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Privacy Policy

Our Policy Regarding Your Privacy

In order to provide investment products and services that respond to our customers’ diverse needs, EMS Wealth Management collects certain personal information.  EMS Wealth Management does not disclose any nonpublic personal information to any affiliated or nonaffiliated third party for marketing purposes.  At EMS Wealth Management, maintaining the confidentiality of our customers’ personal information is of the highest importance.  EMS Wealth Management’s personal information-handling practices are governed by this privacy policy and are further regulated by law.  This notice describes those practices and how they preserve your privacy in a way that permits EMS Wealth Management to provide you with the products and services you demand.

Collection of Personal Information

We get most of our information directly from you.  The application you complete, as well as any additional information you provide generally gives us most of the information we need to know.  Sometimes we may contact you by phone or mail to obtain additional information.  Depending on the nature of your investment transaction, we may need additional information about you or other household members and joint investors.

Disclosure of Personal Information

Information which has been collected about you will be contained in our agency file.  We review this information when evaluating your investment situation and in determining appropriate solutions.  We will also use information in our policy records for purposes related to issuing and servicing investment accounts.  EMS Wealth Management may disclose personal information to others in order to service, process or administer business.  In this context, EMS Wealth Management may disclose (i) information we receive from you on applications and other forms, including information such as assets, income, and identifying information such as name, address, and social security number; (ii) transaction information such as information about balances, payment history and parties to the transaction; and (iii) information from consumer reporting agencies such as a consumer’s credit worthiness and credit history.

If coverage is declined or the charge for coverage is increased because of information contained in a consumer report, we will tell you as required by state law and federal Fair Credit Reporting Act.  We will also give you the name and address of the consumer reporting agency making the report.

Parties to Whom Information May Be Disclosed

EMS Wealth Management will not disclose information about you to others without your written consent unless the disclosure is necessary to conduct our business.  By law, EMS Wealth Management is permitted to share information about you without prior permission under certain circumstances to certain persons and organizations such as:

-Our Broker/Dealer

-Parties who perform a business, professional or insurance function for our company

-Law enforcement or other governmental authorities to protect our legal interest, or in cases of suspected fraud or illegal activities

-Authorized persons as ordered by subpoena, warrant, or other court order or as required by law

-Lienholder, mortgage, assignee, lessor, or other person shown on our records as having a legal or beneficial interest

-Parties acting in a fiduciary or representative capacity to you (attorneys, accountants and auditors)

-Parties administering transactions as requested or authorized by you

When visitors come to our website, we may occasionally collect user data by placing a cookie on a user’s browser for targeted advertising policies. The service we use to deploy these ads is called AdRoll. You can opt out of receiving targeted ads served by us or on our behalf by clicking here. Please note that, if you delete your cookies or upgrade your browser after having opted out, you will need to opt out again. Further, if you use multiple browsers or devices you will need to execute this opt out on each browser or device. If you opt-out we may collect some data about your online activity for operational purposes (such as fraud prevention) but it won’t be used by us for the purpose of targeting ads to you.

We may collect the following categories of information for the purposes explained below.

  • Advertiser website activity: This is data about your browsing activity on the Advertiser’s website. For example, which pages you visited and when, and what items you placed into your online shopping cart.
  • Device and browser information: This is technical information about the device or browser you use to access the Advertiser’s website. For example, your device’s IP address, cookie string data and (in the case of mobile devices) your device type and mobile device’s unique identifier such as the Apple IDFA or Android Advertising ID.
  • Ad data: This is data about the online ads we have served (or attempted to serve) to you. It includes things like how many times an ad has been served to you, what page the ad appeared on, and whether you clicked on or otherwise interacted with the ad.
  • Data from Advertising Partners: This is data that we receive from other digital advertising companies that we work with (“Advertising Partners”) to help us deliver ads to you and recognize you across browsers and devices. This may include pseudonymous advertiser identifiers that some Advertisers or other third party ad platforms choose to share with us, such as your “Customer ID” with an Advertiser or an identifier associated with a hashed (not readable) version of your email address. We may work with these Advertising Partners to synchronize their unique, anonymous identifiers to our own to enhance data points about a particular unique browser or device.
  • Email and Postal Addresses from Advertisers: Some Advertisers choose to share actual email addresses and postal addresses about their customers with us, so that (with the help of Advertising Partners) we can help the Advertiser serve targeted ads to customers. Also, we may assist an Advertiser with sending emails to customers (for instance, if the Advertiser is using our SendRoll service). We use the Advertiser’s supplied e-mail and postal addresses for the purpose of assisting that particular Advertiser.
  • Hashed email addresses: If an Advertiser allows, we may collect hashed versions of the emails that are entered on that Advertiser’s site. These hashed emails are used as an additional identifier to help us better target ads for Advertisers, including across multiple devices or browsers.
  • We use this data to help our Advertisers identify and serve ads to you that are more relevant to you. We also use this data to operate, improve and enhance our services including enhancing the data points we or our Advertising Partners have about a particular user, browser, or device, or to target, optimize, cap, or synchronize advertising.
Confidentiality and Security of Personal Information

Our agency maintains appropriate standards and procedures to prevent unauthorized access to your information.  EMS Wealth Management limits employee access to personally identifiable information to those with a business reason for knowing such information.  We educate our employees so that they will understand the importance of confidentiality of personal information and take appropriate measures to enforce privacy policies.

Treatment of Personal Information of Former Customers

EMS Wealth Management follows this personal information privacy policy even when a customer relationship no longer exists.

If you have additional questions about the privacy of your personal information or about your insurance needs in general, feel free to contact our office at (716) 631-0190.