Altruistic Investing, LLC is a registered investment adviser whose principal office is located in Colorado. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. Information on this website is directed toward U.S. residents only. All clients are advised that it remains their responsibility to advise their financial adviser or Altruistic Investing, LLC of any changes in their investment objectives and/or financial situation. This website is a publication of Altruistic Investing, LLC. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of any subjects discussed. A professional adviser should be consulted before any investment decisions are made. Past performance does not guarantee future success. Information on this website is not an offer to buy or sell or a solicitation of any offer to buy or sell, any specific securities. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. Hyperlinks on this website are provided as a convenience only, and we disclaim any responsibility for the accuracy of information on any other website linked hereto.
Altruistic Investing Commitment to Privacy
Please note that certain details of this policy may depend on whether you deal with us through an investment professional, directly as an individual investor, or whether Altruistic Investing provides services to your employer or plan sponsor.
The privacy policies of Altruistic Investing are reviewed annually. Our printed and online notices are then updated to reflect any changes. For material changes to this statement, Altruistic Investing will notify our users by placing prominent notices on the site.
Client’s Expectation of Privacy
Altruistic Investing considers the protection of personal information to be a foundation of customer trust and a sound business practice. We employ physical, electronic and procedural controls and we regularly adapt these controls to respond to changing requirements and advances in technology.
At Altruistic Investing, we restrict access to personal information to those who require it to develop, support, offer and deliver products and services to you.
As a matter of policy, Altruistic Investing does not disclose any non-public personal information provided by shareholders or gathered by Altruistic Investing to non-affiliated third parties, except as required or permitted by law or as necessary for such third parties to perform their agreements with respect to Altruistic Investing. As is common in the industry, non-affiliated companies may from time to time be used to provide certain services, such as preparing and mailing prospectuses, reports, account statements and other information, conducting research on shareholder satisfaction and gathering shareholder proxies. Altruistic Investing or their affiliates may also retain non-affiliated companies to market Altruistic Investing shares or products which use Altruistic Investing shares and enter into joint marketing arrangements with them and other companies. These companies may have access to a shareholder’s personal and account information, but are permitted to use this information solely to provide the specific service or as otherwise permitted by law. In most cases, the shareholders will be clients of a third party, but Altruistic Investing may also provide a shareholder’s personal and account information to the shareholder’s respective brokerage or financial advisory firm and/or financial advisor or consultant.
Use, Collection, and Retention of Client Information
Altruistic Investing takes great care to protect personal information about you and when we use it, we do so with respect for your privacy. Altruistic Investing and Altruistic Investing service providers may use personal information about you to service, maintain, and protect your account; process transactions in your account; respond to inquiries from you or your representative; develop, offer, and deliver products and services; or to fulfill legal and regulatory requirements.
The public and non-public personal information may be any of the following and come from any of the following sources:
- You or your representative on applications or forms (for example, name, address, Social Security number, birth date, assets and income).
- You or your employer or plan sponsor if Altruistic Investing provides them with recordkeeping services (for example, payroll, human resources, or benefits information).
- Transactional activity in your account (for example, trading history and balances).
- Other interactions with Altruistic Investing (for example, discussions with our customer service staff or information you enter into our websites).
- Information from consumer reporting agencies (for example, to assess your creditworthiness for margin products).
- Information from other third-party data services (for example, to verify your identity and to better understand your product and service needs).
- You or your representative regarding your preferences (for example, your choice of electronic statement delivery, or the screen layout you specify if you use our Internet sites).
- If you purchase Altruistic Investing products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
- Altruistic Investing may also collect anonymous demographic information, which is not unique to you, such as your age, gender, household income, political affiliation, race and religion. We may gather additional personal or non-personal information in the future.
- Information about your computer hardware and software may be automatically collected by Altruistic Investing. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Altruistic Investing website.
- Other sources with your consent or with the consent of your representative (for example, from other institutions if you transfer positions into Altruistic Investing).
In the course of providing shareholders with products and services, Altruistic Investing and certain service providers to Altruistic Investing , such as the Altruistic Investing investment advisers, may obtain non-public personal information about shareholders, which may come from sources such as account applications and other forms, from other written, electronic or verbal correspondence, from shareholder transactions, from a shareholder’s brokerage or financial advisory firm, financial advisor or consultant, and/or from information captured on applicable websites.
Altruistic Investing encourages you to review the privacy statements of websites you choose to link to from Altruistic Investing so that you can understand how those websites collect, use and share your information. Altruistic Investing is not responsible for the privacy statements or other content on websites outside of the Altruistic Investing website.
Sharing Information with Third Parties
Altruistic Investing does not share personal information about our customers with unaffiliated third parties for use in marketing their products and services. We may share personal information with the following entities:
Unaffiliated service providers (for example, printing and mailing companies, securities clearinghouses, marketing service providers, and other entities who may provide services at Altruistic Investing direction)
Government agencies, other regulatory bodies and law enforcement officials (for example, for tax purposes or for reporting suspicious transactions)
Other organizations, with your consent or as directed by your representative (for example, if you use Altruistic Investing as a financial reference in applying for credit with another institution), or as permitted or required by law (for example, for fraud prevention)
Our service providers are obligated to keep the personal information we share with them confidential and use it only to provide services specified by Altruistic Investing. Based on the nature of your relationship with Altruistic Investing, we may exchange information with other third parties as described below:
If Altruistic Investing provides workplace services to your employer or plan sponsor, such as payroll, human resources or benefits recordkeeping services, Altruistic Investing may exchange any information received in connection with such services with your employer or plan sponsor or others they may authorize.
If you conduct business with Altruistic Investing through your investment professional, we may exchange information we collect with your investment professional or with others they may authorize.
