Effective: April 25, 2023
Our Commitment to You
Comprehensive Wealth Management, LLC. ("CWM" or the "Advisor") is committed to safeguarding the use of personal information of our Clients (also referred to as "you" and "your") that we obtain as your Investment Advisor, as described here in our Privacy Policy ("Policy'').
Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. CWM (also referred to as "we," "our" and "us") protects the security and confidentiality of the personal information in our possession and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you.
CWM does not sell your non-public personal information to anyone, nor do we provide such information to others except for discrete and reasonable business purposes in connection to the servicing and management of our relationship with you as discussed below.
Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy.
Why do you need to know?
Registered Investment Advisors ("RIAs") must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share and protect your personal information.
- Social security or taxpayer identification number
- Name, address, and phone number(s)
- E-mail address(es)
- Account information (including other institutions)
- Assets and liabilities
- Income and expenses
- Investment activity
- Investment experience and goals
What information do we collect from other sources?
- Custody, brokerage, and advisory agreements
- Other advisory agreements and legal documents
- Transactional information with us or others
- Account application and forms
- Investment questionnaires and suitability documents
- Other information needed to service account
How do we protect your information?
To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client's personal information.
How do we share your information?
An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information.
Privacy Practices of Third Parties
Our website may feature links to third party sites that offer goods, services, or information. We are not responsible for content or privacy policies or practices of any linked sites of any third parties. We encourage you to review each privacy policy before providing any personal information.
Changes to our Privacy Policy
We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us.
Periodically we may revise this Policy, and will provide you with a revised policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non-public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent information sharing.
If you elect to receive this notice electronically from our website, any modifications will be incorporated into the language of the Policy immediately upon change.
Steps you can take to help protect your confidential information:
- Protect your Social Security number. Provide your Social Security number only when absolutely necessary, and do not carry your Social Security card or any documents with your number with you.
- Treat your mail and trash carefully. To thwart an identity thief who may pick through your trash or recycling bins to capture your personal information, always shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks, bank statements, credit and/or charge cards that you are discarding, and credit offers you get in the mail.
- Be on guard when using the internet. The internet can leave you vulnerable to online scammers, identity thieves, and more. For practical tips to help you be on guard against Internet fraud, securing your computer, and protecting your personal information visit www.OnGuardOnline.gov.
- Verify a source before sharing information. Do not give out personal information on the phone, through the mail, or over the Internet unless you have initiated the contact or have verified the individual who is asking. Identity thieves are clever and may pose as representatives of banks, Internet Service Providers (ISPs), and even government agencies to get people to reveal their Social Security number, mother’s maiden name, account numbers, and other identifying information.
- Avoid email hack attacks. In the most serious cases, a compromised email account can lead not only to identity theft, but also to theft of your money. That is why one of the most important first steps you should take if your email account has been hacked is to notify CWM and other financial institutions. Information regarding steps you can take if your email is hacked is located at Hacked Email | FTC Consumer Information.
Any questions?
You may contact CWM by calling (425) 778-6160, via the Contact Us page on our website, or by writing to:
CWM
Attn: Compliance
3500 188th Street SW
Suite 102 Lynnwood, WA 98037