Information Collected by this Website
You may visit this site and learn about Pacific Capital anonymously. Although Pacific Capital uses a website visitor statistics program that compiles information about visitors to this site (such as browser type, pages accessed, duration of visit, and other usage statistics), that program does not directly identify you. The program also collects your IP address, this information generally does not reveal your identity. This website does use “cookies” – small files that are sent to your browser and stored on your hard drive to record how and when you use a site.
Pacific Capital collects personally identifiable information about you only if you voluntarily provide it to them by requesting further information from them.
Pacific Capital (“PC”) is committed to safeguarding the confidential information of its clients. This information includes all data that we collect from you in connection any of the services provided by PC.
We gather personal information about you for business purposes, such as evaluating financial needs, processing your requests and transactions, informing you about products and services that may be of interest to you and providing client services. We collect non-public information about you from the following sources:
• Information we receive from you on applications and other forms (including, but not limited to, your name, date of birth, address, phone numbers, social security number, employment information, assets, income, liabilities, investment experience, etc.);
• Information about your financial transactions with us, our affiliates and others;
• Information we potentially receive from consumer reporting agencies and other non-affiliated entities.
In the regular course of our business, we may disclose some or all of the non-public personal information described above with our affiliates and with non-affiliated third-parties as necessary to effect, administer or enforce transactions that you authorize, or in connection with processing or servicing a financial product or service that you request or authorize.
Pacific Capital Wealth Advisors Inc. is an SEC-registered investment advisor offering fiduciary advisory services under the d.b.a. “Pacific Capital.” Entities that also serve PC’s clients include the affiliate, Chad Willardson, who is a licensed insurance agent and owner of PC. A non-affiliate (a company not related by common ownership or control) that may also need the use of personal non-public information is Gradient Securities, LLC. This depends on the types of financial products and services that you decide to utilize to achieve your financial objectives.
If any of your personal information is shared with a non-affiliated company (like Gradient Securities, LLC), it is because their involvement is essential to the provision of overall service provided by PC to its clients.
The information shared with affiliates or non-affiliates is not sold or rented to them, nor is it shared with them for marketing or solicitation purposes. We will share non-public information with non-affiliated companies only when they agree to uphold and maintain our privacy standards when handling a clients’ personal information.
In addition, we may disclose non-public information with non-affiliated companies and regulatory authorities as permitted or required by applicable law. Personally, identifiable information about you will be maintained during the time you are a client, and for the required time thereafter that such records are required to be maintained by federal and state securities and insurance laws. After this required period of record retention, all such information will be archived or destroyed. In all other respects, the information about former clients is treated in the same manner as information about current clients.
We strive to keep our client records complete and accurate. We will give you reasonable access to information we have about you. Most of this information is contained in account applications or personal financial summaries that you submit to us to open accounts, engage in financial planning, and obtain other products and services. We strive to communicate with you consistently and ensure that this information is regularly updated. WE encourage you to review this information and notify us if you believe any information should be updated or revised. If you have any questions about your personal information or this privacy notice, please reach out to us at (844) 777-8777 or email us at firstname.lastname@example.org
“Opting Out” of Third Party Disclosure: If you do not want us to share your information (other than as prescribed by law) with any non-affiliated third parties, you may contact us at (844) 777-8777. Please note that if any of your information is shared with a non-affiliated company (like Gradient Securities, LLC), it is because their involvement is essential to the provision of overall service provided by PC to its clients. The information shared with affiliates or non-affiliates is not sold or rented to them, nor is it shared with them for marketing or solicitation purposes.
Securities are not FDIC insured, are not guaranteed against market risk and may lose value. Any guarantees for insurance products are based on the claims paying ability of the issuing insurance company. Annuities are long-term contracts intended for retirement purposes, and should not be purchased with funds for which there will be an immediate or short-term need, as early withdrawals can result in tax penalties and/or surrender charges. Neither PC nor any of its registered representatives or investment advisor representatives are permitted to give legal or tax advice on behalf of PC, its subsidiaries or affiliates. Version 9.2017.
How the Information is Used
If you choose to provide Pacific Capital with personally identifiable information, they will use such information to respond to your inquiry. If, in the future,Pacific Capital’s business changes form — for example, by merger or change of partnership — they may transfer your personally identifiable information to the reorganized business entity. They will also disclose your personally identifiable information if they reasonably believe they are required to do so by law, regulation or other government authority.
Because any personally identifiable information you submit to Pacific Capital online is purely voluntary and should not be of a particularly sensitive nature, they employ standard security measures and do not use special encryption methods at this time.
Questions & Updates
If you have any questions or suggestions about these privacy practices, or you wish to update or correct any personally identifiable information that you have chosen to provide to Pacific Capital please feel free to contact us using the phone numbers or email address on the Contact Us page of this Web site.