If you transact business through Altruistic Investing life insurance companies, we may validate and obtain information about you from an insurance support organization. The insurance support organization may further share your information with other insurers, as permitted by law. We may also share medical information about you to learn if you qualify for coverage, to process claims, to prevent fraud, or otherwise at your direction, as permitted by law.
Altruistic Investing reserves the right to disclose or report personal or account information to non-affiliated third parties in limited circumstances where Altruistic Investing believes in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities, to protect their rights or property, or upon reasonable request by any Fund in which a shareholder has invested. In addition, Altruistic Investing may disclose information about a shareholder or a shareholder’s accounts to a non-affiliated third party at the shareholder’s request or with the consent of the shareholder.
Altruistic Investing may share shareholder information with its affiliates in connection with servicing shareholders’ accounts, and subject to applicable law may provide shareholders with information about products and services that Altruistic Investing or its advisers, distributors or their affiliates believe may be of interest to such shareholders. The information that Altruistic Investing may share may include, for example, a shareholder’s participation in Altruistic Investing or in other investment programs sponsored by an adviser, distributor, their affiliates, a shareholder’s ownership of certain types of accounts (such as IRAs), information about Altruistic Investing experiences or transactions with a shareholder, information captured on applicable websites, or other data about a shareholder’s accounts, subject to applicable law. Altruistic Investing advisers, distributors, and affiliates, in turn, are not permitted to share shareholder information with non-affiliated entities, except as required or permitted by law.
Limiting Employee Access to Information
We may share personal information about you with various Altruistic Investing corporate affiliates including internal service providers which perform, for example, printing, mailing, and data processing services.
Additionally, if you interact with Altruistic Investing directly as an individual investor (including joint account holders) or if Altruistic Investing provides services to your employer or plan sponsor, we may exchange certain information about you with Altruistic Investing financial services affiliates, such as our brokerage and insurance companies, for their use in marketing products and services as allowed by law.
Information collected from investment professionals’ customers is not shared with Altruistic Investing affiliates for marketing purposes, except with your consent and as allowed by law.
Privacy, security, and service in Altruistic Investing online operations are just as critical as in the rest of our business. We use firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect Altruistic Investing accounts and systems from unauthorized access.
When you interact with us through online channels (for example, websites and mobile applications) owned and controlled by Altruistic Investing Investments (” Altruistic Investing websites”), Altruistic Investing manages personal information in accordance with all of the practices and safeguards described previously.
When you visit Altruistic Investing websites, we may collect technical and navigational information, such as device type, browser type, Internet protocol address, pages visited, and average time spent on Altruistic Investing websites. We use this information for a variety of purposes, such as maintaining the security of your online session, facilitating site navigation, improving Altruistic Investing website design and functionality, and personalizing your experience on Altruistic Investing websites. Additionally, the following policies and practices apply when you are online.
Cookies and Similar Technologies
You can refuse or delete cookies. Most browsers and mobile devices offer their own settings to manage cookies. If you refuse a cookie when on a Altruistic Investing website, or if you delete cookies, you may experience some inconvenience in your use of Altruistic Investing websites. For example, you may not be able to sign in and access your account, or we may not be able to recognize you, your device, or your online preferences.
Advertising on Altruistic Investing Websites
Altruistic Investing advertises on its own websites (including our mobile applications), and when we do, we may use information about your relationship with us, such as the types of accounts you have, to tailor advertisements about Altruistic Investing and third-party products and services that may be of interest to you.
We may also use third-party service providers to help us determine which Altruistic Investing products and services may be of interest to you. These service providers may collect information about your activity on Altruistic Investing websites using cookies and other technologies to analyze, for example, pages visited, search engine referrals, browsing patterns, and responses to advertisements and promotions. Such service providers may only collect and use such information for purposes specified by Altruistic Investing and not for their own purposes.
Advertising on Non- Altruistic Investing Websites
Altruistic Investing and these third-party online advertising companies may use the data collected, along with other information we have about you and your Altruistic Investing relationships, to serve relevant ads to you. The advertisements may be relevant to your interests, as determined by your activity on Altruistic Investing and non- Altruistic Investing websites. These are known as “interest-based advertisements.”
You may opt-out of receiving interest-based advertisements from online advertising companies by clicking on the AdChoices icon (which appears on all Altruistic Investing interest-based ads) and following the opt-out instructions. For more information about interest-based advertising please see: http://www.networkadvertising.org/managing/opt_out.asp.
A. Connecting with Altruistic Investing on Social Media Sites
B. Protecting Children’s Privacy Online
Altruistic Investing websites are not directed to individuals under the age of thirteen (13). Altruistic Investing does not intentionally collect information on Altruistic Investing websites from those we actually know are under 13, and we request that these individuals do not provide personal information through the sites. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with personal information, please contact us at email@example.com
Former Altruistic Investing Clients
If you are a former customer, these policies also apply to you; we treat your information with the same care as we do information about current customers.
Folio Institutional offers several options for accessing and, if necessary, correcting your account information. You can review your information using your statements, or through our automated telephone or Internet services. You may also write or call us with your request for information.
Specific Internet addresses, mailing addresses and telephone numbers are listed on your statements and other correspondence.
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Altruistic Investing by contacting us here:
Web page: www.altruisticinvesting.com
We do not sell your personal information to anyone. The law allows you to “opt out” of only certain kinds of information sharing with third parties. The firm does not share personal information about you with any third parties that triggers this opt-out right. This means YOU ARE ALREADY OPTED OUT.
Altruistic Investing welcomes your questions or comments regarding this Statement of Privacy. If you believe that Altruistic Investing has not adhered to this Statement, please contact Altruistic Investing at:
Address: 7680 Goddard Street, Suite 213, Colorado Springs, CO 80920
Email Address: firstname.lastname@example.org
Effective as of August 7, 2017 (“2017”)