Protecting Your Privacy
.................................................................................... 

- FBD Consulting, Inc. Privacy Policy -

At FBD Consulting, Inc. (“FBD”) maintaining our customers’ trust and confidence is of paramount importance. We are committed to safeguarding your personal information and providing you with facts and options about how this information may be shared. Please read this notice to learn more about our privacy policies and the options available to you.

This notice describes the privacy policies of FBD Consulting, Inc. The privacy policies apply to individuals who obtain or apply for a financial product or service for personal, family, or household purposes, or have done so in the past, from any of the businesses listed below.

Our Privacy Principles:

· We do not sell customer information.

· We do not provide customer information to persons or
  entities outside of the FBD family who are doing business
  for their own marketing purposes.

· We contractually require any persons or entities outside
  of the FBD family that provide products or services to
  customers on our behalf to protect the confidentiality of
  customer information.

· We afford prospective customers and former customers
  the same protections as existing customers in regard to
  the use of personal information.

If you are satisfied with the way that your personal information is collected and shared you do not need to take any action at this time. This notice replaces all previous statements of our consumer privacy policy, and may be amended at any time. We will provide you with annual reminders of our policies and with revised policies if there are any changes in how we handle your personal information. If you have any questions about this privacy policy you may call us at (913) 319-8800.

I. Information That We Collect

As part of providing you with our services we obtain nonpublic personal information about you which may include the following:

· Information we receive from you on applications,
  questionnaires, subscription documents or other forms
  including name, address, social security number, assets
  and income.

· Information about your transactions with us, our affiliates,
  or others, such as balances, payment history, parties to
  transactions and account usage.

· Information about you from other FBD affiliates, credit
 reporting agencies and other third parties, such as your
 creditworthiness, credit history and other information.

II. Information That We Share

We use or share information in a limited and carefully controlled manner. We use or share your information in order to identify and protect you against fraud, enable us to complete transactions quickly and efficiently, determine the right services to meet your needs and to provide you with proper customer service. Examples of customer information that we may share include:

· Information we receive from you, such as your
  name, address, social security number, assets,
  and income, as provided, for example on subscription
  documents or account applications.

· Information about your transactions with us, our affiliates,
  and others, such as balances, payment history, parties to
  transactions, and account usage.

· Information we receive from affiliates, credit reporting
  agencies and other third parties not affiliated with us,
  such as your creditworthiness and credit history.

Depending on the type of relationship you have with FBD, we may share information with other FBD affiliates, as well as with unaffiliated third parties.

A. Sharing Information With FBD Affiliates.

FBD is part of the National Financial Partners Corp. family of companies. We share information about you with FBD and other NFP affiliates, as permitted by law, in order to provide you with as many financial tools as possible. We may share identification information and transaction experience with FBD and other NFP affiliates. Our affiliates provide a wide range of financial services to meet your financial needs. Our affiliates include broker-dealers, investment advisors, financial planners and insurance brokers. We may share customer information so that they can tell you about services and products that may be of special interest or value to you. We may share experience and non-experience nonpublic personal information about you to FBD and other NFP affiliates.

B. Sharing Information With Third Parties Not Affiliated With FBD.

We disclose information with unaffiliated third parties as required or permitted by law. Please be assured that whatever the reason for sharing your personal information, we take steps to assure that those parties respect your privacy by limiting the use of the information to the purpose for which it was disclosed. These unaffiliated third parties may include:

· Companies that perform services to your account that we
  do not provide ourselves. Such services may include account
  valuation, preparation of account statements, determination
  of fees and printing services.
· Companies that will help protect your account from fraud.
· Companies that provide services necessary to effect a
  transaction that you request or to service your account.
· Government agencies, courts, parties to lawsuits, or
  regulators in response to subpoenas. In such cases, we
  share only the information that we are required or
  authorized to share.

III. Confidentiality and Security

The security of your account information is important to us. Only those persons who need your information to perform their job have access to it. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to protect your information.

Our employees have limited access to your personal information based upon their responsibilities. All employees are instructed to protect the confidentiality of your personal information as described in these policies, which are strictly enforced.

IV. Former Customers

If you end your relationship with FBD, we will continue to adhere to the policies and practices described in this notice.

  home