Privacy Policy

Customer Information Privacy Principles

Like most industries today, the financial services industry is rapidly being shaped by technology, which is literally changing the way we do business. To be successful in this environment, we must continue to insure that our customers are confident that we will manage their financial affairs expertly and confidentially.

At Cedrus, our customers have access to a broad range of products and services from basic banking products to investments, mortgages, insurance, and online banking. To deliver these products and services effectively and conveniently as possible, it is essential that we use technology to manage and maintain certain customer information.

We want to assure all of our customers that whenever information is used, it is done with discretion. The safeguarding of customer information is an issue we take seriously at Cedrus. To affirm our continuing commitment to the proper use of customer information, we have set forth the following Privacy Principles. It is these Privacy Principles that guide us in serving the privacy needs of our customers.

1. Recognition of a Customer’s Expectation of Privacy: At Cedrus, we believe the confidentiality and protection of customer information is one of our fundamental responsibilities. And while information is critical to providing quality service, we recognize that one of our most important assets is our customers’ trust. Thus, the safekeeping of customer information is a priority for Cedrus.
2. Use, Collection, and Retention of Customer Information: Cedrus limits the use, collection and retention of customer information to what we believe is necessary or useful to conduct our business, provide quality service, and offer products, services, and other opportunities that may be of interest to our customers.
3. Maintenance of Accurate Information: Cedrus recognizes that is must maintain accurate customer records. Therefore, Cedrus has established procedures to maintain the accuracy of customer information and to keep such information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner.
4. Limiting Employee Access to Information: At Cedrus, employee access to personally identifiable customer information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining the confidentiality of customer information and on these Privacy Principles. Because of the importance of these issues, all Cedrus employees are responsible for maintaining the confidentiality of customer information and employees who violate these Privacy Principles will be subject to disciplinary measures.
5. Protection of Information via Established Security Procedures: Cedrus recognizes that a fundamental element of maintaining effective customer privacy procedures is to provide reasonable protection against the unauthorized access to customer information. Therefore, Cedrus has established appropriate security standards and procedures to guard against any unauthorized access to customer information.
6. Restrictions on the Disclosure of Customer Information: When it comes to sharing customer information with unaffiliated companies, Cedrus places strict limits on who receives specific information about customer accounts and other personally identifiable data. Cedrus may share information with such companies if they provide a product or service to make sure that it provides value to our customers.
   We share the minimum amount of information necessary for that company to offer its product or service. We may also share information with unaffiliated companies that assist us in providing our products and services to our customers in the normal course of our business (for example, with consumer reporting agencies); when legally required or permitted in connection with fraud investigations and litigation; in connection with acquisitions and sales; and at the request or with the permission of a customer.
7. Maintaining Customer Privacy in Business Relationships with Third Parties: If we provide personally identifiable customer information to a third party with which we have a business relationship, we will insist that the third party keep such information confidential, consistent with the conduct of our business relationship.
8. Disclosure of Privacy Principles to Customers: Cedrus recognizes and respects the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. As a result of our commitment, we have developed these Privacy Principles which are made ready available to our customers. For questions about this policy or for additional copies of this notice, please go to: www.cedrusfinancial.com

These Privacy Principles apply to individuals, and we reserve the right to change these Privacy Principles, and any of the policies or procedures described above, at any time without prior notice. These Privacy Principles are for general guidance and do not constitute a contract or create legal rights and do not modify or amend any agreements we have with our customers.

Cedrus’ eMoney Advisor technology platform gathers all of your advisors (accountants, lawyers, estate planners, etc.) around one table. Cedrus is like your star quarterback — calling the plays and the shots to most effectively manage your holdings. We give you access to real-time reporting on all your accounts when you want it. Through our certified SEI network, you have exclusive access to top-level, industry proven advisors and products. With Cedrus, you have 24/7 availability of your assets. And through Cedrus’ safeguard program, we watch the watchers and manage the managers to eliminate the “conflicts of interest” common to investment firms in order to maximize your returns.

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