Information That We Collect
We collect personal information about you from a variety of sources to help us serve your financial needs, offer products and services and satisfy our legal and regulatory requirements.
- We receive information provided by you or on your behalf, to us, or to our registered representatives, agents or financial professionals (financial professionals). This information may be provided on forms and applications as well as through personal discussions. For example, this information may include: social security number, name, address, birth date, assets, income, beneficiary, employment, health and other financial information.
- We acquire information regarding your account and transaction history, including products and services, balances, account history, payment history and information as to your credit worthiness and history from our affiliates, unaffiliated service companies and consumer reporting agencies.
- We receive information from other unaffiliated third parties, including employers, associations, benefit plan sponsors, financial aggregators and other institutions and individuals, including from institutions where you have had a relationship.
Information We May Disclose
We do not sell or disclose your non-public personal information to non-affiliated third party marketing companies.
We may disclose information that we collect as required to conduct our business and as permitted or required by law, with our affiliates, or in connection with joint marketing agreements which we may enter into with third parties (e.g., for the joint offering of a product or service). We may share information about you with unaffiliated financial institutions such as our clearing firm, broker-dealers, investment advisors, third party administrators, plan sponsors, mutual funds, insurance companies or agencies, solicitors and other third parties who assist us in providing account or related services to you. We share information with nonfinancial companies that provide services to us such as consumer reporting agencies and consulting firms.
If your account was opened in our offices located at a financial institution, such as a bank, thrift or credit union, and that financial institution decides to enter into a relationship with a new financial service provider, we will share your information with that new financial service provider so that your account can continue to be serviced.
We may share your information with auditors, regulators, nonregulatory industry licensing/registration entities and law enforcement organizations, including in response to court orders, subpoenas, or inquiries, or as permitted or required by law.
You are not able to opt out of our sharing your information for the purposes described in this section. See State Informationon page 2.
If your financial professional is not affiliated with a financial institution and leaves Cetera Advisor Networks to join another firm, or elects to sell or transfer some or all of his or her business, your financial professional might retain copies of your personal information so that your account can continue to be serviced or to contact you regarding your options. Subject to legal and regulatory requirements, your personal information maintained on our systems and those of our service providers may be shared with your new financial service provider. If you do not want your financial professional to take your information should he or she leave or transfer his or her business from Cetera Advisor Networks, you have the right to opt out of such disclosure. You may opt out now or at any time in the future. If you have a joint account, we will treat an opt out by any joint customer as applying to all joint customers. If you wish to exercise your right to opt out under this section, please contact us at 888.825.8950 or by mail.
Certain states have adopted a requirement for you to approve the sharing of information in advance, otherwise known as an opt-in choice. If you live in an opt-in state (e.g., California, Massachusetts, Maine, Alaska, North Dakota or Vermont), then we will require your consent to share your information with unaffiliated third parties who are not servicing your account. State requirements vary and may change without notice.
We have implemented security standards and processes as well as physical, electronic and procedural safeguards - including training and confidentiality agreements, designed to protect your information.
Policy Relating to Former Customers
Cetera Advisor Networks maintains a public website at www.ceteraadvisornetworks.com. While this policy is delivered annually in writing, the policy may change from time to time. You can always review our current policy, as well as our list of affiliates, and other disclosures online.
California residents: For accounts with a California mailing address, we will not share your personal information with a financial company for joint marketing purposes except as required or permitted by law.
Vermont residents: For accounts with a Vermont mailing address, we will not share your creditworthiness information with our affiliates except as required or permitted by law. For joint marketing with other financial companies, we will disclose only your name, contact information, and information about your transactions, unless otherwise required or permitted by law.
List of Affiliates that this notice applies to (as of September 1, 2013):
Cetera Advisor Networks LLC
Cetera Advisor Networks Insurance Services LLC
Cetera Financial Group, Inc.
Cetera Insurance Agency LLC
Other Important Information
Our public website contains additional information that might be of interest to you, including a brochure about investing, a statement about Cetera Advisor Networksâ€™ compensation sources and information about our Strategic Partners Program.
Cetera Advisor Networks is a member of the Securities Investor Protection Corporation (SIPC). You can obtain information about SIPC, including a brochure, by contacting SIPC at 202.371.8300 or on their website at www.sipc.org.
In addition, the Financial Industry Regulatory Authority (FINRA) makes available information about the registration status and/or disciplinary record of broker-dealers and their registered representatives. The information can be obtained by calling toll-free at 800.289.9999. The FINRA website contains other useful information for investors at www.finra.org.