside of Carrano Financial Planning, LLC who are doing business for their own marketing purposes.

 

  1. We afford prospective clients and former clients the same protections as existing clients with regard to the use of personal information.

 

If you are satisfied with the way that your personal information is collected and shared, you do not need to take any action at this time. This notice replaces all previous statements on our consumer Privacy Policy, and may be amended at any time. We will provide you with annual reminders of our policies and with revised policies if there are any changes in how we handle your personal information. If you have any questions about this Privacy Policy, you may call us at (925) 457-0275.

I. Information We Collect

I. Information We Collect

 

As part of providing you with our services, we obtain nonpublic, personal information about you, which may include the following:

 

  1. Information that you provide on applications, questionnaires, subscription documents, or other forms including name, address, social security number, assets, spending habits, investment objectives, financial goals, statements of account, and other records concerning your financial plan interests, wills, trusts, mortgages, tax returns, and income.

 

  1. Information about your transactions with us, our affiliates, or others (e.g. custodians, clearing firms, or other chosen investment providers, record keepers, and insurance providers) such as balances, payment history, parties to transactions, and account usage.

 

  1. Information about you from other IPS Advisors affiliates, credit reporting agencies, and other third parties such as your credit worthiness, credit history, and other information.

 

 

II. Information We Share

II. Information We Share

 

We use or share information in a limited and carefully controlled manner. We use or share your information in order to identify and protect you against fraud, enable us to complete transactions quickly and efficiently, and determine the right to services to meet your needs and to provide you with proper client service. Examples of client information that we may share include:

 

  1. Information that you provide on applications, questionnaires, subscription documents, or other forms including name, address, social security number, assets, spending habits, investment objectives, financial goals, statements of account, and other records concerning your financial plan interests, wills, trusts, mortgages, tax returns, and income.

 

  1. Information about your transactions with us, our affiliates, or others (e.g. custodians, clearing firms, or other chosen investment providers, record keepers, and insurance providers) such as balances, payment history, parties to transactions, and account usage.

 

  1. Information about you from other Carrano Financial Planning, LLC affiliates, credit reporting agencies, and other third parties such as your credit worthiness, credit history, and other information. Depending on the type of relationship you may have with Carrano Financial Planning, LLC we may share information with other affiliates as well as unaffiliated third parties.

 

II a. Sharing Information with Third Parties

II a. Sharing Information with Third Parties Not Affiliated with Carrano Financial Planning, LLC

 

 

We disclose information to unaffiliated third parties as required or permitted by law. Be assured that whatever the reason for sharing your personal information, we take steps to assure that those parties respect your privacy by limiting the use of the information to the purpose for which it was disclosed. These unaffiliated third parties may include:

 

  1. Companies that perform services to your account that we do not provide ourselves. Such services may include account valuation, preparation of account statements, determination of fees, and printing services.

 

  1. Companies that will help protect your account from fraud.

 

  1. Companies that provide services necessary to effect a transaction you request or to service your account.

 

  1. Government agencies, courts, parties to lawsuits, or regulators in response to subpoenas. In such cases, we share only the information that we are required or authorized to share.



III. Confidentiality and Security

III. Confidentiality and Security

 

The security of your account is important to us. Only those persons who need your information to perform their job have access to it. In addition, we maintain physical, electronic, and procedural security measures that comply with California state regulations to protect your information.

 

IV. Former Clients

IV. Former Clients

 

We will continue to adhere to the policies and procedures described in this notice for former clients of Carrano Financial Planning, LLC.

V. Changes to Our Privacy Policy

V. Changes to Our Privacy Policy

 

In the unlikely event there were to be a change to this Policy that would permit or require additional disclosures of your confidential information, we will provide written notice to you, and you will be given the opportunity to direct us as to whether such disclosure is acceptable. If you have questions about this Privacy Policy, please contact us at (