Plante Moran Insurance Agency Services (PMIA)
Consumer Privacy Notice

Protecting your privacy is important to us. We want our customers to understand what information we collect and how we use it. We will continue to adhere to the privacy policies and practices described in this notice even after your account is closed or becomes inactive. We may amend our policy at any time, and will inform you of any changes as required by law.


FACTS

Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?
The types of personal information we collect and share depend on the product we provide to you or the services you receive from us. This information can include:

• Social Security number and investment experience
• Account balances and assets
• Account transactions and transaction history

How?
All financial companies need to share customer personal information to run their everyday business. In the section on the next page, we list the reasons financial companies can share their customer’s personal information, the reason Plante Moran Insurance Agency Services, LLC chooses to share, and whether you can limit this sharing. 

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION	DOES PMIA SHARE?	CAN YOU LIMIT THIS SHARING?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders, and legal investigations, or report to regulatory agencies.	Yes	No
For our marketing purposes — To offer products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes — Information about your transactions and experiences	Yes This information is only shared if you engage the services of an affiliate entity of PMIA.	Yes Only information relevant to the services for which you engaged an affiliate entity of PMIA will be shared. Example: Includes, but is not limited to, insurance policy information for estate planning purposes.
For our affiliates’ everyday business purposes — Information about your creditworthiness	No	We don’t share
For our affiliates to market to you	Yes PMIA does not share your personal information for this purpose beyond contact information.	Yes You may elect to “opt-out” of marketing received directly from our affiliates.
For nonaffiliates to market to you	No	No

     

WHAT WE DO

How does PMIA protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Third parties that provide support services on our behalf may also receive personal information about you, and we require they adhere to confidentiality standards with respect to any such information.

How does PMIA collect my personal information?
We collect your personal information for example, when:

• You submit an insurance application and any related documentation
• We assist you with review of estate planning
• You seek advice about your insurance needs

Why can’t I limit all sharing?

• Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes-information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. (See below for more on your rights under state law.)

What happens when I limit sharing for an account I hold jointly with someone else?
Unless specified otherwise, an opt-out request will extend to all accounts in your client relationship. Examples include accounts owned jointly with your spouse, related revocable trust accounts, and minor children’s UTMA accounts. Related accounts with other owners or signatories will not be affected, such as, an irrevocable trust with a trustee other than you.

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies with a Plante & Moran name and other financial companies such as P&M Corporate Finance.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

PMIA does not share with nonaffiliates so they can market to you. PMIA may share information with nonaffiliates that assists us with servicing your accounts, such as securities broker-dealers, custodians, and service providers that assist us with information transfers. PMIA may share information with joint account holders and those with whom you have consented to our sharing your information, such as tax advisers, attorneys, and bank officers.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

PMIA doesn’t jointly market.


STATE LAW

You may have other privacy protections under state law. Our information sharing procedures will comply with all applicable state law.

California: In accordance with California law, we will not share information we collect about you with companies outside of PMIA, unless the law allows. For example, we may share information with your consent, to service your accounts. We will limit sharing among our affiliated companies to the extent required by California law.

For insurance customers in AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, and VA only. The term "information" in this part means customer information obtained in an insurance transaction. We may give your information to state insurance officials, law enforcement, group policy holders about claims experience, or auditors as the law allows or requires. We may give your information to insurance support companies that may keep it or give it to others. We may share medical information so we can learn if you qualify for coverage, process claims or prevent fraud or if you say we can.

To see your Information, write Plante Moran Insurance Agency Services, Attn: Data Request 27400 Northwestern Highway P.O. Box 307 Southfield, MI 48037-0307. You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. You may see and copy the Information (unless privileged) at our office or ask that we mail you a copy for a fee. If you think any information is wrong, you must write us. We will let you know what actions we take. If you do not agree with our actions, you may send us a statement.

For MA insurance customers only. You may ask in writing the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where we decline your application for insurance, offer to insure you at a higher than standard rate, or terminate your coverage.

If you have any questions regarding this notice or how to opt-out of any information sharing with our affiliates, please contact our compliance department at 248.223.3756 or 248.223.3427.

SOLICITATION AND MARKETING BY AFFILIATES

Plante Moran Insurance Agency Services, LLC is providing you with this notice regarding solicitation and marketing by entities affiliated with us.

Federal law provides you the right to limit marketing from our affiliates. As such, we are providing you with this notice to inform you about your choice to limit marketing from our affiliates.

You may limit our affiliates in P&M Holding Group, LLP (Plante & Moran), such as our insurance services, trust company, and investment banking affiliates, from marketing their products or services to you based on your personal information that we collect and share with them (“opt-out”). This information includes your personal contact information such as telephone number and address. It may also include your e-mail address.

Your choice to limit marketing offers from our affiliates will remain effective until you instruct us in writing to the contrary. After consultation with you, should it be determined that an affiliate can provide services you require, your decision to opt-out will not restrict us from recommending an affiliate entity to you. If you have multiple account relationships with PMIA and elect to “opt-out,” this election will extend to all your account relationships with PMIA unless you specify differently.

To limit marketing offers or to “opt out”, please contact us:
By telephone: Compliance Department 248.223.3756 or 248.223.3427
On the Web: www.PMFA.com
By mail: Check the box, complete the form below, and send to:

Plante Moran Insurance Agency Services, LLC
Attn: Compliance Department
27400 Northwestern Highway
P.O. Box 307
Southfield, MI 48037-0307

 Do not allow your affiliates to use my personal information to market to me.

Name:  ____________________________________________________ (please print)

Name of Relationship Manager:  ______________________________________________________