Kabarec Financial Advisors has never disclosed your personal information to companies or organizations not affiliated with us, and we do not anticipate doing so in the future, except as permitted by law. If we were to anticipate such a change in firm policy, we would be prohibited under the law from doing so without advising you first.
We may, as permitted by law, provide personal information about you contained in our records or files to persons or organizations such as:
- your custodian
- brokerage firms (federal regulations permit us to share a limited amount of information about you with a brokerage firm in order to execute securities transactions on your behalf)
- regulatory or law enforcement authorities
When specifically directed by you, we provide personal information about you contained in our records or files to persons or organizations such as:
- your attorney
- your insurance agent
- your accountant
All of the personal information that we have about you comes directly from you. We do not collect personal information about you from outside sources. The categories of nonpublic personal information that we collect from you depend upon the scope of our engagement. They may include information about your personal finances, information about your health to the extent that it is needed for the planning process, and information about transactions between you and third parties.
All of our employees are required to sign a Confidentiality Agreement. In addition, we maintain a secure office and computer environment to ensure that your information is not placed at unreasonable risk. We require strict confidentiality in our agreements with unaffiliated third parties that may have access to your personal information in the course of troubleshooting computer issues.