Privacy Policy

M.S. Howells & Co. ("Firm") is committed to protecting the confidentiality and security of information we collect about our customers. We will no share nonpublic information about you ("Information") with third parties without your consent, except for the specific purposes described below. This notice describes the Information we may gather and the circumstances under which we may share it.

Why We Collect and How We Use Information: We limit the collection and use of Information that we require to deliver superior service to you. Such service includes maintaining your account(s) with us, processing transactions requested by you and administering our business.

How We Gather Information: We get most Information directly from you or your broker, when you apply for and use financial products and services offered by your broker - whether in person, by telephone or electronically. We may verify this Information or get additional Information from consumer reporting agencies or public sources. This Information may relate to your finances, employment, avocations or other personal characteristics, as well as transactions and interactions with or through your broker, other or us.

How We Protect Information: We limit the access to your Information to those who have an appropriate reason to do so. Employees who violate our privacy policy are subject to disciplinary action.

Disclosure of Information: We may disclose any Information to or as directed by your broker or when we believe it necessary for the conduct of our business, or where law requires disclosure. For example, Information may be disclosed for audit or research purposes, to attorneys or other professionals, or to law enforcement and regulatory agencies, to help us prevent fraud. In addition, we may disclose Information to third party service providers (i.) to enable them to provide business services for us or your broker, such as performing computer related or data maintenance or processing services for us or your broker; (ii.) to facilitate the processing of transactions requested by you; (iii.) to assist us in offering products and services to your broker or to assist your broker in offering products and services to you; or (iv.) for credit review and reporting purposes. Except in those specific, limited situations, without your consent, we will not make any disclosures of Information to other companies who may want to sell their products or services to you. For example, we do not sell customer lists and we will not sell you name to a catalogue company.

Former Customers: Even if you are no longer a customer of the Firm, our Privacy Policy will continue to apply to you.

To Whom This Policy Applies: This Privacy Policy applies to customers that use financial products or services provided by the Firm.

Access To and Correction of Information: If you desire to review any file we may maintain for your personal Information, please contact your broker. If your broker or you notify us that any Information is incorrect, we will review it. If we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which we will include in future disclosures of the disputed Information. However, Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available.

Further Information: We reserve the right to change this Privacy Policy. The examples contained within this Privacy Policy are illustrations and they are not intended to be exclusive. Pursuant to the USA Patriot Act, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

Complaints: Any complaints may be addressed to the attention of the Compliance Department at 20555 N. Pima Road., Suite 100, Scottsdale, AZ 85255; (480) 563-2000; Fax (480) 563-2001.