Privacy Policy

Our Commitment to Your Privacy

Protecting our clients’ privacy is of paramount importance to CNIV Financial Planning LLC. It is our policy that no private client financial information obtained by us is sold or made available to third parties except that:

Third parties may be used by us to assist in the management or maintenance of client accounts or our business needs;
Client information may be released to client’s accountancy, legal and other third party representatives at client’s direction;
Client information may be released in accordance with applicable laws and regulations.

We will not share nonpublic personal information about our clients with non-affiliated third parties without prior client consent, except for specific purposes described below. This notice explains our collection, use and safeguarding of client information.

How CNIV Financial Planning Gathers Information

In connection with providing clients with investment management services, we may obtain information about them from the following sources:

Client agreements and other information that clients provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include a client’s name, address, phone number, email address, social security number, employment information, income, investment experience, and credit references;
Personal tax returns provided by the client;
Public sources.

Sharing Information with Non-affiliated Third Parties

We only disclose non-public client information to nonaffiliated third parties without prior client consent when we believe it necessary for the conduct of our business or as required or permitted by law, such as:

If you request or authorize the disclosure of the information;
To provide client account services or account maintenance;
To respond to a subpoena or court order, judicial process, law enforcement or regulatory authorities;
To perform services for the firm or on its behalf to develop or maintain proprietary trading or other software;
In connection with a proposed or actual sale, merger, or transfer of all or a portion of our business or an operating unit;
To help us prevent fraud;
With rating agencies, persons assessing compliance with industry standards, or to the attorneys, accountants and auditors of the firm;
To comply with federal, state or local laws, rules and other applicable legal requirements.

We do not make any disclosure of client nonpublic personal information to other companies who may want to sell their products or services to you. For example, we do not sell client lists, and we will not sell client names to catalogue companies.

Opt Out Provision

If, at any time in the future, it is necessary to disclose any client personal information in a way that is inconsistent with this policy, CNIV Financial Planning will give its clients advance notice of the proposed disclosure so that they will have the opportunity to either opt-in or opt-out of such disclosure, as required by applicable law. Clients are advised that the Firm believes that sharing client private information under the circumstances noted above is either mandated by law or necessary for the Firm to conduct its business and to best service client accounts. Clients desiring to opt out of any third party disclosures should contact the Firm immediately.

Former Clients

Our Privacy Policy continues to apply to all former clients.

To Whom This Policy Applies

This Privacy Policy applies to individuals who obtain or have obtained services from CNIV Financial Planning used primarily for personal, family or household purposes.

Our Security Practices and Information Accuracy

We take steps to safeguard client information. We restrict access to the personal and account information of our clients to our employees and agents for business purposes only. We maintain physical, electronic and procedural safeguards to guard your personal information.

Other Information

We reserve the right to change this Statement of Privacy Policy. The examples contained within this Privacy Policy are illustrations, and they are not intended to be exclusive. If you have any questions about our Privacy Policy, please contact our Chief Compliance Officer, Chirag Surti at 732-298-7593 or chirag@cnivfp.com.