Privacy & Legal
In the course of serving you as an individual shareholder, NICO may obtain personal information about you.
It is important to our ability to
deliver the highest level of service to you, but we also
recognize that you expect us to treat this information
appropriately.
This Policy describes the types of personal information we may
collect about you, the purposes for which we use the
information, the circumstances in which we may share the
information, and the steps that we take to safeguard the
information to protect your privacy. As used throughout this
Policy, the term “NICO” refers to the National Investments
Company Limited.
The Sources of Information
The personal information we collect about you comes primarily
from the account applications or other forms and materials you
submit to NICO.
Finally, in the provision of financial services to you and
subject to strict compliance with all applicable laws and
regulations, information may be collected about you indirectly
from monitoring or other means (e.g., recording of telephone
calls and monitoring e-mails). In these circumstances, the
information is not accessed on a continuous or routine basis but
it may be used for compliance or security purposes.
The Information We Have About You
If you deal with NICO in your individual capacity
or as an owner or principal of a company or other
investment vehicle established to invest on your behalf or on
behalf of your family, etc., the typical information we collect
about you would include:
- Your name, address and other contact details;
- Your age, occupation and marital status;
- Extensive financial information, including source of wealth,
investment experience and objectives, risk tolerance and, in
certain jurisdictions, representations required under applicable
law or regulation concerning your financial resources ;
- A head and shoulders photograph from, as applicable, your
passport, national identity card or driver's license, as
required by laws and regulations addressing due diligence and
related matters; and
- A personal identifier such as, depending on your country of
residence, your Social Security Number, National Insurance
Number, Tax File Number, etc.
If you are an employee/officer/director/principal, etc. of one
of our corporate or institutional clients, the typical
information we collect about you personally would include:
- Your name and contact details;
- Your role/position/title and area of responsibility; and
- Certain identifying information (e.g., passport photo, etc.) as
required by laws and regulations addressing money laundering and
related matters.
Of course, you are not required to supply any of the personal
information that we may request. However, failure to do so may
result in our being unable to open or maintain your account or
to provide services to you. While we make every effort to ensure
that all information we hold about you is accurate, complete and
up to date, you can help us considerably in this regard by
promptly notifying us if there are any changes to your personal
information.
Our Use of Your Personal Information
We may use your personal information to:
Administer, operate, facilitate and manage your relationship
and/or account with NICO. This may include sharing such
information internally as well as disclosing it to third
parties, as described in the following two sections,
respectively;
Contact you or, if applicable, your designated representative(s)
by post, telephone, electronic mail, facsimile, etc., in
connection with your relationship and/or account;
Provide you with information concerning products and services
offered by NICO; and
Facilitate our internal business operations, including assessing
and managing risk and fulfilling our legal and regulatory
requirements.
If your relationship with NICO ends, NICO will
continue to treat your personal information, to the extent we
retain it, as described in this Policy.
Disclosures of Your Personal Information Within NICO
In order to provide efficient and reliable services, and to
improve product and service options available to you, more than
one entity within NICO may be given, or given access to, your
personal information. When so sharing your personal information
we adhere to applicable legal and industry standards regarding
the protection of personal information.
Disclosures of Your Personal Information to Third Parties
NICO does not disclose your personal information to
third parties, except as described in this Policy. Third party
disclosures may include sharing such information with
non-affiliated companies that perform support services for your
account or facilitate your transactions with NICO,
including those that provide professional, legal, or accounting
advice to NICO. Non-affiliated companies that assist
NICO in providing services to you are required to
maintain the confidentiality of such information to the extent
they receive it, and to use your personal information only in
the course of providing such services and only for the purposes
that NICO dictates.
We may also disclose your personal information to fulfill your
instructions, to protect our rights and interests and those of
our business partners, or pursuant to your express consent.
Finally, under limited circumstances, your personal information
may be disclosed to third parties as permitted by, or to comply
with, applicable laws and regulations.
NICO will not sell your personal
information.
Privacy and The Internet
The following additional information will be of interest to you
if you access NICO products or services through NICO's Website:
“Cookies” are small text files consisting of information stored
by your Web browser. This information is used for administrative
purposes and to improve your experience with our Web sites. For
example, this information helps authenticate you (i.e., verify
that you are who you say you are), an essential component of
site security. Cookies also make it easier for you to navigate a
NICO Web site by, among other things, “remembering”
your identity so that you do not have to input your password
multiple times as you move between pages or services. You can
set your Web browser to inform you when cookies are set, or to
prevent cookies from being set. However, if you decline to use
cookies, you may experience reduced functionality, and declining
to use authentication related cookies will prevent you from
using the Web site altogether.
Other Privacy Policies or Statements; Changes to Policy
This Policy provides a general statement of the ways in which
NICO protects your personal information. You may, however, in
connection with specific products or services offered by NICO,
be provided with privacy policies or statements that supplement
this Policy. This Policy may be changed from time to time to
reflect changes in our practices concerning the collection and
use of personal information.
You are entitled to access any personal data about you held by
NICO by sending a written request to the applicable
individual identified below. You may be required to supply a
valid means of identification as a security precaution to assist
us in preventing the unauthorized disclosure of your personal
information. We will process your request within the time
provided by applicable law. You are also entitled to have
NICO modify or delete any information that you believe
is incorrect or out of date.
NICO may occasionally contact you by post, telephone,
electronic mail, facsimile, etc., with information that we believe may be of interest to you. If you do
not wish to be contacted in this way, if you wish to exercise
your rights of correction and access, or if you require further
information regarding our privacy policies and practices please
contact us. |
