Nations Capital (together, “Nations”) understand that confidentiality and the protection of your privacy are important elements of your business relationship with us. Nations has a policy of protecting the confidentiality and security of information we collect about our clients. Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your non-public personal information.
In addition, if you are a resident of California, please see our Additional Notice for California Residents, which provides additional information about our privacy practices.
Nations Collection of Personal Information
In order to provide financial services and products, Nations may collect certain non-public personal information about its clients. Non-public personal information refers to any personally identifiable financial information that is provided by a client to Nations, results from any transaction with the client or any service performed for the client or is otherwise obtained by Nations. The term also includes any list, description, or other grouping of clients (and publicly available information pertaining to them) that is derived using any non-public personal information that is not publicly available information.
The non-public personal information that we gather during the normal course of doing business with you may include: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.
Disclosure of Your Personal Information to Affiliates of Nations
In the course of providing financial advisory services to you, we may disclose the information described above between Nations Capital. We share information with our affiliates in order to provide you with the best possible service and to inform you of other services we believe may be of interest or value to you. You may prevent this type of sharing by calling us at 800-390-4750. If you are a new client, we can begin sharing your information 30 days from the date we sent this Privacy Notice. When you are no longer our client, we may continue to share your information as described in this Privacy Notice. However, you may contact us at any time to limit our sharing. If you limit sharing for an account you hold jointly with someone else, your choices will apply to everyone on your account. State laws may give you additional rights to limit sharing.
Disclosure of Your Personal Information to Certain Non-Affiliated Third Parties
We do not disclose any non-public personal information about our clients or former clients to anyone except as permitted or required by law, or as necessary to provide services to you. In accordance with Sections 248.13 through 248.15 of Regulation S-P, we may disclose all of the information we collect, as described above, to certain non-affiliated third parties such as, but not limited to, attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all non-affiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.
Electronic and Physical Safeguards
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information. We restrict access to non-public personal information about you to those employees who need to know that information to provide financial products or services to you.
Upon your written request, we can make available for your review any file we will maintain for your personal information.
If you have any questions about this Privacy Notice, please call us at 800-390-4750.
ADDITIONAL NOTICE FOR CALIFORNIA RESIDENTS
This Notice was last updated on January 1, 2020 (“Effective Date”).
This Privacy Notice applies to California consumers. We generally do not offer products or services directly to the general public. However, we obtain information that consumers provide when contacting us, including via email or by phone, and when you visit our websites. Information that we collect from individuals in their capacity as an owner, shareholder or guarantor of an entity applying for a loan in connection with the loan application process is subject to a separate privacy notice provided to those individuals.
Personal Information about California Consumers
We may collect from California consumers, or have collected from California consumers in the previous twelve months, the information listed below.
Identifiers, which include name, postal address, email address, unique personal identifiers, online identifiers, IP address, and other similar identifiers. We collect identifiers such as name, address and contact information in order to provide you with information about Nations Capital and its products and services. We may collect your IP address and unique device identifiers when you visit our websites;
The following categories of personal information described in California Civil Code § 1798.80(e): the Identifiers listed above; signature (if you correspond with us), and telephone number;
Internet or other electronic network activity information, including but not limited to, browsing history, search history, and information regarding your interaction with our websites;
Audio information from calls made to us, such as voicemails; Professional or employment-related information, in the form of business contact information; and Inferences drawn from the information we collect when you visit our websites.
We may collect the above personal information directly from consumers and from consumer interactions with our websites. We may use personal information in the above categories for business purposes that include but are not limited to:
To provide information and respond to your requests;
To operate, evaluate and improve our business, including analyzing and enhancing our products, services and websites;
To perform data analyses (including market and consumer search and analytics, trend analysis and profiling, financial analysis and anonymization of personal information);
To protect against, identify and prevent fraud and other prohibited or illegal activity, claims and other liabilities;
To comply with applicable legal and regulatory requirements and our policies;
To establish, exercise and defend legal claims;
To detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to prosecute those responsible for that activity; and
To undertake internal research for technological development.
We may disclose the above categories of personal information for these business purposes to our affiliates and to service providers in connection with their provision of services to us. We also may disclose information (i) when required by law, regulation or legal process (such as a court order or subpoena), (ii) in response to requests by government agencies, such as law enforcement authorities, or (iii) when necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity; and (iv) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution or liquidation). We have not sold personal information to third parties in the 12-month period preceding the Effective Date of this Privacy Notice.
Your Rights Under the California Consumer Privacy Act
If you are a California resident, you have: (1) the right to know what personal information we collect, use, disclose and sell; and (2) the right to request that we delete your personal information. We will honor your request to the extent required by applicable law.
You may designate an authorized agent to make a request to know or request to delete on your behalf. An agent may be an individual, or a business entity registered with the California Secretary of State. To designate an authorized agent, you must provide the agent with written permission to submit the request. We may still require you to verify your identity directly (subject to certain exceptions). We may refuse a request if the agent does not provide adequate proof of their authorization.
We may not discriminate against you for exercising any of your rights under the CCPA. This means that we may not deny you services or charge you different prices or rates for services or provide you with a different level or quality of services (or suggest that we will do so), in response to a request made under the CCPA.
How to Exercise These Rights
You may request to exercise the foregoing rights by:
Submitting a request via email to email@example.com.
Calling us toll-free at 1-800-390-4750.
Please note that we may take steps to verify your identity before granting you access to information or acting on your request to exercise your rights, as required or permitted by law. We may limit our response to your exercise of the above rights as permitted by law.
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