Customer Privacy Policy Notice

Regulation S-P, Privacy of Consumer Financial Information, requires financial institutions, including Marino, Stram & Associates, LLC (“MSA”), to provide notice to current clients and prospective clients about their policies and practices concerning the collection and use of customer, non-public information.  This privacy policy notice is given to all prospective clients of MSA upon entering into a contract with MSA and annually thereafter.

Privacy Disclosure Statement.  A primary goal of MSA is to protect the privacy of its clients.  MSA does not sell the personal information of clients to anyone.

To conduct regular business, MSA may collect non-public personal information from clients.  This information is provided by clients to MSA on applications and other forms provided by clients to MSA as well as transactions with the firm, our affiliates, or others.

MSA may enter into contracts with outside third parties so that MSA can assist its clients in servicing their accounts.  In order to do this, MSA will disclose personal information to companies that help MSA process transactions for client accounts (for example, executing client trades through a broker/dealer).  However, MSA does not share or disclose any non-public customer information except as allowed or required by law.  In addition to sharing information in order to provide financial services to clients, MSA may be required to disclose personal information to cooperate with regulators or law enforcement authorities, to resolve customer disputes or for risk control.

Information Safeguarding.  MSA has implemented strict policies and procedures aimed at protecting the sensitive nature of client information.  MSA restricts access to client information to only those members of MSA that must provide products and services to clients in order to service client accounts.  MSA has implemented physical, electronic, and procedural safeguards aimed at meeting MSA’s duty to protect non-public client information.

If you have any questions concerning MSA’s customer privacy policy or concerns about your personal information please feel free to contact Richard Stram or Paul Marino at 781-843-3500.