Privacy Notice

FACTS

Why?

What?

How?

WHAT DOES PRAREX DO WITH YOUR PERSONAL INFORMATION?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

 

  • Social Security number and income

  • Credit history and credit score

  • Account balances and transaction history

  • Assets and investment experience

 

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Prarex chooses to share; and whether you can limit this sharing. Please note that Prarex does not “sell” your personal information, with “sell” meaning the disclosure of personal information to a third party for monetary or other valuable consideration.

Reasons we can share your personal information

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes – to offer our products and services to you

For joint marketing with other financial companies

For our affiliates’ everyday business purposes – information about your transactions and experiences

For our affiliates’ everyday business purposes – information about your creditworthiness

For our affiliates to market to you

For nonaffiliates to market to you

Does Prarex share?

Yes

 

 

 

 

Yes

Yes

Yes

Yes

Yes

No

Can you limit this sharing?

No

 

 

 

 

No

 

 

No

 

 

No

 

 

 

Yes

 

 

 

Yes

We don’t share

To limit our sharing

 

 

 

 

 

 

 

 

 

 

 

 

Questions?

Who is providing this notice?

Contact us at:

 

 

Please note:

 

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

 

However, you can contact us at any time to limit our sharing.

Go to prarex.com or contact us directly at privacy@prarex.com

See the Prarex U.S. legal entities noted below.

What we do?

How does Prarex protect my personal information?

 

 

 

 

 

 

 

 

How does Prarex collect my personal information?

 

 

 

 

 

 

 

Why can’t I limit all sharing?

What happens when I limit sharing for an account I hold jointly with someone else?

 

 

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. For more information, please visit prarex.com/privacy

We collect your personal information, for example, when you

  • open an account or perform transactions

  • apply for a loan

  • make a wire transfer or tell us where to send money

  • tell us about your investment or retirement portfolio

  • become a beneficiary of a trust or an estate

 

We also collect your personal information from others such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Your choices will apply to everyone on your account.

Definitions

Affiliates

Nonaffiliates

Joint marketing

 

 

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with Prarex International, Prarex Industries and Prarex Agtech name as well as other companies, such as Eurofinanz Group and Eurofinanz Asset Management.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Prarex does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies to provide or market financial products or services to you.

  • Our joint marketing partners may include banks and credit unions.

Other Important Information

Financial advisors may change brokerage and/or investment advisory firms, and the nonpublic personal information collected by us and your advisor may be provided to the new firm, so your advisor can continue to service your account(s). If you do not want your financial advisor to provide this information to the new firm, please contact us at privacy@prarex.com to opt out of this sharing. Opt-in states, such as California and Vermont and others, require your affirmative consent before the advisor can provide your nonpublic information to the new firm.

You can provide or withdraw this consent at any time by contacting us at privacy@prarex.com. If your financial advisor is also affiliated with a bank, credit union or other financial institution, and that financial institution enters into a relationship with a new financial services provider, we may share your information with the new financial services provider so your advisor can continue to service your account(s).

Vermont: In accordance with Vermont law, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at prarex.com/privacy.

California: In accordance with California law, we will not share information we collect about you with companies outside of Prarex, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law. For additional information regarding your rights, please see the California Privacy Notice (prarex.com/ccpa).

Nevada: In accordance with Nevada law, if you would like to be placed on our Internal Do Not Call List, please call 800.647.7378. For more information, you may contact info@prarex.com or the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101. Phone number: 702.486.3132; email: BCPINFO@ag.state.nv.us.

For insurance customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR and VA only. The term “Information” in this section means customer information obtained in an insurance transaction. We may give your Information to state insurance officials, law enforcement, group policyholders about claims experience, or auditors as the law allows or requires. We may provide your Information to insurance support companies that may retain it or send it to others as needed to service your account. We may share your medical Information so we can learn if you qualify for coverage, process claims, or prevent fraud or if you provide authorization. To see your Information, write to Prarex International LLC, 8 The Green STE B, Dover, Delaware, 19901, Attn: Data Request. You must state your full name, address, the insurance company, policy number (if relevant), and the Information you are requesting. We will inform you of what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail a copy to you for a fee. If you think any Information is incorrect, you may submit a written request to have the Information corrected. We will notify you of what actions are taken. If you do not agree with our actions, you may send us a statement.

If Prarex acts as a clearing agent for your accounts opened through an unaffiliated introducing broker/dealer or provides custody and execution services to your third-party investment adviser (RIA & Custody Services Division), you should also receive a separate privacy notice from your introducing broker/dealer or third-party investment adviser that governs information you share with them. Prarex shall have no responsibility or liability with respect to such separate privacy notices.

Prarex U.S. legal entities

Prarex International LLC.