303.316.7900
Privacy Policy
At Money Concepts Capital Corp. ("MCC") we understand that the privacy and security of the personal and account information that you have entrusted to us and to our independent associates with whom you have chosen to do business is of utmost importance. We value the opportunity to serve you, and we are obligated to honor that relationship with care. For that reason, MCC and its affiliate company, Money Concepts International, Inc., adhere to confidentiality standards that are designed to protect your personal information. We believe that your privacy should not be compromised. At the same time, we want our independent associates to offer you the array of financial products and services you need to accomplish your financial goals. We believe we can do both through the policy outlined below.
PROTECTING YOUR INFORMATION When you establish a relationship with an independent MCC advisor and purchase financial and investment products and services through MCC, you are asked to shore personal and financial information used to help in the assessment and attainment of your financial goals. In that relationship, independent MCC advisors will use the information to assist you in identifying the services and products you may wont or need, to meet changing needs, and to identify constantly developing new products and services that may be of interest to you. MCC may also wont to contact you to review your current information and status in order to assure that both we and our independent associates can serve you better. The information you shore with us is important to you, and you con expect that we will protect the privacy and use of your private personal and financial information. At MCC we ore committed to protecting the privacy of the information we collect, use, and share about you. MCC has token the appropriate methods that require the disposal of consumer report information so that the information cannot practically be read or reconstructed.
OUR DISCLOSURE OF YOUR INFORMATION So that you may be better served, MCC and its independent associates may shore information about you with nonaffiliated financial institutions, such as banks, clearing firms or custodians, who perform services on our behalf or when necessary for the performance of our services. These non-affiliated financial institutions are bound by obligations of confidentiality not to disclose any information provided by MCC or any independent MCC advisor about you and may not use such information for any purposes other than the performance of the particular service involved. We also may disclose information about you to non-affiliated third parties as permitted by law, for example to process a financial product or service that you have authorized. We also may share your information with regulators and law enforcement organizations, or in response to a subpoena or discovery request, as permitted or required by law. In this way we can also make available new products and services. Our employees have access to your information only when it is necessary for them to assist you or your independent MCC advisor in the completion of transactions or in the offer and sale of additional products and services. All of our employees are strictly held to this privacy policy, and each of our independent associates confirms his or her undertaking to be strictly bound by it. We employ physical and electronic safeguards to protect your nonpublic personal information. We do not sell, share, or disclose your nonpublic personal information to unaffiliated third-party marketing companies. Opting in. If the MCC advisor servicing your account(s) leaves MCC to join another broker/dealer, the MCC advisor may retain copies of your personal information so that he or she con continue to serve you at the new firm. In doing so, your representative may shore your information with the new firm, but is otherwise required to keep confidential the personal information obtained from you while the associate was affiliated with MCC and he or she may only use it to service your account(s). If you live in an "opt-in"• state, where we are required to obtain your affirmative consent to shore your nonpublic personal information with unaffiliated third parties who do not currently assist us in servicing your account, we will obtain your consent before we allow your advisor to toke your information with him or her should your advisor leave MCC. *If you reside in the state of Alaska, California, Illinois, Maine, Massachusetts, Missouri, New Hampshire, North Dakota or Vermont, we ore required to obtain your written approval to allow your advisor to take your information to a new firm. Opting out. If you live in an "opt-out" state and do not want your advisor to take your information with him or her should your advisor decide to leave MCC in the future, you have the right to opt out of such disclosure. If you hove a joint account, we will treat an opt-out direction by a joint customer as applying to all associated joint customers. If you wish to opt in or opt out, now or at any time in the future, please contact our Compliance deportment at 800- 326-1825.
INTERNET PRIVACY PROTECTION POLICY Effective Dote: August l, 2004. We ore committed to protecting your privacy. Our website is a great way to find out more about our services, access informative articles and financial information. We will not collect any personal, identifiable information without your knowledge. Identifiable information con be broken up into two categories, personal and non-personal information.
NON-PERSONAL INFORMATION Our site may create a temporary data file commonly known as a cookie. It may also track the areas of our website that you visit. We may collect information regarding the internet provider from which you ore connecting to our site, such as AOL or MSN. We may also track the website from which you linked to our site. This information is used statistically and not to identify individuals.
PERSONAL INFORMATION You con visit the site and remain anonymous by not providing any personal information. However, you may choose to shore this information by completing applications, online forms or requesting that we contact you. Personal information includes, but is not limited to name, address, phone number and email address. When using secure areas of this website to provide or access your personal information, the information is encrypted, making it indecipherable to third parties. Your browser will indicate that you ore in a secure area by displaying a locked padlock in the bottom of the screen. Internet connections cannot be guaranteed to be 100% secure. We hove token all reasonable measures to protect the information entered and accessed on the website. However, we cannot be liable for unintentional disclosure of information.
KEEPING INFORMATION CURRENT MCC and its independent associates ore committed to keeping your non-public personal and financial information secure, accurate and current. You should provide your independent MCC advisor with any updates and changes to your personal information.
CHANGES AND UPDATES TO PRIVACY POLICY By effecting transactions through MCC you consent to the collection and use of personal information as described in this Privacy Policy. This policy reflects MCC's current business practices. and is subject to change and update. In the event of a change, a revised policy will be sent to you or otherwise mode available through your independent MCC advisor.
