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Winged Keel Group, Inc.
Privacy Policy
Protecting Your
Privacy and Security
Winged Keel Group,
Inc. (WKG) and its affiliates value your privacy.
The collection and use
of personal information is fundamental to our ability to service you as our
client. We collect and use personal information for such purposes as
assisting with a request for insurance, administering our products or
services, assisting with claims, processing requested transactions, and
offering additional financial products or services.
Our relationship with
you is our most important asset. We understand that you have entrusted us
with your private financial information, and we are doing everything we can
to maintain that trust.
The following points
provide an overview of the Winged Keel Group, Inc. Privacy Policy.
Throughout this document, we refer to information that personally
identifies you or your accounts as "personal information."
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1.
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We
do not sell your personal information to anyone.
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2.
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We
do not disclose personal information to third parties, unless one of the
following limited exceptions applies:
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We may disclose
personal information such as account and transaction data to companies,
including financial institutions, that contract with Winged Keel Group,
Inc. to issue policies, execute transactions, act in a custodial
capacity, etc. We have contracts with these companies that obligate them
to use your personal information only for the purpose of executing the
specific services we have requested.
We may disclose personal information to companies that help us process or
service your transactions or account(s). We have contracts with these
companies that obligate them to use your personal information only for
the purpose of executing the specific services we have requested.
We may disclose or
report personal information in limited circumstances where we believe in
good faith that disclosure is required by law. (For example, to cooperate
with regulators or law enforcement authorities, resolve consumer
disputes, perform credit/authentication checks, etc.)
The insurance companies we work with on your behalf may make a brief
report to the Medical Information Bureau (MIB), a non-profit membership
organization of life insurance companies, which operates an information
exchange on behalf of its members. If you apply to another MIB member
company for life or health insurance coverage, or a claim for benefits is
submitted to such a company, the MIB, upon request, will supply such
company with the information in its file. Similarly, the insurance
company or its reinsurers may release information in its file to other
life insurance companies to which you may apply for life or health
insurance or to which a claim for benefits may be submitted. They may
also disclose personal information to your doctor if they find a serious
health problem you do not know about. Further, they may contract with a
consumer reporting agency to prepare an investigative consumer report and
this agency may keep the information it has gathered and disclose it to
others.
We may share
personal information with affiliated companies and regulatory agencies.
For example, Winged Keel Group, Inc. is a Member Firm of the M Financial
Group and may offer securities and other investment services through M
Holdings Securities, Inc. ("M Securities"), a subsidiary of M
Financial Group. M Securities is a registered broker-dealer and
investment advisor and is required by various regulatory authorities such
as the U.S. Securities Exchange Commission ("SEC"), National
Association of Securities Dealers, Inc. ("NASD"), and state
jurisdictions, to collect, through Winged Keel Group, Inc., review, and
maintain certain personal information such as investment history, financial
data, and employment history in order to fulfill various regulatory
requirements. If you are a securities client you will receive a separate privacy statement from M Holdings Securities.
Outside of these
exceptions, we will not share your personal information with third
parties unless you have specifically asked us to do so.
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3.
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We
do collect personal information in the normal course of business in order
to administer your accounts and serve you better.
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Most of the
information we collect is obtained directly from you or your
representative when applying for our products or services. For insurance
products, we may collect information pertaining to a person's health,
occupation, avocations, or other personal characteristics. We also
collect information that you provide to us when you open an account, make
an application through Winged Keel Group, Inc. for the purchase of a
securities product or service, or to register for one or more of our
services such as a financial analysis. The information we collect may
include name, address, phone number, business address, business phone
number, email address, Social Security number, date of birth, marital
status, financial information and information about your investment
objectives and experience.
Information From
Third Parties.
If we need to verify information or need additional information, we may
obtain information from third parties (e.g. consumer reporting agencies,
employers, plan sponsors, third party administrators, insurance
companies, etc.).
Personal information
collected from you and third parties may vary depending upon the type of
policy or service for which you apply. We typically only collect medical
information in connection with underwriting insurance policies or as may
be necessary for claim settlement purposes.
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4.
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We
protect the confidentiality and security of your personal information.
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Companies we hire to
provide support services are not allowed to use your personal information
for their own purposes and are contractually obligated to maintain strict
confidentiality. We limit their use of your personal information to the
performance of the specific service we have requested.
We restrict access
to personal information to select employees and agents who have a need
for such information for business purposes only. All such employees are
trained and required to safeguard such information.
We maintain
physical, electronic, and procedural safeguards to guard your personal
information.
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5.
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We
continue to evaluate our efforts to protect personal information and make
every effort to keep your personal information accurate and up to date.
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If
you identify any inaccuracy in your personal information, or you need to
make a change to that information, please contact us so that we may promptly
update our records and better serve you.
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6.
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We
will provide notice of changes in our information-sharing practices.
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If,
at any time in the future, it is necessary to disclose any of your
personal information in a way that is inconsistent with this policy, we
will give you advance notice of the proposed change so that you will have
the opportunity to decline such disclosure.
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Please feel free to contact
Brent Kinetz at Winged Keel Group, Inc. at (212) 527-8000 or bkinetz@wingedkeel.com
if you have any questions about our Privacy Policy.
Principals & Directors
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