Privacy Policy
Toews (“we”) are committed to maintaining the trust and confidence of our customers (“you”). We want you to understand how we protect your privacy when we collect and use your non-public personal information (“personal information”) in the course of business, as well as the measures we take to safeguard your personal information. Keeping your personal information private is our priority.
Information We Collect
While providing service to you, we collect personal information from the following sources:
- Account Applications and Forms: Information such as your name, address, Social Security number, assets, types and amounts of investments, transactions, and income.
- Your Transactions: Information regarding your account balance, payment history, parties to transactions, types and amounts of investments, and transactions.
- Consumer Reporting Agencies: Information concerning your creditworthiness and credit history.
- Third Parties: Information obtained from your current or past employers or other institutions with which you conduct financial transactions.
- Financial Services Companies: Information shared with associated Registered Investment Advisors, Broker-Dealers, Banks, and Credit Unions pursuant to service agreements.
How We Protect Your Information
Keeping your information secure is one of our most important responsibilities. We restrict access to your personal information and maintain physical, electronic, and procedural safeguards that comply with applicable law to protect your personal information. We train our employees in the proper handling of personal information. When we use other companies to help provide our services to you, we require them to protect the confidentiality of personal information they receive.
Disclosing Personal Information to Non-Affiliated Third Parties
We do not sell, share, or disclose your personal information to non-affiliated third-party marketing companies, except personal information we share with other financial institutions pursuant to service agreements we enter into with them.
We may disclose some or all of the information we collect, only to provide services as allowed by applicable law or regulation. These third parties are not permitted to share or use the information for any other purpose. To the extent that applicable state laws grant you greater protection in connection with our sharing of your personal information, we will comply with those laws. We may also disclose your personal information as permitted or required by law. These disclosures may include, for example, information to process transactions on your behalf, to conduct our operations, to follow your instructions as you authorize, or to protect the security of your financial records.
Your Privacy Rights
- Right to Access and Correction: You have the right to access the personal information we hold about you and request corrections if necessary. Please contact us to exercise this right.
- California Consumer Privacy Act (CCPA): If you are a California resident, you have specific rights under the CCPA, including the right to know what personal information we collect, the right to request the deletion of your personal information, and the right to opt-out of the sale of your personal information. We do not sell your personal information to third parties, but you may exercise your rights by contacting us at the address provided below.
- Affirmative Consent (for Certain States): If your primary address is in a state that requires your affirmative consent before we can disclose your personal information (such as California or Vermont), we will obtain your written consent before sharing your personal information with a new financial institution. You can withdraw your consent at any time by contacting us at the address provided below.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the nature of the information and the purposes for which it is processed.
Data Breach Notification
In the event of a data breach that compromises the security of your personal information, we will promptly notify you in accordance with applicable federal and state laws. We will also take appropriate steps to mitigate any potential harm and to prevent future breaches.
Children’s Privacy
Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently received personal information from a child under 13, we will delete such information from our records.
If Your Relationship with Us Ends
If our relationship with you ends, we will continue to treat and protect your personal information in accordance with this Privacy Notice. That means that we may continue to share your personal information with our associated entities and affiliates as previously described or as permitted by law. However, if you notify us of your election not to have us share your personal information with others before or after your relationship with us ends, we will honor that request.
Contact Us
Should you have any questions regarding this Privacy Policy or your privacy rights, please contact Toews at 1-877-863-9726 or email complianceteam@toewscorp.com. You may also mail your inquiries to 1750 Zion Road, Suite 201, Northfield, NJ 08225.