Taxes are Overrated™
|WHAT DOES Ability First Financial LLC, |
DO WITH YOUR PERSONAL INFORMATION?
|Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
|The types of personal information we collect and share depend on the product or service you have with us. This information can include but is not limited to:|
Social Security number and income
Account balances and payment history
Health Information (HIPAA Protected)
|All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Ability First chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does Ability First Financial LLC., share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||YES||NO|
|For our marketing purposes – to offer our products and services to you||YES||NO|
|For joint marketing with other financial companies||YES||NO|
|For our affiliates’ everyday business purposes – information about your transactions and experiences||YES||NO|
|For our affiliates’ everyday business purposes – information about your creditworthiness||YES||YES|
|For our affiliates to market to you||YES||YES|
|For nonaffiliates to market to you||NO||YES|
|Call us at 480-331-3081 or speak with your representative to update your privacy choices.|
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you’re an existing customer and have opted out previously, you do not need to update your privacy choices again. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
|Who is providing this notice?||Ability First Financial, LLC.|
|How does Ability First protect my personal information?||To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.|
|How does Ability First collect my personal information?||We collect your personal information, for example, when you:|
• Open an account or deposit money
• Complete an Application
• Make or change Investments
• Make or change benefit options
• Make or change beneficiaries.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
|Why can’t I limit all sharing?||Federal law gives you the right to limit only:|
• Sharing for affiliates’ everyday business purposes – information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
|What happens when I limit sharing for an account, I hold jointly with someone else?||Your choices will apply to everyone on your account. Please note that employees do not necessarily own accounts or benefits provided by current or former employees, please consult the plan documents provided|
|Affiliates||Companies related by common ownership or control. They can be financial and nonfinancial companies.|
|Non-Affiliates||Companies not related by common ownership or control. They can be financial and nonfinancial companies.|
• Non-Affiliates we share with can include insurance companies, service providers, co-branded partners, retailers, data processors, and advertisers.
|Joint marketing||A formal agreement between nonaffiliated financial companies that together market financial products or services to you.|
• Our joint marketing partners include companies such as banks and insurance companies.
|Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded. Email and SMS Communication: All electronic communications are logged and may be analyzed for compliance and security purposes.|
Additional rights: You may have additional rights or obligations from other providers we have engaged on your behalf or have recommended to you. Please review each policy.