Privacy Notice

Revised: 02/2020

WHY?

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.

WHAT?

The types of personal information Higher Capital collects and shares depends on the product or services you have with us. This information can include:

  • Social Security number and income
  • Credit history and credit score
  • Account balances and account transactions

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

HOW?

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 Raymond James chooses to share; and whether you can limit this sharing.

Reasons we share your Information… Does Higher Capital Share? Can users limit sharing?

To conduct everyday business:

  • Process transactions
  • Maintain accounts
  • Respond to legal requests
  • Reporting to credit bureaus
Yes No
For Higher Capital marketing purposes Yes No
For joint marketing with other affiliated financial institutions Yes No

For our affiliates’ business purposes:

  • Transactions
  • Experiences
Yes Yes
Affiliate marketing Yes Yes
Non-Affiliate marketing No N/A

 

Reasons we share your Information… Does Higher Capital Share? Can users limit sharing?
To conduct everyday business Yes No
For Higher Capital marketing purposes Yes No
For joint marketing with other affiliated financial institutions Yes No
For our affiliates’ business purposes Yes Yes
Affiliate marketing Yes Yes
Non-Affiliate marketing No N/A

 

What we do
How does Higher Capital protect my personal information?

Higher Capital uses security measures that comply with federal law. These measures include computer encrypted safeguards, secured files, and buildings. 

How does Higher Capital collect my personal information?

Higher Capital collects your personal information when you:

  • purchase services from us
  • open an account or perform transactions
  • inform us of your investment or retirement portfolio

We also collect your personal information from other accredited affiliates such as credit bureaus or other financial companies you’re currently a member of or have financial ties to.

Why can't I limit all sharing of my information?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes
  • affiliates from using your information to market directly to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may provide additional rights to limit sharing. For more information, please review your rights for the state you live within. 

What rights are available for joint account holders?

Your choices will apply to everyone within your account.

Other important Information
Vermont

In accordance with Vermont law, Higher Capital 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. 

California

In accordance with California law, Higher Capital will not share information we collect about you with companies outside of Raymond James, 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. 

Nevada

In accordance with Nevada law, if you would like to be placed on our Internal Do Not Call List, please contact Higher Capital or the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: 1.702.486.3132; email: BCPINFO@ag.state.nv.us.

For Insurance Customers Located 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.