TOWER SQUARE SECURITIES,
INC.
A MetLife Company
PRIVACY NOTICE
Protecting
the personal information of our individual customers who obtain financial
products and services from us for
personal,
family or household needs, is something we take very seriously at Tower Square
Securities, Inc.* and Travelers
Life & Annuity (collectively "we"), members of the MetLife
family of companies. This Privacy Notice explains how we handle
the
personal information about you that we collect and may disclose. This notice
also tells you how you can limit our
disclosure
of personal information about you. This notice applies to current and former
customers. We may amend this
notice
from time to time. We will send our current customers our most recent notice at
least once annually.
OUR
PRIVACY PROMISE
While
information is the cornerstone of our ability to provide superior service, our
most important asset is our customers'
trust.
Keeping customer information secure, and using it only as our customers would
want us to, is a top priority for all of
us at
Tower Square Securities and Travelers Life & Annuity. Here then is our
promise to our customers:
· We will safeguard, according to strict standards of security and
confidentiality, any information you share with us.
· We will limit the collection and use of your information to the minimum
we require to deliver superior service to you,
which
includes advising you about our products, services and other opportunities, and
to administer our business.
· We will permit only authorized employees, who are trained in the proper
handling of customer information, to have
access to
that information. Employees who violate our privacy policies will be subject to
our normal disciplinary
process.
· We will not reveal your information to any external organization unless
we have previously informed you in
disclosures
or agreements, have been authorized by you, or are required by law.
· We will always maintain control over the confidentiality of your
information. We may, however, facilitate relevant
offers
from reputable companies. These companies are not permitted to retain your
information unless you have
specifically
expressed interest in their products or services.
· We will tell you in plain language, initially and at least once
annually, how you may remove your name from
marketing
lists. At any time, you can contact us to remove your name from such lists.
· Whenever we hire other organizations to provide support services, we
will require them to conform to our privacy
standards
and to allow us to audit them for compliance.
· For purposes of credit reporting, verification and risk management, we
will exchange information about you with
reputable
reference sources and clearinghouse services.
· We will not use or share -internally or externally -personally
identifiable medical information for any purpose other
than the
underwriting or administration of your policy, claim or account, or as
disclosed to you when the information
is
collected, or to which you consent.
· We will attempt to keep customer files complete, up-to-date and
accurate. We will tell you how and where to
conveniently
access your account information (except when we are prohibited by law) and how
to notify us about
errors
which we will promptly correct.
CATEGORIES
OF PERSONAL INFORMATION WE COLLECT AND MAY DISCLOSE
We
maintain physical, electronic, and procedural safeguards to protect personal
information we gather about you. We
may
collect personal information about you from the following sources:
Information from your application. You provide us with most of the information we need as
part of the application
process.
*
References to Tower Square Securities, Inc. or TSSI Include Its subsidiaries,
Tower Square Securities insurance Agency of Alabama, Inc.,
Tower
Square Securities insurance Agency of Massachusetts, inc ..
Tower Square Securities Insurance Agency of New Mexico, Inc., Tower
Square
Securities Insurance Agency of Ohio, Inc., Tower Square Securities Insurance
Agency of Puerto Rico, Inc. or
Securities Insurance Agency of Texas, Inc., depending upon which of the
agencies sold you a variable insurance product.
TSA01A/Rev.
6/05)
YOU MAY
REQUEST COPIES OF PERSONAL INFORMATION
To obtain
copies of personal information from your file, simply send a written request to
the address below. We will provide you
with the
information you request, except for certain documents related to claims or
lawsuits. However, we will not send you any
medical
information we have received about you from a doctor or other health care
provider. Instead, you should contact the
doctor or
health care provider directly to obtain the information you seek.
We will
inform you, upon your written request, whether or not a consumer report was
requested, and if so, of the name and
address of
the consumer reporting agency that furnished the report.
TRAVELERS
LIFE & ANNUITY PRIVACY COORDINATOR
AFFILIATES TO WHOM WE MAY DISCLOSE PERSONAL INFORMATION.
MetLife
Affiliates are other member companies in the MetLife family. MetLife Affiliates
to whom we may disclose personal
information
about you are in several different businesses, including banking, securities
and insurance.
NON-AFFILIATED
THIRD PARTIES TO WHOM WE MAY DISCLOSE PERSONAL INFORMATION
Non-affiliated
third parties are not part of the family of companies controlled by MetLife. We
may disclose personal
information
about you at your direction. We may also disclose information about you to
reputable companies that market
products
or services that may interest you.
