Privacy Policy

As a user of the Pacific American Securities website, you have entrusted us with your personal and financial data. We know that you are concerned with how this information is treated. This Privacy Statement sets forth policies that demonstrate our commitment to your financial privacy. Pacific American Securities is committed to protecting the privacy of all users of our website - those who visit our website and those who maintain accounts with us. 

We only use information about you to help us service you and any account you might maintain at Pacific American Securities. In addition, as a financial institution and FINRA member, we also are required to collect and retain certain information as a legal and regulatory matter. We limit our collection, use and retention of information about you in a manner consistent with achieving these goals and meeting these requirements. We currently do not use any "cookie" technology on the public area of this website. If we add any cookies in the future, we will change this notice to explain how such cookies are used.

We will only share personal information with others as stated in this policy, unless we give you additional notice or ask for your permission. We do reserve the right to disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required under law, to cooperate with regulators or law enforcement authorities, to perform necessary credit checks or collect or report debts owed to us, to protect our rights or property, or upon reasonable request by a mutual fund in which you have chosen to invest. We seek to limit our employees' access to information about you to those employees who need to have such information to service you and your account. We emphasize to our employees the confidential nature of customer information and the high level of importance we place on maintaining this confidentiality through employee training, operating procedures and our privacy policy. We also maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic person information. For example, we use locked file cabinets and password-protected computer access. We may collect nonpublic personal information about you from the following sources: Your account opening documentation, applications, or other forms (e.g. name, address, phone numbers, social security number and date of birth); Your transactions with us, our affiliates and others; and Information for special services such as bill payment.

When you view the public areas of our website, we do not collect or store any information specifically identifiable to you unless you knowingly provide it to us. If you are an account holder, information about you is collected and stored on a secure portion of our website. Access to portions of the website where information about you and your account is collected, retrieved or transmitted is password protected. Your Pacific American Securities password is your private entry key into your account. You should never share it with anyone and you should change it periodically.

In addition to password protection, any time you enter an order or provide personal information (such as an account number or password), we encrypt it using Secure Socket Layer (SSL) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Pacific American Securities recommends using a strong encryption, 128-bit browser like Netscape Navigator 4.06 or higher or Microsoft's Internet Explorer 4.01 or higher. These browsers will activate SSL automatically whenever you sign on to your Pacific American Securities account. You can tell if you are visiting a secure area within a Web site by looking at the symbol on the bottom of your browser screen. If you are using Netscape Navigator or Internet Explorer, you will see either a lock or a key. When the symbol appears unbroken or the padlock is in the locked position, your session connection is taking place via a secure server.

If you need a strong encryption browser, you can go to the Netscape Web site or the Microsoft Web site to download the latest Navigator or Internet Explorer browser. We do not recommend the use of beta browser versions.

We reserve the right to use your e-mail address to send you important information relating to your account, including regulatory communications. For example, such communications may relate to margin or trading requirements. At times we may ask for your informed consent to send important information to you by e-mail. We may also use your e-mail address to send you information about services and products we believe may be of interest to you. If you are a customer and do not want to receive e-mail related to services and products, simply log into NetExchange Client and send us an e-mail from the Contact Us section or call us at 800-864-1014. If you are a customer or a prospective customer and receive an e-mail from Pacific American Securities about a product or service, you may unsubscribe to future e-mails about that product or service by following the instructions in the e-mail message. Regular non-encrypted Internet e-mail is not secure. In the instances where Pacific American Securities Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. For secure online transmissions of information to us, you should use Pacific American Securities Contact Us at Inquiries sent through our Contact Us pages are secure and use Secure Socket Layer (SSL) encryption. Since an Internet e-mail response back to you would not be secure, we will not include confidential account information in an e-mail response. You may also contact us by phone at 800-864-1014, U.S. mail at 9191 Towne Centre Drive, Suite 406, San Diego, CA 92122 or by toll free fax at 877-552-9833.

We will not sell or distribute your personal information to any third party. We may disclose information about you if we deem it necessary or prudent to do so in the course of a legal proceeding or in connection with a regulatory matter. Your information also may be available to other parties, such as our securities clearing firm, Pershing LLC, which need that information to allow you to place trade orders and otherwise transact business with us. We may share aggregate data about our customers with third parties in an effort to help us develop new and improved services and products. When we share personal information with an agent or affiliate, we protect that personal information with a strict confidentiality agreement. Companies that we hire to provide support services or act as our agent must conform to our privacy standards.

In certain instances, the Pacific American Securities website may contain hyperlinks to other websites not operated or controlled by Pacific American Securities. Pacific American Securities is not responsible for the content, or the privacy practices, of these websites.

The accuracy of your personal information is important to us. If you are a customer and have a concern about your personal or account information maintained at Pacific American Securities, or want to correct, update, or confirm your information, please send us an e-mail using the Contact Us section of NetExchange Client or via [email protected] or call us at 800-864-1014. We will be happy to review and update our records.

Key Terms

Nonpublic personal information is personally identifiable financial information that a customer provides to a financial institution; results from a transaction with a customer; or is otherwise obtained by the financial institution.

For example, nonpublic personal information includes information regarding your account value and investment history.

An affiliated third party is any company related or affiliated by common ownership, or affiliated by corporate control or common corporate control, with another company.

A nonaffiliated third party is an entity that is not part of our corporate family.

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