JHB Financial Associates' Client Privacy of Information Policy 

Our clients have trusted us to help them work toward financial well being.  To maintain that trust, we are committed to protecting the privacy and security of the personal information that we collect about our clients.  This notice is intended to help you understand how we collect, handle, and safeguard that information.

We treat the personal information of our clients in a confidential manner.  We do not provide any information to unrelated companies for the purpose of marketing their products or services to our clients.

When you establish a relationship with us, you are requested to furnish personal and financial information used to assist in assessing your investment objectives and goals.  The information you share with us is often private and confidential, and we are therefore committed to its protection.  In addition to the information collected, during the course of our relationship we may also collect a variety of non-public personal information from other sources.  The confidential information we collect may include the following:

  • Information we receive from you, such as your name, address, social security number, assets, income, investment objectives and other information as required by Industry Regulators.
  • Information about your transactions, including balances, portfolio holdings, cash balances, margin balances, and client statements.  Also included may be portfolio evaluations.
  • Information we receive from our broker dealer, various fund sponsors, unaffiliated custodians and money managers, your accountant, attorney or other professional.
  • Medical or health information that you authorize us to receive from doctors or other health care providers and medical vendors in relation to the advice or procurement on a traditional or variable life policy, annuity, health policy or long term care policy.

JHB Financial Associates does not share client information with any third party other than those that are authorized by you or that are required in order for us to provide services agreed upon by the client, service an account, execute a transaction, or if required to do so by regulation or law.  We may share information with our Broker/Dealer, a third party money manager or unaffiliated custodian as is necessary to provide advisory services.

JHB Financial Associates has established policies to maintain physical, electronic, and procedural safeguards to maintain the confidentiality of the personal information of our clients.  Appropriate measures are taken to ensure that access is available only to those individuals who need to know that information in order to provide our products and services.

Regulation SP Privacy Act

1.    Privacy of Client Financial Information (Regulation S-P)

As a result of the recently enacted Regulation S-P, JHB Financial Associates, also referred to as the adviser, has adopted policies and procedures reasonably designed to (a) ensure the confidentiality of client records and information; (b) protect against any anticipated threats or hazards to the security of client records and information; and (c) protect against unauthorized access or use of client records or information that could result in substantial harm or inconvenience to any consumer.  The privacy provisions of Regulation S-P will apply to information that is non-public personal information.

Definitions according to Regulation SP

Nonpublic information, under Regulation S-P, includes personally identifiable financial information and any list, description, or grouping that is derived from personally identifiable financial information.

Personally identifiable financial information is defined to include three categories of information:

  • Information Supplied by Client:  Any information that is provided by a client or prospective client to the adviser in order to obtain a financial product or service.  This would include information or material given to the adviser when entering into an investment advisory agreement.
  • Information Resulting from Transaction:  Any information that results from a transaction with the client or any services performed for the client.  This category would include information about account balances, securities positions, or financial products purchased or sold through a broker/dealer.
  • Information Obtained in Providing Products or Services:  Any information obtained by the adviser from a consumer report or other outside source which is used by the adviser to verify information that a client or prospective clients has given on an application for advisory services or insurance products.
2.    The Company's Privacy Policy

As general policy, the adviser will not disclose personal financial information about any client to non-affiliated third parties except as necessary to establish and manage the client's account(s) or as required by law.  In these situations, personal financial information about a client may be provided to the broker/dealer or other custodian maintaining these accounts.

In addition, the adviser will restrict access to client's personal financial information to those employees who need to know such information in order to provide products or services to clients. The adviser will maintain physical, electronic, and procedural safeguards that comply with federal standards to guard each client's personal financial information.  Such safeguards include restricting the use of any information contained on the Client Investment Questionnaire to each client's personal account manager, the manager's supervisor and the adviser's Compliance Officer or such other persons as the Compliance Officer deems as needing to know the information.  Hard copy of client personal financial information will be maintained in the adviser's central files, and will be secured (locked) after normal business hours.  Electronic access to client personal financial information will be restricted to the client’s account manager handling the account through the adviser's local area network (LAN).  Electronic LAN access will also be available to the manager's supervisor and adviser's Compliance Officer.

3.    Delivery of the Adviser's Privacy Notice.

Each client will be provided with a copy of the adviser's Privacy Notice upon opening his/her account.  In addition, each active client of the adviser will be provided with a copy of the Privacy Notice annually.

CA. Insurance License #0605476
The Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states:

Copyright © , All Rights Reserved

Close WindowPrint this page