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Privacy Policy

Protecting your confidential information

We, at Essence Capital Group, Inc., value our relationship with each of our customers, and we appreciate the trust that you have placed with us. We recognize that you have concerns about the confidential personal information we obtain about you throughout our relationship. Because protecting your confidential information is important to us, we have adopted a privacy policy which governs how the confidential information we obtain about you is used and maintained. We pledged to protect that information and ensure that it remains private. The information in this notice summarizes the categories of personal information that we collect about you, how that information is handled, and how we protect that information.

We do not disclose any nonpublic information about our customers to anyone, except as required or permitted by law. Essence Capital Group does not sell personal information obtained about you to companies that are not associated with Essence Capital Group for the purpose of marketing their products or services to you.

Collection and Use of Personal Information

The privacy policy set forth in this notice applies to Essence Capital Group and affiliated companies of Essence Capital Group. We collect nonpublic personal information about you from the following sources, solely for the purposes specified:

  • Information we receive from you on account applications or other forms, such as name, address, federal tax identification number, income, assets and similar information. We use this information to administer the accounts we maintain on your behalf, process transactions requested by you, respond to your inquiries, evaluate your investment needs, and identify other products and services that may interest you.
  • Information about your transactions with us or our affiliates, such as your account balance, transaction history and payment activity. This information is used to process transactions you request and ensure the accuracy of the records and reports we maintain that relate to your account. We may also collect various other types of data, such as transaction site navigation and optional survey information, in connection with your use of online services we make available to you through other entities. We use this information in order to improve the quality of the services we offer to you.
  • Information we receive from consumer reporting agencies, such as credit relationships and credit history. We use this information to help determine your eligibility for Essence Capital Group products and services, collect or report debts owed to us, and protect our rights and property.

Sharing of Information with Affiliated Parties

The information we collect relating to your transactions and experiences with Essence Capital Group or any affiliate may be shared among Essence Capital Group’s affiliates. We may also share some or all of the information we receive about you from consumer reporting agencies, such as credit information.

Sharing of Information with Nonaffiliated Parties

Essence Capital Group may make certain disclosures to nonaffiliated third parties without providing you with opt out rights:

  • Essence Capital Group may disclose your nonpublic personal information to nonaffiliated third parties as necessary to effect, administer or enforce a transaction that you request or authorize, for example, providing confirmations, account statements or other records of a transaction.
  • Essence Capital Group may also disclose your nonpublic personal information to nonaffiliated third parties when you have consented to such disclosure, to protect confidentiality or security of Essence Capital Group’s records pertaining to the consumer, to protect against actual or potential fraud or unauthorized transactions, for required institutional risk control or for resolving disputes or inquires, to persons holding a legal or beneficial interest relating to you, to persons acting in fiduciary or representative capacity on your behalf, to Essence Capital Group’s attorneys, accountants and auditors, and to governmental regulatory authorities as authorized by law.

Protecting the Confidentiality of Your Personal Information

All Essence Capital Group’s employees are instructed to use strict standards of care regarding the confidentiality of your nonpublic personal information as outlined in firm policies. Employees not adhering to our firm policies are subjected to disciplinary action. We require outside companies and independent contractors to whom we provide customer information for marketing, servicing or processing to enter into a confidentiality agreement that restricts the use of the information to those purposes, We maintain physical, electronic and procedural safeguards that comply with applicable laws to protect your non-public personal information.

If you have any questions or comments about our privacy policy, please contact your Essence Capital Group representative.


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