• Information we receive about you on applications or other forms;
  
  
• Information you give us orally; and
  
  
• Information about your transactions with us or others.

We do not disclose any nonpublic personal information about our customers or former customers without the customer's authorization, except as permitted by law or in response to inquires from governmental authorities. We restrict access to your personal and account information to those personnel who need to know that information to provide products and services to you. We also may disclose that information to affiliates and to unaffiliated third parties (such as to brokers or custodians) only as permitted by law and only as needed for us to provide agreed services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information. Email is retained and subject to review.