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Benefit Planning Services, Inc. strongly
believes in protecting the confidentiality and security of information
we collect about you. This notice refers to BPS by using
the terms "us," "we," or "our." This notice describes our privacy
policy and describes how we treat the information we receive
("Information") about you. Why We Collect and How We Use
Information: We collect and use information for business
purposes with respect to our business relationships involving
you. These business purposes include evaluating a request for
products or services, administering our products or services,
and processing transactions requested by you. We may also use
Information to offer you other products or services we provide.
How We Collect Information: We get most Information directly
from you. The Information that you give us when applying for
our products or services generally provides the Information
we need. If we need to verify Information or need additional
Information, we may obtain Information from third parties. Information
collected may relate to your finances, employment, avocations
or other personal characteristics as well as transactions with
us or with others. How We Protect Information: We treat
Information in a confidential manner. Our employees, registered
representatives and investment adviser representatives acting
on our behalf are required to protect the confidentiality of
Information. These employees and representatives may access
information only when there is an appropriate reason to do so,
such as to administer or offer our products or services. We
also maintain physical, electronic and procedural safeguards
to protect Information; these safeguards comply with all applicable
laws. Employees, registered representatives and investment adviser
representatives are required to comply with our established
policies. Information Disclosure: We may disclose any
Information when we believe it necessary for the conduct of
our business, or where disclosure is required by law. For example,
Information may be disclosed to others to enable them to provide
business services for us such as, performing general administrative
activities for us and assisting us in processing a transaction
requested by you. Information may also be disclosed for audit
or research purposes; or to law enforcement and regulatory agencies,
for example, to help us prevent fraud. Information may be disclosed
to others that are outside of BPS, such as companies
that process data for us or companies that provide general administrative
services for us. We may make other disclosures of Information
as permitted by law. Information may also be shared with our
affiliates so that they may offer you their products or services.
We may also provide Information: (i) to certain nonaffiliates,
such as marketing companies, to assist us in offering our products
and services to you, and (ii) to nonaffiliated financial services
companies with which we have a joint marketing agreement, for
example, an agreement with another broker-dealer or registered
investment adviser to enable us to offer you certain of its
products or services. We do not make any other disclosures of
Information to other companies who may want to sell their products
or services to you. For example, we will not sell your name
to a catalogue company. We may disclose any information, other
than consumer report or health information, for the purposes
described in this paragraph. Access to and Correction of
Information: Generally, upon our written request, we will
make available Information for your review. Information collected
in connection with, or in anticipation of, any claim or legal
proceeding will not be made available. If you notify us that
the Information is incorrect, we will review it. If we agree,
we will correct our records. If we do not agree, you may submit
a short statement of dispute, which we will include in any further
disclosure of Information. Further Information: In addition
to any other privacy notice we may provide, a recently enacted
federal law established new privacy standards and requires us
to provide this summary of our privacy policy. You may have
additional rights under other applicable laws. For additional
information regarding our privacy policy, please write to us
at 18 Corporate Woods Blvd., 4th Floor, Loudonville, New York
12211.
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