ELECTRONIC
MAIL MONITORING
As a
broker-dealer, Tower Square Securities, Inc. ("TSSI") is required to
review correspondence to and from its
Representatives, including electronic correspondence. All electronic mail (including
attachments) is subject to electronic
screening
and storage. TSSI uses a non-affiliated third party under a contract with TSSI
to perform this screening and
storage.
Even though we are very careful with information we receive from you, you
should be aware that e-mails sent
through
the internet are not secure. Therefore, do not send us confidential information
such as buy, trade or sell orders;
credit
card numbers; health information or any other information you deem
confidential.
PRIVACY
CHOICES FORM
If you
want to limit disclosures of personal information as described in this notice,
just check the appropriate box or boxes to
indicate
your privacy choices, and send this form to the address listed above. If you
are a joint owner of one of our products,
your
choice will also apply to the other owner(s) of that product.
If you
believe any of the information we have about you is incorrect, please notify us
in writing and we will investigate and
correct
any errors we find. If we do not find any errors, and you believe that the
information we have is in error, you may file a
statement
with us that disputes the information in your file. We will send the correction
or statement to anyone who received or
will
receive the original information. In addition, please contact us if you have
any questions about your right of access to, or
correction
of, information in your file.
Please
send all written requests for copies of your personal information to the
address below. For verification purposes, please
include a
copy (not the original) of some type of personal identification, such as your
driver's license. We will respond within 30
business
days of receipt of your written request.
Information from third parties. The kind of data we may gather
depends on the type of policy or contract, but may Include
medical
reports. We may obtain information from reputable consumer reporting agencies
in connection with your application for
insurance
and/or renewal of such insurance. Once you are a customer, your file may also
contain information about your
purchases
and sales of investments.
Information about transactions or experiences. Your file may contain information
based on our transactions and experiences
with you,
such as your premium payment and claims history.
TSA018(Rev.
5!03}
YOUR PRIVACY CHOICES
This
section describes your privacy choices. Please remember that we will comply
with your privacy choice in accordance
with
federal law and the privacy laws and regulations of your state.
If you
check
non-affiliated third parties except as permitted by law.
Disclosure
is permitted by law for purposes such as to:
· Service or maintain your account or process a transaction that you
request;
· Perform services or marketing on our behalf;
· Protect the confidentiality or security of our records pertaining to
you, our products or services;
· Assist us in responding to your inquiries or complaints;
· Comply with legal requirements.
Non-affiliated
third parties may include, but are not limited to, the following:
· Your Registered Representative's insurance agency and administrative
staff;
· A government agency, self-regulatory organization, or other organization
pursuant to an examination of
our
records and/or practices;
· Your attorney, trustee, or anyone else who represents you in a fiduciary
capacity or has a legal interest in
your
policy;
· Persons to whom a court requires us, by order or subpoena, to provide
information;
· Third parties who perform services or marketing on our behalf, including
third party administrators and
our
clearing broker(s);
· Consumer reporting agencies;
· Our attorneys, accountants, or auditors.
ADDITIONAL
INSTRUCTION FOR CUSTOMERS IN
If your
account has a
disclosure
of your information to third parties, please complete the form below and write
"OPT IN" on it in block letters
and send
it to us at the address above the form.
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This section is
intentionally left blank. Please see the next page for the Privacy Choices
Form.
DISCLOSING
TO NON-AFFILIATED THIRD PARTIES
If you
check any of the boxes in the Privacy Choices Form, or if you live in
wish to
"opt in", please mail this form in a stamped envelope to:
TRAVELERS
LIFE & ANNUITY PRIVACY COORDINATOR
Please
allow us up to 30 business days from our receipt of your request for
processing.
Please
note: If you have previously notified Travelers Life & Annuity of your wish
to opt out, there is no need to send
us another
request.
SHARING
WITH METLIFE AFFILIATES
The law
allows us to share with MetLife Affiliates any information about our
transactions or experiences with you. If you
check box
2 on the Privacy Choices Form, we will not share with MetLife Affiliates other
information that you provide to us
or that we
obtain from third parties, unless otherwise permitted by law. If you are a
customer of a MetLife Affiliate, and
you
receive a notice that it may share information about you with its affiliates,
you will need to separately notify that
MetLife
Affiliate if you do not want such information shared.
In order
for
include
all of the information below may not be processed.
Tower
Square Securities Account Number:
______________________________________
OR
Social Security number
________
-- ______ -- ___________
Name:
__________________________________________________________________________________
Street
Address: ____________________________________________________________________________
City:
Telephone
Number: (________)_____________________________
TSA01D!Rev.5!03}
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1. ÿLimit the personal information about
me that you disclose to non-affiliated third parties.
2. ÿ Limit the personal information about
me that you share with other MetLife Affiliates.
PRIVACY CHOICES FORM