Oxford's Privacy Policy/Disclaimers
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Oxford is committed to respecting the individual privacy of consumers. In accordance with federal regulations, Oxford is giving you this notice to tell you how we use information about you or your account(s).
Our Commitment to You
As an Oxford client, you have entrusted to our care personal and financial data. We recognize that your relationship with us is based upon trust and that you expect us to act responsibly and in your best interest. Because your personal and financial data is your private information, we hold ourselves to the highest standards in its safekeeping and use. This means, most importantly, that we do not sell client information - whether it is your personal information or the fact that you are an Oxford client - to anyone. Instead, your information is used by us primarily to provide you financial advice, to complete transactions that you request, or to make you aware of other financial services that we offer.
The Information We Collect About You
We obtain non-public personal information about you from the following sources:
- Information we receive from you or your representative, such as information on applications or other forms, which may include your name, address, social security number, birth date, assets, income and accounts at other institutions.
- Information about your transactions with us, our affiliates, or others, such as your account balance and investment activities.
- Information we receive from insurance companies and agencies and your personal accountant and attorney, such as your insurance coverage, income taxes, estate affairs and family circumstances.
How We Handle Your Personal Information
As emphasized above, we do not sell information about current or former clients or their accounts to third parties. Nor do we share such information, except when needed to complete transactions at your request or to make you aware of related financial services that we offer. Here are the details:
- In order to complete certain transactions or to provide you with the financial services that you request or authorize, it may be necessary for us to provide nonpublic personal information to companies, individuals, or groups that are not affiliated with Oxford. For example, the implementation and administration of your financial plan may require Oxford to provide nonpublic personal information to unaffiliated money managers, custodians, brokerage firms and insurance companies that you have selected based upon our recommendations to you.
- In order to alert you to other Oxford financial services, we may share your information within the Oxford family of affiliated companies. This would include, for example, sharing your information within Oxford to make you aware of new asset management and trust services offered through Oxford's trust company or affiliated investment advisers.
- In certain instances, we may contract with non-affiliated companies to perform services for us. Where necessary, we will disclose information we have about you to these third parties. In all such cases, we provide the third party with only the information necessary to carry out its assigned responsibilities and only for that purpose. And, we require these third parties to treat your private information with the same high degree of confidentiality that we do.
- Finally, we will release information about you if you direct us to do so, if we are compelled by law to do so, or in other legally limited circumstances. For example, we may share personal information about you to: protect your account(s) from fraud; respond to a subpoena; or service your account(s).
How We Safeguard Your Personal Information
We restrict access to information about you to those Oxford employees who need to know the information to provide services to you. We maintain strict physical, electronic and procedural safeguards to comply with federal standards to guard your nonpublic personal information.
We'll Keep You Informed
As required by federal law, we will notify you of our privacy policy annually. We reserve the right to modify this policy at any time, but rest assured that if we do change it, we will notify you promptly.
DISCLAIMERS
Part II of the firm's current Form ADV, filed with the Securities & Exchange Commission, under the Investment Act of 1940, is available at no charge upon written request.
Oxford, or its representatives, may only transact business in the state if properly registered or exempt or excluded from registration. No individualized responses will be made by Oxford, or its representatives, in the state unless all registration requirements have been met.
Oxford Financial Group, Ltd. also does business under the following names:
- Oxford Financial Advisors
- Oxford Financial Advisors Corporation
- The Oxford Family Office
- Investment Services of Oxford
- Family Office Services of Oxford
This notice applies to the Oxford Financial Group, Ltd. ("Oxford") and The Trust Company of Oxford ("TCO"). Reference to Oxford includes TCO.
The Trust Company of Oxford also does business under the following name:
Crowe Wealth Trust, a division of The Trust Company of Oxford