Policies

PRIVACY PLEDGE AND NOTIFICATION

Bankers Capital International (BCI) respects your right to privacy. We have always been committed to secure the confidentiality and integrity of your personal information. We are proud of our privacy practices and want our current and prospective clients to understand what information we collect and how we use it.

 

Why We Collect Your Information

We gather information about you so that we can know who you are and thereby prevent unauthorized access to your information and comply with the laws and regulations that govern us.

What Information We Collect

We may collect the following types of ‘nonpublic personal information’ about you:

  • Information about your identity, such as your name, address and social security number;
  • Information about your transactions with us;
  • Information we receive from you on applications, such as your beneficiaries or income.

 

What Sources We use to Obtain Your Information

We collect nonpublic personal information about Bankers Capital International, clients from the following sources:

  • Information we receive from you on agreements, documents or BCI or other forms;
  • Information we receive form public data bases for background checks, and due diligence;
  • Information about your transactions with us, our affiliates, or others and
  • If you visit our web site, information we collect via a web server, often referred to as a “cookie.”  Cookies indicate where a site visitor has been online and what has been viewed.
 
What Information We Disclose

We do not disclose any nonpublic personal information to anyone, except as permitted by law.  Moreover, we will not release information unless one of the following conditions is met:

  • We receive your prior written consent.
  • We believe the recipient to be you or your authorized representative.
  • We are required by law to release information to the recipient.

We only use information about you to help us better serve your investment needs or to suggest services or educational materials that may be of interest to you.

Confidentiality and Security

We maintain physical, electronic and procedural safeguards to guard your personal account information. To further protect your privacy, we utilize the highest levels of Internet security, including data encryption, user names and passwords, and other tools. We also restrict access to your personal and financial data to authorized Bankers Capital International associates who have a need for these records. We require all non-affiliated organizations to conform to our privacy standards and are contractually obligated to keep the information provided confidential and used as requested. Furthermore, we will continue to adhere to the privacy policies and practices described in this notice even after your transaction is closed or becomes inactive.

We will continue to conduct our business in a manner that conforms with our pledge to you, your expectations and all applicable laws.

Conditions of Use

By using this site, you signify your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this site.  Bankers Capital International may at any time revise these conditions of use by updating this page. You are bound by any future revisions and should therefore periodically visit this page to review the terms and conditions to which you are bound.

 

LIMITATION OF LIABILITY

While Bankers Capital International (“BCI”) uses reasonable efforts to include accurate and current information on this web site, errors or omissions sometimes occur. BCI makes no warranties or representations as to the accuracy of the information contained on this web site. Under no circumstances shall BCI nor any party involved in creating, producing, or delivering the web site be liable for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this web site, even if a BCI-authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you.

BCI also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site.

 

RESTRICTIONS ON USE OF MATERIALS

Except as otherwise permitted by BCI, no materials from www.BankersCapitalInternational.com or any web site owned, operated, licensed or controlled by BCI may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way. You may download material displayed on this web site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, report or use the content of this web site for public or commercial purposes, including the text, images, audio and video, without BCI’s prior written permission.

 

JURISDICTIONAL ISSUES

The information contained on this web site is not an offer to sell or a solicitation to buy any security or product. No security or product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction.

 

TRADEMARKS AND COPYRIGHTS

All trademarks, service marks, trade names, logos, and icons are proprietary to BCI. Nothing contained on the web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this web site without the prior written permission of BCI or such third party that may own the trademarks displayed on this web site. Your use of the trademarks displayed on this web site, or any other content on this web site, except as provided herein, is strictly prohibited.

Images displayed on this web site are either the property of, or used with permission by, BCI. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Inquiries concerning use of BCI’s trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to Bankers Capital International, Compliance Department, 99 Park Avenue, Suite 1550, New York, NY 10016.

Business Continuity Plan

 

Client Disclosure Statement

Bankers Capital International has developed a Business Continuity Plan on how we will respond to events that significantly disrupt our business. Since the timing and impact of disasters and disruptions are unpredictable, we will have to be flexible in responding to actual events as they occur. With that in mind, we are providing you with this information on our business continuity plan.

 

Contacting Us

If after a significant business disruption you cannot contact us as you usually do by phone at 212-298-3500, you should contact the entities in which you have invested directly for instructions on how you may access investment information, invest additional funds and or provide you with prompt access to funds and securities.

 

Our Business Continuity Plan

We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment and protecting the Firm’s books and records. In short, our business continuity plan is designed to permit our Firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their investments if we are unable to continue our business.

Since you invest directly, the entities in which you have invested are responsible for those records they maintain on your behalf. Additionally, when you invest with our assistance, we take steps to assure that you have paper or electronic copies of everything that you have signed and or obligated your self to, which results in your having access to essentially the same records as us, should you be unable to contact us during an emergency situation. Finally, while most transactions done through us are not time sensitive, every emergency situation poses unique problems based on external factors, such as time of day and the severity of the disruption. Thus, while each entity with which you have invested desires to restore its own operations and be able to complete existing transactions and accept new transactions and payments within a short period of time, your orders and requests for funds and securities could be delayed during this period.

 

Varying Disruptions

Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. Within each of these areas, the severity of the disruption can also vary from minimal to severe. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within four hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business within one business day. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt interface with the respective companies and entities that have provided investment products to you, through us.

 

For more information

 If you have questions about our business continuity planning, you can contact us at 212-298-3500.

This plan is subject to modification, an updated summary will be promptly posted on our Web site and customers may alternatively obtain updated summaries by requesting a written copy by mail. 

Last Updated: 05 January 2017