ARBITRATION DISCLOSURES
THIS AGREEMENT CONTAINS A PREDISPUTE ARBITRATION CLAUSE. BY SIGNING AN ARBITRATION AGREEMENT, THE PARTIES AGREE AS FOLLOWS:
1) ALL PARTIES TO THIS AGREEMENT ARE GIVING UP THE RIGHT TO SUE EACH OTHER IN COURT, INCLUDING THE RIGHT TO A TRIAL BY JURY, EXCEPT AS PROVIDED BY THE RULES OF THE ARBITRATION FORUM IN WHICH A CLAIM IS FILED. 2) ARBITRATION AWARDS ARE GENERALLY FINAL AND BINDING; A PARTY'S ABILITY TO HAVE A COURT REVERSE OR MODIFY AN ARBITRATION AWARD IS VERY LIMITED. 3) THE ABILITY OF THE PARTIES TO OBTAIN DOCUMENTS, WITNESS STATEMENTS AND OTHER DISCOVERY IS GENERALLY MORE LIMITED IN ARBITRATION THAN IN COURT PROCEEDINGS. 4) THE ARBITRATORS DO NOT HAVE TO EXPLAIN THE REASON($) FOR THEIR AWARD, UNLESS, IN AN ELIGIBLE CASE, A JOINT REQUEST FOR AN EXPLAINED DECISION HAS BEEN SUBMITTED BY ALL PARTIES TO THE PANEL AT LEAST 20 DAYS PRIOR TO THE FIRST HEARING DATE. 5) THE PANEL OF ARBITRATORS WILL TYPICALLY INCLUDE A MINORITY OF ARBITRATORS WHO WERE OR ARE AFFILIATED WITH THE SECURITIES INDUSTRY. 6) THE RULES OF SOME ARBITRATION FORUMS MAY IMPOSE TIME LIMITS FOR BRINGING A CLAIM IN ARBITRATION. IN SOME CASES, A CLAIM THAT IS INELIGIBLE FOR ARBITRATION MAY BE BROUGHT IN COURT. 7) THE RULES OF THE ARBITRATION FORUM IN WHICH THE CLAIM IS FILED, AND ANY AMENDMENTS THERETO, SHALL BE INCORPORATED INTO THIS AGREEMENT.
ARBITRATION AGREEMENT Client and Money Concepts Capital Corp. each agree that ALL CLAIMS OR CONTROVERSIES, and any related issues which may arise at any time between us (including Money Concepts Capital Corp.'s representatives, directors, officers, employees and agents) relating to or concerning any account, transaction or order; the conduct of Money Concepts Capital Corp. or its registered representatives, directors, officers, employees, and agents; the construction, performance or breach of this or any other agreement between us, whether entered into prior to, on , or subsequent to the date hereof; the breach of any common law or statutory duty; or the violation of any federal or state securities law, or any other federal or state law of any nature SHALL BE SUBMITTED AND RESOLVED BY ARBITRATION rather than by lawsuit in a court of law or equity. Any arbitration pursuant to this agreement shall be in accordance with and governed by, a mutually acceptable arbitral forum but in the absence of such agreement, then the Code of Arbitration Procedure of the Financial Industry Regulatory Authority ("FINRA"), as then in effect. The award of the arbitrators, or of the majority of them, shall be final and binding, and judgment upon the award rendered may be entered in any federal or state court having jurisdiction. It is agreed and fully understood that:
(a) Money Concepts Capital Corp. is a Broker/Dealer and a member of the Financial Industry Regulatory Authority (FINRA) and the Security Investment Protection Corporation (SIPC). (b) Money Concepts Capital Corp. operates on a fully disclosed basis and as such does not hold customer accounts or securities. Therefore, no investor's checks should be made payable to Money Concepts Capital Corp., or any registered representative of said company, or any related entity of registered representative. (c) Money Concepts Capital Corp. is not owned, controlled, or has shares in its own account in any investment company or insurance company. (d) The sole responsibility of the investment management decisions of the Investment Company will reside with the Investment Company utilized. Money Concepts Capital Corp. does not use any influence directly or indirectly on the investment management of those funds. Therefore, the management decisions of Investment Company(s) or Direct Participation Program(s) are the sole responsibility of the said company. (e) It is agreed that any dispute arising from any Securities or Financial Planning activities between you and Money Concepts Capital Corp. or its Representatives shall be subject to binding arbitration. (f) The laws of the State of Florida govern.
NO PERSON SHALL BRING A PUTATIVE OR CERTIFIED CLASS ACTION TO ARBITRATION, NOR SEEK TO ENFORCE ANY PREDISPUTE ARBITRATION AGREEMENT AGAINST ANY PERSON WHO HAS INITIATED IN COURT A PUTATIVE CLASS ACTION; OR WHO IS A MEMBER OF A PUTATIVE CLASS WHO HAS NOT OPTED OUT OF THE CLASS WITH RESPECT TO ANY CLAIMS ENCOMPASSED BY THE PUTATIVE CLASS ACTION UNTIL; (1) THE CLASS CERTIFICATION IS DENIED; (11) THE CLASS IS DECERTIFIED; OR (111) THE CUSTOMER IS EXCLUDED FROM THE CLASS BY THE COURT. SUCH FORBEARANCE TO ENFORCE AN AGREEMENT TO ARBITRATE SHALL NOT CONSTITUTE A WAIVER OF ANY RIGHTS UNDER THIS AGREEMENT EXCEPT TO THE EXTENT STATED HEREIN.