Foss Financial Services (“FFS”) recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. FFS will not disclose your personal information to anyone unless it is required by law or at your direction. We will not sell your personal information.
We want our clients to understand what information we collect, how we use it, and how we protect it responsibly.
Why We Collect Your Information
We gather information about you so that we can:
- Help design and implement financial, retirement, and estate planning related services (“Services”) we provide you; and
- Comply with the Federal and State laws and regulations that govern us.
While using our Services, we may ask you to provide us with certain personally identifiable information (“Personal Data”). This Personal Data may include the following types of “nonpublic personal information” about you:
- Information from our initial meeting or subsequent consultations about your identity, such as your name, address, social security number, date of birth, and financial information.
- Information that we generate to service your financial needs.
- Information that we may receive from third parties with respect to your financial profile.
- Information we receive from you on applications or other forms (e.g. insurance applications, new account forms, and other forms and agreements)
What Information We Disclose
When you provide information to us, we may share your information, to the extent provided by applicable law, with our affiliated companies and third parties for the purpose of fulfilling your requests as well as offering you other services that may be of interest to you. It is not shared with any third party, unless requested by you or permitted by law. Under no circumstance will we sell your information or transfer your information to any ad network, ad exchange, data broker or other advertising or monetization related service.
We may also aggregate statistics that we gather about our customers, sales, traffic patterns and services, and provide these statistics to third parties; however, when we do, these statistics will not include any personal information that identifies individuals. For example, Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.
FFS will not disclose any personal information about you or your account(s) to any other party not affiliated with our Services unless one of the following conditions is met:
- We receive your prior written consent; or
- We have documentation that the recipient is your authorized representative; or
- We are required by law to disclose information to the recipient
Customer Rights Under CCPA
Under the California Consumer Privacy Act (CCPA), California residents have specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
- Access to Specific Information and Data Portability Rights:
- You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.
- Deletion Request Rights:
- You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.
- Personal Information Sales Opt-Out and Opt-In Rights:
- You have the right to opt out of the sale of your personal information. We do not sell personal information.
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by contacting us at the information provided below.
How we Protect Your Personal Information
Privacy has always been important to FFS. We restrict and limit access to client information only to those who need to carry out their business functions. We educate employees about safeguarding client information and maintain a variety of security measures to protect against the loss, misuse and alteration of information under our control. Although we make good-faith efforts to maintain the security of such information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining this information. We assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any information provided to us.
Links to Other Sites
Our Services may contain links to other sites that we do not operate. If you click on a third-party link, you will be directed to that third-party’s site. We strongly advise you to review the privacy policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
Minor’s Privacy
Our Services do not address anyone under the age of 18 (“Minor(s)”). We do not knowingly collect personally identifiable information from Minors. If you are a parent or guardian and you are aware that your Minor has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.
Handling of ‘Do Not Track’ Signals
The California Online Privacy Protection Act provides that a website operator must: “Disclose how the operator responds to web browser ‘do not track’ signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services, if the operator engages in that collection.”
It is important for you to know that we do not engage in the type of collection referenced in the California law.
Changes to This Privacy Policy
We may update this Policy from time to time. You are advised to review this Policy periodically for any changes. Changes to this Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy, please contact us.