In the course of serving you as an individual client or as someone associated with a corporate or institutional client, Cikaldana may obtain personal information about you. Obtaining this information is important to our ability to deliver the highest level of service to you, but we also recognize that you expect us to treat this information appropriately.
This policy describes the types of personal information we may collect about you, the purposes for which we use the information, the circumstances in which we may share the information and the steps that we take to safeguard the information to protect your privacy.
The Sources of Information
The personal information we collect about you comes primarily from the account applications or other forms and materials you submit to Cikaldana during the course of your relationship with us. We may also collect information about your transactions and experiences with Cikaldana relating to the products and services Cikaldana provides. In addition, depending on the products or services you require, Cikaldana may obtain additional information about you, such as your credit history, from consumer reporting agencies.
Finally, in the provision of financial services to you and subject to strict compliance with all applicable laws and regulations, information may be collected about you indirectly from monitoring or other means (e.g. recording of telephone calls and monitoring e-mails). In these circumstances, the information is not accessed on a continuous or routine basis, but it may be used for compliance or security purposes.
The Information We Have about You
If you deal with Cikaldana in your individual capacity (e.g. as a private client), or as a settlor/trustee/beneficiary of a trust, or as an owner or principal of a company or other, etc., the typical information we collect about you would include:
- Your name, address and other contact details;
- Your age, occupation and marital status;
- Extensive financial information, including source of wealth, investment experience and objectives, risk tolerance and, in certain jurisdictions, representations required under applicable law or regulation concerning your financial resources;
- A head and shoulders photograph from, as applicable, your passport, national identity card or driver's license, as required by laws and regulations addressing due diligence and related matters; and
- A personal identifier such as your ID Number, Insurance Number, Tax ID Number, etc.
- Your name and contact details;
- Your role/position/title and area of responsibility; and
- Certain identifying information (e.g. passport photo, etc.) as required by laws and regulations addressing money laundering and related matters.
Our Use of Your Personal Information
We may use your personal information to:
- Administer, operate, facilitate and manage your relationship with Cikaldana. This may include sharing such information internally as well as disclosing it to third parties, as described in the following two sections, respectively;
- Contact you or, if applicable, your designated representative(s) by post, telephone, electronic mail, facsimile, etc., in connection with your relationship;
- Provide you with information (such as research), recommendations, or advice concerning products and services offered by Cikaldana; and
- Facilitate our internal business operations, including assessing and managing risk and fulfilling our legal and regulatory requirements.
Disclosures of Your Personal Information within Cikaldana
In order to provide efficient and reliable services and to improve product and service options available to you, more than one entity within Cikaldanamay be given, or given access to, your personal information. For example, one Cikaldanaentity might share your information with another in order to facilitate settlement of your transactions or the maintenance of your accounts, or as part of its arranging for the performance of specialized services such as, asset management and advisory and trust services. When so sharing your personal information, we adhere to applicable legal and industry standards regarding the protection of personal information.
Disclosures of Your Personal Information to Third Parties
Cikaldanadoes not disclose your personal information to third parties, except as described in this policy. Third party disclosures may include sharing such information with non-affiliated companies that perform support services for your account or facilitate your transactions with Cikaldana, including those that provide professional, legal or accounting advice to Cikaldana. Non-affiliated companies that assist Cikaldanain providing services to you are required to maintain the confidentiality of such information to the extent they receive it and to use your personal information only in the course of providing such services and only for the purposes that Cikaldanadictates.
We may also disclose your personal information to fulfill your instructions, to protect our rights and interests and those of our business partners or pursuant to your express consent. Finally, under limited circumstances, your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations; for instance, when responding to a subpoena or similar legal process, to protect against fraud and to otherwise cooperate with law enforcement or regulatory authorities or with organizations such as exchanges and clearinghouses.
You should know that Cikaldana will not sell your personal information.
Other Privacy Policies or Statements; Changes to Policy
This policy provides a general statement of the ways in which Cikaldanaprotects your personal information. This policy may be changed from time to time to reflect changes in our practices concerning the collection and use of personal information. The revised policy will be effective immediately upon posting to our Web site. This version of the Policy is effective November 30, 2013.
Additional Information:
Cikaldanamay occasionally contact you by post, telephone, electronic mail, facsimile, etc., with details of products and services that we believe may be of interest to you.
