Privacy Notice
Laurel Wealth Planning LLC is committed to maintaining the confidentiality, integrity and security of personal information about our current, former, and prospective Clients. We consider customer privacy to be fundamental to our relationship with Clients. It is our policy to respect the privacy of current, former, and prospective Clients and to protect customer information entrusted to us. This policy describes the steps we have taken to safeguard your information and what Client information we may share with others. We are proud of our privacy practices and want you to know how we protect information used to provide you with service.
You do not have to contact us to benefit from our privacy protections; they apply automatically to both current, former and prospective Clients.
Information We Collect and Maintain
- Information we receive from you to open an account or provide investment advice to you (such as your home address, telephone number, social security number, taxpayer identification number, e-mail address, age, marital status, assets, and income and financial information);
- Information that we generate to service your account (such as trade tickets and account statements); or
- Information that we may receive from third parties with respect to your account (such as trade confirmations).
Information We Disclose
- Firm receives your prior written consent;
- Firm believes the recipient is your authorized representative;
- Firm discloses your Nonpublic Personal Information as necessary to effect or process a transaction in any account, or to maintain or service your account(s);
- Firm is required by law to disclose information to the recipient.
- Non-affiliated companies that provide processing, account maintenance and related services in connection with your investments and other transactions handled by us; and
- Non-affiliated companies and government agencies only to the extent permitted or required by law, for legal, regulatory or other purposes (for example, for tax purposes or for reporting suspicious transactions).
How We Protect Personal Information
Restricting access to your Nonpublic Personal Information to those Employees with a legitimate need for the information; and
Maintaining physical electronic and procedural safeguards that meet or exceed federal and industry standards governing how Nonpublic Personal Information should be stored. This will include encryption, where feasible,
We have not and will not sell your personal information to anyone, even if our formal Client relationship ends.
We require service providers to implement appropriate safeguards, notify us of security incidents, cooperate in investigations, and support our compliance obligations. We do all of these things on an ongoing basis.
We train our team members regarding this policy and related matters on a continuous basis.
Text Messaging Communications
To enhance our ability to communicate with you regarding your accounts and our services, we may communicate with you via text message (SMS or similar mobile messaging platforms). Text messaging may be used for administrative, servicing, or scheduling purposes, including confirming receipt of documents or coordinating meetings.
When you communicate with us by text message, we may collect and maintain:
- Your mobile telephone number;
- The content of your messages;
- Any information you voluntarily provide in the text message (which may include personal or financial information); and
- Metadata associated with the communication, such as date, time, and delivery details.
Your phone number, text message content, and all information transmitted through text messaging are considered nonpublic personal information and protected accordingly.
By providing us with your mobile number, you consent to receive text messages from us. You may withdraw this consent at any time by contacting us using the information found in this Privacy Notice or by replying “STOP” to a text message.
Text messages may not always be a secure method of transmitting sensitive personal or financial information. For this reason, we may direct you to communicate certain information through more secure channels. As a registered investment adviser, we may monitor, review, and retain text message communications related to our advisory business in accordance with applicable books‑and‑records requirements.
We will not accept, and you may not submit, trade orders, account transfer instructions, or other time‑sensitive directions by text message. Such instructions will not be accepted or acted upon unless they separately confirmed through a communication channel approved for these actions.
We may use third‑party vendors to facilitate or archive text message communications. These vendors access message content solely for the purpose of providing contracted services. We conduct due diligence on service providers and, where appropriate, enter into contractual agreements requiring them to protect customer information, comply with applicable law, notify us of security incidents, and cooperate with our regulatory and incident‑response obligations. We do not sell, share, or disclose mobile information with third parties for marketing or promotional purposes.
Incident Response Program and Security Event Notifications
We maintain a written incident response program designed to detect, respond to, and recover from unauthorized access to or use of customer information.
- Detection and Assessment: We maintain procedures to promptly identify and assess suspected or actual incidents involving unauthorized access to Non‑public Personal Information, whether occurring internally or through a third‑party service provider.
- Containment and Remediation: Upon identification of a security incident, we will take steps to contain and mitigate any threat, secure affected systems, remediate vulnerabilities, and prevent recurrence.
- Customer Notification: If we determine that misuse of your personal information has occurred or is reasonably likely, we will notify you as soon as practicable, consistent with Regulation S‑P.
Privacy Policy Update
From time to time, we may amend our privacy policy. You will receive appropriate notice when our privacy policy changes.